How to Keep Budgeting when You Want to Give Up
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- เผยแพร่เมื่อ 4 เม.ย. 2021
- Frugal fatigue is a reality. We all face moments of wanting to give up on counting nickels and dimes and go on a spending spree. In this video, we tell you how to keep budgeting when you want to give up.
If you are fighting frugal fatigue, then this is the video for you! We cover ten, easy, practical steps you can take to reset your mindset and put your budget back on the right track. You can stick to a budget (and not feel like you are constantly depriving yourself of everything that brings you joy.)
This episode of Under the Median was a collab challenge from Kate Kaden over at her channel, "Kate Kaden-Making Frugal Living Fun". So, when you are finished watching our video, head over to Kate's channel and check out her video on the same topic. Be sure to tell her that Hope and Larry sent you.
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I’m so so happy you accepted the challenge. I loved your tips on how to fight frugal fatigue. I just adore you two 🥰 Thank you so much for joining me. And thank you to all of you who came over to my channel to check out my video. Appreciate you so much. See you again soon. Happy Monday!! Love, Kate (and Kaden says hi too!) ❤️
We paid for debt, then paid down the mortgage and both those required real sacrifices but we always had a visual aid showing the debt first, then the mortgage coming down. We’ve debt and mortgage free now and live off a lower income come now. We have perspective and know we have everything we need, we live well, we are warm, clean and we’re never hungry. Many can not say that.
Great perspective, Fugal Queen.
Due to my autism, I always try to make things I find important or interesting 100% each time. That leads to fatigue sometimes as well. I tell myself to relax and remind myself of that EVERYBODY struggles sometimes. That helps to refocus on my goals.
I NEVER tire of frugality. Had to have an emergency tree service come today to cut down a dangerous tree. $400 for one hour's worth of work, and after stashing unused cash for years, I had plenty of money in my cookie jar. Most folks think I'm a kook, but saving money is just a way of life for me, and I'm the one friends and relatives come to for a loan when they hit a snag in life!
Way to go, Kathryn! (Applause track)
Oh, now I agree with Larry on the coffee...Get coffee THEN work on the budget! Fuel in the tank helps you think---that's my story and I'm stickin' to it. LOL
You'll notice that we're almost always drinking coffee or tea! Thank you, Katherine!
When my daughter moved back after 20 years away, she paid rent. She handed me cash and two big boxes of groceries today. Tina
You raised her well.
Top daughter! 👑
Lol java java coffee is the answer to every life problem 😆🤣😂😹😆🤣 and with French vanilla creamer too....
Watch Budget Girl if you feel like giving up. Her dedication of staying on track during her debt payoff was truly inspirational. Watching other people doing what you are doing and tracking your progress was how we met our goals. It also helps us with new goals. Maybe this will work for others too.
Youre right.budget girl went from $33,000 in debt to a net worth of $100,000+.on a tiny income.
For much of our frugal journey we didn't have like minded folks to hang with. We even got criticized for not spending money in social situations because we didn't have it. Our biggest encouragement was from pouring over the Tightwad Gazette books. Now that folks are online, it's been encouraging to find a community here.
We were in that same boat. All we heard was how much better everyone else was doing. Stick to your plan. Tina
It was difficult to find like-minded people a few years ago. The Internet has brought us all closer who follow this lifestyle.
Same here!
Oldie but goodie! 💗🙂
I appreciate what you said about prayer and reading your Bible! I was grumbling about not making any progress, but I felt reminded that I’m not making our finances any WORSE or getting into any additional debt AND the Lord is meeting our every need. Thank you Jesus!
I loved the tip about listing the positives in your day - at least three - to focus more on the positive than the negative.
I really like the idea of reminding your self of the reasons you are frugal. I believe it honors God to be a good steward of the resources he blesses us with. Granted he calls us to do this so it is a blessing and a responsibility. When I feel anxious or depressed, I start a gratitude time/journal. Sometimes its a struggle but over time I’ve learned that struggles make me stronger and more knowledgeable. I’ve turned frugality into a game. The game can be as simple as I want or as complicated as I enjoy, but it is my choice. The power is with me.
The "when" is so important. A goal without a timeline is more like a dream.
Praying is the absolute best thing to do!
So far, thank goodness, I've never become fatigued with frugality. When I had a good income, I loved seeing myself pay off bills and save. I loved the challenge of how fast I could pay off bills and how much I could save! At times when I had no choice, like now in retirement on disability income, I've been thankful for what I did (do) have and love to see my budget stretch over all my needs. There are times when I truly don't have enough. I pray to God about my needs...and He provides a way. No matter what, I'm still thankful for what I do have. I lived two and a half years with no income at all...on savings. You talk about FRUGALITY! I cut down to absolute the barest minimum! By comparison, now I'm SO thankful for my income, even though it's low and fixed. Frugality is easier, and more joyful with an income rather than without one!
