hi my name's carol ricard and welcome to the well you show if this is your first time tuning in just a little brief history i worked in hospitals for twenty seven years now oh my god i had added two years and teaching tools and the goal of the show is just to really bring the tools outside the hospital and so each week i'm joined by my co hosts they started out as guests but no longer and i have angel  it is a call the pain detective and tell people where they can find if they've got pain sure all over social media you tube instagram muscles in balance right because you put people's muscles in balance yes everybody's hearts money we're going to talk about money and what we're going to do is we're going to keep it really simple so i'm thinking a by the time you're watching the show it's going to be kind of close to thanksgiving heading towards christmas because we're a few weeks back on our taping and the holiday season money just because it turns a really stressful time and money fitting in there so i actually this is a group i used to do with my patients and so i have this worksheet which we're going to have up on our website later on and you'll tell you where to get it but just ways simple ways to spend more money and ways to spend less money and that's what we're going to work on here we just create a master plan and then this way people can kind of have some good ideas the goal being people walk away with something they can use yeah and so always like to start off with a negative so we end on the positive so we're going to start off with spending ok so what that means we're just going to bring storm here i see is that cause you  yeah it's you know somebody once told me and i can't validate it at all but they said that the store brands that a lot of products they turn to the brands to create their line for them and so really the only thing that's different is the packaging yeah i think if you want to be scientific about it you probably have to look at the ingredients and the amount of but i like if i'm  s and it says the same as you know i trusted yes well well you just said one i don't think you realized it but i'll give you an example so let's talk about branding back a long time ago shopri used to have cold medicine before they took pseudoephedrine off the shelves and so i would go in the shop right and buy a cold medicine and it cost me two dollars and seventy six cents for shoprite generic i was out of town forgot my medicine i went to a brand name drug store and their first unit was five dollars and something cents i'm going to put mine up there and mind up the shoprite as opposed to yammer those brand name pharmacies which if you think about it the popping up on every corner yeah but but that and more right this it doesn't make sense to some people but i want to say if you're going to spend more but convenience if you think about it go to so many convenience stores and you're going to pay twice the amount of rice were bright bread then you will learn anything else and that's the same thing with sample sizes you're you know like or travel sizes i can't i never thought that one's never come up and all the years i've taught i've done this which is going on twenty seven it is really you know why probably twenty seven years ago they didn't have you didn't have to worry about the you yeah i mean that becomes that definitely is that i never did it before because i always felt like i want to see and touch yeah well and you want to know what else it kind of connects to what is said here learned is that yes i will always eat well i'll go on the other side but actually eat my apple and drink my water but if you're a go walking him soon because some of my worst purchases is what i was going to say next is you know we don't have to worry about these years ago but i paying cash for gas because now there's a lot of gas stations where if you pay by credit they charge noticed well have been do my grocery shopping more and more and more and it kind of fits in the here because it fits in for people's business of their lifestyle cut noticed is you know it's healthier i mean they definitely have great and i all the grocery stores have their own paraffin shop right now or shopping bags or wakeman's they all have the what i've notice is that it's got bigger and yeah yeah because it really helps that speed need for people yeah an end it can be healthy i mean there's you know but th be things of another one i don't think i've ever said before where taste testing taste test sticking on fool so if you go to the grocery store like if you go to likely the big the big ones or just regular grocery and they're giving out samples of whatever it is that they want you to buy this what if you eat it i would bet there's a eighty percent chance of people actually buy what i that they just tasted i know for myself i have to stop doing it because i'd be like ooh that's good and then i would buy it and it would be ok you know what i mean like that yeah i also had patience and that was on the savings side too though oh  so here's the thing back when what was it was one of the storms and i had lost power and it was going to be out for several more days and i was running out of of weather thing nichol band you know like on say probably sixty dollars off my bill i want pain like this all the time bill from you know our is a go and so i think things that we pay for years on automatic basis that you just don't you can like forget about it go back and check it out i mean i think a car insurance they once was a time when new jersey the car insurance there were so few car insurance people that the prices were all a lot higher but now there's compare and go back and look at all plans even even cable like sometimes people are paying for channels that they no longer watch right now or while they should put that up there actually because if you think about it compared to what some other i'm a firm believer that if you do go and say oh i think i need this a the this or any of this any they're saying here in there by more than what you really need it