Practice English Conversation (Ways to save money) English Conversation Practice

53,999 views ใƒป 2023-07-20

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ไธ‹ใฎ่‹ฑ่ชžๅญ—ๅน•ใ‚’ใƒ€ใƒ–ใƒซใ‚ฏใƒชใƒƒใ‚ฏใ™ใ‚‹ใจๅ‹•็”ปใ‚’ๅ†็”Ÿใงใใพใ™ใ€‚

00:01
Benjamin how are you oh you  don't look good what happened
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ใƒ™ใƒณใ‚ธใƒฃใƒŸใƒณใ€ใŠๅ…ƒๆฐ—ใงใ™ใ‹ใ€ไฝ“่ชฟใฏ่‰ฏใใ‚ใ‚Šใพใ›ใ‚“ใ€
00:10
morning Sam I'm fine but just a little  worried I am having some financial problems
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ๆœไฝ•ใŒ่ตทใ“ใฃใŸใฎใงใ™ใ‹ใ€ใ‚ตใƒ ใ€็งใฏๅคงไธˆๅคซใงใ™ใŒใ€ๅฐ‘ใ—ๅฟƒ้…ใงใ™ใ€็ตŒๆธˆ็š„ใซๅ•้กŒใ‚’ๆŠฑใˆใฆใ„ใพใ™ใ€
00:20
oh I'm sorry to hear that but  why is that don't tell me you  
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ใ‚ใ‚ใ€ใใ‚Œใ‚’่žใ„ใฆๆฎ‹ๅฟตใงใ™ใŒใ€ใชใœใใ‚Œใฏ ๅŠๅˆ†ใ‚’ๅ–ใฃใŸ ใจใฏ่จ€ใ‚ใชใ„ใงใใ ใ•ใ„
00:26
took half the loan and now you can't pay it back  
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ใƒญใƒผใƒณใ‚’่ฟ”ๆธˆใงใใชใใชใ‚Šใพใ—ใŸใ€
00:30
no I didn't do that you know my son is about to  graduate from school this is his last school year  
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ใ„ใ„ใˆใ€็งใฏใใ‚“ใชใ“ใจใฏใ—ใพใ›ใ‚“ใงใ—ใŸใ€็Ÿฅใฃใฆใ„ใพใ™ใ‹ใ€็งใฎๆฏๅญใฏใ‚‚ใ†ใ™ใๅญฆๆ กใ‚’ๅ’ๆฅญใ—ใพใ™ใ€ไปŠๅนดใŒๅฝผใฎๆœ€ๅพŒใฎๅญฆๅนดใงใ™ใ€ใฏใ„ใ€็งใฏ็Ÿฅใฃใฆใ„ใพใ™ใ€ๅฝผใฏใ™ใงใซ
00:40
yes I know that I suppose he's going to college  right as he already chosen the right one
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ๅคงๅญฆใ‚’้ธๆŠžใ—ใŸใฎใงๆญฃใ—ใๅคงๅญฆใซ่กŒใใจๆ€ใ„ใพใ™ใใ†ใ€
00:50
that is the problem he's going to the university  next year and I don't have money for that
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ใใ‚ŒใŒๅ•้กŒใชใ‚“ใ ใ€ๅฝผใฏๆฅๅนดๅคงๅญฆใซ่กŒใใ‚“ใ ใ‘ใฉใ€ใใฎใŸใ‚ใฎใŠ้‡‘ใŒใชใ„ใ‚“ใ ใ€
01:00
oh God but I suppose you were saving  money you have been working really hard  
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ใงใ‚‚ใ€ๅ›ใฏใŠ้‡‘ใ‚’่ฒฏใ‚ใฆใŸใ‚“ใ ใ‚ใ†ใญใ€ใ™ใ”ใ้ ‘ๅผตใฃใฆๅƒใ„ใฆใใŸใ‚“ใ ใ‚ˆใ€
01:10
I tried but I can't I'm terrible at saving  money I don't know what to do I've tried but  
