Frugal Living we need to normalise & Celebrate!
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- Опубликовано: 4 июл 2024
- Some aspects of frugal living can appear odd to outsiders. We need to make them the new normal!
Frugal Queen in France
We are a British couple living in Brittany on a budget.
Frugal recipes, days out, home renovations and day to day making do in France.
We’ll give you hints, tips, advice and an insight into our life in France.
Website www.frugalqueeninfrance.com/
Instagram / frugalqueen. .
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Editing : iMovie on a Mac mini
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Hello Jane 👋 from 2007 to when my children moved out to get married, we lived very frugally because I was a single mom. Anything that came up, we tried to make it ourselves, thrift etc. Just the other day my young son and I were talking about those years. We both realized we wouldn’t change anything. It taught us all so many skills that are essential to living a ‘good’ life. Others looked at us and thought we were lacking everything. Nope, we were happy, safe, well fed, clean and had everything we needed. Even though it was a difficult time, it was also a massive blessing. Thank you for the encouraging words today. Sometimes worry can bog us down. But if we count our blessings, we’re all super rich. Take care, Janina from Ontario, Canada 🇨🇦
Thanks for sharing your story
Loved that❤
I like being frugal. I have 7 months of grocery sinking funds, 2 months hydro (electricity) paid in advance, 9 months of emergency living expenses plus 3 months of buffer money, a healthy retirement fund and a nice investment portfolio. 97 % of my furniture is second hand, gifted or thrifted. I am debt free. I have been able to do this on a lower fixed income (disability). This year, I will reach my biggest financial goal ever, if all goes well, by June. Just this past weekend someone laughed at me when I said I budget only $100 a year for restaurants..I just grinned back. Great video!
You keep i up
I think a lot of people don't understand the difference between being frugal and being poor. To me, being frugal is voluntary, and gives you room to maneuver financially. Being poor is not voluntary, and can sometimes make it very difficult to even manage everyday life. I've been poor. I much prefer being frugal, so I hopefully don't ever have to be poor again. It's strange to me that being frugal is often looked down on, while drowning in debt is seen as normal. I agree that we need to normalise and celebrate frugal living.
Thanks Jan
Well put Jan!
I go out to eat twice a year. I take my daughter out for her birthday and she takes me out for mine. We go to a local steakhouse that has exceptional service and high quality food. We have done this for 30 years now and it makes it very special. I have friends who tease me often about my "cheap" spending habits and I just smile because I know that every month my bills are paid, my pantry is stocked and my goals are met. It brings me peace.
You're not cheap, you're wise!
They shouldn’t be so unkind. It’s your life 🤩🤗
Thank you for this video ! My frugality brings me too many blessings to count. Because I make careful choices, I eat so much better and healthier, keep up my home and property, serve in the church and community, and have a wonderful time. I can read, play the piano, and cuddle Eddie, my kitty. And, I am thankful to many others, including you.
Thanks for sharing your lovely life
The frugality I would like to see is appreciation of and use of inherited and second hand furniture. So many young..and not so young..people demand everything brand new presumably creating debt....and waste. Reuse- and celebrate that three generations of your family have used this dressing table before you.
I agree hillaryblythe
Totally agree ! Our son and his fiancée are happily inheriting our old bedroom set - plates, glasses , etc - inherited from his grandmother and other such gifts from family members
Our home is filled with family pieces. All the furniture except our bed and sofa are inherited or second hand. I am 59 and my spouse is 61. Our house has lovely furniture.
I absolutely agree with you! I have several inherited pieces of furniture and a good portion of my crockery is vintage. Includes an edwardian sideboard and my grandmother's bureau too from 1910. I'm happy to see my own daughter's in their 30s have developed a love of older pieces of furniture that have a history to them. Older furniture is usually well made and far more robust. My daughter picked up a beautiful sideboard 2nd hand for £15! It's probably from 1930s.
What a great thought to imagine your relatives having sat at the very same dressing table! I love that.
