Four Items We Can No Longer Afford ( We Have Been Priced Out)
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- Опубліковано 12 тра 2024
- Four Items We Can No Longer Afford ( We Have Been Priced Out)
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Retired at 68 sold my house in large city, moved to a smaller town, it was the best decision I ever made. Less expensive, less crime, less noise and a lot bigger yard for the dog to run around.
Years ago I bought several space heaters one for every room to use in case of my furnace ever going out during the winter, anytime I was at a yard sale and found one cheap I would buy it and began accumulating them, my wife criticized me What do we need all those for, its summertime?I said I want to get one for every room in the house ,Anyway those heaters sat for many years until last November our furnace went out and it was really cold and any repair place said it would take several days before they could send anybody other 24 hr repair places wanted almost 200 dollars for a house call, Anyway having those heaters saved me from being blackmailed by the furnace places till I could call around and get more estimates, I did find a independent repair guy that was a lot more reasonable on face book to do the repair, With that strategy in mind I also bought a small window air conditioner in case my central air unit ever failed where I can at least sleep at night,
I told the wife maybe we should just turn off the central unit at night all the time and just cool the bedroom with the small unit, that way we would not be paying for the electricity to cool the rest of the house that is not being used all night,
How smart
Smart!
Heating and air conditioning guy here, I can buy all the materials to replace furnace and a/c for less than $4000. I typically charge between $6000-$8000. The rest is pure profit for big companies with shiny trucks. Just a tip for home owners to drive around new single family home construction sites, around lunch time, in their area. Find the trade you need and inquire about them doing side work. A little leg work can save you big bucks. Ask for photos and references!!
Exactly what I did! Found an independent guy; got 5 ton a/c 'and' heat for $4 000 installed. Dawn: sorry...you got ripped off on that heater.
May I adopt you please?
What about the huge parts shortages for anything these days? It's getting insane!
When Dawn said 16,000 or more I thought that was ridiculous
@@debbieframpton3857 A lot goes in to consideration for price. I live in the Midwest where most homes have a basement or a dedicated mechanical room. If your equipment is in an attic or a crawlspace with difficult working conditions, that would increase the price. Also, companies take into consideration how desperate you are. If it's 110 and the a/c dies you'll be more likely to pay a premium.
We are seniors living on social security. We got a small inheritance from my husband's mother and it is gone. We just had to have our car put in the shop and that cost $6000. This was cheaper then buying another car. We have no friends or family in our area so we have to have a car. Our central unit had to have a fan motor and it was $1500. We were told since the unit was 14 years old when anything else happens it would be best to replace it. Our utility company works with a company in our area that will add to your bill each month and let you pay it off in like 7 years. We did that with our last unit and it worked great. It is very difficult to save up any money these days especially when you are older.
I believe now that my husband and I are retired if I HAD to move and sell our home it would definitely be into an apt complex! does not have to be a "senior" place etc just get a nice ground floor apt (husband is disabled with walker) and then you don't have any responsibilities other than rent and utilities, anything breaks...they repair, you dont have to have home insurance or pay taxes.. no outside work at all, they shovel snow, wash windows, mow, we have a small home now, no reason to downsize anymore, just move to an apt.
We seem to have a lot in common. We used my husband's mothers's inheritance for us to pay off our house and also to pay our bills for two years. That was incredibly helpful and we are grateful for that. We are being warned that our heat pumps will probably go soon but like you we are trying to limp by with them. We sure aren't saving money--I mean, we are cutting expenses but not really saving money. We are just trying to hold on to what we have but soon we will be cutting into that. It is how it goes, I guess. Good luck to you guys.
@@countryfrau8328 The struggle is real. We are cutting back where we can especially with groceries. Going back to eating more basic things like my grandparents did. Eating more beans, casseroles and soups and using more hamburger. My husband and I were talking and the government are always trying to help people nut the seniors never get anything for help. You have to be really low income to get any services. It is sad to us.
I suggest you continue to WORSHIP the American Oligarchy--you know the liar and scammer that has you CONVINCED that you do not deserve better and that they DESERVE another tax break.
@@patriciadowd2948 I totally get it. It seems like a coordinated attempt to make sure we won't be able to build multigenerational wealth--if you are even able to have anything to leave to the next generation directly. And if you ARE able to the govt wants their cut so fast that they won't be able to hold onto it as part of a legacy for their own children. And on it goes. I'm mad and I always have mixed feelings because we pay our own way but at the same time I resent those that don't have to because it seems that they don't get less. I feel kind of like the person standing in line to pay for their items while watching others run out the door with all kinds of stuff for free. The word is "chump."
People, you need an emergency fund! And get out of debt!
Oh yeah
That's how I've been living my life for many years
@@debbieframpton3857 Excellent!!!!
I been out of debt since I turned 50 years old . I had planned it at the age of 18 years old, decades ago !!!!
Gee sorry i was stupid and thoughtlessly got cancer and how fiscally irresponsible of me to spend money on treatment that lasted 18 months and cost me me health insurance because I could only manage to work for intermittent periods between chemos
We feel priced out of going on overnight vacations beyond maybe 1 night. So one day we just packed up a picnic basket and went to a park near a local lake. We also bought just 1 type of food we've never tried before so it seemed like we were away from home.
That sounds like so much fun. There are so many things to do in our town that we still haven't explored. Perhaps that's true for you, too. Check into things to do in nearby towns. Have fun!
I too am priced out of fancy vacations. I let my passport expire during Covid and am limiting myself to a couple of overnight trips. And visiting my grandkids on one or two holidays a year.
We literally don't go out or on vacations. We don't really care. I DO care now though because my parents are 90 and live across the country from us. They have always traveled overseas or had such big social lives that they didn't need us at all but at 90 they are dialing back.
I keep telling people I know to save their money.
Start a garden , if you have space , have a fruit tree , and visit cheaper grocery stores , if you can.
I agree that picnics are great!
I haven’t been on an overnight vacation since 2014 when I was laid off from a good job that was never able to replace. Rather than think “poor me” I’ve learned to appreciate simpler things.
Free fun idea: Google “parks near me” and you’ll find parks you didn’t know existed! Turns out we have an educational swamp near us that is well maintained and honestly, quite fascinating. It even has metal sculpture art pieces and a classroom with benches! It’s between our house and our favorite park so it’s a nice day out.
Our home allegedly doubled in value in 12years. We could sell it and be “rich.” But where would we live?
That's how I feel.
Exactly! Plus, there are realtor fees, any repairs needed, and moving costs. We've talked about moving closer to our son; but, it's much more expensive where he lives. I don't mind downsizing, but I don't want to pay more than what we'll get for our house for 1,000 sq. ft. less.
