What do I think of the cost of living increases.
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- Опубліковано 12 вер 2024
- Prices of just about everything are going up all over the world. Someone asked me how I am going to cope with this. I can't give financial advice, all I can do is talk about how I deal with it. Money saving is down to the individual, people have to make their own choices about what is important to them. I can't say what you need to do. Martin Lewis at Money Saving Expert would be a good place to get some tips.
Keep a diary of every penny you spend and what you spent it on. Then work out if you actually needed the things you bought. That would be a good start.
People have mentioned Mayze snoring. Yes she does. She sneezes as well. We have been to the vet today, she has had an antibiotic jab which should clear her sniffly nose.
Bless her hope she feels better.
I hope she feels better soon 🙏🏻
my cats snore all the time, i thought it was adorable 😅
Vet fees are astronomical and pet insurance not much better. They've got us by the short and curlies. Superscrimp we must.
@@mrsc3120 True. People need to think about that before they take on a sweet kitten or a cuddly puppy. Ten or twenty years of vet fees can mount up to a few thousand pounds, and more. A friend's dog needed an operation. Luckily it worked and the dog recovered, but it cost her £4,000. My Heidi cat needed vet check ups and treatment over a few years. I didn't add up how much that was. It had to be paid. Pets should be a priority when working out a budget.
I love a second hand bargain and I love using up forgotten leftovers from the back of the freezer. When my daughter shows me something she’s bought for 20% off I remind her she could have saved 100% if she’d not bought it at all.
What I do is make homemade soups I cooked three veg mash then put them into a dish and then cook a few spods and mash them put that over the veg and sprinkle cheese over it and put it into the oven yum yum. I buy clothes from the secondhand shop I going to start making clothes again I have a second-hand sewing machine I have never been into fashion it's no big deal . I love my own company I am living alone, with no family we all got to look after ourselves. Love your video.
Some great tips there, thank you.
Scrap the cheese and add nutritional yeast - about a teaspoon or two - saves money on the cheese
Great recipe!!
Great idea. Take care 🌻
Those of us who have learned to live frugally, being taught by parents who survived and thrived through two world wars in the UK, have learned to be more than well prepared. Food shortages, and rising prices mean nothing to me. I nolonger live in the UK, and petrol in the US is far less expensive, though most would disagree with that. However, it is easy to organize one's errands, and to allow oneself the occasional mindfully chosen treats, such as a trip to a neighbouring town to enjoy the scenery and a trip to an excellent thrift store, both of which bring me joy. From my earliest memories, my parents taught me that to waste anything was nothing short of criminal. And, I never open anything, until what is already in use has been used up. Period. I live like a Queen, on a very small pension, and have many luxuries others far richer cannot afford. I love nature, and surround myself with beauty, be that animals, birds, or clssical and folk music. Once in a while I allow myself a treat. A day out is something I always enjoy, as are hobbies such as sewing, photography, and searching for materials to make Christmas and birthday gifts for my daughter and little grand-child. Simple pleasures are all that one needs. I spend my time learning new skills on a daily basis, in order to be resilient. Nothing stands in my way, even though I am nolonger a 'spring chicken', I am able to overcome what ever challenges come my way. Being persistent and determined are two qualities that will see one through even the most difficult of times. This lady makes many good points, many of which have been long forgotten.
Thank you for sharing your story. ilona
It's true that we have become a consumer driven society. Proof is in corporate budgets on advertising!
Ppl buying on line. Etc.
Children don't know limits in many cases and that will be a drawback in time.
I am not retired or near but I wonder how families manage!
Beyond money is a refreshing term!
I'm not a thrifty person but I never shop online nor fall for marketing traps. I'm just in between I suppose. I know the value of things. That's a good lesson everyone should learn!!
Plus I am pretty good sometimes at getting a bargain on something I fancy! But willing to walk away if there's no deal.
I have a fair idea on economics so I know,on average, what worth means.
People in general mindlessly shop, habit etc.
I too love nature n enjoy year round sunshine. Cold miserable weather doesn't agree with me at all!!!!!
Your Health is your Wealth!!
@@Alexe829 I like that, your Health is your Wealth. So true. ilona
Like you Ilona, I am retired and have only myself to account for.
Kim Harper said exactly what I feel and that it's going to be very hard for families with children. For so many affluent years , young people have become used to having plenty of food, takeaways, coffee shops etc, hundreds of TV channels and new clothes. My children are middle aged now and supporting themselves but I would hate to have to go back and struggle as so many parents are now.
