Frugality and Self Reliance. No one is Coming to Help You
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- เผยแพร่เมื่อ 10 มิ.ย. 2024
- Frugality in these current times can be very tricky. What can you to do get through the maze of self reliance & frugality.
Frugal Queen in France
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We are a British couple living in Brittany on a budget.
Frugal recipes, days out, home renovations and day to day making do in France.
We’ll give you hints, tips, advice and an insight into our life in France.
Website www.frugalqueeninfrance.com/
FaceBook / frugalqueeni. .
Instagram / frugalqueen. .
Twitter / batt_jane
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I work as a flight attendant and I have recently changed my mindset about work ... I now call it going on VACATION. I have a free hotel room every night and I travel to different cities. I travel with my own food and cook a fresh meal in my hotel room everyday. When I run out of fresh veggies I stop at a local market. This will only cost me a $2 or $3. If there is a city that I want to visit, I just add it to my schedule. I am able to get free coffee at hotels and use ice from the airplane to create an iced coffee whenever I want. (BIG money saver) . When I get a raise, I continue to live on the previous amount and then set aside the 'raise' money. I'm trying to do everything that I can to be frugal but not cheap.
That is awesome!! You are making the most of everything you can and living a great life. Kudos to you!!
That sounds like a great way to put a positive spin on your situation when working. I love going on vacation and staying in a hotel room. I always have the hotel coffee and continental breakfast in the morning.
Cheap is too expensive ❤ Frugal is the good life, wise choices. “Health is wealth” pays too.. ten years ago I changed and not only did I have better health, I have better finances. 😇
Brilliant!
You have an excellent vacation situation :-) SWEET life.
We live in the US. Last week my husband saw an ad for a local produce store, for 8 pounds of strawberries for $10 and 6 pints of raspberries for $12. I got both, made strawberry jam and raspberry jelly. I think knowing how to preserve food will become a very important skill again.
And homemade tastes so much better!😋
I agree Amy ...I see the world going back to the "old fashioned " way our grandparents used to do things ...this over consumerism is simply not sustainable
As a 62 year old woman who was taught by parents who were children in the WWIi I was always taught not to waste food, but I believe that we are going back to the old saying of waste not, , want not for the majority of the population. Also being portuguese I was taught to cook from scratch and reusing leftovers with imagination that does not worry me very much, it's the lack of produce that worries me..
I love making jam as it’s restful doing all that stirring (mind you, I’m thinking of the witches in Macbeth while I’m doing that….) it’s good to have a lot of jam on hand. I find people love to have it tucked into a basket at Christmas time, or as a housewarming gift. It’s also good to welcome new neighbours, or as a small “thank you”, or as something to trade when the time comes.
I have a bit of a permanent food garden so I have fruit on hand at various times - strawberries, raspberries, blueberries, plums, apples - it all helps.
Yes yes good job . Thrifty
Hopefully people with animals (I have 6 rescue cats and a dog) will not abandon their animals just because finances are tight. These creatures are 100% loyal. Don't let them down.
I hope so too.
Buyer beware: Costco is commomly not cheaper than your local supermarket. People get fooled into it because Costco only sells in bulk and customers buy more. Know your local supermarket’s prices per lb, oz, pint, ltr etc before heading off to Costco! And remember to calculate in the cost of fuel to get to Costco plus the annual membership fee. All the above didn’t pan out for us, so we quit going to Costco and are now doing much better with our food budget by just staying in town, watching the sales and being mindful and frugal. Great video Jane, thank you :-))
Agreed--we used to shop Costco once a month and saved a decent amount of money. Our membership is free through an employer, but we only go there now if we happen to be traveling that distance for other reasons. I compare the prices every time because now any deals are mere pennies per pound better than the grocery store. Being able to buy in bulk amounts is nice, but then we have to be disciplined to use the amount we budgeted for within each month, not use it up more quickly because we have more. Some of the things I still find more affordable at Costco include baking soda, cheese, vinegar, oil, hamburger, and some produce.
As a Costco member for 15 years, I agree. There are terrific deals at Costco but you have to shop carefully and calculate the price per ounce or per piece to compare the price with other stores. Overall, careful shopping is critical wherever you shop.
Costco has good prices on prunes, dried fruit, bulk yeast,tp,seasonings, coffee,snacks such as Stacy’s pita chips,OTC medicine, romaine lettuce, bulk carrots, gas. Not everything is a good price though
I think the “secret” is contentment.
