18 Tips for Spending Less & Saving More Starting Now
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- Опубліковано 15 лип 2023
- #howtosavemoney #frugalliving #savemoremoney
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Want to get in touch with me...
Email: jennmariecook2018@gmail.com
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What I do for Amazon shopping is add items in the ‘Save for Later’ category as well! Works wonders
In my town we have a "Kids Clothes Closet". We donate stuff to it and get stuff. We didn't buy any baby clothes and have plenty of clothes for our son's first 18 months of life all free through the program. When we're done with them, they'll be donated back for another family to use.
I shave my legs out of the shower with body lotion and rinse it off from a jug of water. It’s so much nicer and saves water and electricity. I also keep a 5litre bucket in the shower. You’d be amazed at how quickly it fills up even with a very short shower. I then use that hot water to hand wash clothes or clean out the shower. Regards from South Africa
Rosaine, thank you for sharing! ❤️
brilliant!
Going shopping to relax or for entertainment is a way to guarantee you will overspend on things you don't need, so that is one of the first habits people need to break. I have one other suggestion, which isn't something I came up with myself was was told by someone else -- he said he never reads "sale" flyers for stores except for groceries because he found he was often tempted by "good prices" on things he didn't actually need, and when he didin't have the temptation he didn't spend that money. I now follow his advice, and it has been helpful.
You would have been a good psychologist because you are very intelligent, and you are ALSO KIND.
Thank you so much! 🤗
I agree.
@@thebestwillow She is super!
I agree too
Yes, she is very genuine. I enjoy her videos and learn a lot.
Well, i agree that short showers save water and energy, but you relax and kinda meditate while spending this time.
So, this time doesn't get waisted, in my opinion. One really needs these breaks.
Greets from Germany! Thanks for your valuable recommendations. I already saved so much money and this is only the beginning. They should teach things like that at school!
one thing I do re subscriptions that I would add: themoment I do a subscription of any kind, I go straight to my calendar and put in a reminder 3 days BEFORE, with the date I subscribed i in the notes below, about its renewal pmt date. That way, if I am in the middle of something when the notice comes up, I have a day or two (with a reminder each day ) if I'm not sure, to check, as you suggest--or I close it then, i I know that it'S a no. When I started that, it saved me from many an "oops!" ; )
appreciate you lady! I’m trying so hard to pay off our house. It feels like a weight on me and we have six children so I’m trying everything I can to pinch pennie’s and make this happen. Our interest rate went up!
I just found at the Thrift shop a beautiful top with an expensive brand that to buy at the shop would have been around $70
I got it for $6.00
That is awesome!
Ive been debt free since 2009. That is when i had a bankruptcy which taught me to always do a budget to live below my means and to grocery shop with a list.
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I don't really understand retail therapy. Spending money mindlessly gives me anxiety, and my house is already full. However, finding a good deal. 👍🏻 That's fun to me. 😊 I rarely pay full price. I will keep an eye on the things I need until I find that sweet deal.
Same. Lol
It feeds a deeper need.
The minimalism part spoke the me. When I first got into budgeting, I sold SO MUCH JUNK that I had bought, used (or didnt use at all!) And stuffed away. I sold a lot, but it was a great motivator to buy less.
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I used this snowball method for saving now that I’ve been debt free. Started with emergency fund filled it up 5k, 6 month income 18k, max out retirement, then to mortgage in this order.
I’m consuming less social media, I deleted TikTok and Instagram as they were causing me to spend way too often.
Yay! Yes, they are designed to keep you coming back. I felt the same when I had them several years ago.
Budget is even more important when you retire and live on that s.
s. So, I used memo pad monthly money in and expenses, its helped me stay in budget.
s.
Jennifer your tax assessment story spoke to my budgeting soul! GOOD FOR YOU TWO! Bookkeeping mistakes happen EVERYWHERE! And noone else looks out for us but US! Great video. Thank you for these fantastic tips.
