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Since today, welcome to Economics, tattoo your finance podcast. Here we will speak lightly and sincerely of money where together we will turn the difficult into easy and clear we will take our finances to another level. From now on, your numbers will be as if you' ve never committed errols for a lecturing past, a healthy present, a promising future, and a grateful pocket. That' s why we' re following us on Instagram, Facebook, Tiklok,
Linkedin and Twitter. Silver approved welcome to a new episode more Economics Tata Your finance podcast. I' m Kimberly and I' ll open it, Laura. Let' s talk about living alone. A subject that writes to us all the time that how can you step in to become independent without just getting married not and that sting, that' s why I' m going to sing, that' s how I can put that as a goal,
because I definitely can' t move alone. Yeah, I' m not maintained and if I don' t have money or one of two exact and if I' m not married, here' s a taboo, that is, I can' t move on my own if it' s not after the church that I go out with my husband, but why they can move alone and they don' t think like why it isn' t. I
don' t understand, I don' t understand the truth. I don ' t understand that part that a woman can' t, I mean, she can' t in quotes really get independent before she gets married, that I don' t know how or don' t put that to her dad or her mom that I' m gonna get out of my house and I don' t even have plans to get married maybe, but I want to live alone, I want my space. Yeah, I think our generation has
been changing a little. That goes back to the taboos of financial education, which wasn' t done before, that our grandmother didn' t know anything about a bank account, that she couldn' t talk about finance, but now, like the woman' s taking her steps. Yes, yes, yes, and very important to be able to make decisions like that of fashioning just because otherwise, if you don' t have a financial platform and you don' t have financial education and a base, you can' t take
those steps. But we didn' t want to address this issue on our own that we both lived alone, but we invited a friend. Yes, we invite Sarhumain depublicista, founder of two projects, Sara mainly of help and the true rock, yes, right welcome to our podcast. I love to be sitting here with you because you are two women I admire too much and it has been my turn to see your trajectory very closely and to be in this table today talking about this subject that I love, but that was a
subject that came to me in a very particular way. Not as everyone sees it, either I made the decision to live alone and start and get out of the nest. I think I got this chance for a woman. It was my mom who made the decision. It was my mom who told me, Sara, you have these savings, you have this project, you have money. My mom did it one way. It was to stop him from spending on as many trips as I would translate everything into a flight. I ' m going this way, I' m going that way. My mom
said it. If I put a financial goal that she can hold on to, she' s going to stop being out of this by taking the money back from America and she' s going to commit her to something that' s sustainable over time and that' s a personal project of hers. My mom' s an economist. She could tell me exactly something she' s
also a psychologist. Uh, because she had to imagine how she had to understand, because obviously, if she told you Sara, stop spending no more trips this year or no more trips for six months that she was going to tell you no more or less. I mean, I' m going to go on, but she says it in a strategic way, she did it in a strategic way and that I could make it sustainable for me too, that it was sustainable in time and that it was real It was a project
in planes two thousand nineteen before the pandemic. It is true that the economic proposal was extremely different from the current one. The prognosis was very different. We did not think that everything that has happened in the economy after a pandemic would happen. But that also took a turn, because we already know what
happened to that sector after the pandemic. But at the time that that decision was made with my savings, I buy in plans and I know that at a period of one or two years I had a very sustainable form of payment, it was every three months. They put me in an amount to pay and I already knew that I had to mentalize for every three months to make that credit to that property. Well, there' s a pandemic coming in,
and obviously, the project is paralysing. It paralyzes for a while and I am happy because I have more time to pay and at that moment I did not plan to live alone. I saw it as I bought it from investment. I put it in an airbnb. I remember you, when you bought it, started with the first steps. You were telling me that you were talking like it was a total investment project and like I didn' t look like that was my house, as it was. It was something like
that to your project. I see a blueprint. I' m not seeing it as or to put you exactly and I could see it away. I mean, it wasn' t something they' re gonna give me. It was a two- year project. Then, at that moment I saw him far away. And after the pandemic comes, it increases by three and a half years, then I see it even further. I kept paying without problems until the time comes when they' re going to hand me over, they
' re doing the meeting. And at that moment the real estate sector suffered a rise, after I had already signed contracts and so on, the same good that I had bought. He' s raised his price to twenty- five by fifteen percent, sorry to fifteen percent. You already know it demands that how something would go up to that magnitude and how it could be sustainable.