A lot has been said in the papers and on TV about old people having to choose between eating and heating. A lot of this I feel is sensationalism. We in the UK receive a generous fuel allowance every winter, and there are pension credits with many benefits if a person is on a basic state pension.
Life is never perfect but the adage of "do I need it or do I want it "applies just as much when you are nearly 80 as I am, or if you are 28.
The low paid working family is the one that is going to suffer the most with increasing energy and food prices, particularly if they have teenage boys with hollow legs 🙂
My mother was a great roll model for me. She brought us up to believe that we can't have everything we see. That mindset has stayed with me for the whole of my life. I only wish that the parents of today are teaching their children similar lessons.
I agree with you Betty. As newly retired I am fortunate to not have a mortgage or rent to pay and have never felt so well off. It's the younger generation like my daughter and family, having low paid jobs, paying high rent with no chance of ever buying and feeding a 7 year old boy who eats more than me, who will struggle.
@@susantownsend7337 On Tuesday, I went shopping at teatime with my daughter, her husband and the oldest granddaughter. They did their usual trolley shop around Aldi
and I saw them look at each other when the bill came to £65. Later I asked if that was normal but they said it was normally about £45.
For weeks I have been throwing information into conversations re. rising energy and food prices. I thought onto deaf ears. However, my daughter told me this morning that her husband actually said that they should follow Mum's ( that's me) advice and live out of their freezers and store cupboards for a while.
I can't interfere but it upsets me to see so much spent on fizzy drinks , crisps and chocolate bars. They don't buy convenience food or anything containing pig products, they buy lots of fruit and vegetables and cook everyday from scratch but still waste so much money on rubbish.
@@bettygraham818 My daughter and her husband just had a baby. Our first grandchild. 🥰
On our first visit I decided to buy them some snacks. As they wouldn’t be leaving the house anytime soon. I just about passed out. “crisps” or we call them chips. They cost 2 bags for $7. Or $4 each. Yikes. I had points on my grocery card so I got them for free. But still. Crazy.
I wish we had in the USA the fuel allotment that you have in the UK. I worry about others who have not had to live with a small budget for decades as I have.
We have spent the last 2 years watching all the chaos around us and shaking our heads, being retired and frugal, this inflation is hopefully a wake up call to everyone to take care of their own house and ignore all the marketing that they are bombarded with on the telly etc.
Those who are easily influenced by what others do will find it the hardest to change their habits. In every aspect of our lives the best way forward is to follow our own instincts. That nagging voice in your head telling you keep up with everyone else should be ignored.
I have my own coffee frother so I don't need to go out to a coffee shop for a fancy drink at a cafe. I make a lot of my own food, which is often better than in the restaurants at a fraction of the price and I have hobbies where I stay IN too. I don't belong to any clubs which cost any membership.
You lunch looks delicious...your suggestions and thoughts on dealing with inflation are spot on. My mother and grandmother were of similar thinking. I've lived my life by "using it up, wearing it out, making it do, doing without"...it works too...that old adage 'waste not want not' is true. One way to save on food is to 'eat less food'...here in the U.S. it blows my mind that what so many consider a normal portion is huge...my mother stretched her food dollar, out of necessity, by serving small portions of everything,...a serving of meat was 1 ounce at lunch and 2 at the evening meal. We didn't break the fast until lunch time...hence we ate 2 meals a day, and no snacks in between...dessert was for special occasions..like a birthday..Not like today at all...I am dumbfounded by the amount of soft drinks people buy weekly. Water is a far better drink, and tea is not expensive at all and good for you to boot....you can drink it hot or iced...and a nice cup of coffee in the morning doesn't have to cost much either. So many ways to save if people would just think about it. And don't get me started on eating out. If I'm out shopping during a meal time, I take a sandwich and drink from home...it is much more pleasurable to eat it in the peace and quiet of my car or a park bench than go into the crush of a busy restaurant and spend for one meal what would probably feed a person for a week if that person were frugal.
I am not one for eating out either. The food that comes out of my own kitchen is lovely, and cheap. Thank you for your comment.
Well said my dear💯‼️
I love your pep talks Ilona , they always help me to re focus even though I’m older than you and have had the type of upbringing that you had, but it’s so easy to let things slip ( you know those little things you want but don’t actually need )
We’ve always had to be careful with money so it’s no hardship , but for many people , mostly the younger generation , they will find it very difficult. Like you say it’s a state of mind and it becomes second nature to live life in a frugal way .