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ๅŠชๅŠ›ใ—ใŸใ‘ใฉใงใใชใ„ใ‚ˆใ€ๅƒ•ใฏ็ฏ€็ด„ใŒ่‹ฆๆ‰‹ใชใ‚“ใ ใŠ้‡‘ ใฉใ†ใ™ใ‚Œใฐใ„ใ„ใฎใ‹ใ‚ใ‹ใ‚Šใพใ›ใ‚“ ่ฉฆใ—ใฆใฟใพใ—ใŸใŒใ€
01:20
do not panic you have this year you  have like 11 months to save money
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ใƒ‘ใƒ‹ใƒƒใ‚ฏใซใชใ‚‰ใชใ„ใงใใ ใ•ใ„ ไปŠๅนดใฏใŠ้‡‘ใ‚’่ฒฏใ‚ใ‚‹ใฎใซใ‚ใจ 11 ใ‹ๆœˆใปใฉใ‚ใ‚Šใพใ™
01:30
maybe I have some time to save some money  but the problem is I don't know how to do it
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ใŠ้‡‘ใ‚’่ฒฏใ‚ใ‚‹ๆ™‚้–“ใฏใ‚ใ‚‹ใ‹ใ‚‚ใ—ใ‚Œใพใ›ใ‚“ใŒใ€ๅ•้กŒใฏใฉใ†ใ™ใ‚Œใฐใ„ใ„ใฎใ‹ใ‚ใ‹ใ‚‰ใชใ„ใ“ใจใงใ™ ็งใฏใŠ้‡‘ใ‚’่ฒฏใ‚ใ‚‹ใฎใŒ่‹ฆๆ‰‹ใ ใจ ๆฐ—ใฅใ
01:40
I found out I am terrible at saving money I  don't know what to do I want him to go to college
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ใพใ—ใŸใ€‚ใฉใ†ใ™ใ‚Œใฐใ„ใ„ใฎใ‹ใ‚ใ‹ใ‚Šใพใ›ใ‚“ใ€‚ๅฝผใซใฏๅคงๅญฆใซ่กŒใฃใฆใปใ—ใ„ใงใ™ใ€‚ๅˆ†ใ‹ใฃใŸใ€
01:50
all right you need to relax it has a solution  I will teach you how to save money okay  
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ใƒชใƒฉใƒƒใ‚ฏใ‚นใ—ใฆใใ ใ•ใ„ใ€‚่งฃๆฑบ็ญ–ใŒใ‚ใ‚Šใพใ™ใ€‚ใŠ้‡‘ใ‚’่ฒฏใ‚ใ‚‹ๆ–นๆณ•ใ‚’ๆ•™ใˆใพใ™ใ€‚ๅˆ†ใ‹ใฃใŸใ‚ใ€็Ÿฅใฃใฆใ„ใพใ™ใ‹
02:00
you so do you know about saving money  I didn't know that please help me  
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๏ผŸใŠ้‡‘ใ‚’็ฏ€็ด„ใ™ใ‚‹ใ“ใจใ‚’็Ÿฅใ‚Šใพใ›ใ‚“ใงใ—ใŸใ€็งใฏ
02:10
sure because I am the accountant for this  company I will give you some tips to save money
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ใ“ใฎไผš็คพใฎไผš่จˆๅฃซใชใฎใงใ€ใœใฒๅŠฉใ‘ใฆใใ ใ•ใ„ใ€ใŠ้‡‘ใ‚’็ฏ€็ด„ใ™ใ‚‹ใŸใ‚ใฎใƒ’ใƒณใƒˆใ‚’ใ„ใใคใ‹ๆ•™ใˆใพใ™ใ€
02:20
oh how stupid I was of course you  know a lot about Finance I'm listening
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ใ‚ใ‚ใ€็งใฏใชใ‚“ใฆๆ„šใ‹ใ ใฃใŸใฎใงใ—ใ‚‡ใ†ใ€ใ‚‚ใกใ‚ใ‚“ใ‚ใชใŸใฏ่ฒกๅ‹™ใซใคใ„ใฆใ‚ˆใ็Ÿฅใฃใฆใ„ใพใ™ใ€็งใฏใ‚ˆใ่žใ„ใฆใ„ใพใ™ใ€็งใฏ
02:30
well I know what you're feeling no  matter how hard you try you feel  
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ไฝ•ใ‚’็Ÿฅใฃใฆใ„ใพใ™ใ‹ใฉใ‚Œใ ใ‘้ ‘ๅผตใฃใฆใ‚‚
02:35
it's still impossible to find ways to save money  
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ใŠ้‡‘ใ‚’็ฏ€็ด„ใ™ใ‚‹ๆ–นๆณ•ใ‚’่ฆ‹ใคใ‘ใ‚‹ใฎใฏใพใ ไธๅฏ่ƒฝใ ใจ
02:40
