@@anoodono1841 I can delete them here on my own channel. But I can't delete them on anyone else's channel. People who comment are not designated moderators. All they can do is alert the channel owner.
You taught me not to be frightened of having a small income. My priorities still are pay the bills first and live on the rest. Living in that sort of reality pays dividends.
I was taught as a young woman by my mother to always pay all the Bills first. What is left over can then be spent or saved. I lived very well on that advice!
In the 90s everybody was doing an Apprentice role. Learning a trade, a skill. My step dad said, learn a trade and you'll never be without work. Ive been a Market seller from age 14. £18 I earned for 12 hrs. Then Hairdresser. Then a Carer in the community, hard work but very rewarding. Then I've been a Cleaner in the community. Taught myself Crochet 4 yrs ago, Ive sold blankets, hats, scarfs. Im self taught Artist, sold my own Art work. This weekends meal, 89p for brocolli, bag potatoes £2.00. Bag carrots 89p. Bag of small red onions 99p. Fry onions in olive oil. Boil brocolli. Then boil carrots, dice up the potatoes, chuck it all in, 2 veg stock cubes. Simmer on low 40 mins to 1 hr. Either leave it chunky, or blitz it up, serve with toasted bread, bit of Cheese or vegan cheese. Then make enough to freeze in sandwhich boxes, lasts for 1 month in freezer.
Thank you for all your money saving tips 💜 I took your advice on the yellow stickers and used the money saved each month to over pay my mortgage and the last payment was in 2021 💜💜💜
You are an amazing lady. Thank you for giving this advice, common sense, and using cash. I am on your theme here. We need to help these young people and others 😊 xxx thank you
I started work at 16 paid my mum my keep and managed to provide for my needs and some wants, I married and left home at 18, joined hubby in Germany (he was in the forces) and just got on with life. We opened a saving account before we left the U.K. and 4 years later when we moved back we bought a house with our first ever debt, a mortgage, we then bought second hand furniture and made ourselves a home, no car, no central heating, no tv or phones, today is a different world. I think it’s much harder, especially if they’ve had so much comfort provided for them at home. It’s sad that so many are disheartened trying to afford basic needs, but your advice is the true reality to survival, and hopefully success.
Brilliant video! I’ve been a follower for a while now and started shopping ‘yellow stickers’ after a money saving tip from you. I have also now finally separated Needs and Wants in my Brain and it’s been a life changer. Thank you xxx
Cook at home,, take your lunch to work, take water bottle, never buy coffee out, and keep away from shops food shopping once a week with meal plan walk where you can enjoy parks libraries met friends at home with scones fresh from oven they will love tell one to bring jam another cream watch a dvd from the library together have fun
You have given lots of excellent advice. Just to stress what you mentioned, i.e. don‘t give in to peer pressure to spend, be it on clothes, shoes, make-up, or even going out for an evening. Just tell your friends it is not on your budget. If you are able, sit down and make yourself a budget and write down every penny you spend. Consider the musts: rent, heat, water, electricity, food and clothes, insurance. Try to save a little bit each month and put that in your “emergency“ envelope, for, yes emergencies. For example if you find yourself suddenly without a job, you will have an emergency fund to pay that month’s rent. Good luck to all those struggling with their finances.
Thank you Ilona yes times are harder now for the new generation we have been there and learnt the lesson to spend a bit save a bit but for many years there has been wealth for the younger generation so they have'nt had to think about hard times life has been good with big cars, big houses and big holiday's how wonderful but then you get this happen high prices and everything costing a small fortune interest rates sky high and its breaking them because they lived so close to the edge each month but its a good lesson that many of us learnt at a young age.God Bless them I hope the get some help dept is a heavy burden .x
Ilona, I took your advice. Ive ditched the Banking app. Dont need it! Got 2 direct debits. The rest I withdraw cash out to pay bills. Its never been so easy. I know exactly, what money I have. And know what Ive saved. A lady aged 99 said to me, you dont get rich by spending it all the time.
