I just finished paying off my credit card debt yesterday morning!!!! I am 50 years old and this is the FIRST TIME in my adult life that i didn't have credit card debt!!!! It was 15000 when i started!!!!!!! OMG IT FEELS SO GOOD!! thanks for your part in making this happen for me!
Congratulations!! It's SUCH a good feeling. I cried when I got that last statement and it said Balance due: $0.00 That was 2 years ago. I was 48 and like you, it was the first time in my adult life that I had no debt. You can be proud and yell it from the roof tops!
We are retired and had two cars. We now have one car and plan our appointments around that. We gave the other one to our grandson who needed a car. Love it!
Buying a car you can afford is very important. I learned this the hard way. I bought a car that was way too expensive. It broke my wallet and costs me lots of unnecessary stress.
I have a whole bunch of cardigans in different colors. I find that I now only wear two of them...One in black, the other in a dark brown. Between the two colors, they go with everything l have!
In my planner I keep track of any money spent plus I put a big 0 on days I dont spend money plus I want at least 15 plus days that have the big 0 on them.
I haven't commented in a while..but I never miss a video..as a newly single mom (we've been separated about 6 months) and now my place of work has closed because of covid..and yea also I've run out of unemployment...your videos are always a reassurance that I can do it and im not alone...thanks to having an emergency fund im ok right now and is because you where the inspiration for that ...thank you so much for every video you do.
@@christineburm3583 Thank you so much...and YES..day by day is what I need to focus on right now..specially since also the kiddos are still virtual learning in my state.
I retired Dec. 2019. Before covid, I so enjoyed all of the additional programs set up at the public library for free or minimal cost.. Movies, yoga, etc. I so miss that. Hopefully, we will be able to get to doing those things again the future.
Hi Ellie. I saw your comment & had to respond. We do too. My little 6 year old loves the library and all of their free activities for kids. I can’t wait for them to open again.
I enjoy your videos. However, I wish you would encourage local shopping: more community jobs, spend less money, if you must return it -- more apt to do it break the on-line addiction. Secondly: encourage viewers to think about their environmental impact in every decision. Did you know you can buy shampoo & conditioner and deodorant bars? No plastic! Also un-paper towels? Or simply use rags? Thanks for all you do.
I got me a 35 dollar couch, 2.50 kitchen aid deep fryer a 20 dollar kitchen aid mixer, a 12 dollar kitchen aid toaster with the 4 slots. Everything just go to the nicer areas.
Awesome content 💪. Got 22 more months until my home is paid off!! Thank you for lighting a fire under me to be super excited about being completely debt free at 44. Thank you so much for your inspiring videos 🙏. Hi from sunny South Africa 🌈
Here's a tip if you want a warmer feeling home with a thermostat turned down at night. Ours is set at 62 in winter at night and 65 by day. Before bed I boil one pot of water per bedroom and set it on the heat vent, then shut the bedroom door. The humidity off the water makes a huge difference in how much warmer the rooms feel as we lie down for bed. The water also evaporates thru the night so not as many dry air nosebleeds or discomfort upon waking. The "old" water is used in a load of wash or to water plants indoors or water for dog and cat. It's a many wins situation! LOVE YOUR VIBES AND CHANNEL!!!
Since COVID I’ve been going to work and home. Money is spent on groceries and that’s it. The next couple of years are no buy years while I pay off my mortgage and invest.
👍🏼 The best thing I ever did when I was raising my kids on my own was meal plan. I went thru all the flyers and made my menu according to what was on sale. Now they are grown and I am remarried, my husband and I don’t shop until we sit down and plan our dinners for the week. We shop once and that keeps us from being in the store every other day spending unnecessarily.
I just recently found you. I was scrolling thru TH-cam and your videos made me realize this was exactly what I was needing. Your videos keep me going when I want to spend money. Thank you for your inspiration! One thing I have done for years with frugal/minimalistic living, I have gotten rid of a ton of clothes and save a lot of money every year. During the first week of October, I turn ALL of my hangers backwards and when I’ve worn it I hang it back up the regular way. The next year, the first week of October, I take down every piece of clothing that is still hanging backwards and donate or sell them. I’ve saved a ton of money and made more room in my closet as well. Love your videos! Thanks for your inspiration!
Great video, thank you! A couple of tips for frugal travel: 1. Do not eat out if at all possible... pack a cooler with food and drinks. Stop off at picnic areas or scenic spots to have a bite to eat... so much more pleasant to enjoy the scenery and sunshine than to sit in a fast food place! 2. Camp or stay at a friend’s place, instead of staying in a hotel or motel. If this isn’t an option, check into verbo or Airbnb... oftentimes, this can be a better value than a hotel; especially if there are several people in your party. 3. Go to state parks or national parks, instead of expensive outings on your trip. Visit free or inexpensive museums. Historical monuments are a great idea, especially for families with kids! Vacation and field trip in one!
I’ve been terribly tempted to clothes shop recently. But, I’ve been taking clothes and mixing it up so I always have a little something different every day. I’ve just been telling myself that I might treat myself to a couple of items this summer. The carrot 🥕 at the end of the stick.
