I came across you Jayne over 10 years ago. I had a huge mortgage on my lovely house. Single person. So you inspired me to retire early. I squirrelled every single penny, paid as much as I could in to my nhs pension. Had lodgers , bought only yellow sticker food. Paid my mortgage off 12 years early. I was hardcore frugal then as I wanted to retire at 55 which I did !. People scorned eating cheap food. Now they don’t!. I,m sitting in the sunshine in Athens and have my Edinburgh house.. most who scorned me will work until 67.
As a single woman I made decisions to buy smaller, finance for less time, and pay off the mortgage early. People thought this was odd but financial peace is priceless. Now i can work less hours, participate in hobbies, and spend time with friends and family. No more working til 9pm and every other weekend
I agree with it all. I'm lucky I learnt to make do and mend from my Mum. Going grey was the best decision I made. My brother-in-law was very surprised I had paid off the mortgage early. I just kept throwing money at it. I've lived in my house since 1999. It's a 1950's ex council house. Huge gardens, we grow lots of herbs and veg. We have a load of wildlife, including hedgehogs. I love our home, I have lovely neighbours. I like a dull simple life. We're lucky to be by the sea, life is good.
No debt means not being scared to open the post, answer the door or the phone. Knowing that should something come your way you can deal with it and it doesn't throw you back into debt. Being able to sleep at night without the worry of bills on your mind is absolutely the best self care there is. Can't stress enough how having a budget keeps you on track and mentaly fit to carry on. Loving my life as a single woman with no stress or worries is just the best feeling I've ever had.
I have never really made a large wage, plus I was a single parent. Until I taught myself frugality as a lifestyle (all started by the Tightwad Gazette) it was stress all the time. I still remember the time period about 6 mths into my frugal journey where I suddenly had over $1000 dollars in savings and it was like a weight coming off. It really did feel like magic...and I couldn't believe no one taught me about it. Now, although I am still low income, I have an IRA I set up for myself and an emergency fund and sinking funds for things. Also I feel very proud that at times when my gen z daughter has needed financial help (our city is very expensive!!!) I have been able to support her and not break a sweat! I am teaching her about frugality now.
Great video Jane! I was born in 1954 and my husband in 1947. Things were different back then. We are debt free except the mortgage of $80,000. We have a low payment but our taxes and home insurance are escrowed into the payment. I pay $200 extra towards the principle each month but it feels like we are going so slow. Medical expenses to pay for our Supplemental Insurance and Prescription Costs are very costly each month. In the US our medical insurance is very expensive and our system quite broken. We are grateful though for our income and the ability to keep paying our bills plus food costs. Thank you for all your great videos!
My husband and I are in our mid 40s, (millennials) we are debt free, own only one car that we paid cash outright. We own our house mortgage free and have a savings plus retirement fund. Frugality keeps us feeling in control of our finances and we feel safe knowing that we have no debts. We are prepared for any emergency without being one paycheck away from calamity. Only thing that we don't feel secure on as living in US is the high cost of medical insurance medical care.
One of the great blessings of this lifestyle, is that you can take time for other people. People have often commented that we get a lot of visitors, and it is true. Sometimes, they send a message ahead to see if we will be home, but quite a lot of them just pop in for a coffee, and there usually is a home made cookie or cake to go along with it. These connections are more valuable than people might think. If they have children, of course they have to check out the chickens and rabbits, adults will check out the garden, greenhouse, flowers and fruit trees. And if other people happen to be there, well, the conversation and exchange of information is amazing.
I found you almost 1 year ago and i so appreciated you breaking down how you budget zero balance and sinking funds... i am just about starting my nee paper budget book(inspired by you) as we started february 1st and i cannot believe how much i have learned and even though we have hiccups throughout the year i have never felt so in control of our spending in the 13 years of our marriage or even before that when i moved out of my own 18 years ago! Thank you for sharing tour experiences, the details make it a lot easier to grasp, to relate and to feeling inspired! 🥰 my husband is beyond grateful for this change in our budgeting as i was quite a spender and he was always frugal 😂
When we were just starting out and when our kids were small, I started being frugal out of necessity because we could barely scrape by: cooking from scratch, free outings, low-waste, etc. Now we are 10 years from retirement, have no debt, and have the money to do things more expensively, but I often find myself still being frugal. I still coupon, buy marked down meat, and cook from scratch. Once you're in that way of life, it stays with you. 😊
I completely agree with everything you said!! Although I've never had any debt I did find myself suddenly in a single parent situation where I had no money, no bank account or credit card and had to rebuild my life in my 40s. Frugality gave me back control of my own finances and my independence. And now having retired early I am so grateful to have all these frugal habits that make my life pretty fabulous even though my total income is way below what's considered average. Great video as always 🙂
I've been frugal and a saver my whole life, although, over the years, I've learned more and more ways to be frugal. I budgeted when I was 17 and first left home. Paying attention to money makes it go where you want it to go. I've been poor and I've had a very decent salary. Budgeting allows everyone, regardless of income, to control where our money goes. It can also be a motivator to save more, make more and cut expenses. It's hard for me to imagine why some people are not frugal.
