★★ LINKS MENTIONED IN THE VIDEO ★★ (09:51) - American Express card for Travel Avios points - thehumblepenny.com/AMEX (15:45) - 27 Meal Prep Ideas For A Happier Life - thehumblepenny.com/healthy-meal-prep-ideas-easy-recipes-30-minutes
Ive been chained by debt and my spending for decades now it’s been depressing me for years. For the first time I feel positive that I can stop mindless spending and end the cycle of paying off bills just to run them all back up again a few months later. I need to be free of the stress. So glad I found this channel. I’ve cancelled all but one of my tv streaming channels and I’m not upgrading my phone that’s now paid off 💴 💴 💴
Pauline, thank you for being brave to share this. On a day like today, this message that posted couldn't be a stronger warning to others. We're glad that our channel is helping you 😊
New subscriber!! Found your channel yesterday as you were a recommendation on mumsnet for good financial advice. I’m obsessed with overhauling my finances right now and I’ve watched so many of your videos. My phone bill is currently £52 a month, I can’t wait to go to sim only Feb 2023 for much much less. I don’t condition my hair! I find bottles of value double or quad concentrate squash for £1.75 last me over two weeks. My car is old but I look after it, and we get a takeaway maybe every 1-2 months, as my husband is a chef and I love cooking too
Just want to add that it's really important to look after your stuff if you want to keep it as long as possible. My phone is now 6 years old and not a scratch or crack on it, here are my tips: Put a screen protector on straight away. Always keep it in a case. Don't put it your back pocket and risk sitting on it or it dropping down the toilet! Don't walk about typing in to it and risk tripping over. Don't let small children have it at all. Don't walk the dog while staring at the phone, the dog may pull you and you drop it. I know people who've smashed phones in all these ways! Also, only charge it until it's full then unplug it, charging it all the time can be bad for the battery.
What's happening in the world right now has refocused me to develop financial literacy. Happy to have found a UK based channel. Newly subscribed and keen to grow and learn. Glad I'm already doing a few of the tips given!
I love the the first point about TV its something I have been thinking a lot about recently. I realised I was constantly complaining I didn't have time to do things but when I thought about my day I'd always managed to watch lots of TV shows. Now I have been listening to more music and often just appreciating the silence and I have found I have so much more energy! I though I was watching TV as a way to relax when I was tired but now I'm realising the TV is what's draining me and by not watching it I'm more productive.
Lindsey, wow that's such a huge point. Most people see tv as a way of relaxing when it isn't at all. Love your new activity of listening to music. I find music so peaceful and inspiring.
I found your channel and I am obsessed! So many good ideas and it really helps that you guys are UK based! I started a no-buy journey last year and documented it but now I feel like your channel is making me want to seriously step up my game in becoming more money savvy.
Hi Simantha Thanks a lot! 😊. Your content looks great and you communicate well. I think you'd need to fine tune a few things and things will move up a level. As for becoming more money savvy, heck yeah! 😉
Great video, Ken & Mary! Didn't expect to see "Juices" as one of the ten but you're right, we stopped drinking juice a few years ago as I guess our palates just changed and they tasted a bit sickly sweet. So it meant a £3 - £5 reduction in the grocery shop each time without any bother! 💛 🐻
Mary I love you two you make a lot of sense. I have just upgraded my phone from an iPhone 6. My old phone I had for an extra 2 yrs as there was nothing wrong with it. I have only just in the last week upgraded my iPhone to a 7 yes that right a iPhone 7 128 go. There are out there and I love mine so Mary get a 7 they do everything the 6 and 8 do. Just try and get the bigger memory. My package was unlimited calls and text no upfront costs which I negotiated with my provider and I could have has 25gb data but only opted for 10 and my off line consumption is within this ratio.. So go for it my lovely. Bless you two and may your Chanel go from strength to strength..🙏🏾🙏🏾👏🏾👏🏾🙌🏾🙌🏾 Bev
I’m so cheap that I pay for a second hand car for under £2,500. Bought second hand phone from giffgaff with a 3 month warranty for under £140. And I only pay £1 per week for data, mins and calls😅 The only thing that I need to work on is my food spending as I used to go out for food every week to meet friends😅
Very natural and I found the video alot more funnier than what i think I should have lol. On top of it all great content to learn from as I'm guilty of many of the 10 things mentioned! Thank you both
😂 we had a lot of fun making this one. In fact, we were more rushed off our feet and had just 30mins to record it. Glad it turned out well and that you enjoyed it
Warning re 02 and upgrades!!! Agree completely with the phone upgrading and was adamant I was not upgrading the phone. My S8+ is working perfectly. When they rang U was very specific that I only want a sim plan and no contract. What I didnt realise was it was a "partner" company who 02 shared my details with. I then got trapped in a 3 year contract with clearvision communications. I am fuming and now fighting 02 and clearvision communications and neither will accept any responsibility for the contract which now doubled in the first 12 months and is binding until 2025!!! I will now never talk to any phone company when they call but go in to a network provider shop
Omg the whole phone upgrade thing! My dad paid off his phone contract and he somehow assumed an upgrade was due so bought another on a plan??? What a madness! He was so used to this structure with the way mobile companies contact him that now he thinks he's obliged to buy a new one after every year or two loool. Anywho i love your vids, keep it up.