You’re certainly right about who we hear financial advice from affecting how we take it in. You are so positive, and you make frugal living sound like fun! Thanks!
Kate, you are so amazing! You’ve actually changed my life. Your vibrant personality and positivity, AND all the wonderful information you share have changed my life. Thank you, thank you!!
My husband cuts my hair when I need a trim and over quarantine I did all his haircuts but as his hairline as started to recede more he decided just to buzz it and he jokes that he minimalized his hair and any products associated with it lol
With you extra $100 toward principle you could get your amortization chart out and see how far ahead each extra payment takes you. Especially now at the beginning of your mortgage the amount going to principle each month is minimal. So, an extra principle payment of $100 could jump you forward 2 or 3 months if not more. That’s always a nice thing to see.
Yes!!! First car was a Toyota Carolla Bubbles (paid off sold to someone who races cars) , Toyota Yaris is Dakota (paid off and my mom is driving) and Rav 4 (my dream car/paid kff) Ms. Adventure! The Mazda was Zoom Zoom and the Ford was Cyclone!
I am a huge impulse purchaser...so I return a lot. Also shopped my closet. I know everything fits now and I got it organized so that I know my choice will be a good one.
I finally got serious with my grocery budget and for everything I need plus cat food and litter cost me $55.49 bought extra of the same items put receipt on fridge going to see how long my food screeches. Already ate through freezer and pantry.
Don't use it all though! I did that and then boom the pandemic happened and I had to pay double for some things, then this past week it's need -40 all week and I didn't have to go out because we had food in the pantry.
You have the absolute best energy. :D I never actually realized I live frugally cuz I never did it on purpose. But here in Romania, Eastern Europe, we are taught to apply a lot of what you're saying from a young age.
@@KateKaden Definitely, our country has been through communism so it taught our parents the meaning of saving up and making do with the little you had. This was also passed onto me and I've been through severe poverty once but came out on the other side and doing well currently - your tips should be heard by everyone. I firmly believe with the way some people are spending, they are one paycheck away from financial disaster. Great channel - I have binge watched several of your videos and subscribed :D
I’m not in debt, so I’ve never really made a budget until this year. I’m on a no/low spend year and am going to track every dollar and pay attention to what I spend. It’s eye opening to both those in and not in debt.
I do name my cars! I'm currently driving a 2008 white Pontiac Vibe named Betty. (Betty White...get It?) I named her after Betty White because she's old and still working.... Lol
I just sold my white Pontiac vibe she had almost 400,000 miles and the ones who bought marshmallow said she is still the most awesome car ever doing maintenance and caring foe the things we have makes this possible for someone else and the one who bought her is debt feee and the car I have now is debt free win win
Sorry, this will be a long comment. We once bought a brand new car. It was a lemon. Constantly in the shop for the first two years. But we ended up driving it for just over 12 years before we traded it in on a different car for my daughter. Decided to never buy a new car again. In June 2019 we bought a 2018 Toyota Sienna. Bought the best extended warranty we could get. Traded in a 2010 Toyota Sienna and a 2009 Toyota Venza, paid cash for the balance. The reason for buying such a new vehicle was I was tied of always fixing older vehicles. My husband wanted to go older and cheaper, but the repairs always fall on me. I usually end up spending at least half a day in the city waiting for the repairs to be done, or driving to the city twice in one day. This takes away from my business (self employed). So far, after over 1 1/2 years the only work we have had to do is regular maintenance and recall work. The reason for buying the extended warranty, everything is now electric and computerized in these newer vehicles. I had the electric sliding doors go on my old van. It cost me $1300 just to get them to disconnect the motors so we could use the doors manually. It would have cost three times that to get new motors put in. That would have all been covered under warranty, which would almost pay for the warranty by itself. All that to say, buying cheap isn’t always the best option if you can afford to buy better. Sometime peace of mind is worth the extra $$. On another note, I paid off my only debt yesterday, $45,000 we borrowed to buy a different house in October 2019. It feels really good.
My water heater is shut off except when I shower (every other day) and run the dishwashe (every few days). Not a big household here so I can get away with this - also live in FL so don't have to worry about pipes freezing. I have done this for the past 15 years - among many other frugal things :)
Watching/following you exactly a year now ☺️and totally adopted this new way of living and already reached some goals 😀thank you so much for inspiring, motivating and uplifting and just being there 🙏❤️
Trading/bartering has helped me get and remain out of debt.. I trade catnip toys for produce, hemming pants for a piece of ironstone pottery...let your friends know what you can offer...Also, I don't like to cook so do bulk cooking of protein, freezing most in one or two portions...cook once eat for a month with very little extra effort
Frugal people never lease cars and don’t normally take on car payments. Learned that lesson the hard way. The one thing that stopped me from living paycheck to paycheck was paying cash for cars. If I can’t pay cash, I can’t afford it.
