It depends. Eg, if I have a loan that has set payments, but I have no savings. It may make sense to just may the required monthly payments and use the extra money to out aside for savings. If I focus on the debt payment above getting some savings going, if another emergency comes up, I have no recourse but to get into more debt to sort it out.
I also buy toys after Christmas and teach my kids to buy after the holiday. I started by offering them 2 for 1. They could get 2 after Christmas or 1 on Christmas they loved the idea. Saved so much money. Plus we focus on giving to others not just toys.
I have stopped purchasing gifts but have started giving cash as gifts for years now!! My children seemed very appreciative as they can spend on what they desire!! Thanks for the invaluable tips.🎉
I took a class at a luggage store years ago and learned how to pack for 2 weeks in a carry on. I have also learned how much of the presents just get thrown away a year later. Experiences are the bomb!
To add protein and nutrition I add a can of chickpeas to my pumpkin soup AFTER it has been blended, they give a nice nutty surprise whilst eating the soup. Also can add add a can of white beans to any blended soup as does not interfere with the taste whilst boosting protein content.
We have great paper towels in the restroom and after I wash my hands, I bring them to my office to reuse after they dry. On Friday, if I have accumulated more than I re-used, I bring them home for quick wipe ups. I hardly use paper towels at home, but they are handy for oops on the floor or wiping meat drippings before I spray clean.
Thanks for sharing this awesome tips! I'm financially free and currently growing a solid retirement plan. It takes a positive and consistency to learn new things, unlearn the old habits is important to get a mentor/coach to lead you all the way. It's great to start young too!
@@andreblechynden4578 personally i think 1m is the goal to overcome inflation and having them in an !nvestment portfolio is a perfect plan. I'm half way to my goal
@Elisa Masur yeah. When looking for financial advisors, fees and commissions are important considerations. There are financial experts out there who, regardless of how little you wish to start
For those of us who have built up our savings, now is a great time to look into getting certificates of deposits. Interest right now on certain C.D.'s is over ten times higher than it is for a savings account.
HI Sara, Hello from Silicon Valley California! Like you, we are a debt-free family and I like learning new tips to maintain or up our game when it comes to finances. Just wanted to say I recently discovered your channel and am LOVING it. Trying to catch up on your videos and, so far, am finding them very inspirational, practical and the tips are easy to apply. Really appreciate what I'm learning from you! Thank you and wishing you and your family a very happy holiday.
I have purchased gifts ahead of time when found at super clearance for decades. Note: Keep a list in your phone or other highly accessible place that lists people and gifts that you have purchased. When my children were young, I often developed a ‘standard’ gift for birthday parties. These standard gifts were often an item I found on sale in larger quantities. I also made many gifts so that they were unique. This was super frugal when we lived in an affluent area where people often spent $50 on a child’s birthday party gift.
Line dry your clothes inside and then dry them on low for 5 minutes just to fluff them up. You can buy some cute little racks that fold up and down at Walmart.
I do the same thing! But I hang them from our basement ceiling and unless it is a super nice shirt, a rarity, or something that cannot be wrinkled. Only then will I throw it in the dryer to fluff up. I work from home so luckily I'm able to take the time doing this.
Next time a hot water heater needs to be replaced go for “ on demand” “ tankless” heater…mine went in for just under $500.00 5 years ago….it replaced a small electric heater. My electric bill took a deep cut after making this change. Last month it was $17.05…I don’t use the A/C, just a fan and lights and hot water on that bill.
@@Dit1160 I wanted to do that and two plumbers tried to talk me out of it before putting in one of the same types, I was so aggravated I don't know if they just didn't want to go through the trouble of redoing everything or what it was, one of the plumbers even told me you don't want one of those because of some reason with the filters or something? I have no idea but I've been wanting one of what you're talkin about forever!
Hi Sara, just letting you know I really appreciate you doing this video. This will be of great help for everyone who's looking to budget and save, specially parents out there. More power to you and your channel
This is so miniscule but I started mailing out checks instead of paying online for a small bill with a three or $4 service charge. However if it is a big bill that I can prepay and only do the one online service charge, I will choose that. I'm not anti-credit card and we use the points for other purchases
I don’t look good at all in long hair and I have a couple of very strong whorls that would make my short hair really hard to cut for myself. I used to go to the salon every 5 weeks for a cut, now I go every eight or nine weeks. I used to get my eyebrows dyed at the same time - my hair is completely white now and my eyebrows just disappear without colour. But even that’s up to $20 now! I bought an eyebrow pencil instead. I live alone so I only use it when I go out; and it lasts a long time.
I always go right for my stores marked down, ready to go bad produce. I always get 3 large yellow or orange or red peppers for 1.00 for the bag of three. Either use them right away... stuffed peppers or chop them up and into the freezer. Usually can get a few onions or potatoes. Just look the items over and remember you have to deal with them right away. Love your tips and actually I have been doing most of them. I need to recheck insurance rates.... I hate doing that.. LOL. the last time I called my company and asked for a discount I got 4.00 off for 6 months, kind of depressing.
