5 Frugal Habits To Cut Your Expenses in Half
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- Опубліковано 22 жов 2023
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1. Shop Strategically (buy generic, shop budget groceries)
2. Don't go out to eat
3. Say no to "extras"
4. Eliminate Social Media temptations (influencer items for cloting, interiors, etc.)
5. Cut down on subscriptions
Already doing all the above!
Thank-you for summarizing this
t.u
u r a time saver and time is money...
also, not here for ads...
We only eat out a few times per year and end up disappointed most of the time. I learned how to cook from UA-cam and now I can make pretty much anything we feel like eating for just a few dollars. Copycat recipes are my best friend. Plus, with 5 young kids, eating out is comparable to managing a circus.
I totally agree! I usually look at the amount and quality of the food and say this isn't worth it! We are four kids who prefer home cooking and are picky at restaurants!
Same! Although it’s just my husband and I, I still can’t help but think most of the time “this one meal would’ve been a weeks worth of groceries, and it wasn’t even that good!”
We have saved so much from only going out occasionally and you are right most of the time we realize we can make a much better meal that costs so much less.
Agree 100%.
I collect menus and figure out my fav items and can almost copy it.... save $$$$
Ps. There are some things I haven't cracked the code on but I will I will soon LOL
Funny to me that not eating out is considered a sacrifice. Waiting for a table, waiting for water, waiting for the server, waiting for the food, waiting for the bill, feeling socially shamed to over tip, paying to listen to music I'd rather not listen to. We PAY for this?! Eat at home. It's really SO much better.
Truth. But many people are alllowing Fast Food places to steal their money and their health.
Every Friday is a 4-course meal day. Finish the leftover from Monday-Thursday.
"Saturday surprise"... 😂
Saturday sunday ... no food in the house 😂
We enjoy having Pizza out on occasion at a family owned nice clean quality restaurant they don’t pay for advertising on TV or social media, no tipping is required for dining in and they don’t ask or prompt when paying with credit card, we order pizza at the counter and pick it up when called, it’s a hidden gem within a large metro area!
You should still tip them though
Avoid high interest debt. Cut costs. spend less, earn more and invest passively The best way to find that balance between saving and living is by investing..what i can say to early investors is diversification and solid management this was how i got to my first million..at this point I'm actually grateful for my FA OLivia Rene Reyes.
Love it, thanks for sharing , rest assured someone is acknowledging this.
easily found her website; it appeared as soon as I typed in her name. I appreciate you and I will definitely get in touch with her to figure out the best course of action for me. Thanks
Truly It's all about using assets with compound interest to amass riches.
That’s some good values. sounds like you got something going for you
My #1 change I made was eating at home and not going out to eat! Saving hundreds a month
I too realized that I had to step away from social media in order to not be tempted to buy, buy buy. Those influencers really are good at it. 😂
My trick is to use up what I have, before I buy more. I'm surprised by how long I can make a product last if I don't have a replacement in the cupboard.
I started doing this more too. Although in the winter I will probably stock up more because in the Midwest one never knows when a snowstorm might hit.
I do the same thing. Like toothpaste, I cut in the middle with scissors. You would be amazed how much is left in there
Did you have any problems with this during the pandemic? I got through the whole toilet paper shortage because I had a stockpile of sales purchased TP, which got me through the shortage period without having to search multiple stores for it.
For me it’s not wanting to load all three kiddos up for a “quick grocery run” 😂
But attempting new recipes that use the random things I have on hand, it is amazing how long you don’t have to go to the store!
I pre-plan errands, meal plan, have limited my subscriptions, shop at Walmart and Aldi, and stop and ask myself if I need that item or do I just want it
I save by buying in bulk. anything with a long shelf life… especially pasta and pasta sauces, snacks, rice, beans etc. buying it once takes a big chunk but then my weekly groceries are less. Also prepping and freezing some kid items like muffins and pancakes!! I make huge batches on Sunday and it’ll last us all week if not two , in the freezer.