Great video, We fully relate to all points raised, really all points have been at one point debated and we do use water filters for all our tap water consumed more from a health standpoint but we think they turn out to be good value - our girls do like to drink juice so we do purchase 2Ltr pack too to have the option. Phone upgrades agree are a trap as is the insurance they try and throw on top and with a teenage daughter you do find it's a conundrum but a good safety case and screen glass cover will do it! I love your videos and shared this one with my wife 🤗 sowing the money saving seeds for a smarter life. All the best, Pedro
Hey Pedro, wonderful 😊. We much appreciate your support. You make a good point about insurance. It's yet another thing to pay for on order to supposedly protect these expensive phone upgrade. I'm intrigued about how your household costs have changed as your daughter grew into teenage years. Did costs increase materially? And why?
@@TheHumblePenny I believe costs are starting to creep up and is an area that can snowball, mainly from school expenses (A Level books, trips, days out with friends, driving licence at 17, preparing for uni, not having to wear school uniform). When younger, costs were easier to plan for and spread over longer periods such as hobbies like swimming, piano, parties.
@@PedroSantos-bn1gw Gotcha! You should start encouraging her to take up a side hustle early. At that age, they have much better ideas and can connect the dots quicker.
Love the enthusiasm of you guys! Dead right with the cars, mobile phones, takeaways etc. I hate seeing people say they can't afford a house but have a leased Audi, iPhone XS and eat out three times a week. I can't agree on the holidays though, I never regret money spent on good experiences :D Keep up the great content.
Ditto. I don't go overboard on my trips, but I do try to enjoy them without my usual restraint. The car payment one makes me chuckle - so many people have these big car payments that 1) could have been avoided by buying a slightly older car, and 2) you don't get anything back for all that payment. I have a friend who recently bought a car wayyyyy outside his price range (it's bad on many levels) and now he's struggling to make ends meet.
People paying for a gym but not going need to get a personal trainer 😂 some really great tips in this video great to finally find a UK Financial channel
Great channel and information. Definitely agree with people questioning their spending and not wasting money , but I also think that life is for living and that it’s important not to become so wedded to the idea that you deprive yourself of enjoyment. 👍
How interesting you talk about juices. I stopped buying juices over 10nyears ago. I drink tap water. It is very dear to buy juices as most of them are full of sugar too. Water is the best. Pre planning meals is one of the things I do. In my budget I find myself having £50 or so left in my envelopes when the month ends. Thank you for your advice. Mary you should come up with budget recipes for us.
@@eezy251able Growth at 7% beast paying down a 2% mortgage every time. Mathematically, letting the Mortgage run and investing instead will make you richer year on year.
Hi, just found your RUclips channel after trying to figure away out of a financial crisis, that's recently started. I think many of your ideas are great and follow them myself already. Just one question, where is tip 4 of things to stop buying?
Great video!! Mary you remind me of Michelle Gayle!! My iPhone 7 Plus is still good as new and contract up in December, I’ll be going SIM only after that. Just had to get my mum a phone so got her a 7 plus refurbished on eBay for £112. Bargain!!
Great video. I like to make products too but have not tried a deodorant as yet. My halfway house between the conventional and making my own is a brand called Salt of the Earth Natural Deodorant. They sell it in Holland & Barrett but I buy the large 1 litre refill bottle from Amazon which is far more economical and it lasts for a very long time.
Hey! The home made beauty products you make sound great would love a video on how to make them. As a women who buys a lot of beauty products I am needing to make a saving in this area as a step towards financial independence. Thanks!
Hi mscocolee; Thank you for the video suggestion! I will add it to our list of videos to make 😊 it is so easy spend a lot on beauty products. Good on you for taking steps to change this 👊🏽❤️
I can relate to the phone issue My iphone se looks like someone has been chewing on it, Its cracked up top exposing the camera and the screen has several cracks. sad. My point is it still works.
We used to have Netflix Disney plus , and Amazon prime . After much discussion i convinced my partner to ditch Prime & D+ . Then we stopped our monthly cinema sub and now select which films we go to ( if any that month ) . We negotiated a better price for Broadband , our cable provider, were willing to listen than lose us .
Love this video. Thanks guys. Wow thanks for the meal prep blog mary! Will check it out. I agree with mary on the deodrant. I'm not quite making my own yet but they are natural deodorants that work for men and women- Salt of the Earth lasts for 2-3 years. No chemicals or aluminium. I think the sim only contracts work out a lot better than the usual phone contracts. I've cut my monthly spend in half. Yes we only drink bottled water at home too...must switch to those water filters soon 😲
Hey Rachael, Yeh Mary put a lot of effort into the meal prep post. Definitely one to check out. We will in fact be creating a totally separate food website next year (fingers crossed). So be on the look out 😉.
