How To Be Extremely Frugal
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- เผยแพร่เมื่อ 24 พ.ย. 2024
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How To Be Extremely Frugal / Frugal living is all about making smart choices with your money and focusing on what truly matters. In today’s world, many people feel overwhelmed by debt and the pressure to constantly buy more.
In this video, I share how someone can go from constantly overspending and feeling trapped by debt to gaining complete control of their finances through frugality. Honestly, it might be easier than you think, but it does require certain habits and a new mindset - things that many of us lack in our consumer-focused world.
I’ll share 10 powerful steps or habits that have helped me on my journey to frugal living. These habits won’t focus on small things like saving pennies, but instead on bigger actions that can make a real difference and help you save thousands in the long term.
It’s important to remember that everyone’s frugal journey will look different. Some people stop buying certain things altogether, while others focus on financial minimalism and cutting back on non-essential items. The key is to simplify your life in a way that works for you.
By adopting a frugal mindset and learning how to save money on a low income, you can take control of your personal finances, live a more intentional life, and stop worrying about money. So, if you’re ready to start your journey toward financial freedom, these 10 habits will guide you on the right path.
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What’s one frugal tip you swear by that others might find surprising? 😏
One out one in. Instead of one in one out ❤
You can buy a new bicycle every single month for the monthly *cost* of your car. (If it is a fancy car you'll get a fancy bike, if it is a very modest car, you can buy a modest bike.) It tells something about how much people spend on cars. Others are really surprised when I tell them this in short version!
One can also look at how much some extra space in your home costs, f ex do you have a guest room? How many hours do you have to work to keep a guest room? How much does a decent B&B cost in your area, where your guest could stay over night in stead, on your expence?
"If you want, Marabou fudge and sea salt chocolate, then buy that and not something else!"
It can save you more money by just getting that freaking item you are thinking of, instead of trying to talk yourself out of it or find a substitute. I get more enjoyment out of drinking one glass of my favorite expensive tropical juice, then buying a bad cheap juice no one wants to drink. The small stuff adds up. Sometimes even faster then the expensive ones.
Traveling from Sweden to Asia is less expensive than traveling from Helsinki. It's also fun to take a day as a tourist in your hometown or take a bus trip to a nearby city and get to know it. You don't have to travel halfway across the world to see things.
No social media (except YT) and a flip phone
if you always wanted to travel, do it soon or you will regret it when you get older. i am frugal on all aspects of life but am willing to spend on travel experiences.
Can’t you travel when you older lol
I think the same. Travel will be an amazing memory. Otherwise what is the point of living and earning
If you take care of your body you can be healthy and able up to 70 years old. Health is everything
It’s up to each person to decide if they’d rather spend money to travel as a young person or as an old person. Each person has their own set of priorities in conjunction with opportunities and limits. I love traveling young.
@@mstash164I'm 58 and have been suffering with chronic pain in my right leg and foot caused by a bulging disc in my back. I'm at the point where I find it very hard to enjoy walking anywhere.
You never know what time is going to do to your body!
I don't smoke, drink, or take drugs!
I'm frugal and happy! I was In The Navy so I've traveled around the world for free. I don't own a car or TV. It's a peaceful quiet life and I love it. No drama or chaos. Blessings 😊
Love that 😊🌿
Use it up, wear it out, make it do, do without.
Love that 🙌🙌
Nice qoute
I heard this as a child…so true.
I say that at the end of my videos 😊
Statement from @Jerryrigeverything's mom..😊
I sold my car a year ago and bought an electric bicycle with a big box in the front of the bicycle where u can pack stuff etc. Most of my trips are short and took alot of mental stress away aswell to sell the car. Im in Sweden tho with a very good bicycle roads and good local trafic :)
That's amazing! 🙌🏼 Is it fairly cheap to maintain and charge an e-bike?
@@SunnyKindJourney yeah it's almost free, I've been charging it at work alot aswell for extra cheapness but even if you just charge at home its barely a noticeable cost
@@toothpaste_tm7323 True! To make electricty even cheaper we bought shares in windpower. Keep it up, Toothpaste!! Kudos to you! We still use electricity mindfully, because all forms of consumption have their negative aspects.
@@SunnyKindJourneyre "cheap?". Per kilometer, bicycles and e-scooters use less energy than your metabolism would use walking ovet that time, it's a great idea as long as it's 1) safe and 2) you have another form of exercise
@@SrdjanRosic for sure, but more as a complement to having a car rather than a form of excersise :) ofc it's also important to do some escerise in your life for well being 😊
I am in the states, and for years I thought buying a home by 30 was a goal. That didn't happen, but what did happen is that as I have gotten older and met and work alongside homeowners, the rose tint on the glasses started coming off. I heard of people using PTO just to do yardwork or spend hundreds of dollars to buy blinds or spending evenings after work at Home Depot. None of it really appealed to me. Now, I want a small (1200 sqft) low maintenance home with a small yard. I learned that my time and money matters more to me than the status of the "home(problem)owner" title.
