50 "REALISTIC TIPS" TO CUT COSTS, PAY OFF DEBT & GROW YOUR SAVINGS
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- Опубликовано: 30 май 2024
- #moneysavingtips #howtosavemoney #frugalliving
In this video I discuss 50 realistic tips on how to save more money, spend less money and even make more money, starting today! My thoughts and ideas in this video have helped me to get beyond the "Spending Culture" and take control of where my money goes.
Watch these videos next...
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• 18 *EASY* Ways to Cut ...
5 Effective Strategies We Use Everyday to Save More Money
• 5 Effective Strategies...
Here is a link to the article linked in this video...
www.finder.com/unused-gym-mem...
Want to get in touch with me...
Email: jennmariecook2018@gmail.com
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- Information on this channel (Jennifer Cook) represents my thoughts and opinions only. I am not a medical doctor, medical professional, financial expert or any other kind of certified expert. I have no professional training in life coaching. I discuss things I’ve learned that have personally made my life better. All content found on this channel (Jennifer Cook) is intended for informational & inspirational purposes only. Please be sure to do your due diligence and contact a professional with any questions you may have regarding any information you have seen or heard on this channel (Jennifer Cook). This video and all videos on this channel are a means of social support. 
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I'm a senior citizen. My health insurance covers a gym membership. It is a good place for me to relax and swim. And when I was homeless I could take a shower daily.
You talked about the muffin item. I have been craving brownies for months, so I broke down and bought brownies mix from Sam’s club and made all 4 packs and froze single serving size so when I want a brownie I just pull one from the freezer. This saves money one gas from going to and from the store, money from buying single packs of brownies and my time from cooking all at once
Lisa, that is a great idea! I love a yummy brownie ❤️
I’ve noticed that if I’m craving ice cream, if I just get a couple of the frozen taffy out of my deep freezer, I usually am good & no longer craving it. 3 is usually the best bet & then I no longer crave it at all.
When u see box cake mixes on sale bake several wrap in plastic wrap an freeze I like dingle layer. Can bake 4 at once
How do you package them to freeze? I want to try this idea as well!
Make sure to serve them warm! Who told you my secret?
Brownie mix just jumped in price some places. Stock up.
A friend of mine worked in a milk plant; when they got enough of the name brand, they switched the labels to the store brand. Milk is milk.
I've been eating out of my pantry for myself, tuna, eggs salad, canned soups, eating more hot cereals.
I saved an empty laundry detergent bottle and when I got a new one, I divided it in half between the bottles and then filled both the rest of the way with water and it worked and smelled the same. Note: I use Cheer
Great idea!
Diluting laundry detergent is great! Laundry detergent sheets are great too. Less packaging and less $$ per load.
Love this one. Save money and your clothes will thank you. You do not need o much detergent. Same with fabric softener. Use 1/2 the amount suggested on the bottle. Do the same for shampoo and hair conditioner.
I didn't know that they still make cheer
I just use half as much detergent. I then use the same detergent cup and fill it half way with vinegar and add it to the washer in the detergent spot. Then I use dryer balls in the dryer instead of fabric softener. Clothes are still just as soft and don't smell like vinegar!
You are right about staying home. Every time I get in my car, I feel I deserve a treat out. It's a real trigger!
Thank you for sharing this!
Every time I leave home I spend money 😮
Me too. 😄
Over ten years ago I use to take 3 teaspoons of sugar in My coffee. Every Month I reduced half a spoon and now I don't take any sugar
Our church has a "blessing closet". You can either donate or take. Everything is free. I get the majority of my clothes there. Several stores in our area will donate new, clearance items. Consider starting something similar in your community with others of like mind. This is a great way to get things like school uniforms.
I hAve never understood storage units. If you have that much stuff. You have too much stuff! Free yourself and live minimalistic manner. It is freeing indeed
Happiness is rarely found in extravagance or waste. Living frugally is smart not a life of deprivation. In addition to these and other great money-saving suggestions, the tough nut to crack is breaking old wasteful habits and understanding how money works. Awesome job, Jennifer.
I switched my family from Verizon to Cricket and cut my monthly bill by $254... It's worth it
Great tips. I haven’t been to a hairdresser in years. I cut it off myself, my hubby keeps me lined in the back and I’m rocking my natural curls. I get lots of compliments too. I do my own nails and learned to make my own bread. Eating out is too expensive. You can easily find copy cat recipes that are just as good and healthier too especially if made at home.