I've not watched any t.v at all for at least 1 week. I work 6 days per week. The time I saved from not watching t.v. I've used to make a budget to get my finances back on track, prepped some meals, cooked some chicken soup from scratch, and listened to a personal development audio book on line. My ex husband wanted sky even though we really couldn't afford it and didn't need it. On 1 of my days off I need to cancel the t.v subscription. I get a very large bottle of juice and water it down but my new partner, who is from Romania, showed me how to make my own flavored water so now no shop bought juice. My partner is very frugal and i'm learning a lot from him on how to save money. Having the right partner helps! We do sometimes get takeaways or eat out but very rarely, usually once or twice a year. Most of the time though we eat at home because he doesn't like English food. He is teaching me how to cook some very basic Romanian dishes in bulk which we cook together in bulk when we both have a day off work. It really helps on a very tight budget and I'm able to save a bit more than I did before I met him. I feel truly blessed and am saving to go to Romania for my first ever holiday abroad, but my first goal is to pay off debts, then get a passport. This video is very helpful. Thank you!
Hi Samantha - WOW! First holiday abroad - That must be very exciting. I enjoyed reading your comment about savings. Also very interesting to get a different cultural perspective about Romanian approach to life. I look forward to hearing back on how your holiday goes 😀
Hiya Mary do you have a link to any of your homemade recipes for hair and body care products? Especially conditioner, deodorant and body cream. I spend alot on these. Thanks
We both got a Motorola Moto G6 in 2018 for less than £240 each. Both phones are still great and do everything we need. We have low cost, Sim free, rolling contracts. We'll probably go for the budget end of the smartphone market again when they need replacing. It's worth doing some research before buying at this end of the market, although Motorola tended to be in the top 3 in most budget smartphone reviews in the last few years.
Hi, whichever phone you get, I suggest a robust phone case. I have a reconditioned motorola which is actually so far pretty unscathed even though it's been dropped, shoved in bags, shoved in pockets and thrown in drawers. The case cost less than £10 and has been worth every penny.
I had a good giggle at Mary's phone. I had an iPhone 6 that was similar in regards to how cracked it was. I could actually see through the phone in one of the corners, lol. It still lasted me 3 years though!
These tips are very good! My partner currently has had his iphone for 3 years and he refuses to change it, even tho the battery dies every hour lol. Me im the opposite, i admire him sha! PLEASE PLEASE, can i request that Mary does a video on how to save money as a WOMAN? As a woman you want to get glammed up, nails hair, wax, clothes etc, It would be very informative and useful! Thanks guys xx
The one I definitely got good with was the juices. I hated water, so I always had to drink some type of juice or drink. But I saw the utter waste of it so I started with tea or lemon and berry water and now I even just drink water. If only I can apply this same principle to the rest of waste in my spending. I will do it! 💪🏾
@@TheHumblePenny personal finance and investing for UK residents. There are a lot of books out there for US and lots of info is unrelateble ! Thank You for responding!
I had the note 3 brand new until 2019..no damage whatsoever n finally was happy to upgrade to the note 10 plus. Dropped that fone possibly a 100 times 😅 but it remained functional with no screen damage at all!
Great video, you've really raised a great challenge with regards to TV watching. I'm going to think differently in 2020. You should get a iPhone X or XR.
Hi. Thanks for the great video!!I literally just went to sign up and then I saw right at the end that there is a £195 annual fee. Is that right? Or have I read incorrectly? Thank you
Such a great channel. I haven't owned a TV since 1994. I only caved in and got a computer when I realised I could make money from it. Website/ online store / advertising my business for free in local groups on social media. I seldom buy anything that cant potentially make me money.
I think people just have to think out side of the box for FREE entertainment. As a student funds are very limited and have to budget everything. All we need is the internet now and the basic bills pay off first. Normally there are always FREE things you can do online one just have to do some research. Apps are very help now where there are so much FREE streaming application that you can watch online with ads for FREE without paying anything. I really enjoyed watching your video and learned a lot as well keep it up I also just subscribe as well.
Regarding phones, see if you really use a phone enough to justify a contract. I switched to a PAYG type deal with 1p Mobile (no affiliation). I spend so little I might even have to change that. Free WiFi is so common now that I hardly use any data and I make a lot of free calls and messages through apps like Whatsapp. I buy my phone outright and change it about every 2-3 years but I spend less than £200 each time.
Thank you! I like the point you made about the availability of free WiFi in most places. Especially as most of us have WiFi at home and at work. So the only need for ongoing data is on the move, which doesn't need to be that much as there are more interesting things to do whilst on the move like reading a book.
@@TheHumblePenny Yes definitely. Most of my travel is driving so I don't need data there. When on public transport I read or listen to podcasts so again no need for data and anyway trains and coaches nearly all have wifi now if you did want it. I was just on a short city break and used some data for getting around, looking things up etc and I used 50p worth on my PAYG plan, not exactly breaking the bank.
Keep your old phone with its memory card as a digital photo book, copies of important documents, and contact info if you loose or damage your new phone.
