9 EASY Frugal Living Tips Anyone Can Do [December Report]
Вставка
- Опубліковано 26 вер 2024
- Every month, I show you in real time exactly how I practice frugal living and save money. Today, I'm talking about how I saved in the most difficult savings month of all- December!
Frugal living is one of the key strategies we've used to pay off all our non-mortgage debt, keep me at home with the kids, and even save for a rainy day. Feel free to check out the whole "How I saved this month" playlist for more ideas!
• 9 Ways I Saved Money i...
Vegan Baked beans recipe (my own…if you want to add bacon or any other meats, it will Jack up the flavor a ton, too ):
1lb small white beans, dry
1 med onion, diced
1/3 c molasses
1/2 c brown sugar
5tsp mustard
2 tbsp apple cider vinegar
5 c water
Salt & pepper to taste
1. Rinse and pick through dry beans. Soak in large part of water for 10 hours or overnight.
2. All ingredients in slow cooker and beans, drained away from their soaking water.
3. Cook on low low for 12 hours, check for doneness at 10 hours .
//CONNECT:
My website: homegrownhilla...
Facebook: / thehomegrownhillary
Email: hillary@homegrownhillary.com
Snail-Mail: P.O. Box 966, Sanford, ME, 04073
//DISCLOSURE:
Homegrown Hillary a participant in the Amazon Services LLC Associates Program. As an Amazon Associate, I earn from qualifying purchases. I also participate in affiliate programs with Skimlinks. I'm compensated for referring traffic and business to these companies. See my disclosure policy for details: homegrownhilla...
The information contained on this channel and my associated website are for educational and informational purposes only. I am not a tax professional nor a financial advisor. The information I provide is not a substitute for financial advice from a professional who is aware of the facts and circumstances of your individual situation. In fact, I expressly recommend that you seek advice from a professional. Homegrown Hillary shall not be held liable or responsible for any errors or omissions on this channel or its associated website, or for any damage you may suffer as a result of failing to seek competent financial advice from a professional who is familiar with your situation.
#frugalliving #savemoney
I decided to start soaking some beans while listening to your video.
You are the BEST frugal UA-camr i have seen! Love your energy!
I agree. I've been frugal my whole life (I'm 59). Usually when I watch the frugal videos I never find out anything that I haven't already been doing for years. Hillary actually teaches me something I didn't know sometimes, and that's saying something!
That’s how most people look at saving money, but to me, savings is when you actually save the money into a savings account
Do both, double win. 🙂
Well if I already had $6 that I could spend on anything, and I didn't buy something with it, so it stayed in the bank, does that not count as saving money? Just trying to better understand your logic.
Because to me, taking money that wasn't currently in the bank and then putting it in the bank sounds like you would have been *making* money, no?
I’m a ups store manager and I have a money saving tip on shipping if you have a 8x8x8in box and under ship it at the post office they have cheaper rates for small and flatter packages like bubble mailers, ups has cheaper rates for larger and heavier packages.
To add to that always save your boxes, packing materials, poly bags that you would otherwise throw in your recycling. if you don’t want ups to do the pack and ship guarantee for you and you choose to pack something yourself you’ll save between $5-$40 (depending on what you need for shipping) on shipping materials the cost for boxes and packing materials are just going up so save anything you get.
I save up to $25 for each book I borrow from the library. And I read A LOT! I’ve actually purchased four books this year, all books I love and will definitely read again, and got from my local independent book store (yes, more $, but I’m supporting my community, as the money stays local).
Another great way to save a bunch of money is to contact a local insurance broker and have them give you quotes on car and home insurance bundles. I saved 55% and got MUCH better coverage.
FYI, many people don’t realize this but if you receive damage due to a named snow or rain storm you might have to pay a percentage of the loss in addition to the deductible. It was in tiny print not just small print in my policy, I called agent and he said I was the first person to call questioning it when the change was made. He said people rarely read the the change notices. 🤦♀️ We had to start a new sinking fund. Anyway, worth checking if this affects your area of the country.
And, if you have a poor credit score and want to fix insured damage your self, they can make you pay and then reimburse you. Just sharing not commenting on your credit. Happened to a friend.
It's like you already read my script for January's "How I saved money this month" video 😂 We did this strategy over a year ago and yes, saved 50%. Now I gotta see if anyone can do better one year later!