Fantastic. It is so easy when you physically control your own finances. Banks just want to rob you. Internet want to sell you stuff you don't need. Eating out is for mugs when you can easily prepare tasty food in your own kitchen.
I Did same thing had a dorm at the college then got a job and rented a bedroom till I got into a flat , kept out lights an heat down put on layers I baught at charity shops an 4 blankets and I found good food in grocery bin's.
When people say they have no money today it means they can only buy lunch, coffee and have a manicure this week....when we said we have no money it meant NO MONEY at all, no debit cards, credit cards, etc you ate what was in the fridge full stop not have a take away on friday when you get paid. I had tenants who would say they didn't have all the rent due on the 1st and yet had food delivered that night...took a cab to work cause it was raining.!! We have been watching the show Can't pay they will take it away and they always have mountains of clothes and toys all over the house yet never paid the rent.
Glad she found your channel, as you are a great resource person to show how be thrifty and enjoy life 😊 Yes, I like a print out of bank 🏦 statements. Great chat 👍🇦🇺🍜
Hello Ilona. So sad that Down the Lane Forum has been taken off, especially without warning. I would have liked to say goodbye to people. I will miss it, but I can watch you.!. My parents were very strict with money. When my Mother went shopping, there were no gifts brought back apart from one occasion when she bought me a little Rosebud doll, the ones which knitting patterns were published in magazines. Several friends had mothers who regularly returned from a trip with gifts. But I remember my little doll to this day. I left home at twenty one, and shared a flat with a friend whose family owned a grocery store. She could not believe the price of things. We didn`t have large pay packets, but we had fun making ends meet.
Hello Susan. Nice to hear from you. I didn't know Down The Lane has gone. I lost my log on password and details when someone messed around with my computer. I has been going downhill for a long time. I often wonder about Richard. He disappeared. Is he still around. I don't know. I think people of our age had a lot more money saving instructions from our parents. The youngsters of today don't get that kind of help.
Red Pepper soup. 3 red peppers, 2 onions, 4 celery stalks, tin tomatoes, 4 veg stock cubes, jar or packet of Passata sauce, olive oil. 3 pints water. Big pan lol 😂. Blitz it up at end. Lovely soup with depth of flavour.
Great advice. I also paid off my mortgage. I have just had a reduction on my weekly income of £42.00 so I am, this weekend, going to start meal planning. I can make a portion of cheap minced beef ( from Lidl) into a bolognaise and split into 4 portions. I am not looking on the loss of income as a bad thing.... I am embracing the challenge. Sending love from Devon xxxxx
Regarding my heating I only turn it on when I need it Never ever leave it on during the night and when I go out Turn it down few degrees when the temperature go up I just had my gas bill in January 2025 3 monthly one It wasn't too high Thank God
You need it on all the time in this country even in summer. We need it on overnight, it's just not affordable but it is too cold in bed. I wake up all the time. I think Canadians must get it cheaper because I've heard them say their heating's on 24/7. So we suffer more than them even though they're miles colder.
I'm lucky, I'm in an area that has a zero waste project. The volunteers collect supermarket food that would go to landfill and distribute to local people for free . It is not a foodbank so is open to everyone ... these schemes are opening all over the country.. My current frustration is that .. I used to check the air pressure in my tyres weekly ( that saves money for economy when driving ) My car is my independence ... Little local air machine £1. coin... no problems for years.... recently they changed the machine.. not cash, £1.50 charge , tappy card ( which I don't have) and touchscreen ( I can't use due to neuropathy ) Yesterday I drove over 5 miles trying to find a working air machine..... none available, so what do we do ? ... at the moment my tyres are not great at all.... and no machines to resolve the problem. I might have to chat up the guys at the local kwik fit.... and pretend to be a 'poor helpless little old lady' .. 🤣😂... NOT....
It's a mind shift. You have to go from the pleasure of spending to the pleasure of saving. Instead of blowing your pay cheque on wants you focus on just needs with a few little wants and then save the rest. As the savings grow and compound it gets really exciting! There will come a time when you get to have both, where your interest earned is enough to live on so you can spend on needs and wants without any fear.