@@3TXSisters HOA scammer fees are high also
GrannyLinn That's just it....'where would we go'? Over the years nice places have turned into not nice and places that didn't use to be hot are now and vis a vis. Places that didn't have snow do now. Drought everywhere....sigh. (I'm just talking about the US)...sigh
I would go very rural and do it yesterday
I live in a "tiny" house... well, it used to be the garage in my son's home. But after my husband passed away, I sold our house and renovated this garage into a nice little home for me. Anyway, I had them install a "mini-split" heating and air conditioning unit. I don't remember how much it cost but that's an option to check into. It's cheaper than regular A/C and heat. You might have to buy more than one, depending on your square footage.
Good plan. Living with your son, but still have your own little home.
It works for us because we have a few rules, keep doors locked between our spaces, knock or phone before coming in, respect each other, share holidays and birthdays, and we love each other! @@karenemerson9486
Garages and workshops make splendid little homes.
Yes I have family that have mini split they work well and have heater as well
I lived in Japan and they have mini splits everywhere. Pretty much all they use. They even have a dehumidifier function. Pretty amazing stuff!
Since my husband died 2 years ago, I haven't used my central air & use our ceiling fans, which he installed in all the upstairs rooms. Downstairs, I use a floor fan, only in the kitchen while cooking, the only time I need it. The lower the floors, esp the basement, the cooler the space. So I close the curtains to keep out the sun, and open it in the winter to let the sun heat the rooms. Trust God, He will give you the mother-wit(wisdom) to take care of yourself & your family.
Love this wisdom
Very wise!
Works if you live in mild weather regions
Try this in Deep South or out in southwest lol
@@thisisme3238 That is not true
One you didn't mention and it isn't huge in the overall scheme of things: Gift giving, especially at Christmas. It seems like everybody and their uncle expects a gift. I'm cutting way back this year. My best friend had her hours reduced last October and told her friends/family not to expect anything from her for Christmas. That was liberating.
Good point!
Same here I bought about 25 gifts and got 4 back something don’t add up. I’m doing my Xmas shopping at dollar tree this year
I don’t buy anyone anything
I haven’t gotten gifts in decades so y do I buy? I quit lol
As I get older I'm finding that I'm giving more gifts and even buying cards. I never used to buy cards. While my per gift spending isn't more I am giving stuff to more people--maybe I should think about this. I'm also tipping more peop!e. I never knew people like AAA coming out to start a car would takevtips. I just had my brakes done and I saw a customer tip the mechanic afterwards!
Also, I would like to move present giving away from religious holidays like Christmas. I dont think that nonbelievers should get gifts for Christmas. should we do presents for Christmas at all--what have we done to get a present for what we mark as Jesus's birthday??I think I'm going to move my gifts to service people--like my favorite bank tellers a different time of year.
We just replaced the ac and furnace that were 19 yrs old and original to the house. $9900. It's become ridiculous for replacing large items in a home. The hot water heater is next and estimates are between $3500-4500. I remember when you could get a hot water heater replaced for under $500.
I got a brand new one, I rent it for $30 a month, if anything goes wrong they will come and fix it or replace it. Peace of mind. Do you have this option where you live?
Watch a UA-cam video or 2. I just replaced mine for less than $700.
That sounds like the price for a tankless system.
Last summer we put in a central Lennox heat pump and electric heater for about $10,500 in a small town in Virginia. York/Rudd heat pump would have cost about $1,500 less. 1974 Manfactured home is 1300 sq ft.
I can’t afford regular housing, so I live full time in an RV park in FL. Lot rent is reasonable for FL., and I own my RV, and automobile. One of my biggest expenses is Supplemental Health Ins. I will be letting that go if I have to…..
Mini-split A/Cs are great. Under $1K and very quiet. I installed 2 in my house and use them instead of the noisy central A/C which loses half the cooling in the hot attic ducts.
Only keep homeowners on structure. Don't insure contents. My stuff is old. Aside from keepsakes, photos, who cares. It saves a lot!!! And we can all find cheap furniture if we had to.
That's true!
Hadn't thought of that....good tip, hack, idea, thanks!
Okay. Thanks
Oh! Oh! I'd like to do that! Ill have to call about that.
My contents were insured for a ridiculous amount & I just never noticed. All old stuff. I lowered that coverage a lot & it cut my premium by 25%
I paid $65 for my house too, 9 years ago. Middle class home. 3/2 on a corner lot. It's worth probably $175 now. I'm in a small town in Texas (Brenham). You have to keep homeowners ins if you have a mortgage. I live on disability. I'm in a wheelchair. I took 2 years and taught myself how to paint and i now sell my paintings for extra money. I have a 99 Geo Metro I bought 6 years ago for $800. I have only had to spend $400 on repairs over 6 years. My ins on it is $45 a month. It doesn't have AC and the radio doesn't work, but it runs great. I got window units in my house, and put curtains up between the rooms so i only cool the room i am currently in, not the whole house. During the day that's the living room/ kitchen, at night the bedroom. This keeps my electricity bill under $175 in the hot Texas summers. I do all my own yardwork in my wheelchair. Being in a chair, i don't go alot of places because it's a hassle so my old car is fine for just running errands and going to the gym or the store. I shop early in the morning in the summer to avoid the heat. I spend alot of time outside so I'm used to the heat and it's not a big deal having no AC in my car. I believe one should spend their money on a nicer home and drive an old, ugly car if finances are tighter. I wash my car like twice a year because the clear coat is essentially missing and some of the paint is chipping off. On the plus side, i never have to lock the car and don't worry about anyone stealing it. It's a throw away car. Whenever it breathes its last breath, i will leave it on the side of the road and buy something else that's old and ugly that runs well. Thanks for the video
This woman is thinking straight and right on target. If she were to fail it would not have to do with her thinking or ideas. You can learn a lot from her. Kudos 👍
Thank you
I'm retired and in my 70s so don't feel going back to work to earn more money is an option. My brother lives near me and he has limited mobility so I do often do his shopping and errands for him. I would gladly do it for free when I'm doing my grocery haul. But he insists he pay for my gas or that I include a few grocery items for myself on his tab. I was shocked when he told me how much he'd been paying a person to do this for him previously! I also haul away his trash and recyclables for him.
That is family!!Excellent!
Love in action!
Yes I am 73 and a Retired RN,
Why dont you and your brother share a place??
@@chrisfry436 That would be the end of a beautiful relationship between us! 😜 We aren't so strapped for cash that we have to do that. And our daily routines and friends are so different that we'd drive each other bonkers. I'm quiet and sit for hours reading or doing hobbies. He leaves his t.v. blaring most all the time. Often even when he's sleeping. His house is next to mine so that's close enough!
I live in Southern California. We bought our house for $87,000 in 1977. I got a card from a realtor saying that it’s now worth over a million dollars. My grandkids will have to leave the state to be able to buy a house. Crazy!
Wow😊
Take the money and run to a cheaper state. I know, it's hard to leave a place you've lived for nearly 50 years, especially if all your family is there.