That's a great story and gives good perspective for my own plans. I'd like to have my own place at some point but definitely need to be ready for everything that comes with it before making any decisions. Thanks for sharing 🌿
@@quaithom3138You are deluding yourself. You own NOTHING. Do you pay property taxes? Of course you do. Which means you will be RENTING your home from the government for the rest of your life. Try not paying the taxes. The government will come and TAKE your home away from you. Resist them and they will send men with GUNS to MURDER you.
You don’t “own” the roof over your head. You’ve been conned.
100% agree. I've owned my home for 31 years now, and I can't begin to tell you how many tens of thousands of dollars have gone into upkeep for roof, windows, furnace, water heater, etc., not to mention when appliances break, plus property tax increases, insurance, and the day-to-day costs of maintaining a home ... and my home is just 1185 square feet. And, like you say, so much time spent working on maintenance. Plus literally tens of thousands of dollars -- really hundreds of thousands over 30 years -- in interest paid to a mortgage company. And if you want to move, it's SO much harder when you own your home than when you rent. As for rental money going to a landlord, your loan money pays interest that supports banks and construction companies. The whole "American dream" BS about owning a home is just that -- BS. The amount of peace of mind that comes from knowing ALL problems are someone ELSE'S is totally worth it. So much less stress. I'm always telling my (adult) kids to rent as long as they can. (Now, if you have kids and want to settle in a school system, maybe that's a different thing ... but otherwise, rent all the way!)
As a home owner I will definitely say it can feel like another job. If you haven't read Ramit Sethi, you might want to as he prefers renting and talks about other methods to build wealth.
Renting here in the U.K. is hell. Until my forties I lived in horrendous flats, black with damp, falling to pieces, and sometimes dangerous. In one flat, urine from the flat of the heroin addict upstairs trickled down my walls. And flats, even like this, are expensive and hard to get.
Now I live in a beautiful little bungalow with my own garden. I’m safe and happy. The mortgage isn’t much more than the rent I used to pay.
The buying/renting question depends where you live.
Actually, keto and intermittent fasting have not only saved my health but my money as well.. I consider this life style being frugal friendly💪
SIBO?
I liked IF because of its simplicity. I quit years ago though. I did recently quit sugar again and I'm realize how much money it's saving because I'm not browsing the deserts at the grocery store and I'm certainly not going out to crumble cookies or for donuts or whatever.
If you do Intermittent fasting on regular diet is staving but if you do it on carnivore/keto, you are being healthy and thriving.
@@lilylo7786not necessarily
Okay i see IF but keto? The reason I never stuck to the low carb diet for more than a few days (besides the fact I felt like crap) was because of how expensive it was. Meat and vegetables are the most expensive items in the grocery store. I slashed my grocery bill in half when I went vegan. Beans are WAY more affordable than meat.
Note that I never buy that fake vegan meat garbage. That isn’t food. It’s disgusting.
Do not compare yourself to others.
Set a goal. More importantly work on all the steps and milestones you can think of to achieving that goal. If the steps are big, break those up with even smaller steps.
Set a budget and measure your results at set intervals.
Forgive yourself. Remember you’re still human and small set backs will occur. Be flexible and pivot or adapt as situations change, always mindful of the end goal.
Say what you’re going to do and do what you say.
Well put! 🙌
14 years ago we made the "big move", selling a larger home with property in the country and buying something smaller on a smaller piece of land, in town. We didn't know it at the time, but it was such a good thing because over the past few years, we've both had health issues that would have made caring for that other property a nightmare. So it wasn't just the money that was a change, but also the maintenance.
Totally, the maintenance part can be so taxing both financially and health-wise. I am glad you made the right decision!
My parrents did the opposite in 2008/09. Having lived in the middle of nowhere for many years without a driver's license wasn't fun. Happy i can choose "correctly" now that i bought my own place. No need for a car is great.
I been a spender and a saver through out my life. Don’t be frugal to die and only to see zero’s in your bank account, but balance yourself in life . Speaking as a financial analyst who see’s lots of money that goes to the government when there’s no beneficiaries with people who are frugal.
100%, well put! 🙌
This year I’ve been making an effort to live more frugally and one of the things I did is to get rid of my car. Even though I am paying couple hundred more in rent to live in downtown I am saving thousands not having a car, so is worth it. Also now that I don’t have to commute I live a more stress free live, the commute here in the us in the city I am was crazy. I am finding so much perks in living a frugal life and definitely also feels good to be able to help the environment and my saving account at the same time 🥰
That's great! 🌿
I needed you in my life decades ago Seve. You have thought me to view stuff now in terms of time! How much time have I spent in work to buy this stuff? I look around my home now and I am overwhelmed about the time I have wasted working to attain it! I don’t even remember buying most of it. I don’t use any of it! Better late than never! Thank you Seve!
