10 Things To STOP Paying For NOW! | How to Save Money UK

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  • เผยแพร่เมื่อ 24 ก.ค. 2024
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    10 Things you should STOP Paying for Today to Save Money :) ♥. Cut these from your Budget to help you increase your Savings Rate for Financial Independence.
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ความคิดเห็น • 363

  • @TheHumblePenny
    @TheHumblePenny  4 ปีที่แล้ว +8

    ★★ LINKS MENTIONED IN THE VIDEO ★★
    (09:51) - American Express card for Travel Avios points - thehumblepenny.com/AMEX
    (15:45) - 27 Meal Prep Ideas For A Happier Life - thehumblepenny.com/healthy-meal-prep-ideas-easy-recipes-30-minutes

  • @silversurfer6758
    @silversurfer6758 4 ปีที่แล้ว +58

    This is a fantastic channel, offering a UK perspective for independent freedom seekers. Please keep up the good work guys.

    • @TheHumblePenny
      @TheHumblePenny  4 ปีที่แล้ว

      Much appreciated, SilverSurfer! 😊

  • @barrythomas7724
    @barrythomas7724 4 ปีที่แล้ว +102

    Liking the UK based advice and content. Subbed!

    • @TheHumblePenny
      @TheHumblePenny  4 ปีที่แล้ว

      Cheers, Barry! 😀

    • @FreeyourFinance
      @FreeyourFinance 4 ปีที่แล้ว +1

      There are not many content creators in the UK. These guys are definitely one of the best!

  • @AbigailChristineIsrael
    @AbigailChristineIsrael 4 ปีที่แล้ว +77

    Absolutely beautiful couple with excellent knowledge!

    • @TheHumblePenny
      @TheHumblePenny  4 ปีที่แล้ว

      That's a super kind message 😊. Thank you, Abigail.

    • @kerrinewton5074
      @kerrinewton5074 4 ปีที่แล้ว +7

      Beautiful couple I agree!! I think this representation in our community is important 😔😍🥰😍

    • @TheHumblePenny
      @TheHumblePenny  4 ปีที่แล้ว

      Kerri, much love ❤️

    • @dallassukerkin6878
      @dallassukerkin6878 3 ปีที่แล้ว +1

      Aye :nods: Good looking, charismatic and thoughtful people :salute:

  • @ariesmelaninchild3133
    @ariesmelaninchild3133 4 ปีที่แล้ว +10

    Just found your channel and I’m obsessed! Love you two, UK based and realistic. Subscribed!

  • @petc8504
    @petc8504 4 ปีที่แล้ว +18

    Just want to add that it's really important to look after your stuff if you want to keep it as long as possible. My phone is now 6 years old and not a scratch or crack on it, here are my tips: Put a screen protector on straight away. Always keep it in a case. Don't put it your back pocket and risk sitting on it or it dropping down the toilet! Don't walk about typing in to it and risk tripping over. Don't let small children have it at all. Don't walk the dog while staring at the phone, the dog may pull you and you drop it. I know people who've smashed phones in all these ways! Also, only charge it until it's full then unplug it, charging it all the time can be bad for the battery.

  • @lexylaw3404
    @lexylaw3404 4 ปีที่แล้ว +24

    Loving a UK money channel. Loving Mary's hair too 💁🏿‍♀️

  • @paulinesmyth5830
    @paulinesmyth5830 2 ปีที่แล้ว +5

    Ive been chained by debt and my spending for decades now it’s been depressing me for years. For the first time I feel positive that I can stop mindless spending and end the cycle of paying off bills just to run them all back up again a few months later. I need to be free of the stress. So glad I found this channel. I’ve cancelled all but one of my tv streaming channels and I’m not upgrading my phone that’s now paid off 💴 💴 💴

    • @TheHumblePenny
      @TheHumblePenny  2 ปีที่แล้ว

      Pauline, thank you for being brave to share this. On a day like today, this message that posted couldn't be a stronger warning to others. We're glad that our channel is helping you 😊

  • @AnstariaJones
    @AnstariaJones 4 ปีที่แล้ว +4

    What's happening in the world right now has refocused me to develop financial literacy. Happy to have found a UK based channel. Newly subscribed and keen to grow and learn. Glad I'm already doing a few of the tips given!

  • @melcontreras1990
    @melcontreras1990 2 ปีที่แล้ว +2

    New subscriber!! Found your channel yesterday as you were a recommendation on mumsnet for good financial advice. I’m obsessed with overhauling my finances right now and I’ve watched so many of your videos. My phone bill is currently £52 a month, I can’t wait to go to sim only Feb 2023 for much much less. I don’t condition my hair! I find bottles of value double or quad concentrate squash for £1.75 last me over two weeks. My car is old but I look after it, and we get a takeaway maybe every 1-2 months, as my husband is a chef and I love cooking too

    • @TheHumblePenny
      @TheHumblePenny  2 ปีที่แล้ว

      Hey Melissa 👋🏾. Welcome 😊. Lovely to hear that you came across us from Mumsnet. Thank you for watching. Please share our videos with others too.