Thank you so much! 🤗
🚸⛔🚫🎧🦓⚠️
It's not to live with less, or make do with less --it's to fully regain your energy and life and, above all, re-own your Choice. So I see it as freeing up time or money to put into a new idea or creation or, in the case of rest, need and time to dream ; ) Energy is never gone, it's all about What we do with it, that's the real question I see ; ) Hats off for the channel, I am sure that you are helping many many peple to live more freely!
The tip about the shopping apps is so true!!! I removed most of them but kept a couple that are not that tempting.
That is great!
An important thing I've learned to check your receipts before leaving the store. I've found errors on Trader Joe's and even Starbucks, which is an occasionally indulgence. With the Starbucks app. It tracks every purchase. I happen to check and noticed I was charged for an item I never purchased. I went back and I was given $8
00 gift card for a $ 4.95
Gladys, great tip!
I feel like i found a gold mine with your channel. Bless the algorithm! New subscriber here☺
Welcome! I am so glad the videos are helpful 🤗
I use the dryer lint and an empty cardboard egg container as a fire starter!! I can usually get a good fire going with 1 match if I do this
I recently went through my subscription and noticed 2 I didn't remember and canceled. They don't make it easy to locate and terminate them, but you need to be persistent
Fantastic!
Wow, this video is filled with incredibly valuable tips! 😲💎 I appreciate how you go beyond the surface level and dive deep into practical ways to make a larger impact on our finances. 💸💡 Removing shopping apps from our phones is such a game-changer. 📲🚫 It's amazing how easily accessible they are and how they can lead to impulsive purchases. And paying off debt strategically by focusing on one at a time makes so much sense. 🎯💰 The momentum it creates is truly motivating. I also love the idea of tracking expenses and being mindful of subscriptions. 📊💭 It's shocking how those small amounts can add up and go unnoticed. Thank you for sharing these insightful tips that can truly transform our financial well-being. This video deserves all the likes and shares it can get! 👍🔥💰
Thank you very much! I am glad the video was helpful 🤗
I am currently wrapping up batch cooking for the week ahead. It is time consuming and takes alot of my weekend to do but the money savings are tremendous for our budget. We work 16.5 hours a day, four days a week and are currently paying down our vehicle...next will be the roof (which was no payment, no interest for a year and yes we will pay it off before that year expires) and we are currently about to reside our house, replace windows and install gutters ($70,000, which us not interest free but needs to be bought and paid for before we retire in 3 years). We are always looking to find new ways to save money and reduce spending. Sinking funds are great to save for smaller purchases or insurance payments. Thanks for all the tips. 😊
Batch cooking is such a huge help!
Update Jennifer! We paid off our last vehicle! Still building money to pay the roof off and now have a siding/gutter loan (it was necessary). Thanks for all you do. I was rewatching this video today. :)
Since u mentioned taking shorter showers, I wanted to say that turning off the water when you're not using it in the shower, while washing hands or doing dishes etc, can help save a lot of water as well. Also 1 single drop of dawn dish soap without even squeezing the bottle will lather up and wash a load of dishes
I discovered your channel yesterday and I can tell you are very smart plus your voice is super peaceful. Thanks for your videos !!!!
Aww, thank you so much! Welcome to my channel 🤗
I call my reserve account my freedom account! I reserve for car maintenance insurance, real estate tax, clothing, vacation-birthdays and Christmas and much more!
Marianne, that is a great name to give that account!
Regarding the apps, that's so true. There's shop in tiktok but I can't uninstall it because i don't enjoy other apps. I just try to practice thinking twice before buying.
My dad was in the baby, so he taught my brothers and I how to quickly shower so everyone had a hot shower. Step in, get wet, turn off the water. Soap up head to toe. Turn on the water and rinse. For Mom and I, shave our legs and rinse. Steak out. No water wasted. Dad and my brothers were out in 5 minutes. Mom and I were out in 8.