And preparedness 👍
And gratitude
My husband and I went on a "date" lunch...buy one get one free pizzas, used a $5 coupon they had sent me, and got back $6 on upside app..so 2 pizzas were under $6 and we both got water. My husband laughed at me when I took the seeds out of his lemon slices to start lemon seedlings.
The buck stops with us. Lock down really changed us as a family in a good way. I find frugality a journey learning and experiencing new ways and I love it. I save more money even in these unpredictable times and I’m proud of our achievements as a family living on less throwing next to nothing away but living a beautiful contented life and not following the herd. Frugality doesn’t mean cheap mean and boring it’s completely the opposite… I’ve never been happier ❤️ thank you for inviting us into your home for a chat x
That was beautifully stated 🫠
I have tried to live frugally for years and I totally agree that being frugal is a way of life but you can practice frugality and be happy and satisfied with your life. I find it reduces the stresses and gives peace of mind to the family finances, sinking funds and an emergency fund means that you are prepared for what ever happens when Murphy knocks on the door. It also reduces waste, keeps things out of land fill, and allows you to live a peaceful life.
Thanks very much
I agree!
@@patmartin9727 spoken so well. 💐
Hi Jane and Mike from Australia😊. It is really, really tough here right now. The country is in a terrible mess. I've had such an awful few days, so down in the dumps with the state of things. We are frugal, have a good pantry but I guess I get overwhelmed like everyone else from time to time. What pulled me out of that state of mind is thinking of my grandmother's. They brought up large families in England during the war with rations. Incredible. When I thing about that, I feel fortunate.
Thanks for watching
It's easy to get down with the state of the world. A few crazed dictators and politicians who feel cowed by big powers or are on the take. It does seem things are rapidly spiraling. All we can do is take care of our little corner of the world and keep speaking out against injustices, greed and dimwitted leaders. I enjoy frugality and, despite a smaller garden than usual due to horrible rains and a family of raccoons who love to dig up newly planted beds, I will have a crop and will can and freeze what we don't use immediately. I love living frugally. It's my own private little adventure.🤗
I have a cookery book - eating for victory. It is a compilation of the recipes published by the govt for cooking with rations and unrationed seasonal foods. It is a blue print for seasonal eating and careful use of ingredients. Portion sizes were smaller too.
I say to my family when I get overwhelmed by the state of the world and what's going on here, As long as we have tea and coffee and bread on the table we're doing alright. I might add hot showers too🥴. How long before that becomes an absolute luxury.!
Because I worked multiple part time jobs and knew I would be relatively poor in retirement, I worked on fixing things beforehand. Over a two year period I changed my single glazed windows to double glazed. I did the top floor one year and downstairs the next as I couldn’t afford to do it all in one. I also had insulation added to my attic. That felt good right away. The weirdest thing I did was to get dental work done. I had lots of old fillings and a small dental plan which let me do a little each year. I had a quarter of my mouth repaired with crowns in a process which took me four years. Now that I’m retired a dental crisis would be a challenge so I’m glad I did that. I guess we all know what we need most.
Good preparation
Angie Price, planning ahead because you looked into your resources was a very wise move. Congratulations from another retiree.
@@katherinerichardson1767 Thanks. I am lucky that I grew up in a family which had been through wartime rationing so we were always thrifty. It's a good habit to have in life. Best wishes to you in your retirement.
That wasn’t weird getting your teeth done ahead of time; that was smart planning!
Excellent!
I love the end of this video when you talk about enriching your life without spending tons of money. This is such an important message.
Thanks for watching
a lot of people in the US say they expect to work their whole life.
the only problem with this is:
1.finding employment, because employer don't want to hire "old people."
2. between automation and AI, a lot of people won't even be able to find a job at all.
3. because of your age, you may not be able to physically work as hard as you did when you were young, this will also limit your job choices.
We’re screwed!
