10 Ways Frugal People STAY Frugal to Keep Saving Money
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- Опубликовано: 16 июл 2024
- This video was highly requested! Here are some frugal tips on how to STAY motivated and committed to the frugal life and continue to save money (and not get tired of it!) Frugal living has truly changed my entire life and how I see money. HAPPY FRUGAL FRIDAY FRIENDS!
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#frugalliving #frugaltips #frugal
Hi Kate. I had never seen your channel before, not sure how I missed it. What can I say? I like you. Good info and upbeat. Good job!
Prepper Princess! I'm so glad you are here! Thank you so much!
M
I took out a 30 year mortgage at age 60. My main goal was getting rid of the mortgage by age 70. I threw all I could on the mortgage. It was easier during covid time. I still owe $12,000 and will be mortgage free at age
69 1/2. Get excited about your goal. You can do it!
Thanks for the encouragement! This, too, is a goal of mine.
That’s amazing Kim!!
Great job!! You can do it!!!
Wow you guys are so fortunate to get a "bond" as we call it in South African at that age.
I'm so happy you almost there.
Stay blessed
Wow that's great! Thank you for giving such motivation!
I love the EveryDollar budget. I was so happy that I learned about it. Nerdy I know, but I get excited about planning next month’s budget and coming home after grocery shopping and updating my current budget. I realized it might have morphed into an obsession when I found a dime on the street and was excited to increase my current month budget by $.10
Don’t feel bad, I get fired up even finding a penny.
Im going to turn 46 in May. I own paid up my apartment. I have my car paid up. I don't have no loans. Neither I have stores accounts. My biggest expense is my daughter she is in grade 11 this year she will turn 17 next month. I don't receive no allowance from her Dad. We live in Johannesburg, South Africa. Im Tour Guide. I pay for my retirement. I also save monthly for my car replacement when I need to change eventually. I also save monthly for home maintenance. I also save for emergencies. I also save for education. In case something happen to me and I can't pay for education. My absolute pleasure is travel and once a month I go eat sushi and once a month I love eat ribs meat. Once a month or every 3 months I go to movies. I don't smoke, I don't drink alcohol. I don't go out with friends etc. I don't really socialise. I love my family my hubby, daughter and twice a week I visit my old parents. I see my brothers at my parents. I love my life.
❤️❤️❤️
You are doing great sis!
@@darlenepaul2934 thank you so much. God blessings. May you be blessed
You are goals
I am listening to you in Scotland where I have been for 1 of my 3 weeks. I began saving for air tics a year and a half ago. A year ago I began saving for my time here. I am staying with my sister. Free room, free board, free taxi. I pay for every 3rd adventure/ meal and have bought presents for those at home. I have only gone thru 20% of my $'s. My main point is... the year and a half flew by and here I am.
WOW ROBIN! Sounds AWESOME!
I have nobody around to share my money goals 🤨 That’s why I hear YOU 🙂
The spurt thing is so true! When I decided to save 1000€ as fast as possible it was on full force, every extra money was put on the savings account and it still makes me really proud of myself ☺️
Hey I really like your idea of going in brief bursts. Whenever I try anything - diet, budgeting, exercise... I can't keep it up and feel guilty. But this idea of giving it your all for brief periods of time and not feeling guilty when you need to take a break is a great attainable goal for me. Thanks!
YASSS JODI!!!!!
I met a woman this morning who had given up sugar for Lent. So in awe of her as a massive sugar junkie.
I'm going to have to watch this again. Been feeling blah blah this month. Listening to you this morning, I could feel a little spark inside. Listening again should do the trick. You always make me happy.
YAYYY!!! Annette that is such a wonderful compliment! THANK YOU! I'm so glad you are here!
I too fel tblah blah and watching this did put in a little spark I have no one to share my joy or struggles. Watching this encouraged me to share on this channel. Let's keep going, like Kate said keep your eye on the prize... hang in there
Thank you for doing these videos. I don’t have any frugal friends in my life so I look for inspiration here. This video really spoke to me 💜
My no spend Jan was so successful I've morphed it in to no spend 1 quarter. But I'm struggling. So this video resonated with me. I know I'm going to want to buy some new items for my gardens in May. So I'm focused on setting aside a little money for May and I'm scouring websites for the best prices. Having fun imagining the items in my garden and enjoying a little planned splurge which will get me into my garden and happy place. 😊
What you're not changing...you are choosing!...that was great!