These are fantastic money saving habits! Thank you for sharing these 🤗
I never do my nails unless it's something from Europe because the nail polish in the United States is carsagenic.
I cut my own hair as well. All I ever got was a trim anyway but my hair is long so it was expensive. I haven’t paid for a cut/trim for 5 years.
Yes going natural was the best :) I use cheap magic for leave in an sealant . None that curling crap like my hair kinky I don’t have 3c hair lol not wasting my money
@@Joce123😢
We never buy sodas. I take a bottle of water with me everywhere I go.
I stopped eating foods with high processed sugar 4 months now i was 48 kilos then and now I’m 42 kilos😊 i stopped eating any kind of breads, pasta and junk foods. I walk everyday for one hour or two 😊
Also rotate yr tires...which saves on yr tires and saves u money...
Absolutely, great reminder!
I always forget this thank you for the reminder
Todays new tires should not need rotating that’s what a very smart mechanic told me ,,,
@cathyb3790 I don't think that is right. I have a friend who gets his tires rotated n his car isn't that old. So u may want to check with someone else...just saying...
@@arthurmantzouris4413 no I am not checking on someone else ,,,everyone has a right to their choices . I have not rotated my tires in yrs ,gas mileage still the same and wear is good ,, I do check to make sure the air pressure is even in each tire ,,on a monthly basis ,,, that is important tip to do ,,,
Here's one of mine...Always go grocery shopping or mall trips after having a full meal. You tend to buy unnecessary stuff when youre hungry!
Agreed!
I use dawn soap for a stain remover on my clothes.
Linda, I will have to try that! Thanks for the suggestion 🤗
Does it work for baby clothes? Lol my two boys have poopy clothes nearly everyday!!
We don’t have Dawn here but I use dishwashing detergent for stains. Is that the same thing?
I just called my provider to cancel the cable tv to get my bill below 100.00 and they didn’t want me to so in return my bill was reduced $67.00 and they added channels and another phone line I was so amazed it’s at $94.00 total
I like these tips. I think keeping your home organized is the best effective tip. A clean, organized home makes you feel relaxing, and happy which will motivate you to do so many great things for yourself and your family.
Such great tips! I struggled forever with “paying myself first” until I started setting up a DAILY auto draft of just $5.50 per day to be transferred from checking into savings. It’s just a little bit every day, hardly noticeable but adds up to $2,000 per year!
Hi thank you for for all 50 tips.
I looked at all videos on saving yours is the BEST!
Love this idea!!
I cut down from washing my hair everyday to every other day. My hair is healthier and I save on hair products, water and gas to heat the water. Also means I get to work on time at least 2 days a week 🤣. I turn off the water between wetting, shampoo, rinse, conditioner and final rinse as I have a combination boiler and pay for each unit of water I use. Save, save, save!
A 600ml coke or Fanta at the show the other day was $7:50 here in Australia. 🤯 everything really has gone up. I didn’t buy it but just was shocked at how much it was. Normal shops they are $5:50 for one drink now. 600ml bottle! Insanity! I am now on 43 days without drinking coke. How I did it was I bought myself a few expensive drink bottles and I said “I can’t buy a soft drink (you call is soda over there) until I have saved the equivalent in what I would have spent on drinks, to pay them off. I also have an app that I get to tick off another day and it tells me how many days in a row I have achieved something. So I know I’m up to 43 days without buying cola because I’ve got to tick each day off when I achieve it.
I actually love drinking ice water now and don’t even want to go back and I used to drink soooo much of it. Wish I could cut out all sugar again forever, I do feel so much better without it. One step at a time.
But definitely soda can go. Easier said than done I know… but so worth it.
You could get a water bottle and buy those little packets of sugar free water flavor at the Dollar Tree.
Yes it is shocking here in OZ we are on the west coast of Tassie 125km from woolies we have a tiny IGA and it is so expensive to shop there
Soda is so unhealthy particularly for our bladder. Stick to water and change it up without hydrating coconut water now and then. Good for you!
I loved the "don't focus on the doom and gloom news"❤
🤗
How about plain crushed tomatoes? Add some olive oil, sea salt, garlic, and basil. Summer 20 minutes and you have got a quick sauce. Add some red wine if you like. It doesn’t have to simmer all day. Yes, I love all day sauce, but quick sauce is fantastic!