All your tips as always are superb . Only trouble is this frugal living is not sustainable .. how long can you go on eating the basics and we should not have to live like this all the time . Okay in your 20s as a start out but in your 50/60s it is unpleasant .
It is sustainable for as long as you want it to be. Nothing wrong with basics. I paid my mortgage off when I was 63. Only then could I loosen the purse strings a bit. Now at 75 I can eat anything I like. But I still shop at Aldi, having dropped M & S and Sainsburys. Far too expensive.
I don.t think the younger generation would be able to live your way A few yes.but things are so different now.borrowing money is so easy My dad would say to me save for something you want no hp.and no no borring
I know my daughter wouldn't be able to cope scrimping and saving, she can't be bothered peeling a potatoe or a carrot. In the 80s my mum got me and my sister peeling veg every nite for tea.
Hi IIona me too know how to budget and no I don't have direct debit set up except for broadband Insurance I pay over the phone All my utilities I pay with cash 😂😂😂 and of course food shopping 😂😂😂
I am 56 left home at 17 started from scratch I remember I was little girl I asked mum for a toy she said no my unties bought it for me I got into big trouble from mum
Rice and beans are great, I eat a lot of those myself. But the cheapest food is what you grow yourself or forage for. For example a few years back my husband bought a young blood orange tree for $7.95 US dollars plus tax (about 8 1/2 dollars total), and planted it in a sunny area of our back yard (garden, I think you call it). It did take five years for it to grow large enough to produce a good crop of oranges. But now each year all by itself it produces a very large crop of delicious blood oranges -- we eat a lot of oranges and we give away many more than that. That's cheap, and the oranges are delicious. Totally free are our pretty wild violets growing in our lawn, more and more each year. Wild violets don't taste like much and aren't crisp, but they are very nutritious and mix well into salads and sandwiches. You can eat the flowers and the leaves and stems. But don't pull up the whole plant; some leaves need to remain on each plant to keep that plant alive and growing.
She has shown us some of her meal preparations in past videos -- they are archived here. They are quite interesting. One I especially liked showed how she put scraps of food, even leftover lettuce, into her cooking pan to make soup. I think she said she just ate out of the pan and put anything left into the refrigerator still in that pan. I thought that was very effective efficiency.
I check comments daily and spam will be removed.
@@meanqueensuperscrimper8908 yes there looked weird spam messages last nite too, saw them. Xxx
You are lucky t b able t delete them. Google don't allow us commenters delete spam anymore!
@@anoodono1841 I can delete them here on my own channel. But I can't delete them on anyone else's channel. People who comment are not designated moderators. All they can do is alert the channel owner.
@@anoodono1841 as a subscriber you can press on the comment and report spam, youtube removes spam and then blocks them if it is spam.
You taught me not to be frightened of having a small income. My priorities still are pay the bills first and live on the rest. Living in that sort of reality pays dividends.
I was taught as a young woman by my mother to always pay all the Bills first.
What is left over can then be spent or saved. I lived very well on that advice!
It's quite hard to define a "low income".
One person's idea of low might be 20k, another person 9k.
In the 90s everybody was doing an Apprentice role. Learning a trade, a skill.
My step dad said, learn a trade and you'll never be without work.
Ive been a Market seller from age 14. £18 I earned for 12 hrs.
Then Hairdresser. Then a Carer in the community, hard work but very rewarding. Then I've been a Cleaner in the community.
Taught myself Crochet 4 yrs ago, Ive sold blankets, hats, scarfs. Im self taught Artist, sold my own Art work.
This weekends meal, 89p for brocolli, bag potatoes £2.00. Bag carrots 89p. Bag of small red onions 99p. Fry onions in olive oil. Boil brocolli. Then boil carrots, dice up the potatoes, chuck it all in, 2 veg stock cubes. Simmer on low 40 mins to 1 hr.
Either leave it chunky, or blitz it up, serve with toasted bread, bit of Cheese or vegan cheese.
Then make enough to freeze in sandwhich boxes, lasts for 1 month in freezer.
Youngsters these days just want to become famous making tiktok videos. Thank you for your money saving tips.