And we had already signed something before a pandemic. But I too, like the construction sector, was also affected by the point that what at that time was very strong, happening inside the buyers and inside the people who were engaged in it and in the contract, abar understood that I really understood that could increase the prisoner, because I saw contracts after sale, that is to
say that already in pandemic and I saw that they had that clause. I didn' t have that clause, but I think since they were all in the same position it was trying to negotiate. It will come as the pandemic, which was not exactly expected to be good. The point is that nothing we could do what, we could negotiate, I could make that dream come
true and when I had it in my hands, I said ok. Now it' s time to live it or rent it in a wir renbe, because I fell in love with the idea that I could live alone and that I could make a home for myself and that I wanted to leave my house there, but not dressed in white as the illusion it has, but I always relaxed with that I put on a white Georsey and house and an exact
maletic and a maletic and went to that space. I think that' s been one of the best decisions I' ve ever made in my life, because that decision, like it helps you grow up faster, helps you order just look at words my word of the year. I now, in May, spent a year living alone. My word of two thousand twenty- four was order. Right now it' s order in every sense of my life and by living alone I could understand order more like I don' t depend
on anyone anymore. If my mom pays us the light, paints it, if the phone happens this, if there is no food and nobody buys it, little bit nobody like she doesn' t call the lady who cleans like there are many things that before responsibility, not responsibilities that before living in the place of my parents, I ignored it and said this almost imagi You must take it for granted totally. You understood that a little robbery was going towards
it compared to that everything happens to us little good micico. That' s up to mom and dad in a lot of Dominican homes. Then nothing, when reality comes, that you cut off the water and light and you know how to survive this, I caused a shock but in a positive way and I already took it seriously. Okay. This is a life plan, this is a lifetime s and you realize it' s expensive, it' s cheap. What you can do yourself aha and what changes you can make to
keep living. The first thing that happened to me was food. I think the amount of damaged food I voted for in that house. The first month ah because you make the first purchase and treat it all there buys you what you don' t like. You buy it all right and you think I
can' t do this? I can do what? Another tata tata made a purchase like that if it was a family of fifteen people to fill that fridge, that fabulous fridge that I don' t buy doesn' t want to fill it up and see it pretty because it just looks nice full yes and I realized that it wasn' t sustainable, that the money that was spent on food, that in the end I didn' t get eaten because it damaged things that the life time of a cheese wasn' t for you, it didn' t give to me and that I was one or more
than a pound that is a pound of an experience of one not having that experience. And a sara question before you went into the moment you moved in, you said that your mom set you that financial goal because you were putting the money in travel, in expenses and you didn' t have like maybe those clear savings. How was that change from you spending on travel, from not saving to already having a commitment to pay those fees every once in a
while. I mean, like you did, like what was challenging to you. You know no roses. I say a beautiful pandemic and you couldn' t travel. You could live us and say it came at the perfect time where I couldn' t. But I, too, had to get the idea that everything that it is time to settle down to work to fulfill a dream and that the income was also ill- treated, was affected by a
pandemic, but precisely in the same pandemic. I started a new project that was a brand of clothes and I don' t know why in pandemic people bought more rock than normal and not just more troop the big luxury brands on a global level. We mentioned a luxury brand and you can be sure that that brand doubled and even tripled the price of its products because people wanted to buy it a pode no longer understand leisure time, already one was at home,
had time to see quiet. One I studied in Milan and we studied the luxury brand and one of the main reasons why a person consumes a luxury is when he is sad or has a lot of anxiety, because that gives him some adrenaline. So, in those moments where you' re more saturated with many emotions, that gives you adrenaline and you produce serotonin buying some good, whether it' s something material, a shoe, a wallet, women
go in. We also did that at the University to ask and enter the stores and see the state of people' s souls, and not everyone was happy while we were buying some articles, but they were under a lot of stress. So, in the pandemic to the marks, that helped him because at the end of the day everything is mental. Yeah, so that also favored the brand that you threw out of rock exactly and that was a brand of beach clothes. Then, also at that time people all they did was
go to the beach. Obviously, we live in the Caribbean, Dominican Republic in this case and that greatly favored that brand. Then, also the trips of the Peña, when they opened that people. The first thing I wanted to do after a pandemic was to travel to enjoy being in touch with people, because after some of that feeling of being so busy, you the first thing you want is a physical contact with someone. You want to talk, you want to sit down. That' s why they' re talking to
you. This one' s so full of silver- plated cardazoa. Then you made that commitment. You always paid your dues on time and thank God, that brand went super well, even in the exact pandemic, and you could already create that savings that maybe had no other previous. I already had, because that savings I already had with him was. I was saving more money and already, in the end, when he paid me to touch that final fee I made a family loan. Okay, you applied for a loan
from your family. Oh Fa my pass there is no such miracle. That ' s what happens for States to the best. But okay, okay, so, dear Sara, you didn' t have to borrow a bank. Thank you, thank God, because thank God it was my family and it was Ok for zero percent, of course, thanks to Dio for the love he has for his son. Yeah, sure, sure. But we really lend them are a clear ally, of course, and especially for a person who' s at this stage of Ok I' m going to buy flat
because I want to move alone. Loans are going to help you eventually, because not everyone really has the opportunity for their family to get to that point of lending them the part they lack to buy their furniture or not everyone has the total amount to buy real property from each other. Then the loan comes at a point where it is your ally for you to be able to meet this goal. Now, on this loan issue, no one educates you,
no one ever talks to you about loans, no one at all. I think for the same reason, since no one educates you about the loan, I was afraid. I was saying that I' m not going to be able to sleep if I have a loan and I have to give him a bank for four years with a cup and that it interests them or something. And at that moment my mom, being economists, gentlemen, I grew up
in the corridors of a financial institution all my life. My mom spent thirty - five years working in a financial institution, so I lived that all my life, but in a way you' re also surrounded by an economist, whether it' s my mom or my brother. At no time did the issue of finance open up so clearly. I mean right now, I'
ve already learned what a loan is. I want to take a loan just this year for another financial goal that I have and I can see it more clearly That is no longer a taboo issue, there is no longer that shell.
