Hi Jane, since my husband died 4 years ago I have been very careful not to get myself into any debt even though I’m on a very low income I don’t waste anything and I am careful with my bills as I know there is only myself to sort things out. I don’t feel deprived as I see it more as a challenge that I am determined to win. Heather
Well done Heather,I was widowed suddenly 3years ago.Luckily I had always been the one to deal with th household fi. I too cut right back to ensure I didn’t get into debt. Slowly I got myself sorted on a single income and realised if I was going to retire and be comfortable I needed to downsize. This took a long time because Covid got in the way but a year ago I moved into my new home. Over the last year I have adjusted to my new financal situation and if I continue to live frugally (which I have done for years) am with the help of this channel I have a fully funded emergency and sinking funds account and have even managed to build in a small fun money allowance every month to allow me to have a coffee or lunch with my friends.I too see my fungal living as a challenge. I try to have a no spend week every month and also 3 no spend months a year this allows me to keep my saving topped up and lows me to run a small car which gives me my independence. Enjoy your future life reaping the benefits of being debt free.
We were married young at 20; one going full-time to University and one working as office staff. We were broke during those 6 years but paid our bills and no credit cards. Lots of dinners of grilled cheese, egg sandwiches and spaghetti. However now, over 45 years later, we have $1million in savings, 3 cars (fully paid for), and will pay off our large home (over $600,000) in 2 more years before we retire. We started saving small once out of University - automatically 3%, then 5%, then 10% and more. Some years we put all of a raise into savings. All of that while raising 2 smart girls. All to say: you may be broke now but you can become wealthy with hard work, savings, and spending wisely.
Ditto...now retired (retired in our 50s) with three very successful kids. It becomes a way of life. Having said that it's easy to go too far....a close family member worth multiple millions and as mean as stink.
These mid-week money chats continue to be my favorite part of your channel. Such good advice no matter where you are in your frugal journey. On a personal note, because of having emergency funds and not being “broke” as you promote, this past month when our power went out for almost a week, we were able to buy a generator (with cash) and save our stocked food in the freezer and keep from having to go to a shelter to keep warm. Such peace of mind not being broke. Thanks!
@ Stephanie Kleppin, you've hit the nail on the head with "peace of mind"! My power was also out for a week last month during Storm Arwen . I'm lucky as I have a wood burner and I got a generator last month as back up too. I'm aiming in 2022 to save a specific amount each day, yes each day as I find the discipline of transferring £20 per day to a savings account helps me in saving. My 2022 Emergency Peace Of Mind fund is underway.
@@lesreid2704 Good for you, Les! You sleep so much better when you have peace of mind. Once you have your emergency fund fully capped off, you can focus on other budget areas and get them checked off one at a time. Just like physically working out and getting fit -once you get used to sticking to a budget plan, you become financially fit too. Nothing like it. That’s why I enjoy watching Michael and Jane’s videos which help keep me on track!
Like you I have a budget and am careful with my money because many years ago I married at 18. I enjoy watching your videos anyway because they help so many people. When young we were pour.
I love your videos. My frugal life gives me peace. I had to learn how to be frugal because I couldn’t juggle all my bills on my small salary. I found a better job and became debt free after a lot of lean years. I am now retired on a small pension. I couldn’t be happier. Most of the frugal shamers don’t have a nickel to their name. So many people live on credit. They don’t understand how lovely of a life they could have if they would learn to live frugally. P. S. I think your grey hair is attractive.
This is real talk 👏💯. When I made a budget it changed my world. We are down to two debts and we now have 3 months of emergency funds and some sinking funds. Leap even when you're scared!!
Hi☺️my esperience is When i Was 19 i lived in an old car 😅 i saved up 2000€ euro in 2month to pay a serious professional course to take a better job , with a better income and finally have the poket power for a real house rent!😎very proud 😋
Thank you for your great advice and your time sharing your own frugal life. I am retired now and earn about a third of my working income. I am still able to spoil my 4 grandchildren by looking for sales, buying next year’s gifts after the holidays for example. I hardly buy clothes for myself, but if I do, I look in charity shops, or online second hand stores. I wear basic classic ageless pieces.I used to own dozens of pairs of shoes, and even after giving most of them away, I still have enough for many years to come.I drive the car that I bought when working. I shop at farmer’s markets for my fruits and vegetables, and I never eat out. I gave up coloring my hair by embracing the grey, but I get a trim every 2-3 months. I do my finger and toenails myself. Garage sales are great places (vide greniers in French) to find plant cuttings, household items, children’s books and toys. I don’t miss the income, I am just more resourceful and wiser when it comes to spending. You are an inspiration to all of us. Yes, cutting down our spending is difficult at first but quickly becomes easier and exhilarating.
Thank you, Jane. I so needed this talk as haven't been keeping such a tight grip on spending as usual. Time to get back on board and to get husband and kids on board rather than just trying to juggle things by myself and suffer a load of anxiety as well.
Great video Jane. We were broke for many years when our 3 children were at home. We didn’t have any savings. Not much debt but lived pay day to pay day. Things improved now have a small savings pot and currently overpaying on our mortgage (our only debt). I care for my 93 year old mother full time so can’t work as such and husband is now retired but feel rich compared to how we used to be. Love watching your videos.
This Christmas my family did the no gifts over $10 rule, it was great not to worry about what to get everyone, I gave my daughter a gift card for our local butcher so she can eat her gift lol. It was for more than the rule but we have the budget, she doesn't.
I've always taken a perverse pleasure in confusing people when they judge you by what you own. I used to run a business. I had a (very) second hand van while the staff had new Mercs and VW Sciroccos.😉
You comment made me laugh Hilary, I too have been in that position where someone has commented on how much better off than me they were when I knew that wasn’t true. I just thought if only you knew. To me a car is a car they are all a money pit and the more it cost when new the quicker it looses money.
Superb video . Social pressures are huge. I have lost friends because I can’t afford the meal, the trip etc. I have no debt , I have savings which inflation is eroding but I will not put myself into debt for others approval. Very difficult but it is the only way for me to balance the books. Jane your honest, sound advice is excellent and I binge watch your videos to keep me on track . I applaud you 👍👏👏👏👏💕
To quote a favourite hymn (I am not religious), I once was lost but now I'm found, was blind but now I see. This sums up my financial history and future.
Watching your videos helps keep me on track Jane In the past my spending has been somewhat chaotic, now I live better and am on a very tiny budget . Impulse buying has been my down fall . Even on a small amount of money I find it possible to save and have also got two sinking funds on the go
Thank you for everything you do. I started being aware of my spending and money in September. I start the month strong, but one week in, I get stressed over thinking not to spend. It stresses me to the point that I make a stupid buy, like soda and just random stuff on sale (grocery) and as soon as I do one mindless purchase, I end up blowing my budget, my plan, go in zero before the week 3. Right now I have been good at staying on budget for January, but I can sense I am getting stressed over thinking about how to stay on budget. It stresses me to think that I need to stay on budget and away from groceries, and constantly checking if I use to much water or to much electricity. I pray it will become easier soon, and that I can focus on other things and not just to be frugal. Love from Denmark
Hello, just breathe, you’re going to be ok, try to buy your groceries for the week and plan your meals, drop the soda, it’s not great for our health. Stay strong.
I binge-watched so many of your videos this week, I feel like I have had a vacation to France. 🙂 Love your channel! It really speaks to where I am in my life right now.