Asked a teenager: What do you want to do when you leave school?
I'm going to be an influencer....... 😢
Thank you for all your money saving tips 💜 I took your advice on the yellow stickers and used the money saved each month to over pay my mortgage and the last payment was in 2021 💜💜💜
Fantastic 😊
Great. Just what I want to hear.
I found you pre my retirement and your good advice stays with me. Thank you.
Very good video! Good advice. 😎👍🌺
You are an amazing lady. Thank you for giving this advice, common sense, and using cash. I am on your theme here. We need to help these young people and others 😊 xxx thank you
I started work at 16 paid my mum my keep and managed to provide for my needs and some wants, I married and left home at 18, joined hubby in Germany (he was in the forces) and just got on with life. We opened a saving account before we left the U.K. and 4 years later when we moved back we bought a house with our first ever debt, a mortgage, we then bought second hand furniture and made ourselves a home, no car, no central heating, no tv or phones, today is a different world. I think it’s much harder, especially if they’ve had so much comfort provided for them at home. It’s sad that so many are disheartened trying to afford basic needs, but your advice is the true reality to survival, and hopefully success.
Yep. My fist weeks wages was £5. I gave mum half of that.
Brilliant video! I’ve been a follower for a while now and started shopping ‘yellow stickers’ after a money saving tip from you. I have also now finally separated Needs and Wants in my Brain and it’s been a life changer. Thank you xxx
Keep going Marlene. Stop before you splash the cash. Ask yourself, do I really need that? Will I die if I don't buy it?
Cook at home,, take your lunch to work, take water bottle, never buy coffee out, and keep away from shops food shopping once a week with meal plan walk where you can enjoy parks libraries met friends at home with scones fresh from oven they will love tell one to bring jam another cream watch a dvd from the library together have fun
Thank you for those great tips.
You have given lots of excellent advice. Just to stress what you mentioned, i.e. don‘t give in to peer pressure to spend, be it on clothes, shoes, make-up, or even going out for an evening. Just tell your friends it is not on your budget. If you are able, sit down and make yourself a budget and write down every penny you spend. Consider the musts: rent, heat, water, electricity, food and clothes, insurance. Try to save a little bit each month and put that in your “emergency“ envelope, for, yes emergencies. For example if you find yourself suddenly without a job, you will have an emergency fund to pay that month’s rent. Good luck to all those struggling with their finances.
Thank you Ilona yes times are harder now for the new generation we have been there and learnt the lesson to spend a bit save a bit but for many years there has been wealth for the younger generation so they have'nt had to think about hard times life has been good with big cars, big houses and big holiday's how wonderful but then you get this happen high prices and everything costing a small fortune interest rates sky high and its breaking them because they lived so close to the edge each month but its a good lesson that many of us learnt at a young age.God Bless them I hope the get some help dept is a heavy burden .x
Ilona, I took your advice. Ive ditched the Banking app. Dont need it!
Got 2 direct debits. The rest I withdraw cash out to pay bills.
Its never been so easy. I know exactly, what money I have. And know what Ive saved.
A lady aged 99 said to me, you dont get rich by spending it all the time.
Fantastic. It is so easy when you physically control your own finances. Banks just want to rob you. Internet want to sell you stuff you don't need. Eating out is for mugs when you can easily prepare tasty food in your own kitchen.
I Did same thing had a dorm at the college then got a job and rented a bedroom till I got into a flat , kept out lights an heat down put on layers I baught at charity shops an 4 blankets and I found good food in grocery bin's.
When people say they have no money today it means they can only buy lunch, coffee and have a manicure this week....when we said we have no money it meant NO MONEY at all, no debit cards, credit cards, etc you ate what was in the fridge full stop not have a take away on friday when you get paid. I had tenants who would say they didn't have all the rent due on the 1st and yet had food delivered that night...took a cab to work cause it was raining.!! We have been watching the show Can't pay they will take it away and they always have mountains of clothes and toys all over the house yet never paid the rent.
Well me personally I can't afford any of that or even buy a pack of new socks.