Thanks for this video it’s very informative and I’ve learnt so much. I subbed after watching this - great content. P.S. Mary you look gorgeous. God bless
Finding it really hard to concentrate on this video all I can think about is the colour of Mary’s lippy! I know it’s nothing to do with the great advice but please can you tell me what is that lipstick brand and shade is 🙏🙏🙏🙏🙏🙏🙏💄💄💄💄💄
★★ LINKS MENTIONED IN THE VIDEO ★★
(09:51) - American Express card for Travel Avios points - thehumblepenny.com/AMEX
(15:45) - 27 Meal Prep Ideas For A Happier Life - thehumblepenny.com/healthy-meal-prep-ideas-easy-recipes-30-minutes
Liking the UK based advice and content. Subbed!
Cheers, Barry! 😀
There are not many content creators in the UK. These guys are definitely one of the best!
This is a fantastic channel, offering a UK perspective for independent freedom seekers. Please keep up the good work guys.
Much appreciated, SilverSurfer! 😊
Absolutely beautiful couple with excellent knowledge!
That's a super kind message 😊. Thank you, Abigail.
Beautiful couple I agree!! I think this representation in our community is important 😔😍🥰😍
Kerri, much love ❤️
Aye :nods: Good looking, charismatic and thoughtful people :salute:
Ive been chained by debt and my spending for decades now it’s been depressing me for years. For the first time I feel positive that I can stop mindless spending and end the cycle of paying off bills just to run them all back up again a few months later. I need to be free of the stress. So glad I found this channel. I’ve cancelled all but one of my tv streaming channels and I’m not upgrading my phone that’s now paid off 💴 💴 💴
Pauline, thank you for being brave to share this. On a day like today, this message that posted couldn't be a stronger warning to others. We're glad that our channel is helping you 😊
Loving a UK money channel. Loving Mary's hair too 💁🏿♀️
😊💛
New subscriber!! Found your channel yesterday as you were a recommendation on mumsnet for good financial advice. I’m obsessed with overhauling my finances right now and I’ve watched so many of your videos. My phone bill is currently £52 a month, I can’t wait to go to sim only Feb 2023 for much much less. I don’t condition my hair! I find bottles of value double or quad concentrate squash for £1.75 last me over two weeks. My car is old but I look after it, and we get a takeaway maybe every 1-2 months, as my husband is a chef and I love cooking too
Hey Melissa 👋🏾. Welcome 😊. Lovely to hear that you came across us from Mumsnet. Thank you for watching. Please share our videos with others too.
Just want to add that it's really important to look after your stuff if you want to keep it as long as possible. My phone is now 6 years old and not a scratch or crack on it, here are my tips: Put a screen protector on straight away. Always keep it in a case. Don't put it your back pocket and risk sitting on it or it dropping down the toilet! Don't walk about typing in to it and risk tripping over. Don't let small children have it at all. Don't walk the dog while staring at the phone, the dog may pull you and you drop it. I know people who've smashed phones in all these ways! Also, only charge it until it's full then unplug it, charging it all the time can be bad for the battery.
Great tips!
Same here
Tech21 case, dropped dozens of times, never a scratch.
Finally some UK content that I can apply . Great 👍🏿
👊🏼
Just found your channel and I’m obsessed! Love you two, UK based and realistic. Subscribed!
Thanks so much, SLou V! 😊
What's happening in the world right now has refocused me to develop financial literacy. Happy to have found a UK based channel. Newly subscribed and keen to grow and learn. Glad I'm already doing a few of the tips given!
Hey Ken and Mary new sub here🙋🏽♀️Nice to see UK based financial advisers. I was seeing more Americans videos. Now I switched. Thank you.
Hey Viviane, awesome!! Welcome aboard :)
So refreshing to find a couple that look like mself based in the U.K. my husband and myself need to save more money.
Great to hear 😊
They are lovely. They always make me smile.
Thanks guys
Our pleasure!
I love the the first point about TV its something I have been thinking a lot about recently. I realised I was constantly complaining I didn't have time to do things but when I thought about my day I'd always managed to watch lots of TV shows.
Now I have been listening to more music and often just appreciating the silence and I have found I have so much more energy!
I though I was watching TV as a way to relax when I was tired but now I'm realising the TV is what's draining me and by not watching it I'm more productive.
Lindsey, wow that's such a huge point. Most people see tv as a way of relaxing when it isn't at all. Love your new activity of listening to music. I find music so peaceful and inspiring.
1. Sky/Cable
2. Phone upgrades
3. Excessive Holidays
4. Gym memberships
6. Expensive Cars
7. Takeaways
8. Juices
9. Retail Therapy
10. Skincare products
I think they missed no 5
Great to see you guys in the UK showing that this can work. Most of the FIRE people I follow are U.S. based. Keep up the good work!
Much appreciated, Kayleigh 😀
I found your channel and I am obsessed!
So many good ideas and it really helps that you guys are UK based!
I started a no-buy journey last year and documented it but now I feel like your channel is making me want to seriously step up my game in becoming more money savvy.
