How to Save Money on a Low Income ⎟PERSONAL FINANCE TIPS⎟How to Save Money Fast
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- Опубліковано 5 жов 2024
- How to save money fast on a low income & personal finance tips // How to save money with a low income or tight budget with these practical tips and suggestions. Some people think it's impossible to save money on a low income.
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I have been on Disability for 8 years now, I learned how to be frugal and to think about any big purchases before making them. I am currently debt free and plan on staying that way.
@lisa pitts, me as well! I have been able to save a lot of money. I am currently working on renovating my kitchen and I am almost debt free. Just working on my mortgage and my vehicle.
Here are a couple of things i do to really save money....
1. I cancelled my gym membership and bought a good set of resistance bands (a one time purchase) and i now work out at home and as for a personal trainer....UA-cam is amazing for that
2. Meal prep and food budget challenges.... i know what i am eating day to day and week to week and i only buy accordingly,including work lunches
3. A well stocked pantry and freezer.....yes it sounds like it goes against what i am saying about number 2 but this one does take time to do,but if you build it up with a few extra cans of food at a time,you will reach a point where you will ony be paying for some fresh ingrediants for your meal preps.I also only buy certain foods a certain supermarkets because of the price
4. Bulk buying....when certain foods are on sale like meat for example,buy as much as you can within reason and stick it in the freezer...also work out which is cheaper to buy per 100g,the supermarkets actually have that on display... eg..i found out it's actually cheaper to buy the store brand rice in 1kg bags than buying a 20kg brand name even when it's on sale
5. Reduce your cable and streaming package with your friends....everybody subscribe to seperate services and everybody go round everyones places and have binge parties...with a bring your own sancks policy....your out of your own place a couple of times a week saving on your energy bill as well
6. Coffee...buy a coffee machine and make it home,supermarkets do seel the coffee pods from all the brands we love including Starbucks and Costa...now see number 4 and bulk buy the hell out of it when it's on sale.
7. Take out...learn to make it at home,the cost of making a pizza at home against ordering one in will shock you...again UA-cam is amazing for this sort of stuff,there are literally thousands of channels dedicated to take out replica,i'm in the UK and i'll probably never have a Shake Shack burger but i now know how to make one and have done which is the next best thing
All of these changes do NOT happen overnight,it takes time....the best advice i can give above everything else is to be patient with yourself
Thank you for sharing these tips!
Could you help me out I heard it’s hard to actually cancel gym memberships. Do I have to pay off what I owe first or can I just cancel. Would you like to offer me some advice on how to cancel my gym memberships
@@Purppusay First off find out if you have any fixed contract time,if you are inside of that time then you will have a settlement fee...if not then you can just cancel.You should have some sort of booklet or email covering this,or even just a sign up copy stating when your membership started.
Your bank is also great for this because they can pull up all your history of gym payments for free and they can tell you exactly when you started making payments and how many...you will need to go into your gym though to sign some paperwork stating that you are cancelling your membership but honestly that's nothing to be concerned about,people start and leave gyms every day and remember you are the customer,they have to abide by your wishes to cancel....Good luck with this
@@patrickadams7120 thank you sooooooo much!!!!! I want out of the gym I been doing at home workouts on UA-cam
It s a mindset issue, more than a money issue, although very low incomes have it a lot harder
Ordering my groceries online has saved me so much money. When I actually see the total before I buy, I spend less...more than enough savings to cover the delivery fee.
Me too
Yes! Being able to see the total before checkout is a huge budget saver. Thank you for watching!
Also it removes a lot of temptations
I'm curious what you did before you bought groceries online? Cause on my end my calculator is ready when I go to the supermarket 😂 i calculate everything when i pick up something off the shelf so I dont get cashier shock when I check out.
@@the.annethology Good one!👍:-)
Food is definitely a budget killer. I literally went over budget today. Great tips, enjoy how realistic they are.
Cash in the envelope or jars really works. That’s why cashless society will lead people to be more in debts. I rarely use my debit card. .Always pay yourself 10% of what you earn first and than divide your salary. Thank you for the wonderful tips on how to save money.