So great to hear about you and your families enjoying inherited pieces . We do as well - linens - furniture- plates etc. I agree that it ties one to one’s family- such a nice feeling . Also , good for our budgets and the planet . Reduce, re-use , recycle!
I wish that the schools offered a financial readiness course for all students but geared towards age appropriateness. Above all the teaching of a budget with an emphasis that this will help eliminate undo stress if done correctly. Knowing that bills etc can be paid without having to choose debt is so liberating. I always look forward towards your videos. Thank you for creating them.
Thank you for watching
I supply 8 house holds with fresh produce each summer. This year I have added fresh cut flowers. Now I can spread more flower smiles. Up lift your friends and family. People are struggling. 😊❤
That is amazing & generous!
The flowers are icing on the cake.
That is awesome!p
We share a garden in our family. It’s such a blessing over our summers.
My husband and I were very frugal all our married life, we had nearly a years salary saved when my husband who was over 50 years of age lost his job, unemployment ran out, and we lived frugally on the money we had set aside in am emergency fund. We began saving in earnest as soon as he started a new job at a much smaller salary and were able to save enough for a good down payment on our first home. then began saving again for retirement. He only missed 2 days work in his entire life.A year after retirement my husband became seriously ill for the first time ever with multiple serious life threatening illness including one where he couldn’t chew or swallow and food had to be ground. We are still very frugal but at 75 years of age I have restructured my food budget for whenever he wants to eat out, I can work around it in my food budget. That was a huge adjustment on my part as I value home cooked meals from scratch and growing my own food.
🎉
Thanks debbie
You and your husband are a real.Inspiration!
The nice thing about being frugal is that you likely have numerous DIY projects at home, so you don't really have time to be bored and you will get really good at what you're doing on some of the DIY projects so that you're in a pro category all your own. Plus, when you do it yourself at home, you're creating fond memories that your family can look back on for years to come and reminisce about all the things the family did together back in the day. I would imagine people can't say the same when they run out to the store constantly because they haven't got the first clue of how to do or make anything themselves. 🙂
I don't understand boredom.
@@FrugalQueeninFrance I think boredom is like "learned helplessness" where unless everything is done for a person, that person is at a loss to know how to do it themselves, so they think they can't do anything at all. The person hasn't learned how to use his imagination and apply it to reality in his own environment. Bored people don't know how to think "outside the box". To bored people, the glass is always "half empty" rather than "half full". 🤔
You are totally right! When my children were small, I took them to „my school“ (my workplace), gave each of them a jigsaw and some wood and we as a family cut out the christmas tree decorations. It was a wonderful sunday and the memory remains - and so does the decoration.
@@monikagausmann897 Those decorations must have been very well made. You certainly got a lot done on that Sunday.🙂
Such a positive, uplifting video! We certainly seem to be marching to the beat of the same drum. I celebrate our frugality daily, and it has taught me to also have gratitude, for I have learnt that I already have everything I need, and gratitude for the skills we continue to learn as we strive to live a more frugal, sustainable and peaceful life. I get a huge amount of pleasure from having a delicious, nutritious home cooked meal every day, and never eat out. We certainly don't feel that we're missing out, instead we can direct the money saved from eating out into buying seeds to grow our own fruit and veg. That, to me, is far more satisfying and a longer lasting buzz feeling than a flash in the pan meal out somewhere. However anyone chooses to prioritise their frugality, it's definitely worth celebrating. Peace of mind is priceless 🎉❤
Your last sentence is perfect!👍
I married in 1970. My grandmother told me. Always have a five pound note in the back of your purse. (A weeks house keeping in them days) my mother told me. If you can't pay cash for it, you can't have it. In other wordd, save for it. Not bad advice to a young 18year old me.
Great advice
I was married in 1973. My Dad told me to always keep a $50 bill hidden in my wallet so I could pay for a tow truck if I needed one. Because it was a $50 bill, I was unlikely to use it just to buy a Coke or something. Good advice.
