Big ups to everyone working effortlessly trying to earn a living while building wealth. I’m 62 and my husband 65 we are both retired with over $3 million in net worth and no debts. Currently living smart and frugal with our money. Saving and investing lifestyle made it possible for us this early even till now we earn monthly through passive income.
Alright phyllis, speaking in general terms, investing requires a good amount of knowledge. That's why it's essential to have a solid support system like a financial counselor, especially when picking out assets. I've been working with Regina Louise Collaro, who is an investment advisor at a registered wealth management company. I can't recommend her enough; my financial journey has been fantastic thanks to her. She's quite well-known for her services, and she helped me achieve financial stability through investments. Now, I benefit from her passive income strategies every month. So, I'd strongly suggest finding a reliable investment advisor for yourself
Regina Louise Collaro is based in the United States and can work with anybody wherever they stay. If you would like more information about her, you can conduct a search online.
personally, I'm blessed and realizing I'm not the only one working with Regina Louise Collaro. I will consider myself lucky. I've been able to feed and make a living through her advice and great work. For such a person as Regina, I owe her gratitude, support and endless prayers as it is not easy to gain access to such a competent and reliable adviser. Who isn't just wise but has all it takes to handle an investment and is good at what she does..😊
Thanks Stephanie.I have had the intentions of starting investing. But I always thought it was late and I think I need to stop procrastinating. I will definitely 🔍 Regina Louise Collaro and see what she can advise .Thanks a lot . This was of so much help to me
I only spend one day a week. What ever i need has to be bought on that day.. grocery veg meat clothes take away entertainment... everything on a saturday. Remaining 6 days eat home cooked food. No cash kept in the wallet.. only card. I own 3 properties at 40
Yes, me too.. I go food shopping Fridays, and during the week, I just make list of things that I will need. I also shop for clothes once a month and I only can spend 30€. When I buy nothing, I know that I can buy something more expensive the next month for example a coat or shoes. It's all about discipline. I am 21 and already reconstructing a house 😊
I love that!! We already do this with groceries. Great idea to expand the concept to other areas. I will do that from now on. Thanks for the inspiration.
This is a good way to go :) I regifted or sold alot of my wardrobe a while ago and it was all stuff that I bought and realised that I really didn't want any of the stuff I had, and now I only buy it if I know I love it
Yes, and a small tip.. I have a monthly budget. 30€. When I don't buy anything that month, I can spend a bit more the next month. And I also have a list of things that I want to buy. I buy items from that list according to importance. For example a pair of shoes for winter is more important than a new shirt, so I buy new shoes and not a shirt this month. Or if the shoes are over my budget, for example 40 euros, I buy them and the next month I will spend 20€ 😊 I found out that as a woman I can spend quite a lot for clothes that I wear one time. This budget pushes me to buy really just something that I love because I know I can spend only that amount of money monthly for clothes.
During my student days, when we couldn't afford to eat out, we used to have a 'pot luck' night where we'd invite people over and ask them to bring a dish and something to drink...the only rule was, they couldn't spend anything, and had to use what they had. We'd end up with 8-10 random dishes and half bottles of wine or single cans of beer or Coca-Cola, but it was always great fun and everyone would be stuffed. We'd then just hang out, play music, watch a movie or play poker for chips. Not a penny spent but some of the best memories 😊
Yes I love upcycling furniture, I love antique but it's so pricey unless you find someone selling stuff off when moving But I either build or buy 2nd hand furniture also ^_^
For me, following Dave Ramsey has been a life changer. I no longer have credit card debt or car payments. And because I'm serious about living debt-free, my 30 year mortgage will be paid off in less than 10 years. It's not hard to do at all when it becomes a mindset focus.
I planned to have my house paid off before I retired when I bought it and went for a 15 year mortgage as my income would drop a lot when I retired. House and car paid off and no debt. Put all purchases on credit card that gives me points and get a free flight to visit my son each year.
My frugal tips? I switched to lighter pans and quit using parchment paper. Glass food storage instead of disposable plastics. Making more of my own cleaners. Taking advantage of how much natural light I allow in. Little things here and there can really add up.
Great tips! Turns out I’ve been doing most of these frugality things for several years. Here’s a tip I’d like to add. I’m a dental hygienist and see every day at least one patient (usually more than one) that hasn’t yet made flossing part of their daily oral hygiene routine. More often than not this leads to expensive dental work that could have been avoided or at least minimized. Having dental insurance is a help as it usually covered cleanings twice a year as well as the doctor’s exams and X-rays but it only goes so far. Have your teeth cleaned twice a year- it costs around $100 per visit and then floss daily. Purchase a power tooth brush, you don’t have to spend hundreds on one. Consider this an investment in your health because it is just that.
I’m a dental assistant and I second this! Super important to prevent requirement of other more expensive treatments Eating healthy and drinking water is important too
I can relate. Dental hygiene wasn't known much when I was a kid and I had terrible teeth. I still have, that won't change (lack of vitamins, vommiting due to stomach issues and so on) but the flossing part made it way better. I also have special toothbrushes for those little spaces between my teeth and it's a game changer.
Well a little conclusion for me and hope it helps you too. 1. No buy day/week/month 2. Raise your income 3. Shop second-hand 4. Check your bank account on a regular basis 5. Scrounge your dinner one night per week? (basically, cook a meal with the little things you have at home) 6. Cut your own hair / get less hair done professionally 7. Cut your guilty pleasure in half (dinner/coffee) 8. Cut back on your consumption of meat 9. Save monetary gifts or bonus 10. Split in meals when you go out to eat 11. Track your spending 12. Plan grocery list/ stick to it/ meal plan 13. Remember you are your best assets! (know what works best for you/ make your own list)
I will never split meals...I like going out to eat. I don't do it all the time but when I go out to dinner, I want to enjoy myself....splitting meals will make me feel poor not frugal.
My frugal tip is to only buy material products if the thing hits 3 criteria: 1. Is it functional? 2. Is it beautiful? 3. Will I actually use it? If it's beautiful, but not functional, I'll display it but won't use it. If it's functional, but not beautiful, I'll tuck it in a drawer/closet & forget to use it. If it's both functional and beautiful, I still have to vet it and ask myself if I honestly need it. Bc if I don't, it doesn't matter what awesome functionality the salesman pitches to me or how appealing it looks, it's going to end up collecting dust and taking what little valuable space I have. The less stuff I have that I actually need, the less likely I'll need to upgrade to a bigger home with hoarding space. Another tip: Don't keep up with the Joneses, or compare yourself to anyone for that matter. Have your own personal aesthetic that is unique. You're less likely to be swayed by status symbols or haul videos if things don't meet your personal tastes. I limit my clothing style to soft, flowy, & cozy, so anything restrictive, blingy, or busy-looking won't compell me to buy it. I limit my house appliances to white & copper, which makes it really hard to buy the newest gadget, but leads me to get really excited whenever I find the rare (usually second-hand) appliance in that color scheme! Everything else has to be glass, wood or bamboo. Not only does my house look bright, airy, and natural, but since every new gadget is black or stainless steel, I've saved money bc I've compartmentalized my spending. Even pamper items which are usually pink, are avoided unless I find that shaver or soap dispenser in white or rose gold. It's definitely forced me to ignore brands and shallow advertising, and redirect my shopping to cater to my aesthetic. My baby sister does this with blue and gold. My brother does it with mahogany, green, and bronze/brass. My middle sister who shops anything silver, or neon bright and colorful can't seem to curtail her spending bc that's not a criteria that is limited or rare. Final tip: Don't get a car. If you live in a city with Uber or Lyft, or the bus/subway, then use it. The amount of money spent on a vehicle, that sits idle in traffic or parked majority of the time, is wasteful. Cars are a depreciating asset and full of maintenance woes. If all you need is transportation, use alternative services. If you need to shop, use delivery services. Avoid the hassle of car insurance, tickets & court fines, and the costs of repairs. I don't understand our obsession with cars. Spend a day in the pedestrian & bike-friendly Netherlands and it'll kill any admiration you ever had for vehicles. The amount of air & noise pollution there is non-existent, and the amount of common courtesy (bc you're forced to be aware of walkers) is exponential. We could learn so much from their urban planning and economic habits.