Exactly, better late than never. This is I guess one of the good things about social media, you can share tips to so many more people and much easier than ever before. Thanks for watching! 😊
I'm definitley the type of person who was already half way into this lifestyle. I live in a studio flat "small space." I'm single and 29 years old, I drive a 2019 Chevy Spark "small car" it's completely paid off. I have decluttered and gotten rid of everything I didn't need. I only spend 15% of my earnings a month. I also have 3 part time side hustles that replaced my full time job. I have more free time than ever. My next step is to literally clean out my colest and bathroom drawers and my space will be complete. next I would like to wear the same clothes every day.
Wonderful! 👏
Hi, it's Joshua from the future! I completely decluttered, and I wear the same thing every day now. It's made the biggest difference. Maintaining a "look" took up much more space in my brain than I thought.
I think one very important point is setting a goal for being frugal to begin with. It can be easier if you have a set goal in mind (even if it’s decades away) than just saving for saving’s sake.
Very true! 🌱
True, but difficult to keep raising the bar. I have now achieved most of my goals and now… I don’t know what to save for. So it becomes meh.
@@JaNouWatIkVind Oh dear, that must be awwwwwful.........
@@pburke5274 🤣 yeah first world problems. But the situation does allow me to take a job I love at a lower salary, biking distance from my house. So thank you 😉 for your sympathy, but I'll be ok.
I’m amazed how much expensive clothing in thrift/charity shops just needs a small repair, button sewn on, or careful hand washing to get it really clean and remove the effects of cheap detergents. Worth using a specialist product for wool and silk.
Or maybe the fur trim on the hood or hood drawstring is missing, not a big deal. The latter is cheap to replace with a long shoe lace.
Do this and it’s possible to own superior clothing for not much money, and it gets re used.
My family taught me how to sew and I’m grateful, but no doubt there are TH-cam tutorials teaching the basics.
What a great video and such a lovely presence you have!
Here's my take on being frugal:
I don't smoke or drink. I like drinking water and never sodas or energy drinks. instead of buying water in bottles, I filter my tap water.
I like eating the same dish two days in a row. I like making big portions of food and freeze in portion sizes for later use. Despite inflation I make it work, because I always look for sales and making your own food saves you quite a bit of money.
I cut my own hair - I learned from TH-cam videos.
I don't spend money on all that expensive skincare - I use natural oils mixed with non perfumed lotion. I make my own body scrubs. Also going to the sauna is a great way to get a beautiful teint and plump up you skin - I'm 51, and people tell me i look 10-15 years younger, so I guess expensive skinecare isn't necessary..
I never upgrade any electronics - I use it till it doesn't work anymore.
I don't have my entire home lit up at night - just the room I'm in - also string lights or LED lights on battery.
I like a clasisc style wardrobe, so a lot of my clothes, shoes, handbags, accessories I've had for many years. I've never had much money, so I just learned from my mom how to be frugal. It keeps evolving and it's kind of like a sport for me how to save more and figure out what I can live without or don't need at all😅 It's a journey and not something that happens over night. Love from Denmark
Thank you! And that's a great amount of money saved with those habits of yours 😉
I live very minimally and cheap, all because the lower my monthly bills, the less hours I have to work to sustain it and the more time I have with my closest
That's a good mindset, I think the same 😊
I especially like the mention of doing things yourself. I am a 62yo single woman with osteoporosis who cleans my own roof, gutters, cuts down many trees and cuts them up , paint inside and outside my house, all yard work, housework, etc, while still working seasonally. I have been told by some people that many men wouldn’t do what I do. I hang up my laundry to dry rather than using the dryer unless it rains, run my dishwasher and laundry machine on weekends, use water from my shower to and a whole host of other things to save money. I very rarely eat out. There is an online budget through Dave Ramsay that is much like what you showed and like I have started keeping since age 16 as I had a car note, insurance, gasoline, etc. Frugality brings peace of mind and freedom.
Is the budget online free?
@ yes, “Every Penny Counts”
Even if you become extremely frugal in the US, you still have a better life than A LOT of people people around the world, specially like Nicaragua, central America, where I'm from originally. Trust me.
It depends on the situation you have in those countries; I am from Mexico and though I am middle class in the US, my family in Mexico live better than I do. They are professionals who own their homes/cars and have very little to no debt. They travel frequently within Mexico, Europe and South America. The generalization that everyone in Latin America lives poorly is very widespread in the US.
Move then.
@@smileandsaycheese44 this is such an insensitive comment. There are a lot of factors that can make moving really difficult and even when everything goes according to plan you usually leave your family behind and spend at least half of your holidays visiting them instead of travelling to different places
With the high taxes, medical, food and home/ car expenses here in the US, I have definitely stopped buying useless sh*t. I only buy food and very few basic necessities. My goal is to have a homestead.