I believe it helps to not be continualy led into consumer mentality. We used to be seen as citizens not consumers. So celebrate being you. Love your channel Thank you 😊
Great point
We eat out once a week. It is something we enjoy and I work it into my food budget. Paying myself first ( sinking funds and savings) allows the freedom to pick and choose how I spend my money.
Good for you
When I recently told my 5 year old granddaughter that I don’t like to go into store’s needlessly ( she wanted me to buy chewing gum), my 5 year old grandson looked at her and said “Mimi” doesn’t like to waste money. I think he’s got it.
I agree about not needing to go out to eat all of the time. However I think it makes a difference if you live alone. I get great pleasure going out just for a coffee, people watching, company of being amongst people. I only have black basic coffee so do not spend a lot. I do all of my own painting, decorating, growing some of my food etc. so I can cope witj a coffee out. Most of my clothes and furniture are well over 10 years. Some furniture is from my grandparents.
Thanks for sharing your perspective
I've lived alone as a frugal senior for years and that type of small social interaction does a lot for my outlook. I go back home and enjoy the rest of the day in productive solitude except for the company of my sweet cat, and I never feel lonely. I budget for the almost-daily expense, and it's well worth it to me.
Use it up, wear it out, make it do or do without. I really live by this rules and I feel they should be normalized😊 lots of love
I totally agree!
I like that expression!👍
" LOVING EACH OTHER " the best !
We all need to take time for that and it's free
Love the hair
Me too Janes hair is beautiful and I love seeing it down
@@juststoppingby390Jane
Love this video for its positivity and "go us" attitude. There's definitely a need to celebrate a frugal approach, including the very little wins. Thank you x
Absolutely!!
My no spend year absolutely changed my life. We were already debt and mortgage free at that point. But the no spend year taught me to make do in every category. I agree with this video 100%
That’s great to hear
I watched my parents struggle from poverty caused by bad health, and my in laws living grand lives because they were frugal all their married lives. I have lived in poverty in my own married life and then became very frugal as we earned more money with my goal of living comfortably like my inlaws. Poverty can never be normalized, and I feel so horrible for those who have to live that way. Because of the higher income now and our frugal lifestyle, I am able to donate money, food and other essentials to those less fortunate. That is the part of my life I am most interested in normalizing. Living generously. Great video Jane and Mike. You are both an inspiration.
Thank you
Jane and Mike, what a brilliant video! I love that you present frugality as a choice to celebrate. I am celebrating that in 2023 I paid off all my credit card debts (after having them for 20+ years). I am celebrating that in 2024 I brought my overdraft to zero and started saving every month. I have changed my attitude from wanting to have more "things" to wanting to have money in the bank. I homeschool and I am teaching my 15 year old son to have his own income (we have a dog sitting business together), budget for what he wants and save at least 10%. Sometimes I despair because I feel like I started too late (I'm in my late 50s) and that I can't make sufficient progress but then I remind myself that the skills of budgeting and living below my means are skills that will serve me for the rest of my life.
I'm so proud of you
You remind me of The Tightwad Gazette and I love it!
That’s a great compliment
I do wish the schools would teach budgeting to our young. I was bought up by careful parents who accounted for every penny and never bought a thing unless they had saved up beforehand. One of my daughters desperately wanted a silver bag when she was 7 so we asked the shop keeper to put it to one side and my daughter took in two pounds every month (pocket money) till it was paid for then bought it home. What a day of silver bag celebration that was and a great lesson learnt! A very understanding shopkeeper too😊
A good lesson
Good for her teeth too as she was so focussed on saving for her bag that she didn’t bother about using her precious pocket money on sweets! Thinking about it, planning on how use your pocket money if yiu are lucky to have a little when yiu are a child helps lay some foundation for budgeting.
I absolutely love this video. Living our lives without spending money
Thanks
When I went on monthly pay at eighteen I divided my pay by five this meant I saved one fifth of my salary eight months. The person who trained me and a few others suggested we devide our pay by the number of weekends in the month, I decided to divide my pay by five every month.