#8 SAVE THE RECIEPT. I tend to have returns because I will go to a store and buy more than I need to get a job done then when I'm done what I didn't use will get returned for the simple fact that I don't have to go back and forth to the store burning gas time and not getting the job done.
Oh my gosh Kate my first car was a 70 Chevy Malibu that I paid $500 for when I was 15. By the time I was 16 my dad had it all fixed up for me and I had it painted midnight blue!! I loved that car!
Am almost done with my housing loan and planned a new can on loan. But later I changed my plan. I will stick on to my old car as long as I can. It will serve the purpose perfectly for another 100000 miles easily, with some maintenance. Even if I change my car later, it won't be a new one but I prefer a used can in good condition and that too on cash. I think I've started enjoying the debt free life.
The simplest way to save money is to round up your expenses in your checking register. I do this, beginning January 1st., and balance my account in late December. It's the easiest way to save and you'll never miss it.
I was almost debt free, then I started couponing. It was fun. I was buying things I didn't need because it was a bargain. Then started shopping just for the hell of it as a stress reliever. $10k later on credit cards.... Well I'm starting over again. No cable/internet at home, only my phone's data plan. I did just move into a larger home but it's also newer so utility bills have actually gone down. It's always good to hear how other people are succeeding at saving, thanks for sharing this list.
Awesome tips. Just caution is you are going to meal plan and cook in bulk make sure your fridge is working well. You do not want to waste you food and the energy you used prepare them.
Just come home after a 9.5 hour shift at work where I spent no money at all & when I got home there was a ready meal macaroni cheese in the freezer that can be oven cooked from frozen if it’s in for 45 minutes. That’s my dinner tonight. Another day of no spending and shopping my own freezer.
I have gone around the house and literally have unplugged almost anything I can find that doesn’t need to be plugged in…. My family thinks I’m crazy!! Can’t wait to see what the electric bill is next month 😂😂
Love your positive vibes!! Debt free journey here! One out of four credit cards gone 🔥 btw I’d love to quote your home & auto insurance as I’m a single mama as an independent insurance agent. So many of my families pay over $800/yr more without knowing !!
Also,reassess if you really need a car.we live in chicago,and we have great public transportation. Parking here is either outrageously expensive,or not happening. Plus,with a vehicle,there are more costs than just payment.gas.maintenance.license.insurance.registration.emissons.parking.it adds up fast. Another tip to save money,buy the best possible quality the first time. Buy good quality shoes,underwear,mattress,pots and pans,cutlery,laundry soap,dish soap,trash bags.these you cannot cheap out on.
My son named my black Ford Edge, The Black Pearl. Big Disney fans and I get a kick out of thinking I have a ghost ship for a suv. I even have a pirate ship vanity plate, gives it some personality. :)
My tip for my friends is if you buy something know the return policy and shipping policies. If you shop and decide you don't need or like it make the returns. Money returned is like money not spent. Also look for unused items in your home prior to purchasing gifts.
I would totally agree about buying used. I have purchased almost all of our furniture, my son's wardrobe for 13 years, cars, household items thrifted or used and have saved at least $50,000. or more over 35 or so years. I always get a vehicle 2-4 years old after the original owner has fixed any problems and have never needed to fix anything on them and generally keep them another ten years on average. I know a lot of people feel the need to get a new car pretty frequently, but for me, I'm just sitting in it and not trying to impress anyone. My furniture, I love vintage and antique and it is so sturdy and well made and if I have to reupholster, that's fine with me. My son's clothes and half my wardrobe and more than half my husband's is all thrifted. Many items brand new with tags and I only buy it if it looks basically new. My husband is white collar and brand new shirts can be $40-50.00 so I slowly started buying all of his shirts thrifted and he never even noticed and now loves it. I've even found $150.00 shirts with tags still on. Definitely skip the salon for our house and we do frugal vacations by getting a room with a kitchen and doing a lot of free things. I've done some wonderful hand made gifts. I try not to even use the lights during the day. Coffee is where we do spend, for coffee at home we love Nespresso and bonus we can't stand coffee anywhere else, lol. I do like her list, there are so many ways to save. I do put things in the cart and wait on them and usually remove them later.
Oh a tip I just learned this week. If your currently working at home call your car insurance and let them know. If you were previously working at a job site. This will reduce your cost! I had no idea until I called my car insurance to pay for 6 months at once. (No payments for 6 months Yeah!!!) and they asked a few questions and what do you know... they lowered my insurance by $8 a month!
I'm debt free except for my house. I'm in the same boat as far as emergency fund. But after I save I'm hitting that house debt head on. In times like these I don't want to owe anything to anyone. Taxes went up here too.
Hi Kate! That was a great article full of such helpful tips. The only one I pretty much use them all. Meal planning & having a budget I think we’re the best 2 tips. Doing both can save you sooo much money. Nice job.
I Love you videos. I drive a 2010 Malibu ( Sue the Malibu) If I ever use a credit car it has 0% interest and I make sure that it is paid off way before any interest is added on. I make sure that there is at least 1 day a week that I do not spend anything. It is all about learning to live within or below your means.