Right now all 4 of my grandkids 19 to 32 and son and daughter-in-law still live near by. I’m in my late 70’s and need their help. Also the weather is great here. I grew up in Ohio. I don’t think I could handle that kind of weather.
@@karenemerson9486 If you have family that will help you, you're very blessed.
Our goal was to keep our house to give to the kids but the taxes on it are over $21k a year already so we have to get real as we are retired and can't even cover that! No freeze on taxes here at age 65. We have a really modest small house from the 1950s that is on a third of an acre. The issue is that it is on a lake so that's why the tax is so crazy. We aren't even water people--we don't fish, swim or boat although our adult kids loved growing up there. It is just too hard to hold onto that house for the kids.
Had a college history book back in 1979. The best one I've ever had because it was not the same as the ones before which just copy each other. This one talked about the full decade coming up of each century; this one was U.S. history 1900-1978, since it was now 1979. The author would talk about how the public was feeling, the economy, innovations, etc., and not just the actual historical events. The last decade, 1970-1978, he talked about the roll of politicians for about 5 lines. Each page for a decade was single space lines on 8x11 page so alot of information came across. He mentioned the roll of politicians was also to innovate. He mentioned coming up with different ways of financing new projects, maintaining existing infrastructure, etc., because the old ways may not be viable in the future or can no longer be the only way of financing. This is when the mills were shutting down in America, businesses moving to China, retirees aging and pension money no longer coming in to be taxed. I have watched for 50 yrs now and the politicians are still doing the same old game of financing, no new ways or thoughts, and the well is running dry. People do not make the big money the mills paid, more people cannot find work because of the exportation of jobs, the retiree tax base is passing away, etc, and yet the politicians keep doing business and funding as usual. The warning was there 50 yrs ago and yet the politicians only take care of themselves. Time to change else perish.
We moved into a senior apt. And gave up our car.we take a bus or cab. We just could not afford repairs and car insurance . I find that I like not worrying
About the upkeep.and our city bus is free.also we are finally debt free and even though we live in a senior complex our rent is over 1000.00 $
That includes all utilities. We live in N.Y. And everything here is expensive 🙁
We are debt free, and we sold our home and moved to senior independent living. We pay much more in rent than you do, but meals are included as well as cleaning once a week. If something goes wrong, it gets fixed, and not by us. We don't worry about insurance or heating and cooling. We have free Wi-Fi and free cable. Oh, and if the power goes out, the building has its own generators.
You are doing great
@@jodylarson4697 hi. We don’t get meals or cleaning .however it’s ok .i hate going into Hall instead of going outside. We do have a nice yard and the bus stop is out our front door.i try and be thankful for what i have now. Have a great rest of your day Lynn.
That's wonderful!
Senior apartments rent here where I live in California for about $4000 a month. That’s why I’m staying in my house and seniors are leaving California.
I fully expect to be living in my minivan within 1-2 yrs as I'm priced out of my area (would love to, but have legitimate reasons I cannot move yet, get more jobs, nor a roommate); all was OK until last 2-3 years of steeply rising costs. I pray no appliances break until then.
Best wishes
I hope it doesn't come to that.
Srsly reconsider a rmmate
You're not alone. A lot of people are shifting to van living.
the whole planet changed the past few years.
Plant some berry bushes. Grow a few vegetables. Grow some melons. Save money on the grocery bill. Can, dehydrate, and freeze any surplus. As expensive as groceries are these days with these inflationary prices, growing a few things could make a decent dent in the grocery budget.
I guess I am priced out on major repairs. We need windows, flooring and maybe other appliances down the road. A long time ago, people lived without central heat and air. We have a fireplace we could use for the heat. For the a/c, we could use all the ceiling fans, wear fan necklaces, use ice a lot, drink a lot of water. I got tired of giving a zillion Christmas presents, so not doing that anymore.
Sounds as though you're living a much more frugal life. It's good to have a plan if you can't save enough to have an emergency fund for the appliances. Our windows are old, but our electric bill isn't outrageous, so it doesn't bother me. I'll either replace them in order to sell the house when the time comes or let my kids worry with it, lol.
I am doing the same thing I discovered a couple of years ago. When it gets too hot, I turn on the a/c for 10-15 minutes, then turn it back up again. Three hours or so later, if it's too hot again, I turn it on again for the same amount. The only time this varies is when I go to bed, because I sleep on the second floor and it's hotter up there. In winter, I do the opposite. If it gets cold, I turn on the heat for 10-15 minutes, then turn it down again. This "spotty" use of the central system saves me a fortune, and I am not uncomfortable. I use fans, too. Counter fans and ceiling fans. Sometimes I just circulate the air for a couple of hours. Other things I found are "cold cloths" which are sold commercially. They work differently than regular wet cloths, as they stay very cold and you can feel the cold from them ongoing. I am able to tie one around my forehead and am comfortable at 79 degrees in my living room, with a small fan blowing. I also have a baseball style cap that has gel pockets in it. You keep it in the fridge or freezer (freezer is too much for me, I found. I got brain freeze) and just wear it as you are working outside. If you have two, you can switch them out. Look under "ice hats" or "ice caps" on Amazon or anywhere and you can find different styles. I wore mine the other day mowing the grass, and stayed perfectly comfortable. The cold cloth is a wonder, also.
@@yellowbird5411 Thanks for the tips about 'cold cloths' and 'ice caps'! Who knew? (not me!)
We need windows too, ours is 24 years now. They’re not leaking, only one has a broken seal, but we’re afraid if we wait for something to happen to be forced to replace, by Murphy’s Law it’ll be the same time our furnace, water heater, or AC goes out. Window quotes are coming in at $17k, no way we can fork over that and more at once.
@@SpicyKimchi- We had a window with a broken seal and brought it to a business that specializes in glass replacement. They fixed it at a fraction of the cost of replacing it with a new one.
You are correct. The housing market and housing necessity is requiring a change, it did for me . Living in Illinois, 5 years ago was already the start of what is today. I am a renter who is a caregiver who lives with an adult son with a disability. I had to move 100 miles west of the southwest suburban area we called home. It meant a drastic change but it came with lower monthly expenses on all fronts. It was hard because of separation from friends and family. It required a job transfer. Yet, here we are in 2024, and although I'm still in the rural area, I can sustain. The area I left in suburban Chicago is OUTRAGEOUS. There would be no way to return. So I do feel stuck but at the same time I am grateful that I am blessed with a sustainable living situation. I did become a minimalist so the sustainability is continuing without issues. If I can do it at age 60 many can too, but it means sacrifices. I don't have debt, I continue savings, and I live frugally.
I'm also a caregiver and live in Chicago. The prices are ridiculous and I want to move out. I live frugally but question if I would make it here.
I used to live in London, UK, while studying and working. After graduation I opened my mind to other places, especially with a plan to buy a property as a security for the future. I wouldn't afford it in London. That time I told to myself: there is life elsewhere, too. And that was right. Now having a good big house for a price of maybe one bedroom flat in London (if even that), with garden, growing some produce myself, even renting a 2 bed bungalow before this purchase was comparable to renting a single room in London at that time. When money gets short people need to reconsider their priorities.
