5 Really Easy Spending Changes To Save Money NOW
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- เผยแพร่เมื่อ 31 ก.ค. 2024
- This video gives you 5 really easy spending changes to save money NOW. If you need to save more money (especially if you are low income) and you need to something that will instantly help you begin to reach your financial goals, then these tips are for you.
Whether you are saving for a house, saving for a car, saving for a vacation, or simply saving money, these tips will put you on the right path. Remember, sometimes it's the simple changes that will bring you the most (literal) change.
00:00 - Introduction
01:40 - Cancel memberships
04:50 - Swap a habit
11:30 - Avoid lifestyle creep
12:39 - Stop shopping
14:15 - Automate your savings
17:42 - Bloopers (so funny!)
MENTIONED IN THE VIDEO:
Jumer's Cinnamon Rolls! Here's the recipe: clickinmyheels.com/2015/09/11...
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This week I bought a litter picking stick, a grabber stick and a large canvas bag to use to go walking and pick up litter. I need to move more and can't just walk with no purpose so now I'm outfitted to make my walking time useful. I''ll be the little old lady with the picker stick walking the neighborhood . . . LOL It will be cheaper than mall-walking.
What a great idea!! Cannot touch the litter 😱 OR bend over well (back). That's perfect!!!
My neighbor and I have been doing that litter pick up thing on our road. I finally got a grabber as I almost fell on my head leaning over the bank! Just be careful about broken glass and toxic substances. Wear gloves!
@@janetstonerook4552 thanks for the good advice--I was thinking about gardening gloves?
@@lindawer You are welcome.
Any kind of gloves help. I use liquid proof ones. Just be sure to keep your hands safe. Some things are really disgusting and maybe even dangerous.
Good 4 you!!
Sure!! Give Larry an extra biscuit!!! lol I think you both deserve one!
Or maybe even a cookie! 😂😂😂
In my state you can order library books from any library in the state and they'll deliver it to your local library. You can also download ebooks and audiobooks.
I love this reminder. I was just telling my boys that we should get a good audiobook ordered for when we go on vacation. Long road trips just beg for a great audiobook.
Amazon is destroying local shopping which means unemployment, stores closed, and no way to get something in a hurry. When I want to buy I want to see what I am buying.
Mom & Pops gone😭.
They have no chance...
Amazon loves to help you spend your money. Guess they all do. For me: #NO2Amazon!
Hi I’ve only bought one item from Amazon in all the years. Because I could not find it locally. I support small and local except for Costco and all these
I always wish to see what I am buying. Plus, a lot of what gets returned to Amazon usually ends up in a landfill and not being resold.
Dora, I grew up in a small town with a general store. I was so sad to see that it went out of business a few years ago. The owners told us that they just couldn't compete with the prices being offered by Amazon or Walmart. You're right. It's so important to support small, local business owners whenever you can.
I agree! I so rarely shop Amazon. I know it's the go to for so many things but I always try local/mom & pop first, then literally anything other than Amazon lol
Onne day when my first born was 3 ish, she was bored. She told me, Lets go buy something! I asked her what she wabted to go do? She had no idea, she just wanted to get outta the house! So .i packed her& her baby sister up& went to the library! After an hour or so of picking out books she was quit happy to go hone & read! Other tines we went to tge park tompkay with lots of cold water& snacks!
During a cold Chicago winter many years ago, we went to a greenhouse. Tina
We agree about the Amazon Prime. We tend to use it most around Christmas, so we do a free 30 day trial once a year and that covers our Christmas present shipping. I think having a yearly subscription would just make it too easy to order things we didn't really need, and I prefer to support smaller businesses in my community more often anyway.
How about that Larry is with Hope on Friday 🤗👍great to see u both
When I was younger growing up. My mom would do fantasy shopping. All those catalogs that we would get. She would write everything down that she liked add it up than throw the catalog away. I still do this!!!!!!
I "order" by filling in their order page. Then I stash it away. Funny how I don't miss it after a few days.
You guys make a great team - Larry, definitely show up on Frugal Fridays!
It's always good to see you both.
lovely family picnic photos ...
I add that window shopping helps me ... like I suddenly see something I use regularly - I mean groceries mainly- with a better price and I buy it. but one needs to be very self observant not to spend on buying things
Larry, you are a COOL dude, love the way you support Hope; partners for living frugal.
Awe, thank you, Sarah.
i guess it's kinda randomly asking but does anyone know of a good place to stream newly released movies online?