I owe the bank money. It' s no longer something more normal exactly, because you don' t take it with exact fear and ignorance, but you know what you' re going to do exactly and it' s an impono for you to achieve financial goals, that is, you look at how you didn' t self- conscious that because for your property you didn ' t ask for a loan, and for another good goal you' re going to plan and that you owe it to a bank doesn' t mean
a plan to make extraordinary allowances and little by little a month that I had that you have to stay the full term of that loan. You can create a lot of income. Ah well, let me pay you on my loan and so pay it off in a shorter time and, in the long run, pay less interest. Exactly, yes, we have publications of fairness.
When I took out my first loan and poteload, which was in the two thousand eighteen, I was also blessed as you who bought my first property before the pandemic and the truth is that the price is extremely different from how the same furniture is now postponously. Then, at that time, when I went to take out that loan, it was really boosted because number one we already had a good saving for an initial and number two. The mother of the play calls me Kin Berlin legal box. I know I went to caban and
I know what' s legal. Okay, I call, I call Juan, my wife and I, Juan, I fit him in, I remember that word. Legal complaint that I used to talk to him more about the fit. I tell you hey you don' t call me here merle to my two brothers what a daughter. Maybe I didn' t have that, but I' m saying good I' ll go Juan, fancy box Lil, what' s that? I' ll tell you a little bit,
don' t wait. He arrives at the house, he actually came to the house and we started talking about the legal lace and at that time we were able to pull the parastam out with a nine percent cup. Set five
years, a spectacular cup, clear for a very mortgage loan. But when we started the whole process, I was anorth, that is, I was in shock, Sara, because I was saying how it was that Mommy never told me this, how it was that at school I was never told about this, at the university and all these costs and all these clauses and all these things that have to be read. I mean, I only knew the initial at the time, the initial I was very focused on the twenty percent
nine, but I didn' t know all these comics were coming. It ' s called Lippi Ele. This well- natured man comes the book Amen. Yes, the beloved transfer post of three percent that when you calculate three percent based on millions of pesos, is a very strong monster Totalen then,
at that time we said good. Okay, we have the rate, we have to take advantage of the rate, we have the initial, but we ' re going to have to make a greater sacrifice in order to cover all the expenditure issues that isn' t right, it' s not ideal for you to get to that point without you knowing that you' re going to
face it. So, for anyone who wants to eventually take out a real estate following a real loan, as it has helped, a potecario loan, we recommend you to go to Instagram, where we have a guide with all those costs that you should know before taking the step. Then I wanted to be on your case. You' ve already settled that loan. Not yet, but are you paying him? Sure, of course I do, but that mesamenno that call never lacks what quiet I mean, are you paying?
Sames wasn' t a family loan. Forget about that. No. No, no, he can' t. They don' t leave me in a pencil that lapi and they' re gonna charge me. So you have commitment, commitment, commitment that' s not just the loan fee, because we already talked kays exactly. There are more expenses and look that when you have a home, it' s true. It' s me alone I
spent a lot of time outside the house. There are some expenses that are much lower than I have already learned to reduce them, I already learned to handle the cost of light that in a moment was given to me a little and it was already normalized. Or yes, you have to arrive no longer from the south thinks it is cold in the country, then already the low, already low, that is, me living alone. I was almost paying five thousand pesos of light and I wasn' t given the number anywhere.