Thank you Bonnie!
I have used the Every Dollar budget app since my divorce in 2017. Frankly, I did it because I had no idea how I was going to make ends meet. Now here I am eight years later and I have nearly tripled by net worth. I will use this app for the rest of my life! Love your channel, great job!
😍😍Beth I’m so proud of you 🙏❤️
I love all the tips and checking my accounts each morning has been a game changer. My dog is staying at the emergency vet tonight and I'm trying not to think of what it will cost. I do have Pet Insurance but it's still gonna cost me. I'm so happy to have the savings and be able to care for my little guy. Thanks!
Thank you for the reset. My fridge broke in March and with all the stuff on the news I started craving food and shopping for clothes. I slipped badly. I need to rein myself in and this video will help. Thank you
I do all of those things you mentioned but the one that stuck out the most with me was that a person should be "willing to change the course if the goal no longer serves you". I have a prime example. My goal was to save enough money to buy a house outright in a cheaper area of Canada for retirement. Once I had reached that goal, I realized I would not only be isolated in a rural area, with no social support system, a disability that greatly affects my mobility and transportation options. Harsh winter conditions which would further isolate me from an unfamiliar community, and has high heating costs. The cost of the move, the actual purchase of the house and maintenance/repairs would deplete my savings drastically=no buffer. However, when I found out that my medical coverage would be compromised and the medical system was terrible in that area, I changed the course. Yes I was disappointed I hadn't followed through to fulfill my goal, however, knowing that I had actually reached the goal but it no longer served it's purpose for me (security), made it easier to rational my decision to change direction. Now I have plan B, C & D to think about. I have time to do this. It is nice to be part of a frugal community that understands.
My husband is entering a retirement age. Thats why im learning to be frugal and this is how I found this channel. Love from Indonesia ❤❤
I'm so glad you're here!
I hear you loud and clear Kate!!! You’re helping me pay off my debt and I’m incredibly grateful for your knowledge and videos. My daughters graduating college next spring and my second goal is to gift her a beautiful trip to Europe. Thanks to you I’m on track to hitting my goal.
Love this! Thanks Miriam!
Enjoying Life w/o the Expense is much more satisfying
YASSS Cindy!
I hear you.
Weight loss and budgets are a very similar discipline.
YASSS!!!
I just bought 2 kilos of cooking bacon , cleaned it all up took of the rind and cooked for crackle in my salads and chopped up the bacon in the fine pieces and put into IceCube trays for pasta , eggs x salads . Worked out so cheap and I have individual serves . Any savings will help me buy our home x
YASS! Love this Rebecca!
Surround yourself with like minded people. I’m with a very small group and during this period time of my life it has been much better with my financial goals. Love your channel!!!
I am working on paying off a mortgage, when I lose my motvation, I update my Net Worth sheet and love watching my liability total go down, and networth total continue to increase,,its truly motivational for me, especially as I get closer go retiring, I know the more I stick to my goal, the better my retirement will be.
Staying on a budget is the way for me....I love keeping my budget clear and simple....
I love finding fun frugal activities that won't break the bank!
YASSSS!!!
Where is your tiger cat, Mr Hanum?
Ah, there he was. Thanks for the brief picture.
He was sound asleep on my bed:) :) :)
We do a no spend, the last week of every month. No spend Month of December. In January, we buy what is 50-75% off, that we will use for ourselves, home or auto. We purchase 20% off gift cards for pizza's and subs. Home building
supplies. We do a large garden.
Having a mindset of opportunity and abundance instead of feeling deprived really helps so much with living frugally and meeting those savings goals. I think it’s the biggest single thing that changed that made a difference for my ability to save and be happy doing it.
The second thing that went along with this, is making a game of how I could have a need met while saving money.