My house was built in 1988. I bought it in 1999 for $69K. Houses on my street are selling for $250K now.
I had to replace the whole AC/Heating last year. Paid cash and have not recovered that money yet. Mostly because everytime I turn around, I have another expense. Dental, breakdown of applicances, car repair, the list goes on.
Our income should support this.
It's called life
@@debbieframpton3857 Yeah... No kidding, Debbie
Ibknow. It sure can hit hard, though.
@@debbieframpton3857 No its called a death sentence.
We don’t have home owners ins. Instead we keep saving and investing our money so we can pay for our own emergencies.
Wow no homeowners insurance that's really risky. If you had a fire not only would you lose everything but you would also be in debt for the tens of thousands in cleanup.
What about liability coverage? It's always an expensive surprise if you get sued.
Exactly! I learned the hard way when I thought I had insurance but didn’t, and my hot water heater, furnace, dishwasher, and washer and dryer all went kaput within a two week period. They were all original appliances, and well over due to be replaced. I was a young and inexperienced home owner. It was a painful, costly lesson.
Not only do I have homeowners insurance, but I’m still paying for earthquake insurance (California). It’s very expensive and keeps going up, but every time I think about canceling it I panic and think that any day the big one will happen.
Forced to but it by the State
I have always been careful, but now I limit my use of my car to save on fuel costs. Combining trips and planning routes have always been routine for me, but now, they are vital.
Great tip!
❤😊, i totally agree , we are an overcomer, lots of love, candice, my items i cant afford is, a car, central air, re doing my bathroom, a new deck, house insurance, and a new roof for my familys house, a dishwasher, im just am thankful, and going to make due with what i have. Love you too
Love this
Yes, making do is much more frugal!
Thanks for the straight talk. I save money by doing without. It's amazing how little you really need to be satisfied. As for finding ways to earn more money? I think it was Ben Franklin that said 'a penny saved is a penny earned'. And debt is the most expensive way to try and 'fix' things, so, don't.
We use window ac& ceiling fans. And fans! Cross draft helps. We bought our 1st home and we own it now. Will never rent again .
after the first year renting is a complete waist of $$$$. though i would rent for the first year to see if i liked the area, good thing is with renting is your not loosing a whole bunch of money if you dont like the area or things dont work out
I went back to window AC. Placed three 6000btu throughout the house. They cool better because the cooling is right there and not blowing from one end of the house to the other end like central ac does. They are light enough I take them out every winter here in Western Pa. I enjoy your videos.
Good for you!
Cost more to run window air conditioners then central air
I love the sound of a window unit!
@@debbieframpton3857 So they say. But my small ranch house has the vents running in the attic and on very hot days the central hardly shuts off. The two small window ones cooling in the areas inside the house along with the ceiling fans push the air throughout the house and seem to run less and cool better. Besides, I take them out in the winter and in the summer it blocks the lower window from nosy neighbors viewing in and I don't have to pull the blind down as often. It works for me.
My first house in NY didn’t have central air. Coming from Texas, I was horrified. But window units really surprised me. I recommend them (if your HOA isn’t a bunch of asshats).
Hey Money Mom,
At the end of this month we'll be moving from a very expensive western state to one of the midwestern states you mentioned in this video to enjoy an early retirement. Are we rich? Hardly! The house we bought in the midwest is a major fixer upper and not for the faint of heart--and believe me, some days I feel like fainting. The city is small, but it has a Wal-Mart, an Aldi, and Hobby Lobby. If I want Trader Joe's and Target I gotta go an hour either way to other bigger cities. Amazon delivers and we have an active Insta-cart business too. There's a small town cozy vibe here and it's true that everyone is friendly.
Our cost of living from West Coast to the Midwest should drop by 30ish percent or it can stay the same but we'll enjoy more amenities such as having a home 2 x the size of our West house.
All this to say there are no perfect solutions for the rise in the cost of living. Just choices to make. Choose your sacrifices. And if you don't make choices eventually your circumstances will make them for you.
I wish you the very best
Yep!!! I live in southeast Kansas. I live within a few miles of Missouri, Oklahoma and Arkansas. Cost of homes are definitely going up, but still reasonable here. My daughter and her husband just bought a four bedroom home with fully furnished basement, and three bathrooms in a very nice subdivision, in a great school district in Wichita. They both have good jobs making close to 200k a year. My son-in-law moved to Kansas from Seattle because the cost of living was so ridiculous. He swears that it was the best decision of his life. He could never live and support his family in Seattle the way he does in Kansas, plus he says he actually gets to enjoy sunshine almost daily here, and not constantly battle the homeless situation that plagues Seattle.
It is scary to see people forgo homeowners insurance. Our house was hit by lighting a year and half ago, totally burned with all contents destroyed. We have great homeowner insurance and have recently moved into our new home built on same lot.
I am so sorry to hear about your home
I'm so sorry that happened to you. It was good you were insured; but, it doesn't cover everything. I'm glad you're in your new home in your old neighborhood! 😊
Wow! I'm glad you are okay. Were you home at the time?
Who is your insurance company?
I’d sell and move before I dropped homeowners insurance. If your house burns down and you loose all your possessions you’ll need a huge savings account to recover.
We have a central air and heating system, but we put in window units, as they are more reliable and much cheaper.
@@Sheryl777 , you’re right. Anytime I have my central air worked on, I can count on it costing me several hundred dollars.
We found that too.
@@juliajohnson6022 👍
@@GrannyLinn 👍
@@juliajohnson6022 👍
When our car conks out we will be sharing our Daughters car with her. Also we have the senior bus transportation for $2 one way $2 back home. Have A Bless Weekend Everyone ❤
That is awesome!
Medicine is another item, that is costly, i try to avoid it, so i take herbs. Candice
Yes, one pharmacy told me something would cost $150. It isn't covered by insurance. I'll look elsewhere or do without.
proper medicine is like changing the oil in your car, you may not feel or see the benefit at the time but down the road the car burns out due to lack of maintenance. Make your choices as you see fit, but there are always benefits and consequences down the road for every decision we make.
“Everything is going according to plan “-WEF
WEF + UN agendas = One World Order which as Clause Schwab says you will own nothing and be happy.
Americans need to wake up and see the bigger picture of what is behind all the crap going on with the lefts agenda. “Freedom is never more than one generation away from extinction” Ronald Reagan.
Yup
Your world is scripted decades in advance for the Sheep...............
IDK who these people are who told you they canceled their homeoners insurance, but it sounds CRAZY to me. Your home is your LIFETIME investment! Upping your deductible is acceptable because one way or another most people will find a way to cover it. But if you cant afford homeowners insurance in your area,its time to move on..just my opinion..