Thank you Food in Australia 🇦🇺 is so expensive it makes you upset for those who are not practising frugality and nutritional eating dear Jane and Mike. I see it around me. I'm on a fixed low income for many years and this year I'm so proud I'm on track 👣 saving wise. Sadly I'm 61yrs All I can say I wasn't prepared. I have nice government housing near the city and Botanic Gardens and parks here in Adelaide, at a low cost. I'm thankful for a roof and food to eat. I don't love sardines but eat them anyway because they're healthy. I eat porridge for breakfast. It's cheap and healthy too. It's so crucial to eat nutritious foods and can be done low cost. I also believe in giving too. Blessings from Adelaide
Wow! Finally someone else from Adelaide online watching the same frugality video 💞
There have been some big changes in the world and there will be even bigger ones to come. It is so sad to watch our choices and freedoms dwindle. Best to be prepared at all times - it's almost a full time job!
So true!
I'm in Canada, where *in theory* we have socialized medicine, but in actual fact it's enormously difficult to find even a family doctor, let alone a specialist if you get referred to one. Until I watched this video, I hadn't realized this was true in other places as well! It's frightening to think our standard of living is decreasing to the point that healthcare is no longer easily obtained and afforded.
Thanks for sharing
We in southern USA and all types of doctors are hard to see. We also have to pay for it ourselves. Stay healthy and safe.
Yes, it is shocking that the donor class now own our political representatives. Not having accessible, affordable healthcare and housing is a disaster for any nation.
@@smokeshow2142 That’s what our family had been doing for the last 10 years--learning about staying healthy without the doctor's help.
My brother lives in Montreal. Back in February he spent a week on a stretcher in the ER in Montreal hospital, McGill, until he was transferred to a room.
Thank goodness someone has mentioned " making memories" i am 74 and we had a simple childhood and and had to entertain ourselves. Great memories, made our own. 1 trip to the cinema during the summer holidays, very inexpensive holiday to a place where my father could fish! Many contempories had no annual holiday, just days out.
Well said!
My son and his family live in a Amish house here in the USA. They enjoy it. So proud of all my sons.
Amish houses are so beautiful!
@@sheilahughes3561 Amish people had the best ideas in the end.They were right.
Brilliant! There aren't any financial surprises there are just the things you didn't prepare for. Change of perspective. Thank you!!!
Boom!
It’s good to study & learn Tinctures as very useful for illness & well being
You and I are on the same page, I make tinctures also!
I always say it’s not if something breaks, but when it breaks because everything does
My husband and I volunteer at church, and for various ministries and it is very rewarding and gives our lives purpose and meaning 😊.
When my dentist suddenly died I had to search for a new dentist. It took me two years to find one . I have to travel an hour and a half but lucky I found one.
Healthcare is expensive in the U.S. you work 40 plus years & contribute to social security. Then you pay for Healthcare Medicare Medical & Hospital $230, I also signed up for a Medicare Advantage plan for dental, eye care & hearing insurance on top.
I totally agree with you about the “food politics” going on. And I’ve also come to the conclusion that my main priorities are to grow more, save more, buy only basics and in bulk. We’ve cut out many foods from our diet/shopping: pre-made foods, meats, many imported foods, most dairy products. Excellent video and reminders to day. Thank you J and M💕
And then there's shrinkflation - higher price for a smaller quantity!
This may sound naive but what is the goal of manufactured food scarcity? Where can one read about this from responsible authors?
I agree that the whole bucket list thing isn't necessary, and puts a lot of pressure on people to spend big on 'experiences'. I find that staying off the likes of Facebook and Instagram helps with not comparing my life to that of others and wasting money
Thank you
I really enjoyed this one. I’m in the US and I watch different channels regarding self reliance/preparing. You’ve laid the subject out without political leanings or discussions. You’ve been simple, direct and honest. Because of you, I opened accounts for Sinking Funds and Emergency/LTS. I’d heard of sinking funds, but only with cash stuffing. After watching your monthly budget breakdowns over several months (yep, I’m one of those that has to really digest a thing before I do it), I followed your breakdowns. Your breakdowns are my favorites just so I can check myself. I do keep my LTS/Emergency in one account. I may separate them, but this is working for me. I feel SO MUCH BETTER! I’ve never really been so specific with my funds. I spent what was needed and put the rest aside or left it in my checking. I retired two years ago. No mortgage etc but I work a little part time to keep active and for that extra pin money. Just compartmentalizing gives a person the feeling of control in lieu of just buying without thinking. Love you all ❤️🌷
Thanks for watching
Jane - How wonderful it would be if you were to give this talk to school and university students! I wish I had heard this when I was growing up! 👏👏👏🙋♀️🇺🇸💕‼️
Wow, thank you!
Me too!