Exactly
Glad she found your channel, as you are a great resource person to show how be thrifty and enjoy life 😊
Yes, I like a print out of bank 🏦 statements.
Great chat 👍🇦🇺🍜
Hello Ilona. So sad that Down the Lane Forum has been taken off, especially without warning. I would have liked to say goodbye to people. I will miss it, but I can watch you.!. My parents were very strict with money. When my Mother went shopping, there were no gifts brought back apart from one occasion when she bought me a little Rosebud doll, the ones which knitting patterns were published in magazines. Several friends had mothers who regularly returned from a trip with gifts. But I remember my little doll to this day. I left home at twenty one, and shared a flat with a friend whose family owned a grocery store. She could not believe the price of things. We didn`t have large pay packets, but we had fun making ends meet.
Hello Susan. Nice to hear from you. I didn't know Down The Lane has gone. I lost my log on password and details when someone messed around with my computer. I has been going downhill for a long time. I often wonder about Richard. He disappeared. Is he still around. I don't know. I think people of our age had a lot more money saving instructions from our parents. The youngsters of today don't get that kind of help.
Yes I also feel sorry for Young People is very hard Wise Words 🌻
Thankyou for good advice there thankyou i love watching u hope ur doing ok x
Very good advice, indeed....😊
Red Pepper soup.
3 red peppers, 2 onions, 4 celery stalks, tin tomatoes, 4 veg stock cubes, jar or packet of Passata sauce, olive oil. 3 pints water.
Big pan lol 😂.
Blitz it up at end.
Lovely soup with depth of flavour.
Yum. I must try that.
@meanqueensuperscrimper8908 yes you must its really tasty Ilona xxx
excellnt advise for young or old
Great advice. I also paid off my mortgage. I have just had a reduction on my weekly income of £42.00 so I am, this weekend, going to start meal planning. I can make a portion of cheap minced beef ( from Lidl) into a bolognaise and split into 4 portions. I am not looking on the loss of income as a bad thing.... I am embracing the challenge. Sending love from Devon xxxxx
That's the right attitude. No matter what anyone throws at you, how tight the budget becomes, you will survive.
@@meanqueensuperscrimper8908 absolutely! xx
I am amazed by your hairstyle it looks amazing. Colour is great I'd keep that colour. It looks good. Great advice on budgeting.😊x
Regarding my heating I only turn it on when I need it
Never ever leave it on during the night and when I go out
Turn it down few degrees when the temperature go up
I just had my gas bill in January 2025 3 monthly one
It wasn't too high
Thank God
You need it on all the time in this country even in summer. We need it on overnight, it's just not affordable but it is too cold in bed. I wake up all the time. I think Canadians must get it cheaper because I've heard them say their heating's on 24/7. So we suffer more than them even though they're miles colder.
Hi Ilona, very good tips. Your NOT old Ilona. Take care
Neither a borrower or a lender be.
Shakespeare.
Now that was excellent advice - hope they listen to you - your a smart lady👍
Excellent advice. Sometimes I have to be my own parent and say "no". I don't like it but get over it.. eventually 😂
I'm lucky, I'm in an area that has a zero waste project. The volunteers collect supermarket food that would go to landfill and distribute to local people for free . It is not a foodbank so is open to everyone ... these schemes are opening all over the country.. My current frustration is that .. I used to check the air pressure in my tyres weekly ( that saves money for economy when driving ) My car is my independence ... Little local air machine £1. coin... no problems for years.... recently they changed the machine.. not cash, £1.50 charge , tappy card ( which I don't have) and touchscreen ( I can't use due to neuropathy ) Yesterday I drove over 5 miles trying to find a working air machine..... none available, so what do we do ? ... at the moment my tyres are not great at all.... and no machines to resolve the problem. I might have to chat up the guys at the local kwik fit.... and pretend to be a 'poor helpless little old lady' .. 🤣😂... NOT....
I don't know how to use those tyre inflating machines. I have a local garage that will do that for me.