Sauce may get watery- add 1/2 can of tomato paste, or better yet, buy a tube at Odd Lot, Ollie’s or discounters when available. Thickens and doesn’t dilute taste
I add a little goat cheese into that sauce….delicious ❤
Delicious!! Thank you👍
I have quit eating out completely. I'll splurge a little bit on my groceries $10-15 more on stuff I can get at the store for a couple of indulgences a month
Instead of eating out. This totally works for me. But I keep it to 10 to 15.
I take a banana and my homemade chicken pie for lunch and snack.Italy taught me how to eat healthy and thrifty. Thank you for this frugal tips.
Service provider is such a good tip. I switched from Verizon to T-Mobile. Better service, employer discount, and saving $1,000 a year.
Sarah, that is a HUGE savings! ❤️
I save money by not buying plants from shops. I now raid my friends gardens for bits or replant what I already have growing or plant from seed. I got sick of store bought plants not thriving. Plus you are growing plants that are adapted to your local climate. Win/win.
I also have vases of flowers that I forage locally. I have huge arrangements that look stunning from bits that I snip whenever I go for a walk. Friends are always admiring my free arrangements.
For myself I make a vegetable soup (eggplant & lentils). Enough for 3 lunches, the rest will freeze for another week.
Would you share your receipt? Thank you!!
@claradiblasi354 it's Ina's eggplant & tomato soup and I added lentils or you can add quinoa or even farro. Recipe on Google search
I plan meals on my calendar accordingly to what I purchased.
Chase Hughes of Body Language Experts suggests having your snacks ready in advance. I encourage people to have back up quicky meals; sandwiches, cheese tortillas, cereal, hot dogs, cans of prepared chili or soup for when you're tired, behind schedule, etc.
I work from home no eat out no ware tear on car no gas used! Don’t go out stores on lunch and spend
As a person who can't drive, one of my tips is investing in good footwear. I work in a job where the dress code requires black running shoes, so I just buy black running shoes now. I wait until the brand I like is one sale and buy it then. I keep the newer pair at home and keep the older one at work since I don't use them as often.
So many great tips! Little ones that a lot of channels often overlook. A tip I do that goes with your food planning is knowing when foods are in season. I don’t buy fruit and veg that aren’t in season because they are usually more expensive out of season. I’m saving to buy a house with my partner and I’ve started taking saving seriously. These tips are gonna save us loads.
You can do this! Yay to the wonderful new home in your future ❤️
❤great advice
Hi I just subscribed to you program
I’m 76 & I live n a retirement center based on income I try to budget but it seems like $1100 a month social security doesn’t go far. Now I watch ur program & learn more….thank you Peggy
10 out of 50 actionable for me! Glad to have the help. I'm a senior on Social Security looking for ways to stretch my dollars.😊
Awesome ideas and advice. I love staying home and staying busy without running around town and spending money. 😊
Thank you so much for this helpful video. I am going to implement the following recommendation s.
Write down every purchase for 30 days.
Eating out of my pantry/freezer for 30 days.
Stopping one bad habit. My bad habit is going to Starbucks after church. Instead of giving Starbucks $10 per week I am going to put that $10 into my vacation jar. Thank you again. God Bless.
I been living by this. You dont need the latest everything. If it still works and not broken then keeo it up.
I already have all my holiday gifts for friends I'm no longer live in the same state so this year a card and small token a bookmarker.. local friends - baked goods. As I'm getting older 72, I been giving close friends my good jewelry for their birthday or holiday.😅
Sounds like very thoughtful gifts
Oatmeal, in a stainless-steel to-go cup, is great to take with you especially in the morning for work, appointments, good for you, and fills you up...Red, delicious apples also..
Agree 100%. I pay my credit card each month and LOVE the cashback rewards. I have never paid interest on a credit card and I do not understand how to do that.
Now that I'm retired and living on Social Security, I pay off my credit card every month, too. I have to be careful, though, because it's so easy to charge things I really don't need right now - thinking twice about purchasing something is my motto. So far, so good.
2 day rule..if I still really want the item...I either put the $$ aside or I'll but it with debit card..no charge it.
Often by the time my saved $$ for it is complete..I don't want it.
My favorite thing to do is harness any and all savings. I go to the grocery store and I find I save $4. I will bring up my bank app on my phone and xfer the $4 to savings acct. I even do this when my wife and I decide to stay home and eat rather than eat out. $70 saved...$10 eating in approx...60 xferred to savings. This is OUR game.
