7 ways to live off a low income & not be poor - Seven tips that will make your money work for you
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- เผยแพร่เมื่อ 28 พ.ค. 2024
- This week I give you 7 tips to help you to stretch your budget with the minimum of pain. Getting your money to work for you by trimming back on unnecessary spending.
Chapters
00:00 Introduction
01:58 More House Than Money
04:18 Car Rich Cash Poor
07:16 Tell Your Money What To Do
08:51 Give It A Trim
12:09 Keep An Eye On It
15:07 It's Going To Happen
17:21 Don't Drip
19:31 Outroduction
Frugal Queen in France
Like the menu board & Budget Book? We have now started Amazon Affiliate Links its available here:
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We are a British couple living in Brittany on a budget.
Frugal recipes, days out, home renovations and day to day making do in France.
We’ll give you hints, tips, advice and an insight into our life in France.
Website www.frugalqueeninfrance.com/
FaceBook / frugalqueeni. .
Instagram / frugalqueen. .
Twitter / batt_jane
Equipment used
Camera : iPhone SE (2016)
Mic : iRig MicCast2
Editing : iMovie on an M1 Mac mini
Music:
Audionautix is licensed under a Creative Commons Attribution 4.0 license. creativecommons.org/licenses/...
Artist: audionautix.com/
Some Sound from Zapsplat.com
TH-cam Audio Library
Apple iMovie
In the US, the average new car costs $40K. As soon as you drive it off the lot it depreciates. Buy a good used car let the first person pay for the depreciation. I saved and paid my house off 12 years early because I bought a house that was less than I could afford. This allowed me to retire at 58. Please listen to Jane.
Nothing better than the feeling of NOT making monthly payments. Thanks for watching.
@@FrugalQueeninFrance ABSOLUTELY...Freedom is living debt free!
$40k average? Tesla costs this money)))
@@marian5249 Average car in the US is $40k
@@lray7421 if you calculate this number by average of the alll american cars, then yes. But we are talking about average American people. Do you see a lot Americans driving 40k car? Doubt it..
Pandemic living has shown my household that ordering groceries online for free parking lot pickup saves money overall as we are never tempted by sights and smells of food we can’t afford.
That's a great way to save money
I use Shipt. There is a one time fee of $39 for a year, and then as long as your order is over $35 there is no delivery charge fir a year. They bring your groceries right to your front porch. I think that’s a pretty good deal.
Yes! That's been my huge time and money saver too. I pick up when I'm in that area bringing a child to her sports which saves me an entirely separate trip and gas money. It's well worth the $3 fee.
Yes! Saves time money and effort to pickup groceries
I lived with a no budget husband who has passed. Living extremely frugally for a couple years and gaining financial stability, I keep my budget on a spreadsheet, every expense in its category and instantly giving the amount remaining at the bottom of the category column. A good discipline. However, I’ve also had to give myself permission to buy a piece of clothing, reminding myself that the money is there in that category. That it’s OK! I live nicely on a low income with financial freedom, which is priceless.
Thanks for sharing Judy, financial freedom is priceless
Thanks for every word TATA BERLINE South africa
I feel for you Judy my late husband was just the same. If we had extra money in the budget that he didn’t know about I kept quiet and didn’t tell him. Sometimes I felt like I was being sly but it was the only way I could manage to top up the saving. I too am living on a budget and although I am on much less income I am much richer because I live by my budget and keep a tight handle on my spending. Don’t get me wrong I still have a small personal allowance that I can spend on anything I wish without feeling guilty. The peace of mind that the budget and my savings bring me are with the frugal cuts I make day on day. Good luck with your financal secure future.
The aggregation of marginal gains😊😊
I am now retired, but was a single Mom of 2 boys for many years on a low income. I always told my boys that I've been broke but I've never been poor. Poor is a state of mind.
That's a great explanation
So true!
Love that explanation
Lol. Living in America and being older means that your employer most likely would not hire you with benefits, and your health insurance will be thousands of $ and will not cover anything. You can save and live frugally, but one surgery will put you in the poor house, and your future wages will be garnished to the end of your life.
Healthcare in America is the main reason for bankruptcy. You can't save millions just to pay for unexpected health emergency, and good insurance can run you $30k/ year if you're older per person. You're not low or even middle income if you can afford it.
