I have bought myself one of those money tins that you can’t see through from Poundland. I put my shopping change into it every week and open it at the end of the year. It’s amazing how much I save. We are talking hundreds. One month I put £200 into it because I did a pantry and freezer challenge.
penny pinching is good; you are right; there is more to life than food, but living in France our money does mainly go on food; we have a really good charity shop near us, and having a friend working there really helps; thanks for your tips
Yes, shopping at different stores is a great idea and what helped me. I ended up putting together a Google spreadsheet of all the grocery items I regularly buy with price comparisons of every store in my town (plus some online sources for buying in bulk). I'm in the US, so I regularly shop at Walmart, Aldi, and Azure Standard, depending on what item it is. And if I'm at the store and see a sale going on, I compare it to my spreadsheet. I have a deep freezer, so I utilize that whenever possible. It has saved me tons of money! I also changed up our food habits a little bit and am trying to cook more simple, down-home filling meals. Also, that floral purse was 😍!!!
Here's my best tip, I'm frugal and have learned alot about money management, you are not going to like it much and will be painful but do not take your debit card out with you when you go out and about, if its on you, you will be tempted to spend, so much of fritting money I believe is the convience and ease of using a plastic card, if you drive then allocate an amount and keep it in the car so that you don't run out of petrol, debit cards are a painless way of spending we don't actually see the act of giving over money for services, I honestly believe that's why there is so much debt and overspending everyone pays on their phones too, that small drip drip leads to bigger problems down the line get out of the habit of habitual spending and your life and finances will be so much the better for it, try it for month and see how much you can save. Xx
Hi Liz, not sure if this will help at all but there are a few videos on UA-cam of meal prepping and dump and go bags for slow cookers and pressure cookers. I use my slow cooker a lot, especially whilst the weather is horrible, left overs get bagged up and go into the freezer once cooled down. I make enough to cover roughly 4 servings from the left overs, it comes in very handy for days when I can’t move around a lot. I also use meal prep containers with have different sections, so on really bad days I just get it out the freezer and warm it up in the microwave. When I’m not physically strong enough to do anything else it’s a life saver. I make tasty things like chicken in red wine sauce with green bean or mixed veg and mash. Xx
@@leannenicol9025 Thanks Leeanne that's really helpful. I will look at some. Just would like to see Jay doing some of this as really enjoy watching her cook and she is a primary carer too.
Love the tips Kay! 😊 I'm definitely gonna start writing down the things I'm thinking of buying. Some nights at about 9:30pm a small demon takes over my brain and makes me want to buy stuff online 😂 so I shall give the demon what it wants by writing down the thing instead of buying it then and there, and then I can decide later on haha. This year I want to start a savings account for medical things (eye test, dentist, perscriptions etc) cause I think that would be nice safety blanket to have for those sudden-and often large- bills. And I'm definitely going to try to be more mindful in general with my purchases 👍
Always pay yourself first - when you get your wage take whatever you can afford e.g. $100 or £100 and save it into another account and forget about it, it’ll soon grow over a 12 month period, then at the end of 12 months put that money into an RRSP if you live in Canada or whatever the equivalent is in your Country, you’ve earned that money so PAY YOURSELF FIRST 👍🏻👍🏻. Please note : I am not a financial expert or advisor its just something that was advised to me years ago 😊.
I started doing that a few years ago and it is so helpful! I started with 50$ per pay and I increased the amount a few times already. I got my bf on board last year he was not a saver at all but now he has some savings! And we don’t feel it is missing in our day to day.
It’s annoying and time consuming but we have been shopping at multiple supermarkets lately. For us it’s a mix of Asda, Iceland, B&M and Lidl. For example beans are cheap at B&M, bread and cupboard staples at Asda, Iceland for ready meals and pizza then veg at Lidl. We try to get the free delivery options for Iceland and Asda so we don’t waste petrol driving around and we walk to our local B&M. We do food shopping as our Saturday adventure and entertainment. We buy a lot of reduced and on offer food so we meal plan afterwards and everything gets eaten 😊
I do a Sunday reset write a list for meal planned shopping thenhubby fetches the list while topping Fuel Gas electricity for the week while I reset the house, it works for us.