  • @vivianea6352
    @vivianea6352 4 ปีที่แล้ว +10

    Hey Ken and Mary new sub here🙋🏽‍♀️Nice to see UK based financial advisers. I was seeing more Americans videos. Now I switched. Thank you.

    • @TheHumblePenny
      @TheHumblePenny  4 ปีที่แล้ว

      Hey Viviane, awesome!! Welcome aboard :)

  • @GabbyTarrant
    @GabbyTarrant 4 ปีที่แล้ว +1

    Your channel is amazing ❤️ thank you ☺️ thankfully I do most of these things but always room for improvement

  • @JustFrugalMe
    @JustFrugalMe 4 ปีที่แล้ว +4

    Great video! These are great pointers and advice. I can't wait to see more of your content.

    • @TheHumblePenny
      @TheHumblePenny  4 ปีที่แล้ว

      Thanks for watching 😀. Any particular topics you'd like us to create content on?

  • @rosegumbo683
    @rosegumbo683 4 ปีที่แล้ว +25

    Finally some UK content that I can apply . Great 👍🏿

  • @ranjithramachandran6571
    @ranjithramachandran6571 4 ปีที่แล้ว

    Amazing job guys... I'm glued to your advices ... Thank you

  • @lindseybellamy6374
    @lindseybellamy6374 4 ปีที่แล้ว +5

    I love the the first point about TV its something I have been thinking a lot about recently. I realised I was constantly complaining I didn't have time to do things but when I thought about my day I'd always managed to watch lots of TV shows.
    Now I have been listening to more music and often just appreciating the silence and I have found I have so much more energy!
    I though I was watching TV as a way to relax when I was tired but now I'm realising the TV is what's draining me and by not watching it I'm more productive.

    • @TheHumblePenny
      @TheHumblePenny  4 ปีที่แล้ว +1

      Lindsey, wow that's such a huge point. Most people see tv as a way of relaxing when it isn't at all. Love your new activity of listening to music. I find music so peaceful and inspiring.

  • @TheAtekay
    @TheAtekay 4 ปีที่แล้ว +5

    I’m so cheap that I pay for a second hand car for under £2,500. Bought second hand phone from giffgaff with a 3 month warranty for under £140. And I only pay £1 per week for data, mins and calls😅 The only thing that I need to work on is my food spending as I used to go out for food every week to meet friends😅

  • @christines5430
    @christines5430 4 ปีที่แล้ว +3

    Just discovered your channel today and I am over dosing on it. Thank you!

    • @TheHumblePenny
      @TheHumblePenny  4 ปีที่แล้ว +1

      Hey Christine, that just makes us smile 😊. Enjoy!!

  • @nathanj109
    @nathanj109 4 ปีที่แล้ว +5

    Very natural and I found the video alot more funnier than what i think I should have lol. On top of it all great content to learn from as I'm guilty of many of the 10 things mentioned! Thank you both

    • @TheHumblePenny
      @TheHumblePenny  4 ปีที่แล้ว +1

      😂 we had a lot of fun making this one. In fact, we were more rushed off our feet and had just 30mins to record it. Glad it turned out well and that you enjoyed it

  • @simantha1686
    @simantha1686 4 ปีที่แล้ว +6

    I found your channel and I am obsessed!
    So many good ideas and it really helps that you guys are UK based!
    I started a no-buy journey last year and documented it but now I feel like your channel is making me want to seriously step up my game in becoming more money savvy.

    • @TheHumblePenny
      @TheHumblePenny  4 ปีที่แล้ว +1

      Hi Simantha
      Thanks a lot! 😊. Your content looks great and you communicate well. I think you'd need to fine tune a few things and things will move up a level.
      As for becoming more money savvy, heck yeah! 😉

  • @flp2635
    @flp2635 4 ปีที่แล้ว +2

    Hi Ken and Mary, thanks for your channel guys. Really useful tips!

  • @Mshodeinde
    @Mshodeinde 4 ปีที่แล้ว +2

    Love this channel, you got a new subbie!! Thanks for sharing!!!

    • @TheHumblePenny
      @TheHumblePenny  4 ปีที่แล้ว

      Thank you, Mary 😉. We're glad you love the channel. Let us know if you have any content suggestions.

  • @kayleighmoliver
    @kayleighmoliver 4 ปีที่แล้ว +8

    Great to see you guys in the UK showing that this can work. Most of the FIRE people I follow are U.S. based. Keep up the good work!