@@vg7985 lol not everyone live in America!
My husband and I are frugal so that's why we can afford monthly donations to animal charities because that's what is important to us.
LOVE that!!!
Great to hear that
Lovely ❤️
👍🏽👍🏽👏👏👏
I do this too! I donate 10% a year and keep it in my community to avoid high administration costs at big charities. I hand out a lot of grocery gift cards to elders and partner with a cleaning company for people going through fire, bereavement and illness. Look around, time is also a donation, and most communities run on volunteers and good Samaritans.
I haven't left my home in two years and I'm still not bored. lol As an artist, I'm into visuals and decor is very important to me. I'm inspired by my surroundings and with a little bit of imagination and ingenuity, a poor person can live rich.
Great
I hear you. My little apartment in my sister's house has exactly what I want. I am an artist as well. I get very nice or expensive items at great prices. Got a pendant light for the kitchen that was over $400 originaly for $40. Does not require a light bulb. I got beautiful tiles from Mexico for 73 cents or so each for counters. Have an eye so price is not what matters. I make disability money which is low but get paid sometimes for using coupon deals that pay you bacl for household basics. Know how to cook very well so inexpensive to make gourmet food too
@@Cg12559 I have an eye for things too. I'll spot something that other people pass up knowing I can turn it into a work of art. People walk into my place and they are blown away. My landlord was so impressed she raised my rent. It has it's drawbacks too. lol She said "I wish my place looked like yours." I knew that rent increase was coming. lol My feeling is everyone can live rich even if they are poor if they want to. It just takes some imagination. I'm into cooking too and I would also consider myself a gourmet cook. I was rather good even before the pandemic but now I'm proficient in just about every kind of cuisine. I used to love dining out but at this point, I don't think I'll ever dine out again, maybe because I'm a bit of a germaphobe. The virus kind of turned me off to dining out. It sounds like we have a lot of things in common:-)
@@dissidentfairy4264Your landlord should have lowered your rent since you made that apartment more attractive!
We got tired of paying an extra $100 per month for 150 channels we didn't watch (most were advertising) from our TV provider. We have a streaming service and use antenna and have saved ourselves $100 per month. That is $1,200 a year and we don't miss it at all. During covid I started cutting my husband's hair and trimming my own. Not to mention grooming my yorkie. That is another $100.00 a month. We don't feel deprived and live very well on our retirement income.
When we make our own choices, it's never deprivation. Your're doing great. Thanks for watching.
Thanks for sharing this as it is something a lot of us can do too May All go well with you & yours!
Long ago I began to work on a partly perennial food garden. I have a plum tree, an apple tree, rhubarb, strawberries, raspberries, blueberries, asparagus and a variety of herbs. I save seed each year so always have beans, peas, parsley, spinach, lettuce…. You get it. Some plants are volunteers. I have some nice potatoes which I didn’t plant. You get the idea.
This year I re-did the raspberry bed as it was full of roots from surrounding trees. It was completely dug out and new soil and compost put in. I trimmed my existing plants and had enough to re-do the bed and donate some to a local plant sale.
Make friends with gardeners. Most are willing to share cuttings..
I love the true, old saying..."If I take care of the pennies, the dollars take care of themselves!" 😉
it's a great phrase.
One of my favorite sayings. Just ask my family. LOL
Haha the Mantra I use
I’m the Uk we say: Look after the pennies and the pounds will look after themselves. I didn’t know you had a similar phrase in the states
I have not owned a car for several years and instead take public transportation. I plan where I live based on the availability of public transportation and put a high premium on being able to walk to grocery stores and shopping errands. I know it seems strange to many people to be a professional woman with no car, but as I see it my benefits are threefold - I save money, stay fit and help the environment. Great video! I will use your suggestions.
Thanks for sharing
Garden. Keep chickens. Mend clothes. Learn basic car maintenance. Learn basic house maintenance, like fixing a leaky tap. Don’t dye your hair. Do your own nails. Make your own laundry soap. Turn off everything at night… leave nothing on, such as the telly because it sucks power all night long. Get a woodburning stove. Get a crockpot. Learn to can, pressure can, dry and preserve fruit and veg. Never ever ever use a restaurant. (Well maybe once or twice a year.) Keep your pets clean, trimmed by yourself. Use cash… it hurts more to pay cash than use a card. Get a bicycle.
