Jill and Tawra, you lovely ladies are the best! I truly can't thank you enough for all you do. We had been on food stamps for years. We are no longer using them. It's due to the advice you have given. Following your spending principles has been life changing. I no longer worry about a government shutdown! We belong to a gleaning group. So far for actual food we've only spent$40 this month. Anyone that says you're to harsh needs a reality check. It woke me up. My husband hasn't even noticed that we're no longer using food stamps. I feed four teenage boys plus my husband and myself. I use my dehydrator so much now. I have a fully stocked chest freezer. My boys have said countless times that homemade food is so much better than fast food. They have actually acted disappointed if we get fast food. You all are such blessings. 💛
Good for you Jaclyn, and don't you feel good fixing those meals your boys are enjoying so much. I congratulate you for listening to Tawra & Jill...they really practice what they preach. Have a Blessed day.
@@jillcooper172 Thank you Jill! I know in times of hardships we can wonder why me? Well I believe that your hardships were Gods plan. For you to be a teacher to us.
Hubby has noticed that since I started watching you folks, I don't ask him to go get takeout. Our grocery bill is down to $40- 50 a week. IN Canada 😜 now I'm precooking for upcoming surgery. You have seriously changed my life.
I am paying bills as I listen to this. We have a little debt (about $15,000) and I want it GONE! I just paid double on one credit card. That means the payment plus 2 more of that amount. This was the perfect video for bill paying time :) I really have learned a lot from Tawra and Jill. My husband got me going on this journey and I have taken it to the next level. Thanks for the knowledge!
My husband and I cook 90+% at home. We have such a strong emphasis on family dinners. Of course, every now and then we go out to eat as a family. Because it's so infrequent those meals out are very special. Thanks ladies!
I Thank God that I learned years ago that it’s best to live well below your means. Best way to save money is not to spend it. Thank you ladies love your yt show.
So, I have to share this with you and your readers. We were playing Monopoly yesterday and our 10 year old daughter was very much winning;) She landed on pay your taxes and instead of blindly paying the 200-- she calculated 10% of her money and paid that instead. It was 150!! As she was putting her money in the "bank" she says," thank you, Living on a Dime'!!" We, of course, died laughing and one of our girls said I had to tell you guys. God bless Thank you for all you ALL do💐
My husband and I have talked about his going to convenient store spending during the week. He would go in to get his energy drinks. That energy drink ( which is already overpriced) would also turn into him adding extra stuff at the register and half the time ended up being easily $10. He really didn't want to give up his energy drinks so as a compromise we went to Walmart and picked up his energy drinks which were significantly cheaper getting them in a pack than paying $2.50 a piece at the gas station. Then throughout the week he brings his breakfast, and leftovers and sandwiches for lunch. That helped things significantly. I think he compromised because he was tired of my nagging him about it. We are a family of 4 (about to be 5) and I normally spend between 40 and 60 bucks a week on groceries. There was no reason for him to be spending more than my grocery spending on just convenience food and eating out...for himself. I came from a family where we did watch our money closely and I was money conscious from an early age. He never handled money til after he left home. So it's definitely been a work in progress.
If he isn't to picky check your dollar tree they have half cans of rockstar, sometimes small monsters and full size rip-its (my husband drinks rip-its, while he was in the military thats what they got during deployments.)
@@brooklynknight1032 My hubby is military too. He only drinks Full Throttles. I tried to get him on Rockstar or even Monsters as an alternative. At walmart they have packs of 8 for about $8/9. That makes them a lot better than the $2.50 I see at the gas station. I've tried to get him to bring coffee in from home instead. His gas station habits started when he was in recruiting and would be on the road a lot. It's not like we never went on a gas station run before then but it was a lot more spread out and so it didn't hit as hard. I still have to reel him in sometimes because if I'm not on top of things, he slips back into doing it. That's when I go through a bank statement and itemize every single thing. That tends to help out for a while.
I'm prior service myself and remember having Ripits. They weren't the best flavors but they were free and hit the spot. I am more into healthy eating now and don't really drink energy drinks anymore.
I love these videos. I'm so scared for my husband and I. We turn 60 this year and we have no savings. We are terribly in debt. Over 150k I'm not sure we'll be able to get out of debt before we die. I'm no longer able to do my job I'm on disability. I'm watching videos and trying to learn.
You can do it. Don't look at the amount of debit all at once. Break it down into individual cards. Spend less than you make. Keep paying on the cards, but pay a bunch on one card until it is paid off. Even if you never get all the debit paid off, you can still live on the income you do have, even in retirement.
Thanks Tawra and Jill. Some people are hearing this for the first time and have no idea how to watch their spending. I think there should be a required class in high for this. How to manage your finances.