We do the same thing for Christmas. It’s definitely less stressful saving on a month to month for Christmas than trying to figure out how are we going to pay for it last minute. I wish we would have started doing that earlier.
You're so much fun to watch! I love your energy :)
Aww, thank you! 😊
Excellent savings! 🎉🎉🎉. Congratulations on learning to cook baked beans!
Though this is personal, I wish I had switched to a menstruation cup and washable pads. If I had done this starting a 13, I could probably retire, lol. Ok, not really but I would have saved a lot over those 30 yrs. And cut the hassle of buying and looking for sales. And the cups hadn’t been invented either. But you have time and if you have girls, they can start with the pads and move on later to the cups.
Another tip: put it on your calendar to contact your internet company, again, in 5.5 months. When you call them (before they jack up your $40 to $100) tell them that you know you are set for your "introductory offer of $40 to expire" but .....and then add your competitor comment about the $40 and add that its for life. Cuz, honestly, most of them are doing $40 for life now for internet. Ive been on the $40 plan for about 4 years now and its ongoing. And we have a binder with zipper plastic envelopes in it that we save for Christmas, vacation spending money etc. We call it our "Want & wishes" book. The categories change as our "wishes and wants" are met. Right now we have an envelope which is revolving for Entertainment, shopping/thrifting (this is our clothes/shoes fund too), casino trips and summer or winter vacation spending money. Then, we have envelopes for specific, personal wishes/wants like a new to us car, a new to us camper, new carpet for our house. When we get back from vacation, in March, we are adding envelopes for a new pots & pans set and my hubby wants one for a new golf club. We fund it with "extra money" from overtime, selling things, our rebate apps, and saving on our budgeted monthly groceries, toiletries, household, eating out etc. Its amazing how quickly our wishes are granted this way, just by putting $10 into our envelopes every pay day. I try to keep it to 2-3 envelopes at any given time for personal wants, in addition to the 4 revolving ones. Otherwise, it takes too long to fund the wants. And I use my no buy group ALL.THE. TIME! Which is why we currently have $500 in our shopping envelope! haha I havent had to use it in months.
INTERESTING. I'm definitely going to try that. $40 for life would be sweet!
Hi Hillary! I love this video, and the idea of keeping a record of how much you've saved with your efforts! I sometimes end up feeling like the things I saved didn't make a difference, but this is a concrete way of being able to see the difference you've made each month! Loving your videos, thank you! Belle. 🤩x
You're so welcome, Belle :)
Great ideas! Amazing how much you can save by reducing those monthly fixed expenses. Thanks! Love your energy too!🙂
I am so so 🥳🎉 happy for you and your wonderful family that you've saved money 💰.
I must say I'm learning to keep up with your high speed talking.
Sometimes I've gotta replay your clip to catch what I missed.😂
I'm sorry but I'm not all that frugal .
I don't think we buy all that much at the store anyway.
There are items I rather have than a generic brand.
I gotta have original ranch dressing and so does my youngest granddaughter.
Or maybe she says she does just cause pawpaw does. LoL 😆
Wonderful episode 😀 ma'am.
I enjoy watching and you've got tons of excellent information.
Keep up your hard work.
Thank You !!
You can slow down the video by clicking the settings wheel
I haven't even started watching and I'm excited for your energy and advice!
🎉🎉🎉
I do track savings the way used. But I also track the real case I actually saved (reduced items or special offers) and I put that into my savings account out of my budget.
You are too cute and funny. Way to go on not getting the game. Our local buy nothing group is rather small, we live in rural America and there are just not many items listed and anything I would like seems to always be gone but I would definitely use it. This year I started specific Sinking Funds.
Must be nice to be a person with worth and value and to make a difference in your world.
You are blessed.
I firmly believe everyone's got worth and value and the ability to make a difference, even if only for one person.
Hilary you have improved so much! This video shows your growth so much! I’m getting there myself! You’re my guide thank you !
Hillary ***
Oh thank you so much! If you have a second, what do you notice is getting better?? It's sometimes hard to tell specifics when I'm "in the trenches" lol :)
Hi Hillary! So glad the ukulele was such a hit! Yes! I love your videos and I've been saving money here and there, I guess practice makes perfect :) THANK YOU! I always look forward to your next video! :)
YES! And she even brought it in for show and tell last week to entertain the class :) :)
Have used your spiral ham tip for several years. It save so much money & testes so much better than lunch meat. Great video!! Well done!! 😁👍🏼
Are you doing the Three Rivers Pantry challenge? I am trying it! And Frugal Money Savers low spend January lol
I should be insane by next week😂
Not officially, by either of those rules! (But I definitely am eating mostly from my pantry this month.)
