HOW WE AFFORD THE UNAFFORDABLE! FRUGAL LIVING! OLD FASHIONED SIMPLE LVING! Ham and Potato Patties
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- เผยแพร่เมื่อ 4 เม.ย. 2024
- 8 essential ways to have the best low spend lifestyle ever. We share the secrets on how we afford the unaffordable in our every day life. Valuable suggestions to have success and fun while saving money and using it for what is important to you! We will share tips on how to stay below your budget! Frugal and old fashioned tips and hints to save you money! Early retirement debt and mortgage free couple share it all!
Ham and Potato Patties - www.allrecipes.com/recipe/220...
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Great suggestions. My late husband and I never lived above our means (we were frugal). We tithed and gave offerings. We felt blessed and grateful. We did not covet other people’s possessions. We paid off our house and saved for our children’s education and retirement.
Yes, we did this as well and now live a financially stable retirement life.
EXACTLY! Very well said Jeannel!
I am newly retired. One of my goals this year is to get more active since the job I had for the last 37 years involved a lot of sitting and being on the computer. I looked at the cost of joining a gym nearby and it was $29 a month. I also looked at the YMCA and it was $40 a month. Yikes! One of our neighbors mentioned to me that the local senior center has a gym so my husband and I went and checked it out. The cost is only $28 A YEAR! It is beautiful has lots of machines and a wall full of windows that looks out into a beautiful park. It’s also air conditioned and they play good music. We have been several times over the last five weeks and it has just been fantastic. Today we discovered that they have many classes such as Zumba, Pilates, and ceramics and billiards just to name a few. By shopping around we found a great deal.
If you live in San Antonio we have senior centers with free meals, gyms, classes!! Look into your area senior centers!
Here in Idaho, our health insurance offers "silver sneakers" benefits, which include being able to go to our local gym and go to classes that we choose to do exercises at no additional cost to us. You might check with your health insurance.
$28 a year is a great deal!
In Canada, our community centres are real hives of activity, full of wonderful programmes and opportunities. Trips, classes, hobbies, lectures, information fairs, and movies.
M0l.
For our wedding, I made almost all of the decorations myself. I bought vases at a thrift store and used them to make beautiful table scapes.I made flowers from coffee filters that I dyed for our color scheme. I borrowed and decorated an arch to stand under for our vows. Since I come from a large family and have some great friends we just had a potluck dinner after the wedding. We only bought the main dish and a lot of people brought a side dish. We had plenty of food at a lower cost. Everything worked out great. Someone told me that we had the wedding of the year.❤
Good job! I think weddings are costing way too much money these days
My wedding was very similar: frugal, informal, low-key, small. Your wedding should be what YOU want it to be (including cost) not what the wedding industry says it should be. Don't let anyone tell you what your wedding should be. Who's going to come after you, the Wedding Police??? LOL
Sounds wonderful! And more personal. Weddings have gotten so ridiculously expensive. I’m glad you were able to have a beautiful wedding on a budget. 💗
Back in 1985 my daughter got married. I am a single mom so we had a wedding on a shoestring. For everything (except the ring) it cost $3000. We used the local park service for the venue and it was free and the catered food was discounted since I worked in a hotel! I think the kind of wedding you had will be more memorable for you. It was done from the heart! 🥰
Giftgiving: When I was a kid one of my aunts at Christmas gave her elderly mother, my grandma, a box of groceries which included a can of coffee, evaporated milk, sugar, flour, etc. My grandma, who was on a fixed income, loved her daily coffee and still liked to bake. Even as a kid of 10 or 12, I thought that was a smart, practical, useful gift. Grandma didn't need any more geegaws and tchotchkes that she would need to dust. I don't remember her reaction but Grandma was a sensible, practical woman of the Great Depression so I bet she loved the gift.
Beautiful! 💜
Brilliant! I don’t know anyone who wouldn’t love a gift like that!
This doesn’t really one up with your content this time … but I had to tell you!
We didn’t seem to be able to avoid the fast food places. No matter how hard we tried (or so we told ourselves!) we were in those joints 5 or 6 times every month.
Last month - only once! Why? Because every night, I got my adult son (there’s only the two of us in the house) to help me decide what to make for supper “tomorrow,” and then he would get the all the necessary stuff out of the freezer and put it into the fridge for me.
It’s not exactly “meal planning” in the usual sense of the word, but did it ever help me out!
It’s not perfect but it’s a start.