You’re smashing it if you’re doing all that. Thanks for watching and commenting
I just bought my first new car, and it's saving me money. No more repairs, it's very fuel efficient and no towing fees. I will keep it until it's life is over.
All cars bought outright are good, new or not so new. Thanks for watching
@@FrugalQueeninFrance in California, United States 🇺🇸....it makes more sense buying a new car 🚗 because repair costs are exorbitant.
you can buy a 4 year old car with low mileage coming out of a lease , you get a good car without losing the value they lose in the first 4 years..
@@FrugalQueeninFrance 11q%
I know someone who bought a 2nd hand car and ended up paying the previous car owners debts on it. ALWAYS CHECK THE CARS HISTORY.
When shopping for meats, I buy only those that are on sale...or those at the lowest cost . From there, I come up with meal plans. It's a challenge sometimes, but it's working for us.
great advice, thanks for watching.
The same over here, almost everything whats possible we buy on sale and stuck up
If you buy the cheapest meats, the quality suffers greatly -- as those cheap meats will have a lot of nitrates, and most likely won't be as fresh
I don't eat meat , poultry, fish, or dairy and save a LOT of money in doing so!! The only extra expense is Vitamin B12
@@geekmega7527 Lisa was talking about meat that’s being sold on a sale price or special offer. BTW, I don’t stand for snobbery on this channel. If you don’t like what you hear or read, then just move on. Thanks for watching.
My husband and I have taken early retirement and because we have no debt, we have more money now than we ever had.
It’s a great thing. Thanks for watching
We have stopped actively budgeting recently.
Modest spending has become second nature to us over time (we are in our early 40ies, no kids, but just one income), as a result we are saving about one third of my income without much of an efford, and when the home is paid off next year, that will shoot up to around 50%.
This feels incredible tbh.
Thanks for sharing
When I moved to Portland OR I parked my car for a month to see if I could live without it. After the first two weeks, I never thought of it again. That was in 2008 and just that one move allowed me to pay off all my debt and buy a small home. I know it's not for everyone but riding my bike has been wonderful. When the weather is truly bad I either take public transit or catch a Lyft ride.
We lived in a city for 13 years, for most of that time, we didn't have a car.
Brilliant tips Jane, I live completely debt free (and I just turned 50) and we paid off our mortgage as quickly as we could. We stick to our budget, and we also trim and revisit the budget weekly. To live debt free makes me feel very rich, very proud and we live an amazing life! People might look at our home and make assumptions that we are hobby frugalist, NO I worked very, very hard to be in this position and while they were out getting their hair done, going on expensive holidays, dining out and drinking lots and wearing fancy clothes, looking like a "would be if they could be" with fancy bags, shoes, gym membership, nails done etc I was going without, and I was charity shopping and eating and cooking my meals from scratch and not having fancy holidays. I worked as a cleaner on the side to make extra money, I used everything up and reused. I didn't upgrade things around my home and I made my home look and feel very homely on very little. The big tip Jane was don't let it drip.....I think your tips and advise are absolutely on point and very helpful for so many people THANK YOU for sharing your advise.
I love that phrase hobby frugalists. People might think that about anyone who has a paid up lifestyle and frugal means something different to everyone. Good for you and thanks for sharing.
Congratulations!
Great video. We can always trim here and there. I bought a second hand car 20 years ago and am still driving it. I regularly have it serviced and keep it clean. Sometimes people tease me about it but I mention with a sweet smile that I haven't had a car payment in all those years!
That’s wonderful
on a depreciating asset!
Good for you. My car is 13 years old and paid for. Just like you, I keep it clean and tidy and make sure to take it for regular maintenance check ups!
As someone who struggles with this I really needed advice but I always feel that I’m being told off or patronised - not in this case ! Straight forward realistic useful information delivered in a friendly matter of fact way. Thankyou 💐
You’re welcome and thanks for watching
I shop thrift stores for clothes for the family...my favorite store has a ( buy one get one) on Mondays. I made it a habit to only go on Monday ☺️
That's a great tip
I get 6 fresh free range eggs from a neighbour in exchange for a piece of the cake I bake with 3 of them. It makes him a happy widower and me a happy cook as well as providing for social contact.
I barter whenever I can.
