I lived in an old 4 bedroom house, that need so much repair, new windows, new roof, I knew I could never have the money to do these, so I sold as is. My children had both moved abroad and I couldn't afford to buy nor rent where they are so I moved to Spain. I rent and can live on my pension and I'm so close to everything, I walk. Don't drive anyway. I watch my grocery bill and watch my utilities and I'm living my best life. I spent 50 yrs in Iceland and am enjoying food weather and meeting all kinds of new ppl. It's great ! I'm mostly doing what you just said, budgeting and use any extra for a meal out or a coffee. It can be done ❤
@@sallymatich6409 yes, I'm meeting many people.there are quite a few expats Round, and there are alot of. Coffee/ lunch meet ups around. I'm .ore social than ever
@viktoriapettypiece5953 I'm looking forward to living in Spain soon. I'm just a little chicken to make it happen; not sure really how to do it. Would love any ideas you have. I speak Spanish so language for me isn't a problem but I've also heard that there are many expats in Spain.
@@melodybatres3253 yes, there are many expats living in Spain, from all around the world, in my area there are British, Irish, Icelanders, Scandinavian, .. many places, and much easier if you are in the EU
Thank you for caring enough to share these suggestions. I do so many of them already & will be trying others as life goes on. To me, there is a difference between not having money & being “poor”. I have trouble making ends meet & strive to stay within my budget, but I am rich in wisdom & friendships. Money will be tight the rest of my life, I imagine, but I’m a tough woman & I know somehow I will manage. I won’t spend frivolously, I won’t make major purchases, but I will enjoy these last decades, all I’ve achieved, and all the wonderful people I’ve been blessed to have as friends. (Sorry, I got started and couldn’t stop)
Oh Margaret you are such a kind caring person. We had over 133000 dollars taken from our account and couldn't recover it. It was a difficult pill to swallow because we have been frugal our whole lives. My husband is now retired and we were depending on that money for specific projects. Sooo we are still frugal and living a day at a time. We are rich spiritually and have been married for 44 yrs. I always ask myself do I need something or do I want it. I used to splurge once in a while but now at our age (75) I am just thankful to be alive. We have enough for our needs and that's all we need. Thank you so much for your compassion and sweet spirit. I'll always consider you my friend.
I've been criticized for buying my "special" coffee while on a limited budget. We each decide what really matters, what small treats we can afford. I replied that I budget for this. Don't apologize for doing what's important to you.
Marna. I am somewhat perplexed. "Why would you have to explain yourself to anyone on your personal matters? Or for that matter tell them what brand of coffee you buy!
Hello from Toledo, Ohio. I do a lot of your ideas already. I would like to mention going to food banks. Besides human food some of them have food for your pets and other useful items, i. e. laundry detergent, toilet paper, shampoo, etc. Another way to cut expenses is to go with a cheaper cell phone plan. Discontinue your land line phone. I have decided to eat more of a plant based diet which is less expensive than a meat eating diet. As a bonus I feel better, too. Good luck to all my sisters on our shared journey. We are all in this together. ❤❤❤
I love the US and would never consider moving to a new country, except for perhaps Canada. I don’t like to fly. Am afraid of heights. I live near where I work and shop for food. So it is ideal.🎉😂😢
Great ideas. I'm a believer in not wasting money. One thing that saves me a lot is buying frozen or canned fruit and vegetables. Always buy store brands. These have really made a difference. Also, where I live there is a senior center where you can have meals and lots of social activities. This type of living is very rewarding to me. Thanks Margaret. You are an amazing person ❤
It all starts with changing your mindset and thinking creatively about wants vs. needs. I revamped my entire way of life - selling the house, car, furniture, jewelry, etc...and stopped spending on little things like make-up, haircuts, manicures, gym/spa, coffee out. Now my budget easily covers all my true needs (housing, utilities, food, transportation, insurance) and every extra dollar goes into saving and investing - with no debt. Peace of mind is worth more than anything else I could buy.
Margaret, your ideas and suggestions related to strategies to manage and survive on a fixed income couldn't have come at such a critical period of many senior citizens. Your suggestion to be honest and upfront with friends and let them know I can't afford to attend lunch, dinner etc, made me realize I need to be honest with myself first. I don't need to attend every invitation received for baby showers, bridal showers, any invite where a gift is expected. Sure, I will attend showers related to family members that are dear to me, but will decline invites from "acquaintances" and their families. I've recently learned to make a little extra money by selling my clothes and accessories through consignment shops, it's a way of clearing out unused items and making a little something to take my husband out to dinner!
Margaret, thank you for this video. My husband & I have decided to downsize. After my daughter completes her final year in college. We want to travel. We have invested and saved. However, with prices in the US skyrocketing from food to gasoline, healthcare, everything. I have decided on a no spend week. I know it’s only a week but for me it is a start. We are trying to save much as possible. You are so compassionate! We are all in this young & old. I love you back and respect you immensely.❤
I was raised by frugal parents and I am glad I was! I have learned to be very happy with little. One trick I am trying right now is to go into the shops less often. I used to grocery shop twice a week. Now, I am aiming to go once every two weeks. It saves on transportation costs, time, and I am less tempted to pick up frivolous items. This is great especially during the winter months when weather can be hazardous. I am seeing the savings! Thank you, Margaret, for this practical video.
Try doing your big shop once a month, then once every 7-10 days for milk, bread, eggs & fresh produce only. That's my approach... 🛒🛍 Sacramento, California USA 🇺🇸
You are right - going to the shops more often leads to more impulse buying. I try to go JUST for the items I need. Sometimes I avoid a trip by having a ´using up’ day - I just eat what I already have in, using up bits and pieces can sometimes prove inspiring and tasty ❤ I enjoyed your post - thanks.
During Covid, I started shopping online for groceries and I've continued doing it. I pick up my groceries once a week and don't have to pay a fee. I was never crazy about grocery shopping anyway, so this is really nice and saves me time. It also keeps me from picking up things I don't need.
I also was raised with frugal parents & also very glad I was. It teaches you. Even if you have $ now, it doesn't always mean you will. People that have had way too much & then lose that, will have a very hard time.
Thank you for the topic. I am going to rent out a couple bedrooms in my house, but already getting rid of things so I can downsize eventually. I also took a weekend job as a receptionist at a nursing home that gives me extra money.