Eating less meat really helps. Many soups, spaghetti etc is just fine with less meat
Lentil soup 🍜 rice 🍚 and beans
Learning what brings out the umamiflavour helps to, gives the little bit of meat more punch.
Yes! I'm vegan so I'll buy the Barilla protein pasta, so it's still filling.
Very true
It is healthier for you too!! 🙌🙌🙌
4/3/21....As a single retired lady living on social security I make large meals & divide them into single servings + freeze leftovers for later. I save TIME + 💰 doing this ➕ only clean up the kitchen 1 time for multiple meals!
I also read the store ads & buy the "specials" esp store brands + Buy 1, Get 1 FREE for basic items I eat.
AND I buy fresh fruits & vegs in season when cheaper.
Do you have a Dutch Oven, they are great, and I bought my first one, on sale, at Tuesday Morning. I recently cooked 12 portions of Chicken marsala and froze them for later use.
For the people who dont live at their mama's house and on a low income
1) try to save 20% of your monthly income...in a year it add up
2) invest in stocks...Money will work for you...Again it adds up
3) Stop buying unecessary items ( clothes, shoes and buy store brand makeup... shampoos ....) you might save over 500$ or more
4) spend less in groceries...Buy less meat...Not saying being vegetarian but buy less meat...Meat is expensive...Cut back on snacks
5) Quite smoking, stop drinking alcohol and stop smoking weed
6) have an emergency fund
7) Learn to do your own hair and nails
8)Make sure you pay your bills each month...You miss a payment debt and money problems will accumulate
9) Dont buy the latest phone
10) cut the cable
11) stop eating out...Learn to cook
Great tips
know what the cost of food is typically and shop the restaurant supply stores..I have found 80% lean hamburger @ $1.66 per lb. (bought 60 lbs...) boneless skinless chicken thigh @ 74 cents lb (40 lb boxes)..Granted ..I had to re-package for meal portions but I saved huge on those two purchases alone
I have a low income, what has really helped me in this Covid time is really sitting down and calculating your monthly expenses. See where your money is going and cut back on non essential spending. Also housing. I recommend staying with a relative temporarily, or renting a room. You do not need a fancy apartment.
Great tips! Thanks
I never thought about saving that 5th check🤦🏾♀️ I just spend it. God Bless you for putting this information out!
Glad it was helpful!
Are u a Woman?
EXACTLY she said that and I had to close my mouth after a few seconds. Like Whaaattt??? Implementing this from this day forward. The next 5 week month is January. Oh it's on now 😂😂
@@alexislane7175 yes yes!!!
I swear, that extra check trick all put toward debt jettisoned me out of the shackles of owing on credit cards and into financial safety. Add to that overtime and your tax return, and suddenly you move past what you thought was an insurmountable number!
One of things I do now is if I’m cooking a meal which can be frozen I will sometimes cook double, one to eat and one to freeze. This really helps for those days your perhaps feeling a little ill, I have a few back up meals in the freezer. Also with meal planning also check what you already have before shopping. This evening we had a fish pie with made with random bits of fish I already had in the freezer, already had some potatoes and peas so free meal.
That's an excellent idea! Thank you for sharing.
Great idea❤
I love all of the tips but I wish someone would have realistic ones for single parents who don't make over $60k/yr. You can't squeeze blood from a turnip.
Moms and Money is a good channel🖤
@@itsjustme_neyab thanks I'll check it out!!
Girl you can start your own channel and talk about this!!.. We need more single mom channels..I'm starting mine soon
@@momof4634 I ❤ this!! You are right!! Remember me oce you get up and running!!! I'll sub
Look at “Living on a Dime,” they have all sorts of videos on living frugally!
Word of caution to those considering refinancing your home: this can start the clock over on the amortization of your loan. This means you pay a lower amount monthly, but the majority of the payment goes towards interest and not the principal of the loan. Read the fine print! It is likely to be too good to be true.