    • @TheHumblePenny
      @TheHumblePenny  4 ปีที่แล้ว +1

      Much appreciated, Kayleigh 😀

  • @ukfalc
    @ukfalc 3 ปีที่แล้ว

    Great channel and information. Definitely agree with people questioning their spending and not wasting money , but I also think that life is for living and that it’s important not to become so wedded to the idea that you deprive yourself of enjoyment. 👍

  • @downeyjr4423
    @downeyjr4423 4 ปีที่แล้ว +2

    Love how you guys break everything down. Stay blessed x

    • @TheHumblePenny
      @TheHumblePenny  4 ปีที่แล้ว

      Thanks you much, downney jr! 😀

  • @sungjinkim3338
    @sungjinkim3338 4 ปีที่แล้ว +1

    Really appreciate you guys for taking out the time to make these vids!

    • @TheHumblePenny
      @TheHumblePenny  4 ปีที่แล้ว

      Hi Sungjin
      Much appreciated message 😊

  • @i_love_shiny_things
    @i_love_shiny_things 4 ปีที่แล้ว +1

    Aww you guys are so lovely! Thanks so much for all the fab tips :) x

  • @RandomVideosFirst
    @RandomVideosFirst 4 ปีที่แล้ว

    Really good advice keep it coming, I would also add buying coffees to the list!

  • @8lack8erry1
    @8lack8erry1 4 ปีที่แล้ว +3

    Found you on @mamafurfur you have great and relatable content, new sub! I’m looking forward to all the rest!

    • @TheHumblePenny
      @TheHumblePenny  4 ปีที่แล้ว

      Welcome! 😊. We're happy to have you check out the channel.

  • @BoeyBear
    @BoeyBear 4 ปีที่แล้ว +2

    Great video, Ken & Mary! Didn't expect to see "Juices" as one of the ten but you're right, we stopped drinking juice a few years ago as I guess our palates just changed and they tasted a bit sickly sweet. So it meant a £3 - £5 reduction in the grocery shop each time without any bother! 💛 🐻

    • @TheHumblePenny
      @TheHumblePenny  4 ปีที่แล้ว

      Impressive that you stopped just like that! Most people are hooked on the sugar!

    • @BoeyBear
      @BoeyBear 4 ปีที่แล้ว +1

      @@TheHumblePenny Well, I won't mention how much I spend on chocolate, biscuits and sweets... 😆

    • @TheHumblePenny
      @TheHumblePenny  4 ปีที่แล้ว

      @@BoeyBear 😂😂😂

  • @marietchiongho819
    @marietchiongho819 4 ปีที่แล้ว +1

    I have just discovered your videos, really love them. I have subscribed 🙌🏾

  • @mariancounsellor
    @mariancounsellor 4 ปีที่แล้ว +1

    Looking great guys! Thanks for the tips ❤️

  • @TAHMBEG
    @TAHMBEG 4 ปีที่แล้ว +3

    Omg the whole phone upgrade thing! My dad paid off his phone contract and he somehow assumed an upgrade was due so bought another on a plan??? What a madness! He was so used to this structure with the way mobile companies contact him that now he thinks he's obliged to buy a new one after every year or two loool. Anywho i love your vids, keep it up.

    • @TheHumblePenny
      @TheHumblePenny  4 ปีที่แล้ว

      😂🤣🤣🤣. Generational thing?

  • @sami8327
    @sami8327 4 ปีที่แล้ว

    Your children are extremely lucky. Great channel and excellent UK based advice earned a subscriber :)

  • @anaveragemuppet
    @anaveragemuppet 4 ปีที่แล้ว +1

    Absolutely loving you two and your content, 𝐓𝐡𝐚𝐧𝐤𝐘𝐨𝐮 so much for being on TH-cam xxx

    • @TheHumblePenny
      @TheHumblePenny  4 ปีที่แล้ว

      Much love, Claire 😊💛

    • @anaveragemuppet
      @anaveragemuppet 4 ปีที่แล้ว

      @@TheHumblePenny same right back at you xxx

  • @bmj2424
    @bmj2424 4 ปีที่แล้ว +1

    Mary I love you two you make a lot of sense. I have just upgraded my phone from an iPhone 6. My old phone I had for an extra 2 yrs as there was nothing wrong with it. I have only just in the last week upgraded my iPhone to a 7 yes that right a iPhone 7 128 go. There are out there and I love mine so Mary get a 7 they do everything the 6 and 8 do. Just try and get the bigger memory. My package was unlimited calls and text no upfront costs which I negotiated with my provider and I could have has 25gb data but only opted for 10 and my off line consumption is within this ratio.. So go for it my lovely. Bless you two and may your Chanel go from strength to strength..🙏🏾🙏🏾👏🏾👏🏾🙌🏾🙌🏾 Bev

  • @PedroSantos-bn1gw
    @PedroSantos-bn1gw 4 ปีที่แล้ว +4

    Great video, We fully relate to all points raised, really all points have been at one point debated and we do use water filters for all our tap water consumed more from a health standpoint but we think they turn out to be good value - our girls do like to drink juice so we do purchase 2Ltr pack too to have the option. Phone upgrades agree are a trap as is the insurance they try and throw on top and with a teenage daughter you do find it's a conundrum but a good safety case and screen glass cover will do it! I love your videos and shared this one with my wife 🤗 sowing the money saving seeds for a smarter life. All the best, Pedro

    • @TheHumblePenny
      @TheHumblePenny  4 ปีที่แล้ว

      Hey Pedro, wonderful 😊. We much appreciate your support. You make a good point about insurance. It's yet another thing to pay for on order to supposedly protect these expensive phone upgrade. I'm intrigued about how your household costs have changed as your daughter grew into teenage years. Did costs increase materially? And why?