What a beautiful goal, and I'm sure you will accomplish it 🍀
I wish you the best.
@@camillaholst7321 Thank you so much Camilla 😊
@@camillaholst7321 Thank you 😊
That's a great goal! I think being mindful of our spending is so important for this generation. Thanks for listening 😊🏡
I have a small garden, 200 square meter, but this year we bought three chickens and made some vegetable plots, there's something deeply wholesome to look at an egg and know which of your chickens produced it...
My first time watching a Finnish content creator! So cool!
Happy I was your first 😂
Moro ☺️ I have my own electric scooter with a maintenance agreement. My job is located about 60 kilometers way from my home. I use my scooter to go to railway station, the fold my scooter up and travel in train. When i reach my workcity I scoot to work. If there is any kind of trouble with my scooter i can switch it to another one. Stressfree and fun. Now 706 kilometers (with helmet) starting from spring to now and this maintenance agreement costs 14,95 € per month. I'm that generation that it is standard to own a car, but I'm happy to choose otherwise ☺️! Thank you for your channel, I just love it and I live in Tampere too 😊
That's just great! 🙌 Do you get it from your work or just from some company? I could be interested in something like this too! 😊
@@SunnyKindJourney this is a company (is it allowed to advertise here a bit?) Augment Eco, first i had a 2 years leasing agreement, now I own my scooter and pay only for maintenance. I think I have had like 5 different scooters within 4 years. If there is any kind of trouble they send me a new or well fixed one
@@sarihautamaki8735 Oh yeah, I have heard about them actually! Thanks for sharing your positive experience with them :)
I bought a small car, the least expensive on the lot, brand new. Yes I had a loan, but I plan on keeping it until I retire from work. It will have been worth it in my opinion.
Yeah, many times if we are really intentional and do our research we make good decisions 👏
Keep up with regular maintenance, and it will last a long time. I bought mine brand new and, 12 years later, I still drive the same car. Yes, I went into debt for it, but I paid it off years ago. Nowadays used car prices are much closer to new, often to the point of needing to take out a personal loan anyway, so the old adage of always buying used is no longer, necessarily, the soundest advice.
I quit my job in the big city because the expenses were too high. I'm 30 and still live with my parents. I save so much. Luckily, I found a job where we live, and my salary is doubled. It enabled me to buy a car because the public transportation in the country where I live is so bad and having a car helps me save time. I really love it here, the vibe is serene and no stress at all. It really helps my mental health, plus I get to eat homecooked and quality food at a cheaper price. While many young adults move to the big cities for better opportunities, I took the road less travelled.
Hey, I'm 27 and live back with my father again too! I feel very much judged by others (if I'm not only judging myself 🤔) But I'm getting out of student debt FAST 🙏🏻 We are very lucky!
My kids live with me, after their father died I need help. It’s a win-win for all of us!
@@paulavanunen dont take the judgement from others personally, if you and your family makes the living beneficial to each other, thats fine 🙂 In some countries its actually encouraged to stay with the family and live at one place together
Hey,
I’ve been debt free for 2 years and I’ve managed to save a little. I do think I could be a bit more careful or at least more mindful when it comes to spending…I say this as frugality maybe a little extreme for now but I’ll work on this. Thank you for sharing 😊
This year we've moved back to an apartment, after renting a house for a couple of years. Not only is it less stressful, less work, less cleaning, and a MUCH smaller rent, but a smaller place also means being more intentional and paying more attention to what you want to buy.
Even though a rent in a big city might be higher, it gives you the possibility to ditch a car, as you can easily rely on public transport or bike lanes.
Furthermore, it's much easier to have a smaller footprint in a bigger city, especially when you have everything you need in proximity. Social housing is a great concept that's starting to see some light again in Europe.
That's true as well! 🙌
My ma always said about big houses that you have to fill them up with people. One should not have a bigger home than one need.
When you consider opportunity cost (what your home equity could earn), upkeep, and value of your time, home ownership becomes expensive.
The quote 'we buy things we don't need...' is from Fight Club. That movie/book, especially when Tyler Durden says 'the things you own end up owning you' is what made me become a minimalist. Agree with everything, great video! :)
Love that! 🙌
Living frugal makes house clean and clear, no leftovers food in pantry refrigerator no moldy stuffs around the house, that all cause unhealthy living.
True! 🙌
You raise some quite profound issues around modern lifestyles. I wish I had been more financially disciplined in the past. I could be retired and free of many financial concerns now. Sound advice Seve.
Thank you 🙌
I have been cutting out some groceries, cleaning out a few things. Your videos are awesome
Awesome! Thank you! 😊
I am sure many will find your advice helpful.
"Waste not...want not" is something I remember my Grand saying. I've tried to emlate that.