My parents grew up in the great depression and then WWII. My grandparents raised their children during those times. Frugality is "built in." As a child, I certainly was never deprived. As an adult, this frugality, that's in my bones, just carried me through whatever financial times came. It took me a long time to be able to buy a house and I really wanted one. Now, I am SO, SO happy in my home! It's amazing to me I was able to buy my house on my own...and it's SUCH a good house! I'm very thankful.
Love your channel and love listening to you. I also really like Kate and her channel. ❤
I have a few financial goals I am trying to meet. With everyday expenses, debt reduction and saving can be such a slow process. Last year, I worked a second full time job to help. This past week, I once again started a second full time job. This time, I don’t have a time limit put on it. It can be extremely hard working two full time jobs at the same time but implementing healthy habits, making the most of the limited time I spend home, reminding myself of “my why” and staying positive certainly helps!!
I'm so happy you both talked about this because I've been falling off my budget for the last month and it feels like a never ending funk. Thank you for helping me get out of that.
So glad to help, Spookygirl!
Thank you for the frugal tips. I was a spender most of our married life, the Lord worked on my heart and now I am working towards frugality as a lifestyle. It certainly helped our marriage to be on the same page and I now find it a challenge to save money 😊 who knew it is so exciting to be debt free 😊
You are so welcome, Yvonne. You've made a great decision!
Watching for the third time. You two never fail to make me smile.
Learn to like is what I call being flexible!
I only started my frugal journey in January of this year...I dabbled a bit last year but really started hard core in January....
Since starting...I have been able to pay off all my credit cards and pay off my car. I have not once paid for dining out...and I do have a nice sum saved up just in case.
Yes I might see something I want but I am holding strong. But I am week....so I try not to even go into a store...and when I must..I do try and just go straight to what I need and get out quick.
I'm also teaching my daughter's to be frugal too. Although my youngest is addicted to fast food...I am so proud that when she got her tax refund, she paid off all her debt. That was so awesome.
It is so nice, strange, but nice, to go to the mailbox and not have any bills in there....used to get bills every day.
Good luck to everyone.
Thank you Hope and Larry.
I LOVED the opening and the video. Great ideas and advice as usual!!! Thank you for sharing this with us. 🙏💕
Thanks, Jeannette! Glad you are with us!
I'm a long time follower and recently decided to watch your videos from the very beginning, and so, I am just now watching this video. I am a naturally frugal person but as a single mom currently working 3 jobs (2024), the most defeating thing for me is that I have to be frugal out of necessity. I work very hard and very long days (12+ hours several days a week) and struggle with the feeling that I shouldn't have to be so frugal and so tight with my budget when I work so hard. It is definitely defeating when you are budgeting and cutting expenses and selling things and working multiples jobs and are still barely making ends meet. Very thankful for your channel though and all the tips you share.
LOVE IT! And love your channel. Thank you> You are a support to me in ways you will probably never know. God bless you both.
You are so welcome, Melba!
Those were some really good ideas!! My husband becomes frugally fatigued quite easily. I think it’s because he doesn’t do the budget as much as I do. We talk almost every day about one thing or another but getting in there and crunching numbers is where the action is at.
We do treat ourselves when a goal is met and that really does make you feel joy.
Next month marks the 2nd year of budgeting as husband and wife. Before that, I always budgeted but he never did.
We love that you are budging together now. I am the number cruncher. So, sometimes it's harder for Larry to keep a firm grasp on the overall plan.
I'm doing the no spend 2 years to build up my savings. For month 4. in the beginning it was hard. I'm tighter then ever and blow away at the amount of money I've put away in funds and savings in this time. Its really keeping me in the right path.
This is probably your best show yet.
Great timing as always! Wonderful suggestions. You guys are an inspiration. ❤️ Forgot to mention, paying the mortgage off on Tuesday. Feels great! Just the car to go.
Yeah, Marie. What an accomplishment!
@@larryware1 thanks Larry! It’s a great feeling!
@@mariereynoso1617 - it is! And you're effectively giving yourself a raise, having lightened your debt load.
This is such a great idea for a collab. Two wonderful you tube channels coming together. I love the tip about quiting something
thanks, Money Mom! I'd love to hear your thoughts on the same topic.
