Your first video about this, is the one that made me call to get our mortgage refinanced, my husband’s truck refinanced, cut cable, got a Roku box, renegotiated my phone bill, started budget billing with our electric/gas company, and cut out unnecessary subscriptions! Thanks again for the video.
@@hoosiergirl206 with the mortgage saved 40k in interest which is $111 a month. Interest rate is 3.25% Truck payment saved almost $300, still paying $50 extra towards principal each month. Interest rate is 3.77% Saved $1,600 a year getting rid of cable only kept the Wi-Fi. Cell service for two phones is $110 a month. Budget billing for gas/electric is around $170 a month. I did keep my Amazon Prime for $6.99 a month. Hope that’s helpful.
@@Janiece1077 that's awesome! Good for you and thank you for the reply. I'm thinking about refinancing my mortgage. This might be the motivation I need to look at some of my other bills too
As an older person brought up poor I can vouch for all Princess' suggestions. I'm still healthy, paid for my children's educations. Paid off all homes, autos and have only one credit card that we pay off every month in full. Fully stacked, stocked and loaded. This is not a brag in anyway. Listen, learn and just take the 1st step. It works! I sleep like a baby and can't wait to see each day.....even if it isn't good news.....figure out how to make it so! Blessings to All!
Such a good video. When we were paying off our debt my husband concentrated on the BIG and I concentrated on the little. Together, we were a force and is why we were so successful. We did all of the examples you gave. Thank you for educating people in such a straightforward way. 😊
I absolutely love these videos. They are inspiring and I feel energized and pumped after watching. So much value here. Thank you for inspiring so many.
We downsized and bought a duplex, rent the bottom apt out, moved in to town so we can walk or get a bus/cab, no cable, my pay as you go cell phone $100 a year. Make everything from scratch, don't order in, we live in Canada so no medical, thrift store shop, have a pool so no vacations needed, love to be frugal but not cheap 😉
I learned my lesson in 1999. I filed bankruptcy and have stayed debt free since. I use my credit card to pay bills and ect with & pay it off every month. It may sound stupid but I am scared 😱 to get into debt. It makes me nervous 😓. I have also cut out eating out all the time. That made a big difference. I can make my own Olive Garden salad and Taco Bell Tocos at home for about 1/8th of the cost at the restaurant.
after years of using homemade laundry soap i went back to tide and there is a huge difference; however i throw away that huge scoop and i use 1 T of tide in every large load with cold water
OMG!!! I just about peed my pants laughing!! You are so right about that Roku box, and Smart TV's with Roku built in are so cheap now. As you know, I'm on a fixed income, but by cutting costs I'm managing to pay an extra $100/month principal payment on my mortgage. Also, whenever I get extra money (yardsales!!), that money goes to another payment to principal. Every little bit helps!
I feel blessed that I don't own a car. I live downtown and walk to my office (it's a 20 minute walk). We also have a very reliable subway system in this city. Before the pandemic I found it cheaper and easier to occasionally just rent a car whenever I had to drive somewhere out of town.
Great video. Just got a free box of spinach about 10 lbs. Put in the effort to freeze them. Took a about 2 hours to cut, clean, then dip them in hot then cold water. I’m currently on maternity leave so I have the time. All that to say is if I ever need spinach I’ll get the $2 in the frozen section. Still learned a valuable lesson. Freezing veggies is time consuming and I will never again let any veggie go to waste.
No cable. We haven't had cable in years. My dryer hit the skids years ago. Credit cards? No. Car payments? No. Mortgage payments will be gone in less than 4 years. We cannot wait to unload that mortgage, so we're making double payments which started happening after we paid off the car. Hubby and I ride share. My husband's insurance covers both of us for $18/month. At this point I follow you for affirmation. Thank you for that!
@@SaynabYusuff Clothes line. Climate doesn't need to be super warm in order for a clothes line to work. I'm in Pennsylvania. It's chilly. Rain delays the drying, but it dries on the days it doesn't rain or snow.
Excellent! I live in the north,-28F is the lowest so far, and I’ve never had a dryer! The clothes freeze solid and dry in 2 days when it’s super cold. No cable, and I heat my water with a solar panel.
Bless your washer has a high spin rate that removes most water, I would look into getting one of those spinners on Amazon, like they used to use for swimsuits. Then, clothes are almost dry and should dry out very quickly no matter what your climate.
If you're in England and are on certain government benefits BT offer a reduced cost internet (and home phone if you need or want one). I saved £20+ a month for the exact same service I had before. I changed my mobile to sim only contract years ago and I pay £7.30 (ish) for 2gb data, free calls and texts. I buy refurbished mobile phones but only when the one I have stops working. Just discovered your channel PP and I'm loving your advice on being frugal. Thank you for all the excellent advice!
I used to buy: Dog shampoo. $$10.00 Laundry pods. $10.00 Dish soap. $3.00 Now I just buy the blue Dawn....this lasts 2 months and washes my dog, my clothes and my dishes for only $6.00.
We focused on food to start as pre-cov we didn’t realize how much we were spending on food/entertainment. I agree that people focus on silly things to start when they focus on getting better financially. Our housing was fixed due to laws for the past 2 years but our food/entertainment spending was as ridiculous up to 70% of our housing. A long way to go still but way better than a few years ago
this is a very practical, helpful and to the point video. Not sugar coated at all, and the reminder that I personally needed to get my stuff together. thank you Prepper Princess and Team Rocky
Yes! Watch those student loans, right from the beginning if you can. Work part-time. Get whatever scholarships you can. Go to community college and live at home if you can. Then, when you get that job, work hard. Employers may or may not be impressed by a degree from a status university, but it's your performance on the job that is really going to matter.