Eating out is the biggest waste of money. Also, I use a credit card at the pump so I don’t have to go pay inside. I pay them off every month and collect cash back and never pay interest.
I am retired but I help out the local concession operator when she has catering events. I wash dishes, peel veggies and stir pots in exchange for a free meal and free coffee every time I come to the concession. Saves me $2 a day and only costs them 20 cents. And I get to spend the day with a friend cooking in a kitchen. It's a win win.
These two ladies have changed my life. I was able to save a lot of money though I'm from another country, I just applied the same principle. God bless you!
Excellent video! We lived opposite a small gas station and my elderly mom liked to watch folk come and go. She noted to us years ago how most folks would come out with sodas, candy, chips etc.
Great advice and it is eye opening to review monthly spending and see exactly where your money goes. I thought I was being thrifty and couldn't understand why I was always so tight at the end of the month. Little things add up quick. Loving the cookbook. If you are thinking about getting it....do it! You will save the purchase price with just a few of the hints. My picky family has enjoyed everything I have cooked from it so far.
Thanks Tawra & Jill for once again showing all the hidden costs....Don't keep your blinkers on folks when you are paying your bills...read them. Some of the credit cards even say, if you pay only minimum payment you will pay this much to pay it off. And that is if you do not add another dime to the card. Have a Blessed day ladies, you are the best.
I recently worked at a convenient store and the same people came in everyday spending 15 dollars on drinks and snacks and then their tabacco for the day..This place was busy all day...But what shocked me the most was the amount of money spent on lottery tickets.. I used to think wow I could buy a weeks worth of groceries with that..
I seriously have to cut out my convenience store purchases. I buy at least 2 RedBulls a day, and sometimes a candy bar. Not only is it not good for my waistline, it’s not good for my pockets either!😩 Thank you ladies for this sound advice!
Sounds like the south side of Wichita where my daughters live!! 😄 The Quick Trip next to their apartment building is always full of people buying junk like that.
So true! Nails and hair! Oh my! What a huge amount of money folks pay for those! Oh natural! Save the bucks! Stopping hair coloring does take some stomach as it grows out unless you chop it short. But saving big bucks. Mine was $45 every three weeks. $780 a year times 15 years $11,700 I've saved! Oh my! Not counting the fancy salon hair products I used to buy. Plus I started doing hubbies hair cuts about 5 years ago so that saved us $90 a year total $450! And we buy VO5 for less than a buck. Never had desire to have nails done. But I understand they are spendy.
Great video!!!! Convenient stores accept food stamps now. Unfortunately a lot of times people are purchasing food there with food stamps from convenient stores.
My parents were very frugal, I would virtually never consider buying drinks and snacks at a convenience store, our adult son thinks nothing of spending $1.50 -$2.00 on a drink, my husband and I do not understand this wastefulness
I hate heat but I do like my a/c. In the winter I keep my heat to 64 at night and 66 during the day I would have the heat set lower but the husband is a whiner. My a/c in the summer is set to 77f during the day and quite low at night because our hydro is cheaper to run after 7pm so I try to not run the a/c at all during the day time.
We were given gift cards to restaurants for Christmas gifts which we love but we noticed that some restaurants are now charging what some of them call a "convenience fee" of approximately 3% (which varies per restaurant) of your bill if you pay with a credit card. They remove the fee if you pay with cash. The reason is that the credit card companies are charging these restaurants higher fees for the use of the credit cards so the restaurants are passing the cost onto the customer. Another hidden cost some people might not notice.
I find credit cards easily get me into trouble. The issue is that without an emergency fund (even 1k would do) the cc becomes the emergency fund but it then takes forever to get rid of it. I just managed to clear my debt on it and got a prepay cc to use for everyday that I use for my own weekly allowance. I'm getting there. It's hard at the beginning to get the ball rolling but you can do it if you really want to.
Actually Roberta it is a triangle shawl. The whole thing was just knit stitch and increase at the then of the row. I didn't use a pattern but followed this video th-cam.com/video/WjT6K76YOTo/w-d-xo.html The yarn was some I found at a thrift store so don't know if they make it any more. It was Mini Mochi and color #103- 80% merino wool, 20% nylon
Great video. You gals always keep it real and have a great way of putting things in perspective. The car payment thing. 😬 The husband just purchased a car because a deer totaled his other one. 😭😭😭😭 We have a payment.
In the defense of people in winter having tank tops or t shirts on if you live in the south the winter isn't always so bad lol. My husband and i both love the cold, barely run our heat but are wearing t shirts or tanks but are comfy.