And but I was your exact house, you weren' t married. Then I' ve been normalized. It' s already in two thousand and I peed that Mommy right now to a party. Of course there are 3, 000 solar days, exactly, not to spend, for grenade, for economics go. Lords Sara Ay and I have thrown out. We studied together at
school. That' s what we met when we were 14. It' s from my group of five friends, like we got together more, we talked more, we got to know each other all our lives, like knowing each other, so Obo must already have a lot of investment Balabaro market, truth, of course, of course, yes, because now I haven' t invested yet. I want to tell you that I' ve met her a lot. I called him, motivated him and filled him with the step of investing. Look. I told you that I invested December, of course
because I want to change my cassero. This year is the love in February. We came back in February, but the first thing a friend of ours did, after she left Kimbert' s office. I tell you, in fact, I' m going to do the motivation where Sara starts, uh - huh, but she reverses, of course I know. I started and started their ticket to South Korea. What you want to be invested in travel. All right, but then it happens to me. But at the same time, I mean, with each one started falling Pa, Pa goes I
said, but they' re all going. I started inverted now yes, of course the mos. There' s five or two of us. The third one has already opened the account. You' re going to invest me, right, obviously and dear Sara, it' s the only one missing. You' re telling me to burn the Indian riojahaja. I' m going to give it, I' m going to make it already promised and
I' m going to put it in goal between February and March. I ' m going to start investing excellent, but you know what happened to me too that I want to start investing, but I want to invest in dollars, but the amount of dollars came out to me that was much lower. The rate is silver smaller in dollars. But why do you want to invest the dollars for your goal, for my mint and because I have bad liquidity
in dollars. Right now. Okay, okay, well, you can really start a diversification for that goal, which is in dollars, which is your vehicle. You can invest it in dollars. Yeah, yeah, it' s shorter. But in the end, I mean, if you invest, for example, in weight and you put dollars in, when you come in six months, eight months, I don' t know what your goal term
is, a from pesos to dollars. You may have a loss in points, so you put in dollar investand you are at the best possible rate, which can be in a mutual, for example, in a stock exchange, and combine it with an open investment fund. So you' re saving up, okay, so you' re going to watch the show, see the sad March workshop, so you know all the instruments. Yeah, that' s pretty good, March 30th. Yeah, fanatically definitely because they' re
talking to me in Chinese. Of course, you have to start by education, to put education on and you have to take the advantage that you have your friend to you may not. I have to tell her Look, I got this money you want It was these bitches. I' ll do it, I say it. Look, it makes him the goal plan. Just look, I don' t need it for six months a year solved so completely, they no longer have me half ok excuses. There' s no
listening. You have to start this year. Now, we were talking before we started recording that the three of us have lived alone in different places, that is, different times, and it still touched him when no one was thinking about it. It was that Imberly, exactly when we were in third or second high school ja, Kimberley lived sun and had many responsibilities that none of us had at the time. Well, there I thought we didn' t even think about it. I remember now vividly Kimberly having an alarm not
to be cut off from the house. Lady who cut off my light several times. I had to call my friends to see where I was going to sleep, because they were cutting off my light. I was already at full - day college, arriving at ten and fifteen o' clock at night at my house. Everything off manager and I don' t know, well, nothing went to my friends' house because I didn' t have anybody else ' s. But yes, I really had to live alone very young.
You know him from the first episodes we recorded, because my parents live in a town in Dominican Republic. So I, after I moved here, started living alone as an old man. Yeah, I really came in at fourteen, but the sixteen already left me one. Then sixteen begins the university seventeen live alone and at that time, although if I was still maintained because I did not work, I had to manage the house, I had to make the purchase. It didn' t exist at the time. Gentlemen, the
online supermarket. For me it' s the best, the more the theme I do the two thousand twenty. Really then, at that moment I had to go to the super, I had to manage the budget they gave me I was given a allowance, although they covered the basic expenses, I was given an sa and that was me. I had to keep it. Yes or yes, that it was just with this allowance that I paid the loan of usurer to help me visit my boyfriend. They remember Madrid also the first
episode without Carita listening. She was like a seven, a crazy, seven weeks, you' ve been crazy about that the first time you left clear, I took a loan with a loan shark. I mean, it wasn ' t a ba, but it was like a usurer. Yeah, that was the second time because I went to remember to conquer him, but nothing. Then it was also love from a distance, but bad I made with a loan on and very badly done, especially because imagine I had to go with a little table that I didn' t save at the time, because
who now didn' t save. No one told me that I, that is one, did not have that habit created. And you didn' t know the instruments either, or anything about no, nothing, nothing, because this wasn' t talked about. You really didn' t talk. But exactly, yes, at least it was a base to live the sun. I say that as you say, like it empowers you, organizes you, gives you order, then responsibility and then I already started with all that it
was up to me to grow up like a little bit faster. And then, that' s why I say that maybe I got married so young too because I was engaged by the age of twenty- one. For example, yes, it is true, yes, at twenty- three he was already married. Then he does go to ninety- four twenty- four and twenty - five already buying the first house. Then there, gentlemen, twenty- five, but it looked thirty- five. You really had to get ahead