Absolutely no debt, but renting a 1 BR apt with no washer and dryer in NJ is the worssssst. 1,300 not including electric. My landlord would NEVER offer a reduced rental rate and I dont know of any landlord who would. Best way for me to save money is to probably just pack up and move out of this state.
To me, it's not about the dollar amount, more about the lifestyle choices that you make. If you live overall a fairly cheap lifestyle, then you'll have money. If you have a lifestyle where you spend a lot, you'll have less. It's more about the mentality and the decisions follow after that.
I have a friend who buts cheap stuff at the dollar store all the time. She ends up with a bunch of broken junk she has to replace often, from brooms to flower pots, but she convinces herself she's "saving" because it was cheap to begin with. In the meantime, I'm using my $6 broom for the 15th year.
@@ccrbonline1752 it’s all about quality too. There’s an analogy about a person who is poor and needs good working boots, they buy the cheap ones because that’s what they can afford. Over time it ends up costing them more because they have to constantly replace them vs if they were able to buy the better quality more expensive ones. I have a couple of super frugal friends who give me hell because I’ll make big purchases or buy the more expensive thing. For me, it’s about quality. I research. For electronics I’ll ask my brothers to help me make a decision. For example both me and my friend bought our TV’s at the same time. I opted to buy a TV that was about $800 and I got the protection plan. I’m on year 4 and it’s perfect. They bought a same size TV for about $500, they had to replace it 2 years later (had they gotten a protection plan it would been covered). Bought the same TV for a little more this time around and just told me that they have to buy another one because this one has crapped out. So in 4 years they’ve spent over $1000 on TV’s because they went for price vs quality. This relates to everything big or small. That’s not to say it’s not smart to buy the cheaper option (buy generic, shop discounts etc) but sometimes being cheap (also different if you HAVE to be vs choose to be) ends up costing more in the long run. If I had to say my top 5 things to never be overly cheap on: insurance (the price may be lower but the coverage could also be trash and not cover things. I know some personal injury attorneys and not having good insurance can be detrimental) food, vehicles, electronics and clothing.
I live alone. I saved so much money downsizing from a 3 bedroom to a 1 bedroom. I just bought a sleeper couch for guest. And since Covid hit I don’t have company anymore.
Oh man I love this topic! Y'all. START WITH THE BIG STUFF. Who cares if you're save $2 on frozen pizza when you have a $500 car payment! Look at housing, look at ALL your insurances, alternative transportation options, and cut cut cut.
For me, the big stuff is the things people often can't cut where I live. We have a 10-year waiting list for low-cost housing and insurance goes up every year whether you like it or not. I have company health insurance but the deductible is up to $7000 plus a 12% copay and it goes up every year based on age going up. House insurance goes up as the assessments of the house value increase every 2 years. I don't own a car but I have friends who are elderly who live a few miles away from a bus stop and there are months in the winter where the snow is so high that they can't walk on the street to get to it.
Thank you for this video. You've really changed my life over the years. I remember when I first discovered you from your 'this is poverty video' and I've been hooked ever since
You are SO right about student loans. I got ina mess 20 some years ago and missed 5 student loan payments. I doubled up on the payments and for 6 YEARS they took every dime of my income tax refund. Wish I'd gone to a trades scho instead. I only gained $1.00 an hour on my paycheck.
Some of the things I do have to spend a bit more on; like I'm allergic to the sulfites in some foods and shampoos. It's better for me for cost and health to just buy the higher-priced and better quality item to avoid all the repercussions. BUT, I cut corners and am more cost-effective in other areas. I've been making my own laundry soap for years. It's crazy cheap and have taught my family how to make it themselves also. Given how toxic store-bought cleaning products are anyway, it is so much more cost-effective to DIY AND better for the health. I've learned to make "luxury" items by simply buying in bulk and saving a ton of money making everything myself. Then, those DIYs make for great gifts too! WINS all around.
Sometimes coupons tempt you to spend more money than you would have if you didn't have coupons in the first place. Such as getting a bunch of pizza coupons in the mail and then spending 40 or 50 dollars on pizza over the next week.
Excellent video. I lost my wife last year to cancer. I have our house fully paid, 2018 Checy equinox all paid, and I get a pension. Now I want to build up.
I just love ❤️ you & admire you for being so young & realizing what’s really important in life!! Thank you for your videos!!! 🤗🦋😍 Keep them coming!!! 👏🏻👏🏻👏🏻
I stay away from salons and do my own spa and beauty treatments, i cook my own meals and juice alot instead take out/dine in, I buy several products that can each be used in several different ways and they last for well over 6months; examples: white vinegar, baking soda, coconut oil, castile soap, essential oil. I source FREE stuff from Craigslist, Facebook marketplace, or on the sides of road...I dont eat meat or dairy and I dont buy bottled water.
If you want to pay your debt, do not pay for budgeting apps. Many free options to budget! I've seen many people paying for companies up to 99 dollars a years just to budget.
Princess, that's why I drive a 24 year old car! It'll be paid off in January which will save me $138 A month but I plan on putting that into a separate acct for when I need to replace it. So after next month I'll be debt free including my mobile.
Coming from someone who has a parent who works for a personal injury attorney the only thing I would say is make sure you understand the risks of reducing your coverage to liability only (only can be done if you own the car). If anything make sure you have uninsured/underinsured motorist insurance, because if you get into a car accident and the other person only has liability and your bills are more than that coverage, you would either be on the hook or have to go after the individual and good luck. Also most liability doesn’t cover things such as if you would need a rental. Liability will cover if you are at fault (unless the other persons bills are more than that coverage then it’s on you), but there’s so much that full coverage covers that liability won’t, from rentals to car theft to damage due to weather etc. All things that you would be on the hook for. I would always recommend having Personal Injury Protection (PIP) because if you have to miss work, liability only (theirs or yours) won’t always cover that. As my mom told me (I live in a state where car insurance isn’t tied to the DOL) I have to make sure I have enough coverage to cover the fact that the other drivers don’t. Came in handy when I got into a horrid wreck a few years back.