That is a great idea! Whatever works!
WONDERFUL Idea! Love that! do what works for you!
Meal planning is what you make it. Sounds like you planned a meal to me. You can plan for your leftovers now.
Mother’s Day and my daughter’s birthday fall within days of each other. I will buy from local supermarket a bunch of roses, 18 count, and a bunch of baby’s breath for very little. The supermarkets have the plastic cone sleeves so I grab an extra one, extra ribbon, wrapping paper, card, card pick and package of food. when I get home, I split the roses, greenery, and baby’s breath and reassemble into two bunches. We have a local theatre that puts on a 2 hour symphony for free and I take both, including the rest of the family and afterwards, we come back to my place for tea, homemade cake and I give them each a bouquet of roses. ❤
Sounds absolutely lovely!
Live below your means always
Several years ago the delivery guys brought our washer and ryer set and while bringing it into the house they scratch and dented a small area on the washer and credited us $100! And the dentist is on the side next to the dryer and can't see it. Last year our niece got married and instead of putting $ in a card, we purchased books of stamps and put them in a card. We are always looking for ways to save $ , thanks for your great tips!❤
How did you save money putting books of stamps in a wedding card?
What a great idea Linda!! Love that so much!
This week I bought 10 pounds of chicken breast on sale for 1.99 a pound, also
75 percent lean hamburger on sale, and carnasada also on sale.
Took it home, food saver portions and put it in the freezer.
Brilliant!
Hi Emmy and Paul. Love your channel. My husband and I have always lived a frugal lifestyle. We are very blessed . The cost of living has increased and unaffordable for many. To cut costs, we have made some adjustments. During covid, when everything was shut down, I learned via you tube and practice how to cut my own hair. I admit I do a great job. I now cut my husband, son's and grandson's hair. As for groceries,we enjoy premium coffee and premium cuts of meat. We will only buy on them on sale and enjoy them infrequently. We vacation locally, at a lovely self catering cottage, rather than taking all inclusive trips abroad. Simple picnics at local parks with friends and family are enjoyable. Simple easy living is peaceful and fulfilling.
Wonderful comment! Thanks for sharing!
I can't believe when my daughter went on the NJ state government medical plan she is now paying $14/month. That includes dentist, vision and paying for her insulin for her type 1 diabetes. When she was on our insurance cobra insurance I was paying $600/month! Dd gave me the gift of a book that I was looking at in her apartment. That was a nice surprise for Christmas and I appreciated her frugal thinking,
Wonderful! Thanks for sharing!
I am a HUGE fan of giving gifts that will be useful!! Even with the kids.. I prefer to give them experiences and/or gifts they will use. I refuse to be a parent that has to out do myself every event.
Love that! I remember when our son was young, we would never give him toys that required batteries. We wanted him to really be creative with his play.
My son felt the earthquake in Brooklyn and said he did not like it! Lol! One thing we did when it was time to find our medigap insurance was we used a broker rather than trying to find one on our own. He was fabulous and found us great plans for a great affordable price.
That's great! So happy it worked for you!
When I hear about American Health Care, I am soooo relieved to live in Ontario Canada. We pay provincial tax on purchases but we don't have a huge payout each month. OHIP (Ontario Health Insurance Plan) covers everything - doctor visits, xrays, blood tests etc. - MRI - everything! My husband and I are 'seniors' and we are so very grateful for this system. I can't imagine having to worry about health care (even though by age, Medicare USA would cover us) - I don't want to worry about deductibles or dealing with paper work etc. Our drug care here is also wonderful. Thanks for your always so helpful videos!...and all the best.
I have relatives that live in Canada and some will come to the states for their health care because of the restrictions on surgeries and actual age limits on some surgieries not to mention the weeks some have to wait to even get into a doctor and then more weeks or even months if you need surgery,so (free healthcare) is not all that great!
Me too, I would not be able to be a homemaker otherwise. Saving money can be challenging enough at times let alone medical bills! Things to be grateful for.
@@franzone70 Agree. Nothing is “free”, right? It’s being paid for through taxes, and comes at a price.
And let's not forget the MAID program. Do people really not see the writing on the wall? It is cheaper to kill off the expenses because it is rapidly loses money. I have family outside of Toronto, ON and also outside of Vancouver, BC. I just read about an autistic child being allowed to choose MAID and the parents can't stop it.
