Category: Expenses

A promise is a promise. I had planned to expose here all my expenses of the last twelve months. Here they are!

As you already know, I have a rather frugal lifestyle and I’m quite happy with it. You’ve probably noticed just how frugal when I break down all my expenses in every monthly review. However, it still fluctuates from one month to the next. So, what does it look like on a yearly basis? I was really looking forward to having a full 12 months of expense tracking to assess, see trends and have a better overview.

So let’s get to it! I’m going to go from the biggest expense item to the smallest. The first positions should not surprise you! Then I’ll follow up with some findings and what’s next.

I remind you that all these figures represent expenses for a single person with a single salary.

Car: $12,468.66

So, let’s start big! Of course, you probably expected this. I’ve been talking about my worst financial decision for a long time now! In addition to getting a new financed car in 2016 (for the second time, dare I add), I also maxed out my car payments to pay it off faster. Add to that the other related costs and this expense item obviously take the top spot.

How did I arrive at this total? First of all, there was $10,263.55 in payments on my loan. That’s a big chunk right there. Then I paid $787.40 for maintenance (including new brakes), $542.54 for my car insurance with Intact, $477.80 for gas (a cost I almost always share with my pedestrian sister), $230.43 for registration, $87.94 for my licence and finally $79.00 for a speeding ticket.

So, obviously, the biggest chunk goes to loan repayment. If it wasn’t for that, I’d only have $2,205.11 in expenses related to my car. That’s a much more respectable amount, but still quite significant. It goes to show that even a paid car is still expensive.

Housing: $6,494.38

Not surprisingly, housing is my second most expensive item. For many people, the total amount spent may still seem quite low. This is mostly due to the fact that I rent and have a roommate. I paid 5,975.00 for rent, $345.40 for my share of Hydro-Quebec and $173.98 for home insurance.

So, it’s not difficult to add up all related expenses compared to a homeowner. There would necessarily be more related costs. Nevertheless, it still takes the second spot.

Vision Correction: $2,990.00

Technically, it’s not all paid off yet, since I’m stretching the balance on my credit card with a 2% promotional rate, but it’s easier to calculate like that. The real price was actually $3,790.00, but I got an $800.00 refund from my insurance.

And thankfully, this expense will not show up every year. So that’s a big exception for this year!

Food: $2,796.93

If it weren’t for my vision correction surgery, food would be in third place, despite all the optimization in the world. The majority of this expense item comes from groceries with $2,525.62. I wasn’t kidding when I said that I don’t go to restaurants very often, since I only spent a grand total of $146.95 in the last twelve months! And that includes my many Starbucks coffees. 🙂 Finally, I also include my SAQ alcohol purchases for a grand total of $124.36.

My observation: I am not an alcoholic. No kidding, I mostly see that no matter how careful we can be with groceries and avoid restaurants, this expense item will always remain a big chunk of the budget.

Vacation & Travel: $2,029.39

I was a little surprised at this figure, considering I haven’t really travelled in the past year. However, after reviewing each expense, it makes sense.

First of all, I include in the total the different credit card annual fees that I paid to accumulate travel miles and points. That’s $360.00 here (for three different American Express cards). I also spent $400.00 on an Air Canada gift card and $68.99 on Aeroplan points to earn even more points. I still haven’t used said card. So, in a way, I paid in advance a future travel expense.

Other than that, I also booked a small Airbnb cottage last January ($206.55), I took a small frugal trip to Gaspésie in June with Mr. Slap ($159.74) and I already paid some expenses related to my trip to Hawaii ($834.11) which will take place in September.

Still, it’s interesting to see the total amount. It’s more than I thought it would be, but fortunately it’s a lot less than it could have been, considering all the points accumulated and already used. For example, just for Hawaii, I’ve already saved over $1,000 with my miles and points. Hooray!

Memberships: $698.00

For many, this is a category worth optimizing. How many people say they don’t know where to cut expenses? In my opinion, this is a great place to start.

Fortunately, I think I’ve narrowed this category down quite a bit. My share of our home internet only cost me $365.43 for the whole year with Fizz. My cell phone cost me only $134.82, mostly thanks to the dear readers of this blog who used my Fizz referral code (N5MMB).

Finally, Netflix cost me $117.70 and Spotify cost me $80.05. I share both subscriptions with my sister.