    • @PedroSantos-bn1gw
      @PedroSantos-bn1gw 4 ปีที่แล้ว +1

      @@TheHumblePenny I believe costs are starting to creep up and is an area that can snowball, mainly from school expenses (A Level books, trips, days out with friends, driving licence at 17, preparing for uni, not having to wear school uniform). When younger, costs were easier to plan for and spread over longer periods such as hobbies like swimming, piano, parties.

    • @TheHumblePenny
      @TheHumblePenny  4 ปีที่แล้ว +1

      @@PedroSantos-bn1gw Gotcha! You should start encouraging her to take up a side hustle early. At that age, they have much better ideas and can connect the dots quicker.

  • @mscocolee
    @mscocolee 4 ปีที่แล้ว +3

    Hey! The home made beauty products you make sound great would love a video on how to make them. As a women who buys a lot of beauty products I am needing to make a saving in this area as a step towards financial independence. Thanks!

    • @TheHumblePenny
      @TheHumblePenny  4 ปีที่แล้ว +1

      Hi mscocolee;
      Thank you for the video suggestion! I will add it to our list of videos to make 😊
      it is so easy spend a lot on beauty products. Good on you for taking steps to change this 👊🏽❤️

  • @elusiveali785
    @elusiveali785 4 ปีที่แล้ว +13

    So refreshing to find a couple that look like mself based in the U.K. my husband and myself need to save more money.

    • @TheHumblePenny
      @TheHumblePenny  4 ปีที่แล้ว

      Great to hear 😊

    • @YOU-ek8uu
      @YOU-ek8uu 4 ปีที่แล้ว

      They are lovely. They always make me smile.

  • @stir1berry
    @stir1berry 3 ปีที่แล้ว

    Hi, just found your TH-cam channel after trying to figure away out of a financial crisis, that's recently started.
    I think many of your ideas are great and follow them myself already.
    Just one question, where is tip 4 of things to stop buying?

  • @01dimster
    @01dimster 4 ปีที่แล้ว +1

    You guys are great only just came across your vids but really inspiring. Uve gained another Sub 👏

  • @craiganderson9382
    @craiganderson9382 4 ปีที่แล้ว +1

    Really liking the content! Need to get back into my passive income!

    • @TheHumblePenny
      @TheHumblePenny  4 ปีที่แล้ว +1

      I have a few videos on the subject 😉

  • @urbansandscript
    @urbansandscript 4 ปีที่แล้ว +1

    Great video, you've really raised a great challenge with regards to TV watching. I'm going to think differently in 2020. You should get a iPhone X or XR.

    • @TheHumblePenny
      @TheHumblePenny  4 ปีที่แล้ว

      Thank you! Let us know what changes you make on the TV front :)

  • @GlobalIntMinistry
    @GlobalIntMinistry 4 ปีที่แล้ว +1

    Thanks for the hard work, lovely couple!

  • @GabRiel14126
    @GabRiel14126 4 ปีที่แล้ว +1

    Love the content of your videos. So informative because of you I started YT and now thinking to do another online job as my second income. Thank you

  • @sksasha
    @sksasha 4 ปีที่แล้ว +1

    Great video. I like to make products too but have not tried a deodorant as yet. My halfway house between the conventional and making my own is a brand called Salt of the Earth Natural Deodorant. They sell it in Holland & Barrett but I buy the large 1 litre refill bottle from Amazon which is far more economical and it lasts for a very long time.

    • @TheHumblePenny
      @TheHumblePenny  4 ปีที่แล้ว

      Great tip re Holland & Barrett. Definitely one to check out.

  • @kateosmond1090
    @kateosmond1090 ปีที่แล้ว

    How interesting you talk about juices. I stopped buying juices over 10nyears ago. I drink tap water. It is very dear to buy juices as most of them are full of sugar too. Water is the best.
    Pre planning meals is one of the things I do. In my budget I find myself having £50 or so left in my envelopes when the month ends.
    Thank you for your advice. Mary you should come up with budget recipes for us.

  • @JustKwamz
    @JustKwamz 4 ปีที่แล้ว

    6:35 Who ran over your phone? hahahaha
    I'm joking, i love the content from you two.

  • @JustClaireGrace
    @JustClaireGrace 4 ปีที่แล้ว +3

    I had a good giggle at Mary's phone. I had an iPhone 6 that was similar in regards to how cracked it was. I could actually see through the phone in one of the corners, lol. It still lasted me 3 years though!