@@franzone70 I know of two people who chose to " let themselves go" ( leukemia and kidney disease) in the USA rather than bankrupt their families seeking treatments.
My senior center allow people 50+ to be part of the activity that they offer for free or for a few dollars of tip money. I am 58 years old and I start going a month ago. There is so much to do there. Right now I am going to all the dancing classes they offer and also I go to the bread and pastry ruffles, the art classes and much more.
So wonderful! Good for you!
One way I can afford Christmas is that I set a certain amount aside each month for haircuts, eating out, and some small things that may pop up during the month. At the end of the month, I put whatever money is left in an envelope to use for Christmas gifts. I also set a limit as to how much I spend on each recipient. So far, I have enough to purchase four gifts!
Wonderful!
I use to do this when my children where still home. Each month starting in January I would either buy (in the discounted section) or make a Christmas present or birthday present. By the time Christmas rounded around l had my Christmas shopping done. I had 5 children. When they all left the nest and moved to different states l stopped. But this year l have started (started in January) doing it again since 3 of my 5 now live close to me with their families. So far l have managed to stay on track for 3 months now. Some l have bought (discounted section or Five, Below, Temu, $ Tree & etc) and some l have made. I am on Social Security so l have to budget everything. My refrigerator, 2 freezers and cabinets are full. I take the left overs from our Family Sunday dinners and make up missionaries meals for the missionaries in my Ward once a month.
Wonderful comment! Such creative and money saving ideas!
I'm a single retiree living on my own. In order to save costs on food I don't eat out unless either it's with a friend for a social get-together or I'm away from home on an errand or appointment. Since I rely on public transit it's not always convenient to get home on time. I use a small air fryer to cook my meat and potatoes and eat my veggies either cold or cooked on the stovetop. Use of an air fryer or a crockpot would greatly reduce the cost of electricity.
Thanks for sharing that!
I always take a packed snack or lunch so that I avoid a 'quick snack spend'
@@amberatartimec2564 good idea. I should have done that today when I went to my optometrist appointment. I have a follow up appointment next week and will remember this next time. Thank you!
For birthdays our sons love it when we give them special food items. Our Grocery Outlet here in Lancaster County Pennsylvania has really low prices for filet mignon! We just bought him one today for around $25! It is a great gift he will put on the grill when he wants a steak. His wife and daughter prefer chicken breast and their son is a vegetarian so this is perfect! Our oldest lov black raspberry jam and guava jelly so he really appreciates them! A grandson loves raspberry coffee cake!
I I love food gifts! What a wonderful, special way to give someone a gift!
Glad your health care worked out. The Affordable Care Act is a beautiful thing.
Yes, so much cheaper
I love my food saver! I use if for so many different things. And it prevents freezer burn waste completely.
Me too! If I don’t use it, I always end up throwing an item or two away by the end of the month. I’m a diehard fan nowadays!
Yes, the best little appliance ever!
I love concerts too. But, often tickets are expensive. I am a musician. I sing and I love meeting musicians . I have met many even famous musicians. So I will look into becoming a " backstage " volunteer.
I like to do my own cooking . I know what is going into what I cook . In restaurants that is not always the case
Sounds like Paul and I as far as music goes! We have met some wonderful musicians throughout the years
Sherry an I have been sick .prayers please .we love you am paul,an dixie
Steve, I will be praying for you and Sherry,
Lynne
Dear Lord, we ask that you please heal Steve and Sherri. Give them strength, energy, and vitality. In Jesus name, we pray.
Steve I am so sorry to hear this! I was wondering where you were! Prayers for a quick and complete healing for you both!
@@FrugalMoneySaver thank you so much.
@@lynnegordon6749 Thank you.
I bought a freeze dryer 2 years ago and I freeze dry all of my clearance finds. The meats get made into meals and we freeze dried them. Flashfood sales really helps. We also can a great deal. Today it's halo oranges 🍊.
Bravo on the oranges! Although a major frugalista,, I never made the connection that I could freeze those little Xmas mandarins after the holiday. Peeled, popped into a bag, and voila! Orange in salads and curried fruit compote all winter. How many have I let spoil in past years? I dare not think..
Sounds great!
Thanks Emmy and Paul for the wonderful, helpful videos you share with us. For me, the best I learn from your videos is to stop and think about what I am buying. Stop and think, it works for me. I wanted to share something we have been doing lately. We are both in our 80's (ouch, that is hard to say :)) , and need to lose some weight. We have been eating breakfast around 9:00-9:30 am and then not having lunch because we are not hungry and having dinner somewhere around 5:30. It's working well for us as of right now. Liz
Yes, Liz we do 2 meals a day too!