You forgot to mention "when not in use, turn off the juice!!" Turn off the lights!!!! Even the dryer has a light bulb lol
Loved your video. When I was a child, and my mom was a widow with five children, I actually learned a lot of the tips that you are talking about. Today thank God I am in a better financial position, but I still don’t like to waste.
One thing I’ve noticed as well is that by making things such as muffins, cookies, etc. it gives me a great chance to build memories and have happy times with my grandchildren ! Thanks so much for your channel! God bless and wishing you a blessed Christmas!
Thank you so much 🤗
We've started saving up for our dream house. So now we meal plan, and our children and we couldn't be happier. Now we're eating much better and for way less money! Thank you for the tips, I'll try a couple of them, too 😊
Fantastic!
Air drying my favorite clothes (even indoors) has extended their life significantly. So does wearing an apron while cooking and eating to prevent stains and being careful to pretreat any stains with Puracy as i put them into the dirty clothes hamper. Puracy isnt cheap but it works on everything.
I can't believe I watched the whole thing. Usually if a video is more than 15 minutes long i don't want to waste my time.. pretty good tips !!!
Cynthia, thank you so much! 🤗
I was never a name brand person but find that a lot of people are. I don't shop by name; I shop by ingredients, sugar and salt content. I'm the same with clothes if I like it and it's durable material, I'll get it over a designer brand if it's less expensive. Also, you can find many designer labels at thrift stores. You can even wash some in woolite instead of drycleaning.
I don't make more money than most of my friends and family members, but i can afford high quality and expensive food while they say that is too expensive. It is simply I mainly spend on what I need more than what I want. I trained my kids well and love to take my daughter with me shopping. She can remind me of buying what we only need.😂
Farmer’s markets,community events,veggie garden,and fruit,be sure to water every day.
Less money,fresher food,healthy.
Packing lunch leftovers.
Sharen
Thanks for sharing!
“Who says pizza, pickles, and meatloaf don’t go together” 🤭
Exactly 🤣🤣🤣
Turn off lights always when not used, and teach the kids to do so.
Made it through all 50 tips. I like what you said; just start with ONE. one tip. sometimes I binge watch frugal living and cooking videos and hear so much that I dont do ANYTHING!!
Mary, thank you so much! Just start, and I promise the good habits will start to compound 🤗
I am doing that. and making a list of things to do next. @@THEJENNIFERCOOK
Starting with even one or two can help! Too many changes at one time often is overwhelming.
I'm in Austin, Texas and weather has been very hot 100. Instead of going out everyday, I go every other day for walking. Walk my neighborhood in between.
I'm changing home and auto insurance saving 900$ per year awesome
That is fantastic!
I never buy store cookies, pastries. I'm a baker so bake once a week.
The tip about eating out of the pantry and the freezer is a good one. I've been clearing out our pantry and freezer the last couple of weeks, and it is exciting to see that during this challenge to myself that I've reduced our grocery bill between 25% and 30% weekly. And that's even with having to restock some items we were out of. My goal was 10%. And I've always planned meals with leftovers that we use for lunch the next day. Thanks for the additional savings tips! 😊
I love this idea as well, specially since we are about to move , it’s a perfect way to save $ and use up stuff that would otherwise be given away or thrown out.
I make my own spaghetti sauce, taco seasoning, and pesto. I save my food clean out day for a busy day during the week. Amazing video.
Cooking from scratch...cheap and delicious! 🤗
Thanks for the tips, Jennifer. I used to be very disciplined and minimalist about six years ago, but during Covid fell off the wagon and shopped to cope with the stress of a grueling Master’s program, going too deep into minimalism too quickly, a failing long distance relationship, and just depression about my life at the time in lockdown. Now after vacation I’m trying to reset shopping habits for the fall and my next birthday, particularly around makeup after trying less expensive brands, and am working back towards a sense of less hardcore minimalism this time again. Even saved half of my original budget after this trip, which usually never happens. Keep up the great content, I watch every money saving video you do and others like Kyra Anne, etc. With each trip I take in the future now, I hope to buy less and spend more on experiences. I realized going too minimalist was making unhappy, so that’s why shopping happened all over again. Thanks for all the help!