Thank you, Jennifer! Great tips!
Ann, thank you! Have a wonderful week ❤️
Greetings from Australia....I just found you and have now subscribed (love your accent!) Great content from an obviously intelligent woman. Thankyou 😀
Welcome! Thank you so much 🤗
You are so smart. I appreciate your knowledge and encouragement.
Jennifer, thank you so much!
Jennifer those were great tips loved everyone and I agree with apps that encourages us to shop I will be deleting them thanks again for all the work you put into your videos have a great day .
Beatrice, thank you so much! Have a wonderful week 🤗
I do that with my Amazon account. I shop, fill my cart then put everything in save for later. I’ve had 3 items in save for later for almost 2 years. When I’m ready to use them, I will purchase them but not until then. I do this all the time with Amazon. I have no subscriptions at all: no magazines, no extra TV like Peacock or Netflix. When I reduce my cable bill, I’ll think about those but not until then. I prefer, now that my children have grown and moved out and my husband passed away, to only use pictures. I’ve reduced my decorations to 1 or 2 plastic boxes. Purchase nothing, use what I want and give the rest away. I’m loving this.
Hi so glad I found your videos. I learned how to cut our hair, even my own, during the pandemic. Saved a lot of money. .
Thank you for another great video... I loved the tips... some I already use and some I had not thought about but I also like the mention of books and concepts such as minimalism which i have been embracing... at least to the extent that I am decluttering my life which is leading to less stress and less baggage in my life. Take care and I look forward to new videos and old ones I have not yet seen.
Nancy, thank you so much! I am so glad some of these tips helped. The core message of minimalism is a great one for anyone to embrace. As you said, just decluttering to free up space and how it can lead to less stress can be so impactful. Have a wonderful weekend 🤗
Thank you 😊
Thank you for this one.
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Great "different" savings tips! Thks
Mary, thank you so much!
To Consume less social networks (I removed my instagram few month ago which helped me to spend less on clothes because of influencers and nice pictures of outfit). But I still have this little voice that tells me that I should get this new boots 😂 but honestly I feel less anxiety and I can focus more on simple things such as reading, enjoying a ride in the nature. Walking being grateful . Appreciate the things I have and focus on the person I want to be in the future and God I feel much better ! Now I’m trying to work on the current mindset I have by analysing my purchasing behaviour and understanding the difference between needs and wants etc …. I’ve started my financial journey in 2021 and I can see my little achievements.., I hope I can do much better this year (but no pressure of course)
Greeting from French and sorry for my English mistakes ;)
This is fantastic! That is huge progress. You are being intentional. Great job! Have a wonderful week 🤗
Thank you. Excellent.
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Wow what a great veido. Thank You👏👏👏👏👏
Rosemary, thank you so much! I am glad it was helpful 🤗
Great tkps and information. ☮️
Thank you 😊
So glad you had a resolution to your property taxes!
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I personally use YNAB for my family. It’s been so useful-made it possible to stay on track to buy our home.
Your'e right about Amazon App!
I've been checking my bank statements monthly to really see what I spent!
Please reuplaod this videos with sections to skip to. Also I love a running tally in the upper right hand corner. This can serve as visual cue when scrubbing to next point.
I have left stuff for later in my Amazon acct for over a year… got a ryobi fan for like 45% less than what it’s gone for…
I have a lot of things in my save for later list…
Yah. Online it can be annoying Bcuz I’m usually needing one item or two (usually a hard to find item you can’t find so easily in regular stores) and you have to get more stuff if you want the free shipping. I just gave it a lot of thought and poked around other things I’d need (already on my list) and found some useful things that will save me money in the long run. I guess I’m doing pretty good tho as I was really at a loss about finding other things I “need.” Just sat there like I just can’t think of a thing I would need online. Lol. I guess my contentment level is at a pretty good place by now. Lol.