I discovered recently that if you buy grass fed and grass finished beef, you don’t have to worry about whether it is organic or not. This saves me some money and eating grass fed beef is important to me.
That’s really good to know!
I buy organic chicken and grass fed beef, but on sale! Then, I Foodsaver it and freeze it. I am traveling to my sister's house on Tuesday[she broke her arm] via Amtrak. Rather than buy expensive and microwaved food while on the train, I am bringing my own. My healthcare supplement pays for my gym membership, but my husband goes to the Community Center gym. Our local library is having a book sale in 2 weeks. They have hard back books for $2. We walk, ride bike and use public transit rather than drive.
Wonderful comment! Praying your sister heals quickly!
I stopped going out on weekends and started having Sunday Family dinner with my adult children. I can buy the food on sale during the week and Sunday it satisfies my need for entertainment. I save so much money and the kids love having a nice meal.
I love this idea so much! Thanks for sharing
We have one savings account for emergency repairs and/or purchases. Great tips and tricks and a delicious recipe too.
Love 💕 and Hugs. 💙💙💙
Hugs right back, Linda! Thank you!
Gracious! I am reeling from your healthcare costs. I am so grateful for our NHS in UK. Yes it has problems, but gosh it is comforting to know that if we need it there is treatment out there. These prices must be crippling to people in the US. It is also a comfort to know that pensioners never have to pay for prescriptions and in some parts of the UK they are free whatever your age.Sending best wishes to you both
And me, they've saved my life so many times and still are. ❤❤
I try to eat a low-carb diet but those potato pancake recipes looked delicious!
I do the same thing you all do with special occasions. One year I asked one of my grandsons (when he was reallylittle) what he wanted for his birthday dinner and he said he wanted fish sticks and tater tots. Bless him! I got both those items on sale before his birthday.
To make the unaffordable affordable I think everybody just has to use their creativity. ❤
Fish sticks and tator tots 🥰 I love it!
D, love that so much!
The ham and potato patties sound delicious! Must try those with some of the ham we froze!
To afford the unaffordable our general principles are to take care of and maintain what we have, make substitutions, always be comparing prices (like the shopping around for insurance, etc.), seek the minimum level of what is needed - i.e. cut back until it's too uncomfortable then bump up just a little - examples: how much detergent, shampoo is needed to do the job, how warm in the summer or cool in the winter can you stand being inside, and of course the good old frugal principle of, "use it up, wear it out, make it do, or do without". Best wishes to all as we try to navigate the ever-increasing costs of everything. It is possible to "beat the system" and still live abundantly and joyfully on less.
Love this comment! Spot on! Thanks!
Love all your videos! Thank you for sharing and helping us all out.
You are so welcome! Thanks for watching!
Thanks for this video, Emmy and Paul! Your ham/potato cakes remined me of my grandmother's salmon /potato cakes. As for our tip, we try to squeeze as many uses out of what we already own while saving for any replacements. Unfortunately, we had an emergency medical situation this week so our strategies are adjusting again. Your prayers are greatly welcomed and appreciated!
Oh I hope everyone is okay! Prayers being sent!
Hi everyone. I’m from Kansas.
Me too!
@@PenniestoDollars Where at in Kansas. I’m in Topeka.
Hi All..we felt it here in Queens, NYC. all good.
My daughters and I use to go get pedicures , this month I am inviting them to my house and we will do each others pedicures , have pizza and chips and a homemade cake ! We are cheap dates lol !
That is awesome! Sounds like so much fun
When you showed the ham, I cracked up because I’m in the middle of cutting up our Easter ham and making soup! We had carrots as a side dish and I cut up a lot of them so I could just add them to the soup. It worked really well. I’m definitely going to make your recipe. We like to go out to eat once a week, usually Friday night but we have an adult kid who is going to need a lot of money soon and I’m very worried about him not being able to pay. We will help him in the way we can but it’s going to be a lot. Pantry and freezer meals for next 3-4 months, if not longer. Thank you for always being so encouraging!!
Colleen, thanks for sharing!
We take for granted the free healthcare in the uk I’ve had 8 operations and my husband has had 3 can’t imagine how much that would have cost in the USA 😢
(Canadian) My husband also had multiple surgeries in the 90’s and the only expenses we had were non-medical (gasoline, meals and the like.)