Hi Simantha
Thanks a lot! 😊. Your content looks great and you communicate well. I think you'd need to fine tune a few things and things will move up a level.
As for becoming more money savvy, heck yeah! 😉
Amen - 3 hours in the evening = 3,000 words of a novel. Creativity + hustle = marketable book $$$
Hehe love that! 😊
Great video, Ken & Mary! Didn't expect to see "Juices" as one of the ten but you're right, we stopped drinking juice a few years ago as I guess our palates just changed and they tasted a bit sickly sweet. So it meant a £3 - £5 reduction in the grocery shop each time without any bother! 💛 🐻
Impressive that you stopped just like that! Most people are hooked on the sugar!
@@TheHumblePenny Well, I won't mention how much I spend on chocolate, biscuits and sweets... 😆
@@BoeyBear 😂😂😂
Mary I love you two you make a lot of sense. I have just upgraded my phone from an iPhone 6. My old phone I had for an extra 2 yrs as there was nothing wrong with it. I have only just in the last week upgraded my iPhone to a 7 yes that right a iPhone 7 128 go. There are out there and I love mine so Mary get a 7 they do everything the 6 and 8 do. Just try and get the bigger memory. My package was unlimited calls and text no upfront costs which I negotiated with my provider and I could have has 25gb data but only opted for 10 and my off line consumption is within this ratio.. So go for it my lovely. Bless you two and may your Chanel go from strength to strength..🙏🏾🙏🏾👏🏾👏🏾🙌🏾🙌🏾 Bev
Just discovered your channel today and I am over dosing on it. Thank you!
Hey Christine, that just makes us smile 😊. Enjoy!!
I go to the supermarket and carry two full shopping bags home. Who needs a gym?
I’m so cheap that I pay for a second hand car for under £2,500. Bought second hand phone from giffgaff with a 3 month warranty for under £140. And I only pay £1 per week for data, mins and calls😅 The only thing that I need to work on is my food spending as I used to go out for food every week to meet friends😅
Very natural and I found the video alot more funnier than what i think I should have lol. On top of it all great content to learn from as I'm guilty of many of the 10 things mentioned! Thank you both
😂 we had a lot of fun making this one. In fact, we were more rushed off our feet and had just 30mins to record it. Glad it turned out well and that you enjoyed it
Warning re 02 and upgrades!!!
Agree completely with the phone upgrading and was adamant I was not upgrading the phone. My S8+ is working perfectly. When they rang U was very specific that I only want a sim plan and no contract. What I didnt realise was it was a "partner" company who 02 shared my details with. I then got trapped in a 3 year contract with clearvision communications.
I am fuming and now fighting 02 and clearvision communications and neither will accept any responsibility for the contract which now doubled in the first 12 months and is binding until 2025!!!
I will now never talk to any phone company when they call but go in to a network provider shop
loved yall on rich holiday poor holiday
Thank you 😊❤️
Omg the whole phone upgrade thing! My dad paid off his phone contract and he somehow assumed an upgrade was due so bought another on a plan??? What a madness! He was so used to this structure with the way mobile companies contact him that now he thinks he's obliged to buy a new one after every year or two loool. Anywho i love your vids, keep it up.
😂🤣🤣🤣. Generational thing?
Great video, We fully relate to all points raised, really all points have been at one point debated and we do use water filters for all our tap water consumed more from a health standpoint but we think they turn out to be good value - our girls do like to drink juice so we do purchase 2Ltr pack too to have the option. Phone upgrades agree are a trap as is the insurance they try and throw on top and with a teenage daughter you do find it's a conundrum but a good safety case and screen glass cover will do it! I love your videos and shared this one with my wife 🤗 sowing the money saving seeds for a smarter life. All the best, Pedro
Hey Pedro, wonderful 😊. We much appreciate your support. You make a good point about insurance. It's yet another thing to pay for on order to supposedly protect these expensive phone upgrade. I'm intrigued about how your household costs have changed as your daughter grew into teenage years. Did costs increase materially? And why?
@@TheHumblePenny I believe costs are starting to creep up and is an area that can snowball, mainly from school expenses (A Level books, trips, days out with friends, driving licence at 17, preparing for uni, not having to wear school uniform). When younger, costs were easier to plan for and spread over longer periods such as hobbies like swimming, piano, parties.
@@PedroSantos-bn1gw Gotcha! You should start encouraging her to take up a side hustle early. At that age, they have much better ideas and can connect the dots quicker.
Absolutely loving you two and your content, 𝐓𝐡𝐚𝐧𝐤𝐘𝐨𝐮 so much for being on RUclips xxx
Much love, Claire 😊💛
@@TheHumblePenny same right back at you xxx
I love this particular video nice.
Thank you 😊. What stood out for you in this video?
Your channel is amazing ❤️ thank you ☺️ thankfully I do most of these things but always room for improvement
My family all have one tv subscription each then share the logins :) so although I pay for Netflix I get to use 4 different tv subscription!
Great video! These are great pointers and advice. I can't wait to see more of your content.