you mean well and try to spend less but  something always comes up life gets in the way
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ๆ„Ÿใ˜ใฆใ„ใ‚‹ ใ‚ใชใŸใฏใใ†ๆ€ใฃ ใฆใ„ใ‚‹ใ—ใ€ๆ”ฏๅ‡บใ‚’ๆธ›ใ‚‰ใใ†ใจๅŠชใ‚ใฆใ„ใ‚‹ใŒใ€ใ„ใคใ‚‚ไฝ•ใ‹ใŒ่ตทใ“ใ‚‹ ็”Ÿๆดปใซๆ”ฏ้šœใŒๅ‡บใ‚‹
02:50
the car needs new tires the teenager  needs braces the house needs a new roof
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่ปŠใซใฏๆ–ฐใ—ใ„ใ‚ฟใ‚คใƒคใŒๅฟ…่ฆ ใƒ†ใ‚ฃใƒผใƒณใ‚จใ‚คใ‚ธใƒฃใƒผใซใฏๅฎถใ‚’่ฃœๅผทใ™ใ‚‹ๅฟ…่ฆใŒใ‚ใ‚‹ๆ–ฐใ—ใ„ๅฑ‹ๆ นใŒๅฟ…่ฆใง
03:00
and just like that saving money takes a back  seat I'm totally sure it sounds familiar right
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ใ€ใใ‚ŒใจๅŒใ˜ใ‚ˆใ†ใซใ€ใŠ้‡‘ใ‚’็ฏ€็ด„ใ™ใ‚‹ใ“ใจใฏๅพŒๅ›žใ—ใงใ™ ใใฃใจใใ‚Œใฏ่žใ่ฆšใˆใŒใ‚ใ‚‹ใจๆ€ใ„ใพใ™ใ€
03:10
yeah that usually happens to me I always  have a new problem and I can't save money
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ใใ†ใ€็งใซใฏใ‚ˆใ่ตทใ“ใ‚‹ใ“ใจใงใ™ ใ„ใคใ‚‚ๆ–ฐใ—ใ„ๅ•้กŒใŒใ‚ใ‚Šใ€ใ†ใพใใŠ้‡‘ใ‚’็ฏ€็ด„ใ™ใ‚‹ใ“ใจใŒใงใใพใ›ใ‚“
03:20
well the truth is you don't need everything to  line up perfectly before you start saving money
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็œŸๅฎŸใฏใ€ใ‚ใชใŸใฏใใ†ใงใฏใ‚ใ‚Šใพใ›ใ‚“ใŠ้‡‘ใ‚’็ฏ€็ด„ใ—ๅง‹ใ‚ใ‚‹ๅ‰ใซใ€ใ™ในใฆใ‚’ๅฎŒ็’งใซๆƒใˆใ‚‹ๅฟ…่ฆใŒใ‚ใ‚‹
03:29
if you wait for the right time to roll around  it's never going to show up the best time to start  
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้ฉๅˆ‡ใชๆ™‚ๆœŸใ‚’ๅพ…ใฃใฆใ„ใฆใ‚‚ใ€ๅฅฝ่ปขใ™ใ‚‹ใ“ใจใฏๆฑบใ—ใฆใ‚ใ‚Šใพใ›ใ‚“ ็ฏ€็ด„ใ‚’ๅง‹ใ‚ใ‚‹ใฎใซๆœ€้ฉใชๆ™‚ๆœŸใฏ
03:36
saving is right now the first thing you have to do  in order to save money is to say goodbye to debt  
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ไปŠใงใ™ ใŠ้‡‘ใ‚’็ฏ€็ด„ใ™ใ‚‹ใŸใ‚ใซๆœ€ๅˆใซใ—ใชใ‘ใ‚Œใฐใชใ‚‰ใชใ„ใ“ใจใฏใ€ๅ€Ÿ้‡‘ใซๅˆฅใ‚Œใ‚’ๅ‘Šใ’ใพใ—ใ‚‡ใ†ใ€
03:46
yeah you heard well monthly debt payments are  the biggest money suck when it comes to saving  
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ใใ†ใงใ™ใ€ใ‚ˆใ่žใ„ใŸใงใ—ใ‚‡ใ† ๆฏŽๆœˆใฎๅ€Ÿ้‡‘ใฎๆ”ฏๆ‰•ใ„ใฏใ€ๅŽๅ…ฅใ‚’ๅฅชใ†่ฒฏ่“„ใซใŠใ„ใฆๆœ€ใ‚‚ใŠ้‡‘ใฎใ‹ใ‹ใ‚‹ๅ•้กŒใงใ™ใ€‚
03:56
that robs you off your income so it's  about time you get rid of that debt  
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ใใ‚ใใ‚ๅ€Ÿ้‡‘ใ‚’ใชใใ™ๆ™‚ๆœŸใงใ™ใ€‚