@@KateKaden The one thins about "sue" is when her headlights need to be replaced it is costly! The front bumper has to be removed, what happened to the good ol' days when you could just stick your hand inside and replace the bulb? LOL
I watch all the ladies you mentioned and while I enjoy their content, I relate the most to you. I think it because you are not extreme in anything and I am. It either. Thanks for all the work you do!
Happy Friday 🌟 My no spend month went overall well besides unexpected vet bills but that’s why I have a sinking fund for my dog 🐶 it’s awesome you’re able to support your friend that’s a stylist. I’m a stylist myself and this year has been so hard- it’s always a treat when my friends are able to come in & I can spend sometime with them / make them feel beautiful. Have a great weekend 💚
Vet bills! Yes inevitable! Lol. Man we love our pets. Gotta do it. Thank you so much for watching! Have an amazing weekend! Drop in for the live Sunday if you feel like it:)
I just finished paying off my credit card debt yesterday morning!!!! I am 50 years old and this is the FIRST TIME in my adult life that i didn't have credit card debt!!!! It was 15000 when i started!!!!!!! OMG IT FEELS SO GOOD!! thanks for your part in making this happen for me!
Congratulations!! It's SUCH a good feeling. I cried when I got that last statement and it said Balance due: $0.00 That was 2 years ago. I was 48 and like you, it was the first time in my adult life that I had no debt. You can be proud and yell it from the roof tops!
@@sunflowerfields4409 thanks!! Go us!!
That is so awesome!
Heather, that is awesome. Yay for you.
So proud of you! Hugs from Sweden ♥️♥️
It is amazing to not have a car payment. I never want car payments again.
I have no idea. I never had one.
That's my goal! One more pmt on CC debt .. then my car Is next! I have always had a car payment since college and I'm ready to end that!
I am not a workaholic. I cannot do a part time job. I get so stressed. I don’t know how you do it girl. I love my free time and need it to recharge.
It’s so hard sometimes!!!😩😩
We are retired and had two cars. We now have one car and plan our appointments around that. We gave the other one to our grandson who needed a car. Love it!
Buying a car you can afford is very important. I learned this the hard way. I bought a car that was way too expensive. It broke my wallet and costs me lots of unnecessary stress.
Tip : in the winter , lower thermostat at nightime and put on more blankets to save on electric bill .
I'm on track to pay off My car in June!!!
Best item in my wardrobe from a finance perspective is a little black cardigan I have that goes with almost everything I own.
I have a whole bunch of cardigans in different colors. I find that I now only wear two of them...One in black, the other in a dark brown. Between the two colors, they go with everything l have!
In my planner I keep track of any money spent plus I put a big 0 on days I dont spend money plus I want at least 15 plus days that have the big 0 on them.
No spend challenges and pantry purges go together really well!
"debt free is the way to be" that would be great on a shirt or something.
I would buy that!
Kate, you really need that slogan on some of your tshirts!!!
I haven't commented in a while..but I never miss a video..as a newly single mom (we've been separated about 6 months) and now my place of work has closed because of covid..and yea also I've run out of unemployment...your videos are always a reassurance that I can do it and im not alone...thanks to having an emergency fund im ok right now and is because you where the inspiration for that ...thank you so much for every video you do.
Sending you good vibes. I wish you well. Day by Day! Great job on having the emergency fund. Smart!!!!
@@christineburm3583 Thank you so much...and YES..day by day is what I need to focus on right now..specially since also the kiddos are still virtual learning in my state.
Sending you hugs and good vibes x
@@cherieroatz4233 Thank you.. that's so kind of you.
@@edithperez999 Hope things work out for you. Best wishes from Ireland 🇮🇪
I had a car named Sloppy Joe! The windows wouldn’t roll down and the air didn’t work.
Pam Mayberry...'Sloppy Joe'...😂😂😂😂😂😂😂 !!!!!
That’s an amazing name. Haha
Tip : to conserve water and lower your water bill , shut water off between shampooing and lathering up . Dont keep water running constantly !!.
Tip : dry clothes on clothes rack instead of using dryer or hang clothes outside when weather permits .
:)
You can absolutely never have enough frugal tips!
Yasss!!!!🙌😻
I retired Dec. 2019. Before covid, I so enjoyed all of the additional programs set up at the public library for free or minimal cost.. Movies, yoga, etc. I so miss that. Hopefully, we will be able to get to doing those things again the future.
Hi Ellie. I saw your comment & had to respond. We do too. My little 6 year old loves the library and all of their free activities for kids. I can’t wait for them to open again.
Me tooooo!🥰🥰
I am in the same boat. Just retired. So miss the library.
I enjoy your videos. However, I wish you would encourage local shopping: more community jobs, spend less money, if you must return it -- more apt to do it break the on-line addiction.
Secondly: encourage viewers to think about their environmental impact in every decision. Did you know you can buy shampoo & conditioner and deodorant bars? No plastic! Also un-paper towels? Or simply use rags?
Thanks for all you do.
Amazon "buy used" who knew!?!?! Life changing!!