For produce try drying and freezing. You dont need expensive drying gadgets either. I dry spinach on a silicone baking mat on a cookie sheet and make a pesto or add it to scrambled eggs. Diced onions, peppers, celery, freeze well and will cook up nice in soups and pot pies. And old bread makes great bread pudding or French toast casserole. You can use any bread marked down like buns, rolls, loafs etc.
Less meat but all the flavor can be obtained with homemade concentrated bone broth. Simmer meaty bones in crockpot over night with herbs & seasonings, pick out bones & add veggies.
Well fortunately I get deathly sick when I eat out. Since not an option I save quite a bit on food. A meal out is $20 or more. I discovered that I enjoy eating at home. I am discovering many new recipes.
This is something i dread also but never hear anybody else say. I think its processed food n meals is not suitable for people with weak immune systems and/or serious digestive issues like diverticulitis
@@vixxcottage Yes i think u r 100% right. Im talking sit down eating out not fast food. I cant do either but never until now thought bout the type f fats! Thank you
Another one..we have been debt free for decades, but use credit cards that give us rewards. We ALWAYS pay them off every month, but we either get Cashback, flight points, discounts or something for using the card. It all adds up.
I ordered 7 tops from Thred Up at 50 percent off and free shipping. I found I was wearing a certain top most of the time that I got at a thrift store and looked at the label to see who made it. I then went to Thred Up, looked up that brand of clothing, and found many nice tops in that style and brand.
I do thrift store shopping as a fun outing with one of my friends. I don't look or buy clothing....though I see many RUclipsrs do get good deals. I am on the declutter mode right now😂. Thanks for a fun video
I don’t know how people in metro areas survive without smart phones. My apartment laundry operates on an app. My train tickets are on an app. The security key to my office is on an app.
I've done the gift thing for years. I have a spot in my closet where bags are stapled shut with the name of the person on it. If someone tampers with their gifts they don't get it the gift gets donated. I guarantee that it only happens once. Lol
Sarah, we are in major debt due to health issues and medical bills. I had to retire early, but we still had a 79,000.00 mortgage, and my husband retirement and ss are all we have to live on, plus our son helps us. We have $2000.00 in credit card debt andy student loan 5:35
@@susanneal985 Oh Susan I am so sorry to hear about this. But this is a much bigger conversation than we can have in the comment section. You have to cut everything down to the bare minimum. Spend only $50 a week on groceries, subsidize with food from a food pantry. You have to pay off those debts and micro manage that money. Take care of the 4 walls first (house, lights, heat) and then your car (insurance and gas). Sell everything. All the accumulation that you have built up over the years has got to go. Become a minimalist and pay off that house as soon as you can. Use cash only - no more credit cards.
These are great tips! I’m concentrating on preventing food waste right now. Last night, I made a soup that called for a sage leaves. I bought it at Trader Joe’s because it was the best price. But how do I keep the rest of the package from spoiling? I want to be able to use some next time for another recipe.
People who think they are buying new from the store when it comes to clothes can be incorrect. Once something is tried on in the store, it is no longer any different than buying next to new in a thrift store. Clothes are like cars....they depreciate as soon as they are tried out!
Too bad thrift stores in my area charge super high prices! And most of what they have is fast fashion or poorly fitting crap clothes ordered off of Taobao or other horrific off shore company.
Walgreens sells a birthday card box of cards as wells as boxes of cards for other occasions. 1.99-2.99. Make your own 4x6 postcards. Use your phone to take a fun photo. Have it printed at Walgreens and postcard stamps are less than regular forever stamps.
All of these are good tips! Several depend on a person's circumstances, of course.. For example, public transpo / ride-sharing may not be viable in some areas and/or cause such a loss of time/personal hardship that it's actually a negative. A smart phone is more expensive due to the data upcharges, that's for sure, but at the same time, I use Ibotta and Fetch apps, as well as my local grocery stores' apps for digital coupons, etc., which save me a ton of money every year, and require a smartphone. I rarely go out to eat - truly only for special occasions, but when I do, it's more of a fine-dining situation where coupons/Groupon deals don't apply. I'm okay with that, because it's literally only 2-3x/year. It's all relative to the individual.
I'm vision impaired and need the smart phone for apps related to accessing the general public. So yeah, I need it for more than just phone calls and texting.
@@happycook6737 that works if you're not blind or vision impaired. I'd hate to have to reconnect on every block just to ensure I know where I'm at. Knowing I'm somewhere between home and Walmart (a distance of three miles) just isn't good enough.
I turn off my "mobile data" when not online, on my smartphone. Saves a tonne of apps sucking data. I use pre-paid vouchers to put credit on my phone monthly. Only buy phones outright or take friends 2nd hand ones. No phone debt for me. I'm in Australia so not sure if u can pre pay your mobile/cell phone in USA?