    • @TheHumblePenny
      @TheHumblePenny  4 ปีที่แล้ว +1

      😂 it was properly battered. Sometimes I'd speak with her on the phone and the phone would switch 2mins into the call 🙄

  • @edfinbow
    @edfinbow 4 ปีที่แล้ว

    Great vid! Enjoyed

  • @charliemcfadden1847
    @charliemcfadden1847 3 ปีที่แล้ว +1

    How refreshing to hear simple good advice on budgeting.

  • @nanakwasi9360
    @nanakwasi9360 2 หลายเดือนก่อน

    Thanks guys

  • @lyssamedana2224
    @lyssamedana2224 4 ปีที่แล้ว +1

    Hi, whichever phone you get, I suggest a robust phone case. I have a reconditioned motorola which is actually so far pretty unscathed even though it's been dropped, shoved in bags, shoved in pockets and thrown in drawers. The case cost less than £10 and has been worth every penny.

    • @TheHumblePenny
      @TheHumblePenny  4 ปีที่แล้ว

      Thank you, Lyssa! Simple and effective tip 😀

  • @EzekielCarvalho
    @EzekielCarvalho 4 ปีที่แล้ว +1

    Really really helpful video. Thanks a lot.

  • @ibemennamdi7784
    @ibemennamdi7784 2 ปีที่แล้ว +1

    I love this particular video nice.

    • @TheHumblePenny
      @TheHumblePenny  2 ปีที่แล้ว

      Thank you 😊. What stood out for you in this video?

  • @hayleykenneally3362
    @hayleykenneally3362 4 ปีที่แล้ว +1

    Loved this!!! Thank you

  • @wherethebellsdwell4610
    @wherethebellsdwell4610 4 ปีที่แล้ว

    Great video!! Mary you remind me of Michelle Gayle!! My iPhone 7 Plus is still good as new and contract up in December, I’ll be going SIM only after that. Just had to get my mum a phone so got her a 7 plus refurbished on eBay for £112. Bargain!!

  • @schuylergeery-zink1923
    @schuylergeery-zink1923 4 ปีที่แล้ว +1

    Amen - 3 hours in the evening = 3,000 words of a novel. Creativity + hustle = marketable book $$$

  • @dabzzy
    @dabzzy 4 ปีที่แล้ว +1

    “You dropped it a few times yourself”...Ken: “did I”. 😆

  • @karmabites4702
    @karmabites4702 4 ปีที่แล้ว

    I had the note 3 brand new until 2019..no damage whatsoever n finally was happy to upgrade to the note 10 plus. Dropped that fone possibly a 100 times 😅 but it remained functional with no screen damage at all!

  • @zoetsahai
    @zoetsahai 2 ปีที่แล้ว

    The one I definitely got good with was the juices. I hated water, so I always had to drink some type of juice or drink. But I saw the utter waste of it so I started with tea or lemon and berry water and now I even just drink water. If only I can apply this same principle to the rest of waste in my spending. I will do it! 💪🏾

  • @tracyclinkscales753
    @tracyclinkscales753 4 ปีที่แล้ว +2

    Im going to stop buying juice you make a good point thanks.

    • @TheHumblePenny
      @TheHumblePenny  4 ปีที่แล้ว

      Tracy, great move! You'll never look back 😀

  • @Rleatfitness
    @Rleatfitness 4 ปีที่แล้ว +9

    People paying for a gym but not going need to get a personal trainer 😂 some really great tips in this video great to finally find a UK Financial channel

  • @ItsmsMA
    @ItsmsMA 4 ปีที่แล้ว

    Thanks for this video it’s very informative and I’ve learnt so much. I subbed after watching this - great content. P.S. Mary you look gorgeous. God bless

  • @benj6244
    @benj6244 4 ปีที่แล้ว +13

    Love the enthusiasm of you guys! Dead right with the cars, mobile phones, takeaways etc. I hate seeing people say they can't afford a house but have a leased Audi, iPhone XS and eat out three times a week. I can't agree on the holidays though, I never regret money spent on good experiences :D Keep up the great content.

    • @TheHumblePenny
      @TheHumblePenny  4 ปีที่แล้ว

      Cheers, Ben! Holidays will always remain a debate and I get you 😀. Got any hols planned this year?

    • @benj6244
      @benj6244 4 ปีที่แล้ว

      @@TheHumblePenny centre parcs soon and we'd like summer holiday but will have to see how the side hustle goes! As you guys say, moderation is key

    • @sgist7824
      @sgist7824 4 ปีที่แล้ว +3

      We don't holiday every year, but when we do we never regret it. Precious memories and when we're older we may not have the energy...