Ha ha. Or bathe less often. Or like with anything else, some showers can be a C or B+. I don’t have to do it all A+ every time. 😅😅
I sure don't feel a dopamine hit when I pay for groceries! 🤣
Tina, great point! 🤣
😂🤣😂
It’s more like steroid stress from cortisol issues.
Hi! So happy to learn a lot from your channel. I would say that we're pretty on the right track with regard to saving. Question, do I forgo a European tour and use the budget to accelerate payment of our $60K mortgage/loan. We are close to retirement and been working hard and haven't really set aside time to enjoy life. I have heard of delayed gratification which I believe we've been practicing. I was thinking we could delay the travel but might not be strong enough to do long walks, etc.
After being in the Navy I can get perfectly showered in 1 min 😂😂
I just got charged $24.99 after a free trial for an Asian food delivery service that doesn't even come to my house. I signed up for it because I go to care for my sister in law at her house 2-3 days a week and my daughter goes once a week. To make it worth it (I know it isn't), I need to order food more often. Since I already got charged, I will order food this month then cancel.
First time listener! I am subscribing! May I ask your opinion of Dave Ramsey’s app vs Quicken to track expenses?
Welcome! I personally use the every dollar app. I have used many methods and apps. It is the one I have always come back to.
@@THEJENNIFERCOOK thank you
Thank you for all these tips I appreciate it.
I would like to know about hobbies and collecting coins/stamps and how expensive it is to do these things. Not sure if they are worth spending money on. Thank you very much
Hi Jennifer, I hope you're having a nice weekend. I try not to watch UA-camr's Amazon finds. I've ordered many things because I saw them on UA-cam and some of them ended up being a waste of money. One such product is a cord organizer for small appliances which is way too much of a hassle to wrap and fasten the cord. Great video!
Linda, thank you so much! 🤗
I wish I can go biking to work fuel price in Hawaii is ridiculous
great
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Saving 30 hours a year showering 5 minutes less a day is 35 minutes a week, so not a large amount of time to take on a part time job. But of course, sometimes that would help the budget a lot! 👍😊 Great overall video. Is “every dollar” also in the Apple store?
There have been teachers in my building that were switching schools because it would save them 15-20 mins a day commute. I thought about it and said, “I hate to agree with you because we will all miss you and your positive impacts on the students but I understand. This gives you 30-40 more minutes a day of family time, saves wear and tear on your car, gas, lowers your car insurance, and more. I want want you to have your best life so I am happy for you and everyone will miss you.”
Our insurance is not higher by paying monthly, but it is an automatic withdrawal by our insurance company.
We pay ours twice a year and save about $300 for doing that. I am curious what company you use? In my experience it is higher by paying monthly.
@@preparingformountainlife it is if you are billed and then pay. American Family.
In California you can't get a discount for paying up front for auto insurance. Yes, California, the tax me state.
That's a bummer
I recently quit facebook this month
❤️
Love ur makeup and lipstick …u look amazing….. interesting video!!!
Thank you for this video
Thank you so much 🤗
How I can get back more time - less time on phone, less time staring off into space in the morning when I’m awake, getting up a little bit earlier.
How much is your yearly tax.? Not sure I heard right, but it sounds Hugh. Ours is about $2,400 per year. For a average house on 3/4 acre
Hi Joyce, the amounts I mentioned were not the tax but the difference in assessed value, which they use to determine the tax amount.
Question: Should I cancel my Rakuten app? I usually do my Walmart grocery delivery with in that app… Maybe this is a rhetorical question, but I had to ask 😂… Also, I heavily watch your content since I’m striving to improve my budget now that we’re an one income family for a moment…. I canceled my subscriptions, cable, but need to improve grocery budget 😅
I hope you don’t mind I share a few things that have worked for me. I had lost my job in a deep double recession and I desperately wanted to be home with my 11 mo old son. The largest food savings by far, a 50% cut, was meal planning. Initially it takes time but the savings are worth it.