The first area I did this in was my kid’s clothing. I bought my kid’s clothes and most of their toys and equipment from a consignment shop near my house. After selling my stuff I no longer needed back through the shop for awhile, the owner asked if I would like to work there a couple hours a week for store credit. After that I got their clothes without spending money from the income coming in. I “double dipped” by getting checks from what I sold through the shop too. I found certain items sold for a lot higher than I could find them, and I would treasure hunt those items at other places, buy them cheaply and resell a big mark up through the shop the things I didn’t need, and it helped me to have extra cash to buy my own clothes and things for my house that I couldn’t get at her shop.
My style has been keep my head down and trudge along. I'm usually at my goal before I know it!
YESSS NINA!
Hi Kate, I got a second job recently, so been super busy, and not been able to stay up to date on RUclips. Missed seeing your positive videos, and hearing about how everyone is doing. The second job is allowing me to put some savings away, which feels good xx
YAYYY!! Congrats on the 2nd job and I'm SO HAPPY TO SEE YOU TODAY!
Good job! Congratulations 🍀
I like free or frugal ways to treat myself. Sometimes I get bored or restless and want to pick up my phone and shop. But lately I do something like take a walk with my dog or take a book to a coffee shop and sit and read for an hour or so. It gets me past that urge to spend money.
I HEAR YOU. I am doing a No Spend day once a week. I have decided I will do as many no spend days in a row as I can.
LOVE IT!!!
Don’t stop! You’re doing great! Carbs and sugar are what makes high cholesterol and weight gain. So proud of you!!
Thank you so much Sharon!
I like the idea of no set rules, set a goal and just do it. Also working in solid spurts is something I’m going to start today. Thanks 🙏
YASSS!!!! You've got this!!!!!
I am with you… I am NOT an envelope person. I am a very disciplined credit card user. As soon as I purchase something on the card I transfer the funds from my checking account.
LOVE THIS PENNI!
amazing said: " irresistible "is the word we need so we focus on our goals not with stress but with pleasure. great idea
The one that spoke to me was #4! I am always tracking my accounts every morning recently after starting my online account! Every morning I wake up and have some caffeine and check my accounts from two different banks! And it really is helping my checking account grow which hasn’t happened in a long time, but tracking my account is helping my checking account grow! My other accounts have been growing, but my checking never really grows, but after watching your tips about how you check your account every morning is why I implemented that into my daily routine! Thank you, Kate! Have an awesome and frugal Friday, Kate and K squad! If anyone hasn’t told you, you are amazing!
AHHH! Thank you Marino!!!!! Have an awesome weekend also!!!!
I hear you!! Gotta say, I am the person that caved on the third day in January. I haven't "gone hard" yet. However, I have saved hundreds of dollars since January because I became aware of where my money has been going. It was embarrassing and eye opening to see how much I wasted money. Thank you for changing my financial life!! ❤
AHHH!!! Melissa! You are VERY VERY WELCOME! AHHH!!!! So glad you are here!
Happy for you.
What was it you were spending too much on? For me its clothes and home decor items.
@@dianaschoen4485 mostly just random "little " things that would add up. A little toy for each kid, a couple treats every grocery trip, extra clothes for the kiddos. A lot of extra money on food we didn't really need. It was hard for me to figure out what exactly I was wasting money on because everything I bought we used or consumed but they weren't needs.
TRVEl!! Is my goal!
I’ve been frugal live in since 2019! And finally this year, in April I was able to take a month off from work and go on vacation! My work only pays one week vacation a year, The rest of time off was not covered by my work. I took a two week cruise and stayed another two weeks on the island!! And when I came back my bills were all covered, mortgage paid! I never fell behind!! All my coworkers were shocked that I was able to do that, but they all go out every weekend and buy expensive purses, while I go home and plan my next trip!!❤
As soon as my balance transfer came through, I called my new credit card provider to get my account details so I could start paying down my debt. The persons confusion (apparently it’s not common to pay before the first bill comes)… was very satisfying.
Now I pay off small amounts from my mystery shopping, surveys etc. and watch to wait for it to land… I just got a bonus from work, everyone else is buying shoes and other things. I paid extra off my debt and decided to get my dogs teeth cleaned as preventative to lower my costs next year. I’ve never been this organised but spending less, even though it’s not 2nd nature yet, definitely gives me more peace. Checking accounts daily really does help keep you motivated.