My generation also benefited from cookery lessons and home economics at school in the 1950s I doubt very much pupils get that today ( it would be far more beneficial than some of the subjects taught now
I think that you are entirely correct about cookery and home economics. If you have those basics they stand you in good stead for years and never go out of fashion. You save money by cooking from scratch in bulk.
I agree! I’m in my 50s and when things were tight , starting 20 years back, the first thing I did was to teach myself how to cook from scratch, plus how to make most of my own cleaning products, and to garden.
Hello from Sussex. I’ve found your channel and have subscribed. I stopped‘spending’ when I had to give up work. My home became my priority, everything went to making sure the mortgage was paid and I paid it off before I was 45. The downside of being so frugal is that I felt dreadful guilt when I bought myself anything, even a secondhand book off eBay for £1. Money has got easier since I paid off the mortgage, but it’s taken me almost ten years to be able to spend even a fiver on something I want rather than need.
Thank you for your comment. You have outlined one of the downsides of living a simple frugal life. When one has to be disciplined for so long it is difficult to let go a little bit when things start improving. Ten years is about right. I paid my mortgage off early because that was my priority. My attitude now is that I see money in the bank, so if I want something, I will buy it. That's not to say I have gone back to frivolous spending, I still consider each purchase.
Some people think that being strict with spending makes for a miserable life, that's not true. Money can enslave you, if you let it. Too much or too little has the same effect. Feeling comfortable when you have enough is the position to aim for. My friend is busy gathering second hand stuff and refurbishing it, then she sells it. She doesn't need to do that, she has far more money than I have. She tries to steer me in that direction. I say I don't need to make money, I have enough.
Your guilt will slowly wane in time. For now be happy in the moment. Do not get into the mindset of saving every penny, you can't take it with you when it's time to go. Best wishes. ilona
New sub here, I think the way you view life and money are truly wonderful. My dad, who's 70 this year, lives very much the same, ..he always says he can live on a shoestring! Nothing wrong and everything right with living a frugal lifestyle and never needing to have your hand out as a result of overspending. Full respect 🙏 👏 👌 💯
I think I like your dad 🤩
Sound advice mother.I saw your artwork at the gallery, I enjoyed it very much, free to get in and free parking, I took my flask and sandwich you taught me well.what a fantastic mix of art.xxxx🐝
I'm chuffed that you made the effort to visit the exhibition. Thank you.
I agree. We will succeed and carry on. I did invest in a couple of pairs of high quality thermal socks as I get pain when my legs get cold. Having the socks means I can keep the heating much lower or off and I'm very comfortable. Edit. Just to add, they're long socks and come up to just below my knee. Never had such warm legs. 😊
I am wearing three pairs of socks, a scarf, and a pair of fingerless gloves at this very moment.
@@meanqueensuperscrimper8908 Fingerless gloves are great. I struggle if I wear a lot of layers as I have mobility problems. So I'm going more for thermal clothing. Could do with some woolly tights next.
For Christmas, when my adult children asked me what I wanted, there were two things on my list: gift cards for my favorite grocery store or Merino wool socks. I received both! I love my socks and of course, I loved the gift cards. Yes, you're right that having warm feet and legs allows one to turn th heat down a little more. Thanks. Diane in NC
@@meanqueensuperscrimper8908 What a wonderful idea - fingerless gloves. I wear cheap gloves ($1 at the local dollar store) when I'm out and about. Fingerless gloves would be much more comfortable in the house. I will try cutting off the fingers of my cheap gloves, hem them and see how they work. Thanks very much for this idea. Diane in NC
@@jimmiepatrum Funnily enough I asked for supermarket gift cards for Christmas this year. We have similar thinking. It's really nice to have warm feet and legs isn't it.
When I need a good dose of "straighten up and fly right" medicine, I come to your channel first. I dearly love your self-confident, can do attitude. Diane in NC
I thought it was my stomach until I realised your cat was sleeping. I’ve just taken on a second allotment to try and grow as much food as I can this year and store it during winter.
This morning I harvested about AUD $40 of Kipfler potatoes and AUD $20 of organic tomatoes with at least five times that amount to come. That's about 31 pounds or 37 euros. The wonderful thing is the pleasure I get out of being in the garden, and it's all organic. We save literally thousands a year by doing this. The cost of fruit and veg here in Australia is staggering, even if you don't buy organic.