You're right about food frugality being a superpower. I discovered that blanching fresh veg from the shops and storing in the freezer when there was a glut of yellow sticker items, has been a game changer for me. I started getting into foraging and bottling fruit as well a couple of years back and I try to grow what I can, even though I don't have a garden and it really does help.
Every time you go shopping now, it seems we end up with sticker shock... you need to team up with neighbors to go together to save on fuel and wear and tear on your vehicle. Very lucky I have a handyman husband as well.
We have got sinking funds for everything we could ever imagine we might need including things like fridge, stove, bed etc.
We made memories by cooking a dilicious meal at home with fresh produce from the farmers market. Walk the beach nearby with a flask cooled or hot drinks, watching a movie at home with cripsy or homemade cookies.
That sounds like a perfect day!❤
Here in Rural Indiana USA. Have lived out in the country all of our married life. You are correct about gas being one of our largest expenses especially when we were working. I basically have to drive 25 miles to get to a major grocery store/Walmart or your job. So 2 vehicles, one for you and one for spouse. Usually one of the vehicles will be a pick up truck if your doing any type of farming/animals, etc. One of the only positives here about post Covid is how we finally have gotten high speed internet out here in the country which affords the opportunity to work at home. You are so correct about checking regulations for building, etc. The other issue for retirees especially is property taxes, going up and up. Our up over $1200.00 a year over the past 2 years. Ouch. So the more you improve your property the more you pay when they reassess every few years. Another thing is maintenance costs, the bigger your property the more maintenance you have to do or pay someone to do if you aren't able to do it yourself as you age. But I wouldn't live anywhere else. Living out in the country I've always stockpiled items, we've been stuck for up to a week at a time during snow storms and have had week long power outages due to storms, etc. Basically we look at our lives and options and try to have a back up and a back up to our back ups. Love your channel and practical advise and I love seeing and reading comments from others in different countries as well.
Thank you for another wonderful, thoughtful video Jane! We learn so much from you and your husband.
You are so welcome!
I think getting older helps with being frugal. Have a hard time paying $8 for a sandwich with the $5 footlong jingle in my head. No real public transportation where I live. Could probably make it to large nearby city or shopping center, but it would be an aĺl day adventure. Estimate for my 1500 sq ft, 100+ year old house is 4x what it was when I moved in 15 yrs ago. Don't even get me started on the cost of utilities - more than doubled in a year! Thinking about taking social security at 63 and some months while still working. Love the honesty and concern in your videos and feel less alone after reading the comments. I debated with myself about buying a reference book on social security that isn't available from my library as an ebook. I work overnights and my boss left me some money to buy myself a treat for employee appreciation week since all the activities were during the day. Abook is a treat, right? 😅
Thanks very much
I ask my library to purchase those books. I've never had them say no to a requested book.
Very well said Jane. There are no safety nets
I seldom buy fast food or eat out. Due to some family illness, I was visiting at the hospital yesterday and had a taste for a nice hot pizza on my way home. $20 for a medium, thin crust pizza! Barely enough for lunch for two people! Fast food isn't that cheap anymore. 😮
I got a slice of pizza the other day; I haven’t had a slice in years. That slice cost three dollars! I remember when a slice was a dollar!
Hi Jane and Mike great video . I agree totally with you. I am blessed to have plenty of land and home. We are also debt and mortgage free. We are in a very rural area in Kentucky USA, are very frugal heat and cook with wood . We raise and breed chickens for layer replacements and meat, ducks, turkeys and geese. Due to health reasons we had to sell our cattle, hogs, goats. We did butcher several beef and hogs and preserved them many various ways. We have orchards, berries, grapes, nut trees and very large gardens, herb gardens and medicinal gardens. We preserve everything by canning, waterbath, pressure, dehydrating, freezing fermenting, smoking, curing etc. we have always tried to keep a 1-2 years supply of food, including wheat, rye, oats, and other dry and baking goods. I make all of our soaps, shampoos bath and body supplies and our cleaning and laundry supplies. We don’t use our clothes dryer I hang outside on a line and during the winter I hang in my off grid laundry station with a woodstove. I cook and bake everything from scratch including mayonnaise cheeses, butter, sour cream, ice cream, all breads, bagels, English muffins etc. also most of our condiments we also hunt and fish. By living this way it saves thousands of dollars and we eat very well. If we didn’t we wouldn’t have very much including heat. If people can grow just a few items in containers, flowerbed, as landscaping they would be surprised at the savings it provides and much healthier, and nutritious fresh food.