I don’t know how anyone can’t know these things but it’s obvious they don’t and I believe it’s because they have never had to support themselves fully and do not realize the full scope of what it means to support yourself, which goes far beyond putting food on the table. I’ve never used a budget. Thats for small minds lol. It may come into play for certain scenarios but not for managing ones personal finances. Obviously if you can’t pay off the credit card bill every month you don’t buy it. You don’t have to be a rocket scientist to beat the odds against you. Mainly just detach yourself from unrealistic demands and expectations and create a far better, more true and solid world then their illusionally one. Let them marry each other for incomes, it’s all a house of cards that fell hard once already in our lifetime. I kept everything as a traditional homeowner who does not put my real estate at risk. I guess strong minded moral people are a smaller minority then ever. It’s immoral to put your family at risk so you can drive a fancier car and go to Starbucks.
The credit cards part is so stressful. For every 50 bucks that I pay, 30 ish goes towards interest, that's the lowest interes credit card that I have. 😶😶😶
That may work for you but a lot of people need to to get organized and lay out a visual plan. And like you said following through. Creating a budget does no good if you don’t follow the plan. And the budget is fluid not set in stone. I was flexible enough when the doctor required the money that was sent to collections before I could see her.
I know you find deals a lot... Do you have separate funds for deals? Like if you see clearanced items you want for gifts etc. I found myself wanting to buy toys from next Christmas. I refrained because I don't have the funds... I just was wondering how you guys set aside money for things like that or stocking up on food or whatever. I would rather pay less now then more later.
I have to budget for birthdays and christmas so I figured out how much I need to put aside and that goes into an account. If I see something I can pull from that account to pay for it because there are months where there are no birthdays so there is unused money sitting in the account.
I agree with a lot of what your saying but I don't think that $3000 is a reasonable price for a car when you consider the price of repairs and missed work. A 10 to 12k used car would be far more reliable.
Christine that really is just an excuse people use all the time to excuse buying a newer car. I have never in my whole life missed a day of work from my car breaking down and neither has any of my adult kids or grand kids for that matter. I don't have any more repairs to pay for than people with a new car as a matter of fact I was talking to a tow truck driver one time and he said 90% of the cars he had to tow were brand new ones.
@@jillcooper172 - Your lucky. I have been stranded. Once before cell phones, with a new born baby. I guess it depends on what you do for work too. I can't imagine my boss being to happy with me if I missed client meetings because I was waiting on a tow truck. A 10k car isn't a new car. Its generally got about 50k and is 5 to 7 years old.
In the last couple of years I have worked in two different stores in two different areas of town. I used to work in a store in a lower middle class area. Now I work in one of the more expensive areas of town. I was shocked to note that the folks who seemed to have less money didn't want to be bothered with their small change. However, where I work now, I frequently hear "even a little bit helps" or "it all mounts up". I can't help but wonder if this attitude toward pennies and nickels and dimes doesn't, at least partly, explain how some folks can afford to live in the pricier area, and some folks are barely making it (carrying their EBT cards) but don't want to be bothered with small change. To succeed, somehow I think one has to get to the point where the pennies, nickels, and dimes are valued and watched over. I think this same attitude that small amounts don't matter is part of what you are talking about with the convenience store snacks and breakfasts. One trip, to them, is a "small amount". It doesn't count. But they forget that they don't make just one trip.
As a family we are saving our change for the year. So it's more of a fun challenge. It also makes you think twice before you leave change laying around.
So true Marcia, I don't spend change...I just put it in a can and save it. When the can is full I roll the coins. It is just me putting the change in the tin and it was rolled yesterday after a year and it was $80.00 and a bit left over in the can. Every little bit counts for sure.