I agree 110%
I haven't used central air for years. I can close rooms off and use window units. I save a lot of money on my electric bill since I've stopped using central.
That's great!
I'm the opposite I prefer my central air and my bills are low
@@debbieframpton3857 It could be that I have an old 2 story house that has high ceilings. If your house is well insulated and not old or huge I can see it could be affordable.
We live in a state that has high summer humidity so we have to use AC at least sometimes or we get mold on everything. AC takes that moisture out of the air. Fans can't do enough. I wonder how people handled that in the old days. I guess they had open crawl spaces for air to pass through like the older houses in Loisiana.
I live in NM
Too hot to do without
Hey Dawn! Personally, I've always thought dishwashers are expensive to operate. I have one but don't use it. Prefer to wash dishes by hand, much faster and a lot less water! Also, have automatic ice maker and stopped using it several years ago..got use to drinking drinks out of the fridge, it's cold enough!
thisisme3238 Yes unfortunately dishwashers use a ton of an excessive amount of water. We no longer use ours either. And we have very little to wash up these days anyway.
I've read articles that says it's cheaper to run a dishwasher than to do dishes by hand. I don't have a dishwasher and don't plan on getting one
D/w aren’t expensive to run
They use less water than handwashing too
Dishwashers make handy drying racks for hand washed dishes and pots and pans in my house. Ill run it maybe once a year to see if it still works. Same with the sink disposal--just keep it screened off and run it rarely just to see if it works.
@@countryfrau8328 Handy drying racks...great idea 💡 thanks!
I am totally sticking with Toyota. I will probably buy an older one though. For now my 2008 Corolla 205,000 miles and husband’s 2004 Highlander 185,000 miles are trucking along. We just put in a new HVAC system last year, yes it was pricey
Fantastic
I love my 2008 Toyota Corolla with 117,000 miles on it! That's practically new for a Toyota.
2007 Corolla here . 230K miles still going
I'm with you. I have a 2005 Toyota van I bought used in 2009 after buying a new Chrysler Town and Country van new that didn't even make 80k miles before everything had been replaced at least once! This Toyota van from 2005 is just going along at close to 215k miles and has been virtually trouble-free!
2007 Honda Fit with 85000 km. Here!
You spoke about keeping an older car. I commented about this on another channel. Last summer we were thinking about replacing my 12 year old Mazda which had 128,000 miles. It was looking old and faded. But, new/newer car prices scared us off. So, we got the car repainted at Maaco with their higher tier job which included the shine, got new hubs, car seats, steering wheel cover, plus cleaned up the headlights and updated the stereo which I forgot to say in the other post. Altogether the cost was about $4,000. Our neighbors thought we’d bought a new car. I know we’ll begin to have mechanical issues in the future, but it’s cheaper than a new car for the next few years.
Great idea
I live in san diego California. Bought my house in 1998 for $165,000. It's worth $860,000. The home prices are crazy. I would never buy my house for what it's worth now. Air conditioner replacement $10,000. Now furnace, duct work and attic insulation $17,000. But both have lifetime warrantees. You just have to be frugal and save.
For sure
That's true!
Wow. I'd move to another state and keep that money for retirement
Lifetime warrantees worry me what with businesses going out of business left and right!
@@kathytincler2446 You are right. Tons of people fall for Lifetime warranties but the chances of that company being around in another 10 years is pretty slim
I will say if you need a new roof go with a metal roof. They are a little more expensive but they are good for a lifetime. You will save money in the end. It’s the best decision we have made
Just don't get one of those metal roofs that use stuff that's more like siding. Our house has that. They don't roof with that any more. Has zillions of screws in it and leaks. I'd like to replace mine for a real metal roof. Live and learn. My place was built in the early 2000s.
I agree, better to get a metal roof. The manufacturers of asphalt shingles have cut corners in recent years and their products fail within 10 years. It happened to us. $15k for roof replacement that failed. It was not the fault of the installer. They had to sue, big time. Individual customers like us were only offered around $800. Basically the cost of their lousy shingles. We had a large insurance settlement due to a car accident, so we had the money to replace it with a metal roof. Best decision ever.
@@countryfrau8328 yes. You need to do research. Ours doesn’t have the screws.
I would probably have to say that I have been priced out of investing. On a positive note, keep tucking away a few dollars in a savings. 😊
You're great with money, you'll be okay for retirement. ❤
House, insurance, car and food are too expensive? Sounds like we're all headed to homelessness and hopelessness
Yes, we are
@TammySmith-nb6sesince the changes in the 80’s. First actual real angry argument in our family.
Need to live like folks do in other countries. Having multi generational family under one roof. Everyone pulling their own weight 👍🏻
Thank Biden for the shit show
Keep the faith. Candice
I moved 2500 miles to the Southeast. I downsized my house to 2 bedroom/1 bath. and paid cash.. There is no air conditioning, but don't need it as I live up in the mountains. There is no central heat either, but it has a form of zone heating . in 3 rooms.
It was not an easy transition, but financially, it has been worth it. Lowered my cost of living by at least 50 percent across the board- property taxes, vehicle registration, etc.
I want to visit
Im a senior & have a bicycle and discount bus card. For most local trips I leave the car home and take the bus. I get exercise that way. If it rains I take the car.
Since I drive so little, I don’t buy auto insurance. All
my assets are in trust so there is nothing to get by lawsuit.
If I get stopped with no insurance I’ll pay the ticket. It saves $2500 a year.
I bought my Honda truck when it was 2 years old. It was Honda Certified. I would suggest getting a used vehicle that is certified by the dealership. Also the used vehicle you are thinking of buying you can call your auto insurance company and have them run the VIN# before your purchase to see if the vehicle has been in a flood or in any accidents. Check with your bank or credit union to see if they will offer you a better interest rate than the dealership. Good Luck!
That's how I got my amazing Toyota Sierra van--certified. I did buy a warranty I believe when I got it back in 2009 but not the one that would have had me just going back to a particular dealership. This van is still GREAT and has about 215k miles on it!
@@countryfrau8328 Honda will let you take your vehicle into any other Honda dealership nationwide for repairs.
Nancy wells thanks for advice!
My son has 10 acres. Probably would put an rv on it if I had to. I am retired and and did alot of upgrades to my house before I retired. Do need some more. Will take it as it comes.
@sunflowermarcia7277 I had a friend whose mom lived in a mobile home the mom bought specifically to put on my friend's land. She was an older lady and that way her daughter and son-in-law could help her out when she needed help going to doctors and whatever else she might need help with. It worked well for them.
Best thing is look for scratch and dent heat pump which does heat and air-conditioning. Also, get the highest SEER rating so, it is cheaper to run as well. Have it delivered to your home. Hire a crane to set the unit about $100;to $150. Hire Air Conditioning company to just install it and a new thermostat. A lot cheaper! I did this in Arizona cost us $5k
mini splits are the best thing going
I like all of your points, Dawn 🙂 One minor thing that I've eliminated is eating out. It's just gotten terribly expensive. If people ask us to go out, I just invite them over and cook a meal. It's more fun in my opinion anyways. Plus, we usually have leftovers which saves money too. God bless you!
