Frugal Expert Shares: You're Better with Money Than You Think

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  • เผยแพร่เมื่อ 28 ก.ย. 2024
  • Are you ready to unlock the hidden potential in your finances? In this video, we'll dive into the heart of frugality and reveal how capable you manage your money. Whether you're balancing a tight budget, planning for the future, or simply looking to make the most of what you have, you'll discover that you already possess the skills and mindset needed to do well financially.
    We'll explore practical, frugal tips and insights to help you recognize and celebrate the smart financial decisions you're already making. From everyday spending habits to long-term budgeting tips, you'll learn to see your financial choices in a new light, giving you the confidence to easily take charge of your money.
    Join us as we break down the myths around money management and highlight the strengths you may not even realize you have. This video is about empowering midlife women and personal finance, helping you feel good about your financial journey no matter where you are. You'll have renewed confidence and motivation to make wise financial decisions by the end.
    Let’s embark on this journey together and discover that you're better with money than you think! You'll find practical advice on financial independence for women and saving money, setting you on the path to financial freedom. So sit back, relax, and let's get started on this exciting path to financial empowerment.
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    💰 Budget Planner (FREE): frozenpennies....
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    Looking for an online app to help you with your money? Check out Simplifi from Quicken: quicken.sjv.io...
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    Check out the frugal home goods and books to save you money!
    Frozen Pennies Amazon Store: www.amazon.com...
    ________________________________________________________________________
    I’m so very happy to have you here. We are all about saving money at Frozen Pennies. Whether you have a goal like debt freedom, purchasing a home, retiring, or just making ends meet, we are all about making that happen. Here you’ll find tips on saving money on groceries, ways to tweak your budget, and living an overall frugal life (all while having more fun)! Thank you for supporting my channel.
    About Sara:
    Sara is a wife, mother, and creator of Frozen Pennies. With a degree in English, a former teacher, and a Certified Financial Coach, there is no better place to learn about debt freedom, budgeting, and overall frugal living.
    ________________________________________________________________________
    DISCLAIMERS:
    - Links included in this description might be affiliate links. I may receive a small commission if you purchase a product or service with the links I provide at no additional charge to you.
    - Information on this channel (Sara Conklin, Frozen Pennies) only represents my thoughts and opinions. I am not a medical doctor, medical professional, or financial advisor. However, I am a certified financial coach. All content on this channel is intended for entertainment, informational & inspirational purposes only. Don't hesitate to contact a professional with any questions. This video and all videos on this channel are a means of social support.

ความคิดเห็น • 54

  • @saraconklinfrozenpennies
    @saraconklinfrozenpennies  3 หลายเดือนก่อน +4

    Grab The FREE Budget Planner here! 💰frozenpennies.lpages.co/budget-planner-freebie/

    • @zac1375
      @zac1375 3 หลายเดือนก่อน

      FYI: You have a typo: "Grab The FREE Budget Panner [sic] here!"

    • @saraconklinfrozenpennies
      @saraconklinfrozenpennies  3 หลายเดือนก่อน

      @@zac1375 THANKS!! I'll fix that!

  • @ros8986
    @ros8986 3 หลายเดือนก่อน +16

    Grocery Shopping - I have two questions "when will I cook it?" and then "when will I eat it?" groceries are not a resource, they are a responsibility.

  • @Crystal-gg5wp
    @Crystal-gg5wp 3 หลายเดือนก่อน +6

    Thank you for your kindness and information that I really needed right now.

  • @ksavage8851
    @ksavage8851 3 หลายเดือนก่อน +5

    Thank you for this, you make me feel better about my budgeting progress. It's getting much easier and I enjoy looking at the positive balance in my checking/savings.

  • @JeanneNaser-xt1hs
    @JeanneNaser-xt1hs 3 หลายเดือนก่อน

    Hi Sara. I really enjoyed this video. It was very uplifting and encouraging, great job!! Jeannie

  • @shaunagidwani6498
    @shaunagidwani6498 3 หลายเดือนก่อน

  • @lindawilson4625
    @lindawilson4625 3 หลายเดือนก่อน +16

    Most of us suffered the early years of pain by making dumb $$$ decisions. If you learned from it you have won! Give yourself a well deserved pat on the back :-)

  • @KerryJames-l6z
    @KerryJames-l6z 3 หลายเดือนก่อน +9

    I negotiate almost everywere financially lol i made so many money mistakes in my youth now 56 i enjoy financial peace of mind little luxuries

    • @zac1375
      @zac1375 3 หลายเดือนก่อน

      Many years ago, there was a report on one of the TV news magazines (20/20?) advising to always try to negotiate the price, even if it is only "rounding down" from, say, $20.25 to an even $20.00. I (jokingly) did this once in Walmart, and the cashier gave me the "Are you crazy?" Look. 🤣

  • @cynthiafailor3962
    @cynthiafailor3962 3 หลายเดือนก่อน +10

    Thank you for helping me realize I am doing better with my money than I thought I was 🎉

  • @katv1195
    @katv1195 3 หลายเดือนก่อน +7

    A simple thing I did to start managing my finances was to give myself a cash allowance for personal purchases (eg $40 a week). At the end of each week I topped up my allowance for the amount I'd spent, so I had $40 again. All the underspends in my "allowance" became savings in my bank account. Very simple and easy to manage

  • @MsDoglover02
    @MsDoglover02 3 หลายเดือนก่อน +8

    Thank you for a great encouraging video! I'd love to see a video explaining a high yield savings account and where to find them.