Great tips! Wanted to add that I tried Mark Cuban's mail-order drug company and cut my prescription cost by more than half, including shipping. It's more convenient and saves!
@@saraconklinfrozenpennies It was great. I was getting a generic from my local drug store that was about $11 a month/30 days. It was less than $7 for 90 DAYS through the Mark Cuban Cost Plus company. It did take about a week to get to my house, so luckily I placed an order before I was out. It's worth checking out!
To cancel a magazine subscription: on the un opened packaging without interfering with the lettering on the label write in permanent ink “ Refused” and “Cancel” make one slash through your name and address to draw attention to the fact that it has been there and been refused, then return to the mail stream in a Mail Drop. If the magazine has no wrapper, bring it into a US Post Office and explain to the clerk you want to cancel your subscription. I worked for the postal service for 28 years before learning this! I have been trying to cancel a magazine I no longer need since 2010.
For some of these, depending on where you live, you can't do them. For instance, there's no public transportation where I live and walking or riding a bike isn't feasible for where I need to go. I don't do warehouses because I realized that I was buying things I wouldn't normally have bought. Making your own bread isn't always cheaper. I can get a loaf of bread in Lidl for $0.50. I can't make a loaf for that price. Thrift stores are not always cheaper when it comes to clothes. Plus, if they don't have your size, it's a wasted trip. I've been buying the same jeans for years. I have a system for it. A good pair is a pair that has no stains or holes in them. Once they get either, I put an X on the tag. I don't work, so those become the jeans I wear every day. They get too bad, and I turn them into shorts. Long sleeved shirts become short sleeved shirts.
@@saraconklinfrozenpennies I'm thinking about buying a new pair or two this year because I need some new, nice looking denim shorts. I'd cut off the legs, then use them to make something else, like a sleeveless denim shirt. I also don't buy lunch meat. Sandwiches are either leftover meat, egg salad, chicken salad, peanut butter or tomato.
I find it near impossible to find my size of jeans at second hand shops. Heck, it's not always easy at Walmart or Target. I do buy some shirts used. But all my pants are bought new.
I can get cheap wholemeal bread (45p) in Aldi; but I couldn't buy stoneground wholemeal artisan made bread for under £2 _anywhere,_ though I can make my own for 93p. You have to compare like with like.
Easier to do maintenance on older cars. I bundle my car issues when possible right now I'm due for an oil change the tires need to be rotated and the engine light is on- all being addressed with one visit
Coupon and you will save a ton of money. Couponing now is not just cutting out a coupon and using it. We spend very little on food, personal care and household items.
I wouldn’t mind ditching the smart phone…but in 2023 when you still have school aged children it’s not realistic. Most of the schools communicate to parents through apps.
I enjoy your videos, here is a few other things that I do if vegetables are on special I will buy extra and freeze them, spinach is good frozen for omelettes or in casseroles , even buy bread or buns for short term freezing. Don't forget the markdown rack at the grocery store. It is usually things which are going to expire soon but are fine within a few days. I have a discount where I work and it always says on the receipt what I have saved I try and put even half of what I saved away because normally I would have spent that money as well. One month I saved over $60 ! One last one if you are very disciplined use a credit card that has points or cash back and use the rewards for groceries. But only if you pay it off every month. Put all monthly bills and even taxes and insurance , water bill on the card to get the points. But as I said only if you can pay it off every month.
Eat one meal a day. Fast. Turn off electric at the fuse box. Turn on the water heater for an hour or two in the morning. Then leave it off until the next day. No TV. No cable. Use cloth napkins, handkerchiefs, Dinner napkins, and cleaning rags. Turn off water at the intake valve on the toilet and bucket flush with gray water. I don't turn on room lights. I navigate and do task lightning with a head lamp powered by rechargeable batteries.
With rising costs I do something similar. I am retired and at home most days... After shower the hot water is turned off. I make 1 pot of coffee, have breakfast. I boil kettle and place water in thermos, I pour 1 cup milk in another small thermos( to keep cold.) I make a sandwich, cold drink and fruit for lunch. I turn off all power until 6pm and cook tea, charge phone, a load of washing. If a cold night I turn fridge off at bedtime. I use solar nights at night and use phone torch to go to bathroom if need be. I watch Utube at night in bed. Cheers.🥰
This sounds quote boring. But I have been buying cloth napkins and cleaning rags, because I don't like buying things that are just gonna be thrown away. But I'm vision impaired and home a lot. So I have internet for my 55 inch TV.
@@lynncaldwell8345 Tell your OZ friends that in some American neighborhoods, drying clothes outside is illegal. Watch their heads swivel round like in a cartoon! 🤦♀️🤣
@@happycook6737 Line drying can have a downside.Years ago a friend had returned from a trip to America with 6 pairs of designer jesns. He washed them and hung them out. They were gone before he even got the creditcard bill.I don.t think he would jang them in thesr times.