Oh my.... my youngest child and I have been in Walmart and seen folks drop change, turn around, look at it, shrug their shoulders, and walk on. Listen I will never be too rich or unwilling to bend over for a penny, nickel, dime and even shockingly I have watched folks drop quarters and keep going. I use a receipt app and will pick up other roles receipts because it helps me save towards gift cards got Amazon, etc. gift cards. I always, always, always shop clearance, then sale, then pick up the rest needed at regular price. I always have extra food for in case I am under the weather or just don't feel like going shopping or even out to eat. I don't want to be tempted. Once I became widowed with three kids (no SSI benefits for me), as they aged out of getting benefits, I made the mistake of letting the bank piggyback a credit account to my checking account for those moments when I found running a business atop managing children and then grandchildren that came, teaching at church, then homeschooling.... point was my mind was often fried and I just forgot to transfer money or maybe the month was slim on sales and I banked on catching up financially once the busier business times of the year came along. Thing is it got out of control. So much so I am slapped cold with the fact that I must pay off my mortgage early before my youngest turns 18 and loses his SSI benefits because my income will not support all the debt I have plus the credit debt. I got myself in the mess. I will get myself out. I spent many years as a single mom with two kids and no child support so I learned to be frugal then even more than my parents on one income and farm raising. I am back to buying things because they are cheaper and making do with them. I still have some of dark chocolate covered almonds Mike gave a heads up on before Christmas for a quarter a bag at Kroger. I ran and checked and bought all but one bag (ha ha... I couldn't take them ALL). I put some in a glass jar (still with the original store sticker) at Goodwill for a fourth of the original price and filled them with those almonds to go along with some coffee. My brother-in-law loved it for Christmas. He thought I had him pegged. I will probably dress some up for Valentine's Day to give other family members who will eat them. I also hoarded the red wrapped Hershey Kisses to wrap for Valentine's and saved the silver and green for Christmas. If you do anything for St. Patrick's you could hoard the green one for then too. They are still good beyond the holiday. Other than that candy I bought Palmer Chocolates for the kids stockings and a big bag of Dum Dums to give my kiddos at church. They think I am genius. I think I am cheap. I find we took more at home since my son loves cooking and I am grateful for that. Food really does tastes better when it's made with love. Thank you for preaching it Tawra, Jill, and Mike. I know it can be done. I've lived it and the extreme opposite. My late husband spoiled me... not that we were ever rich but he carried me out of poverty state. I am on my way to employing all those life lessons for the betterment and joy of being able to share with others. I have been reminded it is the thought and time invested that counts more than the money. In the end we don't remember the money but the time. We should totally think about instructing others, showing them in video, how to travel cheap. Even on a tight budget I make room for traveling with my kids. Those are memory making moments we do not miss mainly now due to working and schooling at home. Traveling, learning, experiencing new things and places is good for the soul not to mention the fresh air!! 😊😁❤🙏$$
Not so much hidden money but extra money every month we also budget over the amount for our electric & gas were debt free cash only budget limit & we seem to have extra with our extra $ were saving it so we can be a month or 2 months ahead on the budget. Guess its time to put it into a book & put your ideals together how to budget will be looking for the book...!!! I see something I like I give myself at least 14 days to wait by the time 14 days I don't need it or want it. Many also uses the envelopes each month...Get out of debt get away from the credit cards once your out of debt stay out...!!! Change your life style on your spending get into good spending & savings habits We use to go out to eat for every meal No more we cook at home we don't go out to eat plus our health got better....
People make fun of us because we keep our heat on 60-62 all winter. We wear sweatshirts and sweaters and when we watch TV, we have a blanket on. Our neighbor has her's on 74 all winter and then complains of the high bills. She wears short sleeved shirts and summery type clothes and says she gets cold easily. Ha. Some people just don't use the brains the good Lord gave them! Ha.
Car; I bought with my Income Tax 10 yrs ago used & thus able to pay minimal Insurance, no interest & mostly all paid is maintenance & replace parts due to age (`98 Camry) thus pay maybe $400 or so a yr. No Credit Cards & NO Overdraft Protection (if I don't have the money for it, I don't need it). I eat before I go shopping & @ the end of 2-3 hr walking more than actually shopping, but checking some things out for prices of future projects & getting my climate controlled exercise, @ the end of this, will get my $1 drink while I sit & rest my back before going out to my car or get picked up (I'm 61 with broken disc, massive hernia & Arthritic knee & neck) better to get the exercise where I know where I can rest or get assistance if needed! Gas; get Gift Card @ Walmart which affords an additional 3 cents per gallon off of the already lowest price (9-20 cents than any of the others).
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Jill and Tawra, you lovely ladies are the best! I truly can't thank you enough for all you do. We had been on food stamps for years. We are no longer using them. It's due to the advice you have given. Following your spending principles has been life changing. I no longer worry about a government shutdown! We belong to a gleaning group. So far for actual food we've only spent$40 this month. Anyone that says you're to harsh needs a reality check. It woke me up. My husband hasn't even noticed that we're no longer using food stamps. I feed four teenage boys plus my husband and myself. I use my dehydrator so much now. I have a fully stocked chest freezer. My boys have said countless times that homemade food is so much better than fast food. They have actually acted disappointed if we get fast food. You all are such blessings. 💛
Wow, that's a great testimony!😊
Thank you. We still have room for improving. Just learning to change our mindset.
Good for you Jaclyn, and don't you feel good fixing those meals your boys are enjoying so much. I congratulate you for listening to Tawra & Jill...they really practice what they preach. Have a Blessed day.
Way to go Jaclyn - you have no idea how much testimonies like yours mean to us. Thank you.
@@jillcooper172
Thank you Jill! I know in times of hardships we can wonder why me? Well I believe that your hardships were Gods plan. For you to be a teacher to us.