04:03
the fastest way to pay off debt  is with the debt snowball method  
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ๅ€Ÿ้‡‘ใ‚’ๆœ€้€Ÿใง่ฟ”ๆธˆใ™ใ‚‹ๆ–นๆณ•ใฏๅ€Ÿ้‡‘้›ชใ ใ‚‹ใพๅผใงใ™ใ€‚
04:09
this is where you pay off your debt in order from  a smallest to largest sounds kind of intense right  
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ใ“ใ“ใงใ€ๅฐใ•ใ„ใ‚‚ใฎใ‹ใ‚‰ๅคงใใ„ใ‚‚ใฎใธใจ้ †็•ชใซๅ€Ÿ้‡‘ใ‚’่ฟ”ๆธˆใ—ใฆใ„ใใพใ™ใ€‚ใกใ‚‡ใฃใจๆฟ€ใ—ใ„ใ‚ˆใ†ใซ่žใ“ใˆใพใ™ใŒใ€ๅฟƒ้…ใ—
04:19
don't worry it's more about Behavior change  than numbers once your income is freed up
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ใชใ„ใงใใ ใ•ใ„ใ€‚ใ“ใ‚Œใฏๆ•ฐๅญ—ใ‚ˆใ‚Šใ‚‚่กŒๅ‹•ใฎๅค‰ๅŒ–ใŒ้‡่ฆใงใ™ใ€‚ๅŽๅ…ฅใŒ่งฃๆ”พใ•ใ‚ŒใŸใ‚‰ใ€
04:29
you can finally use it to make progress  toward your saving goals that's very important
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ใ‚ˆใ†ใ‚„ใใใฎใŠ้‡‘ใ‚’ไฝฟใฃใฆ่ฒฏ่“„็›ฎๆจ™ใซๅ‘ใ‘ใฆๅ‰้€ฒใงใใ‚‹ใ‚ˆใ†ใซใชใ‚Šใพใ™ใ€‚ ็งใซใจใฃใฆ ้žๅธธใซ้‡่ฆใช ใ“ใจใฏ
04:39
something that also worked for me  was to cancel automatic subscriptions
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ใ€็งใŒไฝฟ็”จใ—ใฆใ„ใชใ„่‡ชๅ‹•ใ‚ตใƒ–ใ‚นใ‚ฏใƒชใƒ—ใ‚ทใƒงใƒณใจใƒกใƒณใƒใƒผใ‚ทใƒƒใƒ—ใ‚’ ใ‚ญใƒฃใƒณใ‚ปใƒซใ™ใ‚‹ใ“ใจใงใ—ใŸ
04:48
and memberships I don't use chances are  you're paying for multiple subscriptions like
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ใ€‚Netflixใ€Huluใ€Spotify ใ‚ธใƒ ใฎใƒกใƒณใƒใƒผใ‚ทใƒƒใƒ—ใ€ๆต่กŒใฎใ‚ตใƒ–ใ‚นใ‚ฏใƒชใƒ—ใ‚ทใƒงใƒณใƒœใƒƒใ‚ฏใ‚นใ€ใพใŸใฏ Amazon Prime ใชใฉใ€
04:58
Netflix Hulu Spotify gym memberships trendy  subscription boxes or Amazon Prime it's  
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่ค‡ๆ•ฐใฎใ‚ตใƒ–ใ‚นใ‚ฏใƒชใƒ—ใ‚ทใƒงใƒณใฎๆ–™้‡‘ใ‚’ๆ”ฏๆ‰•ใฃใฆใ„ใ‚‹ๅฏ่ƒฝๆ€งใŒใ‚ใ‚Šใพใ™ใ€‚ไฝฟ็”จ
05:09
time to cancel any subscriptions you don't use  regularly and make sure you turn off auto renew
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ใ—ใฆใ„ใชใ„ใ‚ตใƒ–ใ‚นใ‚ฏใƒชใƒ—ใ‚ทใƒงใƒณใ‚’ใ‚ญใƒฃใƒณใ‚ปใƒซใ™ใ‚‹ๆ™‚ๆœŸใŒๆฅใพใ—ใŸใ€‚ๅฎšๆœŸ็š„ใซใฏไฝฟ็”จใ›ใšใ€
05:19
when you make a purchase if you cancel it and  decide you can't go without it subscribe again  