of the times in that respect. Yeah, and definitely, when you move in to sara, how you feel about buying, how I move what I decorate. It' s a process, that is, what happened that I didn' t understand the process. The first to understand the step. Then what came the states n uans that I said in passing. So, I ' m not gonna, I' m never gonna be able to complete it in life. Then there' s something I learned, making mistakes, screwing
up good Dominican. Where do you spend more time? Where do you enjoy being at home in that place the most? You should invest the most of your budget in that place, because you' re going to enjoy it, because it' s the space you' re going to spend the most time. I didn' t understand that at first and I bought so many things for the kitchen, inspired by a friend of us who loves to cook, but you don' t want to cook, but I' m gonna pimp
it myself, I mean, you imagine me cooking what you do. It ' s two days cooking with the mega buy, with the mega buy of lord and I invited people to my house and that makes him some dishes and that all and processor and blender and I went to your house the other day and ay how nice it is to be clear. All I mean, I gave too much budget to everything that had to do with the kitchen, when the reality is that you don' t love it or you don' t do it so much that I enjoy it the first month, that is,
I' m happy now. Now I have a lot of time inscribed on a thousand plans to get me lunch and dinner, because I only have two meals a day, I ate it and dinner. And I' m not cooking ay and I' m not using it and I say shelle so many appliances that there are here that I didn' t buy it because of the fever of yes for wanting to do it at that moment. Then nothing. You decided to invest in the kitchen and the other places too, I mean,
it was all at the same time because you had it. But the room lasted a little longer with the living room, I mean, I bought TV. Now it was January, okay, I lasted a lot to enable the room. The secondary room. Right now there' s nothing, because he slowly sends my room. He was still missing a few little things and I ended it up like the closet, like I knew it took time and it was too expensive. I mean, buying a chair, buying a table like it' s a little detail, it' s too expensive. Then
it is true that you fall in love with having your own home. It ' s true that you want to decorate it, but it' s not sustainable either which was wanting to do it in the first month that you move me exactly brutally. It' s not that it' s not possible, it' s not feasible, it' s not factual. I mean, people who have, even if they' re as planned as much as possible, have their savings as they want, you' re doing it little by little, that' s who wants you to sit down with you on the
floor. But of course I' m totally clear. So yes, as well as that discomfort and that there if you visit me and there is nothing here that you have, there is because when you move or get married,
you think about the visit. Ah ok, the little band- aid for the visit, that the visiting bath is not, is as you say the area where you spend the most time, the area that your family or yourself enjoy more than I do enjoy and that although right now I use it when they visit me to set the table, I love the conversations on table, to have the table, pretty, that the table looks detailed, that I know what they thought about you when they invited you, that there is something
special and different. That I enjoy and in that I am happy to invest now the three hundred romantic readers that are there for you to use. I ' m gonna be good. I' m going to put it in twenty encounters my us who moved the same way after that first apartment, we moved again two years ago and it peaked two years and two months, just when they were going to be reborn and we didn' t move. We started
with an interior designer to arrange everything in step. I mean, I knew it was our time, I knew that everything was going by step, that even not the whole project was going to be at the same time. We were developing it for months, but we missed the kitchen. The kitchen for my husband is super important, because he loves cooking, but I don' t care. No, I mean, I don' t know. You saw the photos of Sofia Vergara, the video of her. I can' t cook. I' m not interested in learning, but I want my
kitchen to look nice, exactly good. On bridges I told her that I think she' s pretty, but not now, it' s not the time. So when you move, when we move, we fix the studio, which is the area where we spend the most time, we share a lot in the studio, and then we go step by step with different areas, and now, that is, we' re talking about two thousand twenty - four. I moved in on two thousand twenty- one in December and now that we' re doing the kitchen or now that we' re fixing
him with the designer of that time. Okay, well, everyone went up to be everything totally, but that' s always what I recommend. When you' re like taking things in step, you don' t have to furnish everything one way or another, start with the basics, with what you need essential to your mattress bed. It' s something you' re going to use every day as you say your space, but you don' t want to do it all suddenly, because it' s not factibul and you
have to be prepared when there are unexpected things. I' m going to make it an anecdote that when the municipal rain, that the city collapsed and that was something extremely disastrous, of which the first second hour, the first I still did not live alone, ok, the second here that touched me, alone the world falling and, sir my car, did not drown by a neighbor that by chance, when I came down helped me, but the lights were damaged, that is, in the kitchen, the water fell and
that light was damaged and I signaled something else inside the house and I, but how does this fix who I call what I do between others. My dear mother Lumbrera. At last you told me, sure, cover that kind of thing with plumbers, with technicians, call and you don' t have to pay extra for that kind of thing. That is also to see all the benefits that give you your card or that gives you insurance, you get
car health. Whatever. Yes, yes, yes, you also save money there that you should not read it in the letters, because you carry fast and if you send funan. Yes, there is a good card, there are several, but there is one called woman here in our country and that is very focused on also women who live alone and help you in cases. So for you to hire a plumber or someone you need in the house.