Good Morning Margaret! Happy Thankful Thursday! Sending Love and Prayers to you and My Sixty and Me Sisters! Thank you for this topic. I am also looking for ways to budget and live within my budget! I am always feeling bad about something 😕 learning how to change my ways Have a Blessed Day All 🙏❤️🙌💯
Margaret, I recently lost my part-time job. But although it's less money coming in, there's less going out. I've hardly bought anything in January or February, because I need less! It's been no- buy February, and I like it! I do worry about rents , cost of living in the States and around the world. I go to the dollar store, even for health and beauty aids, instead of the local drugstores, which are way too pricey lately. My clothes, which are simple, jeans and tee shirts, mostly, I like to get at the thrift shops. I always say, I'm a plain Jane, not a fancy Nancy, lol. I don't wear a lot of makeup; I recently donated quite a bit, and am "shopping my stash", using what I have. No need to buy every new skincare and makeup item..same for hair. I cut and color my own now. Love to you and all the ladies in our situation. Thank you so much for this! Rosemarie ❤️
Gotta have a cookie with a cuppa❤ You knos Margaret, most of the boomers were raised in houses which were poor. I thankfully remember all the household tricks and methods of "getting by". Seems a lot of us have come full circle in that regard. I doing the chin up and step out in faith and gratitude. I am so thankful I was born when I was. Life has taught me much and the "biggy" is to be kind. Blessings to You and All the Sixty & Me ladies. ❤ 🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏
this is a tiny thing, but i opt in for separate checks when go out w a friend. i order inexpensively to enjoy the company without going above my recreation budget
I live in New York born, raised 4th generation etc and I know there are lot of native NYers or people who lived in New York that can’t really afford to live there & it’s effecting their mental & emotional well being but they refuse to leave because they have close family members or just feel if they leave they have given up( moving to New York is a dream for a lot of people). I can still make it there but I told my adult daughters and mother I plan on leaving in a few years , maybe living abroad in Panama or Mexico for better weather, less harried stressful and more affordable way of life.
Where I live I have the option of budgeting my electricity. Meaning, I called my electric company and I pay the same amount of money whether it’s summer or winter. Then I’m not panicking about my air-conditioning bills in the summer. I grew up with a lack mentality from my parents, because my mother had no idea how to manage money therefore I was never taught
Looking back, I never knew or felt like we were poor. But we were! Oh the stories my mom tells! I'm 72, mom is 92. I make extra money by selling on ebay but my interest in it is waning.
Wonder if this will help anyone? When I had no home I did live in care work . It is very suitable for older women, clients like to have someone older who they can relate to. You can cook food they enjoy, chat and share life experiences. It is enjoyable and rewarding.
I talk out loud in my head! Thank you Margaret for being so engaging and loving to yourself and us. You make a difference in this world. I have recently asked my friends to come over for a monthly brunch where I cook or bake. As I was a cook in the Army, it makes sense, I love cooking and it’s a lot cheaper than going out together. I only ask for 5 bucks each for groceries. And we watch a movie too since I have Netflix and Hulu…🙏🏽🙋🏻♀️👍🏽Mia
Thank you for your transparency. There’s far too much money shaming done. Making poor money choices in the past isn’t an albatross anyone should wear. We did it, it’s done. And it’s okay. I am lucky that my situation allows me a bit of money to get out and do things. I often don’t because my mobility is a little limited but there’s still a lot I can do. You inspired me yesterday with your trip on Lake Luzerne. I live in a small town but near some major metro areas. I have a car and can get around. But even when I want to go do something, I’m faced with the inertia of choosing. I’m going to do what I’ve done in the past. I’m going to gather some ideas of things to do and make lists of free things, low cost things and moderate things. I’ll keep those lists handy and once a week or so, I’ll pick something from an appropriate list based on my budget. I’m less than an hour from some amazing museums that are free or low cost and less than a gallon of gas away. My hobby is art work and going to museums would be inspiring. Just as inspiring would be a trip to the library to thumb through coffee table books.
❤ and hugs to you Margaret! Such a great video. I often feel bad about my income even though I'm doing okay. I do many of the frugal things you talked about. If I only need a few things at the store I walk with a small backpack. I don't use gas & I get exercise! Also, I try to make a game out of seeing how frugal I can be! It takes a while for hot water out of faucet, so I collect the cold water and use it for cooking & watering my 2 plants. So happy I found sixty and me❤
Great perspective! Inexpensive entertainment that friends and I do...Game Day. Board/card game, good conversation, potluck dinner/snacks....group photo after to celebrate the day.
I think i said this once before .. my husband and i moved from the city to a lovely country town but with retirement coming it was too expensive on a pension soooo.... we moved to a small beachside town bought a 161yr old stone cottage. We spent 3 years renovating and made a comfortable home for ourselves. Rates etc are a third of the price , the people are so lovely and friendly😅. We are retired and don't have an extravagant life but a happy contented one... you make good sense and good advice . 👍 ❤
You are so right about this being a very real problem for many women. I feel incredibly fortunate and I remind myself daily how life could be far more difficult and I could have easily been in a very different financial situation. My heart goes out to anyone dealing with this. I had very limited resources growing up and into my early adult years. It's not an easy road by any stretch. Thanks Margaret. You have such empathy and compassion.
I moved from a large city in Ontario, Canada to small town and was able to buy a small condo and have a little security. Far from family but not a lot of choice otherwise.❤
Thank you for this video, Margaret. Looking back, I was brought up in poverty, but i never heard that word spoken. My nan and mum were so creative and resourceful. I never wanted for food, clothing and definitely not love. I recently heard about a group of retired ladies who meet 2 or 3 times a year for a clothes swap. As I really don't need or want to buy any new clothes, this might be a great idea!
I’m a cookie gal, too! I exchange things in my mind; eg. I get to buy the cookies I like with my coffee, and maybe buy a cheaper brand of coffee, etc…it’s actually kind of fun!
Thank you so much for this video to come, Margaret. From your videos, I have completely rethought my own future. I have been trying to sell my little bungalow ( 1960s build in the UK ), which is in need of modernising but beyond what I could afford to do. Not sold yet due to market conditions and sadly, I have had two broken chains in the last 10 months. But they say everything happens for a reason and given I was thinking could I find something a bit bigger once I had sold, I realise that would be so foolish when I could get rid of ‘ stuff ‘ and find a more modern, easy to keep, easier to heat home ( albeit a house ), for myself. Looking forward to this video and thank you for getting me thinking and into a different mind set. 💕
Always a great topic to discuss and some excellent suggestions here. Thanks, Margaret for your insights and encouragement. You're always a cheerleader!!
Such sound advice Margaret. I could have benefited from loud budgeting when our children were young and I felt embarrassed about not being able to afford meals or even coffee out, travel etc that friends seemed to effortlessly manage. Silly now looking back, doesn’t matter to me now but your comments strongly resonated. Thanks again Margaret, value and appreciate your openness and sharing your vulnerability with it, wonderfully grounding views on living and humanity. absolutely need more of your compassion rippling around the world 💕🌺🦋
Hi Sally. Thank you so much for your comment. I also wished I had use this in the past. But for now we move forward :-) thank you for your feedback and have a wonderful weekend.
Thank you you are very welcome here. Really our messages for all women and especially those in their 40s and 50s. We were planning to be 60 in the joyful life. Thank you for your feedback.
U.S. veterans/spouses/widows should research any and all benefits that are available. We recently found that my mother qualified for money to help pay for home care or assisted living expenses. Veterans also qualify for state run retirement homes where all living expenses are included in the rent.
PTL Margaret…you’re absolutely delightful, looking lovely! This was a very helpful episode; loud budgeting, thank you. It allows us to be more comfortable with frugality, to make frugality a goal💯💌!