Hearing you 3 days later💚🇦🇺💛💙
Love the tips. I think the dont give up is for me. My partner will never budget the household expences but I try to do what I can re the food shop. He will buy out of housekeeping loads of things we do not need and tons of meat products that only he eats. It is difficult to counter this but I keep trying. I budget my own income and I work hard with that so that keeps me motivated.
Chanelle here from SA. You are so motivating. Because financially things work slightly different this side I have to adjust some of yiur advice, but pls keep it coming. Just live u 2 bits!
Thanks for another great video! The one that spoke to me, pumped me up, was "Dont give up!" Best wishes to KSquad! Let's do this!
YESS Let's DO THIS! Thank you Sheila!!!
I love this video. I watched a prior video of yours where you talked about picking a word for your intention for the year. Mine for this year is 'reset'. I'm resetting everything, my health, my financial situation, my priorities. Sometimes, it's just a daily reset if I'm having a hard time and need to take a day to de-stress and start again. Even my kid took a reset day and stayed home from school when she was having a rough day and came back fresh and ready to go. I'm currently single and I'm loving the freedom that gives me to really figure out what I want and where my priorities are and go after those without having another person throwing me off track. I'm adjusting things financially to change course a bit, decided to hold my RRSP contributions (I'm Canadian so we have RRSP's instead of 401k or whatever the US has) for the time being to focus on paying off my credit card and other debts. I hate that I'm not going to be saving for retirement but for my peace of mind, I'd rather pay off those debts and free up more money that I can put into the RRSP later. Anyway, I'm rambling a bit. Just wanted to say I love these tips. I love how real you are, how you let us know when you've made mistakes or had to change things up because they didn't work for you. We all go through this and it's ok to make mistakes or fail but not to give up entirely ❤️
I will put some frozen ( half defrosted) strawberries🍓 and milk🥛 in a blender, and have a milkshake🥤 on my balkon on this sunny☀️ and warm spring afthernoon. Instead of € 4,- or more at a cafe, its at the most €0.60 at home and do not spent on gas eighther😅. A little present for the start of this weekend ( and have one portion of fruit in the same go✅) make fun because life is too precious not to enjoy it! Just figure out a economical way to treat yourself. works with every fruit of choises. If fruit is going to be over ripe I cut it in pieces and freeze it on a plate/tray and put it in a tupperware or freezer bag. Nothing goes to waste this way. 😋
Nothing goes to waste! LOVE IT!
The best comment for me was the first one. Have a goal in mind and strive for that. So many of the other comments feed onto thos one.
I hear you Kate!
Glad that I've found your channel by the end of last year! Love your vids and your amazing attitude. Keep on with your positivity :)
Blessings from Germany!
I hear you and I enjoy your uplifting messages and getting to the point nicely lol
I'm excited to see more content from you !😍 Support from France
I hear you! Definitely needed motivation.... It's challenging to keep on track so many things happen that knock us off course. Or at least knock me off course. Thanks for motivation today!
I hear you! I definitely do better with short spurts of working on specific goals vs slow & steady. I need to replenish my emergency fund and plan to go hard for a few weeks on that! My cat was meowing while I watched this and it sounded like her and buns were having a conversation for a minute there 😂😂😂
I really appreciate your encouragement and thoughts on frugalness and saving money. It is hard to remember everything and which was which. I like the thoughts of not giving up and to have a reason to think back to and stick to. I like the idea of having an emergency fund and to keep putting away money. That's also a great idea to do things in spurts of going all in. :) Happy Frugal Friday to you as well! Have a great weekend!
I hear you! Tracking what I spend and save is inspiring!
I hear you. 🙌
I hear you!!
Great video Kate! Needed to hear this today!
So glad you liked it!! Thanks Cathy!
Love, Love, Love this video!
Thanks Kate . Love your energy and great ideas . Motivates me keep up the great work 😀
You are so welcome Fiona!!! I'm so so glad you are here!
I hear you Kate xx
Hello Kate! This video was amazing! Thank you so much for sharing, motivating and inspiring us ALL to never give up! I just recommended your video to a few friends. Have a great weekend! 🤗😍👏👌
I hear you. 😊
I hear you. This was what I needed especially with prices going up everywhere
great tips, stay the course ! stay focus , small steps DO add up !