Also with medical insurance, you can only afford to be cheap in that area if you are generally healthy. I’m lucky I work for the government and I have great health insurance that’s like $20/month. But if you have to see the doctor often, have specialty needs, take some meds make sure that you have the coverage. It’s more than just what you pay for premiums but also deductibles, co-insurance and co-pays. If you don’t see the doctors often etc, it won’t really matter.
i used the avalanche method 25 years ago and it only took me a year and half to clear debt that had been drowning me for years. i started with the smallest debts first and mentally that made me feel more in control
I didn't realize what a blessing it is to live in a country (Canada) where your medical is covered. Eye exams are covered, I paid nothing for two surgery's or emergency room visits, nothing out of pocket to see your family doctor. Total cost to have a baby - zero. Between a government plan and a work plan I pay nothing for prescriptions. I would not have been able to make it as a single parent if I had to pay $500 out of pocket every month for a medical plan. I took your advice and got a cheaper car that I paid cash for and when my cell phone bill showed an increase I called to cancel and instead was given a lower rate and the charges were reversed. I know a guy who leased a vehicle because the fully paid for one he was driving required $800 in repairs. He was willing to have a monthly car payment vs coming up with a one time payment of $800. You provide really good advice,
I have a friend who is retired, living on a fixed income. She leases cars; she would rather lease a car than buy one outright and keep the extra money in her own pocket!
We have been indoctrinated to believe we need all the cleaning/ personal hygiene products. I use baking soda to brush my teeth been using it for years and dentist always comments on my good teeth. 👍
Hi! I don't always comment but I really want to thank you as I found your channel a couple years ago and I was in horrible debt due to long hospital stays. Long story short I've managed to pay off about 8,000 in last year thanks to you and even though still away to go it's amazing how much more money I have even while still paying it off and for 1st time in my 48 years I'm hopeful when I've finished paying off I should be able to save relatively easily and I honestly think you saved my financial future security so here's the biggest thank you! Really really appreciate your videos - love to Rocky too 😊😊
KUDOS again for sound advice and share! Sadly rent is the biggest issue for me and no, the landlords around here love gouging all of us sadly :( All the BEST to you and thank you much again! Cheers :)
I think of this every time I drive past the Costco pumps... lines and lines of vehicles waiting forever with their engines idleing and burning fuel, just to save a couple bucks. 🤦♀️
Most student loan providers will work with you. There is deferment.. but as you mentioned the interest rate is outrageous etc. There is also IBR (Income based repayment). There is also pay as you go, while in school, or forbearance, that should only be used for an emergency. Otherwise depending on income do the IBR and try to pay a bit extra each month.
Spend $12k to get solar panels to save $100 a month on electricity not understanding you need 10 years of savings to pay off those panels before you actually save money.
Driving a 91 Colony Park and wouldn't have anything newer even if I could afford it. Haven't had a TV for over 30 years and don't miss it at all. House will be paid off in a few weeks. It has been a long road but so worth it.
I just got rid of the 'medical' that my company claims to offer as a perk. For my kids, I will be paying only a quarter of what I was paying for them on that plan. So even though some benefits are less, overall I'm saving a lot and have directed that to automatic savings instead.
Years ago and I was single I washed my clothes in my bathtub and use a wooden rack and coat hangers to hang up them to dry, no the weren’t. That soft but they didn’t stink
Guilty as charged! I don’t have debt but I started from the penny pinching on the bottom of the list. My next goal is to get higher on the list and cut where I can. I like how you give specific details about what you pay on each item and where to look because it helps me figure out if I’m paying too much and where to look for a different rate. I also participate in habits that are costing me money instead of saving like gardening, thrift store browsing, etc. I buy organic fertilizers, a tiller, and built raised beds which cost me more money. Buying the plants costs a lot. I also have to consider the time I waste doing things that really aren’t saving money.
Living in a small town in Kansas only 2 Internet providers saved 15/mo, cut the cable went to Roku 160/mo saved, cell service 90 for 2 lines now 30 for 2 lines 60/mo saved, total $ 235 per month to attack credit card debit. I had 8 credit cards, just like you said I found a -0-% no fee card for transferring the smaller cards on to it paid down to zero on those and transferring the last 2 larger balances to 1 credit card and beating the crap out of it every pay day. After listening to a few of your videos I finally got it, behavior changes needed to happen. Working remotely gave me the opportunity to move to a cheaper house. I was one of those that filed bankruptcy 2 years ago and was headed the same direction something had to change. I have a big hurdle in front of me now stage 3 or 4 ovarian cancer again. Big surgery coming up in a couple weeks. My employee has great benefits and have been great while I’ve had a few sick days. I still should have plenty of PTO to pay for my benefits while I’m out of office. They should teach this at each grade level after 12 years of age. Learn to save and put your money to work for you. Thank you 😊
I enjoyed your video Prepper Princess. I never heard of ROKU BOX and I will look into this now. Mint Mobile I've heard of but I gave up my cell 5 years ago. 15 bucks a month and I just might get back into it.
We were forced to take out more than we needed to refinance our home at the lowest possible interest. So, we did. We made sure there was no early repayment penalty.clause, let them extra money sit in the bank account until our payment was due, and sent all the extra money back. The banks count on you being weak and spending it all, but we did not.