I have a co-worker that rents a house and she rents out the extra bedrooms to help out with the $2200 monthly rent. When I travel she checks in on my three dogs every day and I pay her to do so. My daughter could watch them, but my friend can use the money. We need to help each other.
Thank you, Margaret, great tips! If a person owes a hospital medical balance you can call the MANAGER of billing and ask if you can pay it off with a lower amount in cash. It is all you have and can pay today. Example: Owe $1200, cash payoff $800? This was recommended to me by a friend (hospital board of director and financial planner) May not always work but if you have the money to do it, is worth giving it a try🌺
Yes, this worked for me in the past after having a surgery. Also, I have been able to make payments on some smaller amounts. They take it out of my bank account each month, and didn't charge me interest.
Thank you for sharing these thoughts. Thinking of selling home to move nearer my son so it’s easier for him and to help the loneliness issues. But it’s an older neighborhood and near a city rife with crime. We’re all professionals but today’s prices across the board pose money issues for all of us young and me now on fixed income at age 77 dumped after 30 years of marriage. One tries to be brave but unseen forces assail us and how to we fight back? Sites like yours and honest discussions at least lend support on many levels. Being heard and being supportive for each other is a wonderful gift. Thank you.
I find that my budget is the key to simplifying very tight Financials. For me it takes away any of the shame as I do loud budgeting and merely say, it’s not in my budget. And setting a budget gives me the power to decide where my money goes. Thanks Margaret! I hope you enjoyed your cookies!
Margaret, I'm a 55 yr old Canadian, and I love your channel. Your information and compassion shine through everything you post. Thank you for all you share with us women. ❤️
I love you too Margaret. For the last 3 years I have learned and have been comforted by your amazing videos on RUclips. Again, today, you changed my perspective on a topic that no one in my circle is comfortable with talking about. Thank you for helping me see that I’m not alone with the struggle for survival (financially). I’ll use your suggestions to release the shame I have felt. Meanwhile, these are the fun things I enjoy for free: Birding, online library, RUclips. 🌸
Thank you. I like the loud budgeting concept. I'm going to "come clean" to my children and no longer put forth the pretense that everything is easy for me to afford. They are all adults and it's time. Thank you!
I came clean to my daughters a short while ago, that I would not be able to help them out as much as before because I am putting myself on a budget and will need to save more money.
Those are all helpful tips. Thank you, Margaret. I am fortunate that my husband and and I planned for our retirement in our younger years so that now that I’m a widow, I can stay in the 55+ mobile home park where we’ve lived for 20 years. I sort of went on a spending spree after he passed just trying to fill that big void that was left at the time (last June) but have come to my senses since then. My credit card was compromised recently and I don’t have a backup card. It forced me to just use my debit card for food and gas for a while and I will continue to do that for the rest of the month. Huge savings in taking some time off from anything but the necessities.
Thank you for this topic. Our lives changed 8 years ago. I became a spousal caregiver. Had to sell our business sell our large home, finances are still being juggled. All oyr equity is in this home. That money could come in handy here in our 60's+. Maybe it's time to consider downsizing once more. Thanks again.
Margaret I adore your honesty and your willingness to share yourself and your struggles in the honest way you do. We all deserve support and thank you for encouraging that with all of us.
Margaret, I want to tell you how happy I am that you actually took the time to write back and respond to my text. I'm so happy you are doing well!! Health is everything to me. I am exercising while listening to your video on ways to save and great ways to share with others if necessary. I moved from Baltimore to Florida after I sold my home. I live in a very affluent area, but chose a Condo that is 850 square feet. I am very happy because I made it cozy . I think a lot of happiness is your mindset and choice. Over the years I spent on my son because he came first. I'm 71 now and thank G-d I'm healthy and peaceful. To me , those are the important things. Everyday when I wake up I say thank you. You may want to listen to Mo Gawdat on happiness. Love you Margaret. You are an angel 😇 to me. With love, ❤❤❤❤❤❤❤❤
Some transit systems have a Senior's pass for 45 dollars a year. I got mine. I take art lessons for free with the local arts council. I volunteer a lot, attend festivals, events for free in exchange for a bit of work. I bought my furniture second hand from an online thrift shop in my area that delivers! And yes, I buy a lot of clothes second hand or on sale. I'm looking at a program that subsidizes Seniors for buying at the local Farmer's Market. Most towns have an advocacy group for Seniors, see what goodies/ subsidies are available.
I love the color of your top, one of my favorites, and it looks beautiful on you. Thanks for sharing your most up to date information and options on how best to handle financial difficulties in our older years and even younger years. It’s a lot of responsibility just to take care of ourselves with the major world and lifestyle changes we all are going through. Thank you for your help. ❤️
I moved to a small town to be near my daughter. She drives us places. Won’t accept gas money which is very kind of her. I used to carpool to work for awhile too. I still drive to the grocery , church, and library. I buy flower seeds and enjoy flower gardening as a hobby; About food: eating more fruits and vegetables and my health has improved! Next goal: to try to save for the unexpected. Margaret, you are a lovely, sweet and caring lady, and I do enjoy your videos! Shari from U.S.
I appreciate the info. I have 6 dollars left to last to the first of the month. I have groceries but no gas money. I have forced savings but I dont touch it. I am saving for my own condo
Yes Margaret. The changes you suggest can Indeed be scary. And one person's "scary" is adventurous for another person. Downsizing makes huge sense, where possible. Moving to a less expensive región, yes! Even though we are still working, and travelling, I do batch cooking.
Margret you are such a special person speaking to this topic and many more. When I listen to you it all makes sense. You really show compassion to you listeners. Thank you for your great content😍.
Margaret, your messages are always meaningful to hear, and the love you exude is a joy and blessing. I’m newly retired, have always had one or three jobs at a time, self reliant to a fault, and facing the loss of a paycheque for the first time in 50 years is terrifying me. I have a spouse, but have always been the breadwinner and he is very bad with money. The adjustment is brutal, realizing all I will need to replace that work gave me. One thing Im just realizing is how now living on a fixed income and much tighter budget will cause separation and distance from some relationships I have with people who are in a very different economic situation than me (now). One thing I’m grateful for is that I grew up poor and I know how to adjust ( not just work) and that my best friendships are with others who share this life experience. As you can gather ….this could be a great topic for one of your wonderful talks. Namaste.
Hi Donna. Thank you for sharing your story. Since I had a very poor upbringing as well I do appreciate completely what you’re saying. It is a good topic and perhaps I’ll talk about it in a video soon. Thank you for being here. You’re going to be OK you’ve got the right values in the right places and I have a lot of respect for you.
Thank you, Margaret, and of all the things you suggested, "budgeting out loud" is one of the most powerful. BTW, I thought you looked especially pretty today. I love the deeper colours on you, and I thought the layered necklace and sparkly earrings were lovely.
Thank you so much Angie. I’m glad you found the article of value but I do also really think the budgeting out loud strategy is an amazing powerful tool to use.