By the way, thanks to my Cobalt American Express card, I got a free one-year Spotify Premium subscription recently. It’s funny, since I was thinking of switching to the free subscription soon. Now I have the best of both worlds: free and no ads. However, after this promotion ends, I’ll definitely make the switch to the free subscription. 🙂

Donations & Gifts: $799.98

Here is another category that surprised me. I made $170.00 in donations (not including those deducted at source by my employer) and made $629.98 worth of gifts to different people. I may be more generous than I thought. And I don’t see a need to optimize here. It’s important to know how to give back, too, in life. 🙂

Cats: $466.22

I want to clarify that this is for two cats, not fifteen. I am not (entirely) a cat lady.

So this amount basically includes food and litter. I very rarely buy them treats, and even less often toys. They’ll play with just about anything, anyway.

My observation in this category is that inflation is undeniable. Prices have gone up a lot in just twelve months. I buy mostly the same brands all the time, so it was easy for me to see the glaring difference of over 10%. Otherwise, I manage to keep costs at a respectable price for quality products by buying the largest sizes available and load up whenever it’s on sale. 🙂

Blog: $96.62

Yes, this blog is not free. Notably, I had expenses related to the logo, the beautiful Trek drawing on my About page and various fees related to hosting this website.

However, now that I calculate the total amount of money I put in, I realize that I made a profit with this blog, mainly due to bonuses. Also, the recently integrated ads alone should now cover the costs alone.

However, let’s not talk about the total time put into the blog. That’s just embarrassing. 😉

Other: $1,001.21

Finally, here’s the category that includes several small amounts of no real consequence, at the time anyway. However, when added up, it’s still a good amount. A category like this can be treacherous! Beware. 😉

Total Expenses: $29,841.39

So, what’s the bottom line? I spent $29,841.39 in twelve months. I’m way off target, aren’t I? Yes, I am. But that’s not exactly a realistic picture either. My car loan will be ending soon and I certainly won’t be getting eye surgery every year. So if you deduct these expenses, it comes down to a total of $16,587.84 for a year. Now that’s the frugal lifestyle I aspire to.

Now, considering that my net income for the last twelve months was about $54,000, which means I spent about 55% of my disposable income. That left room for 45% savings on average.

Let’s also look at the proportion of each expense on total expenses with a graph:

We didn’t need a graph to know where the problem lies, but still. It’s striking.

Hopefully, there’s optimization on the horizon and all of these conclusions will come to change for the better 🙂

What’s next

Of course, the best way to dramatically lower expenses and therefore achieve financial independence faster is to tackle the biggest expense items. So, once my car is paid off, my biggest expense item will be housing. While many could say I already have it optimized, I know I can do even better. Since working remotely is going to be commonplace in my future, I will be able to optimize this expense item in the not too distant future.

I broached the subject in previous posts about the hypothetical purchase of my mother’s house. Well, things are slowly but surely becoming official. I should go to the notary in October to finalize everything. In fact, I will buy the house with my sister. As we both aim for financial independence, it seemed the best strategy.

Ideally, I would like to have a house paid once I quit the 9 to 5. Since it’s a not too expensive house in the countryside ($80,000), it shouldn’t be too much of a challenge. After that, if I only have to pay other related costs with my sister, my annual housing expenses should be less than what I currently spend on rent.

Of course, since interest rates are very low right now, I’ll still put the amortization of the house over 25 years and a minimal down payment to concentrate the maximum of my current cash flow in the stock market. In addition, I will use the HBP at its maximum ($35,000) to use the majority of it to reinvest in my TFSA. This will bring me closer to maximizing my TFSA contributions much earlier. After all, a dollar in an RRSP is not the same as a dollar in a TFSA. I’ll sure take advantage of that.

When FI will be at my doors, I could simply pay off the mortgage in full before I pull the plug. Whether I follow this plan remains to be seen. I know it’s an eternal dilemma. Invest or pay the mortgage? We’ll see when we get there, depending on the state of the markets and, of course, interest rates.

Anyway, I got off track a bit here, although it’s still essential to understand how my expenses will change in the next few years before and after achieving FI.

Conclusion

So there you have it, I was looking forward to having a full year of expenses to assess. Now that I have, I’m happy to see that I didn’t stray too far from my projections. Now it remains to be seen what the next few years will look like. One thing is for sure, I am very happy with my frugal lifestyle and I love to optimize. So I plan to continue on this path.