Enjoyed this mid week money chat. It is very hard not to follow social pressures. A lot of people don't understand why one would be be frugal, not be broke. They always say " I can afford it, why can't you." Be it a trip or outing that you don't go on, not eating out all the time. Driving a used car, instead of financing a new car. I love your channel. 😍
Whoo! Those social pressures. They start early. I grew up poor and got used to being the odd girl out. It helped to develop a thick skin for not caving in to those pressures when I was no longer poor. It is immensely encouraging to have like minded people like you that remind the rest of us that we are not crazy!
Loved today's chat, big fan of tough love when needed. I had a poor (not broke) upbringing & when I turned 18 I went a bit mad, buying things I never had when younger. I got Credit cards, loans, student debt etc. I got out if debt but it took me years. Even after when I had a good job I still spent far too much. Having kids was my lightbulb moment & I've tried hard to change & gradually turned in to a saver. Also Jane I love your hair & one way I'm going to save even more money in 2022 is to stop having highlights & fully embrace my grey at 44.
We can change what might sound like a negative into a positive with our phrasing “I’m not doing _____ because I am ________ (I.e., paying down a debt/saving for a house/etc.).” People who care about us support healthy choices.
You were really not that hard Jane, but the first step of any change is to face reality. I would also say that with any major change you have to take things one day at a time. If you can get through today without buying that fabric (or yarn for me) or buying that 'thing' you will have a tiny bit more resolve for tomorrow. Also, another tough thing to do is 'stop looking' whether it is the fabric/yarn shop or food shop - whatever your overspending vice is - just stop browsing.Say to yourself "do I need it or do I want it" (we all know what the answer is most of the time). It is so hard to do; this year I am actively trying to food shop less often, not that I overspend but I buy too many treats when I do go, and want to eat more healthily and keep food budget the same as previous years.
Thanks, it’s no longer hard for me and when I set a no spend month, I stick to it. I only buy fabric from charity shops now and certainly not in no spend months.
Hi Jane, how are you? There seems to be a stigma about saying “no, sorry I can’t afford to do that” and it’s that’s one reason people get into debt or become broke. I really love these videos, there’s always something each of us can take away and use in our own lives. Big thank you Jane. Xxx stay safe xx
We have credit card debt at the moment and my husband is always on Amazon looking at things to buy. We have agreed to not spend any additional money in January but already I have to keep reminding him. Great video Jane. 👍🏻
Hello, Jane, thank you for speaking about "frugal shaming" and believe it or not, you´re the first person who I hear saying this so useful term. Everybody knows these days that there are more important values in life than fancy things, looks or addresses, but unfortunately, it seems that in the everyday life few people do really feel and act that way. I´m glad you´re brave enough to live up to the real values and don´t surrender to the social pressure!👍💪👍
I learned to budget and save. It’s possible, just not easy to start. I learned to identify more with people who are low spenders rather than going with the lifestyle creep that so often accompanies a promotion or new job. It’s possible, just not easy. Now i’ve been doing it so long it is second nature. Thank you for the support you provide to all of us, wherever we are on our frugal journey. I really appreciate you and Michael! 💜
I used to have a mortgage, but I was never in debt. Still debt free but officially poor now, what with the pandemic laws which prevent me from working unless I agree to have experimental drugs injected into my body. It's a tough situation, but there's always something that can be done about it. I've always been very frugal despite my well off parents, never needed a budget but I wanted to be in control and now I have it. I keep track daily of my expenses. Figuring out a way to earn online, selling stuff and on the way to decluttering my large house. Thank you for your time and skills that you so generously share. Your videos are a pleasure to watch and I'm beginning to look forward to your midweek money chat.
I look forward to each and every one of your videos! I, too, am a Dave Ramsey fan. My husband and I are 51 years old and on baby steps 5 & 6 We have 3 daughters all in college, with full tuition scholarships, and we pay the rest (we pay dorm, meals for one; the other two received more scholarships so we pay for meals only for them). We wouldn’t be able to cash flow college for three if we didn’t follow the baby steps. We’re currently on schedule to have our mortgage paid off in early 2024. You’re videos are helping me save so much where I can. Groceries, electricity, water, etc. We are willing to do a no spend year because we KNOW that being totally financially independent is so worth it! You help to keep us motivated and I thank you so very much. Happy and healthy new year to both you and Michael.
Been watching your videos recently & they are so helpful. As a person in my 50’s who hasn’t made the best financial choices in the past. It’s so refreshing to find someone so down to earth & Thankyou Jane for all you share..🤗💐
I had a written budget for years, but had no will power to stick with it. We had some major money issues in the last few months, which drained a lot of our savings. This year we have a realistic written budget and we have a positive attitude going forward to make this budget work. Thank you Jane for having "a serious talk" with us. It's what we need to hear.
I honestly never thought of paying myself first. My savings/401k and funds/challenges should come first and then the bills. It is life changing and a whole new way of budgeting.
Wonderful advice Jane! Your money chats always get me thinking about how I can improve on things with my budget and life choices. I have been poor, broke and in debt more than once in my life. It takes years to crawl out of it sometimes and it's so very hard. Dave Ramsey has a great book and podcast to really get you going if you're stuck in a bad financial place.
Hi Jane, I struggle money wise every January and finding your channel has been a God send and is getting me through this month. I love your practical, hands on, tangible wisdom. You have made a real difference for me. I’m actually enjoying no-spend January and get a kick out of making this far. I feel a real sense of accomplishment and am planning to do the same for February. I watched your video yesterday on your being affected by SAD. So do I! I love you more than ever. Keep going. You’re amazing 😎
Just started tracking and documenting in budget book and it is the "mirror" I needed to look at to see that indeed my spending habits/mentality has been the issue all along. Now I have Dave Ramsey and your voice in my head to remind me what I need to do to get serious and focus on the goals. Thanks a bunch!!!
Hi Jane and Mike. Another really useful vlog full of good old common sense. I am not in the position of being broke but have been in the past but with support from family and friends I moved forward albeit slowly to where I am today. There is no quick fix. Good luck to all.
Hi Jane another brilliant mid week chat. My husband and myself have never bought into keeping up with "the Jones" we always had steady jobs but not great renumeration and to save for our house deposit (over 40 years ago) we had to be very frugal and only buy what we needed and a birthday present each. I learned then many frugal living skills and have kept that up and improved with every day. We are both early retirees. We are debt free for over 16 years at this stage and that's why we retired extremely young. Thank you for your inspirational talks. Happy New year to you both from Ireland 🇮🇪 😊.
Wonderful video! I am retired living on Social Security and these were some wonderful tips. I live pretty frugally but there were a few gems in there that I intend to incorporate. Fortunately , I enjoy a simple life. No need to shop, I love sewing and gardening and having friends over for meals, you always give some beautiful advice that everyone can learn from. When next Social Security check comes in I intend to count every penny that goes out. I’m sure I will find out that I might be spending more than I want on things that are not necessary.
Thank you very much for the lovely video. We are not broke, but we do have a mortgage, car payment, and low interest loan- all manageable. That being said, we are definitely not strangers to the money anxiety bouts. Your videos are full of useful tips AND fun to watch!
I’ve started with a budget. I wrote out all of my NECESSARY expenses, and my weekly income, then I track all of my spending (the drips). It’s really opened my eyes to how I end up with more month than money. I’m learning to get out of the habit of spending money every time I make money.