Wonderful how you share your childhood Margaret and the lack of money . Mine too was such and it is good to know we are not alone . Love this platform Margaret
I was nobody's child. Not only did I live in different Canadian provinces but I lived with different family members and at times I was sent to Germany to live with different family members, so I really was nobody's child. And along with it came not having permanent friends, having no means at all, certainly not any money to spend on any little goodies, and I distinctly remember at one point thinking that the day you got a pork chop was like a godsend. It would have been nice to be more loved and secure, but I learned from it and completely applied all my life lessons to my children. And with it I started a new train of thought for them. It's important that you look at yourself and the world around you and think hey what is there that I need to change that I need to apply to make things better for the next generation. It's not always only about you.
Thank You Margaret for your wonderful and inspiring advices and encouragements in your chats with us.. I am glad that I came across your videos on You Tube. God Bless You and have a wonderful day.
Great topic🎉 👏 you will have to make changes according to your finances, I 🤔 💬 think it's smart to know your budget🎉🎉Margaret the brown top look's lovely on you and the necklace. Have a good day on purpose.
I'm trying to convince my husband to trial a period of time to live in a third world country. I'm favoring Siem Reap, Cambodia, mainly due to their simple Visa requirements. We would be able to travel to several nearby countries that border Cambodia. You can get a nice 1 bedroom for $300 or less. It appears eating out/street food, but even many restaurants, are cheaper than cooking in. I only eat 1 main meal a day, but do eat snacks. I have been studying this for several months now. We could definitely live for a lot less but also be able to enjoy travel to other countries because of that. Here in the U.S. I feel we exist. It has become unaffordable to so many. I am grateful for what I have, compared to many, but it would be nice to enjoy more of what life we have left. I realize this would not be an option many people would choose, but I'm adventurous that way. 😊
Former teacher from Oregon here- I’ve essentially transferred my base to Mexico (keeping only an inexpensive storage unit in Portland). Sold my car too. My life in Mexico costs roughly half of what life in Portland cost, and it’s only that much because I am currently in a heavily immigrant/expat area in Mexico. My Spanish has improved significantly, which means I would feel comfortable living in other parts of the country so I could easily live well on 1/3 of the $ it took to simply survive in Portland. I hope your husband is willing to try going to Cambodia-it will be amazing!
One thing I would encourage women in our community is to use food pantries. It helps stretch your budget and provides basic food. And many have hours for seniors only or serve seniors only. People in the same situation. And so many libraries loan out board games. We get together and have fun for free…good for our brains.
Thanks Nina for those very useful suggestions. I didn’t know that libraries handed out board games and also agree with your recommendation to use food banks- people are very generous 🌺
I left Austin, Texas, a year ago because it was too expensive, and I wanted to retire. I am now an expat in Tbilisi. I work part-time teaching English to supplement my SS income; and am living comfortably and content. I stick to my budget. My grown children do not need me. I have made plenty of friends; enjoy attending the ballet, concerts, and ballet. I am still able to travel. Bonus: I feel much safer living here than it did any place I lived in the States.
Margaret 🎉 I love my 🍪 cookies as well, I get the gluten free cookies , 😋 yummy , no shame in that, you have to be 🙂 👍 nice to yourself as well, I will also buy that cup of ☕ coffee when I'm out it make me feel relaxed, and since I only do that when I'm out that is not that often , why not 🎉🎉 Thank-you for this topic❤
Such a valuable conversation, Margaret. Thanks for always keeping things real! I’d love some advice about selling jewelry, if anyone has experience and good experiences. Thanks ❤❤❤
I just purchased a air fryer instead of turning on the oven heating it and baking for 60 minutes i use my air fryer. I think its healthier to. I also found it in line foe a discount.
Thank you I live on a fixed income and it's difficult in this economy and sometimes it makes me sad when those times come I play a game with myself I think of it as a challenge how can I win this game it helps me and I seen to come up with some pretty good strategys
I am enjoying your videos and I don't think 15 minutes is long at all! I prefer long videos so I can get a lot more information each time I open one up
Great advice about not feeling shame due to lack of finances.
Margaret, your compassion for all of us brings me joy. I need your wonderful talks especially at this time of my life. Thank you so much.
You are so welcome
I lived in an old 4 bedroom house, that need so much repair, new windows, new roof, I knew I could never have the money to do these, so I sold as is. My children had both moved abroad and I couldn't afford to buy nor rent where they are so I moved to Spain. I rent and can live on my pension and I'm so close to everything, I walk. Don't drive anyway. I watch my grocery bill and watch my utilities and I'm living my best life. I spent 50 yrs in Iceland and am enjoying food weather and meeting all kinds of new ppl. It's great ! I'm mostly doing what you just said, budgeting and use any extra for a meal out or a coffee. It can be done ❤
Good for you that was a brave move and glad it’s worked out 😊 are you getting to meet any of your neighbours or local people there?
Viktoria. A very good decisión! Makes sense. And as a European I expect you have the EHIC card.
@@sallymatich6409 yes, I'm meeting many people.there are quite a few expats Round, and there are alot of. Coffee/ lunch meet ups around. I'm .ore social than ever
@viktoriapettypiece5953 I'm looking forward to living in Spain soon. I'm just a little chicken to make it happen; not sure really how to do it. Would love any ideas you have. I speak Spanish so language for me isn't a problem but I've also heard that there are many expats in Spain.
@@melodybatres3253 yes, there are many expats living in Spain, from all around the world, in my area there are British, Irish, Icelanders, Scandinavian, .. many places, and much easier if you are in the EU
Thank you for caring enough to share these suggestions. I do so many of them already & will be trying others as life goes on.
To me, there is a difference between not having money & being “poor”. I have trouble making ends meet & strive to stay within my budget, but I am rich in wisdom & friendships. Money will be tight the rest of my life, I imagine, but I’m a tough woman & I know somehow I will manage. I won’t spend frivolously, I won’t make major purchases, but I will enjoy these last decades, all I’ve achieved, and all the wonderful people I’ve been blessed to have as friends.
(Sorry, I got started and couldn’t stop)
I enjoyed your comment, it is wonderful to be in a space where women share optimism and strength.
@@donnadupree6731 Thanks, this is such a supportive group.
Priceless comment that speaks to me. Thank you, Nola.
Oh Margaret you are such a kind caring person. We had over 133000 dollars taken from our account and couldn't recover it. It was a difficult pill to swallow because we have been frugal our whole lives. My husband is now retired and we were depending on that money for specific projects. Sooo we are still frugal and living a day at a time. We are rich spiritually and have been married for 44 yrs. I always ask myself do I need something or do I want it. I used to splurge once in a while but now at our age (75) I am just thankful to be alive. We have enough for our needs and that's all we need. Thank you so much for your compassion and sweet spirit. I'll always consider you my friend.
I've been criticized for buying my "special" coffee while on a limited budget. We each decide what really matters, what small treats we can afford. I replied that I budget for this. Don't apologize for doing what's important to you.
Marna. I am somewhat perplexed. "Why would you have to explain yourself to anyone on your personal matters? Or for that matter tell them what brand of coffee you buy!