Being frugal and living a slow simple life as literally changed my life for the better, its taken change and sacrifices but I'm grateful for what I have, I'm a better steward of my resources and less wasteful, I think overall I'm more appreciative and I learned that I have great self discipline which was lacking before. Those years of sacrifice have come into their own now as since September last year due to a change in my health I am currently unable to work due to ongoing treatment. If I need to use my savings then that's what they are there for, you never know when life throws a curveball you only know one day it will be your turn and what then. Xx
This is the best video I have seen on you tube! My story is very similar, bought our house just before 2007 crash and started family then. No budget, 2 lots of maternity leave on credit card, loan for house improvements, car on finance ended with 25k debt. My wake up call was when I had to buy baby formula on credit card and praying it doesnt get declined 😢 I am now debt free with emergency fund, sinking funds and 70k of mortgage left (I am 42 so hoping we can pay it off and retire early). I don't chase trends, have minimal wardrobe and skincare routine. I prefer living more simply and mindfully, spending time in nature and choose experiences over things. Oh and I sleep much better with no financial stress.
The longer I watch this channel the more I think you are my sister from another mother! My husband & I are slightly older than you & Mike, and the life events that made us frugal are different, but we have arrived in nearly the same place & mindset in life as you have. The absence of financial stress, the simple joys of peaceful living and nature, and the gratitude we have for having made the hard choices back then to have the freedom & security we have now are so rewarding!
Possibly one of the most inspiring videos that I have seen on the benefits of frugality- very relatable. I am planning to retire earlier than the 67 that the thieving government has in mind for me. That’s for sure.
Good talk and glad that I learnt how to budget following the loss of my husband. Taking over a books and budget was a sharp learning curve but it quickly took control of the cash flow. Knowing how much money comes into the wallet and puts me in charge of my life 😊 Thank you Jane and Mike for the chat.⛄️👍🇦🇺
Hi Jane, trying to overpay my mortgage as a single woman, on the minimum wage. Thank you for your videos, they keep me going and continue to inspire me.
Hi I m in Eastleigh, Hampshire. I had a buy to let years ago, on a higher salary. I sold that and was able to put down a large deposit on my current house. Yes I m a carer and I m determined to pay it off 3 years early 😊
Great video Jane and Mike, after being in lots of debt while bringing up our family, we had panic stations a couple of years before retirement when I thought how will we manage on a pension, so we bought a do up in a small town, paid all our debt and set ourselves up for retirement, we live frugally like Dave Ramsey tells people to do, wish I knew it wen my children were little, but we now live a happy frugal debt free life at long last.
Great video today Jane. Its nice to here frugal stuff from a fellow ex-teacher!!! I've been getting myself out of debt for just over a year or so. I'm down to my last one - thank goodness. I'm saving for my emergency fund as well. I've never had a car, tumble dryer or dish washer - which so many people think you really have to have these. It has saved me a fortune especially not having a car plus these days its too expensive to run expensive appliances as well.
Your channel has taught me a lot. My life is more about what we can do with our money than just controlling the budget. We can consider projects that we did not think could be achieved with our small retirement pensions . Very good video! Full of hope.
Such common sense in a world which encourages consumerism. You made me smile talking about your weekends, it's almost identical to ours, but when we connect with students on a Monday morning we find that they flew to Colombia for 5 days or spent a fortune in a restaurant for no other reason than 'it's new and you must eat there!'
It is brilliant of you to be aware of a deep gratefulness. It is also critical and wonderful that you are teaching people practical lessons in frugality . Good on you!! Best, Retired at 57 gal
My mum always was thinking what do the neighbours think! I am me I will do it my way! Where I am at the moment Tuesday is pensioners day and I get a 10% discount. I play bowls on a Tuesday morning so not ideal to shop in the afternoon, I save my discount money tomorrowI am going for a fan for my kitchen from my groceries savings, not an extractor fan but a fan to keep me cool while I cook. in 1982 we had to go to South Africa to earn our living though my husband had qualification higher than a degree as he could not get a job in the uk. We made the best of it and have a good life though our pension is lower. Life happens and we must make the best of it.