What a wonderful life
Thank you for your suggestion.
We live in a little and very modest ranch house in MT. We are careful to remain debt free, and are senior seniors. We do most work ourselves, and enjoy our too short garden season. We are gradually building poly tunnels over raised beds. We do have internet , and we do have a few small businesses from our home.
That is awesome!
I have really invested in my garden this year to be as self reliant in fruit and vegetables as I can be, but what is really concerning me is the cost of food for my two elderly cats and two dogs. I can be very adaptable, but cannot expect my pets to live as frugally as me. Costs of their normal food has soared, and sometimes there are gaps in what is available. Also one cat is on lifetime medication, and the cost is more than my own health insurance. It is, I think,important to think about the impact a poor diet may have on your health, and to make sure you are getting the right nutrients etc and cutting down or cutting out those that are harmful.
Health care is so high in America. I would be debt free except for medical debt. 🙁 I keep plugging away. Thank you for another great video.
This was very interesting. At 77 I have to prepare for change, because it comes all the time. Just doing something one way is not going to work when things change. I have always listened to other people all my life and weigh their experiences with how it fill fit into my life.
I agree that my grocery bill has just about doubled. It's been since Covid. Prices going up, up, up.
You are so right on the food prices, I buy the same items over and over and things have gone from baked beans 99c to $2.20, ginger nut biscuits 90c to $1.85, it is just crazy crazy crazy. The 3 fast food places near us are always busy
I was buying single packs of spam for a dollar at Walgreens. I went back there recently to buy some more; it’s now a $1.79! I refused to buy it even though I can afford to! I refuse to be price gouged; I would rather do without!
I lent a bit of time every now and then to talk with the elderly in a care home around the corner. Ist so beautiful to see the reaction and hear their story
Hi Jane - thank you for your interesting video. I understand what you are saying about dental work. I broke my tooth and was told I could have it pulled out on the nhs or go private. I went private and to have 1 tooth fixed it has cost £1000. It took quite a few months to save up that amount of money. I am finding it quite scary in the uk at the moment- I have to remortgage soon and I believe I will need to find an extra £3000 a year due to interest rises. It has got to the stage where it is really difficult to know what to cut back on but I find going to videos like yours really help me so thank you.
Thanks for sharing
Something we all need to ponder a little more, is that self reliance has a dollar value (or euro, or pound). The first time you DIY a project, for instance, you save money. The second time you perhaps do it with a friend on their property, a second person learns the skill. With time even the simplest of tasks can be offered for a fee.
Thank you Jane! You are absolutely correct and frugality is about to get a whole new meaning in this house. I'm working on changing things so we can be more self reliant.
You are so welcome!
i think in the future to survive and thrive, a person will need skills in both self-sufficiency and have technical skills.
Thank you for another inspiring video, Jane! As far as food, even growing some herbs in containers during the summer can make a difference. Container gardening is almost hands off and can be done with limited space. Thank you for all the work you put into your videos!
Thanks so much
I just LOVE these sit down talks with Jane! I look forward to these talks every week. I feel like I’m sitting down in a room with Jane and visiting over a cup of coffee 😊.
Glad you like them!
I wish everyone could watch this video. A real wake up call to how we should be living. Thank you for such an educational video.
Thanks for watching
Jane! It's like you're in my brain, today, with this video. My husband and I are trying to save up and take care of the things that we just know are going to need replacement. Our hot water tank is at least 15 years old. Was in our home already in 2008, when we moved in. Our roof is at least 20- 25 yrs old. Going to need replacement.
Now, went to the dentist today and smack! I need dental surgery around my implant! 😢 We strive to be frugal and save for our future needs. We have become more aware since your videos as well, so a big thank you!!😊
Thank you for your feedback
Catching the bus is reasonable at this time in my area! Sometimes busing and walking can be good exercise as well. Doing stretches, knee bends, swings, and planks are so healthy! Making homemade lemonade and coffee, and iced tea, can be so delicious!
I only got to the point where I could save fairly recently, but am saving every penny I can these days, within reason. I did fall off the waggon last week and buy a couple of second hand craft kits, but they will keep me amused for hours, so good value really.