Do you have a realistic idea of how much you spend in a year? Do you keep track as closely as I do? Don’t hesitate to let me know.

See you next time!

“I’m frugal!”

Rings a bell to anyone? Are you having a bad case of déjà vu?

Honestly, I often say as a joke that I’m cheap, since that is the general opinion of people faced with frugal choices. Oh, and I don’t really care what people think anyway.

I once said this in front of my aunt, who also tends to make wise choices with her money. She then said, “No, you’re not cheap. You’re just like me, you like to pay the right price.”

I thought that was pretty accurate.

Or, in the same vein, there’s the 3rd rule of acquisition for the Ferengi in Star Trek:

Never spend more for an acquisition than you have to.

Yes, I may be a little too inclined to assess everything in dollar terms. For some, that makes me Scrooge McDuck or a Ferengi, for you Trekkies out there. However, I do make judicious choices in order to get closer to my goals faster, and never at the expense of others. In fact, just by looking at my net worth‘s progression in the past year, I like to think it’s working out pretty well. It may be extreme for some, but I prefer this extreme to the alternative.

Mindless Spending

With the exception of my aunt, many people around me are very good at practising mindless spending, which I believe can only be detrimental to their financial health. By mindless spending, I mean those who spend on anything and everything, on the spur of the moment, without comparing or looking for a better price.

For example, I went to the hardware store with my mother the other day to buy something specific for her garden. As soon as we walked in the door, she saw a BBQ on sale for $250 plus tax. She immediately said, “I’ll buy it”!

In my opinion, if I hadn’t been there, she would have come home with a new BBQ. Fortunately, I was able to calm her down. I reminded her that she already has a working BBQ. That even though it’s not very new and shiny, you can still make delicious meals with it. You understand now what I mean by mindless spending? This potential expense was not thought out and planned in any way. She would have walked out of the hardware store with almost $300 less in her pocket when all she was going to buy was a $3 gizmo.

In short, the wise words of Pierre-Yves McSween come to mind. Mom, do you really need it?

Conversely, in my case, every expense is analyzed and calculated. And I always make sure I pay the right price on everything.

Find Deals

I’m not saying to jump on every bargain. Because, of course, the best deal is the one that costs nothing. But for some unavoidable expenses, it is good to bargain shop.

I have to come back to the subject of groceries, yes. What can I say, it’s a big chunk of the budget. So it’s absolutely important to pay the right price.

Why would I buy my pound of ground meat for $6 when I know it’s $3 on sale elsewhere? Some may say that they don’t like to do multiple stores for a lack of time or they don’t want to go the distance. Well, if those reasons applied, I’d simply go without ground meat that week. I would buy something else on sale.

Of course, this also applies to just about anything else. Anything you want to buy deserves to be carefully shopped and compared. Just taking the time to shop around will calm down your impulsivity. So, why buy something at full price in one place, if it is at a better price or at a discount elsewhere?

Making Your Own Coffee

I may sound like a bit of a hypocrite, since my monthly reviews show some recurring visits to Starbucks. However, you should know that out of my 14 coffees per week (yes, two a day), only one comes from Starbucks.

Because yes, it doesn’t make sense to pay $3 for a coffee every time.

Not when I know that my cup of homemade coffee costs me about 6 cents. Starbucks coffee may be delicious, but it’s certainly not 50 times more delicious than my coffee at home. So, yes, I do indulge, but only occasionally.

Want another example of outrageous prices? The other day I had the bright idea to try an iced coffee at Starbucks. So I order the same recipe as usual, but with ice. It was 1$ more expensive. For what? Ice (which takes up space), and therefore, I end up with less coffee!

Let me tell you, I’ll make some at home in the future. Otherwise, the one at McDonald’s is $1 all summer. 😉

Cooking Your Own Meals

With restaurants reopening, maybe you feel like rushing in for a good meal.

Well, I don’t.

The other day I made a delicious tuna tartare for me and my partner. At Metro, the tuna (tartar grade, I might add) was on sale for $8.99/lb. With homemade cheese chips, a small spinach salad and cucumber slices, I estimate that the meal came to a maximum of $6 per person. Since it was all unprocessed food, it was literally tax free!