Very true. It is better to pay higher payments on the mortgage loan than to refinance. I thought about refinancing but decided not to. Lower monthly payments with a lower interest but it would mean starting over.
@@noikho6397Thought about it too but decided not to start over. It would have ADDED $5k to my mortgage for only $100 a month difference. Nope
When I started my debt free journey, I started cutting back on basic expenses first. Overall I saved $1,000 per month, with the largest savings being in rent and medical insurance.
When I prepare a meal I always look at what I’m preparing, and what I could make for another meal with leftovers. Helps me with being reasonable with portions as well.
would help reduce wastage also!
These are very helpful tips! Planning all things really allows me to budget. I’d like to mention many people are not living with the appropriate cost of living, living wage measurement. Some people really are making enough to just pay for necessities. I think we have to really discuss how to maximize your income in addition to saving because it is hard to save what you absolutely do not have
I save the change from purchases made with cash. If I save through clearance purchases, discounts , using coupons and the difference goes into my Emergency Fund
Great idea there about the discounts you get save it. Got to try that. Thanks for sharing.
The GF and I shop the stores on seniors day to get that 10% discount.. Not a senior?? Take granny she will love the free trip and the social experience.. Getting back to ourselves though.. we split the discount and put the savings into an "appliance fund"
Thanks for this info. Another massive money saver is paying mortgage bi-weekly. That equals one extra payment per year. One a 30 year mortgage that generally eliminates 6 years of mortgage payments for every year you make that extra payment. Saves THOUSANDS in interest. Even one extra principle payment early on in the life of the mortgage can save thousands over the course of the mortgage. Not every one can make a lump sum big addition to the principle once, but every one can pay bi-weekly. That's another way of using the extra paychecks that come through the year. There's still some left over for savings, too.
Excellent practical advice! I love the savings challenges that you talked about. I started the one dollar challenge a few weeks ago. It's a smart way to save money without feeling too deprived.
I just love how you go straight to the point! Your content is quality and that makes me automatically like every video of yours I watch without feeling cajoled. 👍
Can you do a video dedicated to budgeting or spending less on food?
She has one of those videos ☝️ here check her videos list it’s a great one.
I watched this UA-cam video where this young lady shared how she paid off over $200K debt in about 2-5 years. She spent $100 per month on groceries mostly not eating meat. I was amazed by her accomplishments 😨
@@ajohonly3721 Thanks...I didn't scroll videos before asking question lol Happy Saving 🙌
@@dwandnewton it’s easier to achieve this when you have two incomes.
@@lmiller6675 I agree w/u unfortunately that's not my story lol
I’m doing
NO Spend November 2020 💰
Challenge
Enjoy this channel. Building a treat into you budget is always good it gives you a choice once a week to spend on anything, instead of keeping to the routine. Great tips. Once it becomes a habit it gets easier.
Yes! Thank you!
Love this channel so much! I am actually doing pretty well on saving, so some topics aren’t relevant but I watch anyway because it keeps me motivated with really practical advice and examples. Thank you!!!
That’s why l keep watching channels like this and because l like reading the comment section!
I’m retired and live on social security which is paid monthly. Living debt free is essential. Budgeting effectively for food is essential. Meal planning, buying less meat, cooking more vegetarian recipes and portion control are very helpful. The cash envelope system does work especially for managing my food budget. Love your channel.
Yes, the envelop system is such an effective method for keeping variable expenses on track. Thanks for sharing!
Don't shop when ur tired too. U will buy every easy thing even if it costs more
So true, thanks!
I have $957 a month to cover all my expenses, both fixed and variable. That is living below the poverty level. I live in Vancouver, WA and rents just keep on going up at least $25 a month, for the last 5 or 6 years now. And now food and utilities are just going up more and more. I do not have a car, so I use public transportation. Honestly, I can’t really think of any way to save much money. You have to have money to save money.