I am a firm believer in thrifting/secondhand. I always search fb marketplace or my favorite thrift stores before making new purchases. My new favorite is my areas local buy nothing group. I gift many items I don’t need and sometimes even come across items I need as well.
Thank you for the wonderful tips. My tip to add is that if I can't resist the urge to shop I just go ahead and shop I buy a bunch of stuff I put it in the cart and then I walk away I don't actually buy it and when I come back the next day I look at what's in the cart and I think what was I thinking
One thing that has worked well for me, is when I’m shopping and I find something that I really like but wasn’t planning on buying, I put it back and if I remember it at the end of my shopping trip, I’ll get it. If I don’t (which happens 99% of the time,) it means I didn’t really want/need it that badly.
I also did a no- buy January and now I'm doing a no-buy July. It really does foster awareness and saves me money. I plan to make this a tradition in my year.
2 things to add to your extensive list: a) When I go out somewhere where I'm not intending to spend money, eg gym or walking the dogs, I leave my credit card at home so I'm not tempted to buy anything unplanned. b) My credit card is set so the full amount I've spent comes off my bank account at the end of every month. That way I can't overspend. If I need to buy something big then either I will use the budget facility and pay it off asap or I will save up till I have the full amount in my account. I love your videos, Elin! Love from Cape Town, South Africa ❤️
Great tips-thanks! This may be extreme for some, but it works for me-I moved from L. A. to a less expensive state. This literally has saved me thousands per month. No more house payment, property tax is 78% lower, car insurance dropped by more than 60%. Cool people, less stress, ahhhh ❤
great video! I think frugality and minimalism go hand in hand. This year I decided to do a "buy nothing new year" rather than a "no buy". Basically I'm attempting to only buy second hand items whenever possible. You wouldnt believe the high quality items I have found at a fraction of the cost! (New subscriber :)
So cool ! We also decided not to buy anything new since one year and it's working so well for almost anything : items, clothes... Plus we get to meet people directly locally, that's just much better !
Frugality is definitely a mindset and an intentional way of living, it also helps to ask why you want to live/be more frugal and intentional as having a goal or a reason that is meaningful to you can help to not only make better decisions about what and how we're spending and living but look for new ways to reduce our spending and live more minimally too.
When I cut out meat in my diet I ended up eating lots of carbs then became insulin resistant 😬 I’ve been following a low carb/Ketogenic diet for the last 5 years and feel much better for it (obviously this diet suits ‘my’ body) I can still take your advice and do a vegetarian keto meal once a week which is a good idea. I also do a 20 hour fast once or twice a week which saves heaps of money and gives your body a break. Your videos are so calming to me. Keep up the great work.
You can also shop meat sales. I shop at Aldi which is pretty inexpensive anyway so I don’t run around shopping sales but a lot of stores have great meat sales that are easy to take advantage of.
I follow 16:8 eating schedule and not having breakfast saves some money, but more than that, in the long run it helps me prevent long term illnesses :)
Love these tips 💕 I almost spent $35 on two dog leashes for our new puppies at target but instead spent $5 total and bought two on marketplace! Feels so good!
A big way I stay frugal is having a balanced and strict budget with my partner and sticking to the $1000 project. It's really helped me understand having mindful money and only spending when I need to. I'm also a big believer in the second hand market, like appliances and clothes and using low cost longlasting makeup. Great video!
I Attached Aerators to all the sinks/showers in the house. They are small attachments that are fitted at the end of water taps or can be inserted inside the spout. ... The volume of water flowing from the tap gets appreciably reduced as the water stream is diluted with air. I couldn’t even tell a difference in water flow. Helps save water and money.
for those who find it hard doing one week scrounge meals. You can dedicate one week usually the end of the month as Pantry Purge, where you cook as many meals as you can using only what you have in the pantry. its much easier to the use odds and ends in larger meal prep dishes.
Aside from shoes and underwear, mens jeans, and sharp tools, everything else is thrifted or second hand. I went back to trimming hair again too. These things really help and allow us to have more time to just relax and spend time quality time at home.
I am planning a miserly May where I buy only food. We put all our small change - 1p, 2p, 5p and 10p (UK) - in a money box and put it through the counting machine at the bank every so often. It goes straight into our account and we have not missed using it. I stopped buying expensive skin products and use just unperfumed soap, Nivea and Vaseline instead. Also stopped impulse buying lipsticks and eye pencils. As you get older less make up looks classier.
We are taking a huge step in remodeling our kitchen. Instead of making it bigger with those huge appliances that all of my neighbors have done....we are going to create an minimalist kitchen with skinny appliances that line up all on one wall. This wall has all of the plumbing and electrical outlets. And we are relocating all of the kitchen cabinets into one place turning them into a built-in hutch/cabinets. Our wall length is 8 feet 6 inches
Sometimes I share a meal, but if not, I ask for a box and separate my meal in half. Bring it home and have it for lunch, or sometimes add rice and vegetables and share with my husband. Try and stretch (reasonably) what you have.
It's great I'm hearing your tips on being frugal. From the years I've been practicing spending on minimum budget especially for an item that I need or any groceries. One tip that I practice myself are spend only cash and only withdraw $50 or $100 max. This habit made me more self-conscious of what I want to spend or do I need to spend on the particular item. It helps me to save much more.
We stopped exchanging gifts for the most part (my husband & I) and also extended family. We don't miss it and everybody else just accepted it and it's just now normal. If I just happen to find something that someone might love, I just buy it and give it right away, but no more holiday stress stuff.
I will say when it comes to electronics-if you absolutely either don’t want to or can’t find what you need, go to a store (like Best Buy) and find out if they have the computer you are looking for or one that is similar that is an “opened returned”. The cost is at 50-60% of the original cost. We got a Apple laptop that is originally almost $1200 for $500 that way. It had never been used. Someone had bought it and brought it back. They can’t sell it for new since the box had been opened.
My favorite money saving tip is to use the library for books, magazines, music, movies, etc. If I really love a book (like To Kill a Mockingbird, The Book Thief, A Gentleman in Moscow, or non-fiction like Think Like a Cat, or Cat Mojo), I’ll purchase it at my locally owned bookstore. Your tip about second hand stores is spot on. I purchased a Stickley end table at my favorite consignment shop for $175 (they’re close to $800 new).