Frugal tip : Shop at goodwill for clothes , appliances , and furniture . You can save so much money like this . They have great deals there .
I got me a 35 dollar couch, 2.50 kitchen aid deep fryer a 20 dollar kitchen aid mixer, a 12 dollar kitchen aid toaster with the 4 slots. Everything just go to the nicer areas.
St Vincent de Paul is very good, and has great discounts.
Awesome content 💪. Got 22 more months until my home is paid off!! Thank you for lighting a fire under me to be super excited about being completely debt free at 44. Thank you so much for your inspiring videos 🙏. Hi from sunny South Africa 🌈
Omg that's so exciting!
You go get it done! From a fellow South African with love 😘
Here's a tip if you want a warmer feeling home with a thermostat turned down at night. Ours is set at 62 in winter at night and 65 by day. Before bed I boil one pot of water per bedroom and set it on the heat vent, then shut the bedroom door. The humidity off the water makes a huge difference in how much warmer the rooms feel as we lie down for bed. The water also evaporates thru the night so not as many dry air nosebleeds or discomfort upon waking. The "old" water is used in a load of wash or to water plants indoors or water for dog and cat. It's a many wins situation! LOVE YOUR VIBES AND CHANNEL!!!
THANK YOU SO MUCH BETH! You rock!
I think I could get through the rest of my life without buying any more clothes.
Since COVID I’ve been going to work and home. Money is spent on groceries and that’s it. The next couple of years are no buy years while I pay off my mortgage and invest.
👍🏼 The best thing I ever did when I was raising my kids on my own was meal plan. I went thru all the flyers and made my menu according to what was on sale. Now they are grown and I am remarried, my husband and I don’t shop until we sit down and plan our dinners for the week. We shop once and that keeps us from being in the store every other day spending unnecessarily.
Yass! I love this Jodie!
I just recently found you. I was scrolling thru TH-cam and your videos made me realize this was exactly what I was needing. Your videos keep me going when I want to spend money. Thank you for your inspiration!
One thing I have done for years with frugal/minimalistic living, I have gotten rid of a ton of clothes and save a lot of money every year. During the first week of October, I turn ALL of my hangers backwards and when I’ve worn it I hang it back up the regular way. The next year, the first week of October, I take down every piece of clothing that is still hanging backwards and donate or sell them. I’ve saved a ton of money and made more room in my closet as well. Love your videos! Thanks for your inspiration!
Bridgette, thank you so much🙏❤️ I’m so glad you’re here! And I love the hanger plan!!!
We turn lights off if we are not in a room and we have solar panels!
Great video, thank you! A couple of tips for frugal travel: 1. Do not eat out if at all possible... pack a cooler with food and drinks. Stop off at picnic areas or scenic spots to have a bite to eat... so much more pleasant to enjoy the scenery and sunshine than to sit in a fast food place!
2. Camp or stay at a friend’s place, instead of staying in a hotel or motel. If this isn’t an option, check into verbo or Airbnb... oftentimes, this can be a better value than a hotel; especially if there are several people in your party.
3. Go to state parks or national parks, instead of expensive outings on your trip. Visit free or inexpensive museums. Historical monuments are a great idea, especially for families with kids! Vacation and field trip in one!
I have a travel tip for people who fly : book tickets far in advance to get the best deal . Check as many airlines as you can to get the best price .
For me - using what I already have was such a game changer!
My Mom had an old Buick she named Jezebel. The transmission was going out, and she shifted gears only when she wanted to! Lol
I’ve been terribly tempted to clothes shop recently. But, I’ve been taking clothes and mixing it up so I always have a little something different every day. I’ve just been telling myself that I might treat myself to a couple of items this summer. The carrot 🥕 at the end of the stick.
You’re certainly right about who we hear financial advice from affecting how we take it in. You are so positive, and you make frugal living sound like fun! Thanks!
I love watching your energy. You make frugal fun.
Thank you sooo much Carol😁😁😁
She is just a ray of positivity isn t she? 😊😊
Kate, you are so amazing! You’ve actually changed my life. Your vibrant personality and positivity, AND all the wonderful information you share have changed my life. Thank you, thank you!!
I agree with you !
Anne! I just got teary 😭😭 Thank you so so much for telling me this! I appreciate you so much🥰🥰
My husband cuts my hair when I need a trim and over quarantine I did all his haircuts but as his hairline as started to recede more he decided just to buzz it and he jokes that he minimalized his hair and any products associated with it lol
Lol! Love this!
With you extra $100 toward principle you could get your amortization chart out and see how far ahead each extra payment takes you. Especially now at the beginning of your mortgage the amount going to principle each month is minimal. So, an extra principle payment of $100 could jump you forward 2 or 3 months if not more. That’s always a nice thing to see.
Yes!!!
First car was a Toyota Carolla Bubbles (paid off sold to someone who races cars) , Toyota Yaris is Dakota (paid off and my mom is driving) and Rav 4 (my dream car/paid kff) Ms. Adventure! The Mazda was Zoom Zoom and the Ford was Cyclone!