My check is $857.00. I save on grogerys by eating soup, spaggette, beans, and stir frys as main meals, and only eat one time a day. I save on clothes by buying second hand. I save on electric by using a small electric heater in day time...helps my 220 air from coming on...close off doors. I save on water by turning shower head on low stream. Good Luck to you.
I know lots of people who are broke who have expensive phones and phone services. I have had a trac phone for years and the cost is low. I now have a ROKU and cut the cable bill by $100 a month.
I don't have a mortgage payment so what I would spend on rent per say, I put into a savings account
I Just started doing this 2 years Ago.It have saved my Life😂😂😂😂.
One of my best investments was the purchase of a Dutch oven, where I cook large amounts of chili, chicken marsala or other dishes, and freeze them for later use
Great tip!
Thank you for your simple explanations. I am putting this video into a playlist to share with my clients. I teach Life Skills and your video include lots of helpful tips and facts.
It's all about savings habits. Just because you earn a substantial amount of money ..... really don't mean anything if you have no self control
Coupon on food and toiletries use rebate apps. Save income tax return if possible. Learn a skill and or create or another stream of income.
I’m going to try a no spend money for 7 days. Idk I feel nervous even thinking about attempting it.
what are you buying every other day? 7 days shouldn't be too hard. stock up?
@@Nikita-oi8cf
It just seems like I spend here and there and it adds up. I need make a list and get all I need when I go shopping. Instead of going shopping every time we need or want something. Mid week groceries, gas up the car, eating out just cause etc... That’s when all the so called small spending adds up for me.
Good luck! And if you fail: write down what happend and make a strategy for next try!
I shop every other week to include food and house hold items (I go by a shopping budget and take a list). Because I want to TACKLE my debt like a NFL linebacker I put a ban on shopping for clothes, going out, and travel for 2 years. The pandemic although sad because people are losing their lives it has helped me because I'm home more which eliminates the need for clothes to go out and won't go near a plane to travel ✋ Nope can't do it!
@@sarahthomas3562 I will look up this book. Thanks for the suggestion! Any tips on how to be consistent with managing debt? Sadly that is a huge problem for myself and many others I am sure.
I only figured out the 5th pay check thing this year it's all going into paying off dept and savings now!
As someone that gets paid every two weeks, we might get 2 of the 5th pay check in a month for a year. But it is a good idea to save it! I usually use it for getting forward on Bill's since I know my tougher months that come up.
Those extra paychecks are always fun! Fun to save! 😃😁
Had to click Like before even watching ☺️
Thank you!
😃😃
SAAAAME!! :)
Love your channel, I make 30,000 a year gross pay. I support myself and my teenage son and two dogs. I’m trying to save but having a hard time with the needs of the Internet from my son school Insurance for the cars etc. I’m not sure if you’ve done a video on budgeting with a family or budgeting as a single person with a child? But I could use a little help with that. Keep up the good work I really love your channel
Thanks for the suggestion, I'll have to look into some ideas and share!
Pay yourself first.. I did when I finally started getting disability..I put $125.00 into a monthly "nut" that went into a CD Ladder (yes you can find institutions that will let you open a CD for as little as $100.00)..eventually the ladder grew to 60 steps (yes 60 steps)..The CD earnings was quite a bit more than typical savings.. in fact it was more than High Yield and Money Market..Plus I had the monthly or quarterly interest payments paid directly towards my savings..And yes I lost the benefits of compounding.. but only for the time that the money stayed in savings or until it was re-invested making it easier to make my monthly "nut"
The best way to save money -don't spend))). Spend only on crucial things. Personally I spend a lot on coffee, yummy food, entertainment, this is my problem. I realized that if I'd cut those things out from my life 😂 I would be saving a lot
Take a critical look at your insurances and how you pay these insurances. Many people keep the same companies year in, year out, but things can change. The services offered get lower (in minor details) and the invoices get higher. Another thing is trying to pay insurances like home insurances and legal aid and such insurances not on a montly base but for a year ahead. Companies may give nice offers. The tricky bit is that the next year, you don't have to pay the invoices for these insurances, but you need to put that money on a savingsaccount, for next years insurance bill. The money saved over the year is not "free fun money" or suited for investments. It asks a little discipline or an automatic order to your bank.