also or what you don't need and then the thing that you need it guess what you are  because it's similar to yours so people that instead of paying the the bill the credit card bill at the end of the month they just pay a part of it and or they are late and they get an interest charge finance charge ensure i want to do just like we've done this before because we have a list so we probably did this well maybe about a year year and a half ago or so but here's most amazing thing is we're not where we were a year a year and a half ago and i could have never said cell phones because i would never know now so i'm a big believer that you know sometimes you gotta go back you know we have the list we'll have the list available from our first one but then we're also going to type of type of this list so we have this one so good so this is our our spending and now we're going to go oh we got to get rid of red because that's in the red to our savings and this is good because we can't i can't cheat by just looking at other so tell me things that you all do in your life right this day to save money ok when you go for well i don't go into stores that often for a number of reasons but that really has helped because i used to be one of those persons who would go in and many of them really anything would buy something yeah i have some friends who are still talking to a lot of that kind of gives me the other way anyway i don't need i need to get rid of yeah well so so how did you do here's the other thing i'm going to take away from what you said that she would put something in her cart but then she would push it around before she got up to the checkout she'd ask yourself this question too i really need and just having it in the car she was able to t out of the cards and so sometimes i want to say anne's car trip because i don't know any other way to make it simple vista and and it's so good to her just having it there in her carton but she also felt good because her wallet it didn't pay for it when she didn't need it so oh yeah so back to what we said before shopping around for price of gas i mean not going out of your way ago probably i learned the same thing with the car i mean it's so amazing to me when i look now at like like even things like car buying how it's changed you know back in the day it was you know they try to get you what are you why do you want to pay them but then i became very smart actually i think that's what helped me save my knees educate educate yourself here you know and so i discovered consumer reports and i would pay the thirteen dollars for the report and i would call around places and i said ok i'm only will not spend two hundred dollars over invoice are you willing to send it to sell it to me and i narrowed down my search to to that by not even going to the car dealers because that so many people about the good or x and so what this is for you folks have never heard of it is if you go to good oryx dot com there is a place you quoted your zip code and it tells you you put in a medicine you can put in quantity and it tells you the pharmacies around you where it's the cheapest and actually so i wint from spending eighty dollars for my blood pressure medicine which i would have i got it through my insurance for a generic ninety days to fourteen ninety five yeah yeah yeah i mean i just went to another store and they go just you have insurance no i don't have it with me today you know i don't have it today because they ask if you have insurance so oh but that brings me to another one ask can it is it is or you know kind of a less expensive version or can i get this for this or is there generic that i can you use or you know any discounts like i've come to learn like some places if you go online now and indeed you type in the place and you ask for coupons you kind of say oh you know and so places my order stuff they have like yeah online coupon yeah and i would never noti of garden because they would have their buy one take one home right and so that would be the restaurant because you think about they got two dinners for the price of one so they had dinner for the next night or they just put it in the freezer so  or alternator and you know up well you know what else for heat did i do to to save money is i put layering i put the plastic insulation all here yet even though my windows are supposed to be really good i don't  actually existing you know what else leave me a whole lot of money when i did this apples make me more hungry they do yeah no for me like they don't know i'm trying to live well so we've got zero zero think think cable what do you know that people have done because we use an exam in pennsylvania and i don't know why we're not doing it here to save on books i guess we need internet here that's the hard thing about cable life you know because honestly i've heard people say even when they have the like direct t v that they're in what do you do what do you do with the internet you know you know it's such an important part of you know of so yeah so let's see what else well i've i was a parent i would not do this this would be what i would do leave him home listen to save money yes oh oh you could leave i would leave the kids home because in this way they're not in my basket you know like saying oh i did i mean i didn't mean leave the kids i meant shopping ok don't  that's no fun but when you can look at it yes to me it's making more fun right you know and if you can just do one or two of these ideas like you said with the coffee yeah you end up saving you if in actually the best place you're going to find these things is going to be at well university as in y o u university dot com and go to t and they're kind of be there with people and we'll have the actually the extras that we other ideas we came up with but i want people to fill this out themselves or just think a little bit about it on their own so so it seems like time flies and it is to end so thank you so much ladies this is if it was fun to do all over it is so i just want to say thank you for tuning in and here's to living well today