I am a huge impulse purchaser...so I return a lot. Also shopped my closet. I know everything fits now and I got it organized so that I know my choice will be a good one.
Ooooh I love this Ashley!!!
I finally got serious with my grocery budget and for everything I need plus cat food and litter cost me $55.49 bought extra of the same items put receipt on fridge going to see how long my food screeches. Already ate through freezer and pantry.
Love this!!!
Don't use it all though! I did that and then boom the pandemic happened and I had to pay double for some things, then this past week it's need -40 all week and I didn't have to go out because we had food in the pantry.
I had a white VW Beetle convertible and I named her Truly Scrumptious (after the character from Chitty Chitty Bang Bang)
You have the absolute best energy. :D I never actually realized I live frugally cuz I never did it on purpose. But here in Romania, Eastern Europe, we are taught to apply a lot of what you're saying from a young age.
Oh I love this! Thanks for being here Cristina!
@@KateKaden Definitely, our country has been through communism so it taught our parents the meaning of saving up and making do with the little you had. This was also passed onto me and I've been through severe poverty once but came out on the other side and doing well currently - your tips should be heard by everyone. I firmly believe with the way some people are spending, they are one paycheck away from financial disaster. Great channel - I have binge watched several of your videos and subscribed :D
I haven't bought tissues in 7 years. I use washable cloth handkerchiefs.
I’m not in debt, so I’ve never really made a budget until this year. I’m on a no/low spend year and am going to track every dollar and pay attention to what I spend. It’s eye opening to both those in and not in debt.
Yes totally Cleo! So eye opening! ❤️❤️
You are going to love the next book. It is all about watching what you spend😍
I just bought a car for 1200 I did have to get brakes oil change but it runs really good
If you take care of it your 1,200 dollar car will get you where you want to go for a long time.
That’s great! So long as it gets you where you need to go!
I do name my cars! I'm currently driving a 2008 white Pontiac Vibe named Betty. (Betty White...get It?) I named her after Betty White because she's old and still working.... Lol
lol
I just sold my white Pontiac vibe she had almost 400,000 miles and the ones who bought marshmallow said she is still the most awesome car ever doing maintenance and caring foe the things we have makes this possible for someone else and the one who bought her is debt feee and the car I have now is debt free win win
@ _Cathy Phillips_
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I totally *STAN* me some Betty White. She's a total Bad Ass.
Sorry, this will be a long comment. We once bought a brand new car. It was a lemon. Constantly in the shop for the first two years. But we ended up driving it for just over 12 years before we traded it in on a different car for my daughter. Decided to never buy a new car again. In June 2019 we bought a 2018 Toyota Sienna. Bought the best extended warranty we could get. Traded in a 2010 Toyota Sienna and a 2009 Toyota Venza, paid cash for the balance. The reason for buying such a new vehicle was I was tied of always fixing older vehicles. My husband wanted to go older and cheaper, but the repairs always fall on me. I usually end up spending at least half a day in the city waiting for the repairs to be done, or driving to the city twice in one day. This takes away from my business (self employed). So far, after over 1 1/2 years the only work we have had to do is regular maintenance and recall work. The reason for buying the extended warranty, everything is now electric and computerized in these newer vehicles. I had the electric sliding doors go on my old van. It cost me $1300 just to get them to disconnect the motors so we could use the doors manually. It would have cost three times that to get new motors put in. That would have all been covered under warranty, which would almost pay for the warranty by itself.
All that to say, buying cheap isn’t always the best option if you can afford to buy better. Sometime peace of mind is worth the extra $$.
On another note, I paid off my only debt yesterday, $45,000 we borrowed to buy a different house in October 2019. It feels really good.
I totally agree! Sometimes cheap is not the answer. Thank you so much for watching and sharing with us! Loved hearing your story!❤️ Kate
Sometimes I bulk cook grains in my rice cooker, to add to stuff all week
I’m adding lentils to the soups that l make; it helps to bulk it up and it’s very tasty with them in it!
My water heater is shut off except when I shower (every other day) and run the dishwashe (every few days). Not a big household here so I can get away with this - also live in FL so don't have to worry about pipes freezing. I have done this for the past 15 years - among many other frugal things :)
Tip : put timer on hot water heater so the water doesnt heat water 24/7 . You can save alot on electric bill .
Watching/following you exactly a year now ☺️and totally adopted this new way of living and already reached some goals 😀thank you so much for inspiring, motivating and uplifting and just being there 🙏❤️
Trading/bartering has helped me get and remain out of debt.. I trade catnip toys for produce, hemming pants for a piece of ironstone pottery...let your friends know what you can offer...Also, I don't like to cook so do bulk cooking of protein, freezing most in one or two portions...cook once eat for a month with very little extra effort
Oooh good idea! Trading/bartering!
I am a nail tech and i barter with friends. I do their nails and they give me meal prep meals , dog grooming etc.
You saved my financial life. I’ve learned to rethink my finances thanks to you.