I use to get coffee EVERYDAY! Imagine, that's €3,50 7 days a week, 52 weeks a year. Beside that I was having lunch outside twice a week and also went out for dinner twice a week. For months I haven't go out to eat (everything is closed because of COVID) and I reduced my coffee habit by buying a Nespresso and start putting the coffee-money in a jar. The amount of money I am saving now is CRAZY and AMAZING at the same time. I will have dinner outside soon but way more consciously. Long term thinking instead of short term.
i have curly/wavy hair and learned to do a layered cut on myself for my long/shoulder length hair. during the pandemic, no one could tell the difference! i only got a trim once a year so i’m not that adventurous with my hairstyle but the fact that no one could tell that i cut my hair myself gave me the confidence to just keep on doing it myself!
Our eating out tip, we try to order a glass of water instead of tea, coffee or soda. It saves money. We also avoid the appetizers. They can be quite expensive. Because the size of our meals are large so I usually have leftovers for another meal for another day. Thank you for your ideas.
Looks like the only 1 I need to add is #2. However, I am playing around with re-opening my etsy to provide digital patterns. I just have to learn how to translate my hand-drawn patterns to a pdf form. #8 adding meat back into our diets saved us so much money, plus time/energy. Then again, we're in a location were we can buy meat & produce from local farmers, and those going vegan/vegetarian for financial reasons, etc., tend to be located somewhere where they don't have that privilege (aka, the longer it takes for perishables to get to you, the more you're going to have to pay. I can say I do not miss living in a food desert. Lol).
I just came off of a three month no spend and let me tell you it was eye-opening the only thing I did was I went out to dinner with a girlfriend I had not seen in years but other than that I only bought what I needed or needed to replace and it was amazing
This might sound intense for some people, but building my own budgeting tool from scratch (first in a spreadsheet and later in Notion) was a HUGE game changer for me. In my opinion, having a budget is an absolute necessity, but I found that a lot of budgeting tools fell short for me. Creating my own budget according to my needs and how my brain works allowed me to have the best system for myself. Having my own tool also forces me to be active in my budget (not automated) and allows me to get as detailed as I need to be in order to be successful. I've personally found that the more detailed, the better - I'm less likely to miss a bill that's due or forget that something will be going through my account. I also budget weekly, which allows me to break everything down into more digestible bits, but is also a little more time consuming (for me it's worth it).
My mom floss with sewing thread brushed her teeth twice a day.She traught me how to take care of my teeth.And yook us twice a year to the dentist.Thanks for the tips.
I live in England, and whenever we have a clearout of stuff,we always take things to charity shops,and I like looking in charity shops for clothes for my 7 month old grandson, because children grow so quick,and you can find so many bargains.
Come up with a couple of really cheap meals that you really love, and have them once a week. I love porridge (oatmeal) with cinnamon, it's really cheap. Tortilla de patatas is also very cheap. Both those meals feel like a total treat.
Another tip--that is often discussed - make a grocery list and stick to it. Think about the meals you want to create for the coming week on Saturday or Sunday and buy accordingly. I don't like fussing with food and meal prep, so I decide on the easiest, simplest meals. This simplicity allows me to buy quality versus quantity.
Such tactical advice, so useful! Especially the secondhand tech-I’ve been using my partners old computer instead of replacing my work one when I left my FT job and it’s allowed me to invest in new software instead. 💪
This information is very good! One thing that I have noticed is that I buy the things I need on Amazon because it's EASY. I will take your advice and start purchasing clothes, kitchen items, etc, at second-hand companies. That's a great idea!
These are great tips for those that actually have money. There is a lot of privilege in this video. When you live paycheck to paycheck, you do not have a choice to not monitor your bank account and track your spending. If you are not doing these things, it means you have the luxury not to have to. Choosing to do a no spend day or week means you had the luxury of having the money to choose not to. close to 12% of the US population lives in poverty. There is also a large population who live just above the poverty line while still being financially stretched so thin that they have no choice but to not spend on guilty pleasures and buy second hand. These are the types of tips given to the poor to try to "help" them to "pick themselves up by the boot straps". If these tips are helpful for you, great, save away. Just remember that frugality is a way of life that many people didn't choose.
Do you have any "poor people" ideas to save cash and jump from poor to not poor? Im just over the "poverty line" and have a paid for car, a paid for useful motorcycle and well into the 6th year of my 15 year mortgage no problemo. Poor dude tip, ride a motorcycle, its cheaper than a car and you cant buy dumb stuff at the mall cause you cant carry it. Its not about privilege, its about not making bonehead decisions with your money
@@joerazakmex88 I'm happy you managed to get a mortgage. The fact that you have one say you aren't as poor as you say are. I can't ride a motorcycle with 2 kids to transport. I drive an older car that is paid for. I dont make "bonehead" decisions with my money. I can't get a mortgage because the bank says my credit score isn't high enough. I only have 1 credit card that I barely use and save for emergencies. I don't buy things I don't need. My biggest splurge is occasionally letting me kids get a burger at their favorite fast food place. I barely have enough to pay the bills each check, and I'm lucky. I at least have enough to pay all the bills. So many people don't even have that. You can't pinch and save when there is nothing to pinch.
For hair maintenance, I like going to the Aveda beauty school. Such good prices and professional experience! It takes a little longer but they always do a great job and the products they use are amazing!
To save on groceries one dinner a week is soup and salad. So it’s not just a plain lettuce type salad, I make chicken salad or shrimp salad to put on top. Another evening I make quiche and muffins. That way we have plenty left for the next morning breakfast too. My husband loves that.
I save a ton of money in the laundry room by not using fabric softener sheets, and making my own detergent. One part OxyClean powder and one part WASHING soda (not baking soda) mixed together. Use one tablespoon per load. Also, if you have a cat, try equine pine pellets (Tractor Supply…$7/40 lb bag) for litter.
I watch videos like these regularly and I often wonder why the presenters' hair is always unkempt It's refreshing to see a frugal person believing in looking good 😊😊😊
I'm trying to be more frugal and save more money. But at the same time I find that I spend more money on groceries now then what I did before as I like to buy organic and have a variety. Although, I do manage to save up to $1000 each month, by not owning a car, not buying more clothes then I need (buy only when absolutely necessary), I cut my own hair (haven't been to a hairdresser in about 15 years or so), never eat out, never go to the cinema, gym and so forth. I use nature for excitement, for exercise and as therapy. I do have a television but I use UA-cam and movies I already own as entertainment. I sell stuff I don't need (been doing so every week for several years) and I either use the money I get from selling stuff to pay for other stuff I actually Do need or I save it.. I love to save money and hate to spend them. There's probably other things I save money on Not buying or using them on, but these are my basic saving points. I wish that I could live like a monk, not owning furnitures, getting rid of the TV and just have the absolute essentials.. But..I find comfort and safety in owning an apartment, a bed, a wardrobe, couch, small table for my teacup, enough clothes and the small items that makes my life and my days more enjoyable and more comfortable. I am in the middle of deciding whether or not to buy a new couch (using an 15+ years old and worn out mattress these days, which I'm eager to trow away 🙈😅), a new closet for all my linen, clothes (all the textiles are in large plastic bags at the moment) and my stuff and a small table for my teacup. These items are not really essentials for me to live, but they would make it easier and more comfortable. Now, the money I'll have to pay for the items would come to a high amount and that includes using saving money. I do not like the idea, as a frugal person and as someone who likes to own as little as possible. Spending money, even when it's on things like these, I find it's hard to spend money and not saving. I'm saving for future renovation and a future larger/better apartment, But, at the same time I want to live comfortably and have a nice home to recharge in basically, in the mean time. I do not however want to own anything too expensive. I strain to obtain the simplicity in life, as much as possible. It's a daily chore, to find what suits me best and declutter everything else.