Dollar Tree has an Awesome brand detergent with fabric softener (lilac colored bottle). It is $1 & works great! I just started using it & could kick myself for wasted dollars over the years.
Don't forget Taxes....The Tax Bill will be coming in January or February, turn that Bill over and read the back. The Tax Collectors list the possible Tax Reduction options, such as Homestead Rebate/Reduction, Disability, Military Service Discout, over 50/60/65 years old, Owner Occupied. I have four discounts that I qualified for. My Homestead Tax Reduction rolls over to reductions on my water & sewer. On my Sewer Bill, I receive the Homestead Reduction, Summer Watering reduction rate and Senior/Low Income discount. My city offers an additional discount for Rain Barrels & Rain Gardens that reduce storm water into the sewer systems. I'm retired and sold my free & clear pick-up truck to my son. Once or twice I drive him to work, so I can use his truck. No vehicle, reduced insurance to liability coverage. Insurance is $45 per 6 month vs. $125 per month.
Landlords around here like to periodically up your rent. I lived for 9 years in a mobile home park & my landlord was always thinking of a reason to up my rent. No way he'd be Oking a lower payment 😬
I used to buy laundry detergent, fabric softener plus the scent boosters and the dryer sheets just to do laundry. One day I ran out of the softener and booster and my BF asked "do you really need those?" and I realized that no i do not so I stopped buying them. No difference in the laundry. I still buy the dryer sheets but I'm saving a bunch of money especially because the scent boosters are ridiculously expensive and it's nothing but artificial scents. Doesn't make a huge dent but it helps. I already cut out the big ticket items.
Well right now I live in military housing. I’ve been here since January of 2020. Military housing can’t negotiate. Did look for a house put in an offer on a few but got out bid well both paid in cash. Then I found out the house’s were put up for rent and of course the rent cost is more then the mortgage in Virginia Beach. I’m glad I don’t have Student loans and I don’t have a Credit Card aside from my bank card with my bank.
Offer suggestions for low cost repairs on plumbing or other home repairs (- leaky faucets, pipe burst, electrical repairs, etc.). You can be frugal till the cows come home, but if you don't know how to do repairs, all that saved money will go into someone else's pocket when something breaks. What are your suggestions for that? Sometimes attempting a repair to save money can cost money when you don't really know what you're doing.
I agree with PP. My husband and I even RUclips our car repairs. We’ve fixed our dryer ourselves. The gauge on our well water pump tank and other msc. things. It’s saved us lots of money doing our own repairs.
@@PrepperPrincess and the pictures are useful to remember on how to put something back together the way it goes so you’re not YouTubing that too lol. Made THAT mistake once.
I am one of the people who break things whenever I try to fix them, so Carol, I am with you. I broke my dehumidifier trying to get it to work. I broke two television antennas trying to set them up. I am almost entirely finished with house updates without going into debt but I did one project at a time and paid each project off before moving to the next. Most things you can get 0% 24 months financing so you don't have to pay interest or a big price at one time.
I saved $100 per month for full coverage compared to my last car insurance provider. I had been with the same insurance company for 20 years. Never had a claim. I called two other companies and received quotes from the other two that were $90 to $100 less per month. MONTH!!!!
Thank you for making these videos, they are very helpful to me. And I'm also a mint mobile customer. I love it. Very affordable and I have the 3 month unlimited plan for $120.😁
This content should be a mandatory watch for teens and high-school Seniors and young adults.
Your first video about this, is the one that made me call to get our mortgage refinanced, my husband’s truck refinanced, cut cable, got a Roku box, renegotiated my phone bill, started budget billing with our electric/gas company, and cut out unnecessary subscriptions! Thanks again for the video.
Just curious/ maybe nosey (and if you don't feel like answering that's okay) but how much total did you save per month with those changes?
@@hoosiergirl206 with the mortgage saved 40k in interest which is $111 a month. Interest rate is 3.25%
Truck payment saved almost $300, still paying $50 extra towards principal each month. Interest rate is 3.77%
Saved $1,600 a year getting rid of cable only kept the Wi-Fi.
Cell service for two phones is $110 a month.
Budget billing for gas/electric is around $170 a month.
I did keep my Amazon Prime for $6.99 a month.
Hope that’s helpful.
@@Janiece1077 that's awesome! Good for you and thank you for the reply. I'm thinking about refinancing my mortgage. This might be the motivation I need to look at some of my other bills too
Janiece Jaye Genovese daaaaamn that a lot of money! Go you! Binging old content and finally set up my 401k recently. Yay for Prepper!
As an older person brought up poor I can vouch for all Princess'
suggestions. I'm still healthy, paid for my children's educations. Paid off all homes, autos and have only one credit card that we pay off every month in full. Fully stacked, stocked and loaded.
This is not a brag in anyway. Listen, learn and just take the 1st step. It works!
I sleep like a baby and can't wait to see each day.....even if it isn't good news.....figure out how to make it so!
Blessings to All!
Such a good video. When we were paying off our debt my husband concentrated on the BIG and I concentrated on the little. Together, we were a force and is why we were so successful. We did all of the examples you gave. Thank you for educating people in such a straightforward way. 😊
We need to share her links. So many people need to hear this!
This is the most romantic thing I've ever heard. My parents were like this. F*\/ Valentine's day (stereotypes..)
I absolutely love these videos. They are inspiring and I feel energized and pumped after watching. So much value here. Thank you for inspiring so many.
Started in August at $5550 debt, now down to $3500 on a 0 percent APR card. And I'm on a low fixed income.
Bravo!
Bravo!