I've found that when it comes to amazon shopping, i get the same dopamine hit by just adding stuff I want to my favorites list just to get it out of my system and then if I'm in a place where I have a lot of extra money that month, I can treat myself by buying one thing off my list. It's also handy around christmas time, my MIL uses my wishlist to get me gifts every year
I use the "quick" cycle on my washing machine which is only 26 minutes instead of 59 minutes. And the clothes still get clean. I also hang my clothes outside on a clothes line. Saves on my utility bills.
I also started doing this and cut down on the size of the loads as well. I also do the store brands in many things ❤
I have an old school washing machine where I started doing “express” with one rinse and on cold water. Definitely cuts down the utility bill!
I hang my clothes up in the garage because I live in an apartment and they don’t like clothes outside. Works just as well.
I bought a laundry rack years ago. It is just my husband and I but I do one load a day (no weekends). I do it first thing in the morning and hang them on the rack in our master bedroom. They are dry the next morning. Then I put them in the dryer on air fluff for 10 minutes so clothes are not stiff. Only use heat in dryer for bath towels.
I also do the quick cycle on my dishwasher as long as it’s full and run right away.
Almost done with my no spend October.... Saved over 400 dollars....
Grocery shopping was limited to absolute necessities.
Eliminated impulse purchases. I will definitely do more no spend months.
Good job!
Awesome! I did the challenge in August. I saved at least 400. This month I tried and didn't do great. I am going to try in January
Good idea
I always do no spend months - they are amazing - great job !!!!
The plan for my husband and I is to continue the no spend month for November. We attempted to do the no spend month in October which went okay. We've cut our groceries in October from $500 down to $300 so that's a savings of $200. In November our plan is to buy only the staples of groceries that we need and nothing extra.
Cooking from scratch and eating at home saved us big bucks. After a couple of months of eating at home, we ate out and were so disappointed. My family prefers my cooking to that of most restaurants we used to frequent. Win-Win!
That's the quote of the year! "I didn't even know that Thing existed until I saw it online"
I shop almost exclusively at Walmart and Costco. They have great prices, and unless you need some rare specialty item, you can find practically everything. And restaurants have become so insanely expensive lately. We were at the mall walking the other day and saw that one large poutine (Canadian here) was an entire $13 plus tax! That's insane for french fries. Even fast food is ridiculously expensive these days.
We just did this last month. Cut down some subscriptions like Disney+ and Hulu because we get Netflix and AppleTV for free. Canceled a YMCA membership we hardly used. Always have shopped at Aldi but after looking at our budget, not eating out and making small changes we're able to save almost 2k a month.
This stuff works, and we don't feel like we're missing out on anything.
I canceled my Netflix, Disney, and Hulu. It’s been the greatest thing ever. So much more free time. I’ve used it towards more time at the gym, reading and cleaning.
Wow, that's fantastic! Great job. Almost 2k?!
Im saving $$$. I stopped buying on Amazon❤🎉
I did a price comparison for stores in my area. It blew my mind that Sam's really does beat Walmart- which is hilarious since they are owned by the same people. Shop wholesale when you can and it will pay off in the long run.
We've done all of those things for decades. What we need as retirement is looking ahead is ways to cut property taxes and all insurances ( home, car, health, life) in half!!! Many seniors end up being "insurance poor" while living very frugally.
Yes insurance is a biggie, even here in Aussie land. When the insurance notice comes in I start shopping around to see if I can get a better or cheaper quote. This has saved me heaps of $$$ over the years. Avoid being loyal to one insurance company or for that matter to one telecommunications company. They all save their best deals for new customers rather than look after their loyal customers. I regularly check to see if I can get my internet or mobile plans cheaper however, due to the rural area I live in, I do have to be careful re this due to potential reception issues. However, I refused to pay the big telcos a cent. They rip people off big time.