Now, how much would it have cost me at the restaurant? A plate of tartar is easily $25 on the menu. Probably more. I don’t know, I rarely go to restaurants. Then, of course, there are the taxes and tip, so it’s really $33 minimum out of pocket.

And that’s with a glass of water. That’s without even adding a glass of wine! While a glass of a nice cheap bottle at the SAQ is $2-3, at the restaurant we’re talking more than $10. And once again, you have to add taxes and the tip.

In short, between the two, I know which one I prefer. Especially since my tartar was really delicious! I wouldn’t have had the feeling of satisfaction of having cooked a good meal nor the compliments from my partner if we had gone to a restaurant. 🙂

Go for Second-Hand Goods

Whether it’s items donated by a loved one, purchases made at a thrift store or from a third party via Facebook Marketplace, Kijiji, etc., this is a great way to pay the right price on a variety of things.

By the way, we’ve just passed the moving season in Quebec. You may have noticed the multitude of things that people are trying to get rid of at a loss? Or, at any time of the year, people who get rid of clothes in good condition, simply because they are “out of fashion,” or because they no longer fit? To get rid of them, they must necessarily sell at a fraction of the price they paid.

As an example, let’s say I need a nice jacket for work for the occasional important video conference. Instead of paying $100 for one new in a store, I can find one for $20 on Marketplace. It can be a bit difficult to find something that fits perfectly. However, for a piece of clothing that you’re going to wear occasionally, it’s worth the cost.

If you take advantage of these bargains, you can dress or furnish your home for very little money, while reducing your ecological footprint. By letting others absorb most of the real price tag, you consume less and keep more money in your pocket!

Time Is Money

Since most of us work for an hourly wage, it’s wise to remember that time is literally money. So if you had no choice but to spend, I hope you paid the right price.

Indeed, let’s say you bought a gadget of some sort for $500, not knowing that it was discounted to $400 elsewhere, or even going for $250 on Kijiji. Do you have any idea how much that extra $100 or $250 spent really means?

If you want a little reality check, take that amount and divide it by your net hourly wage. You’ll see how many hours you had to work just to pay that amount, only to throw it out the window. You didn’t just waste your money, you wasted your time. And time is precious!

Or, as my partner likes to calculate, see how many units of your favourite ETF that is. Two hundred and fifty dollars is 9 XEQT that won’t appreciate in your portfolio. 😉

Of course, it’s even worse to do the math if it was mindless spending on something you didn’t really need.

After doing the exercise, maybe you’ll try to avoid paying more than necessary.

Conclusion

So, I may look cheap to some, but I prefer to make wise choices that will positively impact my long-term financial health. If I spend money to please others, who will really benefit from it? Certainly not my wallet!

As Nicolas Bérubé said in his book Les millionnaires ne sont pas ceux que vous croyez (loose translation: Millionaires are not who you think they are):

Every purchase hurts our ability to grow rich, to build our financial independence and our ability to use our time as we see fit – now and in 10, 30 or 50 years.

Cheap, frugal, thrifty, call it what you will. As my aunt says so well: I like to pay the right price. Sometimes the price is $0, if I just don’t feel I need it.

And yourself, do you make certain financial choices that have your loved ones a bit confused? By watching their mindless spending, do you feel like teaching them some frugal basics sometimes?

Don’t hesitate to tell me about it.

See you next time!

Hello everyone!

After a reader asked me for my tips on how to save on groceries, I decided to make it the subject of an entire article. I think it’d be relevant for everyone to see the possibilities to optimize this budget item which, as we know, can monopolize a good chunk of our budget!

For my part, I manage to maintain a level of expenses that I consider acceptable. I have to say it wasn’t always optimal, and I’ve had to improve my method over time! It’s the same for everything. With practice and a little perseverance, we get better, and we find the right balance.

So, I’m going to start by giving you an overview of my grocery spending. You’ll be able to see the average I spend at the grocery store and how much of my disposable income it represents.

Then, I’ll share with you the tips I always use, as well as what I try to avoid doing. I hope you’ll find something that’ll help you save a couple of bucks!

My Food Expenses

Firstl, I wish I could give you a more comprehensive picture, but I only started tracking my expenses in August 2020. So I can’t go back any further to do an average. Still, it’ll give you a good idea!

Also, as of September, you have access to it in detail through my monthly reviews , and you’ll continue to have access to it for future months.