Such a thought provoking video Jane and Mike. Like both of you I was born in the 60s. 1961 to be exact so I am a boomer. Being debt free, mortgage free and living a simple life brings me great joy and gratitude. I am also so grateful that my son didn’t have to immigrate to get a job or buy a house. So many of the children of the 80s and 90s had to leave in order to get jobs and housing. Thank you for reminding me how lucky our generation was in so many ways. 🙏🙏🙏
Brilliant video, thank you for sharing your personal journey. My mindful money journey started 2.5 years ago and we plan to retire in 2.5 years. Without the changes I made we would never be able to retire. My husband had health issues recently and had to pay thousands out of pocket (don't get me started on the broken health system in the USA) and for the first time ever, we had emergency money to cover the costs and didn't have to go into debt. Knowing that I am debt free, have money for emergencies and savings for our relocation is so freeing and helps me sleep peacefully at night.
I have always been frugal. My husband wasn’t keen on it. I’m glad I was . I became a single Mom after 18 years. Fortunately I was frugal and had a good job. I only had a small mortgage I could handle on my own. I even made extra payments on it. Now at 63 I’m in a great spot with no debt and a decently funded retirement account. I will retire at 65 when I can get Medicare. Here in the US in the future or even now, healthcare will be our biggest expense. It’s so broken. I work in healthcare and it’s getting worse all the time.
I agree that healthcare will likely be our biggest expense here in the US going forward. Like you, I am debt free for which I am very thankful. I do have some health problems and am very, very thankful to have Medicare and supplemental insurance. Not ecerI am widowed and I live off my Social Security. Not everyone is able to do that. I try hard not to touch my savings unless it is absolutely necessary. I'm glad you don't have long until retirement. Diane
I'm retired in the US my additional insurance costs me $0.00 per month. and since the Medicare comes out before you get the check I only look at it when I get what next years check will be. My copay if I go to a doctor is $15 in network, it pays for eyecare and most dental. I also get reimbursed for athletic equipment and things like health clubs, even athletic shoes. Before I retired I was told it would be expensive but hasn't been. If I ended up in the hospital my max out of pocket is around $5,000 which I can easily cover. So don't fear it.
For me the main thing is eating more at home. I used to always buy take away or eat out a lot when living at home. And still do occasionally but have really cut back a lot as it’s so expensive 😊
Thankyou for telling your story ive been there but single debt free now own my home and retired live on aged care benifits so have to be frugal i do volunteering which i love and have two dogs so walk the beach daily live in Australia
I love your channel! Me and my husband are working back paying over 100k in student loan debts. It’s really hard. I feel like we’re not where we should be for our mid 30s, but it’s our debt so we’re working hard while also having kids in school and daycare.
We raised our daughter to talk about money, debt and life choices, she now understands that the choices you make today will affect how you live tomorrow. Her boyfriend at the time wanted her to co sign his car loan at 30%, she didn't and guess what they are no longer together but that car loan would be if he defaulted. She does a budget and pays her bills on time, we discuss money problems of her co workers who earn more than her but are constantly in trouble with bills etc. She worked out that owning a car with all the expenses it would occur wasn't financially feasible at this point of her career, a friend of hers walked into a dealership and bought a 2025 car, we'll see how long she can keep up the payments !
I appreciate all the thoughts but doubly so your acknowledging the privilege. I think that's often overlooked by our generation but it really is a huge factor.
I have managed to make up a decent amount of savings to do things that help me control what I do with my time, rather than being at the beck and call of an employer.
Hi Jane ... I have been following you for about a year now. I look forward to watching your videos Wed., Fri,, and Sunday. Today's video I think is the best motivation video I have ever seen. I started way too late but want to now try to help my gotrandbabies get a good start. They are 11 and 8 and coming into a not so friendly world. We are a couple 80 and 82 and live with our daughter. This has allowed us to save considerably over the past few years. We live in Canada and I avidly check the on-line flyers but do not find much these days but thanks to you and Mike I am motivated every day to save as much as I can. I want to show my grandsons little ways to save without stepping on the toes of their parents. These boys are the sons of my son. Any little suggestions you have would be appreciated. I did have one idea of asking how much they get for allowance each week and taking a per cent of that and multiply if by 52 weeks, put in a physical bank as a Christmas present to show them how much they could save in a year. I would love to hear your ideas. Look forward to tomorrow's video. Again, thanks so much for doing this for us each and every week. Louise
I also have 2 grandsons they will be 2 and 4 this year.For birthday and Christmas they get $50 each and my daughter puts that I there bank.We live in Victoria Australia and we can now get money on cans and bottles so I collect them for the 2 of them and so does there mum they have have well over $200 each put in there bank that's free money.These 2 little boys are going to be in a much better position then I was when they get there first car.