1. Ask family members their favorite meals. You probably already do some like spaghetti w/meat sauce, pizza, sausage w/ potatoes and veggies, upside down breakfast, chicken w/ rice and green beans or carrots, baked potatoes w/toppings, chili, macaroni and cheese. That’s 7 try to add 7 more. You are looking for inexpensive (cheap meals) to make meals. You can include a few middle cost meals once you get additional savings.
2. Write down all the ingredients for each recipe, this plus your budget.
3. Start a price book. Write down the lowest prices you can get with sales/coupons/rebates. Believe it or not I can feed 2 adults/2 children for $2.50-$4 per dinner not per person. One have a recipe, write the out the cost (approximately as inflation makes that harder). Notice there are sales cycles for foods so you can take advantage of the lowest prices.
4. Download the Flipp app onto your phone. This give you the store ads in your area in one place. The search bar will even compare prices in your area to other sale prices.
5. Now you fine tune the buying process. You buy weekly while trying to build a lowest cost pantry/fridge/freezer 3 month pantry. Why the 3 mos, 6 would be even better actually but this allows you to eat at the lowest possible price. Example: you buy 1lb of white rice a week. Walmart 1lb of rice is $0.92lb, but 20lbs is $0.55lb. You’ve cut your rice budget by 36%. Eggs at Walmart are $1.55dz or local grocery chain is $2.50dz but this week 2dz are $2. Walmart shredded cheese 8oz is &4.44lb vs 32oz for $3.74lb or your local grocery store is a loss leader a $3.00lb. Stock up on cheese from the other grocery store. Since this is the lowest price you can find you get a 3 mo supply. Chicken thighs are normally $1.59 a lb at Walmart but the local grocery is offering 10lb bags at $0.59lb, stock up with what they will allow, I even brought my son and husband once to buy the maximum allowed which was 3 bags person. Then I stopped by one more time that week to buy another 3 bags. This will last 3 mos.
6. HT offers $10/$75 purchase. I check a competitor’s coupon policy and found they will accept another stores $/$$ coupons. I took a picture and keep it on my phone. If questioned I show it to the clerk if there is still a problem I say, “I don’t want you to get in trouble for accepting another stores coupons please call a store manager.” I apply coupons from the loyalty app, store deals, sales and coupons for a easy low price. Then the clerk can say “she wanted you so I wouldn’t do something wrong and get in trouble.”
7. Use the rebate sites like Fetch, Ibotta, Receipt Hog, Shopkick, Alexa, CO51, Swagbucks, My points, inbox, Tada Walmart Cash, Aisleand Shopmium. It’s a long list. Take one every two weeks and learn the ins and outs to maximize your points earned. Most reward in gift cards, but some do cash. To learn the basics use UA-camr videos for beginners. Then follow people who specialize in get the most out of the apps. One UA-camr, Saving with Sha, is my rebate couponer hero. No only is mostly everything she gets free, many times she makes money on the deals. So she get $310 in products free but makes $36. She sells her stockpiles mostly on Facebook marketplace, but also donates to food banks, homeless shelters and pet shelters. At one time I did that and felt so rich contributing hundreds of dollars of items to others in need. She shops Walmart mostly but also also CVS and RiteAid.
Two books that changed my life and way of thinking are Your Money or Your Live by Vicki Robins and The Complete Tightwad Gazette by Amy Dacyczyn. The Tightwad Gazette are a series of compiled articles from her newsletters. She taught many to the same things as Dave Ramsey about a decade before him. There are something not covered by Dave that can be important so it is worth the read.
There are so many more tips that Jennifer covers in her videos. But I’m happy to share more or answer questions.
Thank you for the money saving ideas
The accidental google subscription has happened to me before 😅
What book did you read about time? That sounds interesting!
Rebecca, it is called Someday is Today by Matthew Dicks. I'm about halfway through and so far its very interesting.