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่ณผๅ…ฅๆ™‚ใซ่‡ชๅ‹•ๆ›ดๆ–ฐใ‚’ๅฟ…ใšใ‚ชใƒ•ใซใ—ใฆใใ ใ•ใ„ใ€‚ใ‚ญใƒฃใƒณใ‚ปใƒซใ—ใฆใ€ใใ‚Œใชใ—ใงใฏใ„ใ‚‰ใ‚Œใชใ„ใจๅˆคๆ–ญใ—ใŸๅ ดๅˆใฏใ€ๅ†ๅบฆ่ณผ่ชญใ—ใฆใใ ใ•ใ„ใ€‚
05:28
but only if it fits into your new and  improved budget it helps a lot believe me
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ใŸใ ใ—ใ€ๆ–ฐใ—ใๆ”นๅ–„ใ•ใ‚ŒใŸไบˆ็ฎ—ใซ้ฉๅˆใ™ใ‚‹ๅ ดๅˆใซ้™ใ‚Šใ€้žๅธธใซๅฝน็ซ‹ใกใพใ™ใ€‚ๅˆฅใฎ
05:39
another thing you can do is buy generic hands  down one of the easiest ways to save money is  
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ใ“ใจ ใ‚’ไฟกใ˜ใฆใใ ใ•ใ„ ใ‚ใชใŸใŒใงใใ‚‹ใฎใฏใ€ใ‚ธใ‚งใƒใƒชใƒƒใ‚ฏๅŒป่–ฌๅ“ใ‚’็ด ็›ดใซ่ฒทใ†ใ“ใจใงใ™ ใŠ้‡‘ใ‚’็ฏ€็ด„ใ™ใ‚‹ๆœ€ใ‚‚็ฐกๅ˜ใชๆ–นๆณ•ใฎ1ใคใฏใ€
05:49
to give brand names the boot in most cases the  only thing that's better about name brand products  
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ใปใจใ‚“ใฉใฎๅ ดๅˆใ€ใƒ–ใƒฉใƒณใƒ‰ๅใ‚’ๅ„ชๅ…ˆใ•ใ›ใ‚‹ใ“ใจใงใ™ ๆœ‰ๅใƒ–ใƒฉใƒณใƒ‰่ฃฝๅ“ใฎๅ”ฏไธ€ๅ„ชใ‚Œใฆใ„ใ‚‹็‚นใฏใ€
05:56
is the marketing I mean look at that box the  logo is so fancy and that's about where it ends  
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ใƒžใƒผใ‚ฑใƒ†ใ‚ฃใƒณใ‚ฐใงใ™ ใคใพใ‚Šใ€ใ‚ใฎ็ฎฑใ‚’่ฆ‹ใฆใใ ใ•ใ„ใ€ใƒญใ‚ดใŒใจใฆใ‚‚ๆดพๆ‰‹ใงใ€ ๅŒป่–ฌๅ“ใฎใ‚ธใ‚งใƒใƒชใƒƒใ‚ฏใƒ–ใƒฉใƒณใƒ‰ ใฏใ“ใ“ใง็ต‚ใ‚ใ‚Šใงใ™
06:08
generic brands of medicine staple food items  like rice and beans cleaning supplies and paper  
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็ฑณใ‚„่ฑ†ใชใฉใฎไธป้ฃŸ็”จๅ“ ๆŽƒ้™ค็”จๅ“ใ‚„็ด™
06:16
products they cost far less than their marked up  name brand friends and they work just as well too  
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่ฃฝๅ“ ใ“ใ‚Œใ‚‰ใฏใ€ใƒžใƒผใ‚ฏใ‚ขใƒƒใƒ—ใ•ใ‚ŒใŸๆœ‰ๅใƒ–ใƒฉใƒณใƒ‰ใฎๅ‹ไบบใ‚ˆใ‚Šใ‚‚ใฏใ‚‹ใ‹ใซๅฎ‰ไพกใงใ€ๅŠนๆžœใ‚‚ๅŒๆง˜ใงใ™ ใŸใ 
06:28
just give it a try soon you will  get used to it seriously what else
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่ฉฆใ—ใฆใฟใฆใใ ใ•ใ„ใ€ใ™ใใซๆ…ฃใ‚Œใ‚‹ใงใ—ใ‚‡ใ†็œŸๅ‰ฃใซใ€ไป–ใซไฝ•ใ‚’
06:38
pay yourself first I'm sure you have heard this  before but it works when you do it constantly
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ๆœ€ๅˆใซ่‡ชๅˆ†ใซๆ”ฏๆ‰•ใ†ใ‹ใ€ใ“ใ‚Œใ‚’่žใ„ใŸใ“ใจใŒใ‚ใ‚‹ใจๆ€ใ„ใพใ™ใŒใ€
06:48
set up an auto debit from your checking  account to your savings account each payday