I do my own hair. I have a simple bob and use L'Oreal Excellence permanent color cream. Saves me $140/month. If I had a fancy style this might not work. I got The Perfect Bob template online. Predictable results every time.
If your bank or credit union charges a fee to pay your bills using their bill pay service, change banks! Very few banks charge a fee for this in my area. Credit unions tend to charge less for services. We have never paid to use bill pay. Also if you use a credit card for earning rewards, be sure it is paid off every billing cycle. I record my expenses every week during the weekend, so I just pay my credit card at the same time for the purchases I made that week. Never have paid any interest for the use of the card.
I dont used only my smart phone just to sepak with someone else.I used to check my email. to check reviews before make any purchased. share my location. if someone needs to find me... The least i do is playing :(
Tell me your favorite frugal hack? Is there something I missed?
When you get those vegetables on sale, you can clean them, cut them up and freeze to use later.......tons of videos on how to do it
@@lubas4945 great tip!! I love my freezer!
Live off a written budget pay yourself first
Give budget a trim
I don't buy them items eg for Easter Christmas Valentine's Day etc
Pay off debt should be moved to number 1. Being debt free brings peace to your life.
It depends. Eg, if I have a loan that has set payments, but I have no savings. It may make sense to just may the required monthly payments and use the extra money to out aside for savings.
If I focus on the debt payment above getting some savings going, if another emergency comes up, I have no recourse but to get into more debt to sort it out.
Small emergency fund first, then tackle debt. 💜💜💜
@@tweetybird1480 ruclips.net/video/xFSnkgyicVYi/видео.htmlm
I'm good but you have me beat.
Being debt free is very liberating.
I also buy toys after Christmas and teach my kids to buy after the holiday. I started by offering them 2 for 1. They could get 2 after Christmas or 1 on Christmas they loved the idea. Saved so much money. Plus we focus on giving to others not just toys.
We rarely ever turn the lights on we use natural light open the curtains wide open in every room, once it starts getting dark light some candles.
Candles are perfect. Especially for us during these snowy winter months!
also led lightbulbs are great , they do make a difference.
My husband and I still use flip phones. That's all we need. Good advice!
I have stopped purchasing gifts but have started giving cash as gifts for years now!! My children seemed very appreciative as they can spend on what they desire!! Thanks for the invaluable tips.🎉
I took a class at a luggage store years ago and learned how to pack for 2 weeks in a carry on.
I have also learned how much of the presents just get thrown away a year later. Experiences are the bomb!
Love this!
I would love to take a class like that.
I send checks to children, grandchildren+ 2 cousins. They can now buy what THEY want+ I don’t have to run around + shop
Totally agree about buying from thrift stores. Also helps keep textile waste down! Great vid!
It's my favorite way to shop!
To add protein and nutrition I add a can of chickpeas to my pumpkin soup AFTER it has been blended, they give a nice nutty surprise whilst eating the soup. Also can add add a can of white beans to any blended soup as does not interfere with the taste whilst boosting protein content.
Great tip!
Stop eating canned food. Its not healty
We have great paper towels in the restroom and after I wash my hands, I bring them to my office to reuse after they dry. On Friday, if I have accumulated more than I re-used, I bring them home for quick wipe ups. I hardly use paper towels at home, but they are handy for oops on the floor or wiping meat drippings before I spray clean.
Thanks for sharing this awesome tips! I'm financially free and currently growing a solid retirement plan. It takes a positive and consistency to learn new things, unlearn the old habits is important to get a mentor/coach to lead you all the way. It's great to start young too!
I love this. A retirement plan is never a bad idea! Great job!!
Hey, I'm 43 working on my retirement fund too. What do you think is the best target for retirement?
@@andreblechynden4578 personally i think 1m is the goal to overcome inflation and having them in an !nvestment portfolio is a perfect plan. I'm half way to my goal
@Elisa Masur yeah. When looking for financial advisors, fees and commissions are important considerations. There are financial experts out there who, regardless of how little you wish to start
@@shallyshedrak4905 I'm trying to read books about finance, and saving. Looking at having a good financial advisor. Can you recommend
I have done all these since i can remember, my parents were doing these money saving tips ever since coming to UK.
When we went vegan 5 years ago saved a ton on groceries plus healthier.
Me as well and many health benefits are an added bonus.
For those of us who have built up our savings, now is a great time to look into getting certificates of deposits. Interest right now on certain C.D.'s is over ten times higher than it is for a savings account.
HI Sara, Hello from Silicon Valley California! Like you, we are a debt-free family and I like learning new tips to maintain or up our game when it comes to finances. Just wanted to say I recently discovered your channel and am LOVING it. Trying to catch up on your videos and, so far, am finding them very inspirational, practical and the tips are easy to apply. Really appreciate what I'm learning from you! Thank you and wishing you and your family a very happy holiday.
Awe. Thanks so much for your kind words. I'm so happy you're here!