It's a mind shift. You have to go from the pleasure of spending to the pleasure of saving. Instead of blowing your pay cheque on wants you focus on just needs with a few little wants and then save the rest. As the savings grow and compound it gets really exciting! There will come a time when you get to have both, where your interest earned is enough to live on so you can spend on needs and wants without any fear.
Very good advice. Thank you.
All your tips as always are superb . Only trouble is this frugal living is not sustainable .. how long can you go on eating the basics and we should not have to live like this all the time . Okay in your 20s as a start out but in your 50/60s it is unpleasant .
It is sustainable for as long as you want it to be. Nothing wrong with basics. I paid my mortgage off when I was 63. Only then could I loosen the purse strings a bit. Now at 75 I can eat anything I like. But I still shop at Aldi, having dropped M & S and Sainsburys. Far too expensive.
If you can afford to eat fancier stuff sometimes, you can I agree with you.
I don.t think the younger generation would be able to live your way
A few yes.but things are so different now.borrowing money is so easy
My dad would say to me save for something you want no hp.and no no borring
My mum said. You'll appreciate it more if you save up for it!
I know my daughter wouldn't be able to cope scrimping and saving, she can't be bothered peeling a potatoe or a carrot.
In the 80s my mum got me and my sister peeling veg every nite for tea.
When i got my first proper job, mum told me to get a Cash Book & write down every purchase. Did that for a few months. Seemed to work.
Keeping notes, very useful.
No I don't do on line Banking either 😂😂
❤❤❤
Thankyou wise words advice as always x😊
Aldi is my go to store , overall I don’t think you can beat it
Aldi and lidl I go to
Couple of bits from Sainsbury's
That I can't get at Aldi and Lidl
@@marylynch951 me too ,luckily have a Sainsbury opposite Aldi but wouldn’t do a whole shop there 🥴
My cats don't like Aldi cat food, so I have to go to Home Bargains for that.
Yes, if you cant pay cash, you cannot afford it!
Hi IIona me too know how to budget and no I don't have direct debit set up except for broadband
Insurance I pay over the phone
All my utilities I pay with cash 😂😂😂 and of course food shopping
😂😂😂
You've got it right there, Mary. Look after the pennies and the £'s will look after themselves.
🙏🙏
I am 56 left home at 17 started from scratch I remember I was little girl I asked mum for a toy she said no my unties bought it for me I got into big trouble from mum
A haircut isnt a need its a necessity somethings are non negotiable
You won't die if you don't get a haircut. I cut my own, it's free.
Lookin Great ilona .the hair looks good.. and the black sweater. ❤ your the perfect lady to give Money 💰 Saving Advice.
Best wishes Levi xx
I used too tell my sons
Money doesn't grow on trees and if it does we haven't got one
❤how are you
The cheapest food is rice
Beans too!
Rice and beans are great, I eat a lot of those myself. But the cheapest food is what you grow yourself or forage for. For example a few years back my husband bought a young blood orange tree for $7.95 US dollars plus tax (about 8 1/2 dollars total), and planted it in a sunny area of our back yard (garden, I think you call it). It did take five years for it to grow large enough to produce a good crop of oranges. But now each year all by itself it produces a very large crop of delicious blood oranges -- we eat a lot of oranges and we give away many more than that. That's cheap, and the oranges are delicious. Totally free are our pretty wild violets growing in our lawn, more and more each year. Wild violets don't taste like much and aren't crisp, but they are very nutritious and mix well into salads and sandwiches. You can eat the flowers and the leaves and stems. But don't pull up the whole plant; some leaves need to remain on each plant to keep that plant alive and growing.
I am keto I don't eat carbs no rice no bread no ceral
@ when you have no money+ no food, perhaps you will reconsider keto
You do talk a lot of sense, perhaps you would show us how to cook some of your meals that you cook for yourself. Enjoy your videos.
She has shown us some of her meal preparations in past videos -- they are archived here. They are quite interesting. One I especially liked showed how she put scraps of food, even leftover lettuce, into her cooking pan to make soup. I think she said she just ate out of the pan and put anything left into the refrigerator still in that pan. I thought that was very effective efficiency.