I'm suffering this now. I bought a chinise take away, and some garden shears. I can't afford it. I also want other things like crisp, pop corn, a full lauderette session. Exotic fruit. A full tank of car fuel, a hot bath with new face cream, and a holiday in South Spain. Sigh.
Make popcorn in a pot at home. Tina
My parents never worked together on goals or money and fought all the time.
I grew up with that stress and conflict in the house.
I vowed, 'That is never going to be me!!'
Thank the Lord my husband and I are a team, and work together. No battle field at our house.
Good for you, Linda!
You guys have helped me so much with starting my frugal journey. And you're such a cute couple! Watching your videos and taking notes when I come home from work is the highlight of my day. You make frugality easy and fun! Thank you!
Thank you for this motivation today!
Can't wait----this is def relative to me. I nearly had a panic attack doing my everydollar---but luckily am still within. I usually do a 2wk check-in.....by just did it for food. I lucked out, but gotta get back with it.
Your both a blessing I’m trying really hard to be frugal and wise on how I spend money ,your videos are very helpful thank you for all your doing.
You are very welcome, Beatrice. It is our pleasure.
I think those steps are good not just for frugal fatigue but if there are other parts of the life fatigue or evaluating why you have a strong emotion about something. Thanks for the video. 🙂
Thank you, Esther!
Exactly what I need!, thank you! 3 years saving money aggressively...it s a long journey🤯😩
I wanted to like this video a second time!
I love the way u 2 relly get into things together I have learned so much and I thank u so much for sharing the things u share this coming wenesday is the first day I will not owe anything to anyone and it will feel so good my house is paid my 2 cars are paid and I paid off a 5,000.00 credit card it has taken me 13 years but i will be free and all done on ss of 860.00 a month after this i can save 600.00 a month ♡
Kerissa! Way to go!! We are celebrating with you. Well done!
Way to go, Kerissa! Well done!
I really needed these words of wisdom and love today . Thank you guys so so very much.
You guys are so inspiring. Great video!
Live below your means is a great habit to get into.
I think it is a work in progress all the time.
Thank you.
Definitely in your top 5 videos!! Thank you!! You both are so funny and joyful and motivating!
You two are such a blessing to me!
Your videos have made a positive influence in my life and the life of my family. Today's video soothed my heart aches. Thank you 💗
So encouraging - thank you!
Great video, thank you. Lots of encouragement and food for thought.
Hi Larry and Hope; thank you! Good suggestions.
You are SO welcome, Monique!
This was really wonderful, especially the one on mindset.
I just love you guys, Larry was a particular star this video👍🏻💗
Awww... thanks, Elizabeth. I passed your kind comments on to Larry. He appreciated hearing that.
I've been struggling with my staying on budget and need to get back on the horse and keep going toward our next goal. Good video and great tips to stay motivated.
Thanks I needed that talk today!
So helpful and encouraging! Thank you!
I am a single, older adult and find this happens often. The few friends I would confide in and who would boost me during these times of frugal fatigue one has passed away and the other is in hospice care. So I need to build more strength from The Lord, my youtubers such as you and myself
Thanks for posting this
Thank you for sharing.
The opening of this was priceless! Thank you!
Thanks, Colleen!
Hi Hope & Larry - watching ur videos always feel like I've flipped on my Happy switch!! Luv u guys n tank u for always holding my hand on my frugal journey n aving a gud laugh along the way!!! 🧡🥰
Why thank you, Margaret. We are glad to have you with us.
Love these tips, thank you for sharing...
Thanks for this video,I need a reset
Thank you Larry and Hope. Great Subject
You are so welcome, Cowgirl!
Brilliant video you two 👏 I really enjoyed the tips, which can be applied to life in general as well. Love the positive energy between you both 💫
Thank you, Johanna!
Larry and coffee pot... Lol.. You're a riot !!
I do sometimes want to just give up and let loose with my budget 😂Great video!!
You guys crack me up! I love the intro!
Great tips of what to remember!
I so want you guys to livestream so we get the bloopers instantly! They're the best♡♡♡
Oh no! We'd have them, that's for sure. We will live stream as soon as I get some better equipment for it.
I loved this video because it provides reasons and motivation to go on even when it is hard.
Thank you, Glenda! We're always glad to hear that others have been encouraged by these videos.
Great intro! And bloopers at the end too! 😃 And then there’s all the good content in the middle 😉. Great reminders for why we all do this. Thanks for sharing!
You are so welcome, Cheryl!
Thanks for your encouraging words, Cheryl. We are grateful to have you as part of the Under the Median family.