The only thing I have to pay of is my house, I am 35 years old and was lucking enough to find my flat and buy it before the prices when insanely up. And since I now work 30 hours I have found a good balance between making money (and keeping up with the prices of everything going up) but also having free time and doing my hobbies (and having money left over to buy fun things, like a new book or a new lego set.)
I decided in my 20’s to let my hair go grey when it wanted (because I am not disciplined enough for the required upkeep on hair dye) and now that it’s happening…I am totally ok with it. And the makeup? Mostly just special moments or once in a blue moon if I feel like it…but it did feel strange at first. 😅
Thank you for the video, we are debt free and mortgage free inspired by yourself, I have a question please, is your cooker an induction hob and would you recommend it?
I love your videos so much ❤binging them since I found your channel a week ago! Wonderful advice as always. Just drew down my first mortgage. Started my frugal journey a few years back but I definitely need to improve on things. 😊love what you do
Good reminder of this generation of kids (adults) that we raised that can't afford housing. Rent in the US is just stupid. My kids are paying almost double of the mortgage payment that we had for rent....and they get nothing in equity. It is soo hard for them to save for a house.
I feel sorry for todays younger generations. The high cost of living , ridiculously high housing and high medical insurance costs are nearly insurmountable here in the States. I fear my sons don't have a chance to experience the life I had ( I'm 62).
I came across you Jayne over 10 years ago. I had a huge mortgage on my lovely house. Single person. So you inspired me to retire early. I squirrelled every single penny, paid as much as I could in to my nhs pension. Had lodgers , bought only yellow sticker food. Paid my mortgage off 12 years early. I was hardcore frugal then as I wanted to retire at 55 which I did !. People scorned eating cheap food. Now they don’t!. I,m sitting in the sunshine in Athens and have my Edinburgh house.. most who scorned me will work until 67.
Am I as frugal now ? No but I don’t have a lavish lifestyle.
That's AMAZING 🤩
@jacquelinemcmanus3495 poli kala Kiria 🙂 very good 👏👏. Also you are in Athens 🏛 and you have a house in the Athens of the North. 😉🇬🇷🏴
@ exactly laugh.
You are the winner. More fool those that scorned you
Frugality, being dept free, having an emergency fund and savings. It makes me feel SAFE!.
We paid our house off today. Im so happy.
Congratulations!
CONGRATULATIONS 🎉
@@judyduncan1852 🙂🥳🥳
Congrats!!!!! Such a good feeling and good for you.
Congratulations 🙌
My mental health became soooo much better without the financial stress!!
And mine too, money worries are dreadful
As a single woman I made decisions to buy smaller, finance for less time, and pay off the mortgage early. People thought this was odd but financial peace is priceless. Now i can work less hours, participate in hobbies, and spend time with friends and family. No more working til 9pm and every other weekend
Thanks
I agree with it all. I'm lucky I learnt to make do and mend from my Mum. Going grey was the best decision I made. My brother-in-law was very surprised I had paid off the mortgage early. I just kept throwing money at it. I've lived in my house since 1999. It's a 1950's ex council house. Huge gardens, we grow lots of herbs and veg. We have a load of wildlife, including hedgehogs. I love our home, I have lovely neighbours. I like a dull simple life. We're lucky to be by the sea, life is good.
No debt means not being scared to open the post, answer the door or the phone. Knowing that should something come your way you can deal with it and it doesn't throw you back into debt. Being able to sleep at night without the worry of bills on your mind is absolutely the best self care there is. Can't stress enough how having a budget keeps you on track and mentaly fit to carry on. Loving my life as a single woman with no stress or worries is just the best feeling I've ever had.
It's a great feeling
I have never really made a large wage, plus I was a single parent. Until I taught myself frugality as a lifestyle (all started by the Tightwad Gazette) it was stress all the time. I still remember the time period about 6 mths into my frugal journey where I suddenly had over $1000 dollars in savings and it was like a weight coming off. It really did feel like magic...and I couldn't believe no one taught me about it. Now, although I am still low income, I have an IRA I set up for myself and an emergency fund and sinking funds for things. Also I feel very proud that at times when my gen z daughter has needed financial help (our city is very expensive!!!) I have been able to support her and not break a sweat! I am teaching her about frugality now.