Pat!!!!! This means the world to me to hear this! You just made my year. So happy to be helpful🥰❤️
I never knew if I buy used is frugal I bought name brand jeans at the salvation army for .25 a piece
Frugal people never lease cars and don’t normally take on car payments. Learned that lesson the hard way. The one thing that stopped me from living paycheck to paycheck was paying cash for cars. If I can’t pay cash, I can’t afford it.
I hear that! I messed up and leased too once. Ahhh!!!
#8 SAVE THE RECIEPT. I tend to have returns because I will go to a store and buy more than I need to get a job done then when I'm done what I didn't use will get returned for the simple fact that I don't have to go back and forth to the store burning gas time and not getting the job done.
I combine trips to save on gas and wear and tear on the car.
Oh my gosh Kate my first car was a 70 Chevy Malibu that I paid $500 for when I was 15. By the time I was 16 my dad had it all fixed up for me and I had it painted midnight blue!! I loved that car!
No way! I loved mine too!!!😍😍😍
Am almost done with my housing loan and planned a new can on loan. But later I changed my plan. I will stick on to my old car as long as I can. It will serve the purpose perfectly for another 100000 miles easily, with some maintenance. Even if I change my car later, it won't be a new one but I prefer a used can in good condition and that too on cash. I think I've started enjoying the debt free life.
I totally name my cars, currently, I ride with Theo! And Theo is paid off as of March of this year!
The simplest way to save money is to round up your expenses in your checking register. I do this, beginning January 1st., and balance my account in late December. It's the easiest way to save and you'll never miss it.
In a couple of months, I'll be debt free, except for my mortgage. I'm hoping to have it finished by November, my 65th birthday.
a glass of wine, a movie...hold hands....that's one classy way Kate got away with saying "Netflix & Chill"
🤣🤣🤣 just died...
😂 Infinite 😂
😂
I was almost debt free, then I started couponing. It was fun. I was buying things I didn't need because it was a bargain. Then started shopping just for the hell of it as a stress reliever. $10k later on credit cards.... Well I'm starting over again.
No cable/internet at home, only my phone's data plan. I did just move into a larger home but it's also newer so utility bills have actually gone down.
It's always good to hear how other people are succeeding at saving, thanks for sharing this list.
🥰🥰thank you so much for sharing with us!
I love your videos so much I give you a thumbs up even if I don't watch it all 😊
Awesome tips. Just caution is you are going to meal plan and cook in bulk make sure your fridge is working well. You do not want to waste you food and the energy you used prepare them.
Yep I am taking a good look at my pantry
Yasss!!!😁
Shop what ya have🙂
Just come home after a 9.5 hour shift at work where I spent no money at all & when I got home there was a ready meal macaroni cheese in the freezer that can be oven cooked from frozen if it’s in for 45 minutes. That’s my dinner tonight. Another day of no spending and shopping my own freezer.
High five ✋🏻 for paying your car earlier 👏🏼 I know that feeling 🙋🏻♀️💪🏼💸
I have gone around the house and literally have unplugged almost anything I can find that doesn’t need to be plugged in…. My family thinks I’m crazy!! Can’t wait to see what the electric bill is next month 😂😂
I think it better to have multiple streams of income, because there's more income security that way.
had second walk this year today
Way to go! Love walks.
I like most of these tips and, like you say, it's always good to be reminded even when we're "old hands" at this.
Totally!!!😍😍
Love your positive vibes!! Debt free journey here! One out of four credit cards gone 🔥 btw I’d love to quote your home & auto insurance as I’m a single mama as an independent insurance agent. So many of my families pay over $800/yr more without knowing !!
Also,reassess if you really need a car.we live in chicago,and we have great public transportation. Parking here is either outrageously expensive,or not happening.
Plus,with a vehicle,there are more costs than just payment.gas.maintenance.license.insurance.registration.emissons.parking.it adds up fast.
Another tip to save money,buy the best possible quality the first time.
Buy good quality shoes,underwear,mattress,pots and pans,cutlery,laundry soap,dish soap,trash bags.these you cannot cheap out on.
👍🥰
My son named my black Ford Edge, The Black Pearl. Big Disney fans and I get a kick out of thinking I have a ghost ship for a suv. I even have a pirate ship vanity plate, gives it some personality. :)
Kate, I just have to tell you - I think you are absolutely amazingly wonderful! 👍🙋♀️🥰👏👏👏‼️
Janet, thank you so much for your kindess! Appreciate you!
My tip for my friends is if you buy something know the return policy and shipping policies. If you shop and decide you don't need or like it make the returns. Money returned is like money not spent.
Also look for unused items in your home prior to purchasing gifts.
Thank you so much Kelly!!
CLOTHES! I've got tons of clothes. Top brand names. Our local second hand store sells tops for $1.
Pants $1.
Try second hand. You'll love it!