Wow what a great video! I just came across your channel and I love it!! I follow most of the tips/ ideas you mentioned:) And I am huge on meal planning and meal prep as it not only saves money and time but I am able to take better care of my health as well. I limit my meat consumption to only couple days a week and incorporate lots of lentils, beans, tofu and other plant based protein into my diet.
I’ve found being a minimalist and continuously having a flow to declutter has helped my desire to shop. My closet is very organized now so I know I don’t need another black shirt, or another shoes. My new rule that helped to was to wait to need to bring something out before bringing something else in.
I tried making my own cleaning products to save money, but they didn't clean well and left a film. I do go to the dollar store to buy cleaning products now and while I was shopping, I found eye liner there. I'm still using it. It works fine. Thank you for your video.
Thank you for sharing this video, have been going through some frugality fatigue recently, watching this has reset my focus to look at my budget and how I intend to manage my resources
new subbie, i think meal planning is so effective and under stated and whenever i do it properly I never throw anything out & buy exactly what i need.Great video TFS x
And if you don't feel brave enough to do your own hair: If you have a training salon nearby they not in frequently ask for people their trainees can work on. Often this is at very reduced prices or for free! And in my experience, while it takes them longer as they are in training the result is just as good, as their tutor keeps an eye on them at all times and will check in to see how things are before you leave the salon.
I am aware this video is very old and this comment may never be seen- however! Hearing "I taught violin lessons" and not even a minute the word "sacrilegious" has me happy to see that you are a fellow TwoSet fan.
I cut my hair my self since mid school.. Just because it's one of my way to relief stress, like a healing time for me to cut my hair my self.. And still do it until now, it's been more than 17years.. It's pretty help me to save money in my early time when I'm starting live independent. And since my mom gave me monthly money since i 7 seven years old, so i have habit on writing all my money. It makes me aware of my spending. Thus i can control my money flow better and never forget to have saving.
Appreciate the tips! Thank you :) I've tried a couple low-buy months last year and in the past months, I realized that although I didn't formally set a goal of low-buy, I've bought a lot less and been much more intentional with my few purchases.
One thing we do as a family is that we buy takeout at restaurants. That way we save money on the tip, and on the beverages. We don't buy the individual sodas, I make a lemonade or sweet tea at home. As a family of five that saves us around 10 dollars in the beverages plus the 15% tip for the waitress, and we order less dishes to share amongst all instead of one entree per person
@@leem200 I'm sorry but I'm not tipping for takeout!! I literally get down my car, walk into the restaurant pay and pick up my food at the counter, and I still should tip them for doing nothing? Make that make sense 🙃
There is a church next to my apartment that has a hair stylist. She only charges $3. for a haircut. I keep my hair cut short. I only get my bangs cut every two months. I only have to get a full haircut twice a year.
Good video. I have been meaning to try a no-buy month. I have been watching videos on a French lifestyle & a slower way of life. That would tie into being more frugal.
Hello, I just found your channel and I am already loving your style. I love to hear and talk about these topics, so I am excited to see more of your videos. 😊💛
I use the spending tracker. OMG! I just love this app. I'm sure there are others that are great as well. I highly recommend bundling up your bill payments at the beginning of the month or each pay period. Get those out of the way! Remember: they are not going away! Finding ways to create easy cost effective meals. Buying what you really need. Avoid any foolish spending. Get rid of any addictive habits: smoking. Vaping excessive drinking and shopping. It may be enjoyable at the moment, however, it will have long term consequences. Oh and might as well add having too much sugar and junk food in our diet. I apologize for getting on a soapbox and spouting off. However I care about people and hopefully with everyone sharing their ideas we can all grow and reach our full potential. May the blessings of God be upon all you humans out there! Peace, Love and Joy!
Big ups to everyone working effortlessly trying to earn a living while building wealth. I’m 62 and my husband 65 we are both retired with over $3 million in net worth and no debts. Currently living smart and frugal with our money. Saving and investing lifestyle made it possible for us this early even till now we earn monthly through passive income.
Alright phyllis, speaking in general terms, investing requires a good amount of knowledge. That's why it's essential to have a solid support system like a financial counselor, especially when picking out assets. I've been working with Regina Louise Collaro, who is an investment advisor at a registered wealth management company. I can't recommend her enough; my financial journey has been fantastic thanks to her. She's quite well-known for her services, and she helped me achieve financial stability through investments. Now, I benefit from her passive income strategies every month. So, I'd strongly suggest finding a reliable investment advisor for yourself
Regina Louise Collaro is based in the United States and can work with anybody wherever they stay. If you would like more information about her, you can conduct a search online.
personally, I'm blessed and realizing I'm not the only one working with Regina Louise Collaro. I will consider myself lucky. I've been able to feed and make a living through her advice and great work. For such a person as Regina, I owe her gratitude, support and endless prayers as it is not easy to gain access to such a competent and reliable adviser. Who isn't just wise but has all it takes to handle an investment and is good at what she does..😊
Thanks Stephanie.I have had the intentions of starting investing. But I always thought it was late and I think I need to stop procrastinating. I will definitely 🔍 Regina Louise Collaro and see what she can advise .Thanks a lot . This was of so much help to me
I only spend one day a week. What ever i need has to be bought on that day.. grocery veg meat clothes take away entertainment... everything on a saturday. Remaining 6 days eat home cooked food. No cash kept in the wallet.. only card. I own 3 properties at 40
Wowww thats my goal thank you for sharing
Can I ask when you started ...I'm 4 months away from 30 and feel like I should have started earlier
Yes, me too.. I go food shopping Fridays, and during the week, I just make list of things that I will need. I also shop for clothes once a month and I only can spend 30€. When I buy nothing, I know that I can buy something more expensive the next month for example a coat or shoes. It's all about discipline. I am 21 and already reconstructing a house 😊
@@michaelastasova4555wowwww
I love that!! We already do this with groceries. Great idea to expand the concept to other areas. I will do that from now on. Thanks for the inspiration.
What helped me to stop mindlessly buying clothes was, I only bought things that looked amazing on me. If the piece was just ok, I put it back.
This is a good way to go :) I regifted or sold alot of my wardrobe a while ago and it was all stuff that I bought and realised that I really didn't want any of the stuff I had, and now I only buy it if I know I love it
same, if I feel a million dollars I get it, if not, nah
Yes, and a small tip.. I have a monthly budget. 30€. When I don't buy anything that month, I can spend a bit more the next month. And I also have a list of things that I want to buy. I buy items from that list according to importance. For example a pair of shoes for winter is more important than a new shirt, so I buy new shoes and not a shirt this month. Or if the shoes are over my budget, for example 40 euros, I buy them and the next month I will spend 20€ 😊 I found out that as a woman I can spend quite a lot for clothes that I wear one time. This budget pushes me to buy really just something that I love because I know I can spend only that amount of money monthly for clothes.