Yes, it is nice to have "THE TEAM" working together today. {Well, actually I saw you 15 hours after you posted your frugal ideas.} Great points that I have been working on over the years and, yes, they do work. Always good to be reminded that you are doing the right things for your family. Thanks for sharing!
Yes, I truly appreciate that BOTH of the frugal couple are together in their frugality. I see so many TH-camrs who tout frugality, cleanliness, organization, DIYing, etc., but only the wife works like a dog to stay frugal or the house clean, blah blah. I always ask if the husband and kids are behind the subject or if the wife/mother is the only one who works her fingers to the bone ('cause it sure looks like it in the vid as the wife runs around before she goes to bed picking up the toys or hub's clothes).
re local libraries... our local libraries here in Australia - have programs that have audio books.. which are free... i have used audio books from local library for over 18 months
I would LOVE to hear about investing at your ages. There is a ton of videos for 20-40 year olds. I need one for those of us a little older
Always love it when Larry joins you!
Hi Hope AND Larry! You two have some great energy together!! Love watching, especially the "couple/team" bloopers😂😂😂. Great ideas. Tyfs!
🙏❤🙏🤗👵
Thanks, OmmyNana!
The more I cook at home the less good restaurant food tastes to me! :D I have a list of almost a dozen places to watch free legal movies. Tubi is on my list!
Love Tubi! Addicted to You Tube friends, such as Under the Median.
Can you tell us some more free movie places?
Loved the Jumer's cinnamon rolls from back in the day. Live in downstate Illinois and used to come there for business meetings a couple of times a year. CHEAP ENTERTAINMENT: Today, I went to a church rummage sale and bought a dozen huge books of piano music for 75cents each. Thirty years ago, I had purchased the first few books in the series for $30 each. I quilt/crochet/craft and often increase my supply stashes from charity thrift stores for 50 cents or so. These supplies can then be used to make inexpensive but special gifts.
ALWAYS great to see Larry...awww, give the man a treat for being here on a Frugal Friday.
Yes to Larry on Frugal Friday videos... why not?! We’re getting the most value from Discovery+ and Disney+. We don’t have “normal” cable tv.
I loved having Larry join us for this segment! You both are awesome. 💗👍👏🎉
Love your list. I, too, have been doing these things for years. I get free money from banks by opening an account when cash is given in return. I write on the calendar the day I need to keep the account open to get the cash bonus...and then usually close the account. Every once in a while, I keep it, if it serves a need of some kind.
I've also never paid for cable. When free tv went the way of the Dodo, I stopped watching tv. I knew that if I had to pay for it, I'd watch it all the time to feel like I was getting my money's worth.
I've never had memberships--except one. It was way more expensive than it was presented as being. I cancelled after one month.
The only subscription I've ever had was AARP. I NEVER ONCE found a product or service that was less expensive than what I could find on my own--NEVER ONCE! So I cancelled that.
I also take my own food with me when I go on a trip. It's easy, but expensive to stop for food and snacks along the way.
Love to you both! ❤
Loved the bloopers on this one. Glad you had fun filming it. :)
Thanks for the great info, I’ve been binge watching you guys
I absolutely love your show!
Definitely have more of Larry he is so calm and has so many awesome ideas great job Larry
I used to have separate accounts. Now, I keep track mostly on paper but ALL of my variable spending is done with cash. I just take out my "allowance" at the start of the month. That way, I don't overspend, and by keeping my main savings in one account (so called:"high interest"), I earn a little interest.
Love the bloopers! You two really are a team :-)
Bet the kids cherish those picnic memories.
We love seeing you both!
I enjoy seeing you both!!! Always appreciate tips!
Loved the video and the bloopers! You guys bless me!
Thank you both for your good advice!!!
Great to see you both 😂 lovely couple, with great money saving tips.
I so enjoy watching you guys
So glad you are recovering from the ? Virus. Rest when you can it helps . Blessings to you and your family. 🌻
You both Larry and Hope are s cute couple made for each other,you'll bring sunshine to our lives with some useful tips🎊💐👏
Thank you guys; always very good suggestions. Love the picture of Larry's mother. Have a nice week end.
You two are a great... couple... Team! 😂❤
@Trandans - They make a great co-team!
The bloopers are the best. Love watching you!
We love you Larry 💚. We love Hope too, but the vlog is nicer with Larry. I LOVE to see you BOTH TOGETHER 🥰. Once again thanks for an awesome vlog. You guys rock.