I have purchased gifts ahead of time when found at super clearance for decades. Note: Keep a list in your phone or other highly accessible place that lists people and gifts that you have purchased. When my children were young, I often developed a ‘standard’ gift for birthday parties. These standard gifts were often an item I found on sale in larger quantities. I also made many gifts so that they were unique. This was super frugal when we lived in an affluent area where people often spent $50 on a child’s birthday party gift.
Line dry your clothes inside and then dry them on low for 5 minutes just to fluff them up. You can buy some cute little racks that fold up and down at Walmart.
Excellent suggestion that we use ourselves. Only, I put things on hangers; and hang them on the shower rod until they're near dry, then to fluffing.
@@joycenagy3140 I just did this before I watched this video 😊
I do the same thing! But I hang them from our basement ceiling and unless it is a super nice shirt, a rarity, or something that cannot be wrinkled. Only then will I throw it in the dryer to fluff up. I work from home so luckily I'm able to take the time doing this.
@@buzzybee186 Wish we had a basement. Not a common thing in this Arizona desert.
That's an extra trip to the laundromat.
And I'm not gonna give up space to drying clothes. My cat would knock them all down anyway.
We put our hot water heater on the vacation setting and it's perfect for two people.
Great idea!!!
Does vacation setting mean that your house is colder?
Is the water still warm or hot
Next time a hot water heater needs to be replaced go for “ on demand” “ tankless” heater…mine went in for just under $500.00 5 years ago….it replaced a small electric heater. My electric bill took a deep cut after making this change. Last month it was $17.05…I don’t use the A/C, just a fan and lights and hot water on that bill.
@@Dit1160 I wanted to do that and two plumbers tried to talk me out of it before putting in one of the same types, I was so aggravated I don't know if they just didn't want to go through the trouble of redoing everything or what it was, one of the plumbers even told me you don't want one of those because of some reason with the filters or something? I have no idea but I've been wanting one of what you're talkin about forever!
Hi Sara, just letting you know I really appreciate you doing this video. This will be of great help for everyone who's looking to budget and save, specially parents out there. More power to you and your channel
Thank you so much!
This is so miniscule but I started mailing out checks instead of paying online for a small bill with a three or $4 service charge.
However if it is a big bill that I can prepay and only do the one online service charge, I will choose that. I'm not anti-credit card and we use the points for other purchases
I have a flat rate water bill every month that I mail in…I pay it 4 months at a time to save on postage
I love you and your advice, I am frugal also. Need to take notes listern to you.
Thanks so much and thanks for watching!!
Debt free here!! Haven't used a salon in ever!
I don’t look good at all in long hair and I have a couple of very strong whorls that would make my short hair really hard to cut for myself. I used to go to the salon every 5 weeks for a cut, now I go every eight or nine weeks. I used to get my eyebrows dyed at the same time - my hair is completely white now and my eyebrows just disappear without colour. But even that’s up to $20 now! I bought an eyebrow pencil instead. I live alone so I only use it when I go out; and it lasts a long time.
I always go right for my stores marked down, ready to go bad produce. I always get 3 large yellow or orange or red peppers for 1.00 for the bag of three. Either use them right away... stuffed peppers or chop them up and into the freezer. Usually can get a few onions or potatoes. Just look the items over and remember you have to deal with them right away. Love your tips and actually I have been doing most of them. I need to recheck insurance rates.... I hate doing that.. LOL. the last time I called my company and asked for a discount I got 4.00 off for 6 months, kind of depressing.
None of the grocery stores around here have a mark down section for produce. You can find decent mark downs on meat later in the evening.
For produce try drying and freezing. You dont need expensive drying gadgets either. I dry spinach on a silicone baking mat on a cookie sheet and make a pesto or add it to scrambled eggs. Diced onions, peppers, celery, freeze well and will cook up nice in soups and pot pies. And old bread makes great bread pudding or French toast casserole. You can use any bread marked down like buns, rolls, loafs etc.
Thanks for the tips! And thanks for watching!
Less meat but all the flavor can be obtained with homemade concentrated bone broth. Simmer meaty bones in crockpot over night with herbs & seasonings, pick out bones & add veggies.
Thanks for the tips!
Well fortunately I get deathly sick when I eat out. Since not an option I save quite a bit on food. A meal out is $20 or more. I discovered that I enjoy eating at home. I am discovering many new recipes.
This is something i dread also but never hear anybody else say. I think its processed food n meals is not suitable for people with weak immune systems and/or serious digestive issues like diverticulitis
@@anoodono1841 also the fats they use are not healthy. Last time I got so sick swore never again. Not worth it.
@@vixxcottage Yes i think u r 100% right. Im talking sit down eating out not fast food. I cant do either but never until now thought bout the type f fats! Thank you
My wife gets sick from restaurants amost every time. Its terrible.
@@SteveRCPilot I am wondering if it is the oil they cook with. Is it old or fake? Who knows. Sorry about your wife.
I really love all of your tips, hacks and videos. I'm soooo grateful!
Sometimes, if I do buy something where there is a lot, I will split it with a friend.