This is a great tip bc my body shape is not easy to dress, so if it’s amazing/ I won’t buy much. Lol
You only end up wearing the stuff that looks amazing anyway so it’s a good tip!
During my student days, when we couldn't afford to eat out, we used to have a 'pot luck' night where we'd invite people over and ask them to bring a dish and something to drink...the only rule was, they couldn't spend anything, and had to use what they had. We'd end up with 8-10 random dishes and half bottles of wine or single cans of beer or Coca-Cola, but it was always great fun and everyone would be stuffed. We'd then just hang out, play music, watch a movie or play poker for chips. Not a penny spent but some of the best memories 😊
I love second hand furniture. So much character/possibility for creativity and more solid wood options. I rarely buy new.
Totally with you!
Facebook marketplace for the win!
Yes I love upcycling furniture, I love antique but it's so pricey unless you find someone selling stuff off when moving
But I either build or buy 2nd hand furniture also ^_^
Refurbishing or upcycling and selling can be a great side hustle.
I find that interior decorators are good potential clients.
For me, following Dave Ramsey has been a life changer. I no longer have credit card debt or car payments. And because I'm serious about living debt-free, my 30 year mortgage will be paid off in less than 10 years. It's not hard to do at all when it becomes a mindset focus.
Amazing! Congrats on all that hard work!
Yes! We sort of loosely followed Dave’s plan and we paid off our house early. We also have 4 vehicles all older (3 quite old) and all paid off.
Agreed! I paid of my little over $6K credit card debit in four months last year and it felt amazing and I’ve stayed debit free ever since!
@Kathey Hanes- When u paid off ur credit card, did u close it or what- just curious. I’m on the road to paying mine off!
I planned to have my house paid off before I retired when I bought it and went for a 15 year mortgage as my income would drop a lot when I retired. House and car paid off and no debt. Put all purchases on credit card that gives me points and get a free flight to visit my son each year.
My frugal tips? I switched to lighter pans and quit using parchment paper. Glass food storage instead of disposable plastics. Making more of my own cleaners. Taking advantage of how much natural light I allow in. Little things here and there can really add up.
Thanks for these!!!
You deserve an award
😂 I'm just going back to grandma's ways
Great tips! Turns out I’ve been doing most of these frugality things for several years. Here’s a tip I’d like to add. I’m a dental hygienist and see every day at least one patient (usually more than one) that hasn’t yet made flossing part of their daily oral hygiene routine. More often than not this leads to expensive dental work that could have been avoided or at least minimized. Having dental insurance is a help as it usually covered cleanings twice a year as well as the doctor’s exams and X-rays but it only goes so far. Have your teeth cleaned twice a year- it costs around $100 per visit and then floss daily. Purchase a power tooth brush, you don’t have to spend hundreds on one. Consider this an investment in your health because it is just that.
I’m a dental assistant and I second this! Super important to prevent requirement of other more expensive treatments
Eating healthy and drinking water is important too
I too am a dental hygienist and I second this! 😁
@@marwafahiz8826
L
Stream of dental workers agreeing with a very useful tip 😆
I can relate. Dental hygiene wasn't known much when I was a kid and I had terrible teeth. I still have, that won't change (lack of vitamins, vommiting due to stomach issues and so on) but the flossing part made it way better. I also have special toothbrushes for those little spaces between my teeth and it's a game changer.
Well a little conclusion for me and hope it helps you too.
1. No buy day/week/month
2. Raise your income
3. Shop second-hand
4. Check your bank account on a regular basis
5. Scrounge your dinner one night per week? (basically, cook a meal with the little things you have at home)
6. Cut your own hair / get less hair done professionally
7. Cut your guilty pleasure in half (dinner/coffee)
8. Cut back on your consumption of meat
9. Save monetary gifts or bonus
10. Split in meals when you go out to eat
11. Track your spending
12. Plan grocery list/ stick to it/ meal plan
13. Remember you are your best assets! (know what works best for you/ make your own list)
Thanks for this lovely summary! Definitely useful!
I will never split meals...I like going out to eat. I don't do it all the time but when I go out to dinner, I want to enjoy myself....splitting meals will make me feel poor not frugal.
@@mallorygraf8574 absolutely valid! You gotta do you! These are just ideas.
Thank you for this list. It's very helpful.
@@geraldinecolvin8662 glad to hear that
My frugal tip is to only buy material products if the thing hits 3 criteria: 1. Is it functional? 2. Is it beautiful? 3. Will I actually use it? If it's beautiful, but not functional, I'll display it but won't use it. If it's functional, but not beautiful, I'll tuck it in a drawer/closet & forget to use it. If it's both functional and beautiful, I still have to vet it and ask myself if I honestly need it. Bc if I don't, it doesn't matter what awesome functionality the salesman pitches to me or how appealing it looks, it's going to end up collecting dust and taking what little valuable space I have. The less stuff I have that I actually need, the less likely I'll need to upgrade to a bigger home with hoarding space.
Another tip: Don't keep up with the Joneses, or compare yourself to anyone for that matter. Have your own personal aesthetic that is unique. You're less likely to be swayed by status symbols or haul videos if things don't meet your personal tastes. I limit my clothing style to soft, flowy, & cozy, so anything restrictive, blingy, or busy-looking won't compell me to buy it. I limit my house appliances to white & copper, which makes it really hard to buy the newest gadget, but leads me to get really excited whenever I find the rare (usually second-hand) appliance in that color scheme! Everything else has to be glass, wood or bamboo. Not only does my house look bright, airy, and natural, but since every new gadget is black or stainless steel, I've saved money bc I've compartmentalized my spending. Even pamper items which are usually pink, are avoided unless I find that shaver or soap dispenser in white or rose gold. It's definitely forced me to ignore brands and shallow advertising, and redirect my shopping to cater to my aesthetic. My baby sister does this with blue and gold. My brother does it with mahogany, green, and bronze/brass. My middle sister who shops anything silver, or neon bright and colorful can't seem to curtail her spending bc that's not a criteria that is limited or rare.
Final tip: Don't get a car. If you live in a city with Uber or Lyft, or the bus/subway, then use it. The amount of money spent on a vehicle, that sits idle in traffic or parked majority of the time, is wasteful. Cars are a depreciating asset and full of maintenance woes. If all you need is transportation, use alternative services. If you need to shop, use delivery services. Avoid the hassle of car insurance, tickets & court fines, and the costs of repairs. I don't understand our obsession with cars. Spend a day in the pedestrian & bike-friendly Netherlands and it'll kill any admiration you ever had for vehicles. The amount of air & noise pollution there is non-existent, and the amount of common courtesy (bc you're forced to be aware of walkers) is exponential. We could learn so much from their urban planning and economic habits.
Not every place has great transportation options like yhe netherlands.