That's good piece of advice! 😊
I live in a small one bedroom apartment about 20 mins from the city. It costs a small amount more than if I lived further out but the location is so close to the local shops, I walk there (3 min walk). And it's 5 mins walk to the train station. I got rid of my car and don't miss the expense of it. If I need to I can Uber when needed and it's still cheaper. I use my bicycle too. Also keeping my home warm in winter is very low cost because the space is small. I live as a minimalist and the small space is cute and perfect. I'm saving a lot of money because of the size of my home and the proximity to shops and public transport. I can earn less as a result and have a less stressful job. I love it. I would have done this sooner if I'd realised I could give up my car without missing it and save money overall. I also don't connect Internet to my home, I use my mobile phone hotspot. So I save money there. I have lots of things I do to cut right back on expenses.
That's smart! Truly simplifying life 🙌
Healthcare for my family alone is like $2,000 a month. The U.S. is insane. Figuring out how I can cut back without putting my family in a terrible financial situation if someone gets sick. My baby was hospitalized a couple of months ago. How much did it cost? $397K and insurance paid all but $2K. Wild.
Whaaaaat? That's the amount some people make in their whole career 😯 I mean I do know a thing or two about how differently things work in the US with insurances and stuff compared to Europe but how can they expect anyone to have 400k to spend in a couple of months? What way of doing business is that? I guess they don't expect and just know insurance companies will pay basically whatever?
Many bloodsuckers in the health care business. $400K is so much money that it almost give one a heart attack.
What would have happened to your baby if you did not have insurance?
Omg here in England it’s free!! That’s an absolute disgrace that you have to pay that!!!!
Children's health care is free here in Ireland too. Yes we pay taxes but even if adult gets a hospital bill here, it's hundreds of euro at the most.
Appreciate your positive style! 😀 7:40 I've been being too frugal about buying a dishwasher for YEARS now. 🤪 I finally realized that given how I often I eat out it would quickly save me money AND improve my health by making me more likely to eat at home, but I *still* have a mental block about it because they're expensive and I know I want to move. Time to do some math about how likely I am to *actually* move in the next X months vs. the benefits I'd gain from having it! Thanks for the video! 😃❤ 🥗🍳🍵
Yeah, really good that you have the awareness now and can run the numbers! 😉
I have a nice savings. I don't spend much money have been using a budget for 20 years. You must write down what you are spending your money on then you will do much better
In this world we need such videos and such people
Thank you :)
As a typical consumer driven American who felt like I had to have everything I ever even thought about for 50 years, my last ten years have been the opposite. It's an adjustment first of all. Can't deny that. But I've crafted a life no longer depending on that quick adrenaline burst that fades so quickly. The big thing with any addiction and consumerism is an addiction, is finding somethings to replace that high! For me it's physical fitness and development of personal skills. The benefits are so much greater and more fulfilling. Money wasn't really the objective or problem to begin with but the financial savings have been staggering. Amazing to say the least. Just a better life. Win win!!
That’s incredible! 👏 Yeah the benefits are so much deeper. It really is a win-win!
Love your channel! I'm lucky that I've always been naturally frugal, but I think most people find it difficult to restrain themselves (for many reasons).
Thank you! :)
I'm 76 year old male. I live frugally. I now have a large cushion of cash reserves. That gives me a great sense of security. I spend 2 months in Thailand each year...when frugality stops feeling like a sacrifice you are home free
I like your videos Seve and the entire community here. Feels a bit like chosen family.
I appreciate that ❤️❤️
I moved to italy temporarily, got a dyson vacuum second hand, used it for a year and then resold it for almost what I paid for it. second hand is amazing lol
It was basically a free vacuum cleaner haha 😄
I did that with a car for 4 years. 😀
We also did it with a car😂
Highly recommend tracking your finances by pen/paper at least for a period - you'll learn more about yourself than just your $.
. i don't look at it as sacrifice . it is fun ! like a game and an goal . and i love spending money on restaurants . but i am 78 years old so feel that i deserve it .
My new company provides free meals coupons.
I shamelessly pack for home.
I have coworkers who share their coupons with me in case they order take out.
The food wallet is not carry over, so most folks have balance left. I ask them if they can get a sandwich 🥪 packed for me at end of day
I don't have the skills to cook a meal, I can make coffee toast and eggs , ramen etc but not a full meal
My depression makes me often dysfunctional so prep and cleaning after takes a lot of time.
a full meal helps me a lot and eating eggs ramen or pasta doesn't fulfill me mentally
This has helped me a lot and I don't feel hollow
I invested in Tupperware and tiffin boxes.
I don't care I get judged and thankfully my colleagues understand
Biggest thing in my house is the refrigerator
No more ordering take out
On my birthday team asked for what I wanted and I asked them for a steel French press and high end electric kettle that will last forever , I invested in a good quality travel mug I don't use my food wallet for coffee at work
I have begun to save money and feel good.