I’m currently trying to pay off my credit card debt, when I first started I felt like I’d never get there! I’m now almost two months in and have paid off a quarter of the debt. I was hoping to pay it off by New Year’s Day 2023 but thanks to all the frugle living tips I get off youtube, I think I’ll be paying it off much sooner. To give you all the background information; I’m a single parent of three young children (aged 11, almost 10 and 8) and I live on disability benefits in England. I am also transgender and have to pay out a lot for my treatment but despite this, I’m definitely cutting down my debt! I blocked my credit card about a month ago so I can’t use it even if I wanted to and I pay every single penny I have spare into it. Once I’ve paid it off I’ll be used to putting so much away so I’ll be continuing and putting every penny I can into my ISA
In this age of showing off your life style, travel etc on instagram I really worry about my late teen children and their friends. Instead of working hard and being frugal to prepare for the future so many young people are just constantly broke. Its come to a point where I have had to say to my son I'm not lending you anymore money. If you dont have money for petrol ride your bike to work. Apart from saying no and trying to teach them do you have any tips?
@@FrugalQueeninFrance agreed. Theres some tough lessons to be learned in this house. Not the least by me as I'm easily manipulated into giving my kids money and they know it. They wont ask Dad, just me.
You are not doing them a kindness by giving them money. That just leads to them thinking that they are entitled to have someone fish them out of every financial hole they get into. Give them the gift of a lesson on how to manage money. Tell them to keep all receipts for a month. At the end of that month sit down with them. Divide the reciepts into categories- fuel/ snacks/ streaming services/ computer games/make up/ going out with friends. Ask them to decide which they are going to cut back on. Finally show them your bills and ask if they could find a way to contribute to the utility bills, now that they are earning. That will at least stop them asking you!
I love this video. It is hard to change how we think and what we do, and those are the two crucial things that form our future. The information you offer can be life-changing in a very positive way if someone takes action on it. Thanks for an excellent presentation, and walking your talk. * I did all of these things, and you are right, they were not fun or easy at the beginning, I continue to do them and I don't even think about it anymore. The payoff is so BIG, it is worth the effort. Even so, I am still here and listening, because it is good to "reset and recommit."
I got 2 jobs I save the money from second job to pay for thing like my holiday Christmas birthday and what go wrong in house I never shop in expensive supermarket alway Aldi or Lidl plus the pound shop
I think this is your best video to date Jane, I'm sure it will inspire many people. Personally I'd rather keep up with your great advice than keep up with the Jones's.
That was indeed a hard topic, but you handled it so gracefully! Thank you so much! I am so very lucky to be in a great financial place now, but that took a loooong time. What I noticed is that when I started living more frugally and now that I still do, I've lost many "friends" and find it very hard to find new ones (being in a new city for work now it's even harder). I was wondering if you or anyone in this lovely community might have some tips or experience they'd like to share. Thank you so much. Be blessed!
Another great video and so much to think about. I have learned to say no to events especially when I know I can't afford it. Most people are understanding and we will always try and come up with an alternative or ill save especially of its for a special occasion.
This is a great talk Jane, full of honesty, it's always better coming from someone who has been there themselves! I always go away inspired and ready to grab my budget and spending habits and give them a good shake up! We are doing ok, but working on doing better! Thanks for another great video :)
What excellent sound advice today Jane! I was guilty of the “ keeping up with the Jone’s “ many years ago but I soon learned to be my own person luckily before too much debt accrued. Putting a bit aside for emergencies is a key for us these days. Thank you.
Of course you are a nice person! A very, very nice one, I'm sure of it. And your channel replaces any personal financial coach. Many thanks to you, and of course also to Mike for your wonderful, helpful and encouraging videos. Warm greetings Claudia from Germany ❤
Enjoyed this episode on sinking funds. I have sinking funds divided into two savings accounts. One money market savings with a higher interest but limited to only 6 withdrawals a month. This money market account consists of my emergency fund, replacement/ maintenance funds for yard, house, cars. These are long term. One time expenses. My second savings account has a lower interest rate, but no limits of withdrawals, sinking funds that cover house and cars insurances, property taxes, income taxes. Bills that are quarterly or yearly. Then I have a checking account that I use to pay monthly bills. I use two 12 month CD 'S to save money long term, After 12 months I add more money to one CD, while the other CD is cashed out and I invest that money into index funds, stocks with dividends. Since interest rates in savings accounts are extremely low at this time. Compound interest is a great way to increase your money, for a more secure future.
I needed this today Jane. A week before January payday. I've realised I don't actually need to go food shopping today as we have plenty of food already X
Love your mid-week money chats. You really give the best advice! I fell into the peer/ society pressure situation when I was younger and it took quite a while to get out of debt. I do have a lingering student loan debt that I am working on and that's it apart from my mortgage. I am moving out of being broke. It's a bit like a jigsaw puzzle - try and fit the parts together and eventually they fall into place. I am very optimistic that I will get on track this year. I have written a budget and set up some sinking funds and looking at my budget month to month to adjust as I get on track. I really feel a great sense of accomplishment! Always look forward to all of your videos but especially the money chats! Thank you!
Used to be in debt but not now which is so freeing! Our home is paid for no credit card debt we owe no one but ourselves! I love being free to help people in need from St. Judes to charities that we choose to give to! Your advice was spot on and the way we did it@
Great video as always and thank you! Yes I have been in probably every one of those scenarios in my former spend-spend-spend life. I was broke. For the past five years or so, I’ve turned things around and have six months living expenses saved up, plus an emergency fund, and I’m contributing about 15% towards retirement. I’m making accelerated payments to pay off my home and should be done by the middle of this year. I would choose my current life over my previous broke self any minute of any day. Living a frugal life is fulfilling and fun 🤩
I love your money chats. I have few people in my life to encourage in this area, so I consider you a money coach. Thank you for the time you devote to doing this each week
Yep. Two minutes in and I can already tell that you're talking to me. 😔 I will say that these weekly chats help keep me in a more frugal mindset. I’ve already cut out a lot of my regular spending habits from listening to your advice. Retirement is around the corner-I can’t say early retirement bc I’m already 61!
Not sure if this will help, but I do like your videos. I learned to do just about everything you are telling people to do years ago. When ever I talk about saving money people just don’t get it. So I will keep enjoying your videos, and just send you a “ great job”, hope it helps you.
Hi I really appreciate your videos great reminders to just keeping on track, can remember the day 8 years ago when I was made redundant, and the realisation that I needed to become a lot more frugal with the way I managed my money, I took a good look at my lifestyle the areas where I fritted money and where I needed to make longterm money plans around saving for the future I changed my mindset around what I though a good life would look like I simplified aĺl areas slowed down became more resourceful and more grateful for the belongings I had, took on board how to live frugally and how to live well with less money, I work in a low paid sector and 8 years on have more savings than when I had a higher paying job, the difference is I can do without if its not essential or needed I don't feel like I missing out or that I need to give in to peer pressure to keep up with others because its not part of my long term plan I will have to readjust my saving plan whilst this cost of living crisis makes itself felt especially with energy costs and food costs climbing ever higher its always been a fallacy that we can have it all but we can readjust our mindset to living well on a budget xx
Jane you are so real. Looking back I always was amazed the most advice came from my broke friends and understanding my goal or thinking. So now they tease me your life is so easy . Keep the information coming you help everyone is some small way! David
Thank you Jane How I wish I had done what you suggest in my 20s or 30s As I got older I got better with money but maxed my credit card in my 30 s and in the end cut it up and paid it off over two years The final payment felt great ! It was just too easy to shop that way I didn’t have a credit card again until many years had passed and now pay it off every month Living in rural France the opportunities to shop are less …no Marks and Spencer down the road 😉 I realised after coming here we had far too much ‘stuff’ and regularly take bags to the charity shop but could sell it I still work and between working and dog walking the day zips past but I should be more motivated to sell all the little gems we brought to this life in Brittany but don’t use . Our life here ,like yours ,is a simple life and feels more real than the rampant overspending spending that’s easy to fall into . As you rightly say there are opportunity to make more money and save Saving definitely gives you a sense of security I feel . You are very inspirational and I have saved more and made different sinking funds since finding your channel Really look forward to your videos !