Hubby has noticed that since I started watching you folks, I don't ask him to go get takeout. Our grocery bill is down to $40- 50 a week. IN Canada 😜 now I'm precooking for upcoming surgery. You have seriously changed my life.
Good planning. Heal fast.
wow!! That's great! Thanks so much for letting us know someone is listening! LOL I hope you recover quick!
I am paying bills as I listen to this. We have a little debt (about $15,000) and I want it GONE! I just paid double on one credit card. That means the payment plus 2 more of that amount. This was the perfect video for bill paying time :) I really have learned a lot from Tawra and Jill. My husband got me going on this journey and I have taken it to the next level. Thanks for the knowledge!
My husband and I cook 90+% at home. We have such a strong emphasis on family dinners. Of course, every now and then we go out to eat as a family. Because it's so infrequent those meals out are very special. Thanks ladies!
I Thank God that I learned years ago that it’s best to live well below your means. Best way to save money is not to spend it. Thank you ladies love your yt show.
So, I have to share this with you and your readers. We were playing Monopoly yesterday and our 10 year old daughter was very much winning;) She landed on pay your taxes and instead of blindly paying the 200-- she calculated 10% of her money and paid that instead. It was 150!!
As she was putting her money in the "bank" she says," thank you, Living on a Dime'!!"
We, of course, died laughing and one of our girls said I had to tell you guys.
God bless
Thank you for all you ALL do💐
LOL!!! That's too funny! Glad someone is listening!
@@LivingOnADime Yes indeed!!
This was so funny. Thank you for sharing it with us.
@@jillcooper172 You're most welcome!
My husband and I have talked about his going to convenient store spending during the week. He would go in to get his energy drinks. That energy drink ( which is already overpriced) would also turn into him adding extra stuff at the register and half the time ended up being easily $10. He really didn't want to give up his energy drinks so as a compromise we went to Walmart and picked up his energy drinks which were significantly cheaper getting them in a pack than paying $2.50 a piece at the gas station. Then throughout the week he brings his breakfast, and leftovers and sandwiches for lunch. That helped things significantly. I think he compromised because he was tired of my nagging him about it. We are a family of 4 (about to be 5) and I normally spend between 40 and 60 bucks a week on groceries. There was no reason for him to be spending more than my grocery spending on just convenience food and eating out...for himself. I came from a family where we did watch our money closely and I was money conscious from an early age. He never handled money til after he left home. So it's definitely been a work in progress.
If he isn't to picky check your dollar tree they have half cans of rockstar, sometimes small monsters and full size rip-its (my husband drinks rip-its, while he was in the military thats what they got during deployments.)
@@brooklynknight1032 My hubby is military too. He only drinks Full Throttles. I tried to get him on Rockstar or even Monsters as an alternative. At walmart they have packs of 8 for about $8/9. That makes them a lot better than the $2.50 I see at the gas station. I've tried to get him to bring coffee in from home instead. His gas station habits started when he was in recruiting and would be on the road a lot. It's not like we never went on a gas station run before then but it was a lot more spread out and so it didn't hit as hard. I still have to reel him in sometimes because if I'm not on top of things, he slips back into doing it. That's when I go through a bank statement and itemize every single thing. That tends to help out for a while.
I'm prior service myself and remember having Ripits. They weren't the best flavors but they were free and hit the spot. I am more into healthy eating now and don't really drink energy drinks anymore.
I love these videos. I'm so scared for my husband and I. We turn 60 this year and we have no savings. We are terribly in debt. Over 150k I'm not sure we'll be able to get out of debt before we die. I'm no longer able to do my job I'm on disability. I'm watching videos and trying to learn.
It won't be easy, but it IS possible. You can do this. ❤
@@rennsea5865 I don't understand how it can be done we are willing we are so close to retirement age. If you have ideas my email is tjmmit@hotmail.com
Tina, I sent you an email
💖Patti
You can do it. Don't look at the amount of debit all at once. Break it down into individual cards. Spend less than you make. Keep paying on the cards, but pay a bunch on one card until it is paid off. Even if you never get all the debit paid off, you can still live on the income you do have, even in retirement.
Thanks Tawra and Jill. Some people are hearing this for the first time and have no idea how to watch their spending. I think there should be a required class in high for this. How to manage your finances.
Eating out is the biggest waste of money. Also, I use a credit card at the pump so I don’t have to go pay inside. I pay them off every month and collect cash back and never pay interest.
My frugal life I use my debit card as credit at the pump
I use my debit card at the gas pump. No credit card bill to pay.
I am retired but I help out the local concession operator when she has catering events. I wash dishes, peel veggies and stir pots in exchange for a free meal and free coffee every time I come to the concession. Saves me $2 a day and only costs them 20 cents. And I get to spend the day with a friend cooking in a kitchen. It's a win win.