Great video!
Love that! Such a great idea!
Another one..we have been debt free for decades, but use credit cards that give us rewards. We ALWAYS pay them off every month, but we either get Cashback, flight points, discounts or something for using the card. It all adds up.
I also do the same thing, using a credit card for everything and paying it off monthly. So much easier just to have one bill to pay each month!!!
And I should add the cashback pays for a trip we take once a year!
The protine is beans is way less bioabailable than in beef. Canned meats like tuna or salmon are great for the budget.
I love frugal tips in this day we need wen is so expensive thanks ❤
Excellent tips! Thank you!
I like Thred Up for designer clothing some still have the price tag on them!
I ordered 7 tops from Thred Up at 50 percent off and free shipping. I found I was wearing a certain top most of the time that I got at a thrift store and looked at the label to see who made it. I then went to Thred Up, looked up that brand of clothing, and found many nice tops in that style and brand.
I do thrift store shopping as a fun outing with one of my friends. I don't look or buy clothing....though I see many RUclipsrs do get good deals.
I am on the declutter mode right now😂. Thanks for a fun video
It really is a lot of fun!
I don’t know how people in metro areas survive without smart phones. My apartment laundry operates on an app. My train tickets are on an app. The security key to my office is on an app.
I put a small everyday purse in my personal carryon bag to use also a string carry bag.
I've done the gift thing for years. I have a spot in my closet where bags are stapled shut with the name of the person on it. If someone tampers with their gifts they don't get it the gift gets donated. I guarantee that it only happens once. Lol
Sarah, we are in major debt due to health issues and medical bills. I had to retire early, but we still had a 79,000.00 mortgage, and my husband retirement and ss are all we have to live on, plus our son helps us. We have $2000.00 in credit card debt andy student loan 5:35
What can we do to get out of debt. Susan
@@susanneal985 Oh Susan I am so sorry to hear about this. But this is a much bigger conversation than we can have in the comment section. You have to cut everything down to the bare minimum. Spend only $50 a week on groceries, subsidize with food from a food pantry. You have to pay off those debts and micro manage that money. Take care of the 4 walls first (house, lights, heat) and then your car (insurance and gas). Sell everything. All the accumulation that you have built up over the years has got to go. Become a minimalist and pay off that house as soon as you can. Use cash only - no more credit cards.
Beautiful living room
These are great tips! I’m concentrating on preventing food waste right now.
Last night, I made a soup that called for a sage leaves. I bought it at Trader Joe’s because it was the best price. But how do I keep the rest of the package from spoiling? I want to be able to use some next time for another recipe.
I think I would chop it up and freeze it in ice cube trays (with either water or olive oil). It won't be fresh anymore but it will be usable.
I will not give up my haircut. I have a style I adore!! My one vice!😂
LOL. I totally get it ☺
USB rechargeable bag sealer... reseal your cracker and cereal bags Etc.
People who think they are buying new from the store when it comes to clothes can be incorrect. Once something is tried on in the store, it is no longer any different than buying next to new in a thrift store. Clothes are like cars....they depreciate as soon as they are tried out!
Too bad thrift stores in my area charge super high prices! And most of what they have is fast fashion or poorly fitting crap clothes ordered off of Taobao or other horrific off shore company.
I'd be very interested in fast food frugal tips. Great video!
The two I can think of are looking for deals on the restaurants' apps and looking at their dollar/value menus!
Have you ever tried copycat recipes? Not every fast food item has a copycat recipe, but a surprising number have.
Walgreens sells a birthday card box of cards as wells as boxes of cards for other occasions. 1.99-2.99. Make your own 4x6 postcards. Use your phone to take a fun photo. Have it printed at Walgreens and postcard stamps are less than regular forever stamps.
All of these are good tips! Several depend on a person's circumstances, of course.. For example, public transpo / ride-sharing may not be viable in some areas and/or cause such a loss of time/personal hardship that it's actually a negative. A smart phone is more expensive due to the data upcharges, that's for sure, but at the same time, I use Ibotta and Fetch apps, as well as my local grocery stores' apps for digital coupons, etc., which save me a ton of money every year, and require a smartphone. I rarely go out to eat - truly only for special occasions, but when I do, it's more of a fine-dining situation where coupons/Groupon deals don't apply. I'm okay with that, because it's literally only 2-3x/year. It's all relative to the individual.
Great suggestions! Thanks for watching!
I'm vision impaired and need the smart phone for apps related to accessing the general public.
So yeah, I need it for more than just phone calls and texting.
So many places with free wifi, I never use my cell phone data plan. Of course free wifi isn't secure so no banking on it, etc.
@@happycook6737 that works if you're not blind or vision impaired. I'd hate to have to reconnect on every block just to ensure I know where I'm at.
Knowing I'm somewhere between home and Walmart (a distance of three miles) just isn't good enough.