Another tip: Cut all your other credit cards. Just keep one. 😊
I did the cut all subscriptions tip. 😁 So far so good.:)
I had a credit card or two for over 40 years. I now have no credit cards and use a Debit card and quite frankly I couldn't be any happier. Every fortnight I put aside $20 (as I now live on the pension here in Aussie land) into my emergency fund. Small amounts do add up over time and I've been doing this for some years now - even when I was working. I know that once I spend the money it's gone. So even though at times I like to have a spending spree (lego is my current hobby)
I know that when it's time to stop spending, it's time to stop spending and save up the $$$. I also allow myself a small splurge money each fortnight, that I can spend on whatever I feel like guilt free. A great way to go. I no longer require a credit card and quite frankly am glad I don't have one as the credit card debt creep is indeed real even if one pays the balance out each month. You won't know yourself once you cut up the last credit card on just how freeing this really is.
I have figured out for myself that if I need only a few things, to just not go to the store if I can figure out other alternatives that I do have at home. The reason for this is, that if I go for 3-8 things, I somehow mentally think oh I can afford to buy (fill in the blank) which means splurging on something I don't really need, and spending more than necessary.
That's a great idea, holding off to stay out of the stores.
Years ago, on the advice of a school friend, to save time, I started running errands on just one designated day per week (Fridays - a weekday - to get both business and personal errands done, and because there's extra time in the evening on Fridays to finish up the errands: no evening meetings to attend.) If I want to go out on the weekends, I go out Saturday night. I wanted to choose a day that could be a lifetime habit. I figured Fridays would be best weekday for the types of jobs I would be doing (office work).
Initially, it was overwhelming to do all the errands on one day, but I quickly learned how to cut down the errands until they were only taking 1 - 2 hours per week (except for getting haircuts and going clothes shopping occasionally.) Having the same designated errand day each week freed up up a huge amount of time, made my life more predictable, organized, orderly, and calm; made weekly grocery planning easier, and saved me a ton of money on car expenses and impulse buys.
Doing errands on Fridays sets me up with cash, gas, and groceries for the weekend and next work week. No more waiting in a grocery line at 6 pm on a Tuesday, or dealing with the weekend supermarket crowds. I can just stay in, cook for the week, and enjoy my weekend. And bike or use public transit to work for some jobs, because I don't need to run errands after work.
Can u do a video about budgeting for Thanksgiving meal?And, a video on how to stay on a budget for Christmas meal and holiday shopping. Thank you.
Would love to see this. Would be very helpful!
A little late for this year, but I keep separate holidays food envelope. Any extra at end of month I put in there. I have a few hundred dollars in there come the holidays and I supplement Thanksgiving and Christmas food needs. Also, I try to eat down the freezer/pantry for November (before Thanksgiving). That gives me a bigger Thanksgiving food budget too.
Always take your vacations at your family’s houses….Was my sister’s frugal way to save. My house is now closed for business, no more visitors shall sleep here. It’s been going on for over 25 years. Huge savings for me and less work.
Little habits for the win. It wasn’t long ago, I was staring at my shopping list wondering what I could cut. I remember not buying tortillas for months, because I had a ton of rice on hand and I knew I could just turn all those meals into rice bowls. Family was happy. I used to put an item or two in the kid ride area of the cart while shopping to add it in if we had the margin or I could set it aside last min if I already hit my total.
Learn to DIY tortillas. For flour I make up dough, roll into balls, store in fridge up to 1 week. Let warm up at room temp 5 to 10 minutes. Roll out. Each kid can roll their own. So fast and fabulous taste. Costs pennies.
@@happycook6737 I will have to try that sometime! Thanks!
My dryer broke 13 years ago. I hang everything to dry. I dont miss it at all.
Food wise. I buy larger fresh quantites of fruits and veggies and cut everything up taking out of the plastic containers and place in glass containers. The food stays fresh for a week, eliminating another store run. I cook larger quantities of whatever meat is on sale using it in different types meals for the week. Mark down meats are good as long as you cook it right away.