It quite literally extended his life for years. We just wouldn’t have had the money to pay for those, nor the income to qualify to
borrow it.
The only person I know who left Canada for surgery is my daughter-in-law, and that was only because she wanted her pacemaker device placed beneath her breast tissue (rather than just under the skin on her upper chest) for “vanity” reasons; and at that time that particular surgery wasn’t offered in Canada.
I live in USA. I was in hospital for 8 days. I had multiple labs,EKGs, CT scans, ultrasound of heart, heart catheterization then finally a pacemaker. With my health insurance everything was paid in full and did not pay a penny out of pocket.
@@maryannrogers8675Only because it’s tied to a job with good insurance. But for them it doesn’t matter if they’re lucky to have a job with great insurance or a job at all.
I have discovered not to be brand loyal helps keep food costs down. So many store brands now days taste just as good. And I agree totally with the scratch and dent appliances. Years ago we got a scratched fridge and it's still going strong.
So true! Yes, so many products are created equally now!
Thank you notes “they should” love it 😊
LOL! Well, they should!
@@FrugalMoneySaver 🤣
I have gone back to a couple of videos where you had WONDERFUL suggestions for about $ 5 or less and have used some of them. I have a good friend who makes an artform out of gift wrapping and it really enhances the gift all with leftovers. Thank you for your cool ideas.
Thanks for the uplifting comment!
I have learned to stop buying certain things which maybe some people stopped before me or still buy I stop all bottle water cut way back on any paper products less driving mostly just work church and drs appt if I am going some where special with friends we take turns.where ever I can cut I just do it things that didnt seem to be a big deal are now priority loved your ham potatoes recipe will be trying it out I so much frozen ham left made four quiche with it also last night chicken cutlets became chicken cordon bleu with left overs for tonight .thank you both for always having the best videos 😊
Thanks so very much for the kind words!
Hi Emmy and Paul. I hope you all didn’t have any damage from our earthquake. I’m on Long Island and whoa that was nuts! Felt like a subway under my home and a loud grinding noise. Scary stuff and i truly believe it’s a message from above to us to please take care of our precious earth. Anyway, i do all the things you mentioned but lately I’ve been taking the time and making phone calls to whoever i can to lower our monthly bills. Sometimes it works, sometimes it doesn’t lol. God bless and stay safe ❤
No matter what you do to take care of the earth, won't stop an earthquake. Get a book on geology to understand what is going on underneath us.
Melissa, it was a weird feeling for sure! Great idea to make those money saving calls!
In California we have earthquakes regularly. To us its nothing.
I have to laugh at at any quake under 7.0.😁😁😁
The biggest thing that we have changed is really evaluating our purchasing habits…. Is it a WANT or a NEED 🤔🤔🤔. This one question has absolutely decreased the amount of money we spend.
Another question we ask ourselves is: Is it on sale or full price?
Finally, is it more cost effective to replace or repair the item? If the parts are expensive, if there are supply chain issues, or the repair man rate is too high, maybe a replacement item is a better choice for us. We’re elderly and many diy projects are out of our wheelhouse now.
Such great advice!
We used to be able to get things from the dump. I would get electric appliances, usual not more than the power cord was bad, but if i couldn't fix it , i could just return it and if there were parts i might be able to use else where. I had all kinds of appliances that I couldn't afford.
Another was baby furniture that I could repair and when my children out grew them i donated them to the church nursery.
At one time I had to be on food stamps. I used them to buy meats that were on sale. My 3 children never went hungry but never had potatoes chips or candy or junk foods.
That's great how you made it all work well.
Loved this one, guys! Here’s a related tip for the appliance purchasers out there: in our area, there’s only ONE appliance repair company. If you don’t purchase your appliance directly from them, they won’t service it and you’re out of luck! So check around to see if any repair companies have agreements with sellers to get coverage and extend the life of the appliance.
Great tip! Thanks
In the community that I live in Canada we lucky to have two local museums that offer entry by donation, we have wonderful local library and they offer os many things for us to do at little to no cost, I have many beautiful parks to explore and enjoy, I buy things at the end of a season or holiday and putting items away for later. I have birthday meals at home with a home made dessert, we have games night and potluck with friends, I join a walking club it was free and we meet 2 times a month at different local park and then we have snack time after where two members bring a baked homemade treat, it’s save us all for going to our local coffee shop and grabbing something, I volunteer at community garden where in the summer months up though the fall I will be able get fresh produce that help me save money as I put some of it in the freezer to use for later.