We downsized and bought a duplex, rent the bottom apt out, moved in to town so we can walk or get a bus/cab, no cable, my pay as you go cell phone $100 a year. Make everything from scratch, don't order in, we live in Canada so no medical, thrift store shop, have a pool so no vacations needed, love to be frugal but not cheap 😉
I learned my lesson in 1999. I filed bankruptcy and have stayed debt free since. I use my credit card to pay bills and ect with & pay it off every month. It may sound stupid but I am scared 😱 to get into debt. It makes me nervous 😓.
I have also cut out eating out all the time. That made a big difference.
I can make my own Olive Garden salad and Taco Bell Tocos at home for about 1/8th of the cost at the restaurant.
after years of using homemade laundry soap i went back to tide and there is a huge difference; however i throw away that huge scoop and i use 1 T of tide in every large load with cold water
Dear Professor Prepper Princess, your advise is greatly appreciated. With much ❤️.
OMG!!! I just about peed my pants laughing!! You are so right about that Roku box, and Smart TV's with Roku built in are so cheap now. As you know, I'm on a fixed income, but by cutting costs I'm managing to pay an extra $100/month principal payment on my mortgage. Also, whenever I get extra money (yardsales!!), that money goes to another payment to principal. Every little bit helps!
That's great!
I feel blessed that I don't own a car. I live downtown and walk to my office (it's a 20 minute walk). We also have a very reliable subway system in this city.
Before the pandemic I found it cheaper and easier to occasionally just rent a car whenever I had to drive somewhere out of town.
Great video. Just got a free box of spinach about 10 lbs. Put in the effort to freeze them. Took a about 2 hours to cut, clean, then dip them in hot then cold water. I’m currently on maternity leave so I have the time. All that to say is if I ever need spinach I’ll get the $2 in the frozen section. Still learned a valuable lesson. Freezing veggies is time consuming and I will never again let any veggie go to waste.
No cable. We haven't had cable in years. My dryer hit the skids years ago. Credit cards? No. Car payments? No. Mortgage payments will be gone in less than 4 years. We cannot wait to unload that mortgage, so we're making double payments which started happening after we paid off the car. Hubby and I ride share. My husband's insurance covers both of us for $18/month. At this point I follow you for affirmation. Thank you for that!
@@SaynabYusuff Clothes line. Climate doesn't need to be super warm in order for a clothes line to work. I'm in Pennsylvania. It's chilly. Rain delays the drying, but it dries on the days it doesn't rain or snow.
Excellent! I live in the north,-28F is the lowest so far, and I’ve never had a dryer! The clothes freeze solid and dry in 2 days when it’s super cold. No cable, and I heat my water with a solar panel.
I hope the second payment you're making is toward the principle.
@@jimmiepatrum I use the bathroom shower stall to dry my heavy weight clothing items like jeans and coveralls on hangers
Bless your washer has a high spin rate that removes most water, I would look into getting one of those spinners on Amazon, like they used to use for swimsuits. Then, clothes are almost dry and should dry out very quickly no matter what your climate.
You have got commone sense. I live in Germany (South). I am a single woman. I learn from you, the best I can. Thank you. I love your dogs too-
If you're in England and are on certain government benefits BT offer a reduced cost internet (and home phone if you need or want one). I saved £20+ a month for the exact same service I had before. I changed my mobile to sim only contract years ago and I pay £7.30 (ish) for 2gb data, free calls and texts. I buy refurbished mobile phones but only when the one I have stops working. Just discovered your channel PP and I'm loving your advice on being frugal. Thank you for all the excellent advice!
I wish I had a friend just like you!
Just my preference, but I would avoid fluoride like the plague 🤷🏻♀️
I used to buy:
Dog shampoo. $$10.00
Laundry pods. $10.00
Dish soap. $3.00
Now I just buy the blue Dawn....this lasts 2 months and washes my dog, my clothes
and my dishes for only $6.00.
I use a Amazon firestick for watching shows.
We love Prepper Princess!😍😘
We focused on food to start as pre-cov we didn’t realize how much we were spending on food/entertainment. I agree that people focus on silly things to start when they focus on getting better financially. Our housing was fixed due to laws for the past 2 years but our food/entertainment spending was as ridiculous up to 70% of our housing. A long way to go still but way better than a few years ago
Me, too. I cut my spending on food dramatically and it has made a real difference.
this is a very practical, helpful and to the point video. Not sugar coated at all, and the reminder that I personally needed to get my stuff together.
thank you Prepper Princess and
Team Rocky
Yes! Watch those student loans, right from the beginning if you can. Work part-time. Get whatever scholarships you can. Go to community college and live at home if you can. Then, when you get that job, work hard. Employers may or may not be impressed by a degree from a status university, but it's your performance on the job that is really going to matter.
Absolutely no debt, but renting a 1 BR apt with no washer and dryer in NJ is the worssssst. 1,300 not including electric. My landlord would NEVER offer a reduced rental rate and I dont know of any landlord who would. Best way for me to save money is to probably just pack up and move out of this state.
You bought a frog of a house and turned it into a prince job well done!
I also turned my home phone off & cancelled it, saving $50 a month. Right now I'm saving $537/every month.
To me, it's not about the dollar amount, more about the lifestyle choices that you make. If you live overall a fairly cheap lifestyle, then you'll have money. If you have a lifestyle where you spend a lot, you'll have less. It's more about the mentality and the decisions follow after that.
I have a friend who buts cheap stuff at the dollar store all the time. She ends up with a bunch of broken junk she has to replace often, from brooms to flower pots, but she convinces herself she's "saving" because it was cheap to begin with. In the meantime, I'm using my $6 broom for the 15th year.