Hi Kay! Thank you for the great money saving tips. Would you consider doing a video on meal planning? How to create one, stay in budget, and not be wasteful.
A trigger for me and buying is when I am stressed. I tend to spend more which is not good mainly on bad food which does not help when trying to eat good. First timer from Australia
This video is lovely Kay and very helpful. Thank you. I wanted to save money quickly in 2021 and pay off student debt. Like you said setting goals are important and keeping a record to see if you are on target is essential. I also looked at all of my expenses to see what I could cut down on or cut out completely. I closed down my Netflix and a couple of other subscriptions which totalled around £300 per year. Which I don’t actually miss at all. 😊 I meal plan, looking in my cupboards and freezer before going to the shops. I call it kitchen shopping, most of the time I can still make meals without going to the shops. I also bulk buy certain items such as cat food, toilet roll, bigger packs of snacks, meat etc, mainly because I have MS and I’ve been caught out a few times running low or running out of things and unable to get to the shop or get a delivery. I make my own version of takeaways to keep costs down, and budget spending money for date nights and days out with friends/family because let’s be honest we still need to have fun, and I found that I was more likely to fall off the wagon early in my journey if I didn’t give myself some play money xx
Great ideas Kay 👌 I just had a conversation with my daughter about 'sales'. We both work in retail and know how much of a huge mark up is put on goods. She wanted to buy an item because it was a great price but she didn't really need it. I said that at that price the store was still making a substantial profit so even though the price was reduced she wasn't really getting a 'bargain' but just getting the item at a more realistic price. It made her change her mind. Sales can tempting but if we remind ourselves that the sale price is 'just a reasonable price ' it soons changes our perspective imo 🤑😉
So much good, solid advice in such a short video; wonderful, Kay!💲 My husband and I have been using a cash envelope system for years. It is the best way to budget, as when the envelope gets empty, you simply quit spending! This new year one of my goals was to start using a money tracker journal. Amazon has some great ones! When I physically write down what and how much to buy, it holds me so much more accountable.
Oh yes triggers!! My triggers are seeds, plants and going on Amazon. I'm trying so hard as I want to have some lovely holidays this year, my word for the year is "memories" so my purse is staying shut along with my credit card. Thankyou for this inspiration Kay xxx
Great Video 👍 My trigger is Instagram… I’m aware of it so like you suggested I do the list of ‘wants’ and if I still want it in a months time ‘I never do’ I don’t buy it. Saving for our wedding is making things tighter than usual for us but it’s good habits to get into xx
Food waste is a real bug bear for us, we grow a lot of our own food now then we clean and process it and freeze it for hear round use. Writing a menu really helps to focus what we have and where we need to spend. I buy seeds and bulbs when I see them in the sale which makes it even cheaper. I also share produce with family and friends which works as we can all grow different things
Hi Kay a little tip I did for one whole year was, everytime i time picked up something, ie a mug ( haha my fav too ) I would ask myself have I ENOUGH, and if the answer was yes, then i would put the mug back, I would walked away quite content because I had ENOUGH, it honestly was a game changer for me, I still do this often and it has saved me buying silly impulse buys. and using up what I have in the fridge, I do not need 4 different relishes etc, afterall I can only put one on my sandwich at a time, I am trying to use up all I have before buying a different one, sadly it was once too easy just to throw things away. very wasteful. xxxx
Best tip always take food and drink out with you to avoid spontaneous spending on bottles of pop or water or snacks. We've started taking picnics on our days out and it's such a good feeling to know we've not had to spend £20.00 to get lunch. And it's cute too. Flask is my best item ❤
Fantastic video Kay!! Subscriptions really add up...I recently declutterd mine. I also started keeping a really easy spreadsheet listing all my incomings and outgoings...it is eye opening!! 🙈
very helpful video, thank you Kay! I'll be unemployed in 2 months, definitely not great timing with the crazy inflations. I found all the tips here to be practical and to the point.