Love the bloopers and it's always great to see Larry too. 🤣🤣🤣👍
Oh my goodness your bloopers had me laughing out loud until my eyes watered! Love your informative videos!
I love Larry in the video!! Thanks for the money saving tips.
Absolutely appreciate Larry !
We all Love you Larry!!!! You brighten my day! Let’s not adorable Emmie out which we love!!
I love seeing the both of you.
Thanks Larry! (Loved the bloopers😄)
Hi Larry! Love your ideas!
Just found your channel. Nice job on presenting to us all on how to save money.
My husband and I are debt free as well and our children are young adults. We love living frugal and finding great bargains. We don't have cable nor do we use credit cards. We always have lived within our means.
I'm a person who firmly believes in living simple, minimal, and sustainable.
Great advice... thank you!!
Are you feeling better Hope? Love seeing Larry on Fridays! I love the classics on Tubi and I don’t pay for it. For books, besides the library, I am on several newsletters that publish daily free kindle books to download.I read exclusively on my tablet and use the free Kindle app
I'm feeling a little better every day. The headache and dizziness are gone, but the fatigue remains pretty constant. However, all signs say that I am definitely headed in the right direction. The doctor said 2-3 week recovery.
Love whan Larry shares the spotlight!
We love you, Larry!
Great advice! I’m a reader and am retired. I have kindle fire and you can purchase books but you can also download free books. Also you can belong to unlimited books for $10 a mo. But you are limited to 10 bus and have to return them before checking out more. But I of course do the free ones which are fine with me.
Good to see Larry!
Omg Larry is so funny the two of you together man I just can't 😂😂
Ha! No biscuits Larry, just your awesome presence. ✌
Awe, thanks, Yvette.
Great video!
I get the library to order the book I want, I read it and decide if I want a copy for my personal library...
You two are so great. Hope you are feeling better. We live by the principle og "
Oops, principle of "use it up, wear it out, make it do or do without." Lots of love to you. 🌻🇿🇦
Same! When I realised I was copying every other recipe out of a book and had renewed it three times, I decided it was time to buy it. 🤣
@Chris Heuermann - That's what I do too!
Nice to see you Larry 🙂 You guys are awesome 🙂
HI Larry it is good to see you!
We love seeing Larry!
Love this channel Hey Lary n Hope !!!
Nice to have you on Friday Larry.
Thank you, Eileen. I believe I answer one of your questions on the up and coming Monday video!
Lol, love you guys!
You are totally correct about Amazon. Plus the lure of buying stuff and getting free shipping does not help you be frugal or a minimalist which I am.
Love Larry you both are awesome!
Frugal Friday 🙌🏼😁
#Team Larry! Great ideas! Joy and abundance 👍
We Love Larry on Frugal Friday ❤
You two are honestly one of the most fun couples on youtube I've ever seen! I always enjoy watching you two.
I have a problem buying books... I buy used, but more than I have time to read! I often checknour library, but they often don't have the books I want to read. Sigh.... I just need a book buying freeze for a very long time.
We actually love books, too. It was one of our sons who solved the problem for us. Each of our sons takes over our family budget for six months before graduating from high school. Our 2nd son noticed that we were spending money on books and then either not accounting for those expenses or trying to slide them into other areas of the budget. So, he suggested an actual "book" category in the budget. We funded it at the first of the year and then only bought books from that category. When we ran out of money, we had to stop buying books for the year. It made us super picky about out book-buying and helped us to stop buying too many.
@@UndertheMedian that is a great tip and would set boundaries on book buying and I know I need it!
Yes, teamwork is key!👍
Yay!
I love ebooks and audio books from my library.
Very interesting show!
We love Larry!
Welcome to frugal Friday Larry
Hello Larry on a Friday! Now I'm questioning my Prime membership. LOL. Two requests: Could you make a video on how to buy books for cheap? it sounds like Larry might have some good suggestions. also, could you make a video on your favorite TH-cam channels for saving money or being frugal? LIke, what do you watch and learn from? Always love your videos.
@Stef Valentina - I don't watch television at all. TH-cam is my go-to favorite. I look for how to videos and others that peak my interest. Unfortunately, my watch later grows every time I watch a video. "Hey, what's this about?" Click.
Yes! Larry with Hope. So sweet 💕
Thanks! Loretta. It's fun to have him on with me.
Love this topic! How about making your own coffee for just one week and putting that cash in a jar so you can literally see what you are saving? You will save time, money and calories most likely!