That's a great tip, thanks
One of my friends and I share no spend weeks or months and we started exchanging items garden seeds and crafts items, when one has too much and the other needs it, it gets shared and used up rather than sitting in a cupboard for years, makes those times easy and fun, can also be done with clothes or food swaps.
Great tips
Bravo! This is one of the best videos I've seen! Eating from home is one of the most frugal things we do. Also, I have friends who say that no one buys a car cash. Well, frugal people do!
Oh yes we do
When hubby retired, we got him a really nice grill. Stopped going out to eat at that point after a few disappointing steak dinners. For a reasonable cost i can get ribeye steaks, 2 baking potatoes and a bag of salad and we are good!
That is awesome!
My husband and I have eaten many many times and I always wondered: wash the salad stuff really washed??? did the sous chefs wash their hands????, it was served cold, served with no butter or whatever, how long has the soup been in the kitchen? food tasted old. At least if I cook, I have answers to all of those questions.
Restaurants cook for profit, a home cook cooks with love
Hi Jane and Mike, I think people could really do with more restraint and also the courage to not be embarrassed by saying 'no'. Let me give you an example, I was a very stressed teacher and planned a career move over several years - preparing by living below my means, paying off debt and paying in extra to my pension. I finally took the leap at 45 this year and got another decent job (less money but WAY less stress and opportunity to progress). Anyway, after five months, we just found out there might be redundancies! I immediately put two trips I had planned on hold - one of which was with friends (a mini break to Lisbon in June). I told them the truth and said that, if I keep my job, I'd love to go but I needed to think about money right now as I may end up job hunting again. Yes it sucks cancelling but I have been in the debt cycle and that sucks even more! 😩 Thanks to my savvy financial planning in the past, if I do lose my job, I will weather that storm fine, until I get something else. LOVE the channel guys - apart from my sister, nobody else in my life embraces frugality so it's nice to have your videos to not only educate me but also inspire and entertain. All the best from sunny Manchester! 😁
Well done you! It's the right decision.
YES budgeting should be taught in schools starting at a very young age. My parents started me off before I started kindergarten with a piggy bank. Save some, spend some, and some for church. I see being furgal as normal and those who live off credit as reckless. Jane just think of how many calories, sodium and chemicals we avoid by eating at home! Wonderful video as always.
Thanks Gail
Because I've been watching your channel for about a year now, we have managed to put Sinking Funds into place for many things. It's allowed me (I'm the bill payer and planner) to save for things we are now able to buy and pay for without raiding savings or using credit. We are just paying cash out of our monthly budget. It feels GREAT! Thank you for all your inspiration and support through your videos!
Thank you SO much for sharing your journey
I would like to normalize and celebrate having “just enough clothes”. I have never been a “clothes person”, but now that I’m retired, I really don’t need much variety at all. I want to be clean, comfortable, and appropriate to the occasion, beyond that, I don’t really care. Mostly I live in jeans and knit tops, with black pants and nicer tops for church and “meetings” and a handful of dresses for “dress up”. I probably don’t buy more than five pieces of clothing a year. It makes life so much easier!
Me too
Hello Jane and Mike. You have echoed my sentiments exactly. What you have said so eloquently is what I also practise.
One of my favourite sayings is “What gets measured gets managed”. This is a quotation by Peter Drucker. It’s such a short sentence yet it speaks volumes.
It certainly does
We like you only ate out on Birthdays and a few other occasions I can count on my hand the times we had take away. We are now 83 and 74 and have enough money to eat out once a week, we have been frugal all our lives and now are enjoying a few luxuries, because of our frugal life we have a good retirement. No spend days are normal we buy what we need. My daughters got married less than a year apart I could mot believe the prices of mother of the bride outfits, I bought one outfit in Spain and the other in South Africa at small boutiques, so there was little chance of someone else having my outfit and if they hadI would have congratulated them on their good taste.
I love your story Moira
In Australia we have an offset savings account. Whatever we have in that account is how much you don't pay interest on your mortgage. They don't apply the actual savings, that remains untouched. Every month I get to celebrate not paying interest on my home loan because we finally have more savings in the account than what we owe on the house so we pay no interest so our full payments go to the loan, no interest added
Go you!