A good video this week. Sensible suggestions. Have you checked out frugal Queen in France, I have followed her for years, financial advice which is so useful and some amazing frugal meals an all rounder channel and one I watch every week
I enjoyed this video and the ideas you shared where really helpful. I always love your money videos. You where some who inspired me all those years ago to use cash envelopes. That beautiful crotchet wallet you made still comes to mind. Thank you Kay ❤
Loved this vlog. Usually I have to skip as you hat to your cats. Sorry not a cat person but I love your ethics and I don’t want to unsubscribe because you love your cats . Have great day 🌿🌿
I needed this. Thank you, Kay. I have to pay debt. And I need to save for a new vehicle. Thank you again! 😊 Books are my trigger. I love reading so much.
Thank you for the great tips. We got rid of our I Pad and bought a laptop. It will pay for itself in half a year. The monthly fee for the pad is gone. I struggle with work lunches. There is a grocery store down the plaza, and it is too easy just to run down to it. It is where I overspend.
I have bought myself one of those money tins that you can’t see through from Poundland. I put my shopping change into it every week and open it at the end of the year. It’s amazing how much I save. We are talking hundreds. One month I put £200 into it because I did a pantry and freezer challenge.
Awesome!
penny pinching is good; you are right; there is more to life than food, but living in France our money does mainly go on food; we have a really good charity shop near us, and having a friend working there really helps; thanks for your tips
I'd love to buy a house/ smallholding but with prices doubled It seems to slip further away but I'm chipping away.
Yes, shopping at different stores is a great idea and what helped me. I ended up putting together a Google spreadsheet of all the grocery items I regularly buy with price comparisons of every store in my town (plus some online sources for buying in bulk). I'm in the US, so I regularly shop at Walmart, Aldi, and Azure Standard, depending on what item it is. And if I'm at the store and see a sale going on, I compare it to my spreadsheet. I have a deep freezer, so I utilize that whenever possible. It has saved me tons of money! I also changed up our food habits a little bit and am trying to cook more simple, down-home filling meals. Also, that floral purse was 😍!!!
I am doing a no spend January. My goal is to payoff 2 credit cards this year.
Here's my best tip, I'm frugal and have learned alot about money management, you are not going to like it much and will be painful but do not take your debit card out with you when you go out and about, if its on you, you will be tempted to spend, so much of fritting money I believe is the convience and ease of using a plastic card, if you drive then allocate an amount and keep it in the car so that you don't run out of petrol, debit cards are a painless way of spending we don't actually see the act of giving over money for services, I honestly believe that's why there is so much debt and overspending everyone pays on their phones too, that small drip drip leads to bigger problems down the line get out of the habit of habitual spending and your life and finances will be so much the better for it, try it for month and see how much you can save. Xx
Annoyingly major rigger is chocolate. It’s small expenses at the time but soon starts to add up
Great reminders to start off a new year! Thanks ❤️
Hi Kay, you look so great with hair waves👍🌻
Can you please do a video about being a carer whilst working. I am a carer to my Mum and struggle with getting healthy meals for her etc.
Hi Liz, not sure if this will help at all but there are a few videos on UA-cam of meal prepping and dump and go bags for slow cookers and pressure cookers.
I use my slow cooker a lot, especially whilst the weather is horrible, left overs get bagged up and go into the freezer once cooled down.
I make enough to cover roughly 4 servings from the left overs, it comes in very handy for days when I can’t move around a lot.
I also use meal prep containers with have different sections, so on really bad days I just get it out the freezer and warm it up in the microwave. When I’m not physically strong enough to do anything else it’s a life saver.
I make tasty things like chicken in red wine sauce with green bean or mixed veg and mash. Xx
@@leannenicol9025 Thanks Leeanne that's really helpful. I will look at some. Just would like to see Jay doing some of this as really enjoy watching her cook and she is a primary carer too.
Sorry meant Kay.