You're amazing
@FrugalQueeninFrance aww thanks!
Great video Jane! I was born in 1954 and my husband in 1947. Things were different back then. We are debt free except the mortgage of $80,000. We have a low payment but our taxes and home insurance are escrowed into the payment. I pay $200 extra towards the principle each month but it feels like we are going so slow. Medical expenses to pay for our Supplemental Insurance and Prescription Costs are very costly each month. In the US our medical insurance is very expensive and our system quite broken. We are grateful though for our income and the ability to keep paying our bills plus food costs. Thank you for all your great videos!
Sorry to hear that
My husband and I are in our mid 40s, (millennials) we are debt free, own only one car that we paid cash outright. We own our house mortgage free and have a savings plus retirement fund. Frugality keeps us feeling in control of our finances and we feel safe knowing that we have no debts. We are prepared for any emergency without being one paycheck away from calamity. Only thing that we don't feel secure on as living in US is the high cost of medical insurance medical care.
Sorry to hear that
One of the great blessings of this lifestyle, is that you can take time for other people. People have often commented that we get a lot of visitors, and it is true. Sometimes, they send a message ahead to see if we will be home, but quite a lot of them just pop in for a coffee, and there usually is a home made cookie or cake to go along with it. These connections are more valuable than people might think. If they have children, of course they have to check out the chickens and rabbits, adults will check out the garden, greenhouse, flowers and fruit trees. And if other people happen to be there, well, the conversation and exchange of information is amazing.
Thank you
I found you almost 1 year ago and i so appreciated you breaking down how you budget zero balance and sinking funds... i am just about starting my nee paper budget book(inspired by you) as we started february 1st and i cannot believe how much i have learned and even though we have hiccups throughout the year i have never felt so in control of our spending in the 13 years of our marriage or even before that when i moved out of my own 18 years ago! Thank you for sharing tour experiences, the details make it a lot easier to grasp, to relate and to feeling inspired! 🥰 my husband is beyond grateful for this change in our budgeting as i was quite a spender and he was always frugal 😂
Thank you
Sitting under a tree and reading a book together, mmm sounds wonderful with a cat curled up on your lap
Thank you
When we were just starting out and when our kids were small, I started being frugal out of necessity because we could barely scrape by: cooking from scratch, free outings, low-waste, etc. Now we are 10 years from retirement, have no debt, and have the money to do things more expensively, but I often find myself still being frugal. I still coupon, buy marked down meat, and cook from scratch. Once you're in that way of life, it stays with you. 😊
@@abe2856 that's brilliant
I completely agree with everything you said!! Although I've never had any debt I did find myself suddenly in a single parent situation where I had no money, no bank account or credit card and had to rebuild my life in my 40s. Frugality gave me back control of my own finances and my independence. And now having retired early I am so grateful to have all these frugal habits that make my life pretty fabulous even though my total income is way below what's considered average. Great video as always 🙂
Thanks Ali.
I've been frugal and a saver my whole life, although, over the years, I've learned more and more ways to be frugal. I budgeted when I was 17 and first left home. Paying attention to money makes it go where you want it to go. I've been poor and I've had a very decent salary. Budgeting allows everyone, regardless of income, to control where our money goes. It can also be a motivator to save more, make more and cut expenses. It's hard for me to imagine why some people are not frugal.
@@jonnaborosky8836 you do well Jonna
Being frugal and living a slow simple life as literally changed my life for the better, its taken change and sacrifices but I'm grateful for what I have, I'm a better steward of my resources and less wasteful, I think overall I'm more appreciative and I learned that I have great self discipline which was lacking before. Those years of sacrifice have come into their own now as since September last year due to a change in my health I am currently unable to work due to ongoing treatment. If I need to use my savings then that's what they are there for, you never know when life throws a curveball you only know one day it will be your turn and what then. Xx
@pamelawalton1255 thanks for sharing Pamela
This is the best video I have seen on you tube! My story is very similar, bought our house just before 2007 crash and started family then. No budget, 2 lots of maternity leave on credit card, loan for house improvements, car on finance ended with 25k debt. My wake up call was when I had to buy baby formula on credit card and praying it doesnt get declined 😢 I am now debt free with emergency fund, sinking funds and 70k of mortgage left (I am 42 so hoping we can pay it off and retire early). I don't chase trends, have minimal wardrobe and skincare routine. I prefer living more simply and mindfully, spending time in nature and choose experiences over things. Oh and I sleep much better with no financial stress.