You are talking great sense in the video, and I try to plan for everything, so many live in the moment and spend all they have, and I am wary of sounding like a right grumpy old woman when talking to them. Since frugality, or you could call it the common sense practice of living within your means, is not learned in families any more, I do question where people learn the basic skills of budgeting, meal planning and cooking from scratch these days. Do we need it to be taught in schools, or how will our lovely young people learn these things?
Teaching frugality is anti-consumerism.... I don't think those manufacturing the scarcity want independent thinkers
Just found out local grocery store has rump roast for 2.99$ lb. Going to stock up since I haven’t had this price for over a year and there is no limit.
Use it up
Wear it out
Make it do
Or do without
I’m trying hard to go by this very wise saying. I’m cleaning up things that my adult children threw in the garbage and using usable items. Knuckle down and become very good stewards. My sister is trying to get ( Just dental) insurance and the prices are crazy!!
This entire video was very thought provoking. The part that impacted me the most is using volunteer work to enrich your life in place of paying for an expensive vacation. I do local volunteer activities in town with my church, but have never taken an out of state or country volunteer trip.I also liked you idea of volunteering in other local businesses and events. Now that I'm retired, I need to start branching out!!!
Thanks very much
So good to hear you be contented with your life so am I .Life can be good without a 4 star vacation
You know what I appreciate about this channel? Yee recognise some countries are in a bad way. I'm irish 🇮🇪 and frugality can't make up for the insane prices. Good few channels talking about finance or frugality just don't recognise the property issues people are facing through no fault of their own.
❤so much appreciated ❤️ thank you! Keep up the great work!
Thank you for the feedback
From experience, my boyfriend needed major dental work done in the US. The cost for implants was over 65K. We did research and he went to Guatemala city (twice) and got it done for 14K. Yes, the dental facility had all the latest technology. The dentist was well trained. Even with the cost of flights, food (cheap and good) and small hotel, he saved thousands of dollars. Thinking outside of the box is key along with doing thorough research. It can be done.
Try Prague and Turkey too
@@FrugalQueeninFrance I had a dental implant for a front tooth here in France last summer. It was arranged by my local dentist, and the clinic was only an hour away. The cost was €1900 , but all the consultation fees (23€ per visit) and X-rays were refunded by CPAM. Approximately half the remained was refunded by my Mutuelle. So the total cost was only around 1000€ .
@@Catsrule7 very reasonable
People in the UK can still use the EU medical system under the NHS. It's a fairly complicated process, but with research and a bit of persistence it can be done for a lot less than going private.
Speaks volumes about the state of healthcare that Americans travel to Mexico and Central America. Can't afford to be treated in their own country.
Hi Jane. Great video. When you were talking about location. It reminded me about our local Canadian news that reported. The neighbour dispute, in or near your area. So very sad. We all need to be aware of our surroundings. Crime is Rampant. 🇨🇦
Such an amazing list of really wise advice
How i loved that you talked about how things are not unexpected just unprepared for I've been driven crazy trying to explain and get family and friends to understand and prepare for inevitable issues.. i hate, hate to see people put up TH-cam go fund me for funeral expenses for instance this is absolutely a expense we all need to be prepared for
There are salvage grocery stores here in the US, and I have a couple near my home. I'll go there first and see whether they have what I need, or something close to it, before I go to a full-service grocery. I've learned to be careful and look at best-by dates on canned items, and use their fresh produce quickly before it goes off. But working carefully and being adaptable when it comes to meals, I've been able to keep our grocery prices at near pre-pandemic levels.
It's also worthwhile to find cookbooks that encourage the cook to adapt recipes to inexpensive local ingredients. One I really like is the More-With-Less Cookbook, created by the Mennonite church as a deliberate effort to encourage people to make the best of what they have so others in poverty will have enough to eat.
Thanks for watching and commenting
I love MORE WITH LESS Cookbook. The EXTENDING THE TABLE cookbook is a companion book and very good also.
@@karenallen919 thank you
Leaving my job because they are reducing pay and going to bring us onsite. Scrambling around getting all the medical and dental done on ins before I leave. Using up my health savings account. Have a bit of a food stockpile, really frugal already, gonna take it up a notch
Good luck Julie
Self reliance for dental: brush daily, floss daily, don't eat sweets and junk food, get your teeth cleaned at the
dentist at least once a year.
I know people who drink pop (soda) all day long and wonder why their teeth are bad.