@@ccrbonline1752 it’s all about quality too. There’s an analogy about a person who is poor and needs good working boots, they buy the cheap ones because that’s what they can afford. Over time it ends up costing them more because they have to constantly replace them vs if they were able to buy the better quality more expensive ones. I have a couple of super frugal friends who give me hell because I’ll make big purchases or buy the more expensive thing. For me, it’s about quality. I research. For electronics I’ll ask my brothers to help me make a decision. For example both me and my friend bought our TV’s at the same time. I opted to buy a TV that was about $800 and I got the protection plan. I’m on year 4 and it’s perfect. They bought a same size TV for about $500, they had to replace it 2 years later (had they gotten a protection plan it would been covered). Bought the same TV for a little more this time around and just told me that they have to buy another one because this one has crapped out. So in 4 years they’ve spent over $1000 on TV’s because they went for price vs quality. This relates to everything big or small. That’s not to say it’s not smart to buy the cheaper option (buy generic, shop discounts etc) but sometimes being cheap (also different if you HAVE to be vs choose to be) ends up costing more in the long run. If I had to say my top 5 things to never be overly cheap on: insurance (the price may be lower but the coverage could also be trash and not cover things. I know some personal injury attorneys and not having good insurance can be detrimental) food, vehicles, electronics and clothing.
I live alone. I saved so much money downsizing from a 3 bedroom to a 1 bedroom. I just bought a sleeper couch for guest. And since Covid hit I don’t have company anymore.
I do my laundry after hours and I use a clothesline to hang all my Gucci clothes.lols
Oh man I love this topic! Y'all. START WITH THE BIG STUFF. Who cares if you're save $2 on frozen pizza when you have a $500 car payment! Look at housing, look at ALL your insurances, alternative transportation options, and cut cut cut.
For me, the big stuff is the things people often can't cut where I live. We have a 10-year waiting list for low-cost housing and insurance goes up every year whether you like it or not. I have company health insurance but the deductible is up to $7000 plus a 12% copay and it goes up every year based on age going up. House insurance goes up as the assessments of the house value increase every 2 years. I don't own a car but I have friends who are elderly who live a few miles away from a bus stop and there are months in the winter where the snow is so high that they can't walk on the street to get to it.
Thank you for this video. You've really changed my life over the years. I remember when I first discovered you from your 'this is poverty video' and I've been hooked ever since
I have the Roku TV and it's amazing
Dave Ramsey's Fiancial Peace University classes were worth the investment.
Centurylink costs $50 for 1 Mbps Down and .250 Mbps up. IT IS CRAP.... we pay $110 for Starlink now and could not be happier.
You are SO right about student loans. I got ina mess 20 some years ago and missed 5 student loan payments. I doubled up on the payments and for 6 YEARS they took every dime of my income tax refund. Wish I'd gone to a trades scho instead. I only gained $1.00 an hour on my paycheck.
Some of the things I do have to spend a bit more on; like I'm allergic to the sulfites in some foods and shampoos. It's better for me for cost and health to just buy the higher-priced and better quality item to avoid all the repercussions. BUT, I cut corners and am more cost-effective in other areas. I've been making my own laundry soap for years. It's crazy cheap and have taught my family how to make it themselves also. Given how toxic store-bought cleaning products are anyway, it is so much more cost-effective to DIY AND better for the health. I've learned to make "luxury" items by simply buying in bulk and saving a ton of money making everything myself. Then, those DIYs make for great gifts too! WINS all around.
How do you make the laundry soap?
Thanks
Please share
Sometimes coupons tempt you to spend more money than you would have if you didn't have coupons in the first place. Such as getting a bunch of pizza coupons in the mail and then spending 40 or 50 dollars on pizza over the next week.
Or like a box of pizza rolls. Not something I typically buy but using coupons can trick you into it. I stopped using them.
Coupons are rarely for anything healthy. If it’s something you use and can stock up on great, but usually a store brand is still cheaper
But..o how I miss pizza
Excellent video. I lost my wife last year to cancer. I have our house fully paid, 2018 Checy equinox all paid, and I get a pension. Now I want to build up.
I'd love a whole video on student loans and any alternatives. This needs to be an entire course taught in school.
I just love ❤️ you & admire you for being so young & realizing what’s really important in life!! Thank you for your videos!!! 🤗🦋😍 Keep them coming!!! 👏🏻👏🏻👏🏻
I stay away from salons and do my own spa and beauty treatments, i cook my own meals and juice alot instead take out/dine in, I buy several products that can each be used in several different ways and they last for well over 6months; examples: white vinegar, baking soda, coconut oil, castile soap, essential oil. I source FREE stuff from Craigslist, Facebook marketplace, or on the sides of road...I dont eat meat or dairy and I dont buy bottled water.
As always--so practical and truly helpful advice! Thanks!
If you want to pay your debt, do not pay for budgeting apps. Many free options to budget! I've seen many people paying for companies up to 99 dollars a years just to budget.
Princess, that's why I drive a 24 year old car! It'll be paid off in January which will save me $138 A month but I plan on putting that into a separate acct for when I need to replace it. So after next month I'll be debt free including my mobile.
I just found your videos and really love them. Those that criticize are detached from reality. YOU are the BEST.
Coming from someone who has a parent who works for a personal injury attorney the only thing I would say is make sure you understand the risks of reducing your coverage to liability only (only can be done if you own the car). If anything make sure you have uninsured/underinsured motorist insurance, because if you get into a car accident and the other person only has liability and your bills are more than that coverage, you would either be on the hook or have to go after the individual and good luck. Also most liability doesn’t cover things such as if you would need a rental. Liability will cover if you are at fault (unless the other persons bills are more than that coverage then it’s on you), but there’s so much that full coverage covers that liability won’t, from rentals to car theft to damage due to weather etc. All things that you would be on the hook for. I would always recommend having Personal Injury Protection (PIP) because if you have to miss work, liability only (theirs or yours) won’t always cover that. As my mom told me (I live in a state where car insurance isn’t tied to the DOL) I have to make sure I have enough coverage to cover the fact that the other drivers don’t. Came in handy when I got into a horrid wreck a few years back.