That mountain sure does look high what an achievement .I' know what you mean about choosing like minded positive people can move mountains if right people around you .thank you x
He came home from that trip and called to ask me out on a date. He said he went to the mountains and realized that he wanted someone to share his life with. So, I was pretty happy he went on the trip and climbed the mountain.
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I’ve noticed with your family even though you’re frugal you still find fun things to do. With fb & Internet now a days you can’t help but find so many things that are fun ...yet...budget friendly to do.
Just today a post from my cities park & rec dept was about needing volunteers on Earth Day. Volunteers are meeting up for 3 hours to help clean up the parks. It gets me outside moving to help get rid of winters extras pounds, it gets me socializing with people safely. Plus I found out after I filled out the online application that volunteers get a free T-shirt. Frugality to me is not about depriving yourself, it’s about living life to the fullest but making wise money choices while doing so.
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Great video with awesome tips. Thank you for sharing.
Such a great video. This is a topic that we need to revisit often, (I’ve saved your video in a new play list).
Thank you, Joan!
For me, it's the damned paperwork! EVERY budget channel recommends tracking every single penny coming in and going out. According to the information I have, I have to make calendars of my strictly planned dinners (even though my hobby is creating ex tempore recipes), extensive inventory charts, and lengthy spreadsheets comparing prices from different vendors so that I can monitor prices accurately. I know Hope LOVES charts and graphs and lists. I loathe them with a purple passion that non-learning disabled people do not understand. IQ is not just a smartness number, it is the average of a series of sub-tests. Zero is a non-responsive vegetable, 9 is average, and 17 is a genius. To nobody's surprise, I score a 17 in vocabulary. To everyone's surprise, I scored a "1" in "numerical processing." They gave me one point because I knew my own name and was responsive to the test. No, I'm not exaggerating. Stupid little charts and lists really are that hard for me. CAN I do these things? Sure. I figured out how to double-check everything for accuracy (if the error is a multiple of 9, I've reversed two digits), etc. It is unbelievably fatiguing, overwhelming, and it takes an enormous amount of time. ODDS ON BET that if every one of Hope's charts cost her three to four hours of grueling headache-inducing effort to construct, she'd be less enamored of charts, as well! If the ONLY way to save money is to add a full four- to eight-hour effort of my most hated activity into every single week, I can guarantee I will never save a dime! There have GOT to be ways to automate this. It only stands to reason that there are apps out there for budgeting and saving. Unless or until I figure out how to automate budgeting and saving, I flatly refuse to do it. Never gonna happen. No way. Sorry, I spent my entire adult life loathing working with numbers and I'm not going to change.
Loved this video! It’s a great way to start the day ❤️😊
Thank you, Carolyn!
This was a fabulous video!!!!
Thanks!
Wonderful tips for ANY goals we want to reach....and seems like a loooonnngg road! Love these tips! Also Love the Bloopers.😁🤣
Thank you, Muze!
Omg your intro was the best. Loved it
Thanks! Definitely Larry's sense of humor coming out.
This was a good video, and especially helpful coming from two people who actually have been walking their talk for a long time. Loved the bloopers, too. Hope you had a lovely Easter.
Thank you so much, Sherry. Glad you were encouraged.
So glad you are enjoying these videos, Sherry!
Excellent video!
Yea I get the one step forward & two steps back, that dog don't hunt. It's about focus & being a stubborn cuss. House just paid for, just paid $2,000.00 for getting car fixed. I listed long shot on Ebay for $2,000.00 but won't wait for something that might not happen, it's the come-back trail for the Cowboy.
Thanks for always encouraging 🤗
Thanks for hanging out with us.
Wonderful video wonderful people you two are so special-- hope you keep making videos for many years. -- student loans are the main fatigue we have people may get relief from the govt *--any tips from people out there with same fatigue --you are right about keeping up being frugal --if we hadn't been frugal our whole life could have been a mess-like your tips on prayer meditation and goals and treat yourself. we have been frugal our whole married life 45 years this August we are planning a frugal day to celebrate
Pandemic did a number on young people our daughter moved home and trying to do an online business feel so sorry for millennials during the pandemic especially when they have student loans
Thank you, Jayne! The pandemic affected our expenses as well. 2020 was hard on all of us.
PERCOLATOR!!!!!!!!!!! You should watch Technology Connections' episode on the percolator! Love those glass viewing knobs!
We have a couple of really cool percolators. We have a lot of stuff from the 1940s and 1950s. We'll have to shoot the stove in our basement kitchen. 1946 Magic Chef and it came with the house. We love it!