    • @TheHumblePenny
      @TheHumblePenny  4 ปีที่แล้ว +2

      You make an important point

    • @Erin-rg3dw
      @Erin-rg3dw 2 ปีที่แล้ว

      Ditto. I don't go overboard on my trips, but I do try to enjoy them without my usual restraint.
      The car payment one makes me chuckle - so many people have these big car payments that 1) could have been avoided by buying a slightly older car, and 2) you don't get anything back for all that payment. I have a friend who recently bought a car wayyyyy outside his price range (it's bad on many levels) and now he's struggling to make ends meet.

  • @rachaelo3882
    @rachaelo3882 4 ปีที่แล้ว +2

    Love this video. Thanks guys. Wow thanks for the meal prep blog mary! Will check it out.
    I agree with mary on the deodrant. I'm not quite making my own yet but they are natural deodorants that work for men and women- Salt of the Earth lasts for 2-3 years. No chemicals or aluminium.
    I think the sim only contracts work out a lot better than the usual phone contracts. I've cut my monthly spend in half.
    Yes we only drink bottled water at home too...must switch to those water filters soon 😲

    • @TheHumblePenny
      @TheHumblePenny  4 ปีที่แล้ว

      Hey Rachael,
      Yeh Mary put a lot of effort into the meal prep post. Definitely one to check out. We will in fact be creating a totally separate food website next year (fingers crossed). So be on the look out 😉.

    • @rachaelo3882
      @rachaelo3882 4 ปีที่แล้ว +1

      @@TheHumblePenny whoop definately will. Mary helped me to switch to shopping in Aldi (with the last video) and i havent looked back since😀

    • @TheHumblePenny
      @TheHumblePenny  4 ปีที่แล้ว

      @@rachaelo3882 hehe that's awesome news! 😊

  • @johnalabi3883
    @johnalabi3883 4 ปีที่แล้ว +2

    New subscriber. Well done both. :)

    • @TheHumblePenny
      @TheHumblePenny  4 ปีที่แล้ว

      Awesome! Welcome, John 😀

    • @johnalabi3883
      @johnalabi3883 4 ปีที่แล้ว

      @@TheHumblePenny
      Thanks God bless you and your family.

  • @1BrotherFromAnotherMother
    @1BrotherFromAnotherMother 4 ปีที่แล้ว +1

    thank you so much for such a great video. i appreciate your vulnerability. the blooper was a gold nugget at the end. lol. ive subbed.

  • @priyachithra2829
    @priyachithra2829 4 ปีที่แล้ว +1

    You guys are amazing 👏

  • @nikkikokkini7017
    @nikkikokkini7017 4 ปีที่แล้ว +1

    Hi Ken & Mary
    Can you please send me the link to Mary’s meal prep ideas

    • @TheHumblePenny
      @TheHumblePenny  4 ปีที่แล้ว

      Hi Nikki, It's in the notes to the video.
      Also here:
      thehumblepenny.com/healthy-meal-prep-ideas-easy-recipes-30-minutes

  • @tgainerjennings
    @tgainerjennings 4 ปีที่แล้ว +3

    I can relate to the phone issue My iphone se looks like someone has been chewing on it, Its cracked up top exposing the camera and the screen has several cracks. sad. My point is it still works.

  • @butterflycake7
    @butterflycake7 4 ปีที่แล้ว +2

    This came up in my recommended, you're both so sweet and genuinely humble, thank you for your ideas :)

    • @TheHumblePenny
      @TheHumblePenny  4 ปีที่แล้ว

      Thanks so much! 😊. Good to read that we are being recommended by TH-cam

  • @tiddlywinks456
    @tiddlywinks456 4 ปีที่แล้ว +1

    Buy a refurb excellent sim only from phone shops on eBay. What’s wrong with iPhone 6, I’ve just upgraded via eBay from a 4s!!

  • @enigmamaa
    @enigmamaa 4 ปีที่แล้ว +1

    Another amazing video! Milk is a good one to make nice and easy oat milk or almond milk made easily from home. £1. 80 is too much to spend for any non diary milk. If anything a cows milk should cost more

    • @TheHumblePenny
      @TheHumblePenny  4 ปีที่แล้ว

      Thank you! 😀. You're absolutely right on milk. We've actually made coconut milk a couple of times and one cocunut actually makes quite a decent amount of milk.

  • @byroncudworth6918
    @byroncudworth6918 4 ปีที่แล้ว +36

    Pay off mortgage early and retire >Fancy German Car and Iphone X.

    • @marjorierushie7737
      @marjorierushie7737 4 ปีที่แล้ว +2

      Paying off a mortgage is not the best thing to do if you want to be wealthy.

    • @eezy251able
      @eezy251able 4 ปีที่แล้ว +2

      @@marjorierushie7737 lol..it most certainly is!! Your biggest wealth building tool is your income. Eliminate debt! Save and invest!

    • @azhalhalil9429
      @azhalhalil9429 4 ปีที่แล้ว

      But what if you like a German car, but only buy 1 expensive one?

    • @joshdawson5201
      @joshdawson5201 3 ปีที่แล้ว

      @@eezy251able Growth at 7% beast paying down a 2% mortgage every time. Mathematically, letting the Mortgage run and investing instead will make you richer year on year.