Also with medical insurance, you can only afford to be cheap in that area if you are generally healthy. I’m lucky I work for the government and I have great health insurance that’s like $20/month. But if you have to see the doctor often, have specialty needs, take some meds make sure that you have the coverage. It’s more than just what you pay for premiums but also deductibles, co-insurance and co-pays. If you don’t see the doctors often etc, it won’t really matter.
i used the avalanche method 25 years ago and it only took me a year and half to clear debt that had been drowning me for years. i started with the smallest debts first and mentally that made me feel more in control
Same here. Took a year and a half. That was hey, almost 20 years ago
I didn't realize what a blessing it is to live in a country (Canada) where your medical is covered. Eye exams are covered, I paid nothing for two surgery's or emergency room visits, nothing out of pocket to see your family doctor. Total cost to have a baby - zero. Between a government plan and a work plan I pay nothing for prescriptions. I would not have been able to make it as a single parent if I had to pay $500 out of pocket every month for a medical plan. I took your advice and got a cheaper car that I paid cash for and when my cell phone bill showed an increase I called to cancel and instead was given a lower rate and the charges were reversed. I know a guy who leased a vehicle because the fully paid for one he was driving required $800 in repairs. He was willing to have a monthly car payment vs coming up with a one time payment of $800. You provide really good advice,
I have a friend who is retired, living on a fixed income. She leases cars; she would rather lease a car than buy one outright and keep the extra money in her own pocket!
We have been indoctrinated to believe we need all the cleaning/ personal hygiene products. I use baking soda to brush my teeth been using it for years and dentist always comments on my good teeth. 👍
I do the same thing with baking soda. Periodically, I also use hydrogen peroxide which helps to whiten my teeth!
Hi! I don't always comment but I really want to thank you as I found your channel a couple years ago and I was in horrible debt due to long hospital stays. Long story short I've managed to pay off about 8,000 in last year thanks to you and even though still away to go it's amazing how much more money I have even while still paying it off and for 1st time in my 48 years I'm hopeful when I've finished paying off I should be able to save relatively easily and I honestly think you saved my financial future security so here's the biggest thank you! Really really appreciate your videos - love to Rocky too 😊😊
That’s great! But YOU did it, I just gave you a nudge
@@PrepperPrincess Aw thank you so much Prepper Princess - best nudge I've had in my lifetime 😊😊
Thank you again!
KUDOS again for sound advice and share! Sadly rent is the biggest issue for me and no, the landlords around here love gouging all of us sadly :( All the BEST to you and thank you much again! Cheers :)
Love!!
Much needed info/reminders
Thanks for sharing. The cheapest toothpaste I’ve found is a dollar. No cable. Will check out mint mobile.
I saved 500 dollars today by going by AAA for car insurance per your suggestion. Thank you
Republic Wireless is good for cell phone service also. Went from over $100 at Verizon to $25 with Republic for the last seven years.
Very good advice- thanks so much!
Great advice Prepper Princess. Greg Chaney in coastal N.C
We paid our house off Monday! So excited to be clear. Car paid off too.
Woo hoo! Great job!
This is truly one of the best videos! Extremely informative
I think of this every time I drive past the Costco pumps... lines and lines of vehicles waiting forever with their engines idleing and burning fuel, just to save a couple bucks. 🤦♀️
I use unscented dish soap for laundry. Works great. In the end its all surfectants to remove dirt and oils.
I kind of doubt mine or most landlord these days will give you a reduced rate. Unless you know the landlord personally it won’t happen.
Love Jeff Foxworthy. Your opening was great!!
Most student loan providers will work with you. There is deferment.. but as you mentioned the interest rate is outrageous etc. There is also IBR (Income based repayment). There is also pay as you go, while in school, or forbearance, that should only be used for an emergency. Otherwise depending on income do the IBR and try to pay a bit extra each month.
Spend $12k to get solar panels to save $100 a month on electricity not understanding you need 10 years of savings to pay off those panels before you actually save money.
Driving a 91 Colony Park and wouldn't have anything newer even if I could afford it. Haven't had a TV for over 30 years and don't miss it at all. House will be paid off in a few weeks. It has been a long road but so worth it.
I just got rid of the 'medical' that my company claims to offer as a perk. For my kids, I will be paying only a quarter of what I was paying for them on that plan. So even though some benefits are less, overall I'm saving a lot and have directed that to automatic savings instead.
Great wisdom! Thanks for the video.
Years ago and I was single I washed my clothes in my bathtub and use a wooden rack and coat hangers to hang up them to dry, no the weren’t. That soft but they didn’t stink
Great ideas...I will check out the mint service. Thanks!
"suck it up, buttercup". damnit, you owe me a new keyboard.
Excellent tips as always PP 👍
Guilty as charged! I don’t have debt but I started from the penny pinching on the bottom of the list. My next goal is to get higher on the list and cut where I can. I like how you give specific details about what you pay on each item and where to look because it helps me figure out if I’m paying too much and where to look for a different rate.
I also participate in habits that are costing me money instead of saving like gardening, thrift store browsing, etc. I buy organic fertilizers, a tiller, and built raised beds which cost me more money. Buying the plants costs a lot. I also have to consider the time I waste doing things that really aren’t saving money.
Praying for wisdom. 🙏🏻❤
You can use regular ivy leaves in place of detergent!