Love Kate Kaden too! I'ts how i found you guys~
Kate is amazing! Love her. Thanks for joining us.
Hahah I love the intro🤣🤣🤣
I call it "getting in a rut"
Visual charts help me alot
Monopoly money I use instead of real money to stuff our envelopes I dont like having a ton of cash hanging out at our Ranch.
I also keep my goal charts throughout our Ranch so if I pass by it I look at it and say Oh Yes and back on track. I like to look over our budget twice a week.
Remember your budget isn't in stone you can change it I do and move things around.
Cash Dump is for dumping in only NOT taking out. Retirement is awesome 🤑😁
Great ideas, Cowgirl!
Reason for our frugality to be family oriented also my mantra is to see how much money I can save not how much I can spend also want to be thrifty so others can have ------- another mantra is live simply so others can live
You guys killed me with the "Toddlers" blooper... you are so funny😂😂🤣🤣. I'm loving this challenge from Kate, as always - this was a great video guys! What a great comparison of you climbing that mountain (that was amazing, congratulations!), to how living frugally feels sometimes. My version on this challenge is coming up on Wednesday.😉 I must also say that I love your dad's advice to "love what you do", thank you for sharing it with us. Have a wonderful week!😊💛
I can't wait to see your video, Vida!
@@UndertheMedian Oh, thank you!😊💖
Loved your intro, you guys are so cute!!!
Awe, thank you, Jen. So glad to have you along with us!
Lol you guys are cute! Loved the beginning.
One way to prevent this burnout is to give yourself little treats along the way. Every month, I buy a couple boxes of cookies at Aldi's. Sure, I spend $50 a year or so on them, but a small, controlled splurge is better than breaking entirely. An ounce of prevention and all that good stuff lol
You make a valid point. We don't eat sweets during the week, but on the weekends our son, Daniel, bakes cupcakes or another desert for us. We enjoy it, even during the week we know that as soon as the weekend arrives, we'll be enjoying something sweet. Now we just have to figure out how to get Daniel to keep doing this for us after he moves out. LOL!
Yes Larry Coffee Coffee Amen
Yes!! LOL!
A lot of people hate frugality.they view it as punishment.
It's really not.it's about choosing where and how you live.how you.control your finances.
If all you.do is shop,eat out,always at the clubs and bars,i can 100% assure you your bank account is empty.
My husband was never good with money.now he is.he set up autopay for internet,com ed and rent.our only bills.this way it's taken out of our bank account instantly before we even see it.no more stress if we have money to pay bills.the money is automatically taken for the bills.it may be worth looking into this option.
Kinda if i don't see it,i don't miss or want it.
Boredom is my trigger. I have routines in place that help me stick to my plan but occasionally boredom kicks in and triggers those fatigue symptoms. Food boredom has been the issue lately and I started looking at food I don't normally buy in the store. So I've been trying new recipes with food I already have. Sometimes it's boredom with my clothes, sometimes it's boredom with work so instead of working I look at Amazon.
I found a youtuber Angelas Fashion Mix. She thrifts for her wardrobe and accessories. But importantly, she combines things already in her closet and adds a scarf or costume jewlery. I found when I rethought my clothes to look more attractive it cheered me up. It was fun.
I'm just curious, not a big deal but I have noticed you change the background items in your video. Also, love the music.
Larry change them every week. It's become really fun for viewers to watch to see what he has changed.
Larry is too funny.
You got in trouble Larry!! Lol
LOL! Not the first time!
😂 crickets!
Larry is so silly lol
When we met, one of the things that I immediately liked about him is that he made me laugh. He still makes me laugh 38 years later.
I struggle with the food budget only. I can be very frugal. It's sticking to my food prep constantly. It is hard.
I just think of my mom. She cooked 3 meals a day, snacks, canned, had a garden. We ate well at home, nice family meals. We talked, laughed. Make food eating more fun. No phone or tv. Maybe music? A dinner guest? Set a pretty table? Make food prep effort worth it to add to the pleasantries of your life.
Darn. Missed the live chat.
Stef, we missed you!
@@UndertheMedian I'm sad :-( Oh well, maybe next time. Happy Easter Monday
I missed live.So sorry😞😞😞
Here lately I've been spending money foolishly. But FB decided to censor me. I said 3 days censored how about life you're fired. I had a habit of looking at FB marketplace and buying many things. No FB account no shopping on FB. They saved me so much money .
this is a good video, want to be youtube friends?
Once in a while treat yourself to something out of the ordinary, even if it’s just a trip to Dairy Queen for an ice cream cone.