I recently bought the cheapest body pillow on Amazon day..... after watching this video I realized all I had to do was sew 2 pillowcases together and use my old pillows. As long as you're not squeamish about old pillows they really are an investment and last a long time
Going to cancel my Comcast since I am now getting charged 280.00 a month!! Ridiculous!! That’s a 3360.00 a year instant raise in income.
Shopping strategically also means shopping the sales at more of the "expensive" stores - for example, Publix had Campbell's Cream Of Soups B1G1 last week, so I stocked up. They were 55 cents a can. Walmart brand Cream of Chicken is 68 cents. It's really important to look at grocery circulars because many items WILL be cheaper than Walmart or Aldi when they are B1G1.
Those are great prices. May I ask what part of the country you're in? Even the generics at my store are a lot more for those items. In California. I also can't shop at the big stores like Costco because I have a small kitchen, would take forever to use large quantities, etc.
And to remember it is easy to make white sauce with flour, milk, butter or margarine. Add some powdered soup mix and you've got a can cream soup duplicate for oven baked casserole. Dupe doesn't work in crockpot
@@ALinn-vr3nl I'm in south Georgia, so yes, region does make a big difference in food (and gas!) prices.
Yes 🙌 Do a no eat out month! Aldi is the best! These are good tips, save that $100 you’re saving and watch it add up!!
"Try @ least 1 of these frugal habits this week just do it..." 👍🏽 “The quickest way 2 double ur money is 2 fold it n half & put it n ur back pocket.”-Will Rogers 💵
I live in an expensive Caribbean country. Every time I travel to my home country Germany I raid Aldi (and Lidl) and bring back lots of delicious food. I wish we would have an Aldi where we live. Great quality, small prices
I changed jobs oct 19. Pay went up every year. It helps a lot, even if it plateaus.
I pounce on coupons for eating out when they come in the mail! It’s so handy to spend half the cost; most of the time.❤
wow - i was commuting back from a large music convention and the ' new toy ' I really like that just got released this month...was there....AND the company offered me a very hard to refuse discount to obtain this new music toy AND it's barely in my budget... I COULD make it happen AND it'll still be around 2 years from now.. so, after accidently stumbling on your video in the car...I've decided...' I don't really need it' and ' I can wait. shared your vids with some friends and family cutting netfix, max , food delivery service and might sell things I simply can't live without that I never really use... thank you ( prayer hands)
I love meal planning. It helps stop the temptation when you’re hungry to make impulsive spending on takeout or a restaurant. Don’t allow the temptation to find a way to creep in.
Eating at home is a huge one for us.
I love this! Very realistic. ❤ Also, minimize getting pedicures/manicures. I learn this from a blogger. Wear the same clothes too and if you feel embarass wearing same clothes on the photograph, either get over the idea or dont join the photo session. 😅
Thank you for this, Rachel!
A super frugal, ( and unpopular) lifestyle is to not get any pets. For some thats too much of a sacrifice but its a huge, unnecessary expense that can be prevented.
Dogs are worth any expense for the unconditional love they give.
There are days that I think my pet is more important than the roof over my head. So pet free living is not currently an option for me, but you are right that they are an expense, and it is only getting more expensive with the corporatization of Veterinary Medicine.
Pets are emotionally beneficial for most people, but agree too many or when you are in an unstable situation you are better off without one.
Yes don’t have any children either lol
So true. Our youngest child is special needs who is a young adult who will never leave home. We absolutely have to be careful about our budget. I guess some individuals cannot possibly comprehend that so that makes us "weird". I am perfectly okay with that assessment, lol.
The social media thing is definitely a thing! Thank you for this video!
I just went over budget and had completely forgotten abt subscriptions ( that i dont use .) !! Thank you Rachel
It’s funny. Us gen x. Every month was no spend lol. People rarely ate out. Rarely shopped unless you really needed stuff. So the grocery store was the only biggie. Now here we are lol.