@@THEJENNIFERCOOK Thank you for sharing!
I love her accent -what state is she from? ☮️💟
Hi, I'm in the Carolinas 🤗
I'm trying to cut down to 2 cups of coffee at home. The struggle is real.
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To consume less of the news. It is so depressing to watch.
I agree!
You should not have settled the tax issue. You were 100% right and were owed as such.
The Minimalist documentary is now on UA-cam ❤🎉
Yay! Awesome 🤗 Jaclyn, thanks for confirming that!
A four minute shower question are you kidding me. LOL before minutes just to get soap on my hair a little loan wash it out air conditioner wash everything else. No way takes me 15 minutes at least.
Savannah, thank you for taking the time to watch the video! Not every tip will be for everyone. I try to cover a broad range of ideas that many can hear and maybe take 1, 2, or 3 that would work for their lifestyle. We are all different, and that is what is beautiful and unique. Hopefully, something else in the video was helpful 😊
When you pay any % in dollars it comes from a bigger piece of the pile, why? Because it is all done in after tax money accept a regular IRA which is after social security. it’s easier to understand if you see it in a pie chart. The only exemption from Social Security and income tax is have a sole proprietorship and paying your under age child a salary and even that is a limit of $12,950. Your child does not pay SS or income tax below the $12,950 figure. I would say it’s the best time to contribute to a ROTH IRA but I believe the tax exemption of withdrawals will be taken away, at a minimum all income except original contributions will be taxable within a decade, taking away the last large benefit of the ROTH. They already removed one large benefit which was freedom of distribution of funds at death if left to a family member which could be left to grow tax free for another possible 90 yrs.
A problem with rental properties is that people don’t have enough put aside for major repairs/maintenance initially. This can totally ruin being in rental real estate, especially in a market that’s extremely competitive. It common when buying a new to you home that an entire system fails or needs a major replacement. I seen to many people get a home inspection that was a worthless as the paper or email sent to you. You are stuck replacing a roof or plumbing or electrical system. Things not covered by a home warranty. Or appliances fail a week after the warranty expires. Add then there is the renter from hell and C-19 and you are paying to own the home for many years. This does not happen to everyone but enough a person should be extremely focused.
I could manage debt with a 2 income also but I’m a single mom barely floating above water but great information
Yes it's very hard on one income. And especially on a very low one income.
❤😢❤ !!
I can consume less shopping - less coffee (even though I make my own) - less tv more sleep definitely
Tv watching is out of hand.
100% agree!
Amazon prime....later
You are wonderful. I don't think you will burn in 'hell' if you say the word. Fortunately, I don't believe in any kind of personal god-not Yahweh, Jesus, Zeus, Wotan, Allah or Santa Claus; they are all the same; even Santa will bring you coal if you are bad and he knows everything you do and say. I only say this because this has FREED me (after a scary year of feeling like I didn't have any 'magic' anymore, which is prayer, and invisible friends). Thanks for this. And again, it is so nice to see a lovely person who cares about appearance doing this instead of someone who looks as if they just crawled out from under a rock.
Why do lottery millionaires end up broke? Because they didn't learn to keep money.
I’m sorry but I have to say it…. Every video is the same. I hear the same tips over and over. I guess those are all the tricks to save money 🤷🏼♀️ time to make more income I guess.
Hi Samantha, You are correct that there are only so many ideas on saving. Income is an important part as well. The basics are money in and money out.
I feel really strongly that watching videos from creators we feel are supportive and have an empathy with will help sustain a positive mindset. I watch Jennifer, Caleb Hammer, Kate Kaden, Diane in Denmark, Dave Ramsey. All help me keep to a mindset to make the correct financial decisions. Thanks Jennifer! Hello from Nottingham, England.
The EveryDollar works !!!! Now I am taking advantage of the free budget that our Credit Union offers. Is free and you can connect all your accounts ❤
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"promosm" 💃