What a Great video!!! Thank you!!
I hear you! Yes, mistake happen but having your channel helps me keep going. Support groups are very helpful on my frugal journey. Thank you!
Happy frugal Friday 👍 Short spurts spoke to me today. Thanks for sharing Kate 😊
Thank you Sandra!!! Love seeing you on Fridays!!!!!!
Thanks for the inspiration! You're a great motivational speaker. Keeping your eyes on the end goal is important. And I agree that regularly tracking your spending and savings accounts is helpful. Watching my savings grow is encouraging and makes me want to keep pressing on.
Thank you Kate for the motivation and inspiration!! Love your content. Hi Buns :)
You're so welcome Kathy! Buns says hi!
I hear you, Short term focus to achieve goals that resonated with me. I also like how you plan fun inexpensive things to look forward to.
Good morning Kate.. i just wait for ur Frugal Friday video.. Ur positivity really motivates me.. whole week i just watch ur videos for motivation.. can't Thank you enough.. Loads of Love to you and Kaden.. Have a great weekend.
Thank you so much!!
You are so motivating! Thank you! I always feel so much better after watching your videos! Documenting my journey is the one that got to me! Thank you!
AHH! That is a huge compliment! THANK YOU! I'm so glad Nancy!!!!!
Amazing video, you are glowing btw!!! Yay for this happy season in life. Let’s keep it going!
Thank you so so much Kimberly!!!!! Happy Frugal Friday!
I hear you Kate! This was a video I needed to hear today. You are my guys who live like I aspire to be like. Don't know anyone in my real life who lives frugally, plan for the future.
I HEAR YOU 👂 😐 AND. I AM DOING GOOD AND FOCUSED FOR FEBRUARY I AM DEDICATED THIS WEEK TO SAVING MONEY 💰 🤑 💸 ( STAYING HOME AND DECLUTTERING) A CLEAN HOME IS A HAPPY HOME)
Great video Kate!
I hear you! This is brilliant!
I hear you, Kate! Loud and clear ❤️❤️
YASS!
Great video! I appreciate your content. My favorite tip was to visualize achieving the end goal! It actually does pump me up to stay committed to frugal lifestyle!🙌🏾🙌🏾🙌🏾
Thank you so much Natasha!
I hear you Kate!!
Thank you Gillian!!! HAPPY FRUGAL FRIDAY!
Crushing the short time/spurt! Awesome!
Great video Kate! I hear you- The one that resonated with me the most was the budgeting/tracking- I've kind of started but still haven't quite got a handle on it 🤔 Time to rewatch some of your older vids 😎
Keep up the work, I love your enthusiasm it is contagious.
AHHH! THANK YOU SO SO MUCH!
I hear you!!!
Really enjoyed this video. Staying positive about my goals. Really seems to motivate me. Looking forward to next week.💝
YAASSS!!! Thank you so much Kimberly!!!
Just found your channel & so glad I did!! I've been really careless with my money in the last few months & watching a few of your videos has made me "wake up" & get back on the wagon!! Thank you!!!
You're such a great teacher, Kate.
Thank you so so much!!!!
I loved this video en thank for inspiring us. Keep going, we’ll that’s the most difficult part. 💕💕💕
Thank for this video Kate, keeping me focus, may God bless you, have a wonderful weekend!!!!!! 🙏🥰🥰🥰🥰❤️
You are so welcome! Thanks for being here Flor!
I love that you explain your process!! Go hard! Do it!
Thanks my friend!!! Love ya!
I hear you.🥳
Love your joyful personality.💕💕 A pleasure to watch and listen too.
I hear you.
Your enthusiasm is infectious
Doris, thank you so much!!!!
All of them thanks Kate say hello to Kaden for me. The cats are so cute have a wonderful weekend!!!!!
I hear you there I purchased my own house and retire comfortably early at 38
This is awesome
I hear you Kate!! I’m going to keep working on this!! In fact I’m going to try a no spend April!! 👍
Hi Kate! As usual, the budgeting aspect was first for me.