Love the tips Kay! 😊 I'm definitely gonna start writing down the things I'm thinking of buying. Some nights at about 9:30pm a small demon takes over my brain and makes me want to buy stuff online 😂 so I shall give the demon what it wants by writing down the thing instead of buying it then and there, and then I can decide later on haha. This year I want to start a savings account for medical things (eye test, dentist, perscriptions etc) cause I think that would be nice safety blanket to have for those sudden-and often large- bills. And I'm definitely going to try to be more mindful in general with my purchases 👍
It’s just too hard to save money. Every time I get paid I always want a takeaway especially when I just finished work.
Fantastic video, thanks x
But one get one free. Bogof. Or three for the price of two xxx
Always pay yourself first - when you get your wage take whatever you can afford e.g. $100 or £100 and save it into another account and forget about it, it’ll soon grow over a 12 month period, then at the end of 12 months put that money into an RRSP if you live in Canada or whatever the equivalent is in your Country, you’ve earned that money so PAY YOURSELF FIRST 👍🏻👍🏻. Please note : I am not a financial expert or advisor its just something that was advised to me years ago 😊.
I started doing that a few years ago and it is so helpful! I started with 50$ per pay and I increased the amount a few times already. I got my bf on board last year he was not a saver at all but now he has some savings! And we don’t feel it is missing in our day to day.
It’s annoying and time consuming but we have been shopping at multiple supermarkets lately. For us it’s a mix of Asda, Iceland, B&M and Lidl. For example beans are cheap at B&M, bread and cupboard staples at Asda, Iceland for ready meals and pizza then veg at Lidl. We try to get the free delivery options for Iceland and Asda so we don’t waste petrol driving around and we walk to our local B&M. We do food shopping as our Saturday adventure and entertainment. We buy a lot of reduced and on offer food so we meal plan afterwards and everything gets eaten 😊
My triggers are :
Constantly looking at my bank balance 😂
Ordering food instead of cooking!
This month is where the big changes happen and I’m ready!
I do a Sunday reset write a list for meal planned shopping thenhubby fetches the list while topping Fuel Gas electricity for the week while I reset the house, it works for us.
If you're looking for someone who can inspire you to chase your dreams and live your best life, this influencer is the one to follow.
Hi Kay! Thank you for the great money saving tips. Would you consider doing a video on meal planning? How to create one, stay in budget, and not be wasteful.
A trigger for me and buying is when I am stressed. I tend to spend more which is not good mainly on bad food which does not help when trying to eat good. First timer from Australia
This video is lovely Kay and very helpful. Thank you.
I wanted to save money quickly in 2021 and pay off student debt.
Like you said setting goals are important and keeping a record to see if you are on target is essential.
I also looked at all of my expenses to see what I could cut down on or cut out completely.
I closed down my Netflix and a couple of other subscriptions which totalled around £300 per year. Which I don’t actually miss at all. 😊
I meal plan, looking in my cupboards and freezer before going to the shops. I call it kitchen shopping, most of the time I can still make meals without going to the shops.
I also bulk buy certain items such as cat food, toilet roll, bigger packs of snacks, meat etc, mainly because I have MS and I’ve been caught out a few times running low or running out of things and unable to get to the shop or get a delivery.
I make my own version of takeaways to keep costs down, and budget spending money for date nights and days out with friends/family because let’s be honest we still need to have fun, and I found that I was more likely to fall off the wagon early in my journey if I didn’t give myself some play money xx
Great ideas Kay 👌 I just had a conversation with my daughter about 'sales'. We both work in retail and know how much of a huge mark up is put on goods. She wanted to buy an item because it was a great price but she didn't really need it. I said that at that price the store was still making a substantial profit so even though the price was reduced she wasn't really getting a 'bargain' but just getting the item at a more realistic price. It made her change her mind. Sales can tempting but if we remind ourselves that the sale price is 'just a reasonable price ' it soons changes our perspective imo 🤑😉
So much good, solid advice in such a short video; wonderful, Kay!💲 My husband and I have been using a cash envelope system for years. It is the best way to budget, as when the envelope gets empty, you simply quit spending! This new year one of my goals was to start using a money tracker journal. Amazon has some great ones! When I physically write down what and how much to buy, it holds me so much more accountable.