I am a firm believer in thrifting/secondhand. I always search fb marketplace or my favorite thrift stores before making new purchases. My new favorite is my areas local buy nothing group. I gift many items I don’t need and sometimes even come across items I need as well.
Awesome tips! Thanks!
Thank you for the wonderful tips. My tip to add is that if I can't resist the urge to shop I just go ahead and shop I buy a bunch of stuff I put it in the cart and then I walk away I don't actually buy it and when I come back the next day I look at what's in the cart and I think what was I thinking
Do you mean in person or on line.
One thing that has worked well for me, is when I’m shopping and I find something that I really like but wasn’t planning on buying, I put it back and if I remember it at the end of my shopping trip, I’ll get it. If I don’t (which happens 99% of the time,) it means I didn’t really want/need it that badly.
I also did a no- buy January and now I'm doing a no-buy July. It really does foster awareness and saves me money. I plan to make this a tradition in my year.
2 things to add to your extensive list:
a) When I go out somewhere where I'm not intending to spend money, eg gym or walking the dogs, I leave my credit card at home so I'm not tempted to buy anything unplanned.
b) My credit card is set so the full amount I've spent comes off my bank account at the end of every month. That way I can't overspend. If I need to buy something big then either I will use the budget facility and pay it off asap or I will save up till I have the full amount in my account.
I love your videos, Elin! Love from Cape Town, South Africa ❤️
Hi Abigail! Thanks for these great additional tips! (So cool to hear where you're from--I've always wanted to go to Cape Town!)
Great tips-thanks!
This may be extreme for some, but it works for me-I moved from L. A. to a less expensive state. This literally has saved me thousands per month. No more house payment, property tax is 78% lower, car insurance dropped by more than 60%. Cool people, less stress, ahhhh ❤
great video! I think frugality and minimalism go hand in hand. This year I decided to do a "buy nothing new year" rather than a "no buy". Basically I'm attempting to only buy second hand items whenever possible. You wouldnt believe the high quality items I have found at a fraction of the cost! (New subscriber :)
This approach is brilliant! Thanks for sharing!!!
I wish there are lots of second hand shops here in Manila. There are a few influencers selling their old clothes but they are still high-priced.
There is also the buy nothing project. I got a free breadmaker in my area. Definitely worth checking it out!
So cool ! We also decided not to buy anything new since one year and it's working so well for almost anything : items, clothes... Plus we get to meet people directly locally, that's just much better !
Frugality is definitely a mindset and an intentional way of living, it also helps to ask why you want to live/be more frugal and intentional as having a goal or a reason that is meaningful to you can help to not only make better decisions about what and how we're spending and living but look for new ways to reduce our spending and live more minimally too.
Such a good point about finding purpose in it--thanks for sharing!
When I cut out meat in my diet I ended up eating lots of carbs then became insulin resistant 😬 I’ve been following a low carb/Ketogenic diet for the last 5 years and feel much better for it (obviously this diet suits ‘my’ body) I can still take your advice and do a vegetarian keto meal once a week which is a good idea. I also do a 20 hour fast once or twice a week which saves heaps of money and gives your body a break. Your videos are so calming to me. Keep up the great work.
You can also shop meat sales. I shop at Aldi which is pretty inexpensive anyway so I don’t run around shopping sales but a lot of stores have great meat sales that are easy to take advantage of.
I follow 16:8 eating schedule and not having breakfast saves some money, but more than that, in the long run it helps me prevent long term illnesses :)
Your hair looks beautiful. You did a great job with cutting your hair.
aw, thanks!
Love these tips 💕 I almost spent $35 on two dog leashes for our new puppies at target but instead spent $5 total and bought two on marketplace! Feels so good!
Cha-ching!
All of these tips have worked at one point or another in my life. Thank you.
Love the idea of one day of no spend per week! After I finish my no buy year I think I will try this as a sort of “maintenance mode”. Great video!
Good point that it can be a longer-term strategy. (And amazing that you're doing a no-buy year! wow!)
A big way I stay frugal is having a balanced and strict budget with my partner and sticking to the $1000 project. It's really helped me understand having mindful money and only spending when I need to. I'm also a big believer in the second hand market, like appliances and clothes and using low cost longlasting makeup. Great video!
1000 project?
I Attached Aerators to all the sinks/showers in the house. They are small attachments that are fitted at the end of water taps or can be inserted inside the spout. ... The volume of water flowing from the tap gets appreciably reduced as the water stream is diluted with air. I couldn’t even tell a difference in water flow. Helps save water and money.
What a good idea! Thank you!
I stopped coloring my hair and love it. I stopped bc of the cost but love my natural color!
for those who find it hard doing one week scrounge meals. You can dedicate one week usually the end of the month as Pantry Purge, where you cook as many meals as you can using only what you have in the pantry. its much easier to the use odds and ends in larger meal prep dishes.
Yes to finding side hustles that might turn into long-term businesses. We also always try to shop second hand. Loved these tips!
I'm so glad! :)
Aside from shoes and underwear, mens jeans, and sharp tools, everything else is thrifted or second hand. I went back to trimming hair again too. These things really help and allow us to have more time to just relax and spend time quality time at home.
I am planning a miserly May where I buy only food. We put all our small change - 1p, 2p, 5p and 10p (UK) - in a money box and put it through the counting machine at the bank every so often. It goes straight into our account and we have not missed using it. I stopped buying expensive skin products and use just unperfumed soap, Nivea and Vaseline instead. Also stopped impulse buying lipsticks and eye pencils. As you get older less make up looks classier.
We are taking a huge step in remodeling our kitchen. Instead of making it bigger with those huge appliances that all of my neighbors have done....we are going to create an minimalist kitchen with skinny appliances that line up all on one wall. This wall has all of the plumbing and electrical outlets. And we are relocating all of the kitchen cabinets into one place turning them into a built-in hutch/cabinets. Our wall length is 8 feet 6 inches
You have such a beautiful, lovely, peaceful voice.
Sometimes I share a meal, but if not, I ask for a box and separate my meal in half. Bring it home and have it for lunch, or sometimes add rice and vegetables and share with my husband. Try and stretch (reasonably) what you have.
You've a lovely, soothing voice!
Thank you!!
Yes amen to this! Very calming.
It's great I'm hearing your tips on being frugal. From the years I've been practicing spending on minimum budget especially for an item that I need or any groceries. One tip that I practice myself are spend only cash and only withdraw $50 or $100 max. This habit made me more self-conscious of what I want to spend or do I need to spend on the particular item. It helps me to save much more.
We stopped exchanging gifts for the most part (my husband & I) and also extended family. We don't miss it and everybody else just accepted it and it's just now normal. If I just happen to find something that someone might love, I just buy it and give it right away, but no more holiday stress stuff.
I will say when it comes to electronics-if you absolutely either don’t want to or can’t find what you need, go to a store (like Best Buy) and find out if they have the computer you are looking for or one that is similar that is an “opened returned”. The cost is at 50-60% of the original cost. We got a Apple laptop that is originally almost $1200 for $500 that way. It had never been used. Someone had bought it and brought it back. They can’t sell it for new since the box had been opened.
My favorite money saving tip is to use the library for books, magazines, music, movies, etc. If I really love a book (like To Kill a Mockingbird, The Book Thief, A Gentleman in Moscow, or non-fiction like Think Like a Cat, or Cat Mojo), I’ll purchase it at my locally owned bookstore.