And where exactly are you now??
@@rayb3000 spending a lot more than my parents did back when.
Aldi is just beautiful. I fit in there perfectly. Just a generic mom/grandma. Pretty much unnoticeable.😊
I don't eat out, period the end
I hate paying someone to cook my food then having to tip someone to bring my food to me
The last time I ate out was 2 years ago when I retired
I clocked out stepped in the bosses office and told him today is my last day my social security retirement starts next month have a nice life see ya
Got in my car drove straight to long horn steak house and got the biggest prime rib they had
Been living on beans and rice ever since but I don't have to go to that God horrible worse than death job I slaved at for 33 years 😊
One tip I've implemented is to shop for some (not all, people) groceries at the Dollar Tree. I was able to buy five nights' worth of dinners there. Pasta, stir fry, bean & rice burritos, and more. Just saying...
Check price vs quantity. Most foods at my Dollar Tree are much more expensive than loss leader sales and Walmart. I price per ounce.
Dollar Tree is cheaper than Walmart which is cheaper than Vons. Quality is same or better on veggies & berries.
I have to admit I bought graham crackers at the Family Dollar. They weren’t even worth the price. Hard to tell the box from the product. As you say, you have to be selective.
Great Rachel. You got the frugal people all riled up!
"Don't eat out." I go to Subway at least 3 times a week. I get a 12" carryout sandwich loaded with raw veggies. It feeds me 2 healthy meals, $5.90 per meal! Can't make your own that cheap.
My budget is low on Socisl Security Disability income; I am used to going without so many things. I am alone, if I see a special on a take out, that’s like my treat for the month. I really am more scared that the prices will get to a point of no return and no matter what you cook, you hope it last for a week!! So grateful my children are grown and gone. Husband passed 7 years ago. It isn’t easy; but Hod has me and always will. God Bless. ❤
It’s so incredibly important for the younger people to take note of the eating out and the “extras” points because trust me, it does develop a life long habit. Watching this video reminded me that even now in our early 40s we still go out to eat mostly for our birthdays (only 4 days apart so we do one dinner) and very occasionally outside of those, maybe 3-4 times a year. Amazon is a tough one for my hubby and Nordstrom rack is my weakness 😅
Correction... Important for everyone to take note of not just "the younger people."
Thank you for the tips! I exchange dresses and shoes with a friend we get a new wardrobe with each others gentle used clothes and shoes fortunately we are the same size and have a similar style
Rachel…love your advice. I’m a senior, empty nester who proudly shops at Aldi and Walmart to save money. If I think about your ideas from a kid’s standpoint, they might at first see only negative consequences. What if we offered them a chance to shop for a “fun” food while at the grocery store that they could have as a treat for eating at home? Maybe they like strawberries and would love a home made sundae with a Sunday home meal. Or if they participated in making home meals they could get a boost in their allowance, etc? Hopefully you see my point….make it fun, rewarding for kids to learn to save money. “Teach them to fish…..”
Buying mostly loss leaders and meat on a low sale price makes a huge difference. Aldi and Walmart are mostly our go tos. Also, our local grocery has good meat prices when on sale.
I did a yourube $165 meal prep and now have meals for all of Nov! I suggest shop the day before
Thanks! That was great! 🌹Red
Amazing advice!
Thanks Rachel
I hardly go out unless it's a meetup event, maybe once a month. I just came back from a 27-day vacation where you eat out every day. Now I'm home cooking. Made a 3lbs of beef stew for 4 days with rice. I also made a lentils soup for lunches and also put in a freezer for another week.
I was hoping for a bit more frugal…these 5 habits are already my lifestyle. What would the next “level” of frugality look like?
Grow your own vegetables, canning them. Get chickens. Buy used clothes and second hand furniture. Make your own pet food. Make your own cheeses, yogurt, mayo, etc.