    • @eezy251able
      @eezy251able 3 ปีที่แล้ว

      @@joshdawson5201 Yes but that's not guaranteed. Paying your house off is.

  • @kewins1234
    @kewins1234 4 ปีที่แล้ว +12

    I see You have books behind you guys! Maybe can recommend some good read ? Maybe make video about this? :P

    • @TheHumblePenny
      @TheHumblePenny  4 ปีที่แล้ว +3

      Sure! About what topic? We read quite widely on specific niches.

    • @kewins1234
      @kewins1234 4 ปีที่แล้ว +13

      @@TheHumblePenny personal finance and investing for UK residents. There are a lot of books out there for US and lots of info is unrelateble ! Thank You for responding!

  • @chaznay1983
    @chaznay1983 4 ปีที่แล้ว +1

    Hiya Mary do you have a link to any of your homemade recipes for hair and body care products? Especially conditioner, deodorant and body cream. I spend alot on these. Thanks

  • @wilsonkusosa2727
    @wilsonkusosa2727 4 ปีที่แล้ว +1

    I use extra virgin olive oil on my skin, hair n cooking, less chemicals the better .

  • @user-xn2cf4xn2r
    @user-xn2cf4xn2r 2 ปีที่แล้ว +1

    You guys are so amazing!

  • @alexgawthrop1748
    @alexgawthrop1748 4 ปีที่แล้ว +1

    Your smiley face Ken just makes me want to listen to every word you say 👍🏼 great couple

  • @yoe-c5x
    @yoe-c5x 4 ปีที่แล้ว +1

    I want to start auditing my time, but not sure how/what tool to use. Could you suggest how you did it please?

    • @TheHumblePenny
      @TheHumblePenny  4 ปีที่แล้ว

      A timesheet app is a way to do it. Good ones include “Harvest” or “Toggl” or “Avaza” etc

  • @WildernessTamed
    @WildernessTamed 4 ปีที่แล้ว +1

    Such a great channel. I haven't owned a TV since 1994. I only caved in and got a computer when I realised I could make money from it. Website/ online store / advertising my business for free in local groups on social media. I seldom buy anything that cant potentially make me money.

    • @TheHumblePenny
      @TheHumblePenny  4 ปีที่แล้ว +2

      Thanks a lot! 😊. WOW, 1994!! 😯. I wish I knew about computers in the very early days.

    • @WildernessTamed
      @WildernessTamed 4 ปีที่แล้ว

      @@TheHumblePenny Hahaha. No the computer didn't come into the house until the late 90's. I made do with the steam radio until then.

  • @___Saint
    @___Saint 4 ปีที่แล้ว +1

    Great video

  • @ellenorcarter8174
    @ellenorcarter8174 4 ปีที่แล้ว

    is there a video on how you made your own beauty products ?

  • @CoffiewithEmma
    @CoffiewithEmma 3 ปีที่แล้ว +2

    Your videos are next to nothing, completely priceless. Life changing advise.

    • @TheHumblePenny
      @TheHumblePenny  3 ปีที่แล้ว

      Awww, Emma! This means so much to us 😊🙏🏽

  • @seanmitchy
    @seanmitchy 2 ปีที่แล้ว +1

    We used to have Netflix Disney plus , and Amazon prime .
    After much discussion i convinced my partner to ditch Prime & D+ .
    Then we stopped our monthly cinema sub and now select which films we go to ( if any that month ) .
    We negotiated a better price for Broadband , our cable provider, were willing to listen than lose us .

    • @TheHumblePenny
      @TheHumblePenny  2 ปีที่แล้ว

      Fab plan. Most people don't even get value from these subscriptions.

  • @ManLikeAce
    @ManLikeAce 3 ปีที่แล้ว

    Powerful!

  • @samanthahardy9903
    @samanthahardy9903 4 ปีที่แล้ว +1

    I've not watched any t.v at all for at least 1 week. I work 6 days per week. The time I saved from not watching t.v. I've used to make a budget to get my finances back on track, prepped some meals, cooked some chicken soup from scratch, and listened to a personal development audio book on line. My ex husband wanted sky even though we really couldn't afford it and didn't need it. On 1 of my days off I need to cancel the t.v subscription. I get a very large bottle of juice and water it down but my new partner, who is from Romania, showed me how to make my own flavored water so now no shop bought juice. My partner is very frugal and i'm learning a lot from him on how to save money. Having the right partner helps! We do sometimes get takeaways or eat out but very rarely, usually once or twice a year. Most of the time though we eat at home because he doesn't like English food. He is teaching me how to cook some very basic Romanian dishes in bulk which we cook together in bulk when we both have a day off work. It really helps on a very tight budget and I'm able to save a bit more than I did before I met him. I feel truly blessed and am saving to go to Romania for my first ever holiday abroad, but my first goal is to pay off debts, then get a passport. This video is very helpful. Thank you!