When I take my charity shop clothes to the taylor's for alterations I always take along some unused buttons, or fabric, or tin box that she can use. That wayI purge my stuff and get a discount on the alterations' price.
As I sow as a hobby, in the summer months I start sowing small Christmas presents that I then sell to raise some extra cash. By doing a little each evening I hardly notice and the pile grows quickly.
I've offered my friends to sow curtains at half the price they would cost in a shop.
Greetings from Milan, Italy.
Thanks for sharing
Fabulous! I love bartering, sharing and exchanging with neighbours, great post, thank you 😊💜
Walk instead of driving if possible. Reuse, recycle. Cook at home. Eat more veggies and less meat. Trade goods and services with a friend.
Thanks for the tips!
Excellent advice. I am nearing the end of my full-time working life and am saving like mad. I put away funds each month before payiing anything else. I know exactly how much I spend each month. My children are grown up so I have only myself to keep afloat each month. I find spending as little as possible a fun game!
You can do it! I'm with you. I try to put a bit away every month.
We had a slow drip in our faucet, so I would put a gladd under it & when the glass would fill up with water, i would water one of my plants, I would rotate my plants & by the time I came back to plant # 1, it was ready to be watered again. When my husband finally got around to fixing our faucet, i actually missed using my dripping faucet method to watering my plants. Now I have to make a conscious effort & remember to water them.
Great tip, thanks for sharing
In the summer, I save the water from the washing up to water the plants outside. We also have a water butt collecting rainwater from the garage. Whilst on water, perhaps a soakaway drainage system in your garden would save on your water bills. (You manage the rainwater running off your property). Need to research as not all properties are suitable, perhaps your water utility supplier can advise but we save a lot of money on this.
We just keep the one car, an immaculate Subaru 2014, A much needed four wheel drive necessity. Montana is vehicle crazy with motor homes, trailers, boats, motor bikes, ski doos, snow mobiles , etc. We are avid gardeners and enjoy sharing with neighbors, Food Banks, and the Homeless Center. We may go out once a year, we enjoy fixing quality meals at home, that are frankly better that eating out. Not much available here. We do better ordering clothing online, on sale with discount codes than the local thrift shops( overpriced and rather tatty). or simply Costco. We are senior seniors and downsize weekly, we need or want very little and are happy on our patch.
You are doing great Jeanne, thanks for sharing.
I always heard that if your outgo exceeds your income, your upkeep will be your downfall. From South Carolina in USA (just found you today!) Thank you for your video.
Thanks, that's why we're frugal, so we can live way under our means.
Good one!!!
I've just found your channel and I'm binge-watching all of your videos. I have already found myself a notebook and have started budgeting everything, thank you so much for all your hard work, you are truly helping people. No more head in the sand for me!
Good luck,
When I was widowed and sold my family house I wanted to stay in the same area, a small market town in what is considered a good area so to do this I needed to down size, I bought a smaller property that needed updating. I allocated a budget to do the updating and put a chunk of the money I go from my house sale into long term saving to give me financal security. This has allowed me to live on a much smaller income, and live well below my income. A win win situation for me. Wish I had been able to do this years ago. It has been liberating.
So glad it worked out for you
Cancel that gym membership, do your walks and exercises outside in fresh air. Thanks Jane! Helpful tips!
Great idea!!
Speaking of "trimming," during the pandemic last year, it was too inconvenient to make an appointment with my hairdresser for a simple straight trim [not to mention, costly], because I have so little hair left. So I asked my hubby to watch a video on how to trim hair, and the rest was history. Haven't been to the salon for over a year, and was able to put all that money plus tip straight into the bank!
Great savings there Pam.
I've been cutting my own hair for 15 years now. I wear a simple chin-length bob and it's amazing how easy to cut even the back. To learn, I closely watched the stylist and have managed to replicate that cut.
I’ve long hair, trim it myself. Found I spent too much money and time in the hairdressers, which I’ve never enjoyed, so it had to go!
I Have had two haircuts since covid my husband is quite the expert at trimming the back
Frugal Queen walking the walk and talking the talk! Thanks!