Great idea!
That is an awesome idea! Years ago I used to be a regular at that $5 coffee place! I cringe to think about how much $$$ I wasted doing that 🤪
Gratz Larry on joining the Friday club!!
Love hanging out with you both anytime 🙌
I love the picnic idea
Hi
It good to you both
😊🇬🇧
My adult son gifted me a Roku soundbar when the speakers were going out on my old TV. This has been a wonderful gift. There are tons of free movies, TV shows, and news programs. I didn't have to replace my TV because the soundbar now functions as the sound system! I'm uncertain what the cost would be upfront and I was fortunate that it was gifted to me. It's saved me money on streaming services and/or cable. I've not had cable since I was young; however, I have been tempted for the first time in a very long time to purchase some basic package just for news channels. It's been a rough year+ for news junkies and I was struggling to stay current. Now my problem is solved and I need to cut back on my news consumption!
You did right with Amazon.
We love seeing Larry any day!
Larry you are so cool and funny. You guys are a lovely couple!! 🤣🤣🤣 Team !!!
1) What about AARP membership I hesitate to get it never have and am wondering what others think of it?
2) Church suppers people overlook the fun and frugality of these - sometimes they are as high as $8.00 but include your entree, sides, dessert and drink. Often, they offer seconds for free ! You can meet interesting people - I once sat next to a retired military colonel.
3) There are often FREE community meals you do not have to be homeless or a member of a congregation. Just be open minded as you will meet folks from all walks of life - something which is good for all of us.
4) volunteering for events that feed folks will often allow you to bring home leftovers
5) organize a potluck get together with friends
6) free snacks/ treats giveaways take them to add to lunches, work or school snacks they are free !
7) TH-cam, Public Broadcasting are my go toos for viewing entertainment
8) libraries- if there is a new book you want, seen on a talk show/ advertised/ by a popular author if you have this information libraries will often purchase it - I have done this and have often been the first to read these books since I did the legwork before requesting them
What a treasure trove of great ideas! We've never done AARP, but we know people who love it and feel they get a lot of discounts from having it. I wonder if there is a comprehensive list somewhere of the various discounts that AARP offers. That would probably help you make an informed decision.
Yay Larry!
Hope you are feeling better. 😊
Hello ! I'm sorry this isn't the subject of the video but Hope, do you have a routine for your hair ? Your hair looks so soft !! If you have one, could you make a video on this please ?! Love you both !
Hey Larry! great you are hanging out on a friday with Hope today
We do not have cable, we have an antenna on the side of the house that picks up 26 local channels, no monthly subscription fees. Just free over the air channels.
Love these tips!!
I actually just signed up for a credit union and have 8 accounts, they even let you name them!! Dave Ramsey envelopes digitally! :D
And yes !! You get a biscuit Larry! Lol.
So glad you joined us and would love to see you more in the future.
I was guilty of subscribing but stopped years ago. I LOVE picnics !! And before pandamic life, we done family picnics in summer and get togethers in fall and winter . Sometimes there are over 30-40 people. My favourite 💕
We canceled cable too.
Books are my weekness😢
We allocate any raises and windfalls.
I detest shopping any time !! I bake and cook using up stock😂😂
We have only two accounts and life is easy .
CASH ENVELOPES is the bomb!! Just saying!😁
Love you you guys my favourite TEAM!😂😂
Larry grew up in a very close, extended family. So it was common for all the brothers and sisters to call one another and arrange to meet at a local park for a picnic supper. There would be well over 30 people when they all met.
@@UndertheMedian
That's a whole lot of family!🙏❤🙏👵
We don’t have any subscriptions at all. If we really want to watch a film, it can be found and paid for on you tube. We don’t eat out but love picnics and taking cake and coffee. We certainly never go to stores or online stores unless we have an actual need. We love to garden and grow from seeds to save even more money.
My other sister used to use her kindle and get the free books. And if she really wanted a book and if it was for a price. She would spend no more than $5. But bc she was so frugal she would wait until her check came in Monthly. Or her grandkids wild get the book at the library and when her library did the free ebooks she was so excited bc then she could get the books for free. And being on the cancer treatments this made her happy. She passed after literally 20 years of dealing with the cancer. But she never lost her faith she kept positive. And she was always grateful. She was a true inspiration.
I love being able to transfer money at my credit union to my savings accounts when my check is deposited. I don’t right away in the morning the day my check is deposited. One savings account for property taxes and the other for a rainy day.