It is for the exchange of rubbers until they are brought with a door, carry, has locksmith and already the most common things of solution, of salon, of sword for aha Yes totally sara and a question you that lived alone in Milan, Europe. Oh, my God, I want to hear, and here too, tell me that contrast. If my mom was sitting once,
I' d have to stop and leave, but very different. It is very expensive, very expensive Milan, in one of the city of macara of Europe, and perhaps without having the order the discipline, that financial education, like that carried weight to euro without you knows how the effort behind it. I think I was very immature in that process because I went with a government scholarship and that scholarship also had support, but that maintenance did not always
come in due time. So if you didn' t go with a cover, I think that' s better. Or to tell the public on YouTube, to write it in the comments to see if it is already or better. Yeah, well, my year was a little strong in that respect. I hope I have improved now, because many of the Dominicans had to live between five and seven people, because in order to survive that for twenty-
three months without the money coming, then nothing. What we could do is get help from our parents so we could continue to pay for life, because life was crazy. I mean, I look. That was in the two thousand seventeen, two thousand eighteen and I paid an income of one thousand four hundred euros that I see now and I say but it was not sustainable. There' s no transport, there' s no food, there' s no life, there' s no water can. There' s a bottle
of water. So, at a very expensive university, where you have to do a project, where you have to make presentations, where everything was also an expense, then I look back and I say hopefully I don' t touch a daughter like we' re looking for a flight. No and what
me or read it to me. I remember. But when you compare living alone and living in your country alone, it' s not the same at all, because it' s because you, when you live outside, especially at that stage of your life, that you were studying that your mom still had you had the mommy ay. You still don' t know what it ' s like to really get rid of a part of your money to cover
your life or get out of the dan years. Aha exactly, i e, if I put it in a perspective the Dominican who can have his space here who doesn' t live in that was a cardboard box, i e my house was a studio and cost that, i e super reduced spaces, not necessarily living in the center of the city, but further away to get a much better day. So living here is Dominican republic, inside the central polygon, where you have access to so much service, where you have your
car. We are really privileged to be under that network of service that the Dominican Republic offers us, or that our work also and to be able to afford it and because living in that way in a country, in Europe, either in Madrid, or in Paris and does in Milan, that would be crazy. We couldn' t, that is, you' d have to be a millionaire to be able to have a lifestyle, a mila lifestyle that we' re not here. Yeah, totally, yeah, super expensive meal.
It is true that the salaries are different, but there is something that is super famous, precisely in Europe, that are the people who earn a thousand euros, a thousand five hundred euros, the Milky and with that they have to pay for their whole life, that is, whether they have children, whether everything and it is a very high cost. Yeah, yeah,
for the income level for the income level totally. So let' s talk about those expenses that you have in your house to land those people that say yes, I want to live alone, but you have no idea and what it' s like to face this. So let' s talk about those expenses that we all have in our home so that people can land and even start projecting a budget of what your life would be like if you moved in, what your life would be like if you moved in. And they'
re a very good question. Yeah, there' s all kinds of expenses. I think it all depends on the lifestyle of everyone and the tastes that are given in your case. For example, there are my social houses, which we have children in my house. I' m saying it with something It' s real. You can say. You can say. We' re not going to put it on and I saw you coming out I' m coming out that I can' t get you. We' re talking
about what you need to live for. Electricity I knew electricity. I told him that in two thousand came to me from this month of two thousand eight hundred, two thousand eight hundred, electricity my cell phone, four thousand eight hundred, four thousand nine hundred, four thousand eight hundred came two five percent. I' m sorry I' m lifting. I pay three thousand eight hundred. Yeah, and I told you, but my vaccine is like an elevator. My cell phone' s not up, but I have two.