I encourage everyone to grow something, even just herbs and salad greens as those fresh goodies cost a lot. You can grow sprouts in your kitchen if you don't have any outdoor space - full of nutrition and saving you money! A pumpkin or potato patch is not a lot of work and pretty foolproof, and again you can save loads and have some really filling, tasty food. I try to grow at least 20 medium to large pumpkins each year to see us through Autumn and Winter, also lots of cabbages which keep well. I save $20 for each large jar of sauerkraut I make. I dry excess cherry tomatoes on screens on the shed roof and they are bursting with flavour for homemade pizzas in the winter. :-)
Thank you for your good common sense gardening tips.
Beautiful!
Very uplifting , not just for finance, for everything life through at us . You changed my day.
Great advice Ilona. I am only a few years from retirement and trying to be as frugal as I can now ,so that living on less won't be such a shock . I have used a lot of your tips and advice . I am still working full time but my first pension starts next year . It is a bit scary to think of how little my pension funds will be to live on compared to what I get now . Trying to save as much as I can and be as frugal as I can . Your advice is very welcome . Stay safe and well 🙂
I say things like -
No, I cannot afford it
Maybe later (knowing I’ll say no)
Not today
Next time time
I’m come back later and buy it. (I won’t)
Maybe when it goes on sale
I have lots of ways to say no. :)
You are terrific, thank up!
That's a good way to curb spending. Thank you.
I found the entire video helpful. But especially, your reminder to ignore what is going on "out there," we have no control over those contrived things, and to just focus on what is needed in the here and now in my life. Thank you, because the news has been driving my crazy. I was getting stressed over not knowing exactly what I should be doing, the face of all of the unknowns hyped by more fear mongering in every direction. I also liked the idea, that we don't really own anything ... we just use it, and when we are gone, it passes on. This is so true. Thanks a bunch.
Glad you found it useful. I keep myself informed about what is going on. I digest the information, then store it somewhere in the vaults of my brain, and get on with my life. It is difficult to sort out the truth from the lies. It is now up to the lawyers to take it to the next stage. There are good people fighting on our behalf.
My tv aerial blew up in a storm in Jan 2020 and I decided not to have it repaired. No tv since then for me and my family. Best decision I ever made. I do watch positive educational life enhancing youtube videos like this and UK Column!
Hello from Montreal - Canada .... recently, a video from your UA-cam channel, "whash day blues" ... I don't know why, it was in the algorithm of my Google account...but I am very happy it did, because it allowed me to discover a very nice person, who talks about a subject that interests me, that is to say, living in simplicity on a daily basis... I am retired as a provincial civil servant, retired since May 2021... And now that the income is fixed by the pensions I receive... I retired, without any debts, except the regular expenses obviously.. I always appreciate the advice and good ideas of people who want to live with what they have... My written English is not very good, because I am French speaking and I am not used to write in the language of William Shakespeare ... Have a nice day :-)
Hello Daniel, and welcome. Your English is better than my French. 😂
I was shocked recently when one of my young work colleagues spent £600 on 1 pair of designer shoes. She was equally shocked when I told her I had never spent more than £20 on a pair of shoes which were not designer. She justified her spend as "a treat" and asked if I've ever treated myself. I told her usually I buy most of my clothes in charity shops and occasionally will treat myself to a new outfit in a supermarket or make it myself. I was asked why and my answer was simple, "I'm saving for the future and my retirement." No wonder youngsters these days don't have any money or are up to their eyeballs in debt.
I think I would have fainted if someone told me they had spent that much on a pair of shoes. I know it happens and could accept it if they were earning mega bucks, but sadly a lot of them who show off their designer gear are in debt.
The only way I'd spend £600 on shoes is if I'm earning £3000 per week.
@@mariaeventine5161 I wouldn’t do it even then!
@@cherylT321 Neither would I. The way I see it is £600 could buy me 30 pairs of shoes but I don't need that many shoes. I have only 2 pairs of shoes. 1 pair for work and 1 pair for my days off. If I can get a deal on 2 pairs of shoes per year then that's even better. I don't see the point of buying more than I actually need.
@@samanthahardy9903 👍
Hello, I live in the United States and things are going up here also. Not quite as fast or as extremely as in the UK. But I believe it’s coming especially with all the Inflation we are experiencing. You amaze me with all your frugal ways and I’m learning quite a bit from you. Thank you
I don't like spending money either Ilona!! I thought I was weird!! All my clothes come from charity shops, and any stuff I need! I have always gone down the make do and mend route, its actually good fun being a meanqueen!!!