I would totally agree about buying used. I have purchased almost all of our furniture, my son's wardrobe for 13 years, cars, household items thrifted or used and have saved at least $50,000. or more over 35 or so years. I always get a vehicle 2-4 years old after the original owner has fixed any problems and have never needed to fix anything on them and generally keep them another ten years on average. I know a lot of people feel the need to get a new car pretty frequently, but for me, I'm just sitting in it and not trying to impress anyone. My furniture, I love vintage and antique and it is so sturdy and well made and if I have to reupholster, that's fine with me. My son's clothes and half my wardrobe and more than half my husband's is all thrifted. Many items brand new with tags and I only buy it if it looks basically new. My husband is white collar and brand new shirts can be $40-50.00 so I slowly started buying all of his shirts thrifted and he never even noticed and now loves it. I've even found $150.00 shirts with tags still on. Definitely skip the salon for our house and we do frugal vacations by getting a room with a kitchen and doing a lot of free things. I've done some wonderful hand made gifts. I try not to even use the lights during the day. Coffee is where we do spend, for coffee at home we love Nespresso and bonus we can't stand coffee anywhere else, lol. I do like her list, there are so many ways to save. I do put things in the cart and wait on them and usually remove them later.
I'm reading "clever girl finance" this month!
I'm watching Kate read a list and am enjoying it. How crazy am I?!😄
🤣🤣🤣🤣so glad you enjoyed it!!!!
Big fan of getting experiences for people as gifts 🙂 my partner and I go to a cabaret show for his birthday, and the zoo for mine 😁
I live alone, and I am cooking 2 lbs of beans for chili 🌶️. Cooked ~15 lbs of lean meat to add to meals.
I use my credit card responsibly for years and have a fully funded emergency fund of 6 months.
Tip : dont go to grocery store when hungry because you will overbuy .
I agree!
This is a universal truth but we realise it only after doing it! I don't want go to the grocery store with an empty stomach...
Oh a tip I just learned this week. If your currently working at home call your car insurance and let them know. If you were previously working at a job site. This will reduce your cost! I had no idea until I called my car insurance to pay for 6 months at once. (No payments for 6 months Yeah!!!) and they asked a few questions and what do you know... they lowered my insurance by $8 a month!
Thanks for the tips Kate. I've already started planning my garden. 🌱💚
Love it!!!!❤️❤️❤️
Absolutely 👍🏽 😊
Main thing I can say Eat At Home.
Definitely
I'm debt free except for my house. I'm in the same boat as far as emergency fund. But after I save I'm hitting that house debt head on. In times like these I don't want to owe anything to anyone. Taxes went up here too.
Tip # 75 for saving your money, work from home and your passion happen.
Have a great weekend Bruce!
@@KateKaden Thanks Kate, you too!!
I have Charlotte the Chevy 😂 I also named my succulent plant Cleopatra
Hi Kate! That was a great article full of such helpful tips. The only one I pretty much use them all. Meal planning & having a budget I think we’re the best 2 tips. Doing both can save you sooo much money. Nice job.
Yasss!!!!! Thank you so much Debbie for watching!!! See you soon!!!!
You’re funny, my son and his friends called my Malibu “The Mali-booty” 😊
HAHAHAHA! Love it!
Your enthusiasm and information are infectious! Thank you. I look forward to seeing more and more of your videos. Keep Saving!!
Really enjoy your stuff. Its extremely helpful.
Thank you so much Violeta!!!🥰❤️😍
Hi KK, excellent video, lots of value. My name for my 2006 Ford Escape has been "Nocpa" for the last ten years. "Nocpa" is short for "No car payment".
bought 9 same colour 7 xlarge 2 large tshirts
Yasss!!!
I Love you videos. I drive a 2010 Malibu ( Sue the Malibu) If I ever use a credit car it has 0% interest and I make sure that it is paid off way before any interest is added on. I make sure that there is at least 1 day a week that I do not spend anything. It is all about learning to live within or below your means.
SUE THE MALIBU!!!! Omg I’m dying!!! I love it!!!!
@@KateKaden The one thins about "sue" is when her headlights need to be replaced it is costly! The front bumper has to be removed, what happened to the good ol' days when you could just stick your hand inside and replace the bulb? LOL
My Malibu was named Barbie!
I love that idea about bulk cooking the chicken breasts-- yes!
Yasss! Yum 😋
Me too!!! JS...JS...🌞
I watch all the ladies you mentioned and while I enjoy their content, I relate the most to you. I think it because you are not extreme in anything and I am. It either. Thanks for all the work you do!
Thank you so much Abra!!!🥰😍❤️
bugdetting since oct 2018 now thanks to you i budget below my means saving 40 dollars months
Mary Jane you ROCK!!!!
Happy Friday 🌟 My no spend month went overall well besides unexpected vet bills but that’s why I have a sinking fund for my dog 🐶 it’s awesome you’re able to support your friend that’s a stylist. I’m a stylist myself and this year has been so hard- it’s always a treat when my friends are able to come in & I can spend sometime with them / make them feel beautiful. Have a great weekend 💚
Vet bills! Yes inevitable! Lol. Man we love our pets. Gotta do it. Thank you so much for watching! Have an amazing weekend! Drop in for the live Sunday if you feel like it:)