I shopped with my neice recently she has 3 kids under ten. A third of her trolley which was full was 'junk' food. Scary how this is normal these days
Sad she wants to shorten their innocent lives!
A home cooked dinner is the highlight of our day. We love to cook and eat the best quality food we can get, which is always a fraction of the price of eating out. Like you we eat out a handful of times a year. Quite honestly eating out is so often a disappointment that we even take picnics and good coffee on a car trip. We know what we’re eating and how it has been prepared.
We agree
Luckily, I live in a small town within walking distance of everything and am healthy enough to walk everywhere..... because I have hardly driven my car all winter! I have been saving up for the 4 new tires that I need to buy. Next week, I will have enough cash to pay for them.
That's a great win
I used to be a shopaholic and had a lot of debt. One day I just turned a knob in my head and changed. I paid off all my debts and I never felt as happy as when I got debt free. Now that I don’t have to pay debts anymore I started saving and every month I put a certain amount in my savings and if I’m able to put even more into savings at the end of the month it really feels like a party 🎉.
Enjoy the party
I agree with everything you have said from teaching children from when they first start school to frugality being celebrated. My most memorable money moment was after 2 years of determination, perseverance and hard work, I payed off our last bill by burning it over a bowl of water, with our children watching to show them, and tossing it in that bowl, it was a great feeling of peace to have that burden lifted. Thank you for your inspiration over the years that I have been watching. For those of us who are interested, we are here waiting, listening and doing our best.❤️
Hello Jane, I have just discovered your channel. It is a breath of fresh air. I have learned so much already. I must also tell you that your videos cheer me up to no end. Going through a tough time at present so when I tune in to you I always feel better. Thank you 🙏
Thanks so much and you're so very welcome
First, your hair is lovely! A friend and I was talking about not wasting food, she said they don’t do that her house. She is quite wealthy so it’s not that she can’t afford it- it’s the waste and yes also the frugal factor. Budgeting is as DR says “ telling your money where to go instead of wondering where it went! Yes, budgeting and money skills is something that should be taught in school. That’s a subject that you use Every day- unlike some of the mandatory classes that are never used again when they finish that class. Such a great feeling at the end of the day to feel accomplished and… you didn’t spend a penny.
Thank you
Just booked my holiday to France. We didn’t go last year so we are spending a bit more this year. Taking my picnic rucksack and cool bag to fill up at the supermarket so we don’t need to eat in restaurants all the time. My preference actually. A baguette, round of Camembert and some tomatoes tastes wonderful when you have beautiful views in France.
Absolutely perfect, enjoy your trip
Your hair looks particularly beautiful today! I grew up in a family where my dad was paid on commission. Some months were lean. My parents woukd do the budget by my mom writing on the back of an old envelope what the bills were each month. SadIy they never made savings a priority. At least I had a foundation of budgeting although in my 20's I didn't save and actually overspend on credit, I turned it around and before I had my stroke I hsd amassed a decent amount in retirement savings. I found a wonderful financial advisor who has helped me by managing my investments and growing them so once I do need b to access them I will be in decent shape. Fortunately I switched from ac30nyear mortgage to a 15 year loans my house was paid off shortly after my stroke. I know I will always have a roof over my head. Frugality is a necessity for me but I have changed my mindset to look at it as making my money work the hardest for me.
Thanks for your feedback Rosemary
Once again, a very helpful and inciteful video! My husband and I are retirees in our early 70s and are so pleased to have made friends with thoughtful, and caring people. We all bring a lifetime of practical experience and skills to a very fun group. I love how we all pitch in to help with medical issues, home difficulties, relationships gone sideways and financial bumps in the road. For example, one member developed severe sensitivity to loud noises, and another has many dietary restrictions, but these presented no problem to the group. We share potluck meals at each other's homes and have been known to help out with housework prior to eating when one member was recovering from surgery and couldn't travel. Restaurants hold no appeal to us, so I'd say we've normalized not going out to eat.