No spend days are great some people do no spend week last week of the month or no spend month meanning living on bare bones budget
I turn off my "mobile data" when not online, on my smartphone. Saves a tonne of apps sucking data. I use pre-paid vouchers to put credit on my phone monthly. Only buy phones outright or take friends 2nd hand ones. No phone debt for me. I'm in Australia so not sure if u can pre pay your mobile/cell phone in USA?
We do have pre-paid phone plans that are sometimes cheaper than others. So you could do this here, too!
Great ideas! Thank you
Great tips! Wanted to add that I tried Mark Cuban's mail-order drug company and cut my prescription cost by more than half, including shipping. It's more convenient and saves!
I’m so happy to hear that!! I was wondering how it was.
@@saraconklinfrozenpennies It was great. I was getting a generic from my local drug store that was about $11 a month/30 days. It was less than $7 for 90 DAYS through the Mark Cuban Cost Plus company. It did take about a week to get to my house, so luckily I placed an order before I was out. It's worth checking out!
Thanks for the useful information
Glad it was helpful! Thanks for watching!!
To cancel a magazine subscription: on the un opened packaging without interfering with the lettering on the label write in permanent ink “ Refused” and “Cancel” make one slash through your name and address to draw attention to the fact that it has been there and been refused, then return to the mail stream in a Mail Drop. If the magazine has no wrapper, bring it into a US Post Office and explain to the clerk you want to cancel your subscription. I worked for the postal service for 28 years before learning this! I have been trying to cancel a magazine I no longer need since 2010.
Free birthday meals as well.
For some of these, depending on where you live, you can't do them. For instance, there's no public transportation where I live and walking or riding a bike isn't feasible for where I need to go.
I don't do warehouses because I realized that I was buying things I wouldn't normally have bought.
Making your own bread isn't always cheaper. I can get a loaf of bread in Lidl for $0.50. I can't make a loaf for that price.
Thrift stores are not always cheaper when it comes to clothes. Plus, if they don't have your size, it's a wasted trip. I've been buying the same jeans for years. I have a system for it. A good pair is a pair that has no stains or holes in them.
Once they get either, I put an X on the tag. I don't work, so those become the jeans I wear every day.
They get too bad, and I turn them into shorts.
Long sleeved shirts become short sleeved shirts.
I love the idea for the jeans. Great idea!!
@@saraconklinfrozenpennies I'm thinking about buying a new pair or two this year because I need some new, nice looking denim shorts. I'd cut off the legs, then use them to make something else, like a sleeveless denim shirt.
I also don't buy lunch meat. Sandwiches are either leftover meat, egg salad, chicken salad, peanut butter or tomato.
I agree on the lunch meat. I would always end up throwing it away so I stopped buying it.
I find it near impossible to find my size of jeans at second hand shops. Heck, it's not always easy at Walmart or Target.
I do buy some shirts used. But all my pants are bought new.
I can get cheap wholemeal bread (45p) in Aldi; but I couldn't buy stoneground wholemeal artisan made bread for under £2 _anywhere,_ though I can make my own for 93p. You have to compare like with like.
Debt free including house ,using these and more it helps.
LOVE THIS so much! Good for you 😊
Beautiful!!! Amen, sister!!!
Canned pulses are no longer 59 cents a can. But many suggestions are right on.
I stretch my beef with pasta and vegetables that are on special
Great idea!!
Great advice
Thanks for watching!!
SUBSCRIBED nice tips!!!
Thanks so much!
Why by cable when u have free to air and tubi and catch uo TV has a lot of free shows
Easier to do maintenance on older cars. I bundle my car issues when possible right now I'm due for an oil change the tires need to be rotated and the engine light is on- all being addressed with one visit
You can fix spagetti and sause with some kind of bread with cheese and have a delicious meatless meal.
I liked your tips.
Glad you like them!
Coupon and you will save a ton of money. Couponing now is not just cutting out a coupon and using it. We spend very little on food, personal care and household items.
So true!
I wouldn’t mind ditching the smart phone…but in 2023 when you still have school aged children it’s not realistic. Most of the schools communicate to parents through apps.
Love this video, very helpful. Thank you!
Thanks for watching!
Additional thoughts about having too much spinach , learn to can or sauté and freeze it.
With my car my oldest son is a mechanic he looks I get the parts then he dose fo me
Red is your color!
You said you’re growing season is short. May I ask what part of the country you live in? I am in WNY.
I’m in NY also. Adirondack mountain region.
I have to use my smart phone for my jobs😅😅but there old ones. I don't eat meat so I save there. I buy in bulk good food no processed food.😊
I enjoy your videos, here is a few other things that I do if vegetables are on special I will buy extra and freeze them, spinach is good frozen for omelettes or in casseroles , even buy bread or buns for short term freezing. Don't forget the markdown rack at the grocery store. It is usually things which are going to expire soon but are fine within a few days. I have a discount where I work and it always says on the receipt what I have saved I try and put even half of what I saved away because normally I would have spent that money as well. One month I saved over $60 ! One last one if you are very disciplined use a credit card that has points or cash back and use the rewards for groceries. But only if you pay it off every month. Put all monthly bills and even taxes and insurance , water bill on the card to get the points. But as I said only if you can pay it off every month.