God Bless you
We don't do fast foods and rarely eat out. We make our own coffee. I will not spend eight plus dollars for a cup of coffee.
The wife and I share meals when we go out to eat, have done it for years. Drink water. It works really well, you are NOT deprived, and you can save a lot of money just doing these things. Some restaurants are better deals than others. Figure out which ones those are.
Starbucks means the bucks they ask are to the stars@@debrapalmer9772
HEATNG
FOOD
FUEL
CLOTHES
We are in Florida, home owners insurance is insane. We drive older car, his is a 2005 mine is a 2010. We are being told that getting parts for them isn't easy anymore.
Oh no
We drive a 2005 and a 2010, too! I wonder if we'll be like Cuba with old cars fixed with all kinds of work-arounds? Annual inspection requirements pretty much won't allow that!
@@countryfrau8328 We don't have annual inspections.
Always buy popular models .Parts are easier to find for older models,like Corollas and Camrys.
@@johnball8758 We have a Cadillac & Malibu
The joke around my family is that I can make any car last forever. I am a car care nut and firmly believe in over maintenance. I change engine oil every 2,500 miles, transmission service every 25,000 miles, differential service every 50,000 miles. Oil is way cheaper than replacing an engine or transmission, and I do the work myself to save even more. Strategically, buying tools and equipment is an investment not an expense - because it lowers my vehicle operating expenses.
We still have a 1994 Astro Van that we use. She is a tank!
We sold our home in the suburbs of Chicago and moved to rural Missouri and paid cash for our home so there's no mortgage. We shop smart and don't buy junk food or pop. We eat out maybe once a month and we haven't graced the inside of a movie theater in years. We let go of satellite T.V. (there's nothing on network television worth watching anyway) and just have a few streaming services. At my age, I've been through recessions before, and I was raised in a low-income family. I spent a lot of time living with my grandmother--who lived through the depression, and she taught me not to waste anything. All the things you think you can't live without---you can live without.
I did that. I sold my house in PHX and moved to Branson.
We still drive a 1994 Astro Van. It is a local vehicle for us, in county only... to and from work only. There is no public transportation available in our area. We bought all of our vehicles used. We bought a 2002 Tahoe from my neighbor's kids when their elderly parents died. I would never buy a new car. Hopefully, our old vehicles will keep going for a long time. I have seen videos where the Astro van had 444,000 miles. We haven't even hit 200,000 yet. She isn't pretty but she is a tank. Ironically people stay away from you in old vehicles, I think that they think that you don't have insurance but we do! I love it... feel free to stay away from us old junkers... it keeps us safer! :)
Wow here in the Toronto area you cannot buy any house for less than 1 million dollars. It’s ridiculous here. And these are homes with no big backyards or property. Plus we just got a 23 percent carbon tax hike April 1, not good here in Canada at all, everyone is struggling. Our grocery prices are ridiculous too. And don’t forget all the money we pay for the internet, not good.
Wow
I understand! I'm in London!
Global problem. I'm going kayaking. The Florida Beachcomber 😎
Wow! Are your salaries higher?
Janice, is that 23% carbon tax on top of the 15% sales tax you already have to pay?
We looked into moving a couple years back, can’t afford to move. 🙁
Pennsylvania you buy beautiful home's for around $180.500 in small communities. My Ford Focus is a 2007 and it runs perfect. Instead of lie insurance we put that money in savings. We then pre paid for our funerals and saved a couple thousand dollars.
You are very comprehensive in analyzing each area. There are options but many times we avoid the options because we don't want any change. I got to talk with family and friends that lived through rough times, like the depression or just being poor, and I know what they did to eat and get by and it has helped me in my mindset.
Thank you
We need to downsize to 1 level no stairs, less square footage. Would like a place where yard work is done. But we are priced out!! So guess we stay and pay for yard work. We want to stay in this area. Will look carefully at home owners and car insurance this next renewal.
We built our own home starting 10 years ago. We were 50 and 48. We designed our home keeping in mind our upcoming senior years. Very little stairs, walk in shower, wider door openings. And more 👍🏻
There are stair lifts if your bedroom is on the second floor. Look into landscaping that eliminates much of the grass. You can use plants that don't take a lot of maintenance or water.
If you have a bedroom downstairs or a room that can be turned into a bedroom, just don't use the upstairs, turn the heat to the bare minimum up there or close the vents if that is not an option. That is what I have done. Haven't used it for 10 years but I couldn't afford to buy a house with the square footage of my lower level. Just a thought.
I consider my four story Victorian home as my gym! Doing stairs all day keeps me fit and active. I want to be like the 100 year old woman I knew in Utah who was active and fit, all she did was the stairs!
If you live in a condo or garden home, you'll still be paying for yard work through the monthly maintenance fee.
You covered the four most expensive items for sure! Another for me is organic foods. Shari
So true!
I found out a long time ago that I can afford organic if I leave everything out of my cart that is not. Everything with soy, sugar and all those chems is just frankenfood, food like substance and cost you medically!!!!
Window AC units with a temperature sensor control is a great thing , you set it and it only comes on if it goes above a certain temperature degree in the house.
I like that you offer solutions and not just point out problems. I feel society has headed in a direction towards blaming and pointing out the negatives your outlook is very positive and helpful thanks again !
Thank you
You are so inspiring and REALLY bring hope. Thank you. ❤
I agree!
You are so welcome
We dont have a car. Our daughter drives us to appointments and local shops. The cost of petrol and diesel for vehicles in the UK is very high due to govt taxation.
Same in canada. Our prime minister just introduced a carbon tax this week on gas and everyone is suffering 😫
@@GymJill93When do you vote him out?
@timvandenbrink4461 not soon enough. I think next year is our election
@@GymJill93 He's a demon crook
I hope you’re able to reimburse her costs
Three years ago, I was living in a condo in Oklahoma City. My son lived in New Mexico, and I wanted to be in the same town as he so I sold my condo and relocated. I don’t know if I would ever want to own another home. I like being able to just pick up a phone and call somebody if something breaks and not having to worry about the cost. That being said, sometimes I do miss my condo. I had a small backyard with a flower garden that I loved. Now I just have a little balcony with some containers. Relocating was also very expensive. I would definitely think hard about that.
I was born and raised in Edmond for 37 yrs I was there. I miss that area so much. Nicest people. Now I'm in Texas.
That's the very reason I am a savour not a spender and live beneath my means
Oh yeah
Regarding moves to other areas, be sure to keep in mind that as we age, we need good proximity to hospitals and major health care systems. Winfield, Kansas has some great housing bargains available right now for those interested in relocating as one of their local major manufacturing operations closed earlier this year.