Thanks for watching 😀. Any particular topics you'd like us to create content on?
Love the enthusiasm of you guys! Dead right with the cars, mobile phones, takeaways etc. I hate seeing people say they can't afford a house but have a leased Audi, iPhone XS and eat out three times a week. I can't agree on the holidays though, I never regret money spent on good experiences :D Keep up the great content.
Cheers, Ben! Holidays will always remain a debate and I get you 😀. Got any hols planned this year?
@@TheHumblePenny centre parcs soon and we'd like summer holiday but will have to see how the side hustle goes! As you guys say, moderation is key
We don't holiday every year, but when we do we never regret it. Precious memories and when we're older we may not have the energy...
You make an important point
Ditto. I don't go overboard on my trips, but I do try to enjoy them without my usual restraint.
The car payment one makes me chuckle - so many people have these big car payments that 1) could have been avoided by buying a slightly older car, and 2) you don't get anything back for all that payment. I have a friend who recently bought a car wayyyyy outside his price range (it's bad on many levels) and now he's struggling to make ends meet.
People paying for a gym but not going need to get a personal trainer 😂 some really great tips in this video great to finally find a UK Financial channel
Appreciated! 😀
Great channel and information. Definitely agree with people questioning their spending and not wasting money , but I also think that life is for living and that it’s important not to become so wedded to the idea that you deprive yourself of enjoyment. 👍
How interesting you talk about juices. I stopped buying juices over 10nyears ago. I drink tap water. It is very dear to buy juices as most of them are full of sugar too. Water is the best.
Pre planning meals is one of the things I do. In my budget I find myself having £50 or so left in my envelopes when the month ends.
Thank you for your advice. Mary you should come up with budget recipes for us.
You guys are so amazing!
😊🙏🏽
Amazing job guys... I'm glued to your advices ... Thank you
Pay off mortgage early and retire >Fancy German Car and Iphone X.
Paying off a mortgage is not the best thing to do if you want to be wealthy.
But what if you like a German car, but only buy 1 expensive one?
@@eezy251able Growth at 7% beast paying down a 2% mortgage every time. Mathematically, letting the Mortgage run and investing instead will make you richer year on year.
You guys are great only just came across your vids but really inspiring. Uve gained another Sub 👏
Much appreciated! 😀
Hi, just found your RUclips channel after trying to figure away out of a financial crisis, that's recently started.
I think many of your ideas are great and follow them myself already.
Just one question, where is tip 4 of things to stop buying?
Hi Ken and Mary, thanks for your channel guys. Really useful tips!
Much appreciated 😀
I have just discovered your videos, really love them. I have subscribed 🙌🏾
Welcome aboard, Marie! 😀
Thanks for the hard work, lovely couple!
You're too kind. Thank you 😀
Love how you guys break everything down. Stay blessed x
Thanks you much, downney jr! 😀
Your children are extremely lucky. Great channel and excellent UK based advice earned a subscriber :)
Really appreciate you guys for taking out the time to make these vids!
Hi Sungjin
Much appreciated message 😊
You are so refreshing 💗.
😊🙏🏽
Great video!! Mary you remind me of Michelle Gayle!! My iPhone 7 Plus is still good as new and contract up in December, I’ll be going SIM only after that. Just had to get my mum a phone so got her a 7 plus refurbished on eBay for £112. Bargain!!
Love this channel, you got a new subbie!! Thanks for sharing!!!
Thank you, Mary 😉. We're glad you love the channel. Let us know if you have any content suggestions.
Great video. I like to make products too but have not tried a deodorant as yet. My halfway house between the conventional and making my own is a brand called Salt of the Earth Natural Deodorant. They sell it in Holland & Barrett but I buy the large 1 litre refill bottle from Amazon which is far more economical and it lasts for a very long time.
Great tip re Holland & Barrett. Definitely one to check out.
Aww you guys are so lovely! Thanks so much for all the fab tips :) x
Thanks so much 😊
Hey! The home made beauty products you make sound great would love a video on how to make them. As a women who buys a lot of beauty products I am needing to make a saving in this area as a step towards financial independence. Thanks!
Hi mscocolee;
Thank you for the video suggestion! I will add it to our list of videos to make 😊
it is so easy spend a lot on beauty products. Good on you for taking steps to change this 👊🏽❤️
I can relate to the phone issue My iphone se looks like someone has been chewing on it, Its cracked up top exposing the camera and the screen has several cracks. sad. My point is it still works.
😆👊🏼
We used to have Netflix Disney plus , and Amazon prime .
After much discussion i convinced my partner to ditch Prime & D+ .
Then we stopped our monthly cinema sub and now select which films we go to ( if any that month ) .
We negotiated a better price for Broadband , our cable provider, were willing to listen than lose us .
Fab plan. Most people don't even get value from these subscriptions.
How refreshing to hear simple good advice on budgeting.
Thank you, Charlie :)
Looking great guys! Thanks for the tips ❤️
😉💛
Love this video. Thanks guys. Wow thanks for the meal prep blog mary! Will check it out.