I'm getting married in May 2024!! 🙈
Oh yes triggers!! My triggers are seeds, plants and going on Amazon. I'm trying so hard as I want to have some lovely holidays this year, my word for the year is "memories" so my purse is staying shut along with my credit card. Thankyou for this inspiration Kay xxx
Great Video 👍 My trigger is Instagram… I’m aware of it so like you suggested I do the list of ‘wants’ and if I still want it in a months time ‘I never do’ I don’t buy it. Saving for our wedding is making things tighter than usual for us but it’s good habits to get into xx
Hi Kay. Avoiding triggers is such a good thing to remember 👍 XXX
Food waste is a real bug bear for us, we grow a lot of our own food now then we clean and process it and freeze it for hear round use. Writing a menu really helps to focus what we have and where we need to spend. I buy seeds and bulbs when I see them in the sale which makes it even cheaper. I also share produce with family and friends which works as we can all grow different things
Hi Kay a little tip I did for one whole year was, everytime i time picked up something, ie a mug ( haha my fav too ) I would ask myself have I ENOUGH, and if the answer was yes, then i would put the mug back, I would walked away quite content because I had ENOUGH, it honestly was a game changer for me, I still do this often and it has saved me buying silly impulse buys. and using up what I have in the fridge, I do not need 4 different relishes etc, afterall I can only put one on my sandwich at a time, I am trying to use up all I have before buying a different one, sadly it was once too easy just to throw things away. very wasteful. xxxx
Best tip always take food and drink out with you to avoid spontaneous spending on bottles of pop or water or snacks. We've started taking picnics on our days out and it's such a good feeling to know we've not had to spend £20.00 to get lunch. And it's cute too. Flask is my best item ❤
Fantastic video Kay!! Subscriptions really add up...I recently declutterd mine. I also started keeping a really easy spreadsheet listing all my incomings and outgoings...it is eye opening!! 🙈
Thanks Kay. Lovely tips.❤
very helpful video, thank you Kay! I'll be unemployed in 2 months, definitely not great timing with the crazy inflations. I found all the tips here to be practical and to the point.
I pray that you will get a new job before the two months are up by the grace of God, in Jesus Name amen
A good video this week. Sensible suggestions. Have you checked out frugal Queen in France, I have followed her for years, financial advice which is so useful and some amazing frugal meals an all rounder channel and one I watch every week
Wonderful video x
I enjoyed this video and the ideas you shared where really helpful. I always love your money videos. You where some who inspired me all those years ago to use cash envelopes. That beautiful crotchet wallet you made still comes to mind. Thank you Kay ❤
Cat had to take peek. We grow veggies in the basment.
I check my account every day x
Not that I ever save any but I never go overdrawn any more x
I do as well,that way I'm completely on top of everything!
I totally agree having cash ,
❤Thanks so much for taking the time to share your tips, they’re absolutely spot on!!! Sending love & hugs to you sweet Kay!!! 🥰🙏🏻❤️🙋🏻♀️❌⭕️
Thank you for these fantastic tips - very helpful!
You look so well Kay! Thank you for sharing some great tips x
I am a veggie tried Aldi and Lidel fruit and veg but does not last and interior taste sadly
Great reminders Kay thank you 😊 ☺️
Loved this vlog. Usually I have to skip as you hat to your cats. Sorry not a cat person but I love your ethics and I don’t want to unsubscribe because you love your cats . Have great day 🌿🌿
Thanks for sharing 👍 😊
Me 1st
I needed this. Thank you, Kay. I have to pay debt. And I need to save for a new vehicle. Thank you again! 😊 Books are my trigger. I love reading so much.
Thank you for the great tips. We got rid of our I Pad and bought a laptop. It will pay for itself in half a year. The monthly fee for the pad is gone. I struggle with work lunches. There is a grocery store down the plaza, and it is too easy just to run down to it. It is where I overspend.
This is such valuable advice! Thanks soooo much Kay 🤎