But I am doing my own challenge I’ll talk about in a video the beginning of next month were I try to find a new way to save every day for the month of Jan. It’s so fun how many different savings challenges there are!
Spiral ham for the win! We roasted ours with potatoes under and they came out SOO yummy.
Recently found your channel and love all the tips.is there a video about how to be more frugal with house bills like utilities?
Want to combine two of those? Put that ham bone in your crockpot with the beans next time. Mmmmmmmm.
You are lucky to have internet options. We literally live in a rural area that has one option! Grrrr
We are! Competition just came in a year ago!
I use buy nothing. I do love giving but I feel bad sometimes getting. I have gone to a trailer park a couple of times to pick up and that makes me feel like a turd.
Yeah, that can be hard. The way I rationalize it is remembering that everyone likes to feel good by being kind and giving things away, and that's not only limited to "well off" people, and everyone has something of value to offer. Even if it's just a cup of laundry detergent!
Thank you so much for the tips✨ great video!
You're so welcome!
My sinking fund list is: Car, Dogs, House project(improving something-this year it will be putting a stone veneer on the garage), Lawn, Xmas, Property Tax. I have this money in a separate bank so I can’t just transfer it to my usual account.
The separate bank trick is a good one!
What is a buy nothing group? I’m interested 😀
Here in California, nothing is cheap 😕
Local Facebook groups where people give away (and ask for) free items.
I saved myself a bunch of money, as we just found out my husband is gluten intolerant, and man is that food expensive. So I buy gluten free oats in bulk which saved me £8.89 each month, on top of that I started baking his treats myself which only costs me £1.50 to make which would have been the equivalent of £7.00 worth. ❤ savings ❤
Yes! I had to eat gluten-free for a six month period once, and yikes on bikes could that gluten-free bread/pasta/etc destroy a food budget.
I hope you saved the bones for beans etc
Did I not mention that? It was in my script to say! Maybe I got excited and rambled too quickly :P We definitely did, though!
Does anyone know which would be cheaper…cooking the beans in the crock pot or your oven…just curious since I have seen that a crock pot is pretty high up on the appliance usage chart…
Under the Median covered this! ua-cam.com/video/88MNpmlETY0/v-deo.htmlsi=7yuLsmDXrcTr8eCe
If you’re on Words with Friends 2 find me Ta D with a picture of a small brown dog. I’m ruthless but don’t cheat 😅.
Oh man, I haven't played word with friends since it was on Facebook like a decade ago! That was such a good game!
@@Homegrown_Hillary Darn! When you were mentioning games I was hopeful.
Did I miss the link on how to make the baked beans????
Ah fiddlesticks! Totally forgot when I realized I actually didn’t use a written recipe but wrote my own. I’ll have it up in a few mins. 😊
@@Homegrown_Hillary Thanks for the recipe!!
Which website was it that didn't save you on shipping lol?
I'm still gonna do some more research before I name drop haha. So many people seem to think it saves them money, so I want to do some comparisons a few more times before I call them out :P
❤🇨🇦
I love your videos ❤ and that you don't care about dust on the left side of your furniture in the background that is in every video. I mean it. So cool.
I keep re-reading this comment and can't decide if it's genuine or not, but I'll just respond like it was 😂 Yup! I'd never be able to publish a video if I had to get the house (or even just the background) to pass the white-glove test!
At the end of the day I want to see smiles on my kids’ faces, know they have full bellies and a cozy warm place to sleep, to see trust and love in my partner’s eyes and have what I need to do it all again tomorrow. Dust on the shelves doesn’t even enter my mind. We make choices about where to put our love and energy. I have to believe you have better places to put your attention and energy than other people’s dust. I challenge you to now do an act of kindness for someone not expecting it to balance out what you have contributed here. We’d love to hear what act of kindness you picked and how it went!
I mean it exactly how I said it. I see the dust but don't care. You do that too. And that makes your videos so true and real and precious 💕
Thank yoy gor your frugal tips frugal trucks 🚚 🛻. Happy New year sweetie 😘 ❤❤❤❤🎉🎉🎉🎉