Augh, you are absolutely gorgeous! I always enjoy your aesthetic and how you get ready. You explain things so well and give such great examples, I really appreciate you sharing your experiences. Broken Wallet stays one of my favorite financial channels!
Thank you! I appreciate the compliment! 😀
you can make a million dollars but if you spend one million and one dollars, then you are broke. It's not what you have it's how you use it. People who make allot of money buy bigger, so their debts are larger.
I agree with everything except refinancing mortgages... refinance keeps you paying high amortization interest regardless to the loan Interest rate... never refinance... pay the balance down quickly!!! It’s saves you in the end... we are trying velocity banking...
I can't speak for outside of Canada, but here a mortgage can ge refinanced and leave the amortization the same. If you are adding to the balance, it will increase your payment but it will save you on other interest costs in today's rate environment.
Love your blouse.
Thank you!
I get paid monthly. I feel like I'm getting scammed on my 5th week pay checks
That color looks really good on you.
Thank you!
Great video. Can you do a video about stocks. There are companies that help you buy small portions of stock in companies you normally may not be able to buy.
Yes I can. I plan on having an upcoming video on investing in stocks for beginners. Thanks!
@@thebrokenwallet yeeeeeesssss will be patiently waiting for it.
IF you budget figuring just 2 paychecks a month $$ x 24 checks, the 3 "extra" checks in a year can be used to save or pay off debt BUT if you budget using your yearly pay you won't have those extra paychecks as they are spoken for in the budget.
There's only two months with a fifth week. People who are paid every other week get 26 paychecks a year.
I used to run a weekly payroll, 4-5 "extra" payments over the year is correct. 12 x 4 = 48. 52 weeks in a year, so that's 4 additional payments if you always use a 4 week month budget. The 5th payment very rarely happens when you get paid on the first day of the year, as you'd get paid 53 times due to how the days fall. A 53 week payroll year is actually an accounting nightmare as it affects the taxes paid, was glad it didn't happen often!
OK, what do you do to save on a low income when you’re already doing all of this? And don’t talk about ANOTHER income, I’ve got nothing left of myself to give to ANOTHER job.
Unfortunately, getting another income source is likely the next step. However, instead of getting a part-time job, it might be easier to look into passive income sources. This way, you don't have to go to a physical job and you can possibly earn money in your sleep. There's some ground work, but it's also an opportunity to continue to make money after completing the work.
@Pamela Groves check out Mark Wills YT channel. He talks about becoming a loan signing agent/ mobile notary signing agent and you can make $75-$200 hour. There's a few YT channels that talk about this but I hear his name the MOST.
Great tips as always, Ms Vee.
Thanks so much!
NS here! Great advice and help!!! I'm trying to pay off old debt.
I take my lil money out the bank that I plan to save....Drop it in a saving pan that I can’t open at all until I reach a goal to destroy the pan.... take it out them fixed deposit 😂
One more tip: do not buy iPhone 12 now, wait for iPhone 13. You won't regret.
Then 14....
@@shylaazeez4233 thank you😆
As stated earlier the 5th check theory is a great idea!!!! Thanks and God Bless!!!!!
Lovely 😊 video thanks 🙏 dear 🥰🥰🥰🥰👌🏼👌🏼👌🏼👌🏼
From a low income country i take less than 300dollars salary but am able to save 200dollars every month by cooking daily. Buy groceries every 3 month. Looking for any high earn investment to invest in. I live in my office compound so no rent or transportation
Subscribed! I like the jump right on approach! So sick of all these chicks talking and squabbling on "welcome to my channel..." Keep singing this from the mountain! More people, especially women need to hear this. 👏🏽👏🏽
Thanks for the sub! 😀
Food!! My nemesis
😂I understand!
l love your hair! suits ya
Thank you!
Hello from Ireland ☘️☘️☘️
Me too 😁😁😁
Hello! Thank you for watching!