  • @patbethea111
    @patbethea111 3 หลายเดือนก่อน +6

    I love the envelope method

  • @SimplyKatieWalks
    @SimplyKatieWalks 3 หลายเดือนก่อน +5

    I just signed up for the budget planner from you! Im definitely a pen and paper person. Thank you🎉🎉

  • @LauraN-do2of
    @LauraN-do2of 3 หลายเดือนก่อน +1

    I definitely do the 48 hour rule. I keep a list. I give myself a set amount of money each month for “shopping”. This includes anything that isn’t groceries, gas, rent or utilities. It could be personal care, household or other random things. Usually this category ranges from 0 in a no spend month to 100 in a more generous month. I will say that I get the dopamine rush from getting rid of things or selling things I don’t use as much as I do from new things. I think I’ve sold 600$ or more of craft supplies and things I don’t use this year alone.

  • @misslinda772
    @misslinda772 6 วันที่ผ่านมา

    How about having an emergency fund in your checking account? Not just savings. ❤

  • @Pajali
    @Pajali หลายเดือนก่อน

    That’s some great perspective. Maybe we’re not all where we’d like to be with our spending and saving habits, but even small improvements are worth noting and celebrating. Knowing what needs to be done is important even if we haven’t figured out how to get it done yet.

  • @juliem.3936
    @juliem.3936 3 หลายเดือนก่อน

    I love Austin's videos!

  • @toeaqueen
    @toeaqueen 3 หลายเดือนก่อน +1

    how much interest is good for a high yield savings account? My savings account gives 4%. How much is considered high?

    • @toeaqueen
      @toeaqueen 3 หลายเดือนก่อน

      @@katv1195 thanks 😊

    • @saraconklinfrozenpennies
      @saraconklinfrozenpennies  3 หลายเดือนก่อน +2

      Yes 4% is good. I’m at 4.25% with Capital One.

  • @penniephillipp936
    @penniephillipp936 3 หลายเดือนก่อน

    Do you know any high yield savings accounts that are not online accounts only?

    • @NANETTEMILLER-s8w
      @NANETTEMILLER-s8w 3 หลายเดือนก่อน

      Your bank I do cds higher interest rate 6 months pays best

  • @copperhousefarm4794
    @copperhousefarm4794 3 หลายเดือนก่อน

    I also like watching Kosher Money.

  • @surekhagalagoda4047
    @surekhagalagoda4047 3 หลายเดือนก่อน

    Thank you for giving a pat on my back

  • @wandahall4435
    @wandahall4435 3 หลายเดือนก่อน

    Sarah ❤❤❤😮😮😮😊😊😊

  • @Devie-tx8ri
    @Devie-tx8ri 3 หลายเดือนก่อน

    Impulse Purchases. If you include this in your budget for those random exciting unexpected items then you can make a choice throughout your shopping trip. Budget $30. One thirty dollar item vs two fifteen dollar items. If that makes sense.

    • @Devie-tx8ri
      @Devie-tx8ri 3 หลายเดือนก่อน

      Then you get to reward yourself, instead of always being stuck on a budgeted list of needs.

  • @debraclark8754
    @debraclark8754 3 หลายเดือนก่อน

    I'm sma senior citizen there are alot of places that provides discounts. Always ask 😊

    • @saraconklinfrozenpennies
      @saraconklinfrozenpennies  3 หลายเดือนก่อน

      Yes!!! I always ask for my husband. He’s a senior citizen 😊

  • @surekhagalagoda4047
    @surekhagalagoda4047 3 หลายเดือนก่อน

    The balance in my purse at the end of the month goes into a till which adds up in time. If I use it during the month I ensure that I replace it. When buying veggies I check on the prices and buy the cheaper ones. I am not enticed by sales at clothes shops.
    Yes I am at the moment trying to get into two side hustles.

  • @surekhagalagoda4047
    @surekhagalagoda4047 3 หลายเดือนก่อน

    I wanted to download but I cannot get it.pls help.

  • @KerryJames-l6z
    @KerryJames-l6z 3 หลายเดือนก่อน

    Guess must be better in finances then i thought

  • @danibryant9318
    @danibryant9318 2 หลายเดือนก่อน

    Can I send you a private email? Love your work