Smart thinking
I just listened to this video. We’ve cut back on many things but at the moment I can’t think of anything we’ve cut out except for vacations. We haven’t taken one in about 5 years. That was to see family & we stayed with them. So we had airfare & some food & miscellaneous expenses. We moved near them shortly after that trip. We’ve cut back a lot on meat. We eat more veggies & beans. Last year our food budget at the grocery store averaged just under $70 per person per month. We average eating 20 meals prepared in our kitchen per person per week. With this budget we don’t have food waste. We’ve cut back on clothes. Our clothing budget is $9.00 per month per person. We only eat out with extended family-we no longer eat out with friends. When we’re meeting a friend we’re meeting for coffee & that’s a short black coffee. We don’t order fancy coffee drinks or order any food. We try to get all of our coffees at one chain to maximize the rewards. Also sometimes since we’re recognized by the baristas they will give us a misorder or something that they made too many of for free. We turn the thermostat down in the winter & up in the summer. We look at every line item on our budget & see how we can cut back.
I am glad you mentioned Kate. I was going to message you on yesterday’s video so you can let her know I bought the book and I am reading it… but I bought the pink book and not the new one 🙈 I will be buying the new book after finishing this one. So far I have read the sample only of her new book. They are both great. Please tell her I said hello.
Wonderful!
@@CentsibleLivingWithMoneyMom I bought Kate's new book. It's on my Kindle. So far, I have enjoyed all her books. I follow her book reviews on Good Reads. I was subbed to her and noticed I had not had a video in a long time. Now I can't find her channel. Did she take it down?
Same. Wonder, too. Looks like people have hijacked the Coffee With Kate name.
The struggle is real... My brother and I were priced out of the Bay Area, so now we share a 2/1 condo in Sacramento. We're fortunate not to have a mortgage, but the HOA is expensive. We don't carry homeowners insurance and I drive a 1990 pickup. We don't use the central heat and we only use the central ac on 100°+ summer days.
We're ok on food because I know how to cook. 🍳 Sacramento, California USA 🇺🇸
You all are doing great
Cooking and eating in helps. Tip yourself!
Good for you!
yeah, but do you drive a fucki8nfordranger?
Window units in the Los Angeles area are about $150 to $400, but the $150 ones are really good❣️
You always come up with the best ideas! That's what I love about your channel
I love you!!!
Excellent video! We couldn't sell and buy elsewhere. We are comfortable but all the inflation in all areas have changed the way we shop. No more just filling the cart. We buy sale items in bulk and replace what we have used. Going to kick up the food storage just protect against future prices. We just adjust accordingly. 😊
Excellent!
Exactly the way to go.
We bought our house for $200K about 25 years ago. A similar house in our neighborhood recently sold for $550k. That's nice for them I guess, but now our taxes will
go higher. We couldn't afford to buy the house we are in! Luckily, it's 1400 sq. feet, bath and a half, so we can live here for a long time.
Me too!😮
Wow
Good alternative plans; moving to another location may also affect the health needs you have that the rural area may not be able to provide. A lot of small towns have no hospital.
I’ve learned, the hard way, a place with 100k or more is best for medical needs for a senior. We have a wellness centre. Thankfully a helicopter can help when needed!
Or not very good ones.
We die in our recliners! Why? Because we are men!lol
You're spot on with the prices. I spent 15k on a new furnace and air conditioning unit. My cars and house are paid off, so just liability and fire insurance. The money I saved over a decade allowed us to pay off the cars. I'm not paying all that money for home insurance.
I just don't understand how things can go downhill this fast in the US. Prices on everything are just insane.
I just switched my homeowners insurance for my $400.000 condo here in Spain. Yearly price is $200 with no deductible. HOA fees is $100 a month, but we don't have much other than a pool, so it's mainly electric and cleaning of communal spaces.
Visiting the US for the next 4 weeks, and worried about the cost 🥴
If u can afford a $400,000 condo you should have no problem in the US
Thank you sharing this information
@@Shopgirl1 Well I only paid 300k a few years ago, and it's actually quite cheap for the area. I try to keep my spendings below $900 a month living debt free.
Flights and car rental have almost doubled in price since we were there in 2018, so it will be an expensive US vacation although we are mainly staying at Holiday Inn and similar type places with breakfast to keep in on a budget.
I'm glad you are still taking vacations if you want to. It sounds like you are conscientious and budget. I hope you find ways to keep it doable!
This is all by design and the perpetrators have sped it up to destroy as much of American life as possible before NOV.
I cut out newspaper+ magazine subscriptions years ago. Use library for newspapers, magazines+ books.
Pets are very expensive so don't acquire one if limited on funds. We have a Senior cat. Recent vet bill was over $600.00. One can of cat food is .58 cents. This will be our last pet. It also eats some dry cat food+ snacks which helps with clean teeth .
Prior this cat has had to have teeth removed twice + expensive to do.
-We don't buy pop for the house.
-Sams has some restaurant gift cards which saves money. Example: Two cards for a pizza place here locally cost $39.00, but worth $50. On weekly Sr day, lunch is cheaper than other days in the week. Also...We have an app for this pizza place + points get collected until we get $5 off occasionally. So combining these things at this pizza place save quite a bit...pop or tea included in price.
That's great about the pizza place. Everyone needs a little splurge. 😊
We cut out subs years ago also and last May when our last pup, Mitzi died was our last pet also, however it was a hard and sad decision, still sad because the past is still with us. We don't eat out....quality no longer there for what they claim it's worth.....sigh
@@kathytincler2446 So sorry!
On the other hand, a beloved pet can be priceless comfort, constant entertainment and encouragement to go on walks, get exercise and feel peaceful!
Pet med care is absolute robbery
Vets should be ashamed that pets are suffering due to their refusal to treat w/o 1000s spent
Every month i go through all my bills, and try to cut each one down as much as possible. Not much else to cut out or down, so i may give up my cell phone. Its only 15 a month but i have a landline and prefer to use that
In rural areas, a landline can be an actual life saver!
Keep the cell phone for when you are out of the house,in case of emergency.
If you need to call for help while out,a landline doesn't work,does it
@@rochellethundercloud346 After many, many years of having a landline, we finally had to get rid of ours...apparently somehow (probably bad wiring or whatever) our landline somehow ended up calling the police number a couple of times. Had the cops come out to see who had called from our number, but no one had. They told us they'd had problems before with landlines doing that kind of thing, so I'm not sure what causes it, but it sure happened to us, and the police that came out were aware of the issue. Just got rid of it since we all 3 have cell phones. Haven't had that problem since then thank goodness!
@@rochellethundercloud346 I can call 9 1 1 on it if I had to
I got a free flip phone, not a cell phone from virgin mobile here in Canada. I use that for emergencies.
It costs 10-15 a month pay as you go. Plus I have a land line phone.
I live in the South and this is something that I have actually been working on.
1. We put Window Film Privacy One Way Mirror Glass Tint Heat Control Sun UV Blocking Sliding Door Tinting Reflective Static Cling for Home on our windows.