Soda can literally dissolve your teeth I can't imagine what it's doing to your body's organs
I'm in the U.S. and we are paying $1, 000. per month for our medical premiums for two people; not including co-pays when we see the doctor. In the state of Hawaii we have a big shortage of doctors. We literally have to wait months to get an appointment if we are referred to a specialist. I have lost five of my doctors because they moved to the mainland. You are so right about having a budget and saving for an emergency as soon as you start working. Some emergencies can wipe out an entire emergency fund, so keep saving and putting money in sinking funds. Our property taxes keep rising and that makes our mortgage higher. 😕 Seems like we're pretty much taxed to death.
That was always the plan. Work, stay in debt til death. I always tell people the system is not broken. It's working just as they designed it
I wish mine was that cheap. I pay $1500. just for me.
Very good talk. I am lucky as the shops and library are nearby. Eating out is not very frequent as the cost of living in Australia just keeps going up - coffee is now $6.20 per cup. Keep the videos and information coming.
That's great!
$6.20 per cup? Wow! I wonder how many people are going into debt to pay for their coffee?
I’m lucky like that as well. I live in a walkable area near the beach. My job, doctor and dentist are close by, so are three libraries, my bank, two pharmacies, a dollar shop and two supermarkets. My rent is affordable so I’m able to save money each paycheck as I’m debt free and live frugally!
Great video! I will say there are things to do come up you can't budget for. I suddenly had to have a heart procedure done last year out of the blue. Luckily I had excellent Health Care coverage but still has several thousand dollars worth of a co-pay. Luckily we were able to spread it out interest-free. I'm truly too bad you can't have some animals etcetera on your property. Where we live in the u.s. we have three hens, 3 fruit trees and veggie garden on her standard City lot. I do canning, freezing, dehydrating various foods. We also to turn a spare bedroom closet into a pantry. We do barter with some of our neighbors, I give away eggs in exchange for rhubarb, Etc. Nothing wrong with being cashless!
If you knew the co pay amount for the worst case scenario, you can save that amount into a medical emergency fund. As you had to pay it anyway.
Excellent!! Thanks for admitting that most of the crisises we face are manufactured. Absolutely so! I'm in the US and dentistry is as sore a subject as our super expensive healthcare. Dental insurance is a joke with most plans paying no more than $2,000/yr per person. My husband has gotten a $40,000 estimate for the dental work he needs. Yes, forty thousand dollars! We've paid about $8,000 for temporary work so far. Thanks for all y'all do and look forward to your three episodes a week!
He should go on a trip to another country, go to Prague or Turkey.
That's absurd and why Americans don't stage a revolt or that is beyond me
@@KittyKat-vb1nd in America the women are men the men women, no chance
Another awesome video ❤🇦🇺
My husband and I live in the US, are early semi-retired, age 58 and 52, and pay for insurance though the marketplace. We pay $278/mo for health insurance for both of us. We each have a maximum out-of-pocket per year of $9,000, so a total of $18,000 per year. We keep an emergency fund just for this, just in case. My husband had a hip replacement in February, and we paid the $9,000. So any other expenses he has the rest of this year will be free. We chose a lower monthly payment knowing we would have to discipline ourselves to keep the emergency fund. We could have chosen a plan that cost $1,000 a month, and had a maximum out-of-pocket per year of $5,000....but the math doesn't add up to make that a better deal. Our dental is $29 per month for both of us. This gives each of us 2 free cleanings a year, and low cost for basic problems. Worse problems are not covered, but there a maximum limit as well.
Thanks for sharing
Ireland's housing crisis is truly catastrophic...
Jane, I am pretty good at budgeting and have all of my “unexpected” expenses budgeted for. Or so I thought. But here is one I really did not expect. Just before Christmas my Elna 7300 quit working and the repairer has been unable to get the replacement part needed. So I had to bite the bullet and buy a new machine - I was shocked at just how expensive an equivalent machine is now. By the way, it worked out quite a bit cheaper here in France than the same machine in England.
Thanks, I have a considerable fund put aside for that fateful day.
Great insights! Thank you!