Thanks
Many years ago my economics teacher said "always pay yourself first" and I have lived by that most of my life, when I would get my paycheck I'd go to the bank and put it into savings.
Very wise
This is one of your best messages ever! Well said Jane!
You’re welcome
Eating out is so expensive anymore that it doesn’t make it enjoyable now. I feel that I am more critical of the food and service when I spend a big sum of money. Pretty much avoid eating out unless I have a gift card or coupon nowadays.
Good call!
Our largest income deposit is my state,NC, USA teacher's retirement. I put 20% of the monthly income into saving then. It goes into different sinking funds for 1 year. The rest is put into the weekly budgets. The only dollars I don't track are what we each take for our weekly "allowance".
I’m so appreciative of your encouragement Jane and Mike. I’ve been doing so well with my budgeting and saving recently, I’m feeling quite proud of myself and you guys have been a great influence on me. I’ve been thinking a lot about going without, making frugality the norm and it just makes such good sense. Between debt repayments, saving for university for our daughters, mortgage overpayments (hopefully in 2 years time) and then retirement there will never be a time when we can’t be frugal. A lot of what you’ve been saying over the years has really made an impression on me and I’m feeling a bit more hopeful about our future. I’m returning to teaching soon and the whole of my income will be going to debt repayment, I can’t wait. Thanks guys x
Thanks Michaela, I'm right behind you
Thank you, I appreciate that because it can feel quite lonely being on this path sometimes x
@@michalaharesnape5434 you're not alone, we might be a minority but we're here
Right, you’ve got me in tears now. I do appreciate your support, it can feel lonely and isolating because people don’t like to talk about money. Even my husband doesn’t always want to hear about my little wins at the supermarket. I’m trying so hard to make up for bad decisions in the past, I’m doing everything I can at the moment, so it’s so good to feel like there’s you guys and the rest of the frugal community on here who understand where I’m coming from x
Wonderful episode . Your are right in all counts !
Thank you
Exactly! Thank you Jane Mike and adorable Puppies.
Thank you for watching
Spot on! Jane !! We do forget to celebrate our frugal skills and habits! Loving your channel here in Surprise, Arizona! Thanks to you both!
Yes! Thank you!
Very good video - as always! Thank you for being so positive about being frugal.
I still work full time but I started living off of the ammount of money I will get, when I‘m retired.
Some of my collegues and I do „ride sharing“. So I don‘t use my care more often than once or twice a week. It doesn‘t only save money, the ride is so much more enjoyable than driving alone.
Lift sharing can make friends for life
Very inspiring! I can’t believe that at my age I need someone to tell me that some of your tips are all right. I didn’t think I was still subject to peer pressure!
You can do it!
Theres no better feeling than knowing ALL my basic needs are being met. These small things are what makes me happy. I have friends who reapect how I live and our get togethers include being frugal. Today may look a little thin but the future looks bright :-)
Here’s to a bright future
Frugal living is stress free and very rewarding! A most enjoyable lifestyle! Thank you for all your encouragement.
So true!
We should normalize "Live within your Harvest" I was given a refrigerator magnet about 20 years ago from a coworker with this phrase. I keep it on my dresser and try to live it everyday.
I like that
Another great video! It is incredibly important to normalize saving! I had a friend who was financially reckless and would judge me for being frugal. At the same time, she would constantly borrow money from me and would need reminding to return it. Once, she went as far as getting upset because I refused to take money out of my credit line for her! She made significantly more than me.
Surround yourself with people who will support you in being financially responsible!
Needless to say, this person is no longer in my life and it’s one of the best decisions I have ever made! Thanks for the video Mike, Jane and puppies!
Blimey, that’s not a friend
We're the most fiscally responsible people on the planet, and so it follows that we are truly well off. We're the oned who've made it to 'normal!' Hooray! 🎉
Love that
I love the idea of celebrating frugality! I wish people would normalize making the most out of every dollar/pound/euro..just really using discernment before spending. This has helped me to economize without feeling deprived. It’s so fun and I wish I could talk to more people about it. Love your channel and the community!