2. I bought car sun shades at the Dollar Tree and put them in each panel in the garage door. I am actually starting to double up on them.
3. Insulated the garage attic.... um don't know why the house didn't come with that?
4. Ceiling fans and I just bought nice oscillating fans on sale from Walmart and placed them in each room.
5. I turned the air up to 77 and the fan helps to move the air. It feels cool with just the fans moving the air. I try to turn off the air conditioning unit it off as much as possible. I have been opening the windows in the evening and early morning. This will be stopping when the heat really kicks in.
6. Soft ice packs on my neck cools me off.
7. Thick insulated curtains, blinds, and double up on curtains.
8. Cook outside on grill. If cook inside, use fan to cool area during and after cooking.
9. Lights create heat. I limit lights on.
10. Last year's bill was $216 this year to date was $145. Everything helps!
I hope that this helps someone!
Also, keep air conditioner drain pipe clean, and change air filters as directed.
That is fantastic
For sure
@@CentsibleLivingWithMoneyMom Thank you! I felt that this was an area that I could improve in and it definitely worked. Last summer's electric bills were brutal so I'm curious to see how it goes this summer with the changes that I made!
For some parts of the world, consider a swamp cooler. It's not as effective in humid climates as an AC unit/units, but it's drastically cheaper to buy, install, and operate, vs. a central AC unit. And if you're buying a window AC unit for every room, it may be cheaper than that, too.
I live in a small town in Central Texas. Houses and land are much more expensive here than in the larger town I moved from.
When we bought our house in 2000. Mortgage, homeowners and property taxes all together were $1300. We paid our house off years ago and now just the taxes and homeowners insurance run us over $700 a month. Electric bills that used to be $125 are now $300. It just never stops. Our debt based society and a government that can’t reign in spending are causing the crazy inflation that is hurting us all. We are under attack with constant currency debasement. All you can do is get debt free and save for a rainy day because they always come wether we like it or not.
That is crazy
😊 I have a few 2 bedroom rental units each of which has its own central AC with outside evaporator. It would cost $6000 to replace each one plus labor. The Freon R22 alone to recharge is at least 2 pounds or $300.
I now tell all my tenants to buy window AC for $150 and take it with them when they move out.
Now I only have to concentrate on the heater which is easy.
Sounds like it works for you
My ranch is going all solar soon the electric rates are killing us. I run a fish farm/ goat farm on 55 acres. I need to pump well water by solar means to cut them out. Being in Aridzona we get plenty of solar, and I'm sitting on a very large shallow water table. My wells can pump 1,000 gallons per minute, if I could afford the electric cost. Solar is my answer to that next year.
I don’t think solar is a magical answer for everything, but I do think it has a big use/purpose in a place like AZ (I used to live there) to produce cheaper power. I ❤goats 🤣 I call the valley the Valley of the Surface of the Sun🤣🤣🤣
You are young enough to keep saving so you have money for these for these areas. When you retire you will need to weigh whether you can afford your area.
Like money mom said, you can sell your house but really can't afford to purchase another...even if you get top dollar for your area.
I got a house that I don’t need to downsize from. It seemed really small when life was busier. It’s gonna be fine. I’m glad I never heated up a McMansion. For saving costs, we barter first. Lots can happen with trade.
So right!
We live in Manitoba Canada and our heating and AC units aren’t even near the prices you quoted but then again it all depends on the size of your house.
I have bought older cars all my adult life some as old as twenty years old and drove them for years. I was lucky I had such good luck because I drove them on commutes to work and on vacations. My current car is a 2010 Toyota Corolla that I have driven for 12 years. It was the only car I ever bought that new. I plan to drive it until it dies lol. I am 69 and just want to say buying older cars can be a reasonable way to go if need be. I work full time with two side jobs so have saved up money to pay cash if I ever need another car or for other emergencies. One thing I would say I can’t afford is redecorating my home unless it was necessary to fix something. I make do with what I have lol
As you are pointing out: Options. It's all about seeing the options and knowing what is and isn't important to you. Then everything will fall into place for you. Trust in yourself that you will make it work :-)
Love this comment
We have pro pane gas to heat our home.we keep the heat at 62 degrees .to warm our home.if the sun is out .we open the windows to warm us.❤
We keep ours at 62 and use a space heater and heated throws!
You are tough! I would only do this if I TRULY couldn't pay the heating bill...I keep mine at 68 and often need a throw or blanket!
Hi guys I have looked care of a bedridden husband. For 5 .12 years.i run a ranch with live stock.and pets..I have a broken back in 2 places.a female problem.im lame in the right foot.im seeing the dr. Next month.my husband has seen alot of dr.s.i didn't want any more atress.i take care of every thing. Husband had 2 surgery.s.he.s starting to walk again.lots of exercises.im saving my money. For my last horse.i want to ride again.i have really old horses. Like 30 to 32 years old I have had them since they were 9 months old to 2 years old.im not money rich.i have been bless.with God and jesus.family friends and pets.also been married.42 years.bless all of you💞
Regarding moves, be sure to check the local property tax assessments. It might be less or more than what you are paying now even if you are downsizing to a smaller place. My stepson and his family live in a suburb of Fort Worth. Property values and taxes have skyrocketed in the last few years.
Yes, for sure
Thank you very much Money mom-your tips are excellent and very do able 💕
You are so welcome
I think living by yourself is getting too expensive. My kids have to have roommates and it's still high. I would love to remodel our kitchen and get a new car but what we have is also fine. Filing for homestead exemption helped our property taxes come down. I also think we are getting so people are priced out of being able to retire.
Healthcare and medicine prices are skyrocketing. We are military, so our healthcare and meds are free. I honestly don't know how people afford it! Shockingly, uninvited people coming into our country illegally are getting 100% free Healthcare. Something has got to give.
Vote!
@@3TXSisters I'm going to vote. Hubby gonna vote. Will dress up my dog in a tux and tophat, see if he can vote.
@@theripleyeffect5203 😄😄😄
Trump 2024 🇺🇸
Healthcare and medicine is not free, taxpayers are paying for it. Nothing out of your pocket but it's not free.
I have been doing take out and eating out some, especially since my man passed a year ago, but i have to take a break once in a while because I work a lot. Usually, I stretch those restaurant meals to 2-3 meals. It saves time packing lunches for work or cooking and washing dishes. It gives me more time to work on things that have been behind for years. However, there are weekend days when I "clean out the fridge and cupboards" and make soup, breads, cold salads, etc., and clean up all the veggies to use up what I've got and freeze stuff for easy future use. So I am frugal enough that I can afford a few meals out.
Makes sense
Thank you❤
You're welcome 😊
I will always keep heating and air conditioning, car. Will replace as needed. I cook most of my food at home. Use what I already have, including food. I buy whole foods, vegetables, fruits and meats. I am not buying stuff just because.