Kimmy, wonderful comment! Great tips!
I'm currently shopping for a washer and dryer. I saved my Christmas bonus and Tax refund to do it. I'm also shopping my scratch and dent store. BTW. Tried your ham recipe and it was fabulous. ❤
We got an lg front load washer a year ago from Home Depot on sale. Cheapest model they had. It saves water, electricity and has a cold water cycle. Saved us a lot. Gets our clothes very clean.
YAY! Thanks for letting us know you enjoyed it, Connie!
I believe that gift giving should NOT feel like an obligation, no matter what the occasion. That being said, I have already made my extended family’s Christmas gifts. I made each family group a personalized genealogical set of bookmarks and a matching refrigerator magnet. And of course, they’ll also get one of my original Christmas cards. The families of the newest members received a genealogy-related coffee mug set. Otherwise, they receive just birthday cards, no gifts. My niece and sis-in-law receive one gift at Christmas.
Everyone needs to gifts they feel are appropriate.
Those potato patties looked divine! We hunt down red tags at Kroger. All red tags are 50%. If we want something extravagant (like fresh buffalo mozz) we only buy if it's half off, $4.27 is totally doable while $9.99 is not. 😊
Yes, great tips!
Hey Emmy and Paul. Another great video. One thing I’ve been doing this year is setting aside in savings a certain amount each month that we will need for Christmas, birthdays,etc. Now I won’t have to worry when the time comes, because the money is already there.
Yes, very smart and so much more relaxing come the celebration time!
Shopping the counter, frig, and freezer looking at sale items them plan meals around that. It's does take a little longer but the savings is amazing. Also started writing your recipes down plus getting out the cookbooks and compiling recipes for when I get stuck. Having those recipes around for something different has been a great help. The potato cake recipe is going on the list. Have a great week 😊
You will love it! So delicious!
I work a 10 month contract. I retire only for the summer lol. I’ve been watching you guys and other frugal people. Ive been preparing to go with out pay for the summer. Taking all the tips . NY girl here. Our summers are short .
Yes, they are! So happy you are part of our channel!
This video is so helpful! I struggle with gift-giving I love to give gifts but I run out of ideas. We all have so much stuff. Would you consider dedicating a portion of a video to gift-giving? I would truly appreciate it. Thank you both for your encouraging and insightful videos. ♥️👍
Great video idea!
I'm on Medicare and have a supplemental plan. During open enrollment I switched the supplemental plan to a different provider. I saved about $70 a month by using a provider under AARP. It was the same plan type with the same coverage I had before.
Gail! That’s wonderful!
Who was it that said "Eternity is two people and a ham." Loved the patty recipe!
Thank you for your great videos.
😂 love that!
Emmy I totally agree with good quality foid
Food wise, we're as organic as we can afford. Our musts organic wise is milk, spinach, tomatoes, ketsup, mustard, herbs, kale. Otherwise, I have a big garden and I grow in bulk what we eat the most and grow most of what is on the "dirty dozen" list. I'm also moving toward locally sourced meat and eggs direct from the producers.
Our local library system is a great source, especially for the kids. I've also met a few mommy friends along the way and feel so blessed (even though I'm the "old" Mom, lol)
I've also attained memberships to 3 different museums and use them several different times a year. They're all due around tax time so that's our main "treat" with the return.
Wonderful!! Very motivating!
Great tips Emmy and Paul. I used to carry my phone in my back pocket until one day I went to the bathroom, guess where my phone ended up? I no longer carry my phone in my back pocket. lol Have a great weekend!
LOL! YUP!
Prayers that you and yours are safe after the quake xxx
Yes, it was minor here thank God!
We use Facebook marketplace as our first stop for many expensive items. Our washer died, my hubby researched the replacement model we wanted, shopped the big box stores and FB marketplace and we found a current model for $500 less than brand new. Picked it up and installed it and now we have clean clothes again ❤. We save for Home Maintenance/Repairs/Replacements every month so had the cash on hand.
That’s wonderful!