I garden, but collect my own seeds so the annual cost is so minimal.
My hardest thing is coffee runs and I've gotten so much better by making flavored ice coffee at home.
plan most or all errands in one trip. This can save a lot in gas money!
Yess I do love my Publix 😭
Great that loosing your voice didn’t stop you from making this great video 😊 Thanks PS, I also lost my voice 2 weeks ago 🙏🏻
losing 😊
The clothes part, I can relate.
Word of wisdom to all you young girls don’t be to frugal or go without because you are just going to make the second wife have the best life on your frugality 😮
Sounds like you had a divorce
Buy whole milk instead of skim or 2% and add water to each use
Or don’t buy milk at all!
Aldi yes. Walmart no way.
Opposite for me. All the Aldi's been to are gross and dirty.
Yeah, I can't get behind Walmart's business model of driving out mom and pop businesses, especially in small towns. Aldi for me.
I've been doing these habits FOR YEARS. Looking for NEW ideas. Unfortunately, these same tips have been spouted for years by numerous people.
I agree. But sometimes we need repetition bc a lot of ppl out there still do these things even if they know about these habits they can fix/avoid. Have you tried minimalism? I’m currently on that journey.
@@diannebee I'm in that journey, as well. Even though we're in BS7, I'm always looking for ways to cut down expenses so we have more money to invest.
@@bettedavis9261 May I ask what BS7 is, please?
Here are my hacks, apart from what was stated in the video:
1. Be frugal with toothpaste. You only need a quarter on a toothbrush to clean your teeth properly. Therefore will save $$$ on purchasing toothpaste overall.
2. Check out the cleaning cupboard. You probably have a whole heap of items to clean your home already stashed away. Use all these first, then reduce your cleaning products to 2 at the outside. White King to clean the bathroom. A lemon boiled in a hot water jug to clean the pipes, especially the kitchen sink pipes. Baking soda will do wonders and save you a ton of money on expensive household cleaners. (Or if you don't want White King try Koh - it will clean all surfaces including floors - tiles or boards).
3. Turn off the lights. You'll be amazed how much electricity you will save down the track. I use battery operated sensor lights in my home and they also will act as a security feature because if someone univited enters your home, as they pass the sensor lights will turn on. Use solar powered lights outside to light up your home. Again will save on electricity.
4. Purchase an air fryer oven and you'll be amazed how great everything tastes and cooks in a fraction of the time and you'll save electricity or gas on using a regular oven. (It will pay for itself in the long run.)
5. Purchase a bean cappachino machine (rather than use pod machines). Again it will save you money down the track. I have 3 mugachinos each money. (2 via my bean cappachino machine and one instant.
6. Unplug all non-essential items, i.e. lamps, microwave, cappachino machine, milk frother, air fryer, washing machine, dryer and the like. Even when turned off at the wall they chew up residual electricity. Naturally the fridge/freezer has to remain on. Everything else is up for grabs so to speak. Only plug in when you have to use the item.
7. Install 2 rods in a spare room to hang clothes on coathangers on. Rather than use the dryer. Install a clothes line if have the room and space to hang sheets &/or towels. Why use a dryer when one doesn't have to!!!!
8. Use the dishwasher if you have to have on sparingly. Well before dishwashers were invented people washed their dishes by hand. Why not try it for a few nights of the week rather than using the dishwasher. Again will save on electricity, as well as, water usage.
9. Do you really need that gym membership? There's plenty of exercises one can do without the need to go to the gym and pay an expensive membership + the gym outfit at the same time. There's even exercises one can do simply by sitting down and doing them and you'll still feel virtuous that you have completed your daily exercise routine. Or if you're into walking (which I am not) go for a walk around the block. It's free!!!!
10. Turn off your computer before going to bed. You're not going to use the computer while you sleep so why keep it turned on.