And you’re welcome
I wish more people watched your videos, today New Zealand entered into a recession as well as the announcement of significant redundancies across the public sector (ministry of health, primary industries etc) my guess is that there are alot of very worried people with alot of debt wondering how the heck they're going to survive.
It's troubling
This is one of your very best videos. Thanks for encouraging the celebration of frugality!
Wow, thank you!
Growing up I don't remember ever eating out apart from a handful of times when my mum took me to the Wimpy, what a treat 😂
There's a memory
Hello Jane and Mike.🎉today's video is spot on.Being frugal has so improved the quality of my life. Thank you for the encouragement.my friends see me as a little odd or maybe doing without. I rent a lovely home lack nothing and have no debt that is freedom
Wonderful!
It never worries me about living on a budget, it has removed stress and and there are funds for bills etc😊
Enjoyed the talk 👍
Yes! Thank you!
Thankyou Jane for another inspirational video. I so agree with you that budgeting should be taught at school. It's a life skill.
So true!
Evening Jane and Mike well said and cooking your own meals means we know what goes in them - cheers borh
Indeed we do
We do everything that you mentioned in this video 😊. I love being frugal - I treat it all as a game / challenge.
I saw a dress I liked but couldn't have it. Two months later I found it for two euro in a charity shop. The joy and excitement of the 2 euro find could never be matched by having it new right away. My daughter got a fab jacket for two euro she's constantly complimented and she proudly says charity find. I love that
Just got.my first 1000 emergency fund. And I had my pet money saved in an envelope .one of my dogs twisted his back and needed treatment I made the appointment immediately and paid cash.
thank you for your encouragement Jane
Oh wow!
@@FrugalQueeninFrance thanks directly to your encouragement when you talked a out budgeting for pets I put money into an envelope right away as our next pay check arrived, I cut food down to an absolute rice and beans to do it. Thanks to you my little boy could be seen right away and get an x-ray which showed damage and so he got the right care. Hes feeling much better and.goes.for.his check up tomorrow so thank you from me and little Barney
Hi, I was always taught to save and generally have done that. After having to drop to part time work due to ill health a few years ago I let my savings dwindle. I was saving a tiny amount but I didn’t make frugality a priority. But now with retirement looming in a few years time I know I need to get really frugal and I know I can save for retirement, a car and still have at least one luxury holiday before I retire even on a very low income! Thank you for reminding me of all these tips! ❤
You're welcome
Hello, Jane. In 2021 we chose to move to another state to get away from crime & oppressive politics. Everything happened so fast. From obtaining working appliances, 2 working vehicles, (for -20F winters), and gradually fixing up this house…ourselves. We unfortunately incurred a debt that we are throwing everything at. Unexpected circumstances. We’re both seniors and, pretty much, on our own. Our health is good and we work on taking care of ourselves. Thank you & Mike for all your information & hard work. Kind regards. (We do have savings. 👍)
Good luck
Teaching living within your means, saving and investing was a priority for me raising my daughter. It won’t be taught in schools sadly the powers that be want us indebted. It’s up to us to teach our children an alternative lifestyle from birth. Their worth shouldn’t be measured by what brand they wear or the car they drive.
Certainly what I taught mine!
I’ve been a subscriber since you were at approx 13k but have never commented:) But this was too good to pass by! I think this might be my favorite video…and that’s saying a lot because they are all great! Thank you! Sally in KY, USA
Thank you so much!!
Inspiring, great message 😊
Glad you think so!
Another great video I always thought a frugal lifestyle was normal! Till I started working and listened to some of my colleagues I think it’s wonderful if someone makes and mends things themselves. Both my husband and I will always help if they need it. So yes celebrate being frugal it’s a great way to live 🎉
I forget sometimes that it's not normal
Thanks for this - there are days I question our frugal ways - you remind me why we do it . Much appreciated Jane and Michael
Our pleasure!
Background music is distracting. I love just listening to you.
Hello from Romania. Once again, 👋👋👋👋👋👋👋🥳💗
Hi Laura
You, my You Tube friend, are a great teacher! Thank you.