I agree with mary on the deodrant. I'm not quite making my own yet but they are natural deodorants that work for men and women- Salt of the Earth lasts for 2-3 years. No chemicals or aluminium.
I think the sim only contracts work out a lot better than the usual phone contracts. I've cut my monthly spend in half.
Yes we only drink bottled water at home too...must switch to those water filters soon 😲
Hey Rachael,
Yeh Mary put a lot of effort into the meal prep post. Definitely one to check out. We will in fact be creating a totally separate food website next year (fingers crossed). So be on the look out 😉.
@@TheHumblePenny whoop definately will. Mary helped me to switch to shopping in Aldi (with the last video) and i havent looked back since😀
@@rachaelo3882 hehe that's awesome news! 😊
I've not watched any t.v at all for at least 1 week. I work 6 days per week. The time I saved from not watching t.v. I've used to make a budget to get my finances back on track, prepped some meals, cooked some chicken soup from scratch, and listened to a personal development audio book on line. My ex husband wanted sky even though we really couldn't afford it and didn't need it. On 1 of my days off I need to cancel the t.v subscription. I get a very large bottle of juice and water it down but my new partner, who is from Romania, showed me how to make my own flavored water so now no shop bought juice. My partner is very frugal and i'm learning a lot from him on how to save money. Having the right partner helps! We do sometimes get takeaways or eat out but very rarely, usually once or twice a year. Most of the time though we eat at home because he doesn't like English food. He is teaching me how to cook some very basic Romanian dishes in bulk which we cook together in bulk when we both have a day off work. It really helps on a very tight budget and I'm able to save a bit more than I did before I met him. I feel truly blessed and am saving to go to Romania for my first ever holiday abroad, but my first goal is to pay off debts, then get a passport. This video is very helpful. Thank you!
Hi Samantha - WOW! First holiday abroad - That must be very exciting. I enjoyed reading your comment about savings. Also very interesting to get a different cultural perspective about Romanian approach to life. I look forward to hearing back on how your holiday goes 😀
Great vid! Enjoyed
Hiya Mary do you have a link to any of your homemade recipes for hair and body care products? Especially conditioner, deodorant and body cream. I spend alot on these. Thanks
I'll mention this to Mary :)
We both got a Motorola Moto G6 in 2018 for less than £240 each. Both phones are still great and do everything we need. We have low cost, Sim free, rolling contracts. We'll probably go for the budget end of the smartphone market again when they need replacing. It's worth doing some research before buying at this end of the market, although Motorola tended to be in the top 3 in most budget smartphone reviews in the last few years.
Great suggestions! :)
@@TheHumblePenny Thank you :)
Buy a refurb excellent sim only from phone shops on eBay. What’s wrong with iPhone 6, I’ve just upgraded via eBay from a 4s!!
Great suggestions!
Hi, whichever phone you get, I suggest a robust phone case. I have a reconditioned motorola which is actually so far pretty unscathed even though it's been dropped, shoved in bags, shoved in pockets and thrown in drawers. The case cost less than £10 and has been worth every penny.
Thank you, Lyssa! Simple and effective tip 😀
Im going to stop buying juice you make a good point thanks.
Tracy, great move! You'll never look back 😀
“You dropped it a few times yourself”...Ken: “did I”. 😆
😁
I had a good giggle at Mary's phone. I had an iPhone 6 that was similar in regards to how cracked it was. I could actually see through the phone in one of the corners, lol. It still lasted me 3 years though!
😂 it was properly battered. Sometimes I'd speak with her on the phone and the phone would switch 2mins into the call 🙄
Found you on @mamafurfur you have great and relatable content, new sub! I’m looking forward to all the rest!
Welcome! 😊. We're happy to have you check out the channel.
Really good advice keep it coming, I would also add buying coffees to the list!
You guys are amazing 👏
These tips are very good! My partner currently has had his iphone for 3 years and he refuses to change it, even tho the battery dies every hour lol. Me im the opposite, i admire him sha! PLEASE PLEASE, can i request that Mary does a video on how to save money as a WOMAN? As a woman you want to get glammed up, nails hair, wax, clothes etc, It would be very informative and useful! Thanks guys xx
Mary has said, YES!! 😊
❤️ sweett. I’ll be waiting for the notification !
Hey Noelle, here it is :) ruclips.net/video/7v9VPGjwrFU/видео.html
You had me all the way before skincare products lol
I’m just seeing this now. Wow ! Thanks Mary!
I want to start auditing my time, but not sure how/what tool to use. Could you suggest how you did it please?
A timesheet app is a way to do it. Good ones include “Harvest” or “Toggl” or “Avaza” etc
Really liking the content! Need to get back into my passive income!
I have a few videos on the subject 😉
I agree with all that you've said, but I will say a good affordable holiday once a year is good for your health. All the rest is spot on
Definitely yes to holidays if you're not doing it in debt.