11. Buy an Oodie (coat blanket) as they are incredibly warm and you won't require to put on the heater in winter. I live in mine. So much so that I have 2. One to wear whilst the other is washed and hanging on a hanger to dry. (Admittedly where I live in Aussie land, we don't get snow. However, I'm sure you can come up with some other type of blankets or clothing to keep you snug and warm during the winter months.
12. Buy denture tablets. You can buy a box of 40 + denture tablets for a fraction of the price of a cleaner. Great for cleaning the toilet. Also great for cleaning non-stick frypans, milk frothers, coffee mugs, back of plates and the like. Simply toss in a tablet in water and leave the item to soak overnight. You'll be amazed how clean everything becomes. Also great to keep the kitchen sink sparkling.
In Conclusion:
These are my top 10 household hacks and they stand me in good stead. Even if I do get carried away with having the lights on at times, my electricity bill for the quarter is less than half some of my friends bills.
Hope this assists.
I shop the weekly grocery sale ads at my local store and prices on some things end up being cheaper than walmart- and I buy my meat from Sams for better value
Our water bill just went from $900 per year to $3000 per year. We are in British Columbia Canada. Awful awful awful! We are looking into having a well drilled. That’ll probably run us about $25,000 but then it’s done.
Ouch! That's brutal
No Subscriptions for more than Year..for me..
I also shop at Aldi's..
But need to stop shopping at target 🎯
Eating out is my weakness 😅
Two trade skills that can keep you from overspending: culinary - learn to be your own chef, so you can eat at home. mechanic - learn to maintain your car, so you won't have to overpay a mechanic.
Love telestrations
Walmart is getting expensive. I only shop at Costco and Safeway. Both places I get cash back and or points.
I agree!
Rachel do you really shop at Aldi & budget? Just curious x
Already doing all these :) The quality of the vegetables and fruits at Publix in my area is far superior to all other stores. That's a hard one to let go of.
Shop subscriptions on Black Friday....we only have Hulu and got it for $1.99 for 12 months at Black Friday in 2022!
Aldi fan here 🎉 lol
I have saved $200 a month not eating out!
When we eat out, we usually go to a fast food instead of a sit down restaurant. 1. No tip, 2. Cheaper, 3. Less food. We get the Wendy's 4 for $4. Or we will use coupons.
Cute top. Where did you get it from?
Have already done all of this. Any new tips?
As I am watching this video I am shopping for shows online . Hey but we need to start somewhere Haha
You need to watch when you go to the dealer they do a good job you’re in and out the same day it’s just the cost the brakes are more. The oil changes are $80 the that does not include tire rotation which is $30 I’m not going to the dealer for a while.
I really enjooy watching you, please take care of yourself and your voice.
Who has the best prices on salmon?
Have the set up early dollar for a monthly income yet ?
No streaming apps , grow your own vegetables, shop at Aldi‘s, Use night lights in your house, so you don’t have to turn on the lightbulbs. Use appliances off peak hours.
Netflix just did another price hike. I am going to pause my subscription
Good points though . I got off Instagram and I am shipping lot less
That's what we've been slowly doing. Haven't had Amazon for over a year, and it hasn't made a difference in our daily lives.
I only have Netflix. I watch everything else online lol.
it is almost impossible to notice that you are reading the text :) it looks very professional :)
Just graduated going from $15k income to $100k 15k in debt not including mortgage. I’m exited to pay off my debt! 😊😊
One of my “remembers the Great Depression” mother always said is “it’s not what you make, it’s what you save.” Congrats on your Income increase!
*How to cut electricity bills* would have been very helpful ?
tap water is hard water - *we would save much $$ If we had good water*
Learning sewing skills is very helpful ( saves on big ticket items) and mending/repairing is a good one
You can almost always eat out at no extra cost. How? Eat outside in the yard. Hehe beautiful evening out before bug central hits
@TheRachelCruzeShow PLEASE xo make every doller available in GBP ... Thanks x
How can you be unaware of a monthly reoccurring transaction? Where do they hide?