So, let’s see how much I spent at the grocery store every month:

• August: $269.00
• September: $204.42
• October: $205.98
• November: $191.46
• December: $216.10
• January: $212.71
• February: $200.12
• March: $214.89
• April: $207.49
• May: $189.92

That means my average monthly grocery bill is $211.21, or $2,534.52 annualized. This represents about 5% of my disposable income. Considering that food expenses are generally part of the three big budget items (along with housing and transportation), that’s a pretty good number!

My tips

So, it would seem I have a good method, since my food expenses only take up 5% of my disposable income. Of course, I make a fairly respectable salary, but that’s no excuse for eating caviar!

I have been following a ketogenic diet for several years now, but the following tips absolutely apply to anyone.

Make a Grocery List

First of all, the best way to really buy what you need in a structured way is to make a list. As soon as you run out of something, add it to the list for the next grocery run. That way, you never forget anything and you don’t have to go back.

Although there are many apps for this, I personally use Google Keep to make my list. The advantage, compared to a paper list, is that I am much less likely to forget it, since my smartphone follows me just about everywhere. Plus, you can share the list with someone else for review and editing. That way, my sister and I can both access it at any time and add to it as we go along.

Of course, making a list is nice, but you have to stick to it. That means not adding too many unplanned items at the store just because you’re hungry.

Buy in Bulk

It’s the same thing for just about anything else. Buying larger sizes means you benefit from an economy of scale! If you’re not sure whether the larger size is actually cheaper, most grocery stores will show the price per 100 g on their price tags. This makes it much easier to compare what gives the most bang for your buck!

Of course, the bulk champion is Costco. I personally do more than half of my grocery shopping at Costco, so I benefit from a pretty impressive economy of scale! Let me tell you, the subscription pays for itself pretty quickly.

Don’t Go to the Store Too Often

Let’s face it. People who go to the grocery store every day almost always end up buying more than they needed, under the influence of emotion or appetite. Moreover, if they go back so often, it is most likely because they buy sizes too small in the first place, and therefore, pay more per 100 g.

Personally, I go grocery shopping about every two weeks. This is actually another advantage of buying in bulk. It takes longer to get through everything! And when I run out of something, what do I do in the meantime? I do without. I eat something else and cook what I have left.

Buy on Sale

No, not everything is cheaper at Costco. It’s worth going elsewhere too! And before you go to other stores, take your good old flyers out. Even better, use a flyer application (and unsubscribe from the paper version)! There are several available, such as Flipp, Reebee, etc.

Then, you can buy only the best-priced food. Personally, I know that for nuts, cheeses and many vegetables, Costco is the best. However, when it comes to meat and dairy products, it’s worth looking elsewhere!

Buy House Brands

Don’t be married to name brands. Many savings can be made by simply choosing the house brand! The big name brands, even on sale, are often more expensive than the house brands. Again, compare the price per 100 g. The difference can be impressive.

Also, it is not uncommon for house brand products to be actually manufactured by a third party, such as another well-known brand. They just put a different label on it! Let’s take a well-known example like Costco’s house brand Kirkland. Who knew that Kirkland coffee really came from Starbucks? The more you know!

Meal Prep

If you thought living on your own keeps you from buying in bulk, let me contradict you.

Unless you lack storage space, there is nothing to stop you from buying large quantities of the same food, cooking it in large amounts and then freezing it in single servings for later.

Don’t want to eat the same thing all the time? Buy more versatile proteins (ground meat, chicken) that allow you to make different recipes.

Personally, I always have small, single-serving meals in the freezer that I prepped in advance. In the past, when I worked in an office, I always had a lunch in the freezer, ready to go. That way, I was never tempted to eat at the cafeteria. Now that I work from home, it’s handy when I don’t feel like cooking or when the fridge is getting empty.

Stock Up On Versatile Foods

Some foods can be prepared in a multitude of ways. These will be your best friends.

For me, it’s eggs. Not only are they versatile, they’re good for a long time and cost next to nothing. 30 eggs for $5? I love that! However, when I run out of eggs, I know I need to stock up.

For some, it could be beans of any kind, pasta, frozen or canned vegetables, whatever.

The important thing is to have back-ups like this when supplies are running low, and you’d rather wait a bit more before you go grocery shopping.