"I'm really a nice person!!" Yes, Jane, you absolutely are- I love your gentle / tough love and common sense which is why I've followed you for years! I'm hoping to improve my garden skills a little bit more this year, mainly for the peace of mind that gardening gives me and for the wonderful produce it yields. There is nothing more satisfying to me than getting my hands stuck into beautiful soil! Happy New Year!
Another great and informative video too many people don’t talk about money and with an honest approach. I’ve been lucky as I’ve never been broke as I’ve always saved some of my money. I live within my means and budget plus try to get the most I can from my money, I do my reasearch and shop around for the best deals. Thanks so much ……… Love Wendy ♥️💋
I am in my late 40s and my partner is in their early 50s and we had very little to no financial advice when we were younger and have made many mistakes, so I love hearing your advice even when it is a little stern 😉 as I value and appreciate all your experience and tips 🙂
So much good advice in this video. I wish I had seen this content 30 years ago! I took early retirement 2 years ago due to health concerns. Since then we have given up one of our 2 cars, I have given up smoking (almost 2 years now and possibly the most difficult thing I have done after 40+ years) and have built up a basic 3 months Emergency Fund. I now use a budget and sinking funds for everything, from holidays, xmas, birthdays, insurances, house maintenance to projects around the home. It's amazing that despite taking a sizeable cut in income I am managing to save more than ever before. My one caveat is that I hope I can keep this up when the pandemic is just a memory. Thanks for helping keep me on track with the advice.
I have for many years had a budget. Paid of debt and fallen off the wagon and gotten myself into debt again. Been a pretty good path of saving over the last couple of years. Some months are tougher than others.
I don't think your talk was at all too tough. Let's face it, without tough love our kids would all be brats, and without tough love adults can ruin their lives! I was in my 40s before I realised that many of the people who looked a lot richer than me were doing it with debt. I never tried to keep up, but now I feel proud of my choices and efforts rather than embarrassed by my apparent lack of 'success' in life. As for frugal shaming, yes, I've had it. Thankfully I've found that the more 'real' you are about your frugal life and values, the more you attract similar friends into your circle.
Jane I am a new subscriber I just love your videos! Not just the recipes but your advice too. Just your positivity spurred me on today to do some sorting. Thanks and looking forward to seeing more....
What a very sweet video. Anyone who is in a bad situation will appreciate the way in which you approached the subject. You are a very good teacher and you are very kind
Glad you addressed this topic, and doubly so as you can do so as someone who "was there." I think it's hard for those "new" to frugal to really wrap their arms around it all. But honest talk from those who've been there is incredibly helpful. And yes, fabric stores are hard. LOL
I was very broke for several years. I tried to budget and minimize expenses. At a certain point, I had to earn more money. By developing my career, I now earn much more than I ever have in my life. I have now found Lifestyle creep is an issue.
Thanks Jayne for making this video ,, we all need reminding at times to reign things in and to watch the budget ,, I could hear your strict teacher voice coming out 😄,, brilliant,, best wishes, Lisa
Thank you. We have paid off all of our personal debt except our mortgage and save at least 10% each month. It feels really good and freeing. We haven't used a credit card for any purchase in the last two years. We own a business and we are trying to pay off the debt on that too, but that is going slower with these challenging times. Thanks for the reminders and I like your Wed talks.
Thank you Jane for your straight talking , no - nonsense video. It will help me to aim to stay on track with our small budget and aim to save 10% of my earnings, which it quite a chunk at present, but will help review our budget again and see where we can further trim down . Hoping to aim to use this to pay down mortgage quicker.
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Hi Jane, since my husband died 4 years ago I have been very careful not to get myself into any debt even though I’m on a very low income I don’t waste anything and I am careful with my bills as I know there is only myself to sort things out. I don’t feel deprived as I see it more as a challenge that I am determined to win. Heather
You are winning Heather
Well done Heather,I was widowed suddenly 3years ago.Luckily I had always been the one to deal with th household fi. I too cut right back to ensure I didn’t get into debt. Slowly I got myself sorted on a single income and realised if I was going to retire and be comfortable I needed to downsize. This took a long time because Covid got in the way but a year ago I moved into my new home. Over the last year I have adjusted to my new financal situation and if I continue to live frugally (which I have done for years) am with the help of this channel I have a fully funded emergency and sinking funds account and have even managed to build in a small fun money allowance every month to allow me to have a coffee or lunch with my friends.I too see my fungal living as a challenge. I try to have a no spend week every month and also 3 no spend months a year this allows me to keep my saving topped up and lows me to run a small car which gives me my independence. Enjoy your future life reaping the benefits of being debt free.
😊9n😮😢😅?9
We were married young at 20; one going full-time to University and one working as office staff. We were broke during those 6 years but paid our bills and no credit cards. Lots of dinners of grilled cheese, egg sandwiches and spaghetti. However now, over 45 years later, we have $1million in savings, 3 cars (fully paid for), and will pay off our large home (over $600,000) in 2 more years before we retire. We started saving small once out of University - automatically 3%, then 5%, then 10% and more. Some years we put all of a raise into savings. All of that while raising 2 smart girls. All to say: you may be broke now but you can become wealthy with hard work, savings, and spending wisely.
Ditto...now retired (retired in our 50s) with three very successful kids. It becomes a way of life. Having said that it's easy to go too far....a close family member worth multiple millions and as mean as stink.
These mid-week money chats continue to be my favorite part of your channel. Such good advice no matter where you are in your frugal journey. On a personal note, because of having emergency funds and not being “broke” as you promote, this past month when our power went out for almost a week, we were able to buy a generator (with cash) and save our stocked food in the freezer and keep from having to go to a shelter to keep warm. Such peace of mind not being broke. Thanks!
Great news and congratulations
@ Stephanie Kleppin, you've hit the nail on the head with "peace of mind"! My power was also out for a week last month during Storm Arwen . I'm lucky as I have a wood burner and I got a generator last month as back up too. I'm aiming in 2022 to save a specific amount each day, yes each day as I find the discipline of transferring £20 per day to a savings account helps me in saving. My 2022 Emergency Peace Of Mind fund is underway.
@@lesreid2704 Good for you, Les! You sleep so much better when you have peace of mind. Once you have your emergency fund fully capped off, you can focus on other budget areas and get them checked off one at a time. Just like physically working out and getting fit -once you get used to sticking to a budget plan, you become financially fit too. Nothing like it. That’s why I enjoy watching Michael and Jane’s videos which help keep me on track!
Like you I have a budget and am careful with my money because many years ago I married at 18. I enjoy watching your videos anyway because they help so many people. When young we were pour.