Hiya, I save money by having a stock cupboard style pantry. So, when I have money I will buy 2 cans of mixed beans one week rather than just the one I need for that week's meal plan. Then when times get really hard I have both my HM ready meals in the freezer + my pantry to shop from. Thank you for 5% tip. I'm just off to read my meter right now. I'll let you know in a fortnight if I manage to reduce it by 5% in the subsequent week. No heating on until October so this little challenge has come just at the right time. Thank you
Thanks for taking up the challenge Lyn. I hope you can reduce your consumption and then you bill. Good luck.
The same.⚘
Timely reminder, I know I’m guilty of the… little bit of this and that… while going around the supermarket, it really does make a difference
Remember, if it’s not on the list, it’s not going in!
I am too..
New subscriber here from the US. The main things I have done recently to trim was to: Stop going to thrift stores. Only put 8 to 10 gallons of gas in my car no matter the cost. I am in a customer oriented career, so decided to buy selections of clothing that function as a uniform of sorts, with changes of earrings, shoes, jackets and handbags (all of which I already own) to create different looks. Thanks for your tips!
Thanks for watching and your tips too
We are also frugal early retirees and live in Australia. When we had our first mortgage in the 90s, money was really tight. The grocery budget meant shopping once a week only and I would round up the cost of every item and stop shopping once the budget had been used up. At the checkout, it always cost a little less so I could buy one treat.
Thanks for sharing
Yesterday I finally made the decision that I am going to retire early at 55 when I can take my full NHS pension - I am already frugal but this video was perfect timing for me - I am going to spend the next 5 years trimming my budget so that I can get used to living on a reduced income. The 5% reduction is a great idea, and so are the sinking funds for known outgoings - I currently lease my car which I can currently afford but I agree that it is an expensive way to have a car. I’m going to start saving now so that I can buy a used but fairly new car outright when I retire. This video has reminded me that it is possible to retire early - I’ve just got to plan ahead and remember my why - I just want a simple, less stressful life xx
Good for you Joanne, we are not born to work
And die
I retired at 57 and oh! so lovely to enjoy sunny afternoons, time to bake, cook, sew, knit, read, garden, dog walk. The days fill doing what I want to do and enjoying the simplicity and calm. Turns out I need spend very little to enjoy my leisure.
Just think how much you can save in 5 years!
I'm rewatching a lot of your videos as you're the best frugal youtuber out there and I need the inspiration. As a frugal Christmas present to you I'm letting the ads run. Thank you for all the effort you and Mike put in to making these videos. They are extremely helpful 🥰
That’s really kind, thanks so much.
Could you explain please?
@@barbarahollands6415 I'm not skipping the ads which, I believe, helps their revenue. Is that what you mean?
I’ve been cooking and baking more recently rather than buying convenience foods, I made flapjacks today! I’ve also mentally downgraded where I’m going to allow myself to shop for clothes, I’m going to try the charity shops and supermarkets. It’s a bit scary in the UK at the moment with possible fuel price rises and definite food price rises. Our income hasn’t changed I’m just trying to anticipate higher prices, like you say keeping a bit aside so that we are never poor and also anticipating those things that will always happen.
Assume brace position.....every day! It just feels like we have to be ready for anything at any time .
Finally a video with some useful tips rather than just recycled information that circulates from channel to channel!
Thanks for watching and commenting
I had so many problems with used cars. They cost me a lot of money. So finally, I bought a brand new car. I would not trust a used car, buying it by myself anymore. If I had a partner or good friend that knew about cars, I would trust them. However, I do not. My car really brings me pleasure. I am saving to pay cash for the next car I have to buy, after I run the current one to the ground. Cars and electronics, I will always buy new, or do without. I agree with your other points, and do most of them.
If it works for you Joyce, then you do not have to explain yourself.
@@FrugalQueeninFrance Just participating in the conversation is all.
I'm living right now on a budget based on my retirement income, to test it out. I'm still five years from retirement, but want to know if the budget is realistic, and want to have all my housing, etc. lined up before I take the plunge.
We did exactly that. We lived off a percentage of our income and saved the rest.
I am doing the same thing so that when I decide to retire, the drop in income won’t feel like a shock.
Redwoods I did this same thing and got really good at staying in my budget. When I actually retired I got $200.00 a month more than I had been living on. Plus all the money I saved by working and living on what I thought I would be getting. A real win win for me.