I now have time for exercise and keeping House tidy
I'm an admitted ship ahold c and this was helpful. I'm going on a spending freeze and revaluating my expenses this month.
Glad to hear it was helpful for you :)
This is great Seve-your own story, and what you're saying has helped me, today I'm starting w/ paper & pen. You are helping me, with added hope and staying with it, thank you!
Thanks for sharing this, I'm happy I can help you :)
Awesome awesome awesome message. Really appreciate your wisdom and insight. Too much junk in our lives. We use only bikes for our business and leaving our commercial vehicles parked saves us over almost $2k per month and we ride with smiles our faces! 😂
Right on! 🚲🚲🚲
Thank you as always, and again, Seve - I really enjoy your tips and reminders!
Thanks for watching! 😊
I feel way more confident after this!
So happy to hear that :)
I am a full time college student and also not from the US, I want to live more frugal so I can feel secure for the future and not worry about my expenses
That's a great mindset 😊
Same guy after 10 years. I wish I had bought this bought that enjoyed life
Sharing food with partner... saves money and also healthier!
So true! 😊
Arigatou for sharing your advices. I see a beautiful soul out there!
Thank you for listening! 😊
I was in Tampere. In the winter it was more cosy and with a lot of young people who shared with me their room and bier :) Not sure if Tampere cheapier than Helsinki.
That's great! I like this city a lot 😊
I lost husband at the beginning of the pandemic. I couldn’t afford our home by myself and couldn’t rent it out because of the government allowing people to not pay rent. So I had to sell. I bought a van, put solar on the roof and moved in to it to slow down the money drip as much as possible. After 4 years of not paying rent or mortgage or campground fees, I bought a big beautiful piece of land. I put a shed on it for storage. My only bills are cellphone, gas, groceries,propane. Land taxes and car insurance are once a year. I put gutters on the shed for water. I haven’t been to a beauty shop since my husband passed. I have been in a restaurant twice since the pandemic for obligatory reasons. The only place that I could cut more spending is on my pets because I cook for them. But I’m ok with that. My monthly expenses are about $600.
With all these balanced choices you can keep your very beautiful smile! Love and Peace dear!
❤️❤️
Great video! You just seem so genuine. Earned another subscriber here.
I appreciate that! 😊😊
My problem is. Picking up. Old items on Curbside
I gave up my car & never regretted it. I live downtown & we have a private shuttle
My biggest money savers
1. Build a set wardrobe. Only own the specific items on your list, and no more.
2. Stop buying liquids. Most liquids are expensive and unhealthy. Simply sticking to water and coffee is difficult at first but quickly becomes the baseline.
3. Stop buying paper products. A cheap bidet attachment and some decent towels can save hundreds each year. Plus, it's just more luxurious.
4. Minimize transportation costs. We spend a shocking amount on cars, gas, insurance, maintenance, parking, Ubers, etc. you may be better off spending a lot more to live in an area where you don't need to own a vehicle, or saving up for a nice electric bike for easy commuting.
5. Buy food in bulk, but only on sale. I quartered my monthly food bill by learning about my local store's discounting system.
6. Live in a smaller home than you are comfortable with. I moved from a 2br to a studio and thought it would be awful, but it ended up being great, and saved me a ton.
7. Stop upgrading. We trick ourselves into thinking we need better things, when what we have functions perfectly.
8. Avoid eating out like the plague.
9. Learn to do your own repairs and maintenance.
10. Learn to cut your own hair. It's surprisingly easy, and you save a ton.
Spending money is my favorite hobby. Idk how yall do it. I collect everything and jump from hobby to hobby like a ocd/adhd person
Thank you for sharing. I needed to hear this.❤
Glad it was helpful! 😊
Be frugal. But also enjoy life too.
That's the plan! 😉
Thank u for the template
Hope it will help you! 😊
So glad to find your channel. Yku are amazing, great video. I subscribed
Thank you so much! 😊
financial freedom is a conservatorship.
You are saying it with literally many stuff i dont posses behind your back (i miss plants)
Hi Seve. One thing people don't necessarily think about, If you are leaving one continent to another, one has to consider the costs of Visas, Citizenship and (Tests), tourist visa, work visa.
(For instance - Paris) I followed people who left North America and went to France. Paris, in fact. They first had to apply for a Visa, then apply for citizenship, find a place to live, now pay rent, (but before you can do that you need a bank account.) Do you know how difficult it is to get a bank account in Paris ?? DIFFICULT !!
Then the parents sold everything they had, got on a plane and went to Paris to strike it rich. They Did NOT. And ended up moving to Portugal instead. Finding a place to live was a HUGE drama that I would not recommend to anyone. Oh My Goodness it was a thing that makes nightmares !!