@@doloresaquines1529 I don't. Smiles.
I totally agree with you on this
Don't apologize, just smile 😁
YES, YES, YES. As young people say, you go girl. 👏👏👏🥰🥰🥰
Hello from Toledo, Ohio. I do a lot of your ideas already. I would like to mention going to food banks. Besides human food some of them have food for your pets and other useful items, i. e. laundry detergent, toilet paper, shampoo, etc. Another way to cut expenses is to go with a cheaper cell phone plan. Discontinue your land line phone. I have decided to eat more of a plant based diet which is less expensive than a meat eating diet. As a bonus I feel better, too. Good luck to all my sisters on our shared journey. We are all in this together. ❤❤❤
Great ideas!
I love the US and would never consider moving to a new country, except for perhaps Canada. I don’t like to fly. Am afraid of heights. I live near where I work and shop for food. So it is ideal.🎉😂😢
Great ideas. I'm a believer in not wasting money. One thing that saves me a lot is buying frozen or canned fruit and vegetables. Always buy store brands. These have really made a difference. Also, where I live there is a senior center where you can have meals and lots of social activities. This type of living is very rewarding to me.
Thanks Margaret. You are an amazing person ❤
That's a great idea!
It all starts with changing your mindset and thinking creatively about wants vs. needs. I revamped my entire way of life - selling the house, car, furniture, jewelry, etc...and stopped spending on little things like make-up, haircuts, manicures, gym/spa, coffee out. Now my budget easily covers all my true needs (housing, utilities, food, transportation, insurance) and every extra dollar goes into saving and investing - with no debt. Peace of mind is worth more than anything else I could buy.
Margaret, your ideas and suggestions related to strategies to manage and survive on a fixed income couldn't have come at such a critical period of many senior citizens. Your suggestion to be honest and upfront with friends and let them know I can't afford to attend lunch, dinner etc, made me realize I need to be honest with myself first. I don't need to attend every invitation received for baby showers, bridal showers, any invite where a gift is expected. Sure, I will attend showers related to family members that are dear to me, but will decline invites from "acquaintances" and their families. I've recently learned to make a little extra money by selling my clothes and accessories through consignment shops, it's a way of clearing out unused items and making a little something to take my husband out to dinner!
Margaret, thank you for this video. My husband & I have decided to downsize. After my daughter completes her final year in college. We want to travel. We have invested and saved. However, with prices in the US skyrocketing from food to gasoline, healthcare, everything. I have decided on a no spend week. I know it’s only a week but for me it is a start. We are trying to save much as possible. You are so compassionate! We are all in this young & old. I love you back and respect you immensely.❤
I was raised by frugal parents and I am glad I was! I have learned to be very happy with little. One trick I am trying right now is to go into the shops less often. I used to grocery shop twice a week. Now, I am aiming to go once every two weeks. It saves on transportation costs, time, and I am less tempted to pick up frivolous items. This is great especially during the winter months when weather can be hazardous. I am seeing the savings! Thank you, Margaret, for this practical video.
Try doing your big shop once a month, then once every 7-10 days for milk, bread, eggs & fresh produce only. That's my approach... 🛒🛍 Sacramento, California USA 🇺🇸
You are right - going to the shops more often leads to more impulse buying. I try to go JUST for the items I need. Sometimes I avoid a trip by having a ´using up’ day - I just eat what I already have in, using up bits and pieces can sometimes prove inspiring and tasty ❤ I enjoyed your post - thanks.
During Covid, I started shopping online for groceries and I've continued doing it. I pick up my groceries once a week and don't have to pay a fee. I was never crazy about grocery shopping anyway, so this is really nice and saves me time. It also keeps me from picking up things I don't need.
I also was raised with frugal parents & also very glad I was. It teaches you. Even if you have $ now, it doesn't always mean you will. People that have had way too much & then lose that, will have a very hard time.
Thank you for the topic. I am going to rent out a couple bedrooms in my house, but already getting rid of things so I can downsize eventually. I also took a weekend job as a receptionist at a nursing home that gives me extra money.
Hugs to all especially to you Margaret!🤗🤗🤗
Same to you!
Good Morning Margaret! Happy Thankful Thursday! Sending Love and Prayers to you and My Sixty and Me Sisters! Thank you for this topic. I am also looking for ways to budget and live within my budget! I am always feeling bad about something 😕 learning how to change my ways Have a Blessed Day All 🙏❤️🙌💯
Thank you Margaret for all your suggestions and support. You are so wonderful! I am so happy I found you and your RUclips videos!
Margaret, I recently lost my part-time job. But although it's less money coming in, there's less going out. I've hardly bought anything in January or February, because I need less! It's been no- buy February, and I like it! I do worry about rents , cost of living in the States and around the world. I go to the dollar store, even for health and beauty aids, instead of the local drugstores, which are way too pricey lately. My clothes, which are simple, jeans and tee shirts, mostly, I like to get at the thrift shops. I always say, I'm a plain Jane, not a fancy Nancy, lol. I don't wear a lot of makeup; I recently donated quite a bit, and am "shopping my stash", using what I have. No need to buy every new skincare and makeup item..same for hair. I cut and color my own now. Love to you and all the ladies in our situation. Thank you so much for this! Rosemarie ❤️
Thank you,Rosemarie for your wonderful comments. Please have a lovely weekend. I appreciate you.
Gotta have a cookie with a cuppa❤
You knos Margaret, most of the boomers were raised in houses which were poor.
I thankfully remember all the household tricks and methods of "getting by".
Seems a lot of us have come full circle in that regard.
I doing the chin up and step out in faith and gratitude. I am so thankful I was born when I was. Life has taught me much and the "biggy" is to be kind.
Blessings to You and All the Sixty & Me ladies. ❤ 🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏
this is a tiny thing, but i opt in for separate checks when go out w a friend. i order inexpensively to enjoy the company without going above my recreation budget
I live in New York born, raised 4th generation etc and I know there are lot of native NYers or people who lived in New York that can’t really afford to live there & it’s effecting their mental & emotional well being but they refuse to leave because they have close family members or just feel if they leave they have given up( moving to New York is a dream for a lot of people). I can still make it there but I told my adult daughters and mother I plan on leaving in a few years , maybe living abroad in Panama or Mexico for better weather, less harried stressful and more affordable way of life.
Where I live I have the option of budgeting my electricity. Meaning, I called my electric company and I pay the same amount of money whether it’s summer or winter. Then I’m not panicking about my air-conditioning bills in the summer.
I grew up with a lack mentality from my parents, because my mother had no idea how to manage money therefore I was never taught
Looking back, I never knew or felt like we were poor. But we were! Oh the stories my mom tells! I'm 72, mom is 92. I make extra money by selling on ebay but my interest in it is waning.
Amen! If you have your basic needs met and a life full of love and imagination, you are rich.
Wonder if this will help anyone? When I had no home I did live in care work . It is very suitable for older women, clients like to have someone older who they can relate to. You can cook food they enjoy, chat and share life experiences. It is enjoyable and rewarding.