New to your channel and I can't wait for more content! I love this way of life. As a 33 year old, I'm debt free (no mortgage or car payment, it's an old truck that still works fine at 85k miles as long as I keep up maintenance and I bought my grandmother's house for $25k) and have only 2 low paid off credit cards every month. My bills are very minimal too since all there is is utilities and insurance, but that will change when I retire - then I will have none when I live in my sprinter van! :) Off to binge the rest of your channel. ♥ Thank you. Also came here from She's Drinking Coffee channel. Kate mentioned you and I was curious. Glad I came. ♥
Kristin, you are set for a great future! Good for you
Im a new sub to this channel. It’s funny that you mentioned Kate, I’ve been watching her for years but I haven’t watched her since she came back to TH-cam recently. This channel here was just in my recommended list so here I am!
33 year old - you are on the right track😊
If you have long hair you can pull your hair into a ponytail on the top of your head and then pull the pony straight up and trim the ends .It works really well and can save you 25 dollars or more every month to 2 months or so. Also, if you swish hydrogen peroxide in your mouth for 2 minutes per day it will whiten your teeth with professional strength. Learned this from a dentist.
Thanks for watching and taking the time to share.
Another way to save is holidays and gifts. I live alone now and I have one grown single daughter. We used to give each a number of nice gifts at Christmas. A few years ago we changed to just filling stockings and a nice meal and time together and maybe a movie. We’re just as happy and find it less stressful. I bought a new car and paid it off before I retired and it’s now 13 years old and I’ve had pretty good luck with it. I paid my little house off 2 years ago. I got rid of cable and use an antenna. Nice clothes last longer when you’re not going to a job every day. I go for walks and borrow books from the library. I do miss my in person book club and Silver Sneakers exercise classes but I think they’ll start up again (pandemic blues). I feel blessed and enjoy my life.
I hope that you get to your social activities soon Nancy
We live in a small, modest home. It's such a blessing to be debt free, but we've always tried to live below our means.
Being debt free means a small income goes a long way Thanks for sharing.
Brilliant content, as always.
A tip for parents re pester power. When my kids asked me for things when we were shopping I always said, "I'll put it on the wish list and if you still want it at birthday/Christmas time, we'll get it then." I would then write it down in a little note book I kept just for this purpose. I never had problems with children begging for things or having tantrums at the shops. When they were old enough for pocket money they were able to save for things they wanted or put a lay-by (lay-away) on a book from the book shop.
My other rule was that 50% of any birthday money or money from part-time jobs MUST be saved, no exceptions. Doing this, my daughter was able to buy an excellent used car with cash and my son saved enough to get himself to Germany (from Australia) for an exchange program to improve his German. Of course they sometimes succumb to temptations as young adults, but they also have maintained good planning and savings habits. The bottom line is, parents need to lead by example and say 'no' when necessary. This is a long-term gift to your kids that will keep giving for the rest of their lives.
Thanks for sharing.
Pester power was banned for my children in the 80s /90s and is banned for my grandson now!
I believe in teaching them to budget from their 5th birthday onwards. On that day, they each got the first a small weekly pocket money and had to make it through to the next week with absolutely not a penny more. They learn fast that the bank of mummy/grandma doesn't allow an overdraft facility and that putting 25% by this week will give them either a little to put into their savings accounts or a little extra to spend the next week.
I think parents should charge their children rent once they are adults too, so when they do move out, they have a better understanding of costs and financial responsibilities. You can save it for their wedding or other big thing if you wish and can afford to do so, just don’t give them a free ride, it doesn’t do them and service.
I cut my cable off but kept internet and stream. I buy my clothes at second hand shops and don’t have data on my phone. I have no debt but would love to downsize. I definitely don’t need a big home. A little log cabin in the woods is fine with me. Save save save! Nobody needs another nick nack! 😝
Thanks for watching and sharing
I am choosing function over fashion , when I buy my next house in a few months. I going to buy a smaller home, and will be able to pay cash for it. I will also be moving to a much lower cost state.
That's awesome. Good luck with the move.
We will be doing this too …
More people are
preparing wholesome vegetarian/vegan recipes thereby you can lower grocery bill. There are countless delicious recipes available.
Thanks Dawn.
Boy oh boy... I don't drip... I pour! I pour my money into near-daily coffees at a local cafe. It's a justification, but I do love supporting an independent cafe, and I do love sitting in their garden -- it's a mental health break. I am still working, so in some ways, this is my escape and my therapy.