*making me unhappy
Aubrey, thank you so much for sharing your story! We all go through those ebbs and flows of life, and it's nice for others to hear it so they know they aren't alone. Hugs to you 🤗
Your video popped up on my home page and I'm glad it did. My mamaw believed in using what you have and being satisfied with it. My favorite related saying is "Use it up, wear it out. Make it do or do without". Btw, we're "neighbors". I'm in Kannapolis.
Hi in Kannapolis! I am so glad you found my channel 🤗
This got me thinking, i don’t really need a gym membership until I start going religiously 🤔
Because I only swim when I go to the gym and my gym has a $5 swim pass and if I go to the gym 4x a week that’s only $20 and my membership is 28$ (more like 27.67 but let’s round up) and on the months with 5 weeks that’ll only be 25$ so i could be saving up to 8$ a month…. And not having to worry about keeping my balance up
If I have a soda attack, I will sometimes just make Koolaid the old fashioned way. Lol. It’s just me tho and I limit how much coke I can have per day and if I run out, there’s always my trusty orange koolaid. Baby steps. I’d rather have that as my “dessert” than sweet foods. I should say cola tho. I usually just buy the cheapest or coke on a better sale. Lol. My average cost per can is around 30 cents each. Lol. I would also say that Bcuz I commit to water almost the rest of the entire time, I do sometimes prefer water over anything else (except for my one morning coffee lol).
I usually just reverse meal plan. What’s for dinner depends on the best deals I find. Usually massive clearance savings. I would say the biggest temptation for me is resisting a grocery mega clearance deal or knowing when enough is enough and cutting myself off for awhile.
I got a digital pet. Vital hero digimon. It has me exercise to raise my monster and i dont have to pay for pet food and vet bills lol.
What am I doing? I'm almost 40 years old.
Wow, so fun! I remember those little digital pets on key chains when I was in school. They were so much fun!
Gas prices are still $5 a gallon in my area 😢. I have to batch my errands since I live in a small town and 20 minutes away from a larger city to run errands.
Ruby, that is a lot! Our gas prices are starting to creep back up, but that's at around 3.80 at the moment, 5.00 is a punch in the gut!
Great tips. I took the shopping apps off my phone two months ago. Insane how much I'm saving. I work night shifts and spent time on them there.
Kimmie, that is fantastic! 🤗
Loved your suggestion to eat out of your pantry. I stockpiled food during the pandemic lockdown and am just getting around to eating it all now.
I struggle with the soda too. Shocking expensive when you buy a multipack.
Especially if you live alone and buy bags of things like tater. Tots French fries etc. Break them up into Smaller freezer bags. It stays fresher longer and you never end up with tater tots on the bottom of your freezer. Same thing goes for frozen vegetables. I bought a seven year old toyota. It is now twenty six years old and runs fantastic. I paid $3000 cash originally. I have never owned a new car and always had decent wheels. Remember the jones's you try to keep up with are always in debt
These are wonderful ideas! I am going to write what I spend for the next 30 days. I’m very frugal but I do enjoy shopping at thrift shops 😆
Yay! I hope it helps 🤗
I think you're very right about the emotion of selling or even giving away items that you spent a lot of money for. I have so much in my house that I don't need, and some things I've never really used that were very expensive, and I want to cry when I think of giving it away or selling it for $5. But I do need to think that that $5 is more than I would have if it was just sitting in my closet 🤨
Sometimes, it helps to imagine the item helping someone who wouldn't otherwise have it if they had to pay full price. You've got this 🤗
You are not alone with this problem.
I have looked at the cost per ounce or serving for a long time. Laundry pods were on sale but the same detergent in liquid has 5x the uses and a dollar less and it wasn't even on sale
How about cost of lotion, etc per Oz? OMG! I have very dry skin, especially since menopause, realized I have 6 diff jars or bottles but only like 2 of them. Don't mind buying 2 jars in a pkg at Costco.
Your voice is also very calming and nice to listen too 😊
Thank you so much ❤️
I've heard that when re-selling something, expect to get only 10% of what you paid for it. That's hard to swallow, but it gets things sold.
With the #1, that's exactly what we did. My husband and I live with his dad and little sister and we needed the expensive cox line. It cost us just short of $200. We moved over to a new company in our area and we now pay $75 for their best and it works better than cox did
Every year we grow garden vegetables. They’re delicious and full of great nutrition, plus they save us a little money! I would also like to suggest trying to cut back on the most expensive item on your plate, typically meat or chicken. Try filling up all the vegetables and or starch instead of eating a big helping of meat ;-)
Tressa, I love a plate full of veggies ❤️
Fat is the cheapest thing to eat calorie for calorie.