@@thebrokenwallet Thank you for such helpful and important education!.
Car payments ughhh can't wait to be done paying off my truck.definitely my biggest expense
Thank you
Thank you!
What if you can’t even stay on top of your bills anymore??? Can’t even save because I keep trying to play catchup.... covid really messed up my plans
Convenience can be a lifesaver at times
I suck at budgeting. So I set aside my tithes and $1,000 for savings at every paycheck. All other items that appear afterwards get shuffled around with what's leftover.
- Mortgage
-car note
-car ins
-fpl, Internet, water, Netflix
-food (lol) - but Why it's last on my list though? 😂😂
Meemz 😂
Im new to your channel and I love it. Your absolutely beautiful and smart.
Thank you so much!!
Thank you ❤
Another great video! Fantastic!
Glad you enjoyed it! Thanks!
Very great tips. I couldn't help observing the nice shirt. Do you mind sharing where you bought it?
Thank you. I believe I got it from Express a few years ago.
If you cannot even save with little money you have then when you make more money you’ll never know how to save. Lol
Yep
Some folks will find a part time job! An extra dollars a month will come in handy!
New subscriber!!! Thank you for sharing this .
Thanks for subbing!
Don't use credit cards because when people use cash they spend less
Please make a list in the description. Thanks
What camera are you using? The quality is super clear!
Hi, it's a Sony a4700 (I believe).
Please turn on the captions. Thanks!
Always good advice.
Thank you!
Thanks for sharing.
Thanks for watching!
Thx for the tips.
You bet!
Thanks the info will help alot
You're welcome!
THANK YOU!!!!
You're welcome!
Thank you so much for this video. Full of great information and straight to the point. I'm definitely building my podcast income stream called "Simply Nickie Podcast" that I started in April 2021 that is on all podcasting platforms. It has skyrocketed since April of 2021 and I just want to expand my podcasting brand and listeners in 2022 and beyond.
I wish someone would do a video for a more realistic budget for a person like me I only make 12.50 an hour I’m over 60 grand in debt I don’t even see a way out for real and I pick up all hours extra at work I get paid the 15th and the last of the month.
Watch: “Struggle Meals” which shows you how to cook at home when you have next to nothing in your refrigerator. Also, “Living on a Dime.” They are always talking about ways to survive on a low income. “Prepper Princess” also has old videos on how she would cut costs when she was living on a low income! Good luck!
@@cherylT321 will definitely go check this out thank you soooo much!!!
@@Purppusay 🙂
Unfortunately right now 100% of my income is going to needs but eventually I’ll be in a spot where I can put 20% in savings or any percentage into savings
You are the best thank you for those tips !❤ Michal
great coverage !
ive never tried the envelope system. i just put a certain amount in my cheque account and use my card. however, when i run out of that, i use my credit card, so the system doesn't really work. maybe i should try it, for a couple months. i need to not overspend
Do not spend more than you make is how I save money.
Hi V
Your tip to negotiate as tour guide im using. When I book for my clients. I go to the manager of the accom hotel, or b & b i ask. Will uou give me % if I bring you clients? Half they say yes 10% just yesterday I earn very good % thank you soooo much
That's excellent!! Yes, I find that being friendly and asking can often result in many discounts. Thank you for sharing!
I would also spend "after" you pay yourself (in terms of investment/retirement). Why is this important? On the most basic level, if you don't save, especially for retirement, you don't get those years back. I started saving right after school, in the early '80s. And, remember, if I hadn't, I wouldn't get 1982, 83, 84,,,,, back.
She said cut $20-$25 from grocery but that is my grocery
My debt-free journey was a very bumpy road. It was not until I learned how to handle money, God's way (Copeland Financial Ministries) that I found financial peace.🙏 Awesome information here though, and you have a Great speaking voice.👍:-)
That sounds good but what about the people who are homeless like myself?
Thank youuuuuuuuuu ❤❤❤❤❤❤
Very informative. 💘 the 📹.
These were really good tips thanks for sharing
You are so welcome!