These two ladies have changed my life. I was able to save a lot of money though I'm from another country, I just applied the same principle. God bless you!
Excellent video! We lived opposite a small gas station and my elderly mom liked to watch folk come and go. She noted to us years ago how most folks would come out with sodas, candy, chips etc.
It’s scary how easily you can waste money on snacks & drinks while you’re running errands or shopping.
W Sue I carry snacks in my purse -that’s a good idea
@@ruthlloyd1163 it only took me years to figure it out! Great minds think alike!
Love this! Y'all are speaking truth. There are too many people that use the convenience store as their main store!
Great advice and it is eye opening to review monthly spending and see exactly where your money goes. I thought I was being thrifty and couldn't understand why I was always so tight at the end of the month. Little things add up quick.
Loving the cookbook. If you are thinking about getting it....do it! You will save the purchase price with just a few of the hints. My picky family has enjoyed everything I have cooked from it so far.
Thanks Melanie!
Thanks Tawra & Jill for once again showing all the hidden costs....Don't keep your blinkers on folks when you are paying your bills...read them. Some of the credit cards even say, if you pay only minimum payment you will pay this much to pay it off. And that is if you do not add another dime to the card. Have a Blessed day ladies, you are the best.
Thank you so much for the input on the hidden, I learn so much. God Bless all you guys!
Absolutely charge $300/hr for finance coaching. You’ve been doing this long enough.
The DYNAMIC DUO is BACK!!!! I LOVE you gals! God bless you for your ministry!!! 🙏💝💝
You are so right about all of these things!
Preach it! I try to drill this into my family's heads.
I recently worked at a convenient store and the same people came in everyday spending 15 dollars on drinks and snacks and then their tabacco for the day..This place was busy all day...But what shocked me the most was the amount of money spent on lottery tickets.. I used to think wow I could buy a weeks worth of groceries with that..
I seriously have to cut out my convenience store purchases. I buy at least 2 RedBulls a day, and sometimes a candy bar. Not only is it not good for my waistline, it’s not good for my pockets either!😩 Thank you ladies for this sound advice!
Sounds like the south side of Wichita where my daughters live!! 😄 The Quick Trip next to their apartment building is always full of people buying junk like that.
So true! Nails and hair! Oh my! What a huge amount of money folks pay for those! Oh natural! Save the bucks! Stopping hair coloring does take some stomach as it grows out unless you chop it short. But saving big bucks. Mine was $45 every three weeks. $780 a year times 15 years $11,700 I've saved! Oh my! Not counting the fancy salon hair products I used to buy. Plus I started doing hubbies hair cuts about 5 years ago so that saved us $90 a year total $450! And we buy VO5 for less than a buck. Never had desire to have nails done. But I understand they are spendy.
Great video!!!! Convenient stores accept food stamps now. Unfortunately a lot of times people are purchasing food there with food stamps from convenient stores.
My parents were very frugal, I would virtually never consider buying drinks and snacks at a convenience store, our adult son thinks nothing of spending $1.50 -$2.00 on a drink, my husband and I do not understand this wastefulness
I hate heat but I do like my a/c. In the winter I keep my heat to 64 at night and 66 during the day I would have the heat set lower but the husband is a whiner. My a/c in the summer is set to 77f during the day and quite low at night because our hydro is cheaper to run after 7pm so I try to not run the a/c at all during the day time.
We always take lunch we don’t eat out because is so expensive
Your mom is adorable I love her
A slow cooker and common sense...it'll save you $1,000's.
We were given gift cards to restaurants for Christmas gifts which we love but we noticed that some restaurants are now charging what some of them call a "convenience fee" of approximately 3% (which varies per restaurant) of your bill if you pay with a credit card. They remove the fee if you pay with cash. The reason is that the credit card companies are charging these restaurants higher fees for the use of the credit cards so the restaurants are passing the cost onto the customer. Another hidden cost some people might not notice.
I find credit cards easily get me into trouble. The issue is that without an emergency fund (even 1k would do) the cc becomes the emergency fund but it then takes forever to get rid of it. I just managed to clear my debt on it and got a prepay cc to use for everyday that I use for my own weekly allowance. I'm getting there. It's hard at the beginning to get the ball rolling but you can do it if you really want to.
Tawra your back! Nice to see you great video
Pre recorded......
Love your vest, what is the pattern and yarn?
Actually Roberta it is a triangle shawl. The whole thing was just knit stitch and increase at the then of the row. I didn't use a pattern but followed this video th-cam.com/video/WjT6K76YOTo/w-d-xo.html The yarn was some I found at a thrift store so don't know if they make it any more. It was Mini Mochi and color #103- 80% merino wool, 20% nylon
Prep on the weekend.