Silly enough, when I have a random craving of soda (maybe after a cleaning spree), I just carry a water bottle and sip from it. I'm pretty much taking a sip of water every time I crave a sugary carbonated drink. If that doesn't do it, I find a carrot to munch on 😊
Costco is good for workout clothes. They are often 50-70% less than what you would pay retail.
Great idea!
I saw 5 below has sports bras
your video motivated me to change my internet provider. 5 minutes online and I found an offer 1/3 cheaper than what I’m paying now.
Fantastic!
I switched hairdresser and saved $100.
Hi from Spain. I enjoy your videos. You're spot on about news headlines making us feel fearful. I am going to cut down my exposure to news. Thanks for the wonderful tips. I need to schedule time to shop in the sales for my children for coming season. Thank you for your time sharing these tips with us.
Jodie, thank you so much! Hello in Spain 🤗
Anything I need....I always ask myself if Ican find it atthe Dollar store or Goodwill
Meal plan with perishables in mind! I used to waste so much money by wasting perishables. Now, if I can't use them all before they go bad, I freeze what I can or cook meals & freeze for later, etc. Wow, have I saved money!
If you can't pay off a credit card in full every month, don't have one. Save or do without. Clarify and understand what is an essential or a want. Be real about it!
Store brand foods are almost always made by the name brand companies, they just put a different label on it.
I've gave up sugar many years ago in my in my coffee & tea. Even in hot cereal I use a bit of honey
I agree with the coupon issue. Some coupons I see require two or more of an item or a bulkier item than you really need.
Exactly!
In the past several months, I’ve changed cell carrier, car insurance and home insurance companies to save money. Loyalty is nothing these days.
Fantastic!
Several years ago I stopped drinking sodas. Much better for my health and budget.
I agree 🤗
Hi Jennifer!
I'm a big fan of your videos!
I have trouble sleeping and I listen to this particular video most nights, to help me sleep (but not in a bad way! A frugal lullaby, if you will!) Your voice is so calming and the video is just the right length, I can never make it to the end at night but don't worry, I watch your videos during the day to get all of the tips and tricks!
❤
I'm sorry you have trouble sleeping, but I'm glad my videos can help 🤗
Again! You touched my heart with your words! Concerning the amount to save on a low income even 10$ etc... My mistake most of my life.was believing to put 10% of income etc... I was never able to even with a high salary... Your amazing!
🤗
We had a mortgage that I added $25 minimum extra each month or rounded the payment amount up. When we got a windfall and paid off the mortgage, I realized I had paid extra principal over $8000 in 8 years! The little bits each month were not painful and saved us cash from the big amount we got. We had $8,000 more to use elsewhere. Never think little amounts don't matter. It isn't all or nothing. Jennifer is so right, it works on car payments and savings as well.
We got rid of our storage unit last year. We picked a date and we’re out of it to lunch early. We continue purging and feel pretty good about that.
That is awesome! 🤗
I'm literally painting my Christmas cards as I listen to this video!!
Amanda, that sounds amazing! That's so special ❤️
Excellent content. Great presentation. Simple. Clear. Effective. It kept me interested from the beginning till the end. I truly appreciate the tone of your video. It makes me think of a person who focuses on what matters and what is important to her. Thank you. Subscriber here.
Thank you very much for those kind words ❤️
Yes, listened to whole vid by working up to 1.75x playback speed. You're prepared & speak clearly so I was able to save time. Thank you!
That's one of my favorite time-saving features, increasing the playback speed 🤗
Starting off so strong with the first one!! I change my car insurance every year or two
Great job!
Put the credit card in a bowl of water in the freezer...amazon prime membership we share with co workers, so yearly cost is less. Premium gas, suggested for my Subaru but i only buy it every 3rd tank- I drive very little as a retired senior in a very big city.
Great video. Yesterday someone was whining about her grocery bill. Lots of snacks and sugary drinks. smh.
Those will certainly make the bill higher 😊
We love the "Every Dollar" budget app. We've been using the free vetsion of it for over 8 years now. I don't know what we would do without it now, especially since we're retired now and have to watch our budget even closer.