Living in a small town in Kansas only 2 Internet providers saved 15/mo, cut the cable went to Roku 160/mo saved, cell service 90 for 2 lines now 30 for 2 lines 60/mo saved, total $ 235 per month to attack credit card debit. I had 8 credit cards, just like you said I found a -0-% no fee card for transferring the smaller cards on to it paid down to zero on those and transferring the last 2 larger balances to 1 credit card and beating the crap out of it every pay day. After listening to a few of your videos I finally got it, behavior changes needed to happen. Working remotely gave me the opportunity to move to a cheaper house. I was one of those that filed bankruptcy 2 years ago and was headed the same direction something had to change. I have a big hurdle in front of me now stage 3 or 4 ovarian cancer again. Big surgery coming up in a couple weeks. My employee has great benefits and have been great while I’ve had a few sick days. I still should have plenty of PTO to pay for my benefits while I’m out of office. They should teach this at each grade level after 12 years of age. Learn to save and put your money to work for you. Thank you 😊
Great advice!!
I enjoyed your video Prepper Princess. I never heard of ROKU BOX and I will look into this now. Mint Mobile I've heard of but I gave up my cell 5 years ago. 15 bucks a month and I just might get back into it.
I’m watching this on my phone.I don’t think the roku box will work on the phone.The phone is my internet.😁
Focus on reducing your housing, auto and food ✌️
Never meet a landlord go down on rent
Moved to Fla in 04. Live 2 miles from beach. And you can drive on the beach too. Cmon! Pack up & move east to Florida red. Or stay in bondage. XO
I would just like to annouce I´ve paid off my credit card debt and have changed the payment method to end of the month. happy
Awesome! Congratulations!
Good to hear your tips.
We were forced to take out more than we needed to refinance our home at the lowest possible interest. So, we did. We made sure there was no early repayment penalty.clause, let them extra money sit in the bank account until our payment was due, and sent all the extra money back. The banks count on you being weak and spending it all, but we did not.
Thankyou.
Dollar Tree has an Awesome brand detergent with fabric softener (lilac colored bottle). It is $1 & works great! I just started using it & could kick myself for wasted dollars over the years.
Don't forget Taxes....The Tax Bill will be coming in January or February, turn that Bill over and read the back. The Tax Collectors list the possible Tax Reduction options, such as Homestead Rebate/Reduction, Disability, Military Service Discout, over 50/60/65 years old, Owner Occupied. I have four discounts that I qualified for.
My Homestead Tax Reduction rolls over to reductions on my water & sewer.
On my Sewer Bill, I receive the Homestead Reduction, Summer Watering reduction rate and Senior/Low Income discount.
My city offers an additional discount for Rain Barrels & Rain Gardens that reduce storm water into the sewer systems.
I'm retired and sold my free & clear pick-up truck to my son. Once or twice I drive him to work, so I can use his truck. No vehicle, reduced insurance to liability coverage. Insurance is $45 per 6 month vs. $125 per month.
Good advice on asking for a lower credit card rate. Most people will not go beyond the first supervisor.
Landlords around here like to periodically up your rent. I lived for 9 years in a mobile home park & my landlord was always thinking of a reason to up my rent. No way he'd be Oking a lower payment 😬
What a BEAUTIFUL EYES!!!
Awesome!
I used to buy laundry detergent, fabric softener plus the scent boosters and the dryer sheets just to do laundry. One day I ran out of the softener and booster and my BF asked "do you really need those?" and I realized that no i do not so I stopped buying them. No difference in the laundry. I still buy the dryer sheets but I'm saving a bunch of money especially because the scent boosters are ridiculously expensive and it's nothing but artificial scents. Doesn't make a huge dent but it helps. I already cut out the big ticket items.
You are SO wise! I wish we were neighbors and you would share your knowledge with me! Love your videos. Never miss one! 😘
Well right now I live in military housing. I’ve been here since January of 2020. Military housing can’t negotiate. Did look for a house put in an offer on a few but got out bid well both paid in cash. Then I found out the house’s were put up for rent and of course the rent cost is more then the mortgage in Virginia Beach. I’m glad I don’t have Student loans and I don’t have a Credit Card aside from my bank card with my bank.
Your so smart! Love that common sense comment!
Offer suggestions for low cost repairs on plumbing or other home repairs (- leaky faucets, pipe burst, electrical repairs, etc.). You can be frugal till the cows come home, but if you don't know how to do repairs, all that saved money will go into someone else's pocket when something breaks. What are your suggestions for that? Sometimes attempting a repair to save money can cost money when you don't really know what you're doing.
RUclips videos are great for that sort of thing. ASK QUESTIONS whenever you are at Home Depot or Lowe's, and BRING PICTURES! It helps a lot.
I agree with PP. My husband and I even RUclips our car repairs. We’ve fixed our dryer ourselves. The gauge on our well water pump tank and other msc. things. It’s saved us lots of money doing our own repairs.
@@PrepperPrincess and the pictures are useful to remember on how to put something back together the way it goes so you’re not YouTubing that too lol. Made THAT mistake once.
I am one of the people who break things whenever I try to fix them, so Carol, I am with you. I broke my dehumidifier trying to get it to work. I broke two television antennas trying to set them up. I am almost entirely finished with house updates without going into debt but I did one project at a time and paid each project off before moving to the next. Most things you can get 0% 24 months financing so you don't have to pay interest or a big price at one time.
I saved $100 per month for full coverage compared to my last car insurance provider. I had been with the same insurance company for 20 years. Never had a claim. I called two other companies and received quotes from the other two that were $90 to $100 less per month. MONTH!!!!
Thank you for making these videos, they are very helpful to me. And I'm also a mint mobile customer. I love it. Very affordable and I have the 3 month unlimited plan for $120.😁