Great video. You gals always keep it real and have a great way of putting things in perspective. The car payment thing. 😬 The husband just purchased a car because a deer totaled his other one. 😭😭😭😭 We have a payment.
So true thanks
In the defense of people in winter having tank tops or t shirts on if you live in the south the winter isn't always so bad lol. My husband and i both love the cold, barely run our heat but are wearing t shirts or tanks but are comfy.
I’m always shocked at the amount people spend on cigarettes at convenience stores!
I don’t know how anyone can’t know these things but it’s obvious they don’t and I believe it’s because they have never had to support themselves fully and do not realize the full scope of what it means to support yourself, which goes far beyond putting food on the table. I’ve never used a budget. Thats for small minds lol. It may come into play for certain scenarios but not for managing ones personal finances. Obviously if you can’t pay off the credit card bill every month you don’t buy it. You don’t have to be a rocket scientist to beat the odds against you. Mainly just detach yourself from unrealistic demands and expectations and create a far better, more true and solid world then their illusionally one. Let them marry each other for incomes, it’s all a house of cards that fell hard once already in our lifetime. I kept everything as a traditional homeowner who does not put my real estate at risk. I guess strong minded moral people are a smaller minority then ever. It’s immoral to put your family at risk so you can drive a fancier car and go to Starbucks.
The credit cards part is so stressful. For every 50 bucks that I pay, 30 ish goes towards interest, that's the lowest interes credit card that I have. 😶😶😶
Look for a 0% for a limited time and put every penny towards paying them off. You can do it Samantha.
That may work for you but a lot of people need to to get organized and lay out a visual plan. And like you said following through. Creating a budget does no good if you don’t follow the plan. And the budget is fluid not set in stone. I was flexible enough when the doctor required the money that was sent to collections before I could see her.
I heat 66 in the winter my mom dose 60 I cool to 77 my mom dose 83 in the summer it dose help
I know you find deals a lot... Do you have separate funds for deals? Like if you see clearanced items you want for gifts etc. I found myself wanting to buy toys from next Christmas. I refrained because I don't have the funds... I just was wondering how you guys set aside money for things like that or stocking up on food or whatever. I would rather pay less now then more later.
I have to budget for birthdays and christmas so I figured out how much I need to put aside and that goes into an account. If I see something I can pull from that account to pay for it because there are months where there are no birthdays so there is unused money sitting in the account.
I agree with a lot of what your saying but I don't think that $3000 is a reasonable price for a car when you consider the price of repairs and missed work. A 10 to 12k used car would be far more reliable.
Christine that really is just an excuse people use all the time to excuse buying a newer car. I have never in my whole life missed a day of work from my car breaking down and neither has any of my adult kids or grand kids for that matter. I don't have any more repairs to pay for than people with a new car as a matter of fact I was talking to a tow truck driver one time and he said 90% of the cars he had to tow were brand new ones.
@@jillcooper172 - Your lucky. I have been stranded. Once before cell phones, with a new born baby. I guess it depends on what you do for work too. I can't imagine my boss being to happy with me if I missed client meetings because I was waiting on a tow truck.
A 10k car isn't a new car. Its generally got about 50k and is 5 to 7 years old.
I don't have a credit card for that reason 😂
In the last couple of years I have worked in two different stores in two different areas of town. I used to work in a store in a lower middle class area. Now I work in one of the more expensive areas of town. I was shocked to note that the folks who seemed to have less money didn't want to be bothered with their small change. However, where I work now, I frequently hear "even a little bit helps" or "it all mounts up". I can't help but wonder if this attitude toward pennies and nickels and dimes doesn't, at least partly, explain how some folks can afford to live in the pricier area, and some folks are barely making it (carrying their EBT cards) but don't want to be bothered with small change. To succeed, somehow I think one has to get to the point where the pennies, nickels, and dimes are valued and watched over. I think this same attitude that small amounts don't matter is part of what you are talking about with the convenience store snacks and breakfasts. One trip, to them, is a "small amount". It doesn't count. But they forget that they don't make just one trip.
As a family we are saving our change for the year. So it's more of a fun challenge. It also makes you think twice before you leave change laying around.
So true Marcia, I don't spend change...I just put it in a can and save it. When the can is full I roll the coins. It is just me putting the change in the tin and it was rolled yesterday after a year and it was $80.00 and a bit left over in the can. Every little bit counts for sure.