I have the fleet and I have the cell phone. So also on that side, the fixed payment of the tower, the poor maintenance, ten thousand five hundred. This is my mom' s loan, my beautiful mother' s loan. Yeah, interest interest so not$ 2, 000 ok. Two thousand dollars. The other expense I have on gas spending in my house, which comes to me extremely cheap. You know, no, no, it doesn' t consist of not cooking g gets me 200 weight, spending
300 cleaning, cleaning. I pay the girl who cleans me a thousand two hundred every time she goes then, usually goes to dobs a week. Medications, they don' t use supermarket drugs. You said it. I' m not on a thousand plans, and my weekly plan costs four thousand six hundred OK. And besides that, you don' t shop for your house. I don' t buy for my house. I don' t like the supermarket, but the milip comes out and I go to when the app. These are essential things. Not water, but I say you can do
the super online. I' m not gonna see you miss everything right now. I have to get to my house to vote for a few things that have already hurt. Yeah, not that wasted money, I mean, good thing it didn' t. You' re not buying because since I' m planning that covers your gas. I don' t find it expensive. She reviews it with four thousand and bill and fills it every fortnight. Ok ok what other expense. It doesn' t put you see things, not
because they' re going to be any other heavy expense. The health insurance, my health insurance eleven thousand pesos a month and international. Well, yeah, all right. It' s an investment, really, and I don ' t get involved. That' s exactly what if you can do is compare, compare to see the benefits of that versus others, see if it has a margin to save you that cost, like it was half or an
exact chingo. That' s a non- negotiable thing, something that hurt me, something that I refuted many times because I said pussy what was so sick. Don' t say that so yes or sorry. That happens to me with the vehicle, with the veil insurance. I' ll pay for that, I say, but come to but what a round business this is, that' s me or a hecito. Thank God, I' ll make him the vehicle. I have the camera and I have to pay. Gentlemen, sixty thousand and a bill of pesos are safe at an annual aha,
but too much. I just paid fifty- five. Too much. Yes, you' re adapted, elevated. It' s elevated. What another expense we could afford. I don' t pay for school, I don' t pay for any of that. Obviously I still don' t pay for the banderia, because there' s mime labo and dry to gym. That' s secondary spending. That' s good, because, for example, in the two thousand and twenty I have to go to the gym. No, but that' s mine in primary, because that card is
there. Yeah, no, but no. He wasn' t a son, but he' s not, but it' s not clear what' s on his face. But my lifestyle is clear to everyone, like, for my lifestyle that' s kind of non- negotiable. Ok ok ok for secondary expenses no. No, no, no, no, hall ok, yeah, I' m going, but part of my job ah ok the gym. I mean the cost. No. No, no, no,
no, no, your secondary expenses are for the home. What other expense do they have in place that it was, in my case, the anas marry me with the house, that is I have in team in the house, that not only the girls, in my case, for example, pets, that is not to buy with me. All that mascot an essential
expense because, of course, your baby that' s the or. I don' t have him on Tana yet well, now they' re taking care of her when, but a mania that greaves, that is, that we' re going to make a versus expenses living in Miami, in Miami, okay, in Miami, well it' s going to depend, I mean, I can say a price of an income versus what I have, because I bought last year. So it' s not a year and a half. Yeah, wow, okay, so okay, my loan fee is
including the maintenance I have to pay. It' s like two thousand six hundred and fifty dollars every month and I have a three- bedroom apartment in ral Ok. Then I have a friend who also live in Doral, also in Bri who pay for a room. The same two thousand six hundred dollars. Then I have a neighbor who' s moving in now because she already
lived with her parents. So he' s going to rent there, too, do a room and get it in two thousand two hundred dollars, so let' s say a room two thousand two hundred, two thousand six hundred, depending clearly if it' s a modern apartment with a gym, it ' s going to be in the two thousand six hundred. My neighbor moved to one that is a third floor, without an elevator a little older, because two thousand two hundred, because it was attached to what she could afford.
I mean, now in Miami, you get something under$ 2, 000. It' s very difficult. What was real and so was that before was not at all. So because, that is, when I moved in the two thousand nineteen before coviding that prices were still more stable. You could get something out of a room a thousand seven hundred and fifty thousand seven hundred, but it' s been a while since you found the one thousand three hundred, unless you go further away, as we' re already talking
about. Pembroak Pans Look at the sea that you' re further away from Downtown Miami. So there' s the rent, over there in Gasolina. I' d say I spend$ 90 a month maximum. So because my car is hybrid, I don' t go to the office every day and it' s not that far away. The maintenance of that building is included in the two thousand and six hundred, but it' s about two hundred and forty dollars a month. Look, a friend of mine gets her, like,$ 800 billion in insurance. Lives in Down take ral in Doral.
Ah, well, in Doral there are some, there are some condos that have costing maintenance. But we, we, when we were looking, were very difficult to get one with maintenance below$ 450, that is, all one loccuenta dollars or up to$ 800. But we told each other. We want maintenance that' s not that high, because that' s what it' s going to do is keep going up. I mean.