Thanks very much for watching
You are spot-on as usual! We should all be striving to be as self-reliant as possible so we are in a position to help others. But the amount of self-reliance opportunities are highly variable. I live in the poorest state in the U.S. (Mississippi) and thanks in large part to my commitment to “ prepping” (not hoarding) and my frugal habits, we were able to support an additional family of five plus a dog for a month, and help several other families in the aftermath of one of the most devastating hurricanes to hit the US (Katrina). My girlhood and family life sounds like it was similar to yours economically. I grew up working class in the 70’s. My concern now is to teach my children and grandchildren what they need to know, and are willing to learn, because I think that our young people have had it pretty easy in terms of food availability and easy transport. You and Mike always present a well-balanced rational perspective for us the 98% without a wealth of choices at our fingertips.
Thanks very much
I never realized that Mississippi was such a poor state to live.
I always felt like your area is a wonderful but yet challenging place to live. One of few with less restrictions and government control.
This is most important for those folks that strive to live a life of freedoms and self reliance like yourself and me. We live in down state Illinois in a rural area. Everything is good except taxes are high in Illinois.
I must say if I had to relocate I believe I would love moving to a small rural area of Mississippi.
Thanks Jane. Some good points made. Can never plan too much. My son has a Costco card but I don’t find a lot of things cheap. But I did see chicken for a good price so stocked up my freezer. Petrol is cheaper there than at my local supermarkets so again got what I could afford. I use the trolley app for comparing supermarket prices. Switched to own brand washing powder & buy when reduced or damaged packaging. Bargain of the year was 5 ltrs of white vinegar for £1 off a local car boot. Tesco own soap was 20p a bar now 30p. Am I obsessed?😉☺️
Not obsessed but sensible
You are correct about Ireland on housing and healthcare. Thank you for all your information.
You are very welcome
I think you’re right. Good advice about home and property shopping. My parents told me the exact same advice 40 years ago when my husband and I were home shopping. They said,”Do not buy the most expensive house in the neighborhood.” We do have similar rules here in the states. It was against the town zoning ordinances to have backyard chickens. The citizens got together and addressed the town supervisors and got that rule changed. Now, 3 chickens are permitted, but no roosters.
Dental care is extremely expensive here in the us, even with insurance!
All good ideas, thank you again for your thoughts and direction.
Thanks for watching!
I am midway through my no spend year. I must say, not acquiring more stuff that I do not need is so freeing. I am focusing on building up an even larger Emergency fund and adding to my sinking funds.
Wow! Well done! I'm doing no buy July, but can't imagine doing it for a whole year!!💪👍
There is a shortage of nurses,especially in the hospital. People are getting send Home,who are operated,Just 2 hours before.😨
Where is that Marianne please? We have a regional shortage of GPs and dentists in rural area, there’s no problems with hospital treatment or recovery in my area.
@@FrugalQueeninFrance st.vith,belgium
Absolutely true!
So good, Jane. Thanks for sharing.
You are so welcome!
Up early 6am grocery shopping local HEB. 2.49 lb groundbeef 4.60 for 1.80 lb....wow wow..spring break kids at home need eat.
Good advice, and although everyone's situation is different, we can all do something to increase our self-reliance. This year i am growing more salads (not had to buy supermarket lettuce so far this summer) and as usual I will be drying garden herbs and making jams and jellies from garden fruit. I liked your comments about 'making memories' - some of my best memories are not of doing anything expensive, but of fun times doing things we enjoy at home with the family, or of simple days out walking or with a picnic.
This was really good...Thank you :)
I really enjoyed this video ..thank you
One of your best videos yet.
Thanks very much
Very thought provoking video!
Best video yet.
Lovely video. I appreciate all of the tips and wisdom!
I’ve joined volunteering at my local community centres garden. I’m helping others learn how to care for a garden and the veg we grow is shared amongst people in the area and back into the community centre kitchen for free hot meals.
That is awesome!
That’s wonderful!
Great video, Jane and Mike! If you will, please consider making a video about canning produce or other methods of food preservation you use. Thank you, your channel is wonderful.
I have done and it’s on the channel.
@@FrugalQueeninFrance , thank you! I will check it out.
always enjoy your videos. 😊
I appreciate that!
Great video! Very thought-provoking!
Thank you!
Great advice! One of the best to date!
Glad you think so!
Love your video. Well said and essential points covered.
Thanks so much!
A great video Jane 🌺 Shared
Thank you so much!
Best segment ever Jane 👏🏻👏🏻👏🏻
You're welcome
In Ireland we have supposed socialised health care. However, it is hard to get into the system with huge delays.
I hope you don’t wait too long