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2้€ฑ้–“ใ”ใจใซ50ใƒ‰ใƒซใงใ‚ใ‚ใ†ใจใ€ใใ†ใงใชใ„500ใƒ‰ใƒซใงใ‚ใ‚
06:58
whether it's 50 every two weeks or 500 don't cheat  yourself out of a healthy long-term saving plan
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ใ†ใจใ€็ตฆๆ–™ๆ—ฅใ”ใจใซๅฝ“ๅบง้ ้‡‘ๅฃๅบงใ‹ใ‚‰ๆ™ฎ้€š้ ้‡‘ๅฃๅบงใธใฎ่‡ชๅ‹•ๅผ•ใ่ฝใจใ—ใ‚’ๅธธใซ่จญๅฎšใ™ใ‚‹ใจ ๆฉŸ่ƒฝใ—ใพใ™ ๅฅๅบท็š„ใช้•ทๆœŸ่ฒฏ่“„่จˆ็”ปใ‹ใ‚‰่‡ชๅˆ†ใ‚’้จ™ใ—ใฆใใ ใ•ใ„
07:08
I know it may sound easy to say but difficult  to make but it's important to build that habit
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่จ€ใ†ใฎใฏ็ฐกๅ˜ใ ใŒๅฎŸ่กŒใ™ใ‚‹ใฎใฏ้›ฃใ—ใ„ใ‹ใ‚‚ใ—ใ‚Œใพใ›ใ‚“ใŒใ€ใใฎ็ฟ’ๆ…ฃใ‚’่บซใซใคใ‘ใ‚‹ใ“ใจใŒ้‡่ฆใงใ™
07:18
another thing you can do is pack your lunch or  eat at home people waste a lot of money eating out  
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ไป–ใซใงใใ‚‹ใ“ใจใฏใ€ใŠๅผๅฝ“ใ‚’่ฉฐใ‚ใ‚‹ใ‹ใ€ๅฎถใง้ฃŸในใ‚‹ใ“ใจใงใ™ ไบบใ€…ใฏ้ฃŸในใ‚‹ใ“ใจใงๅคš้กใฎใŠ้‡‘ใ‚’็„ก้ง„ใซใ—ใฆใ„ใพใ™
07:27
buying lunch a few times a week may seem  harmless in the moment especially when
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้€ฑใซๆ•ฐๅ›žใƒฉใƒณใƒใ‚’ ่ฒทใ„ ใซ่กŒใใ“ใจใฏใ€็‰นใซ ใŠๆฐ—ใซๅ…ฅใ‚Šใฎใƒฌใ‚นใƒˆใƒฉใƒณใŒใ‚ชใƒ•ใ‚ฃใ‚นใ‹ใ‚‰ๆญฉใ„ใฆ่กŒใ‘ใ‚‹่ท้›ขใซใ‚ใ‚‹
07:37
your favorite restaurant is  walking distance from your office  
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ๅ ดๅˆใซใฏใ€ๅฝ“้ขใฏ็„กๅฎณใซๆ€ใˆใ‚‹ใ‹ใ‚‚ใ—ใ‚Œใพใ›ใ‚“
07:42
but you can save quite a bit money just by  packing lunch not only that but a lot of times  
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ใ—ใ‹ใ—ใ€ๆ˜ผ้ฃŸใ‚’่ฉฐใ‚ใ‚‹ใ ใ‘ใงใ‹ใชใ‚ŠใฎใŠ้‡‘ใ‚’็ฏ€็ด„ใงใใพใ™ใ€‚ใใ‚Œใ ใ‘ใงใชใใ€ๅคšใใฎๅ ดๅˆใ€ๅค–้ฃŸใงๅค•้ฃŸใ‚’
07:49
you can buy a solid Wix worth of groceries  for the same price as two dinner meals out  
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2ๅ›ž้ฃŸในใ‚‹ใฎใจๅŒใ˜ไพกๆ ผใงใ—ใฃใ‹ใ‚Šใจใ—ใŸWix็›ธๅฝ“ใฎ้ฃŸๆ–™ๅ“ใ‚’่ฒทใ†ใ“ใจใŒใงใใ‚‹ใฎใงใ€
07:58
instead prepare your food at home and watch  your savings pile up month after month
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ไปฃใ‚ใ‚Šใซๅฎถใง้ฃŸใน็‰ฉใ‚’ๆบ–ๅ‚™ใ—ใฆใ€็ฏ€็ด„ใŒ็ฉใฟ้‡ใชใ‚‹ใฎใ‚’่ฆ‹ใฆใใ ใ•ใ„ใ€‚ๆฏŽๆœˆใ€