Wow, thank you!
Yes, frugal living should be normal. ❤ 🇦🇺
Great idea to verbalize and normalize frugality and budgeting. Really people talk about everything else (sometimes things I don't want to hear) but refrain from discussing that great taboo money. Speaking of restaurants and quality control in general: it seems to be on the down side. There are only two restaurants left for me. The others have decided against quality food and I have decided against patronizing them. (A friend comes in to visit once a week and always wants to go out to lunch. Instead I just make him lunch at home.) So there you have my 5 cents worth. Thank you both for the videos. Judy
Speak away
I was so happy to have found new smaller grocery stores this week that have allowed me to spend under my grocery budget easily this week. The city where I live only has big box stores and not small family grocers... but these ethnic smaller stores are starting to 0pen here, and you should have seen the parking lot... not one parking space for 20 minutes or so because the people are just desperate to save that food budget money. I am so thrilled that I no longer have to dread grocery shopping... but no matter where I look Olive oil continues to be priced like gold...
Thanks
Hi Jane. I thought your words of encouragement were a blessing. I grew up in a single parent household after my father died when I was 8 yrs. old. Mom worked two jobs just to provide for us 4 kids. So I learned about finances and thrift the hard way. I've lived to tell the tale of screwing up then undertaking the cleanup afterwords. I sometimes wonder how far along I'd have been with a mentor. Still, I'm only too happy to impart any pearls of wisdom when asked. Your previous stories about having parents available to explain things to avoid a future crash were priceless. Keep up the good work. It's much needed. -Pat
Thanks Pat
I required my now adult children to learn how to cook both the girls& the boy, my son balked I said Whoa! You like to eat,right? Then you must kesrn to cook! His lesrnung to cookincluded kesrning to grill out doors. In college one day, he came across 2 international students hauling a like new BBQ to the curb before trash day he stopped in the middle if the road & asked uf they were throwing it out, Yes, they were flying home the next morning,they helped him load it in his vehickle, they had used it twice to nake american bbq.my son & hus roomates enjoyed thus grill for the next few yesrsthey discovered several grilled burgers in the fridge made quick and easy snacks& meals between classes& work.I think many kesrsvlater he still has this grill, it has mived with him since college.😊
hi its tina and peter we agree with not having meals out just a family time you are right we do have to see what we have and enjoy life you do need to save in the pot try not to spend spend all the time thank youboth
Thanks Peter and Tina
I rarely eat out too. I wish I could prepare you a favorite meal. I do not feel like I am missing out .
I love to follow your channel too MoneyMom. Thank you for all your thoughtful advice 😊
I agree Dawn, I wish we were neighbors, we should Skype each other
Very well put Jane!
Thank you kindly!
Love love love this video!! Like a warm hug of acceptance from you in this world that doesn’t always accept frugality. We are seen as strange or weird. We are the smart ones though. We did Dave Ramsey and are totally debt free and we arent going into debt ever again! Live like no one else so you can live like no else. I think thats what Dave R says! 😁Thanks Jane ❤️❤️❤️
So did we, that’s why we are where we are
You have beautiful hair! I wish mine were so lovely!
Thank you so much!
Wonderful post! We all have so very much to be grateful for!
Yes we do
Hello from Colorado Springs, Colorado!
Hello to you too
This remoinds me of the 'loud budgetting' that I have seen in some media. I need to read up on it more....
It does indeed
❤
We have lived an incredibly frugal life. At 38 years old I have retired from work and stay home with our two small children. Mortgage will be paid off next year. No other debt. I feel like a millionaire x
That's wonderful
I agree with you Jane,my hubby and i make a game out of being frugal and eating more at home .We try too see who can come up with the best recipes and the best sale prices for food .Very rarely eat out and I dont feel im missing out at all.
You can do it!
👍👍👍
🎉👏😘👏🎉👏🙏👏🙏🎉😊🥇🎉. Thank you both for such wise and joyful advice 😊
Our pleasure!