I also track every single purchase in a spreadsheet.
Drive here all the time. In the USA, in a smaller town. They have a couple of vans that they can use as transport but they only run downtown or to Walmart so you have to drive to get there. They also have been on the verge of shutting down the last few years because no money. Only stayed open so far because of anonymous donors.
thanks for watching
Absolutely awesome! ❤
Thanks Jan.
Excellent lesson Jane !!
Thank you! 😃
Love your channel. Bless you. X
Thanks for watching
Absolutely love these tips. My partner and I do what we call "weekly budget meeting" where we sit with our spreadsheet and tally up the outgoings and always keep an eye on our finances.
After we've been paid we always know what is coming out and how much we have left. We instantly put our savings away so we don't touch it. We also give ourselves a discretionary fund each so we can have the odd treat, drink with a friend, piece of clothing or book.
I must admit we do not have a sinking fund. Instead we use the savings for broken white goods, vet bills etc , but I love the idea so I shall be bring this up in our "weekly budget meeting" this week.
It's amazing how much money you can save by shopping from you freezer, pantry and fridge, also using all frozen leftovers that you have .been 2weeks since ive gone to the grocery store! Yay!!!
So true!
Great tips that work!
Glad it was helpful!
Excellent video well said and practical .
Thanks for watching
Great advice!
Thanks very much
We are now retired and have a small secondhand car that suits our needs. My husband was entitled to a company car when he was working, he worked out that if he bought a cheaper car and not a BMW or Mercedes I could have a new car as well on his company allowance, I had two new cars this way. A friend was car less but her husband was driving a BMW, this was in a country with no public transport. I do not keep up with the Jones they are to busy trying to keep up with me, and I have a lot less money than the people who are trying to keep up with me, it all depends on money management.
Thanks for watching and commenting
Thank you💕
We live 35 miles from the nearest grocery store and doctors. We retired to a lower cost area, significantly lower than most of our state. In making this choice we have relocated away from all of our friends and family. So we are very independent in our thinking. We do most projects by using what we have on hand, and making do. We have lowered all of our expenses to the lowest possible. We now look at how to trim our food budget costs. We buy in season, in bulk, and on clearance whenever possible. Then we can go through the winter months without any grocery shopping. That money gets tucked away, into a savings account that earns interest, at 30 days if we don't need it, it goes into mid term savings. At 90 days it will get moved to long term savings, if it is not needed for expenses.
Fantastic and thanks for sharing
Another excellent video! Top notch helps.
Glad to help!
Every time I come back from shopping I put all my loose change in a jar. I don't miss it and when we go away on holiday I take it all to the bank and end up with a pile of spending money. I enjoyed your video.
Very sound and solid advice!
Thanks very much
I prepare my menus based on what is on sale and you will not believe how much I have saved.
Thank you......thank you.....thank you so much
You’re welcome
Thanks for all the 7 ideas!❤
Thanks very much.
Great tips! God bless!
Thank you
Very helpful video. Thanks. 🥰🌼
You’re welcome
Hi Jane, my husband and I downsized to a small new mobile home a few years ago, we have loved it, and we paid cash for it. Our cars are paid for. The trick was getting rid of the big ticket items for us. We now have the freedom to do pretty much what we want.
You need to sell the big ticket items?
@@FrugalQueeninFrance we sold our big home and downsized. The cars were little run around cars, so we didn't have to sell those, but we definitely don't want large car payments
Great tips as usual, thank you so much! As an aside, I was forced to skip thru one of the ads (which I normally let run thru) because it was 33 minutes long!!! I watched the others though :)
So would I, sadly I have no say in the ads but we get revenue if viewers allow some of the adverts to roll.
Love your title. Thanks for the tips!
Thanks we live like royalty even though we're frugal
You have some good ideas, thank you for reminding to double check my budget
Thanks for watching
Thank you very much. Every cent counts. God bless.
Thanks Maribel
Those drips always get me! Thanks for the video!
We all need to be careful of those
Great video Jane. Going to work my way through this. Thank you 💖xx
Thanks for watching and your support
Fantastic tips here Jane, thanks for sharing 😊
You are so welcome!
I like your trimming idea.
Happy to help.