People think a lateral move to Europe will be easy, and they do not think about the challenges and the costs to do that. There are many expenses and things one needs to line up first, before they can even set foot in the country they are planning to move to. Are you moving a whole house of stuff/a car/pets/do you have children/Etc...
Coming in this direction - to Canada, (Montreal) where I live, do you need a visa from where you are coming from, what are your skills, are you bilingual, (Bilingualism can be a huge impediment) do you need to live in a Big City (Vancouver/Toronto ??) Montreal is not as expensive as Toronto, but it is pricey, depending on where you want to live, AND what you want to live in. Are you coming for school? Are you coming to work ?? Do you have a family, will you need daycare ?? (Montreal daycare is a nightmare) Finding a family doctor is damned near impossible (We've been on a family doctor waiting list for over a year), although twenty odd years later, I have my specialists. But not a family doctor ...
Oh, and do you need medical (Are you Diabetic, HIV+, have other medical needs that must be met) Do you need medication ? Healthcare, (Montreal) You have to find a doctor, Good Luck. I was lucky, I did my research, and had that all lined up when I moved here. You'll need citizenship, or landed immigrant. You'll need to apply for a health care care. You will need to find a doctor to prescribe your mediation, then a local pharmacy to fill them. Whatever health insurance (Ram Q) does not cover, you pay out of pocket. Private Insurance is another ball of wax. And if you have to pay for medication out of pocket, that can really derail whatever your plans are.
It costs money, sometimes LOTS of money to move abroad from one side of the ocean or the other, depending on which direction you are traveling. Are you really going to save money on the move, knowing that before you even get on a plane or a train, there are expenses you have to consider first, before you attain a Key to a Place !!
Food for thought !! -
Really important points! Moving abroad is definitely more complex than people realize, especially when it comes to visas, banking, and healthcare. I hope anyone considering a similar move will do their research first or read this comment. Thanks for sharing! 🌿
Aha thanks for the video... Canadian living in Finland, recognized the accent immediately.
Haha amazing! 😄
someone else in Finland also living with below 1000€? Based. My pay is over 2000€ a month, and I have been told that it's barely nothing. That's to me seems absurd considering I don't even need half of that to live. Over 1000€ a month to spend on free time is SO MUCH MONEY, it's ridiculous. I do put 30% to investments but even then I can easily cover all my hobbies and free time spending.
Yeah I always wonder where all the money goes when people here say they don't get enough 😄
When I see something I like in a shop, and I would like to buy it because I like it, I first try to figure where I would put it at home. Where could I place it? I try to imagine in detail muself getting home and putting the thing where it should go (be it in a cabinet, or on a piece of furniture, or inside and already well-packed wardrobe)...In most cases I realize it would just be yet another thing that will clutter my home, and I don't buy it. It's a good exercise.
Thanks I understand this so much I have all I need.
Glad it was helpful! 🙌
I only had one short for summer. I’m hardcore.
Yes I should calculate the washer dryer cost for this.
I think it's very difficult to pin point one thing when being frugal. It takes a whole lifestyle overhaul to make it work.
Simple things like packing your own food and coffee at home, not just for work but for trips as well. We took packed lunches to the airport with us so we didn't need to buy food at the airport or in the plane.
Eating out is always the budget buster. That is something you also need to do, you NEED a budget, need to know where every penny goes!
Most importantly I think you need to have a WHY. If you don't have a defined reason for doing it, it's easy to start spending again.
“The richest person in the world is not the one who has the most but the one who needs the least.”
I agree with the car . Its the biggest burden every year. However i partially disagree with travel . We only live once and we aren’t young forever . I would still park some money to travel with family while we still can do loads of physical activities. At least you have the memory and experience with you before you leave the world. 🤗
100%. That's actually one of the few things I am investing in myself 😊 However, it's important to stay intentional with that as well. I can probably have 3-4 trips inside Europe with the same money I can have one trip to the US. So not overspend on expensive trips either unless you of course value that one trip more than the others combined.
I always think that when I am dying; I won't think that I'm so glad to still have money in the bank. I will think about the beautiful holidays that I had with my kids and later, with just my husband. Money well spent.....
We are lucky in Europe , to have so many countries to visit, with cheap airlines
You're right. I've worked with so many people who waited until the kids were grown and the house was paid off to travel. Then, when that time came, they were too ill to go anywhere. That's why I travelled internationally for years until I bought my house. Then the world came to a standstill. And air travel was forever changed.
I have positive experience so far buying phones and laptops refurbished, half the price but generally more than half the expected lifetime of new... my phone is 7 years old, I only load the battery to 90 percent and reload from 10 percent, it seems that can double the lifespan of the battery... I own a Smart 4four and negotiated rather well on it... appliances I tend to buy the cheapest from the brand Miele, not always the most user friendly, not always the best for consumption, but they tend to last a long time and with less functionality comes fewer points of failure...
Interesting takes.