Your tip about second hand stores is spot on. I purchased a Stickley end table at my favorite consignment shop for $175 (they’re close to $800 new).
I use to get coffee EVERYDAY! Imagine, that's €3,50 7 days a week, 52 weeks a year. Beside that I was having lunch outside twice a week and also went out for dinner twice a week. For months I haven't go out to eat (everything is closed because of COVID) and I reduced my coffee habit by buying a Nespresso and start putting the coffee-money in a jar. The amount of money I am saving now is CRAZY and AMAZING at the same time. I will have dinner outside soon but way more consciously. Long term thinking instead of short term.
i have curly/wavy hair and learned to do a layered cut on myself for my long/shoulder length hair. during the pandemic, no one could tell the difference! i only got a trim once a year so i’m not that adventurous with my hairstyle but the fact that no one could tell that i cut my hair myself gave me the confidence to just keep on doing it myself!
this is amazing. such helpful, non/hacky tips. love the entire mindset driving these tips. thank you for doing what you do!!
Our eating out tip, we try to order a glass of water instead of tea, coffee or soda. It saves money. We also avoid the appetizers. They can be quite expensive. Because the size of our meals are large so I usually have leftovers for another meal for another day. Thank you for your ideas.
I trim my hair and my daughters. My husband does his own hair and our 3 boys. 🙂 saves time and money 🙂 your hair looks great.
Looks like the only 1 I need to add is #2. However, I am playing around with re-opening my etsy to provide digital patterns. I just have to learn how to translate my hand-drawn patterns to a pdf form.
#8 adding meat back into our diets saved us so much money, plus time/energy. Then again, we're in a location were we can buy meat & produce from local farmers, and those going vegan/vegetarian for financial reasons, etc., tend to be located somewhere where they don't have that privilege (aka, the longer it takes for perishables to get to you, the more you're going to have to pay. I can say I do not miss living in a food desert. Lol).
I just came off of a three month no spend and let me tell you it was eye-opening the only thing I did was I went out to dinner with a girlfriend I had not seen in years but other than that I only bought what I needed or needed to replace and it was amazing
This might sound intense for some people, but building my own budgeting tool from scratch (first in a spreadsheet and later in Notion) was a HUGE game changer for me. In my opinion, having a budget is an absolute necessity, but I found that a lot of budgeting tools fell short for me. Creating my own budget according to my needs and how my brain works allowed me to have the best system for myself. Having my own tool also forces me to be active in my budget (not automated) and allows me to get as detailed as I need to be in order to be successful. I've personally found that the more detailed, the better - I'm less likely to miss a bill that's due or forget that something will be going through my account. I also budget weekly, which allows me to break everything down into more digestible bits, but is also a little more time consuming (for me it's worth it).
Great work at creating a system from scratch! You could even try copyright and marketing it?
My mom floss with sewing thread brushed her teeth twice a day.She traught me how to take care of my teeth.And yook us twice a year to the dentist.Thanks for the tips.
I live in England, and whenever we have a clearout of stuff,we always take things to charity shops,and I like looking in charity shops for clothes for my 7 month old grandson, because children grow so quick,and you can find so many bargains.
Come up with a couple of really cheap meals that you really love, and have them once a week. I love porridge (oatmeal) with cinnamon, it's really cheap. Tortilla de patatas is also very cheap. Both those meals feel like a total treat.
Another tip--that is often discussed - make a grocery list and stick to it. Think about the meals you want to create for the coming week on Saturday or Sunday and buy accordingly. I don't like fussing with food and meal prep, so I decide on the easiest, simplest meals. This simplicity allows me to buy quality versus quantity.
Great tip! Thanks!
I usually check the menu online, before I go out to eat with other people. I save some money, when I decide in advance, what I am gonna order
Right. Know yourself and your goals. Keep a budget.
Such tactical advice, so useful! Especially the secondhand tech-I’ve been using my partners old computer instead of replacing my work one when I left my FT job and it’s allowed me to invest in new software instead. 💪
Still working on cooking at home tho 😅
Awesome! Good point about new software!
Put cash into different envelopes for budgeting and tracking!
I'm so glad you told me that money problems lead to stress. I never would have thought of that. Thank you so much for that insight.
It's nice to be in a comments section where so many people are supportive and kind and there's not a trace of sarcasm.
This information is very good! One thing that I have noticed is that I buy the things I need on Amazon because it's EASY. I will take your advice and start purchasing clothes, kitchen items, etc, at second-hand companies. That's a great idea!
These are great tips for those that actually have money. There is a lot of privilege in this video. When you live paycheck to paycheck, you do not have a choice to not monitor your bank account and track your spending. If you are not doing these things, it means you have the luxury not to have to. Choosing to do a no spend day or week means you had the luxury of having the money to choose not to. close to 12% of the US population lives in poverty. There is also a large population who live just above the poverty line while still being financially stretched so thin that they have no choice but to not spend on guilty pleasures and buy second hand. These are the types of tips given to the poor to try to "help" them to "pick themselves up by the boot straps". If these tips are helpful for you, great, save away. Just remember that frugality is a way of life that many people didn't choose.
Do you have any "poor people" ideas to save cash and jump from poor to not poor? Im just over the "poverty line" and have a paid for car, a paid for useful motorcycle and well into the 6th year of my 15 year mortgage no problemo. Poor dude tip, ride a motorcycle, its cheaper than a car and you cant buy dumb stuff at the mall cause you cant carry it. Its not about privilege, its about not making bonehead decisions with your money
@@joerazakmex88 I'm happy you managed to get a mortgage. The fact that you have one say you aren't as poor as you say are. I can't ride a motorcycle with 2 kids to transport. I drive an older car that is paid for. I dont make "bonehead" decisions with my money. I can't get a mortgage because the bank says my credit score isn't high enough. I only have 1 credit card that I barely use and save for emergencies. I don't buy things I don't need. My biggest splurge is occasionally letting me kids get a burger at their favorite fast food place. I barely have enough to pay the bills each check, and I'm lucky. I at least have enough to pay all the bills. So many people don't even have that. You can't pinch and save when there is nothing to pinch.
For hair maintenance, I like going to the Aveda beauty school. Such good prices and professional experience! It takes a little longer but they always do a great job and the products they use are amazing!
To save on groceries one dinner a week is soup and salad. So it’s not just a plain lettuce type salad, I make chicken salad or shrimp salad to put on top. Another evening I make quiche and muffins. That way we have plenty left for the next morning breakfast too. My husband loves that.
I save a ton of money in the laundry room by not using fabric softener sheets, and making my own detergent. One part OxyClean powder and one part WASHING soda (not baking soda) mixed together. Use one tablespoon per load.
Also, if you have a cat, try equine pine pellets (Tractor Supply…$7/40 lb bag) for litter.
You are GREAT 😊
THANKS
like the outro music, keep it , thanks for the tipps.