Love these ideas!!
Where do you find canned beans for .54???
Well, when this was made, canned beans at Walmart were .54. Now they are .78
@@saraconklinfrozenpennies here they were almost a dollar 7 months ago, now they are almost a dollar
@@tamaracalvert5442 so they haven't gone up at all?
@@saraconklinfrozenpennies yes
@@tamaracalvert5442 Wow. Prices of fruits and veggies are up 17% here in the last year!
Sam's club and Costco both have gift cards for restaurants. Often they are $70.00 fot $100.00 in gift cards.
Ditch my smartphone? Really? That’s a HARD “NO”.
We go meatless every day!
I use an IPhone 8, 256gb, bought mint with case for $200.00 used.
I fast three days a week, and the rest of week as OMAD (one meal a day).
I just watched an awesome wife on lentil tofu. I do not like soy tofu but thus would work and lentils are low carb. It
Your mother in law plant is beautiful in the background. Glad I found your videos. Lorraine
Thanks! Its getting so big!
That plants nickname is mother in laws tongue.
Eat one meal a day. Fast.
Turn off electric at the fuse box.
Turn on the water heater for an hour or two in the morning. Then leave it off until the next day.
No TV. No cable.
Use cloth napkins, handkerchiefs, Dinner napkins, and cleaning rags.
Turn off water at the intake valve on the toilet and bucket flush with gray water.
I don't turn on room lights. I navigate and do task lightning with a head lamp powered by rechargeable batteries.
So many great ideas!!
@@saraconklinfrozenpennies Thank You! Frugality is my sport, And my savings is my score card!
@@schrodingerssquirrel6973 SAME!!! 😊
With rising costs I do something similar. I am retired and at home most days... After shower the hot water is turned off. I make 1 pot of coffee, have breakfast. I boil kettle and place water in thermos, I pour 1 cup milk in another small thermos( to keep cold.) I make a sandwich, cold drink and fruit for lunch. I turn off all power until 6pm and cook tea, charge phone, a load of washing. If a cold night I turn fridge off at bedtime. I use solar nights at night and use phone torch to go to bathroom if need be. I watch Utube at night in bed. Cheers.🥰
This sounds quote boring.
But I have been buying cloth napkins and cleaning rags, because I don't like buying things that are just gonna be thrown away.
But I'm vision impaired and home a lot. So I have internet for my 55 inch TV.
also, if you're gonna use a smartphone, consider prepaid phone plans with a prepaid carrier.
love making my soap to wash cloth.
I live off the grid. That trumps all your tips combined.
Lol. You got that right! 😂😂😂
I buy all my clothes at Thread Up, save tons of money
Line dry and use ya Airers for clothes if u have a garage put up some lines in there
So amusing to an Australian.All my friends line dry.
@@lynncaldwell8345 Tell your OZ friends that in some American neighborhoods, drying clothes outside is illegal. Watch their heads swivel round like in a cartoon! 🤦♀️🤣
@@happycook6737 Line drying can have a downside.Years ago a friend had returned from a trip to America with 6 pairs of designer jesns. He washed them and hung them out. They were gone before he even got the creditcard bill.I don.t think he would jang them in thesr times.
Have you ever heard of magnets instead of laundry detergent. My kids are just turning 18 and I've used the same set for a decade best $75 I ever spent
Magnets? Can you give me more info on this?
I love this lady. jajajaj 👍🏽👍🏽
I find RUclips Premium a great buy as someone who love documentaries and how to vids.
My oldest son and daughter in law have this. They like it!
I go after Xmas salefor gifts put up for year rounds
If no coupons go to happy hours that’s don’t require alcohol and they have prepay 1,000 minutes for 100
Tell your M-I-L to get an antenna. I get plenty of channels for free!
👍👍👍
Freeze the greens
No way I’m doing my own hair .
I do my own hair. I have a simple bob and use L'Oreal Excellence permanent color cream. Saves me $140/month. If I had a fancy style this might not work. I got The Perfect Bob template online. Predictable results every time.
None of link's work.
Do you do any vegan cooking plans?
So sorry about the links. Thats been fixed. I don't have any Vegan plans. Unfortunately I dont know enough about it to create one.
I shop year rounclearam clearance ced
If your bank or credit union charges a fee to pay your bills using their bill pay service, change banks! Very few banks charge a fee for this in my area. Credit unions tend to charge less for services. We have never paid to use bill pay. Also if you use a credit card for earning rewards, be sure it is paid off every billing cycle. I record my expenses every week during the weekend, so I just pay my credit card at the same time for the purchases I made that week. Never have paid any interest for the use of the card.
I dont used only my smart phone just to sepak with someone else.I used to check my email. to check reviews before make any purchased. share my location. if someone needs to find me... The least i do is playing :(