    • @TheHumblePenny
      @TheHumblePenny  4 ปีที่แล้ว

      Hi Samantha - WOW! First holiday abroad - That must be very exciting. I enjoyed reading your comment about savings. Also very interesting to get a different cultural perspective about Romanian approach to life. I look forward to hearing back on how your holiday goes 😀

  • @fishmessages
    @fishmessages 4 ปีที่แล้ว

    Hi. Thanks for the great video!!I literally just went to sign up and then I saw right at the end that there is a £195 annual fee. Is that right? Or have I read incorrectly? Thank you

  • @peterweaver1623
    @peterweaver1623 4 ปีที่แล้ว +2

    Making your own lunch on a day out or work day can most definitely be high up on this list.

  • @ricocaswell3030
    @ricocaswell3030 3 ปีที่แล้ว +2

    I agree with all that you've said, but I will say a good affordable holiday once a year is good for your health. All the rest is spot on

    • @TheHumblePenny
      @TheHumblePenny  3 ปีที่แล้ว

      Definitely yes to holidays if you're not doing it in debt.

  • @nguyendang3463
    @nguyendang3463 2 ปีที่แล้ว

    I think people just have to think out side of the box for FREE entertainment. As a student funds are very limited and have to budget everything.
    All we need is the internet now and the basic bills pay off first. Normally there are always FREE things you can do online one just have to do some research.
    Apps are very help now where there are so much FREE streaming application that you can watch online with ads for FREE without paying anything.
    I really enjoyed watching your video and learned a lot as well keep it up I also just subscribe as well.

  • @OrganisedPauper
    @OrganisedPauper 4 ปีที่แล้ว +1

    We both got a Motorola Moto G6 in 2018 for less than £240 each. Both phones are still great and do everything we need. We have low cost, Sim free, rolling contracts. We'll probably go for the budget end of the smartphone market again when they need replacing. It's worth doing some research before buying at this end of the market, although Motorola tended to be in the top 3 in most budget smartphone reviews in the last few years.

  • @rajshu6408
    @rajshu6408 3 ปีที่แล้ว +1

    You are so refreshing 💗.

  • @sherlynpatterson4304
    @sherlynpatterson4304 3 ปีที่แล้ว +1

    Keep your old phone with its memory card as a digital photo book, copies of important documents, and contact info if you loose or damage your new phone.

  • @stephaniemiddleton3740
    @stephaniemiddleton3740 3 ปีที่แล้ว

    I’d have bought a replacement screen from eBay and had another 4 years out of it. My iPhone 5c had 5 screens and had it for 8 years

  • @feliciaogedengbe8365
    @feliciaogedengbe8365 4 ปีที่แล้ว +2

    Great video!!!! We totally relate. Honestly, all of these expenses really creep up on you and it was not until approx 7/8 months ago that we made a decision to gradually cut down on various expenses after realising that we could no longer keep up with the Joneses - it’s HARD WORK! I can relate to almost all of the points you raised aside from takeaway and deodorant loool!!! I lovvvvve food way too much and see takeaway as a treat when my food is prepared by someone else lol! As for the point about deodorant .... ermm, you’ve raised a good point Mary, I may try the natural way over winter but not sure about summer lol

    • @TheHumblePenny
      @TheHumblePenny  4 ปีที่แล้ว

      Hey Felicia
      Awesome stuff 😊. Interesting take on takeaway. What caused you to change your spending behaviour 7/8 months ago?

  • @andrewamidala
    @andrewamidala ปีที่แล้ว

    Warning re 02 and upgrades!!!
    Agree completely with the phone upgrading and was adamant I was not upgrading the phone. My S8+ is working perfectly. When they rang U was very specific that I only want a sim plan and no contract. What I didnt realise was it was a "partner" company who 02 shared my details with. I then got trapped in a 3 year contract with clearvision communications.
    I am fuming and now fighting 02 and clearvision communications and neither will accept any responsibility for the contract which now doubled in the first 12 months and is binding until 2025!!!
    I will now never talk to any phone company when they call but go in to a network provider shop

  • @StKezziah
    @StKezziah 4 ปีที่แล้ว +1

    I buy my phones and keep them for a few years till I have to change. I don't have a phone contract, just a giffgaff sim only, and I can change my tariff every month according to what I may need. I also recommend Huawei (or honor which I have atm, I think it'd a Huawei spin off) I know there's controversy around the brand but it also means they're cheaper and before all that I had one and the phone lasted years. It even survived being dropped in the loo haha I only ended up having to get rid when I smashed it off the road by accident (I want to add I drop phones a loooot so it took a lot of falls before this one done it in haha!)

  • @Victastic7
    @Victastic7 4 ปีที่แล้ว +2

    I probably need to stop watching so many TH-cam vids like this 😏 I’m joking... great stuff guys 🙌🏾 super useful for a recent graduate