A tip I'd like to share: if you find yourself in a position of needing to replace an expensive appliance, consider using the Home Depot credit card and its built in 0% interest for 6 months on ANY purchase of $299 or more. Can't tell you how many times I have utilized this option to obtain the items that I need in my home (washing machine, dryer, chest freezer, upright freezer, generator, kitchen stove, new flooring, etc.) You must be very mindful of the required payoff date to avoid paying the accumulated interest, and you must also make monthly payments, but this can really be a viable option. Once established with a Home Depot credit card, they will mail/email even better offers that extend the time you can pay off a sizeable purchase. It's something to consider; it's an option that has served me well and I will continue to use. Thanks for another great video!! Love the recipe that you shared!
Thanks for sharing your great tip!
The use of credit cards is often paired with negative thoughts of living above one's means/going into debt, however, the WISE use of a credit card can be a valuable tool in cost savings. Make the card and its perks (cash back rewards, for example) work for you.
My clothes dryer was new in December 1979. Two years ago, it stopped working and I debated buying new or repairing and decided to repair. The repair cost around $235.00 which is about the original purchase price of the dryer. The repairman replaced the broken belt and recommended he also replace two pulleys that were very worn. Two years later and it is still working fine. BTW the dryer was purchased with $200 of gift money from my grandmother and uncle after we lost our home in a tornado.
Wow, that’s wonderful!
Remember when Folks hated the Afforable Care Act" 💓that they look 'FOWARD. .also they offer discounts on INT. & Phone serv. In Tex. 😍
Thank you for another wonderful video!! Those Patties looked delicious, I will have to try them next time I have leftovers. To answer the question, we have a yearly budget we do every New Years Eve. We made it a fun tradition! We make columns of categories and budget out "Date Days", personal spending for each of us, etc so every time we buy something it gets deducted from the grand total and we can keep ourselves honest.
What a great idea!
Christian healthcare ministries might be a viable option for some people for less expensive health insurance.
Tracy
It worked for me while I was too young for Medicare.
Unfortunately GHCM is a tad anti semitic
I am so happy I found you. Thanks for all you do.
You are so welcome! We are so glad you found us too!
Loved the video, thank you x
You are so welcome!
Your potato pancakes look good. We stay affordable by fixing things that breakdown in our house by ourselves. It pays to be handy. If we can’t fix it, we know someone that can. I love to garden, so I grow most of our produce. I have sources for produce I don’t grow. My friend shares peaches and in return, I share the peach preserves and canned peaches with her. When it comes to gift giving to adults, I will bring homemade cinnamon rolls or fancy cookies. Beef prices are going up. We have been purchasing beef from a local farmer. We purchase a quarter of beef. It keeps the price per pound down.
Yes, beef has gone up...again!
Dawn over at money mom had her brand new fridge break down twice already.
It's the one that has ice and water in the door.
Those particles models are prone to breaking down
A YT repairman strongly advises NOT to get ice/water in the door. They are very prone to breakdown.
@@sallydunbar1683 Yep, I saw a video with a repairman who advises to get the simplest refrigerator you possibly can. Nix the ice maker if you can, since those are prone to cause problems. He added that the super simple ones last the longest.
For birthdays and Christmas, where I live things go on sale often. I pick and choose during those sales, sometimes 70%-90% off, to account for those or for a birthday that we know our kids might get invited to.
I shop seasonal sales for clothing for the kids, too. Winter items by spring range from $1 to $3 and it gives our kids clothes for winter so much cheaper than $10-$15 per outfit or piece. Side note, in the areas where I have access to thrift shop a kid's dress can be $7 and a t-shirt $5 and that's on the lower end. So the trick for clothes where I live is the seasonal bit.
Great tips, thanks!
You always have such great tips. Great video.
Thanks so very much, Joyce!
I love scratch and dent but I’ve learned not to shop the “scratch and dent” individual stores locally. Our fridge quit (it was a terrible setup and we made the decision to get a different model) and we decided to go “new” but from a local scratch and dent store. Big mistake. That fridge quit unexpectedly within days and we lost food. The fridge they replaced it with is a nice high-end model but it’s had its issues too! Washer and dryer went almost immediately after. Looked into repairs but wasn’t worth it. Bought brand new from big box stores on sale and it’s been worth it. I know others have had the opposite experience but it’s never gone well for us with “second hand” appliances from the stores that claim they are only scratch and dent.
Thanks for sharing your experiences! Great point!
You have great ideas, and We as a couple do a lot of the same things. Love your channel.💕
Thanks so very much for the kind words!