Thank you so much Pam for that feedback. I’m sure that a lot of women would benefit from that arrangement. It is a good suggestion. Thank you so much.
I talk out loud in my head! Thank you Margaret for being so engaging and loving to yourself and us. You make a difference in this world. I have recently asked my friends to come over for a monthly brunch where I cook or bake. As I was a cook in the Army, it makes sense, I love cooking and it’s a lot cheaper than going out together. I only ask for 5 bucks each for groceries. And we watch a movie too since I have Netflix and Hulu…🙏🏽🙋🏻♀️👍🏽Mia
PTL Mia…kudos, thank you for your service; now it’s adding to the quality of your life, so happy for you 💯💌!
PTL Mia…kudos, thank you for your service; now it’s adding to the quality of your life, so happy for you 💯💌!
I bet you all have a lot of fun and laughs together! 💕🌺
Thank you for your transparency. There’s far too much money shaming done. Making poor money choices in the past isn’t an albatross anyone should wear. We did it, it’s done. And it’s okay.
I am lucky that my situation allows me a bit of money to get out and do things. I often don’t because my mobility is a little limited but there’s still a lot I can do. You inspired me yesterday with your trip on Lake Luzerne. I live in a small town but near some major metro areas. I have a car and can get around. But even when I want to go do something, I’m faced with the inertia of choosing. I’m going to do what I’ve done in the past. I’m going to gather some ideas of things to do and make lists of free things, low cost things and moderate things. I’ll keep those lists handy and once a week or so, I’ll pick something from an appropriate list based on my budget. I’m less than an hour from some amazing museums that are free or low cost and less than a gallon of gas away. My hobby is art work and going to museums would be inspiring. Just as inspiring would be a trip to the library to thumb through coffee table books.
Thank you so much for sharing. I hope that you have a wonderful weekend.
Margaret, you are beautiful.
Radiant resilient and strong.
I am proud to share this age group with you.
❤ and hugs to you Margaret! Such a great video. I often feel bad about my income even though I'm doing okay. I do many of the frugal things you talked about. If I only need a few things at the store I walk with a small backpack. I don't use gas & I get exercise! Also, I try to make a game out of seeing how frugal I can be! It takes a while for hot water out of faucet, so I collect the cold water and use it for cooking & watering my 2 plants. So happy I found sixty and me❤
Thank you so much for your feedback and for your ideas. There are so many creative ways to save and be efficient. I really appreciate you. Thank you.
Great perspective! Inexpensive entertainment that friends and I do...Game Day. Board/card game, good conversation, potluck dinner/snacks....group photo after to celebrate the day.
I think i said this once before .. my husband and i moved from the city to a lovely country town but with retirement coming it was too expensive on a pension soooo.... we moved to a small beachside town bought a 161yr old stone cottage. We spent 3 years renovating and made a comfortable home for ourselves. Rates etc are a third of the price , the people are so lovely and friendly😅. We are retired and don't have an extravagant life but a happy contented one... you make good sense and good advice . 👍 ❤
Thank you so much Freda for sharing
You are so right about this being a very real problem for many women. I feel incredibly fortunate and I remind myself daily how life could be far more difficult and I could have easily been in a very different financial situation. My heart goes out to anyone dealing with this. I had very limited resources growing up and into my early adult years. It's not an easy road by any stretch. Thanks Margaret. You have such empathy and compassion.
I moved from a large city in Ontario, Canada to small town and was able to buy a small condo and have a little security. Far from family but not a lot of choice otherwise.❤
Thanks for sharing!
Thank you for this video, Margaret. Looking back, I was brought up in poverty, but i never heard that word spoken. My nan and mum were so creative and resourceful. I never wanted for food, clothing and definitely not love.
I recently heard about a group of retired ladies who meet 2 or 3 times a year for a clothes swap. As I really don't need or want to buy any new clothes, this might be a great idea!
Clothing exchanges are really great idea. Thank you for sharing your story.
I’m a cookie gal, too! I exchange things in my mind; eg. I get to buy the cookies I like with my coffee, and maybe buy a cheaper brand of coffee, etc…it’s actually kind of fun!
Thank you so much for this video to come, Margaret. From your videos, I have completely rethought my own future. I have been trying to sell my little bungalow ( 1960s build in the UK ), which is in need of modernising but beyond what I could afford to do. Not sold yet due to market conditions and sadly, I have had two broken chains in the last 10 months. But they say everything happens for a reason and given I was thinking could I find something a bit bigger once I had sold, I realise that would be so foolish when I could get rid of ‘ stuff ‘ and find a more modern, easy to keep, easier to heat home ( albeit a house ), for myself. Looking forward to this video and thank you for getting me thinking and into a different mind set. 💕
❤. Hugs. I believe the timing will work out for you and I suspect that downsizing is something you will not regret
Thank you for your encouragement. 💕@@ClementiasCardsandQuests
Always a great topic to discuss and some excellent suggestions here. Thanks, Margaret for your insights and encouragement. You're always a cheerleader!!
You are so welcome!
Such sound advice Margaret. I could have benefited from loud budgeting when our children were young and I felt embarrassed about not being able to afford meals or even coffee out, travel etc that friends seemed to effortlessly manage. Silly now looking back, doesn’t matter to me now but your comments strongly resonated. Thanks again Margaret, value and appreciate your openness and sharing your vulnerability with it, wonderfully grounding views on living and humanity. absolutely need more of your compassion rippling around the world 💕🌺🦋
Hi Sally. Thank you so much for your comment. I also wished I had use this in the past. But for now we move forward :-) thank you for your feedback and have a wonderful weekend.
I’m 41 but I love your videos! So much wisdom! You are like a loving grandmother to me. You are a blessing! 🫶🏾❤️
Thank you you are very welcome here. Really our messages for all women and especially those in their 40s and 50s. We were planning to be 60 in the joyful life. Thank you for your feedback.
U.S. veterans/spouses/widows should research any and all benefits that are available. We recently found that my mother qualified for money to help pay for home care or assisted living expenses.
Veterans also qualify for state run retirement homes where all living expenses are included in the rent.
PTL Margaret…you’re absolutely delightful, looking lovely! This was a very helpful episode; loud budgeting, thank you. It allows us to be more comfortable with frugality, to make frugality a goal💯💌!
You are so welcome!🤗
I have a co-worker that rents a house and she rents out the extra bedrooms to help out with the $2200 monthly rent. When I travel she checks in on my three dogs every day and I pay her to do so. My daughter could watch them, but my friend can use the money. We need to help each other.
What a lovely sentiment, you're a good friend to your co-worker and a decent person 🌼❤
Yes, thank you for reminding us that we need to help each other. We need to look after one another.
Thank you, Margaret, great tips! If a person owes a hospital medical balance you can call the MANAGER of billing and ask if you can pay it off with a lower amount in cash. It is all you have and can pay today. Example: Owe $1200, cash payoff $800? This was recommended to me by a friend (hospital board of director and financial planner) May not always work but if you have the money to do it, is worth giving it a try🌺
Yes, this worked for me in the past after having a surgery. Also, I have been able to make payments on some smaller amounts. They take it out of my bank account each month, and didn't charge me interest.