08:07
use cashback apps and coupons nothing  beats a good old-fashioned 20 off coupon  
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ใ‚ญใƒฃใƒƒใ‚ทใƒฅใƒใƒƒใ‚ฏ ใ‚ขใƒ—ใƒชใ‚„ใ‚ฏใƒผใƒใƒณใ‚’ไฝฟ็”จใ—ใพใ™ ใ€‚ไฝ•ใ‹ใ‚’่ฒทใ†ใจใใฏใ€ ๅคใ่‰ฏใ 20 ใ‚ชใƒ• ใ‚ฏใƒผใƒใƒณใซๅ‹ใ‚‹ใ‚‚ใฎใฏใ‚ใ‚Šใพใ›ใ‚“ใ€‚
08:17
when you're buying something but did you know  there are plenty of cashback apps out there
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ใงใ‚‚ใ€ใ‚ญใƒฃใƒƒใ‚ทใƒฅใƒใƒƒใ‚ฏ ใ‚ขใƒ—ใƒชใŒใŸใใ•ใ‚“ใ‚ใ‚‹ใ“ใจใ‚’ใ”ๅญ˜็Ÿฅใงใ™ใ‹
08:27
you just need to search for them you can  also find them on newspapers sometimes
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ใ€‚ๆคœ็ดขใ™ใ‚‹ใ ใ‘ใงๆธˆใฟใพใ™ใ€‚ๆ–ฐ่žใงใ‚‚่ฆ‹ใคใ‘ใ‚‹ใ“ใจใŒใงใใพใ™ใ€‚ๆ™‚ใ€…ใ€
08:37
sell everything that doesn't bring you Joy I did  it when I was starting saving money and it worked
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ใ‚ใชใŸใซๅ–œใณใ‚’ใ‚‚ใŸใ‚‰ใ•ใชใ„ใ‚‚ใฎใฏใ™ในใฆๅฃฒใฃใฆใใ ใ•ใ„ ็งใฏใŠ้‡‘ใ‚’็ฏ€็ด„ใ—ๅง‹ใ‚ใŸใจใใซใใ‚Œใ‚’ใ—ใพใ—ใŸใ€ใใ—ใฆใใ‚Œใฏใ†ใพใใ„ใใพใ—ใŸ
08:47
declutter the things in your home that you don't  
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ๅฎถใซใ‚ใ‚‹ไธ่ฆใชใ‚‚ใฎใ‚’ๆ•ด็†ๆ•ด้ “ใ—
08:50
need and are willing to let go off  for the sake of your financial future
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ใ€็ตŒๆธˆ็š„ ใช ๅฐ†ๆฅใฎใŸใ‚ใซๆ‰‹ๆ”พใ—ใฆใ‚‚ๆง‹ใ‚ใชใ„ใจๆ€ใฃใฆใ„ใ‚‹ใ‚‚ใฎ
08:57
that vintage chair you're out gave you sell it  that crystal vase you found at an antique shop  
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ๅค–ๅ‡บไธญใฎๆค…ๅญใ€ๅฃฒใฃใฆใ‚ˆใ€ใ‚ขใƒณใƒ†ใ‚ฃใƒผใ‚ฏใ‚ทใƒงใƒƒใƒ—ใง่ฆ‹ใคใ‘ใŸใ‚ฏใƒชใ‚นใ‚ฟใƒซใฎ่Šฑ็“ถใ€ๅฃฒใฃ
09:05
sell it you'd be surprised at  how much clutter you have in  
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ใฆใ‚ˆ ใ€ๅฎถใฎไธญใซใ€ไฝฟใฃใฆใ„ใชใ„ใ€่€ƒใˆใฆใ‚‚ใ„ใชใ„ใ‚‚ใฎใŒ
09:10
your home that you don't even use or think about
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ใฉใ‚Œใ ใ‘ๆ•ฃใ‚‰ใ‹ใฃใฆใ„ใ‚‹ใ‹
09:17
and the cash you can make on those things can be  
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ใ€ใใ—ใฆ็จผใ’ใ‚‹ใŠ้‡‘ใซ ้ฉšใใ ใ‚ใ† ใ“ใ‚Œใ‚‰ใฎใ“ใจใฏใ€
09:20
the difference between living  paycheck to paycheck or not