Thanks for sharing!!
Good, honest talk today. The support in this group makes it easier to say "no" to impulse buying. Thanks, Jane, for another great episode.
Definitely...
Thanks Linda
I love your videos. My frugal life gives me peace. I had to learn how to be frugal because I couldn’t juggle all my bills on my small salary. I found a better job and became debt free after a lot of lean years. I am now retired on a small pension. I couldn’t be happier. Most of the frugal shamers don’t have a nickel to their name. So many people live on credit. They don’t understand how lovely of a life they could have if they would learn to live frugally. P. S. I think your grey hair is attractive.
Thanks, I like my hair
This is real talk 👏💯. When I made a budget it changed my world. We are down to two debts and we now have 3 months of emergency funds and some sinking funds.
Leap even when you're scared!!
Great to hear that and go and smash those debts
@@FrugalQueeninFrance planned to have them paid in about 5 years or less
Student loans and mortgage
Hi☺️my esperience is When i Was 19 i lived in an old car 😅 i saved up 2000€ euro in 2month to pay a serious professional course to take a better job , with a better income and finally have the poket power for a real house rent!😎very proud 😋
Congratulations
Thank you for your great advice and your time sharing your own frugal life. I am retired now and earn about a third of my working income. I am still able to spoil my 4 grandchildren by looking for sales, buying next year’s gifts after the holidays for example. I hardly buy clothes for myself, but if I do, I look in charity shops, or online second hand stores. I wear basic classic ageless pieces.I used to own dozens of pairs of shoes, and even after giving most of them away, I still have enough for many years to come.I drive the car that I bought when working. I shop at farmer’s markets for my fruits and vegetables, and I never eat out. I gave up coloring my hair by embracing the grey, but I get a trim every 2-3 months. I do my finger and toenails myself. Garage sales are great places (vide greniers in French) to find plant cuttings, household items, children’s books and toys. I don’t miss the income, I am just more resourceful and wiser when it comes to spending. You are an inspiration to all of us. Yes, cutting down our spending is difficult at first but quickly becomes easier and exhilarating.
Such good advice, being debt free even in retirement is wonderful!
Debt free at any time should hopefully be the aim for everyone
Thank you, Jane. I so needed this talk as haven't been keeping such a tight grip on spending as usual. Time to get back on board and to get husband and kids on board rather than just trying to juggle things by myself and suffer a load of anxiety as well.
Good luck Amanda, get on a written budget and watch our video on how we paid our debts as it might help you
Great video Jane. We were broke for many years when our 3 children were at home. We didn’t have any savings. Not much debt but lived pay day to pay day. Things improved now have a small savings pot and currently overpaying on our mortgage (our only debt). I care for my 93 year old mother full time so can’t work as such and husband is now retired but feel rich compared to how we used to be. Love watching your videos.
Thanks Shelia for sharing your journey
This Christmas my family did the no gifts over $10 rule, it was great not to worry about what to get everyone, I gave my daughter a gift card for our local butcher so she can eat her gift lol. It was for more than the rule but we have the budget, she doesn't.
I've always taken a perverse pleasure in confusing people when they judge you by what you own. I used to run a business. I had a (very) second hand van while the staff had new Mercs and VW Sciroccos.😉
Yep and all probably bought with debts
You comment made me laugh Hilary, I too have been in that position where someone has commented on how much better off than me they were when I knew that wasn’t true. I just thought if only you knew. To me a car is a car they are all a money pit and the more it cost when new the quicker it looses money.
Superb video . Social pressures are huge. I have lost friends because I can’t afford the meal, the trip etc. I have no debt , I have savings which inflation is eroding but I will not put myself into debt for others approval. Very difficult but it is the only way for me to balance the books. Jane your honest, sound advice is excellent and I binge watch your videos to keep me on track . I applaud you 👍👏👏👏👏💕
Thanks Diana, we’ve received criticism and still do. We all have to be frugal now
To quote a favourite hymn (I am not religious), I once was lost but now I'm found, was blind but now I see. This sums up my financial history and future.
Good luck with your journey
Watching your videos helps keep me on track Jane In the past my spending has been somewhat chaotic, now I live better and am on a very tiny budget . Impulse buying has been my down fall . Even on a small amount of money I find it possible to save and have also got two sinking funds on the go
I think everyone can save even if it’s just one of the savings challenges from our last video
Thank you for everything you do. I started being aware of my spending and money in September. I start the month strong, but one week in, I get stressed over thinking not to spend. It stresses me to the point that I make a stupid buy, like soda and just random stuff on sale (grocery) and as soon as I do one mindless purchase, I end up blowing my budget, my plan, go in zero before the week 3. Right now I have been good at staying on budget for January, but I can sense I am getting stressed over thinking about how to stay on budget. It stresses me to think that I need to stay on budget and away from groceries, and constantly checking if I use to much water or to much electricity. I pray it will become easier soon, and that I can focus on other things and not just to be frugal. Love from Denmark
Hello, just breathe, you’re going to be ok, try to buy your groceries for the week and plan your meals, drop the soda, it’s not great for our health. Stay strong.
I binge-watched so many of your videos this week, I feel like I have had a vacation to France. 🙂 Love your channel! It really speaks to where I am in my life right now.
You’re welcome
Enjoyed this mid week money chat. It is very hard not to follow social pressures. A lot of people don't understand why one would be be frugal, not be broke. They always say " I can afford it, why can't you." Be it a trip or outing that you don't go on, not eating out all the time. Driving a used car, instead of financing a new car. I love your channel. 😍
But are they saving for their retirement? Are they building long term savings? Are they debt free?
Whoo! Those social pressures. They start early. I grew up poor and got used to being the odd girl out. It helped to develop a thick skin for not caving in to those pressures when I was no longer poor. It is immensely encouraging to have like minded people like you that remind the rest of us that we are not crazy!
Ditto
We are indeed not crazy
Loved today's chat, big fan of tough love when needed. I had a poor (not broke) upbringing & when I turned 18 I went a bit mad, buying things I never had when younger. I got Credit cards, loans, student debt etc. I got out if debt but it took me years. Even after when I had a good job I still spent far too much. Having kids was my lightbulb moment & I've tried hard to change & gradually turned in to a saver. Also Jane I love your hair & one way I'm going to save even more money in 2022 is to stop having highlights & fully embrace my grey at 44.
Yep, been on that journey and out the other side.
We can change what might sound like a negative into a positive with our phrasing “I’m not doing _____ because I am ________ (I.e., paying down a debt/saving for a house/etc.).” People who care about us support healthy choices.
Absolutely, when we opened up to people, many joined us on our journey
You were really not that hard Jane, but the first step of any change is to face reality. I would also say that with any major change you have to take things one day at a time. If you can get through today without buying that fabric (or yarn for me) or buying that 'thing' you will have a tiny bit more resolve for tomorrow. Also, another tough thing to do is 'stop looking' whether it is the fabric/yarn shop or food shop - whatever your overspending vice is - just stop browsing.Say to yourself "do I need it or do I want it" (we all know what the answer is most of the time). It is so hard to do; this year I am actively trying to food shop less often, not that I overspend but I buy too many treats when I do go, and want to eat more healthily and keep food budget the same as previous years.
Thanks, it’s no longer hard for me and when I set a no spend month, I stick to it. I only buy fabric from charity shops now and certainly not in no spend months.