You cannot be sued for medical debt if you are on Social Security. Worth checking out.
My understanding is that a person can be sued for medical debt, however, their social security check or pensions cannot be garnished.@@tracyd2598
@@les0101s It's great when they are willing to work with you! It is so helpful🌺
@@tracyd2598 Thank you for the info! I wasn't aware of that🌺
Thank you for sharing these thoughts. Thinking of selling home to move nearer my son so it’s easier for him and to help the loneliness issues. But it’s an older neighborhood and near a city rife with crime. We’re all professionals but today’s prices across the board pose money issues for all of us young and me now on fixed income at age 77 dumped after 30 years of marriage. One tries to be brave but unseen forces assail us and how to we fight back? Sites like yours and honest discussions at least lend support on many levels.
Being heard and being supportive for each other is a wonderful gift.
Thank you.
Take care of yourself, agree this is a wonderfully inclusive site xx
I find that my budget is the key to simplifying very tight Financials. For me it takes away any of the shame as I do loud budgeting and merely say, it’s not in my budget.
And setting a budget gives me the power to decide where my money goes.
Thanks Margaret! I hope you enjoyed your cookies!
Thank you Margaret for all your help! We value U too and all you are doing🥰🥰🥰
Margaret, I'm a 55 yr old Canadian, and I love your channel. Your information and compassion shine through everything you post. Thank you for all you share with us women. ❤️
You are so welcome
I love you too Margaret. For the last 3 years I have learned and have been comforted by your amazing videos on RUclips. Again, today, you changed my perspective on a topic that no one in my circle is comfortable with talking about. Thank you for helping me see that I’m not alone with the struggle for survival (financially). I’ll use your suggestions to release the shame I have felt. Meanwhile, these are the fun things I enjoy for free: Birding, online library, RUclips. 🌸
Thank you so much for sharing. I’m really glad that the content has been value to you over the years. It is certainly helping me on my journey too :-)
Thank you. I like the loud budgeting concept. I'm going to "come clean" to my children and no longer put forth the pretense that everything is easy for me to afford. They are all adults and it's time. Thank you!
I came clean to my daughters a short while ago, that I would not be able to help them out as much as before because I am putting myself on a budget and will need to save more money.
I’m so excited about budgeting out loud. 🎉. I think trying this out is also going to help in understanding the dynamics of relationships
Those are all helpful tips. Thank you, Margaret. I am fortunate that my husband and and I planned for our retirement in our younger years so that now that I’m a widow, I can stay in the 55+ mobile home park where we’ve lived for 20 years. I sort of went on a spending spree after he passed just trying to fill that big void that was left at the time (last June) but have come to my senses since then. My credit card was compromised recently and I don’t have a backup card. It forced me to just use my debit card for food and gas for a while and I will continue to do that for the rest of the month. Huge savings in taking some time off from anything but the necessities.
Thank you for this topic. Our lives changed 8 years ago. I became a spousal caregiver. Had to sell our business sell our large home, finances are still being juggled. All oyr equity is in this home. That money could come in handy here in our 60's+. Maybe it's time to consider downsizing once more. Thanks again.
Thanks for sharing!!
Margaret I adore your honesty and your willingness to share yourself and your struggles in the honest way you do. We all deserve support and thank you for encouraging that with all of us.
Thank you so much!
I love my airfryer and I hardly ever need to turn on my oven. Ebay is my first port of calif I need any clothes.
Yes, you can find some real bargains on brand names there. Poshmark is good too.
Dear Margaret , you are a wonderful , insightful person !Thankyou for normalizing tough situations . Bless you
You are so welcome
Margaret, I want to tell you how happy I am that you actually took the time to write back and respond to my text. I'm so happy you are doing well!! Health is everything to me.
I am exercising while listening to your video on ways to save and great ways to share with others if necessary.
I moved from Baltimore to Florida after I sold my home. I live in a very affluent area, but chose a Condo that is 850 square feet. I am very happy because I made it cozy . I think a lot of happiness is your mindset and choice. Over the years I spent on my son because he came first. I'm 71 now and thank G-d I'm healthy and peaceful. To me , those are the important things. Everyday when I wake up I say thank you. You may want to listen to Mo Gawdat on happiness. Love you Margaret. You are an angel 😇 to me. With love, ❤❤❤❤❤❤❤❤
Thank you, Cindy
Some transit systems have a Senior's pass for 45 dollars a year. I got mine. I take art lessons for free with the local arts council. I volunteer a lot, attend festivals, events for free in exchange for a bit of work. I bought my furniture second hand from an online thrift shop in my area that delivers! And yes, I buy a lot of clothes second hand or on sale. I'm looking at a program that subsidizes Seniors for buying at the local Farmer's Market. Most towns have an advocacy group for Seniors, see what goodies/ subsidies are available.
Thank you so much Catherine for yourself.
I love the color of your top, one of my favorites, and it looks beautiful on you. Thanks for sharing your most up to date information and options on how best to handle financial difficulties in our older years and even younger years. It’s a lot of responsibility just to take care of ourselves with the major world and lifestyle changes we all are going through. Thank you for your help. ❤️
I love you, too!! Your jewelry is beautiful. You had good ideas here. Thanks!
Thank you Margaret for all your positive videos. Money is a difficult topic and you gave it such a good place today.
You are so welcome
Margaret, your compassion, kindness and wisdom is amazing. I am so grateful for you and for all that you give to us. Sending so much love your way! ❤️
You are so welcome
Yes yes
Great topic !
Thank you for sharing.
When I go to the store,i take a list of items i need ... and this help me to stay in my budget.😊
I take this as well. And I agree it save so much and impulse purchasing.
I moved to a small town to be near my daughter. She drives us places. Won’t accept gas money which is very kind of her. I used to carpool to work for awhile too. I still drive to the grocery , church, and library. I buy flower seeds and enjoy flower gardening as a hobby; About food: eating more fruits and vegetables and my health has improved! Next goal: to try to save for the unexpected. Margaret, you are a lovely, sweet and caring lady, and I do enjoy your videos! Shari from U.S.
Thank you so much Shari for your wonderful feedback and compliments. Thank you.
I appreciate the info. I have 6 dollars left to last to the first of the month. I have groceries but no gas money. I have forced savings but I dont touch it. I am saving for my own condo
Hang in there 😅, do you have a community garden nearby. Sending you lots of positive thoughts 🌺
Good for you
Hang in there you will make it
The loneliness of poverty really hit home…so true.
I’m mi
Yes Margaret. The changes you suggest can Indeed be scary. And one person's "scary" is adventurous for another person. Downsizing makes huge sense, where possible. Moving to a less expensive región, yes! Even though we are still working, and travelling, I do batch cooking.
Margret you are such a special person speaking to this topic and many more. When I listen to you it all makes sense. You really show compassion to you listeners. Thank you for your great content😍.