Thank you
The longer I watch this channel the more I think you are my sister from another mother! My husband & I are slightly older than you & Mike, and the life events that made us frugal are different, but we have arrived in nearly the same place & mindset in life as you have. The absence of financial stress, the simple joys of peaceful living and nature, and the gratitude we have for having made the hard choices back then to have the freedom & security we have now are so rewarding!
@@bbrine3294 how very nice of you to say
Possibly one of the most inspiring videos that I have seen on the benefits of frugality- very relatable. I am planning to retire earlier than the 67 that the thieving government has in mind for me. That’s for sure.
I'd have been done in by the stress if I stayed at work any longer
@@FrugalQueeninFrance Me too. (University lecturer.)
Good talk and glad that I learnt how to budget following the loss of my husband.
Taking over a books and budget was a sharp learning curve but it quickly took control of the cash flow. Knowing how much money comes into the wallet and puts me in charge of my life 😊
Thank you Jane and Mike for the chat.⛄️👍🇦🇺
I worked until recently, 2024, and retired at 72. So, now I can continue to travel more regularly, volunteer, do more reading, and enjoy my home.
👏👏👏👏
Make sure you prioritize your health so you are able to enjoy.all these great things now that you are retired! 👍
@@janetstonerook4552 i walk and do weights and crunches
Hi Jane, trying to overpay my mortgage as a single woman, on the minimum wage. Thank you for your videos, they keep me going and continue to inspire me.
I admire you, I have no idea that anyone can afford anywhere to live on minimum wage,
Hi I m in Eastleigh, Hampshire. I had a buy to let years ago, on a higher salary. I sold that and was able to put down a large deposit on my current house. Yes I m a carer and I m determined to pay it off 3 years early 😊
I only use debit cards that have improved my finances for the better thanks, Jane and Mike
Great video Jane and Mike, after being in lots of debt while bringing up our family, we had panic stations a couple of years before retirement when I thought how will we manage on a pension, so we bought a do up in a small town, paid all our debt and set ourselves up for retirement, we live frugally like Dave Ramsey tells people to do, wish I knew it wen my children were little, but we now live a happy frugal debt free life at long last.
Thanks for sharing!!
Great video today Jane. Its nice to here frugal stuff from a fellow ex-teacher!!! I've been getting myself out of debt for just over a year or so. I'm down to my last one - thank goodness. I'm saving for my emergency fund as well. I've never had a car, tumble dryer or dish washer - which so many people think you really have to have these. It has saved me a fortune especially not having a car plus these days its too expensive to run expensive appliances as well.
Lol the description of your weekend is my idea of bliss. I wish I had more more people in my life to share that kind of lifestyle
Your channel has taught me a lot. My life is more about what we can do with our money than just controlling the budget. We can consider projects that we did not think could be achieved with our small retirement pensions . Very good video! Full of hope.
You can do it!
Such common sense in a world which encourages consumerism. You made me smile talking about your weekends, it's almost identical to ours, but when we connect with students on a Monday morning we find that they flew to Colombia for 5 days or spent a fortune in a restaurant for no other reason than 'it's new and you must eat there!'
Ive been doing a no spend month and its been nice to keep bettet track of my expenses
Thank you Jane and Mike for all your hours of loyal work 😊Maria
Our pleasure!
It is brilliant of you to be aware of a deep gratefulness. It is also critical and wonderful that you are teaching people practical lessons in frugality . Good on you!!
Best, Retired at 57 gal
Thank you so much!
Your videos help so many of us Jane and Mike I can’t thank you enough xx
That was such an inspiring video, thank you both so much
Great video as always. I am happy to see you are nearing the 38 k mark for viewership! So happy for u….
Thank you
My mum always was thinking what do the neighbours think! I am me I will do it my way! Where I am at the moment Tuesday is pensioners day and I get a 10% discount. I play bowls on a Tuesday morning so not ideal to shop in the afternoon, I save my discount money tomorrowI am going for a fan for my kitchen from my groceries savings, not an extractor fan but a fan to keep me cool while I cook. in 1982 we had to go to South Africa to earn our living though my husband had qualification higher than a degree as he could not get a job in the uk. We made the best of it and have a good life though our pension is lower. Life happens and we must make the best of it.
Thanks for sharing
Frugality changed my life. I am able to pay my bills.
Such a thought provoking video Jane and Mike. Like both of you I was born in the 60s. 1961 to be exact so I am a boomer. Being debt free, mortgage free and living a simple life brings me great joy and gratitude. I am also so grateful that my son didn’t have to immigrate to get a job or buy a house. So many of the children of the 80s and 90s had to leave in order to get jobs and housing.