Hi Jane, how are you? There seems to be a stigma about saying “no, sorry I can’t afford to do that” and it’s that’s one reason people get into debt or become broke. I really love these videos, there’s always something each of us can take away and use in our own lives. Big thank you Jane. Xxx stay safe xx
There shouldn’t be that stigma, people should be honest.
I totally agree with you Jane
We have credit card debt at the moment and my husband is always on Amazon looking at things to buy. We have agreed to not spend any additional money in January but already I have to keep reminding him. Great video Jane. 👍🏻
He needs to watch my videos and get off Amazon
@@FrugalQueeninFrance I’m going to tell him that!
Always enjoy your videos. Here’s an idea for a video, I would love to know how you tie your scarfs, they always look great. Thanks for sharing.
I've noticed Jane's scarf tying, too. I also would like to see how she does it. Diane
I’ll do it on Facebook
Hello, Jane, thank you for speaking about "frugal shaming" and believe it or not, you´re the first person who I hear saying this so useful term. Everybody knows these days that there are more important values in life than fancy things, looks or addresses, but unfortunately, it seems that in the everyday life few people do really feel and act that way. I´m glad you´re brave enough to live up to the real values and don´t surrender to the social pressure!👍💪👍
Thanks Mulat, it’s a fickle world and people can be unkind but it’s always best to
Do the right w
I learned to budget and save. It’s possible, just not easy to start. I learned to identify more with people who are low spenders rather than going with the lifestyle creep that so often accompanies a promotion or new job. It’s possible, just not easy. Now i’ve been doing it so long it is second nature. Thank you for the support you provide to all of us, wherever we are on our frugal journey. I really appreciate you and Michael! 💜
We appreciate you watching
I used to have a mortgage, but I was never in debt. Still debt free but officially poor now, what with the pandemic laws which prevent me from working unless I agree to have experimental drugs injected into my body. It's a tough situation, but there's always something that can be done about it.
I've always been very frugal despite my well off parents, never needed a budget but I wanted to be in control and now I have it. I keep track daily of my expenses. Figuring out a way to earn online, selling stuff and on the way to decluttering my large house.
Thank you for your time and skills that you so generously share. Your videos are a pleasure to watch and I'm beginning to look forward to your midweek money chat.
You’re welcome and thanks for watching
I look forward to each and every one of your videos! I, too, am a Dave Ramsey fan. My husband and I are 51 years old and on baby steps 5 & 6 We have 3 daughters all in college, with full tuition scholarships, and we pay the rest (we pay dorm, meals for one; the other two received more scholarships so we pay for meals only for them). We wouldn’t be able to cash flow college for three if we didn’t follow the baby steps. We’re currently on schedule to have our mortgage paid off in early 2024. You’re videos are helping me save so much where I can. Groceries, electricity, water, etc. We are willing to do a no spend year because we KNOW that being totally financially independent is so worth it! You help to keep us motivated and I thank you so very much. Happy and healthy new year to both you and Michael.
Great job Lori, good luck with smashing that mortgage
Been watching your videos recently & they are so helpful. As a person in my 50’s who hasn’t made the best financial choices in the past. It’s so refreshing to find someone so down to earth & Thankyou Jane for all you share..🤗💐
You’re welcome and thanks for watching
“Choose your hard.” Thank you, Jane and Michael.
Indeed, it’s a choice
Thankyou for being tough sometimes it's the only way
I had a written budget for years, but had no will power to stick with it. We had some major money issues in the last few months, which drained a lot of our savings. This year we have a realistic written budget and we have a positive attitude going forward to make this budget work. Thank you Jane for having "a serious talk" with us. It's what we need to hear.
Yep, stick with it…..every day
I honestly never thought of paying myself first. My savings/401k and funds/challenges should come first and then the bills. It is life changing and a whole new way of budgeting.
It certainly works
Wonderful advice Jane! Your money chats always get me thinking about how I can improve on things with my budget and life choices. I have been poor, broke and in debt more than once in my life. It takes years to crawl out of it sometimes and it's so very hard. Dave Ramsey has a great book and podcast to really get you going if you're stuck in a bad financial place.
I’m a huge Dave Ramsay fan
Love these sort of videos, they're a real boost when necessary frugality hits. Thank you!
You’re welcome Mrs H
I love that quote Jane "choose your hard"!
Hi Jane, I struggle money wise every January and finding your channel has been a God send and is getting me through this month. I love your practical, hands on, tangible wisdom. You have made a real difference for me. I’m actually enjoying no-spend January and get a kick out of making this far. I feel a real sense of accomplishment and am planning to do the same for February. I watched your video yesterday on your being affected by SAD. So do I! I love you more than ever. Keep going. You’re amazing 😎
@@geraldineblake7287 I wish you well and thank you
Just started tracking and documenting in budget book and it is the "mirror" I needed to look at to see that indeed my spending habits/mentality has been the issue all along. Now I have Dave Ramsey and your voice in my head to remind me what I need to do to get serious and focus on the goals. Thanks a bunch!!!
You’re very welcome
Thank you for all your advices. You are very encouraging. I stick to home made lunch box so it is at least 40 euros saving this week 👍
That’s really good and a saving of 2000€ a year and 10,000€ over five years!
Hi Jane and Mike. Another really useful vlog full of good old common sense. I am not in the position of being broke but have been in the past but with support from family and friends I moved forward albeit slowly to where I am today. There is no quick fix. Good luck to all.
Thanks for watching
Hi Jane another brilliant mid week chat. My husband and myself have never bought into keeping up with "the Jones" we always had steady jobs but not great renumeration and to save for our house deposit (over 40 years ago) we had to be very frugal and only buy what we needed and a birthday present each. I learned then many frugal living skills and have kept that up and improved with every day. We are both early retirees. We are debt free for over 16 years at this stage and that's why we retired extremely young. Thank you for your inspirational talks. Happy New year to you both from Ireland 🇮🇪 😊.
Debt freedom means early retirement for many people
@@FrugalQueeninFrance hi Jane it certainly does and it is great 👍 👌 😀.
Social pressure was huge. Wish I had learned earlier what I know now! Caring what other people think does not pay the bills.
Wonderful video! I am retired living on Social Security and these were some wonderful tips. I live pretty frugally but there were a few gems in there that I intend to incorporate. Fortunately , I enjoy a simple life. No need to shop, I love sewing and gardening and having friends over for meals, you always give some beautiful advice that everyone can learn from. When next Social Security check comes in I intend to count every penny that goes out. I’m sure I will find out that I might be spending more than I want on things that are not necessary.
Good luck Marilyn, watch my budgeting video on Wednesday about sinking funds.
Thank you very much for the lovely video. We are not broke, but we do have a mortgage, car payment, and low interest loan- all manageable. That being said, we are definitely not strangers to the money anxiety bouts. Your videos are full of useful tips AND fun to watch!
I’ve started with a budget. I wrote out all of my NECESSARY expenses, and my weekly income, then I track all of my spending (the drips). It’s really opened my eyes to how I end up with more month than money. I’m learning to get out of the habit of spending money every time I make money.
Thanks so much for sharing, tracking those drips helps us keep them under control.