Oh my.... my youngest child and I have been in Walmart and seen folks drop change, turn around, look at it, shrug their shoulders, and walk on. Listen I will never be too rich or unwilling to bend over for a penny, nickel, dime and even shockingly I have watched folks drop quarters and keep going. I use a receipt app and will pick up other roles receipts because it helps me save towards gift cards got Amazon, etc. gift cards. I always, always, always shop clearance, then sale, then pick up the rest needed at regular price. I always have extra food for in case I am under the weather or just don't feel like going shopping or even out to eat. I don't want to be tempted. Once I became widowed with three kids (no SSI benefits for me), as they aged out of getting benefits, I made the mistake of letting the bank piggyback a credit account to my checking account for those moments when I found running a business atop managing children and then grandchildren that came, teaching at church, then homeschooling.... point was my mind was often fried and I just forgot to transfer money or maybe the month was slim on sales and I banked on catching up financially once the busier business times of the year came along. Thing is it got out of control. So much so I am slapped cold with the fact that I must pay off my mortgage early before my youngest turns 18 and loses his SSI benefits because my income will not support all the debt I have plus the credit debt. I got myself in the mess. I will get myself out. I spent many years as a single mom with two kids and no child support so I learned to be frugal then even more than my parents on one income and farm raising. I am back to buying things because they are cheaper and making do with them. I still have some of dark chocolate covered almonds Mike gave a heads up on before Christmas for a quarter a bag at Kroger. I ran and checked and bought all but one bag (ha ha... I couldn't take them ALL). I put some in a glass jar (still with the original store sticker) at Goodwill for a fourth of the original price and filled them with those almonds to go along with some coffee. My brother-in-law loved it for Christmas. He thought I had him pegged. I will probably dress some up for Valentine's Day to give other family members who will eat them. I also hoarded the red wrapped Hershey Kisses to wrap for Valentine's and saved the silver and green for Christmas. If you do anything for St. Patrick's you could hoard the green one for then too. They are still good beyond the holiday. Other than that candy I bought Palmer Chocolates for the kids stockings and a big bag of Dum Dums to give my kiddos at church. They think I am genius. I think I am cheap. I find we took more at home since my son loves cooking and I am grateful for that. Food really does tastes better when it's made with love.
Thank you for preaching it Tawra, Jill, and Mike. I know it can be done. I've lived it and the extreme opposite. My late husband spoiled me... not that we were ever rich but he carried me out of poverty state. I am on my way to employing all those life lessons for the betterment and joy of being able to share with others. I have been reminded it is the thought and time invested that counts more than the money. In the end we don't remember the money but the time.
We should totally think about instructing others, showing them in video, how to travel cheap. Even on a tight budget I make room for traveling with my kids. Those are memory making moments we do not miss mainly now due to working and schooling at home. Traveling, learning, experiencing new things and places is good for the soul not to mention the fresh air!! 😊😁❤🙏$$
Not so much hidden money but extra money every month we also budget over the amount for our electric & gas were debt free cash only budget limit & we seem to have extra with our extra $ were saving it so we can be a month or 2 months ahead on the budget.
Guess its time to put it into a book & put your ideals together how to budget will be looking for the book...!!!
I see something I like I give myself at least 14 days to wait by the time 14 days I don't need it or want it. Many also uses the envelopes each month...Get out of debt get away from the credit cards once your out of debt stay out...!!!
Change your life style on your spending get into good spending & savings habits
We use to go out to eat for every meal
No more we cook at home we don't go out to eat plus our health got better....
People make fun of us because we keep our heat on 60-62 all winter. We wear sweatshirts and sweaters and when we watch TV, we have a blanket on. Our neighbor has her's on 74 all winter and then complains of the high bills. She wears short sleeved shirts and summery type clothes and says she gets cold easily. Ha. Some people just don't use the brains the good Lord gave them! Ha.
Not surprising but Jills actually more bossy than Tawra 🤣✌🏽🤷🏼♀️💙🍎
LOL
If you have bad credit, your insurance can skyrocket. Think about it!
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Tawra seems tired and fed up with stupid people. Which I totally understand.
What about people who buy scratch tickets. OMG dont even get me started!! 😡😡
We only have the heat at 75 if we are all sick. I can't remember the last time the ac was at 65
Car; I bought with my Income Tax 10 yrs ago used & thus able to pay minimal Insurance, no interest & mostly all paid is maintenance & replace parts due to age (`98 Camry) thus pay maybe $400 or so a yr. No Credit Cards & NO Overdraft Protection (if I don't have the money for it, I don't need it). I eat before I go shopping & @ the end of 2-3 hr walking more than actually shopping, but checking some things out for prices of future projects & getting my climate controlled exercise, @ the end of this, will get my $1 drink while I sit & rest my back before going out to my car or get picked up (I'm 61 with broken disc, massive hernia & Arthritic knee & neck) better to get the exercise where I know where I can rest or get assistance if needed! Gas; get Gift Card @ Walmart which affords an additional 3 cents per gallon off of the already lowest price (9-20 cents than any of the others).