I want to live with more intention and this helps to set some goals
Edit: there are professional second hand electronic shops that have warranty. I‘ve been buying used iphones since 2018 and was always satisfied:)
Thanks for watching! 🌿😊
Great video!!
Thanks! 👏
Thank you 😊
this all depends where you live, in Canada does not matter what city you live in its all expensive
True. A car is an absolute necessity in the vast majority of the country. Rail travel is virtually non-existent except from a few select locations and for more than a few select dollars. My province got rid of its government-subsidized inter-city bus service. Even our major cities have extremely inefficient bus systems. Subways here are sandwich shops. And that's just transportation.
Thanks for share bro , so deep and nice 😊
Thanks for listening 😊
what's the difference between being cheap and frugal?
I will not spend on me, but will over spend on my two senior dogs. The best food money can buy, ortho beds, peanut butter treata and vet visits for anything😂😂😂❤❤
Public transport would cost more for me than a car. A bicycle takes three times longer to get somewhere and then you have to look after that. My car is £50 a month tax and insurance. Then it costs about £2 per trip to the shops in petrol. Plus £35 MOT and tyres occasionally £100 for two. Say about £1000 for a year of travel just going locally.
Public transport here in the UK is a poverty trap - low paid workers can't afford annual season tickets, many can't afford monthly ones. So they have to pay on the day / buy weekly tickets at extortionate rates.
I travel 8 minutes each way on the train for my commute, approx 4 miles. It's £4.60 a day, 12 years ago it was £1.10.
In Prague recently their transport was based on time - you pay for the duration regardless of bus, train, tram or metro. So you have 30, 60 etc mins to go as far as you can. 30m was something like 70p...
@@SpaceshipRocketFuel The Lord bless you.
17:12 I'm gonna sell the car and teach my toddler twins to skateboard. Money doesn't grow on trees. Thanks Seve!
So is 1000 euros including rent? I also live in Finland and my rent is more than that alone, plus basic bills, plus bills that come from time to time, such as insurance, car tax, some unavoidable medical bills. I think that after all those are covered one can live in 1000 a month ( while setting aside for any vacations and other savings), I mean like a normal month with no vacations or bigger purchases that one should set money aside for). 1000 should include basic clothing replacements as needed, food, transportation and maybe a few other things. I think this distinction is important. Finland is a fairly expensive country, even though I live in a small town, Lappeenranta. Even if my rent was halved, 500 is not enough to live on. So I'm really assuming rent and most bills are not included in this calculation.
Yeah all my expenses are under 1000 euros in most months. If I have a trip or need to make investments like now our washing machine broke, it will of course be a bit more. I am sharing a place with two other people which cuts the costs a lot. I use my bike for transportation and have been lucky enough to avoid any big medical or other bills in the past couple of years. My hobby is basically free (running) and aim to buy my food from discount offers. I don't spend a lot on my free time for other things either like going out, restaurants, etc. I am not saying this is possible for everyone and I do know that from now on it's very likely my life will become more expensive as I get older but I am happy here as well 😊
This really differs from where you are located. Here in asia roughly most of the commoner in the philippines may only be lucky to have at least $400 on their paycheck. Keep in mind that they will need to budget that in 1 month. Bills, utilities and other expenses cant be cover by that
You look really happy.
Thank you! I am 😊 Hope you are as well!
@@SunnyKindJourney Alhamdulillah🥲
Dral changet for me was eating Carnivore. Much cheaper and easy!
Good luck with your colon cancer. Stop spreading shiat , unhealthy life style. My father was a carnivore his entire life. He died with 3 forms of cancer because of this diet. So, keep it for yourself brain washed.
I need to stop spending on the small things. I walk every day and usually buy a drink half way, which isn't that expensive but its going to add up.
U are buying food and food is the most important
It may suit some to be a frugal Dougal, but life still has to be lived and enjoyed too. 🎉
There's a difference in being a miser and being careful how one spends one's money. 🤑
Absolutely 🌿
Im not buying chrismas presents this year, its just not in my budget...
Terve!!! Good video 😊😊😊😊😊😊
Glad you enjoyed! 😊
Thank you for helping us .. love this
I realized I was spending too much for art (paintings and sculptures).
I liked the video, I couldn’t imagine not having a car though. I couldn’t have a job and would loose my house lol
Yeah if you need it for work, ofc it's a different thing 😉
Helsinki is a good place to live. You might not save much money but at least you don’t have to worry about being stabbed using the train at night.
For sure not 😄
I stayed frugal all my life so I can retired at 45. I worked 7 days a week many hours never had time to spend. Now I spend, travel and enjoy life because of my investments and real estate. Key is no wife or children.
So you have not established a family. It one thing to fly high when one is young, but as we age, a family is a beautiful thing.
NY?!?!??!? It's super expensive and trust me - the opportunities are limited in NY.