Love the content of your videos. So informative because of you I started YT and now thinking to do another online job as my second income. Thank you
Thanks, Jheng! 😀
The one I definitely got good with was the juices. I hated water, so I always had to drink some type of juice or drink. But I saw the utter waste of it so I started with tea or lemon and berry water and now I even just drink water. If only I can apply this same principle to the rest of waste in my spending. I will do it! 💪🏾
I see You have books behind you guys! Maybe can recommend some good read ? Maybe make video about this? :P
Sure! About what topic? We read quite widely on specific niches.
@@TheHumblePenny personal finance and investing for UK residents. There are a lot of books out there for US and lots of info is unrelateble ! Thank You for responding!
We also just quit upgrading and now have sim only £25 a month from £85 for upgrading! 😳 winning all the way! First the car now the phones 😊👍🏻
I had the note 3 brand new until 2019..no damage whatsoever n finally was happy to upgrade to the note 10 plus. Dropped that fone possibly a 100 times 😅 but it remained functional with no screen damage at all!
Great video, you've really raised a great challenge with regards to TV watching. I'm going to think differently in 2020. You should get a iPhone X or XR.
Thank you! Let us know what changes you make on the TV front :)
New subscriber. Well done both. :)
Awesome! Welcome, John 😀
@@TheHumblePenny
Thanks God bless you and your family.
Loved this!!! Thank you
Thanks, Hayley! 😀
Really really helpful video. Thanks a lot.
You're welcome, Ezekiel 😀
Did you guys mention coffee? 4 quid a cup twice a day 5 days a week all year round... like 4,000 pounds a year
Valid, yes!
£2080, still insane money per year esp when you add on takeaway meals, and lost compound interest...
Hi. Thanks for the great video!!I literally just went to sign up and then I saw right at the end that there is a £195 annual fee. Is that right? Or have I read incorrectly? Thank you
Hiya! Thanks!! Annual fee for?
Such a great channel. I haven't owned a TV since 1994. I only caved in and got a computer when I realised I could make money from it. Website/ online store / advertising my business for free in local groups on social media. I seldom buy anything that cant potentially make me money.
Thanks a lot! 😊. WOW, 1994!! 😯. I wish I knew about computers in the very early days.
@@TheHumblePenny Hahaha. No the computer didn't come into the house until the late 90's. I made do with the steam radio until then.
I think people just have to think out side of the box for FREE entertainment. As a student funds are very limited and have to budget everything.
All we need is the internet now and the basic bills pay off first. Normally there are always FREE things you can do online one just have to do some research.
Apps are very help now where there are so much FREE streaming application that you can watch online with ads for FREE without paying anything.
I really enjoyed watching your video and learned a lot as well keep it up I also just subscribe as well.
Regarding phones, see if you really use a phone enough to justify a contract. I switched to a PAYG type deal with 1p Mobile (no affiliation). I spend so little I might even have to change that. Free WiFi is so common now that I hardly use any data and I make a lot of free calls and messages through apps like Whatsapp. I buy my phone outright and change it about every 2-3 years but I spend less than £200 each time.
Thank you! I like the point you made about the availability of free WiFi in most places. Especially as most of us have WiFi at home and at work. So the only need for ongoing data is on the move, which doesn't need to be that much as there are more interesting things to do whilst on the move like reading a book.
@@TheHumblePenny Yes definitely. Most of my travel is driving so I don't need data there. When on public transport I read or listen to podcasts so again no need for data and anyway trains and coaches nearly all have wifi now if you did want it.
I was just on a short city break and used some data for getting around, looking things up etc and I used 50p worth on my PAYG plan, not exactly breaking the bank.
I probably need to stop watching so many RUclips vids like this 😏 I’m joking... great stuff guys 🙌🏾 super useful for a recent graduate
😂👊🏼
Hi Ken & Mary
Can you please send me the link to Mary’s meal prep ideas
Hi Nikki, It's in the notes to the video.
Also here:
thehumblepenny.com/healthy-meal-prep-ideas-easy-recipes-30-minutes
Just found you, catching up now. Can you tell me where I can get a 7% return on my savings please?
Hi Mandy
I'd recommend watching our investing video here:
ruclips.net/video/u4n8f-YL5_I/видео.html
Keep your old phone with its memory card as a digital photo book, copies of important documents, and contact info if you loose or damage your new phone.
Powerful!
Thanks for this video it’s very informative and I’ve learnt so much. I subbed after watching this - great content. P.S. Mary you look gorgeous. God bless
I’d have bought a replacement screen from eBay and had another 4 years out of it. My iPhone 5c had 5 screens and had it for 8 years
is there a video on how you made your own beauty products ?
Mary’s hair is absolutely beautiful! Sorry if its a misplaced question but kindly advise the hairdresser please please 🙏
Hey Trish
Thank you! 😍
Belle & Spa (Woolwich)
The Humble Penny Awesome! Thanks a million for sharing Mary. I will definitely pay them a visit 🙏
Finding it really hard to concentrate on this video all I can think about is the colour of Mary’s lippy! I know it’s nothing to do with the great advice but please can you tell me what is that lipstick brand and shade is 🙏🙏🙏🙏🙏🙏🙏💄💄💄💄💄