Thank you
You’re welcome
Totally agree about the cars Jane. I couldn’t (and wouldn’t want to) afford a car payment. We had a £1000 car that we have now gifted to my husbands son after we got given one ( a 2010 Nissan) from my dad.
We’re driving round in a £2000 car. When we moved to France, we sold our fancy car, that we’d bought in the UK and released some cash. We needed the money more than the car. Our Berlingo mini van has done us proud.
Amen 🙏 real talk 💯
Thanks
Thanks Jane. Your videos will be a great reminder to me to be aware of what I'm doing & spending & plan more. It's more fun as well!
You're welcome
Fantastic video! Love this! Great advice! As usual love from Sweden 😀❤
Thanks so much!!
Love your idea of giving things a trim. Thank you for sharing these excellent tips.
It's makes it sustainable,. little trim and you won't even feel the difference
Great video...love all your ideas, your presentation, your good humor...watching from Tucson, AZ.New subscriber, just stumbled across your channel today!
Thanks for subbing!
great advice thank you, I try to shop once a week and buy items as needed, as everytime you go to a store you end up spending more,
Stay out of the shops
Thank you so much for your very informative video. You are a very wise lady.👍👍🌻💐🌹
How kind, thank you
One of your best vids, really helpful. I'm def going to try 'the trim' in October. thx, gillian
Thanks for watching
Thanks for explaining how the ads work for you and Mike……I had no idea and now I let them run every time! (It’s the least I can do after all you do for us!)
I’m very grateful for the support and that you watch our videos
My grandma would say "use it up, wear it out, make it do, or do without."
She was right
I did away with cable early on, used my library card for CD's, DVD's, books & local attraction passes, they still have passes to the log cabin & botanical gardens.
Thanks for sharing
Great tips👍 Thank you for sharing 🏴
Glad you enjoyed it
Great to meet you. Every thing said makes perfect sense! I have been living on £67a week for everything and I couldn't cut down on anything else. Always bought from charity shops. Wasn't eating. Cut all the direct debits I could. Life was bad. Luckily enough I have been given another £85 a week, so now it's much better. I did have a bit of a spending spree is. new freezer, toilet seat and clothes from Primark lol.
Angela, things sound really dreadful for you? Are you retired? Or working?
Things have got a lot better as I was able to claim PIP which is a personal independence scheme with the English Government! I cannot work due to back problems, I am 60 and I get mad with myself not being able to work. Every job I gave 110% of myself. I should not have carried, moved so much. I am starting accept my problems and trying to be positive.bi know there are a huge amount of people far worse off than I am. So I must be thankful. Take care and enjoy your husband and home🤗
Angela, please check out other benefits you might be entitled to. PIP is a gateway to these. You may get £140 one off payment for your energy Bill's- check with your provider for the Heating Discount scheme. You may get help towards public transport, dental Bill's eye tests, prescriptions.
In a couple of weeks I'll be moving into a smaller home with no mortgage, yay!! My car is 14 years old, & I eat 2 meals a day. That's how I save.
A massive congratulations and enjoy your new home.
My family use to go to radio station onsite broadcast locations for promo's. The handed out prizes, had drawings for prizes. I won a $1,000.00 spa package once I gave to mom for her 75th birthday. My nephew won a table worth $1,000.00 next to the stage for J.R. Ewing's birthday party at Southfork Ranch. He and the cast flew in a helicopter, landed & walked a red carpet to the stage. We would win tickets to events & concerts, CD's & DVD's. Not sure how much they do this today.
Sounds fun
I’m so glad your channel popped up on my feed!! This is the 1st video to watch and looking forward to the rest.
Thanks for watching and you’re most welcome
I haven’t had a car in 30 years. Not since I moved to urban areas. It’s the main thing stopping me from moving somewhere with more nature.
It's a compromise. When we were city dwellers, we didn't have a car.
Thank you for sharing this. It is extremely helpful to me. I had an extremely difficult time during the pandemic so these tips really help a lot. From Florida, United States
Thanks for watching and commenting
Great video thank you, I have used my car 95% less over the past few weeks due to having a lot of work ( I work from home) and it made me realize that I can keep doing this. I'm planning my trips so I only go to town once a fortnight, which saves us a lot. Now my husband and I are talking about selling our 2vehicles and buying one economical one which will save us money going forward.
That will save you masses of money and keep cash in your pocket