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็ตฆๆ–™ใง็”Ÿๆดปใงใใ‚‹ใ‹ใฉใ†ใ‹ใฎ้•ใ„ใซ ใชใ‚‹
09:27
these tips can help you save money that's true  but in my opinion the most important thing you  
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ๅฏ่ƒฝๆ€งใŒใ‚ใ‚Šใพใ™ใ€‚ใ“ใ‚Œใ‚‰ใฎใƒ’ใƒณใƒˆใฏใŠ้‡‘ใ‚’็ฏ€็ด„ใ™ใ‚‹ใฎใซๅฝน็ซ‹ใกใพใ™ใ€‚ใใ‚Œใฏๆœฌๅฝ“ใงใ™ใŒใ€็งใฎๆ„่ฆ‹ใงใฏใ€ใŠ้‡‘ใ‚’็ฏ€็ด„ใ™ใ‚‹ใŸใ‚ใซๆœ€ใ‚‚้‡่ฆใชใ“ใจใฏใ€
09:34
should do in order to save money is create new  extra income that's the best way to save money
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ๆ–ฐใ—ใ„่ฟฝๅŠ ๅŽๅ…ฅใ‚’็”Ÿใฟๅ‡บใ™ใ“ใจใงใ‚ใ‚Šใ€ใใ‚ŒใŒๆœ€ๅ–„ใฎ็ฏ€็ด„ๆ–นๆณ•ใงใ™ใŠ้‡‘ใŒ
09:46
because sometimes we can't save money  because we just don't have it my friend
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่ถณใ‚Šใชใ„ใ‹ใ‚‰ใŠ้‡‘ใ‚’่ฒฏใ‚ใ‚‰ใ‚Œใชใ„ใ“ใจใ‚‚ใ‚ใ‚Šใพใ™ใ€ๅ‹้”ใ€ใ ใ‹ใ‚‰
09:56
that's why you need to generate new extra  income that's the best way to save money
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ๆ–ฐใŸใชๅ‰ฏๅŽๅ…ฅใ‚’็”Ÿใฟๅ‡บใ™ๅฟ…่ฆใŒใ‚ใ‚Šใพใ™ใ€ใใ‚ŒใŒใŠ้‡‘ใ‚’็ฏ€็ด„ใ™ใ‚‹ๆœ€่‰ฏใฎๆ–นๆณ•ใงใ™ใ€
10:06
that sounds interesting how can I do  that I want to earn more money tell me
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้ข็™ฝใใ†ใงใ™ใ€ใฉใ†ใ™ใ‚Œใฐใ„ใ„ใงใ™ใ‹ใ€ใ‚‚ใฃใจใŠ้‡‘ใ‚’็จผใŽใŸใ„ใงใ™ใ€ๆ•™ใˆใฆใใ ใ•ใ„ ใใฎๆ–นๆณ•ใฏใŸใใ•ใ‚“
10:17
there are many ways to do that but I  will tell you about it in another video  
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ใ‚ใ‚Š ใพใ™ใŒใ€ ใใฎใ‚ขใ‚คใƒ‡ใ‚ขใŒๆฐ—ใซๅ…ฅใฃใŸๅ ดๅˆใซใฎใฟใ€
10:22
only if you like the idea
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ๅˆฅใฎใƒ“ใƒ‡ใ‚ชใง่ชฌๆ˜Žใ—ใพใ™ใ€‚
10:27
I'm sure everyone wants to have more money they  will let us know on the comments I hope you liked  
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่ชฐใ‚‚ใŒใ‚‚ใฃใจใŠ้‡‘ใ‚’ๆŒใกใŸใ„ใจๆ€ใฃใฆใ„ใ‚‹ใจๆ€ใ„ใพใ™ใฎใงใ€ใ‚ณใƒกใƒณใƒˆใง็Ÿฅใ‚‰ใ›ใฆใใ ใ•ใ„ใ€‚
10:36
this conversation if you could improve your  English a little more please subscribe to the  
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10:42
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10:47
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