I’m currently trying to pay off my credit card debt, when I first started I felt like I’d never get there! I’m now almost two months in and have paid off a quarter of the debt. I was hoping to pay it off by New Year’s Day 2023 but thanks to all the frugle living tips I get off youtube, I think I’ll be paying it off much sooner. To give you all the background information; I’m a single parent of three young children (aged 11, almost 10 and 8) and I live on disability benefits in England. I am also transgender and have to pay out a lot for my treatment but despite this, I’m definitely cutting down my debt! I blocked my credit card about a month ago so I can’t use it even if I wanted to and I pay every single penny I have spare into it. Once I’ve paid it off I’ll be used to putting so much away so I’ll be continuing and putting every penny I can into my ISA
In this age of showing off your life style, travel etc on instagram I really worry about my late teen children and their friends. Instead of working hard and being frugal to prepare for the future so many young people are just constantly broke. Its come to a point where I have had to say to my son I'm not lending you anymore money. If you dont have money for petrol ride your bike to work. Apart from saying no and trying to teach them do you have any tips?
Never give them money. All money must be earned. They have to learn by going without and having nothing unless they earn it.
@@FrugalQueeninFrance agreed. Theres some tough lessons to be learned in this house. Not the least by me as I'm easily manipulated into giving my kids money and they know it. They wont ask Dad, just me.
You are not doing them a kindness by giving them money. That just leads to them thinking that they are entitled to have someone fish them out of every financial hole they get into. Give them the gift of a lesson on how to manage money. Tell them to keep all receipts for a month. At the end of that month sit down with them. Divide the reciepts into categories- fuel/ snacks/ streaming services/ computer games/make up/ going out with friends. Ask them to decide which they are going to cut back on. Finally show them your bills and ask if they could find a way to contribute to the utility bills, now that they are earning. That will at least stop them asking you!
I love this video. It is hard to change how we think and what we do, and those are the two crucial things that form our future. The information you offer can be life-changing in a very positive way if someone takes action on it. Thanks for an excellent presentation, and walking your talk. * I did all of these things, and you are right, they were not fun or easy at the beginning, I continue to do them and I don't even think about it anymore. The payoff is so BIG, it is worth the effort. Even so, I am still here and listening, because it is good to "reset and recommit."
It really is worth it.
I got 2 jobs I save the money from second job to pay for thing like my holiday Christmas birthday and what go wrong in house I never shop in expensive supermarket alway Aldi or Lidl plus the pound shop
You’re doing a great job Robin
I think this is your best video to date Jane, I'm sure it will inspire many people. Personally I'd rather keep up with your great advice than keep up with the Jones's.
Thanks Kerstin, I’ve been there and I know it’s hard to change habits.
That was indeed a hard topic, but you handled it so gracefully! Thank you so much!
I am so very lucky to be in a great financial place now, but that took a loooong time. What I noticed is that when I started living more frugally and now that I still do, I've lost many "friends" and find it very hard to find new ones (being in a new city for work now it's even harder). I was wondering if you or anyone in this lovely community might have some tips or experience they'd like to share.
Thank you so much. Be blessed!
Just be you and people will
Find you. Volunteer too, it’s a great way to be around other decent people
Loving this weeks money chat Jane & Mike! Your videos help us so much… Thank you 🏴
Happy to help
Great share, Jane. We had debt and became debt free 5 years ago. 🙌
We’ve been debt free since 2011, it’s such a relief
@@FrugalQueeninFrance yes, it really is 🥰
Another great video and so much to think about.
I have learned to say no to events especially when I know I can't afford it. Most people are understanding and we will always try and come up with an alternative or ill save especially of its for a special occasion.
This is a great talk Jane, full of honesty, it's always better coming from someone who has been there themselves! I always go away inspired and ready to grab my budget and spending habits and give them a good shake up! We are doing ok, but working on doing better! Thanks for another great video :)
Happy to help and thanks for watching
What excellent sound advice today Jane! I was guilty of the “ keeping up with the Jone’s “ many years ago but I soon learned to be my own person luckily before too much debt accrued. Putting a bit aside for emergencies is a key for us these days. Thank you.
I was exact the same. More house than money until we saw the light.
Watching from USA. Thank you for this advice.
Thanks so much
Of course you are a nice person! A very, very nice one, I'm sure of it.
And your channel replaces any personal financial coach. Many thanks to you, and of course also to Mike for your wonderful, helpful and encouraging videos.
Warm greetings
Claudia from Germany ❤
Thanks Claudia
Enjoyed this episode on sinking funds. I have sinking funds divided into two savings accounts. One money market savings with a higher interest but limited to only 6 withdrawals a month. This money market account consists of my emergency fund, replacement/ maintenance funds for yard, house, cars. These are long term. One time expenses. My second savings account has a lower interest rate, but no limits of withdrawals, sinking funds that cover house and cars insurances, property taxes, income taxes. Bills that are quarterly or yearly. Then I have a checking account that I use to pay monthly bills. I use two 12 month CD 'S to save money long term, After 12 months I add more money to one CD, while the other CD is cashed out and I invest that money into index funds, stocks with dividends. Since interest rates in savings accounts are extremely low at this time. Compound interest is a great way to increase your money, for a more secure future.
You are well organized
I needed this today Jane. A week before January payday. I've realised I don't actually need to go food shopping today as we have plenty of food already X
Keep going
Love your mid-week money chats. You really give the best advice! I fell into the peer/ society pressure situation when I was younger and it took quite a while to get out of debt. I do have a lingering student loan debt that I am working on and that's it apart from my mortgage. I am moving out of being broke. It's a bit like a jigsaw puzzle - try and fit the parts together and eventually they fall into place. I am very optimistic that I will get on track this year. I have written a budget and set up some sinking funds and looking at my budget month to month to adjust as I get on track. I really feel a great sense of accomplishment! Always look forward to all of your videos but especially the money chats! Thank you!
You’re welcome and thanks for watching
Used to be in debt but not now which is so freeing! Our home is paid for no credit card debt we owe no one but ourselves! I love being free to help people in need from St. Judes to charities that we choose to give to! Your advice was spot on and the way we did it@
Well done Karen, it’s liberating indeed
Thank you, Jane and Mike, for yet another interesting video.
Thanks for watching
Great video as always and thank you! Yes I have been in probably every one of those scenarios in my former spend-spend-spend life. I was broke. For the past five years or so, I’ve turned things around and have six months living expenses saved up, plus an emergency fund, and I’m contributing about 15% towards retirement. I’m making accelerated payments to pay off my home and should be done by the middle of this year. I would choose my current life over my previous broke self any minute of any day. Living a frugal life is fulfilling and fun 🤩
Thanks for watching and sharing your story
I love your money chats. I have few people in my life to encourage in this area, so I consider you a money coach. Thank you for the time you devote to doing this each week
Thanks for the feedback
Yep. Two minutes in and I can already tell that you're talking to me. 😔 I will say that these weekly chats help keep me in a more frugal mindset. I’ve already cut out a lot of my regular spending habits from listening to your advice. Retirement is around the corner-I can’t say early retirement bc I’m already 61!
Keep going Lori and look forward to retirement
Not sure if this will help, but I do like your videos. I learned to do just about everything you are telling people to do years ago. When ever I talk about saving money people just don’t get it. So I will keep enjoying your videos, and just send you a “ great job”, hope it helps you.