You are so welcome
If you live in a house with spare bedrooms trying renting on short term renting to earn extra income
I was born and raised in NorCal. This is my home and nothing/nobody is going to make me leave! 🏡
Sacramento, California USA 🇺🇸
Margaret, your messages are always meaningful to hear, and the love you exude is a joy and blessing.
I’m newly retired, have always had one or three jobs at a time, self reliant to a fault, and facing the loss of a paycheque for the first time in 50 years is terrifying me. I have a spouse, but have always been the breadwinner and he is very bad with money. The adjustment is brutal, realizing all I will need to replace that work gave me. One thing Im just realizing is how now living on a fixed income and much tighter budget will cause separation and distance from some relationships I have with people who are in a very different economic situation than me (now). One thing I’m grateful for is that I grew up poor and I know how to adjust ( not just work) and that my best friendships are with others who share this life experience. As you can gather ….this could be a great topic for one of your wonderful talks. Namaste.
Hi Donna. Thank you for sharing your story. Since I had a very poor upbringing as well I do appreciate completely what you’re saying. It is a good topic and perhaps I’ll talk about it in a video soon. Thank you for being here. You’re going to be OK you’ve got the right values in the right places and I have a lot of respect for you.
Thank you, Margaret, and of all the things you suggested, "budgeting out loud" is one of the most powerful. BTW, I thought you looked especially pretty today. I love the deeper colours on you, and I thought the layered necklace and sparkly earrings were lovely.
Thank you so much Angie. I’m glad you found the article of value but I do also really think the budgeting out loud strategy is an amazing powerful tool to use.
love you with a petite-size necklace! displays your décolletage beautifully.
tres chic
Oh thank you!
Sending love to all who feel alone and struggling.
Wonderful how you share your childhood Margaret and the lack of money . Mine too was such and it is good to know we are not alone . Love this platform Margaret
Great tips Margaret, thank you
You are so welcome!
I was nobody's child. Not only did I live in different Canadian provinces but I lived with different family members and at times I was sent to Germany to live with different family members, so I really was nobody's child. And along with it came not having permanent friends, having no means at all, certainly not any money to spend on any little goodies, and I distinctly remember at one point thinking that the day you got a pork chop was like a godsend. It would have been nice to be more loved and secure, but I learned from it and completely applied all my life lessons to my children. And with it I started a new train of thought for them. It's important that you look at yourself and the world around you and think hey what is there that I need to change that I need to apply to make things better for the next generation. It's not always only about you.
Thank you for this topic ❤❤❤
Stay out of the charity shops on a no spend month. There will always be treasur3s there.
Thank You Margaret for your wonderful and inspiring advices and encouragements in your chats with us.. I am glad that I came across your videos on You Tube. God Bless You and have a wonderful day.
Thank you, Margaret. Hugs to everyone!
You are so welcome
Great topic🎉 👏 you will have to make changes according to your finances, I 🤔 💬 think it's smart to know your budget🎉🎉Margaret the brown top look's lovely on you and the necklace. Have a good day on purpose.
Hugs and Big Love💖 Thank you Margaret xox
Thank you for such an inspirational and also practical video, Margaret! I can feel your love and it means a lot! With love from Japan ❤
Thank you, Margaret 😊
I'm trying to convince my husband to trial a period of time to live in a third world country. I'm favoring Siem Reap, Cambodia, mainly due to their simple Visa requirements. We would be able to travel to several nearby countries that border Cambodia. You can get a nice 1 bedroom for $300 or less. It appears eating out/street food, but even many restaurants, are cheaper than cooking in. I only eat 1 main meal a day, but do eat snacks. I have been studying this for several months now. We could definitely live for a lot less but also be able to enjoy travel to other countries because of that. Here in the U.S. I feel we exist. It has become unaffordable to so many. I am grateful for what I have, compared to many, but it would be nice to enjoy more of what life we have left. I realize this would not be an option many people would choose, but I'm adventurous that way. 😊
It sounds like a great idea to me!
Feel so much better having watched this video. Love from sunny South Africa.
Former teacher from Oregon here- I’ve essentially transferred my base to Mexico (keeping only an inexpensive storage unit in Portland). Sold my car too. My life in Mexico costs roughly half of what life in Portland cost, and it’s only that much because I am currently in a heavily immigrant/expat area in Mexico. My Spanish has improved significantly, which means I would feel comfortable living in other parts of the country so I could easily live well on 1/3 of the $ it took to simply survive in Portland.
I hope your husband is willing to try going to Cambodia-it will be amazing!
One thing I would encourage women in our community is to use food pantries. It helps stretch your budget and provides basic food. And many have hours for seniors only or serve seniors only. People in the same situation. And so many libraries loan out board games. We get together and have fun for free…good for our brains.
Thanks Nina for those very useful suggestions. I didn’t know that libraries handed out board games and also agree with your recommendation to use food banks- people are very generous 🌺
I left Austin, Texas, a year ago because it was too expensive, and I wanted to retire. I am now an expat in Tbilisi. I work part-time teaching English to supplement my SS income; and am living comfortably and content. I stick to my budget. My grown children do not need me. I have made plenty of friends; enjoy attending the ballet, concerts, and ballet. I am still able to travel. Bonus: I feel much safer living here than it did any place I lived in the States.
Sounds like you’ve found a perfect home!
Well said Margaret!! Thank you for all that you do and give to this community.
Thank you so much Patricia. Hope you have a wonderful Friday lovely weekend.
Margaret 🎉 I love my 🍪 cookies as well, I get the gluten free cookies , 😋 yummy , no shame in that, you have to be 🙂 👍 nice to yourself as well, I will also buy that cup of ☕ coffee when I'm out it make me feel relaxed, and since I only do that when I'm out that is not that often , why not 🎉🎉 Thank-you for this topic❤
Please do more videos on this subject. Thank you. Margaret
Thank you for sharing ❤ Blessings dear friend.
Such a valuable conversation, Margaret. Thanks for always keeping things real! I’d love some advice about selling jewelry, if anyone has experience and good experiences. Thanks ❤❤❤
Thank you! Great advice!
You are so welcome!
I just purchased a air fryer instead of turning on the oven heating it and baking for 60 minutes i use my air fryer. I think its healthier to. I also found it in line foe a discount.
By the way, you look adorable today. Your makeup looks jazzy yet natural. You look good in wine.
Thank you I live on a fixed income and it's difficult in this economy and sometimes it makes me sad when those times come I play a game with myself I think of it as a challenge how can I win this game it helps me and I seen to come up with some pretty good strategys
Hi Robin. That sounds like a really interesting strategy and I appreciate you sharing. Thank you.
Looking lovely today, Margaret.
Thank you for your information.
You are so welcome
I absolutely love your podcasts Margaret!!❤
Thank you so much!
Thanks a million for this one Margaret!
Glad it was helpful!
Outstanding video! Good advice for anyone in any situation.
Thank you
I am enjoying your videos and I don't think 15 minutes is long at all! I prefer long videos so I can get a lot more information each time I open one up
Awesome! Thank you!
Thank you, and you look great.
Thank you!