There is not better advise than the one you give yourself😼🙏
Good video. Thanks for the tips
I watch videos like these regularly and I often wonder why the presenters' hair is always unkempt
It's refreshing to see a frugal person believing in looking good 😊😊😊
I'm trying to be more frugal and save more money. But at the same time I find that I spend more money on groceries now then what I did before as I like to buy organic and have a variety. Although, I do manage to save up to $1000 each month, by not owning a car, not buying more clothes then I need (buy only when absolutely necessary), I cut my own hair (haven't been to a hairdresser in about 15 years or so), never eat out, never go to the cinema, gym and so forth. I use nature for excitement, for exercise and as therapy. I do have a television but I use UA-cam and movies I already own as entertainment. I sell stuff I don't need (been doing so every week for several years) and I either use the money I get from selling stuff to pay for other stuff I actually Do need or I save it.. I love to save money and hate to spend them. There's probably other things I save money on Not buying or using them on, but these are my basic saving points. I wish that I could live like a monk, not owning furnitures, getting rid of the TV and just have the absolute essentials.. But..I find comfort and safety in owning an apartment, a bed, a wardrobe, couch, small table for my teacup, enough clothes and the small items that makes my life and my days more enjoyable and more comfortable. I am in the middle of deciding whether or not to buy a new couch (using an 15+ years old and worn out mattress these days, which I'm eager to trow away 🙈😅), a new closet for all my linen, clothes (all the textiles are in large plastic bags at the moment) and my stuff and a small table for my teacup. These items are not really essentials for me to live, but they would make it easier and more comfortable. Now, the money I'll have to pay for the items would come to a high amount and that includes using saving money. I do not like the idea, as a frugal person and as someone who likes to own as little as possible. Spending money, even when it's on things like these, I find it's hard to spend money and not saving. I'm saving for future renovation and a future larger/better apartment, But, at the same time I want to live comfortably and have a nice home to recharge in basically, in the mean time. I do not however want to own anything too expensive. I strain to obtain the simplicity in life, as much as possible. It's a daily chore, to find what suits me best and declutter everything else.
Wow what a great video! I just came across your channel and I love it!! I follow most of the tips/ ideas you mentioned:) And I am huge on meal planning and meal prep as it not only saves money and time but I am able to take better care of my health as well. I limit my meat consumption to only couple days a week and incorporate lots of lentils, beans, tofu and other plant based protein into my diet.
I’ve found being a minimalist and continuously having a flow to declutter has helped my desire to shop. My closet is very organized now so I know I don’t need another black shirt, or another shoes. My new rule that helped to was to wait to need to bring something out before bringing something else in.
I tried making my own cleaning products to save money, but they didn't clean well and left a film. I do go to the dollar store to buy cleaning products now and while I was shopping, I found eye liner there. I'm still using it. It works fine. Thank you for your video.
New subbie 😍 I do alot of mindless spending so I am keeping a track on where I spend my money, and how much I spend.
Starts at 3:00 mins in
Oh thanks. I got impatient and just went to the comments to find the list lol 😂
Thank you for sharing this video, have been going through some frugality fatigue recently, watching this has reset my focus to look at my budget and how I intend to manage my resources
Just subscribe a few hours ago & i already love this channel. Keep it up 👆... Regards from Dominican Republic!
Thank you! So cool to hear where you are :)
Great informative video. I never thought I could relax when budgeting. The music is wonderful!
Love your healthy hair
Tablet buy from my daughter and go every time secondhandshops so nice clothes
new subbie, i think meal planning is so effective and under stated and whenever i do it properly I never throw anything out & buy exactly what i need.Great video TFS x
And if you don't feel brave enough to do your own hair: If you have a training salon nearby they not in frequently ask for people their trainees can work on. Often this is at very reduced prices or for free! And in my experience, while it takes them longer as they are in training the result is just as good, as their tutor keeps an eye on them at all times and will check in to see how things are before you leave the salon.
Very well explained!!!
I am aware this video is very old and this comment may never be seen- however! Hearing "I taught violin lessons" and not even a minute the word "sacrilegious" has me happy to see that you are a fellow TwoSet fan.
I cut my hair my self since mid school.. Just because it's one of my way to relief stress, like a healing time for me to cut my hair my self.. And still do it until now, it's been more than 17years.. It's pretty help me to save money in my early time when I'm starting live independent. And since my mom gave me monthly money since i 7 seven years old, so i have habit on writing all my money. It makes me aware of my spending. Thus i can control my money flow better and never forget to have saving.
I like your last tip the best!! Really resonates! Thanks for the reminder!
Awesome.. finally there's a video with honest tips that can be tried out instantly! Thanks
I use dryer lint outside to give to the birds for their nests...
Appreciate the tips! Thank you :) I've tried a couple low-buy months last year and in the past months, I realized that although I didn't formally set a goal of low-buy, I've bought a lot less and been much more intentional with my few purchases.
One thing we do as a family is that we buy takeout at restaurants. That way we save money on the tip, and on the beverages. We don't buy the individual sodas, I make a lemonade or sweet tea at home. As a family of five that saves us around 10 dollars in the beverages plus the 15% tip for the waitress, and we order less dishes to share amongst all instead of one entree per person
Your supposed to tip for take-out too. Most people do not know that. Peace!
@@leem200 I'm sorry but I'm not tipping for takeout!! I literally get down my car, walk into the restaurant pay and pick up my food at the counter, and I still should tip them for doing nothing? Make that make sense 🙃
Wonderful ! Annnnd ... I realllllly like the music you play at the end, too ! Cheers ! Liz
Thank you sweetheart. ❤Have wonderful day too ☀️🕊
Go to 3:00 to get right to the tips. Now take that three minutes of your life you just gained back and go make the world a better place!
Really really great ideas
I have a lot of guilty pleasures and will try to reduce them
Thanks and blessings
YessssHaveBeenIntoSaving!!!👍👍👍
The actual tips start at 2:58 mins.
There is a church next to my apartment that has a hair stylist. She only charges $3. for a haircut. I keep my hair cut short. I only get my bangs cut every two months. I only have to get a full haircut twice a year.
Good video. I have been meaning to try a no-buy month. I have been watching videos on a French lifestyle & a slower way of life. That would tie into being more frugal.
Hello, I just found your channel and I am already loving your style. I love to hear and talk about these topics, so I am excited to see more of your videos. 😊💛
I pressed the ‘send’ button by accident! Anyway greetings from Australia!
haha it happens! Thanks for the comment! And hello from Minnesota! :)
Excellent video - thanks for sharing!
Great content. I just found your channel, new sub is here!
Yay! thank you!
I use the spending tracker. OMG! I just love this app. I'm sure there are others that are great as well.
I highly recommend bundling up your bill payments at the beginning of the month or each pay period.
Get those out of the way! Remember: they are not going away!
Finding ways to create easy cost effective meals.
Buying what you really need.
Avoid any foolish spending.
Get rid of any addictive habits: smoking.
Vaping
excessive drinking and shopping.
It may be enjoyable at the moment, however, it will have long term consequences.
Oh and might as well add having too much sugar and junk food in our diet.
I apologize for getting on a soapbox and spouting off.
However I care about people and hopefully with everyone sharing their ideas we can all grow and reach our full potential.
May the blessings of God be upon all you humans out there!
Peace, Love and Joy!
I LOVE this video!!! ❤️ Thank you SO much 🤗🙏🏻🙏🏻🙏🏻