Great suggestions! My favorite was planning ahead for celebrations. I do that for Thanksgiving and Christmas. But I will be thinking about the other holidays as well, such as the Spring/Summer days, Mother's Day, Father's Day, 4th of July! Your videos always make me think and rethink how we spend our money! Blessings, Mary Kay
That is so wonderful to hear Mary Kay! Thank you!
Hi Emmy & Paul. Love your beautiful fresh flower arrangements you have been having lately. The picnic basket and breakfast idea was cute. The ham potatoes patties look delicious. We saved money on our Easter celebration by using glasses and our everyday cutlery. Haven’t thought of any new ways to save.
Love my Trader Joe's flowers...they last for weeks! $3.99 a bunch!
Thanks Emmy and Paul for another great video. Love from Wisconsin
Love right back, Laurie!
I'll have to keep that recipe in mind when the holidays roll back around
Yes, it's so good!
Those fancy potato cakes sound wonderful!
So good, Dora!
Great video.
Thanks so very much!
So glad to be in UK with wonderful free NHS, although prescriptions £9.65 per item, (free for over 60s and children).
I love listening to you. You are so articulated and sweet... and the tips you share are a gold mine to me. Thank you so much!
You are so welcome! What a kind encouraging comment thank you!
Oh my! I started salivating over your potato pancakes! I'm going to try them soon. 😊
You should! So good!
That recipe looks amazing… will try it soon as we have a ham to bake . We love you guys. Look so forward to every video !!!!
So kind! Thanks for the encouragement, Susan!
Good evening Sweet Couple ❤️❤️
Good Morning Dear Pat!
We can get a way any day without leaving our yard. 25 years ago my husband and I were in iur garage stacking boxes gor storage. I looked around the wooden one car garage and said this could be an awesome cabin. We had looked at getaways in Maine but we realized that we eould never get yo enjoy it. We ended up selling all the STUFF we stacked and our cabin journey began. The first ourchase was an old wood cook stove from an antiwue shop nearby. The cabin was all set to be used in a short time. We call our get away. Moose Lake Lodge. We dont have to go far yo enjoy the great outdoors. We also set up tents in the yard for family to camp. We have an outdide fire ring that ee cook over too. We live a simple wonderful life.
Oh my goodness how wonderful! Amazing! Love it!
I’m going to try this recipe. Looks delicious
So good!
Those ham patties and horseradish sauce look delicious. Going to try them!
So good!
Volunteering at concerts is genius! Nothing like live music. Thanks for all of your ideas.
Yes, we absolutely love doing it!
I do a similar recipe with tuna fish. It was a Friday go to during Lent. I have a silicone phone case cover in case of dropsies. There are also neoprene cases and holsters, which I never used on a belt, just to keep the phone safe.
Yes, I think I am just naturally klutzy LOL!
Hello from Kentucky
Hi Linda!
That chicken and potatoes looked delicious…will definitely try to make it 😊❤️
Hope you enjoy!
Hi everyone from north Florida
Hi Deirdre!
We enjoy free Concerts in the Park and Movies in the Park. Variety of music weekly and good movies. Picnic blanket and lawn chairs. Nice to be out for the evening. Free!!
Just found your channel. It's great😊
Welcome! I’m so glad you found us. Thank you!
I just bought an LG washing machine 2nd hand at Habitat For Humanity Re-store for $150 with a 30 day warranty. Fingers crosses that it works well!
Oh I hope so! That’s a great deal!
For my birthday I asked for a package of smoked salmon. Definitely a luxury we can't afford very often. So delicious.
What a great idea!
We were looking at fridges 8 years ago as our current one was making noises and more. We were still shopping and wanted stainless steel with a number of other wants inc,Inc, jo water dispenser for something to fit in our small space when we saw a landlord special, lower end, white Hooint along side the road with a free sign. Were still in a simple fridge in white without any chips were aware of and it has probably survived 20 to 30 power outages. Outside of the renters with low tech landlord fridges in the surrounding area, most of the fridges have not withstood the test of time, outages, and brown outs. - We have checked and we have enough buffer money to buy a low tech replacement at any time. Its not been a high enough of a priority to replace a functioning fridge with something similar in stainless; but we could.
Like you said, it wasn't a high enough priority! Good for you!
Enjoy your videos and although I practice most of the things you discussed, can’t emphasize how much others need this information.
Thank you!
Awesome content and tips and I’m going to try that Ham/mash potatoe mmmm I love Panko Crumbs so crunchy. For your ? I usually pass it up and say maybe next time
Sounds great! Very smart!