Practice Intermittent Fasting

Fasting is not so popular, because it is profitable for absolutely no company. Although I know it’s not for everyone, you should know it has many health benefits.

However, the best side effect is for your wallet.

I’ve read some frugal bloggers who calculate their food expenses at about $2/meal. In my opinion, that must be a lot of bread, pasta and canned beans.

Personally, I average at about $4/meal, but I eat very differently and much less often. The final tally ends up being very similar. Remember, keto does not include bread, pasta or beans.

And everything tastes just so much better after a long fast! 🙂

What to Avoid

Now, maybe you already know and apply most of these tips, but you still find your grocery bill too high. So maybe the problem lies elsewhere. Here is a short list of things I avoid to keep the grocery bill at a decent price.

Snacks

I don’t know about you, but when I was young, I remember being told not to snack, or it’d ruin my meal.

Nowadays, it’s completely the opposite. Everyone eats snacks, all the time. Of course, if we make people believe that it is necessary to snack all the time, Big Food gets even richer.

Personally, I don’t snack. I only eat at meal time and I feel great. I eat (very) hearty meals that keep me full until the next one. That’s saying a lot, because the next one is sometimes 24 hours away.

Letting Food Spoil

No matter how much you buy your food at a good price, it’s all for naught if you let it go to waste (because you’ve eaten out too often, instead of cooking).

To avoid food waste, I also use Google Keep to keep an inventory of my fridge and freezer. Some might say it’s a little intense, but I like to be organized in just about everything.

When I’m wondering what to cook, I don’t even have to go through my fridge because I have a list. If something is hiding in the back of the fridge, it won’t be forgotten because it’s also on my list.

When I’m about to cook, I can pinpoint what needs to be eaten first (fresh meats and vegetables, for example), and I can add it to my recipe.

Of course, you still have to know how to improvise meals with the leftovers. Fortunately, we have the best possible tool in the world when we lack inspiration: internet. And the more comfortable you are with cooking, the more you can improvise intuitively without a recipe.

Finally, if you really don’t think you’ll be able to eat something before it goes bad, freeze it (if possible)!

Processed Food

Making everything from scratch with ingredients purchased in bulk will save you way more money than buying ready-made or processed foods. Especially considering that processed foods are taxable, compared to non-processed foods. By avoiding them, you automatically save 15% (in Quebec, anyway)!

Also, to avoid processed foods, here’s an easy trick. Just don’t do the middle aisles. It’s the realm of processed food. Stick to the foods on the periphery. 🙂

Also stay away from ready-made food at the grocery store. Yes, it can save time, but it’s expensive per meal and often not very nutritious. You’re no better off if you’re still hungry an hour later!

The Benefits of Lowering Your Grocery Bill

Of course, if you manage to lower your grocery bill a little, this could impact directly your savings rate. This will inevitably bring you closer to financial independence. Hooray!

Also, remember the 4% rule which recommends having a nest egg equivalent to 25 times your annual expenses. After that, annual withdrawals of 4% will cover your expenses.

If you do the exercise by expense items, it gives you an idea of how much money you need to have to pay for a particular expense once your FI.

So, if you spend $12,000/year on groceries ($1,000/month) and multiply that by 25, that means you need $300,000 to pay for your groceries at a 4% withdrawal rate.

However, if you manage to cut it in half, or $6,000/year or $500/month, only $150,000 will be needed. That’s a lot less money!

Using my previously mentioned numbers of $2,534.52/year, that means I only need $63,363 to pay for my groceries. Considering my nest egg is currently around $150,000, it’s like this part is already taken care of for me.

So, reducing the grocery bill allows you to increase your savings and decrease the amount of money you need to reach financial independence. In my opinion, it’s a win-win. 🙂

Conclusion

I have to say, I enjoyed taking stock of my grocery spending. I’m happy to see that I’m staying pretty much within my desired numbers, and without feeling any sense of deprivation. Looking at the numbers, it doesn’t look like I eat meat, nuts, cheese, avocado and tons of greens on a regular basis. But I do! 🙂

Also, I’ve been tracking my spending for almost a year now, and I’m starting to see some trends. I should have started doing this a long time ago!

One thing is for sure, food will always be a big part of anyone’s budget, and all tips are welcome to help lower the costs! I hope mine will be useful to you! If you have any other good tips, don’t hesitate to leave it in the comment section. 🙂

See you next time!