Thank you for reminding me how lucky our generation was in so many ways. 🙏🙏🙏
Thanks for sharing!!
Brilliant video, thank you for sharing your personal journey. My mindful money journey started 2.5 years ago and we plan to retire in 2.5 years. Without the changes I made we would never be able to retire. My husband had health issues recently and had to pay thousands out of pocket (don't get me started on the broken health system in the USA) and for the first time ever, we had emergency money to cover the costs and didn't have to go into debt. Knowing that I am debt free, have money for emergencies and savings for our relocation is so freeing and helps me sleep peacefully at night.
I hope his health is good now
Being debt free and having an emergency fund and sinking funds is priceless!
love your tips and what you're sharing. great delivery and I agree on so many points
Thank you
This is one of my favourite talks. I understand what you are saying. I turn 60 in February. A fellow 1965 model.
Thanks Jane and Mike, another great video. So honest, so relatable
Our pleasure!
I have always been frugal. My husband wasn’t keen on it. I’m glad I was . I became a single Mom after 18 years. Fortunately I was frugal and had a good job. I only had a small mortgage I could handle on my own. I even made extra payments on it. Now at 63 I’m in a great spot with no debt and a decently funded retirement account. I will retire at 65 when I can get Medicare. Here in the US in the future or even now, healthcare will be our biggest expense. It’s so broken. I work in healthcare and it’s getting worse all the time.
I agree that healthcare will likely be our biggest expense here in the US going forward. Like you, I am debt free for which I am very thankful. I do have some health problems and am very, very thankful to have Medicare and supplemental insurance. Not ecerI am widowed and I live off my Social Security. Not everyone is able to do that. I try hard not to touch my savings unless it is absolutely necessary. I'm glad you don't have long until retirement. Diane
I'm retired in the US my additional insurance costs me $0.00 per month. and since the Medicare comes out before you get the check I only look at it when I get what next years check will be. My copay if I go to a doctor is $15 in network, it pays for eyecare and most dental. I also get reimbursed for athletic equipment and things like health clubs, even athletic shoes. Before I retired I was told it would be expensive but hasn't been. If I ended up in the hospital my max out of pocket is around $5,000 which I can easily cover. So don't fear it.
Hi Jane and Mike...my husband and I arc of the same mind set as you,and we live with absolute peace knowing we are debf free here in Southern Ontario.
Another great video. My favourite frugal channel ❤
Wow, thank you!
Thanks Jane. Those months from 2007 must have been such a worry for you both. I am so pleased you got it all sorted. 💕👏👏
Wonderful advice!
Thanks for your reply
I agree that being out of debt removes a burden from life. The next step is getting rid of even more after combining 2 houses into one.
Good luck
Thank you! Good job😊
Thank you too!
Nice video thanks for that :)
Glad you liked it!
Great video, inspirational and helpful to so many I am sure
Glad you think so!
God has blessed us with your encouragement and help with advising us with great direction in frugal living 🙏 ❤️ All the best.Maria
For me the main thing is eating more at home. I used to always buy take away or eat out a lot when living at home. And still do occasionally but have really cut back a lot as it’s so expensive 😊
Thank you for sharing this…….you are helping so many I’m sure. You’ve helped me get clarity and I am so grateful. ❤
You are so welcome
Thankyou for telling your story ive been there but single debt free now own my home and retired live on aged care benifits so have to be frugal i do volunteering which i love and have two dogs so walk the beach daily live in Australia
Thanks for your reply
I love all your videos and advice, but this one is great! People can actually see by example… it can be done!
Glad you think so!
Love this, thank you very much. Hugs to puppies.
You are so kind
What a wonderful video. Well done the two of you. Xx
Thanks so much! 😊
I love your channel! Me and my husband are working back paying over 100k in student loan debts. It’s really hard. I feel like we’re not where we should be for our mid 30s, but it’s our debt so we’re working hard while also having kids in school and daycare.
@@Cass6 I wish you well
@@FrugalQueeninFrancethank you ❤
Bravo to all of that!
Jane, when you described your weekend at around 9 mins...well...that’s exactly my weekend 👍 x
Thank you 😊
You're welcome 😊
Always very inspiring , thank you 😊
Jane and Mike, thank you so much. Your videos are so inspiring, you both are amazing in what you do. Blessings to you both.
🙏🙏
Thank you. You do great work.
I appreciate that!