I have an acquaintance who lives in Brickle that the maintenance- only maintenance guy, I mean, I' m not talking about loan fees, he pays two thousand dollars, wow, maintenance- only, or he pays you the sumoma loan so he can score exactly and there just the maintenance. He' s not paying the loan fee yet. So, it' s really expensive to live there and well, I said gasoline. Well, the supermarket varies,
but I' d say it depends on what you buy. I buy a lot because my husband eats too much as in a lot of protein, as it is a lot of meat and that is, yes, very expensive cooking, yes, cooked in costa sa grato, but solar out. Sure, it' s a lot more expensive to go out for lunch. Then we don' t. Miami is very expensive. You told me and I don' t believe you because I have a lot to go to a thousand Ama. Don' t see me, but I' m telling you to
visit too. You don' t. I' ve been there several times a year in your last seimas and I' m stuck in New York, the price is crazy. Yeah, restaurants. Eating outside is too expensive, but the supermarket I don' t find so expensive. I mean, like here' s the supermarket, okay, but get out, don' t get out too expensive from the supermarket. I' d say in my house, six hundred dollars a month, telling my husband, they eat a lot of protein, that all that truth. Also then, for example, that
we talked about being expensive. A co- worker of mine the other day, good Valentine' s Day, said like ah in the office they were some little merchandise to sell desserts and I don' t know what, and he said ay I' m going to put that on the team that they brought like five mccarrunch or it' s a little thing and he, like I didn' t ask how much that cost and you' re not going to believe me how much. I' ll put this away. So eat
it. I don' t care that he' s dieting$ 22 for a little box, so five, five, that' s super small, and I' m saying it was, like, to support giving you back that comes back and you know, and okay to him they told$ 22. He' s got it. I have a friend who the other day
was not yet a supermarket. It' s like mabu tick and it' s how I kill knows more prime but it' s already gone and said oh well, let me take advantage of that a grape than a strawberry when it' s in the box, the grapes seven hundred, because no matter how you come back it doesn' t mean he told me like he really told me when she told me the price. I didn' t understand it and as long as he paid, but he kind of didn' t believe it, like I can' t believe that well that costa twenty- two
happened something similar, but by a mistake that I thought was good. Maybe copper number in America is gonna charge you. Then you' re just not gonna forget anything. I made a reservation and you know you have to put the credit card in some places. Oh. Oh, oh, oh, yeah, you know, it' s not five bucks they' re gonna charge you,' cause it used to be like that before you had to charge about five. You haven' t come five bucks yet. There are
no times when they charge you. That' s half new. There' s a new place that just opened up in Miami and that' s super popular right now and he made a reservation for three people and those reservations, if you were going to cancel us, were twenty- five dollars a head, seventy- five, seventy- five five dollars on my beautiful card because I didn' t speak to him adding those seventy- five dollars because we
didn' t go for the race. No, not us, not parts that act until suddenly, we are Happara in Japan, in the episode of Japan they can hear it that we kind of didn' t understand well, because the truth is that it is a totally different country. Then nothing is understood, nothing is clear and no one knows English. The episode was taken
from my friend Mabelin. It wasn' t, then, nothing. We made an online reservation and said that nothing like it wasn' t saying penalty or anything to the wanted serva and we got to the place if we realized it wasn' t what we wanted, it wasn' t what we had hired and we saw the prices and sir were like two hundred how much the truth was, the hundred dollars per people plus homer people minimum mini mini minimum
for a bad raw meal. It was like the fish got him out of seeing finished just as he seems to see, but his side, that is, you sat him down and food and it wasn' t that we didn ' t want to, I didn' t want that at the time we were debating to go and then we opened the app and we saw somewhere there was a little electric that said that if you canceled the same day you were charged the same, two hundred dollars per person, because the chef was for
us, that' s the one hundred dollars per head bigger, more, more, because it was minimal and to top it, that is, that ' s not the worst, because you say good. I' m already in trouble, I' m in a restaurant that' s super top I don' t know how good. Bad food already, so I was throwing the food in a napkin. No, and I don' t care about that and no husband, my husband stuck his piece of fish in and he chewed it like that and he didn' t look at it, so I
' m gonna tell you something, my husband. I eat, I mean, everything here about something and grab Gabry' s plate, grab your plate and take my plate and eat it like everybody else and I didn' t want to eat that I kind of put it on him and he kind of didn' t put that on me because it' s not pera pol what they eat of everything. He didn' t eat it either. I mean, that' s the other one. Manny people also spend work living alone because they don' t eat anything and it' s all like listening.
Yeah, yeah, well, we' ve come to the end of the episode gave. We have here spoken of the whole truth. I think it ' s a with all this has everyone' s pin teaching and we don ' t even talk about the trip we made together. Hey, yeah, this has been the cheapest trip of my life. Yes, of my life too I saw you seven country the same Tevo or six countries met at the same time. Doesn' t look like a five- six- day. That was mens yes, let' s go to another episode, that other
episode of that guest also to the Agency' s there victory. Yeah, yeah, yeah. Well, Sara, you know you have to come back to talk about that trip. Thank you for giving us your experience of this new step in your life of moving alone. Good thing you' re already doing it organized this year, like you said you' re going to take order and also that you' re going to start investing. You already made the engagement in your audience and I' m going to upload the photo when
you make an investment. I think in the comments he' s guiding like he' s going, he' s investing, he' s teaching the interests. So, really, thank you so much for coming You' re very dear to us and to you. I know that this, this episode, brought them a lot. If you are about to take the step of moving alone or if you have a friend, a relative who is in that process, then share this episode. Don' t just stay with him. I' ll see you next time.