Thumbs up done and subscribed. I used to read your blog religiously many years ago when you were still in the UK.❤️
Hi Sandy, thanks and you’re welcome
Hi I really appreciate your videos great reminders to just keeping on track, can remember the day 8 years ago when I was made redundant, and the realisation that I needed to become a lot more frugal with the way I managed my money, I took a good look at my lifestyle the areas where I fritted money and where I needed to make longterm money plans around saving for the future I changed my mindset around what I though a good life would look like I simplified aĺl areas slowed down became more resourceful and more grateful for the belongings I had, took on board how to live frugally and how to live well with less money, I work in a low paid sector and 8 years on have more savings than when I had a higher paying job, the difference is I can do without if its not essential or needed I don't feel like I missing out or that I need to give in to peer pressure to keep up with others because its not part of my long term plan I will have to readjust my saving plan whilst this cost of living crisis makes itself felt especially with energy costs and food costs climbing ever higher its always been a fallacy that we can have it all but we can readjust our mindset to living well on a budget xx
I like your definition of broke. A very good chat and inspirational in keeping us on the frugal path. Thank you.
You’re welcome and thanks for watching
Good for you choosing this lifestyle.
Jane you are so real.
Looking back I always was amazed the most advice came from my broke friends and understanding my goal or thinking.
So now they tease me your life is so easy .
Keep the information coming you help everyone is some small way! David
You keep going too David
Thank you Jane
How I wish I had done what you suggest in my 20s or 30s
As I got older I got better with money but maxed my credit card in my 30 s and in the end cut it up and paid it off over two years
The final payment felt great ! It was just too easy to shop that way
I didn’t have a credit card again until many years had passed and now pay it off every month
Living in rural France the opportunities to shop are less …no Marks and Spencer down the road 😉
I realised after coming here we had far too much ‘stuff’ and regularly take bags to the charity shop but could sell it
I still work and between working and dog walking the day zips past but I should be more motivated to sell all the little gems we brought to this life in Brittany but don’t use . Our life here ,like yours ,is a simple life and feels more real than the rampant overspending spending that’s easy to fall into .
As you rightly say there are opportunity to make more money and save
Saving definitely gives you a sense of security I feel .
You are very inspirational and I have saved more and made different sinking funds since finding your channel
Really look forward to your videos !
Hi Mel, email me on FrugalqueeninFrance@gmail.com thanks
L
"I'm really a nice person!!" Yes, Jane, you absolutely are- I love your gentle / tough love and common sense which is why I've followed you for years! I'm hoping to improve my garden skills a little bit more this year, mainly for the peace of mind that gardening gives me and for the wonderful produce it yields. There is nothing more satisfying to me than getting my hands stuck into beautiful soil! Happy New Year!
I’m hoping, now that I’m retired, to get some gardening done this year.
Another inspirational video. Thankyou Jane x
Thanks very much
Another great and informative video too many people don’t talk about money and with an honest approach. I’ve been lucky as I’ve never been broke as I’ve always saved some of my money. I live within my means and budget plus try to get the most I can from my money, I do my reasearch and shop around for the best deals. Thanks so much ……… Love Wendy ♥️💋
Forgot to say I’ve also worked 2 jobs a 37 hour one and a 20 hour one together so 57 hours a week ♥️💋🤗
Thanks Wendy and good for you for your hard work
I am in my late 40s and my partner is in their early 50s and we had very little to no financial advice when we were younger and have made many mistakes, so I love hearing your advice even when it is a little stern 😉 as I value and appreciate all your experience and tips 🙂
Happy to help and I hope I wasn’t too stern
@@FrugalQueeninFrance No you weren't too stern at all Jane, you just told it how it really is and I for one appreciate that 👍🙂
So much good advice in this video. I wish I had seen this content 30 years ago!
I took early retirement 2 years ago due to health concerns. Since then we have given up one of our 2 cars, I have given up smoking (almost 2 years now and possibly the most difficult thing I have done after 40+ years) and have built up a basic 3 months Emergency Fund. I now use a budget and sinking funds for everything, from holidays, xmas, birthdays, insurances, house maintenance to projects around the home.
It's amazing that despite taking a sizeable cut in income I am managing to save more than ever before. My one caveat is that I hope I can keep this up when the pandemic is just a memory.
Thanks for helping keep me on track with the advice.
Thanks for watching and your lovely comment
@@FrugalQueeninFrance not a problem and thanks Jane. I edited the comment to give "a bit" more detail. 😂
I have for many years had a budget. Paid of debt and fallen off the wagon and gotten myself into debt again. Been a pretty good path of saving over the last couple of years. Some months are tougher than others.
Keep going Lisa, you’re doing great
I don't think your talk was at all too tough. Let's face it, without tough love our kids would all be brats, and without tough love adults can ruin their lives!
I was in my 40s before I realised that many of the people who looked a lot richer than me were doing it with debt. I never tried to keep up, but now I feel proud of my choices and efforts rather than embarrassed by my apparent lack of 'success' in life.
As for frugal shaming, yes, I've had it. Thankfully I've found that the more 'real' you are about your frugal life and values, the more you attract similar friends into your circle.
We attract genuine people too. Thanks for sharing
Jane I am a new subscriber I just love your videos! Not just the recipes but your advice too. Just your positivity spurred me on today to do some sorting. Thanks and looking forward to seeing more....
What a very sweet video. Anyone who is in a bad situation will appreciate the way in which you approached the subject. You are a very good teacher and you are very kind
Thanks Natalie
Glad you addressed this topic, and doubly so as you can do so as someone who "was there." I think it's hard for those "new" to frugal to really wrap their arms around it all. But honest talk from those who've been there is incredibly helpful. And yes, fabric stores are hard. LOL
Thanks very much. My point about fabric stores is that I get tempted too, I don’t buy it but I certainly get tempted.
Thank you
Thank you for watching
Thank you Jane, I always look forward to your videos!
Thanks Yuko
I was very broke for several years. I tried to budget and minimize expenses.
At a certain point, I had to earn more money.
By developing my career,
I now earn much more than I ever have in my life.
I have now found Lifestyle creep is an issue.
Thanks for sharing
Thanks Jayne for making this video ,, we all need reminding at times to reign things in and to watch the budget ,, I could hear your strict teacher voice coming out 😄,, brilliant,, best wishes, Lisa
I was really trying not to be strict.
All very excellent advice! Great chat 👍
Thanks for watching
Thank you. We have paid off all of our personal debt except our mortgage and save at least 10% each month. It feels really good and freeing. We haven't used a credit card for any purchase in the last two years. We own a business and we are trying to pay off the debt on that too, but that is going slower with these challenging times. Thanks for the reminders and I like your Wed talks.
You’re welcome and thanks for sharing your journey
Enjoyed your video today!
Thanks Gary
Here for the first time :) I use a budget book, love being in control,but can always learn more !
Hi from England 🇬🇧 new subscriber x
Hi Julie, you are most welcome.
Love, love, love the mid week money chats! Thank you for your gentle honesty and support. Happy New Year to you and yours!
Happy New year Jane and Mike xx
And you too
love your content!
Thanks very much for watching
Thank you so much for this video it was so inspiring. I needed to hear this as I complete my no spend January challenge.
Keep going Gina
@@FrugalQueeninFrance Thank you 🙏
Great ideas here especially for anyone who is currently struggling financially.
Thanks Belinda
Thank you Jane for your straight talking , no - nonsense video. It will help me to aim to stay on track with our small budget and aim to save 10% of my earnings, which it quite a chunk at present, but will help review our budget again and see where we can further trim down . Hoping to aim to use this to pay down mortgage quicker.
Thanks for watching and commenting and good luck with the mortgage overpayment