Excellent video - thank you
We raised our daughter to talk about money, debt and life choices, she now understands that the choices you make today will affect how you live tomorrow. Her boyfriend at the time wanted her to co sign his car loan at 30%, she didn't and guess what they are no longer together but that car loan would be if he defaulted. She does a budget and pays her bills on time, we discuss money problems of her co workers who earn more than her but are constantly in trouble with bills etc. She worked out that owning a car with all the expenses it would occur wasn't financially feasible at this point of her career, a friend of hers walked into a dealership and bought a 2025 car, we'll see how long she can keep up the payments !
Thanks for sharing
The best video ever. Thank you❤
Wow, thank you!
I appreciate all the thoughts but doubly so your acknowledging the privilege. I think that's often overlooked by our generation but it really is a huge factor.
It's an accident of birth but we are the luckiest generation
I have managed to make up a decent amount of savings to do things that help me control what I do with my time, rather than being at the beck and call of an employer.
Yes!
❤❤thank you my lovely ❤❤love your ways of living and know how it is
So glad!
Hi Jane ... I have been following you for about a year now. I look forward to watching your videos Wed., Fri,, and Sunday. Today's video I think is the best motivation video I have ever seen. I started way too late but want to now try to help my gotrandbabies get a good start. They are 11 and 8 and coming into a not so friendly world. We are a couple 80 and 82 and live with our daughter. This has allowed us to save considerably over the past few years. We live in Canada and I avidly check the on-line flyers but do not find much these days but thanks to you and Mike I am motivated every day to save as much as I can. I want to show my grandsons little ways to save without stepping on the toes of their parents. These boys are the sons of my son. Any little suggestions you have would be appreciated. I did have one idea of asking how much they get for allowance each week and taking a per cent of that and multiply if by 52 weeks, put in a physical bank as a Christmas present to show them how much they could save in a year. I would love to hear your ideas. Look forward to tomorrow's video. Again, thanks so much for doing this for us each and every week. Louise
I also have 2 grandsons they will be 2 and 4 this year.For birthday and Christmas they get $50 each and my daughter puts that I there bank.We live in Victoria Australia and we can now get money on cans and bottles so I collect them for the 2 of them and so does there mum they have have well over $200 each put in there bank that's free money.These 2 little boys are going to be in a much better position then I was when they get there first car.
Thank you so much for your feedback
My husband and I paid our 15 year mortgage off in less than 8 years 🎉
Having à goal is à success key to be frugal, you know your whys
The only thing I have to pay of is my house, I am 35 years old and was lucking enough to find my flat and buy it before the prices when insanely up. And since I now work 30 hours I have found a good balance between making money (and keeping up with the prices of everything going up) but also having free time and doing my hobbies (and having money left over to buy fun things, like a new book or a new lego set.)
I decided in my 20’s to let my hair go grey when it wanted (because I am not disciplined enough for the required upkeep on hair dye) and now that it’s happening…I am totally ok with it. And the makeup? Mostly just special moments or once in a blue moon if I feel like it…but it did feel strange at first. 😅
Thanks for sharing
Jane, i’d love to know which youtubers inspire you!
I watch travel you tubers.
Peter Santanello?
Thank you for the video, we are debt free and mortgage free inspired by yourself, I have a question please, is your cooker an induction hob and would you recommend it?
It is and absolutely not! Personally, I hate it. I'd prefer a gas hob.
👍👍👍
❤
💖💖💖
FREDOOM BABY!
Good video
Thanks
I love your videos so much ❤binging them since I found your channel a week ago! Wonderful advice as always. Just drew down my first mortgage. Started my frugal journey a few years back but I definitely need to improve on things.
😊love what you do
You got this!
@@FrugalQueeninFrancethank you 😊❤❤
Peace, not have money worries keep me awake at night.
😊💜
Another great video Jane. Your love of teaching shows in everything you do. 😊
Good reminder of this generation of kids (adults) that we raised that can't afford housing. Rent in the US is just stupid. My kids are paying almost double of the mortgage payment that we had for rent....and they get nothing in equity. It is soo hard for them to save for a house.
It's so sad
I have the maximum social security and pension from my employer.
I feel sorry for todays younger generations. The high cost of living , ridiculously high housing and high medical insurance costs are nearly insurmountable here in the States. I fear my sons don't have a chance to experience the life I had ( I'm 62).
@@lisaannsaikal8801 I know full well that younger family members will never have the opportunities that we did
@FrugalQueeninFrance So sad...
Thank for have enough of everything.
Being careful..makes the difference.
❤❤❤