It is good fun. I get a buzzzzz when I beat the system. They are not pulling me into mass consumerism. I am a free spirit and can think for myself.
@@meanqueensuperscrimper8908
Amen to that Buzzzzz 🥀
Thank you Iona. I was one of those that requested this kind of video. I am frugal. But its always good to have a refresher and you inspire me to stick with it. I think I can hear your cat breathing on the video. :):) Thank you again. 75 year old Brummie in Canada.
I'm sorry that I did not list every money saving tip that I use myself, it would take ages to do that. Following the basic rules of knowing the difference between a need and a want, and not spending more than you earn, can be applied to every decision you have to make.
@@meanqueensuperscrimper8908 Thank you so much.
Ilona, i just know how you feel about your summer house. Things you do yourself,gives you so much pleasure. I get more pleasure about buying a blouse or jumper from a charity shop, than new..,.you know what i mean. Theres nothing bad about knowing about frugality, some people may never need to use it, but the knowledge is there if you need it. Enjoy your lunch xx
The big coat I wear on cold winter walks cost me £1 from a charity shop. Almost as good as free. 😄
Very good common sense advice. I am always annoyed when I hear someone complain about not having enough money to live on, and then buy something that is unnecessary.
They haven't worked out the difference between a need and a want. It means different things to different people.
@@daviniarobbins9298 Hello. I understand your frustrations. It does appear that us pensioners are doing ok. Not all are though, some pensioners have never discovered how to successfully manage their income. I was brought up with two siblings, my mother had to go out to work because my father spent most of his money in the pub. I watched my mother in the kitchen, how she prepared meals, how she did the washing, this set me on the road to making the best of what I have.
I learnt how to make things last, I made my own clothes, I did my own washing and cooked my own meals, from an early age.
When I bought my first house I was skint for a long time after that, had to get a lot of work done on it, all paid for myself, no partner. I sold and bought a bigger house, I was skint again. All my wages went into the house. Now on my third house, skint again. Now after 45 years of working I am finally able to relax a little. It is all down to personal choice and how you prioritise your personal finances.
I used to use Photobucket when it was free, I dumped it when they started charging. Why are you paying them to store your photo's. So you prioritise Photobucket over buying food. Madness. I stopped paying for a TV licence and got rid of the TV set, 20 years ago. Think of how much money I have saved. £78 for Virgin Media, that was a mistake. Get rid of it as soon as you can. I have never got insurance for household appliances, it's a rip off.. If you buy them new they should last a good few years. Put £1 a week away and save up for a new fridge or washer.
The bottom line is that you either cut your spending or increase your income. Run your home like a business, account for every penny. Don't give up, and don't be angry when other people appear to be doing better than you are. I am 72 and have a lot more life experiences to draw on. You make sure you are on the right path now, and with some careful planning you could end up in a good place. It's up to you. ilona
Yes I’m the same llona I’ve lived this why my whole life. I think it is going to be a big shock to a lot of people though
You’re right about priorities. I cutback on less important items to help fund what I really want- been that way most of my life
Hi.Im a new subscriber,I've just moved into a flat on my own and looking at ways to save money.Ive made notes of things you have said in various videos.I love going charity shops mainly for books,can't remember last time I bought a brand new book.I have short hair and cut my own hair,I like to think of it as unique. Take care and I saw a saying basically we are just passengers on a journey to passing through.xx
Thank you. We need you to give these pep talks right now. I'm constantly trying to think of ways to cut back and as soon I think I know all the tricks someone teaches me something new x
Every small way to save money, even if it is only pennies, all helps in the grand scheme of things.
Another frugal page suggested that us “Boomers” will probably cope better during the current financial crisis as we are the generations that have already lived without so many things that younger people take for granted-central heating, holidays, cars, take seats, subscription TV, fast fashion, etc. Too many people confuse “wants “ with “needs “ and will need to learn to prioritise.
Hi Meanqueen, a little tip for your viewers to keep warm. I have turned down our heating to 15degrees. This can be a little on the cool side if you are sitting, so I have put a single size electric blanket on our sofa with a throw across the top for cleanliness. With a throw across your legs and the blanket switched on you will keep toasy warm for minimal cost!
I was taught to be frugal very early in my childhood. We never threw away anything unless it was beyond repair or couldn't find another use for it. I am always amazed at the amount of food or items that people just get rid of.
Yes, if we didn't have a wasteful society a lot of problems could be avoided.
The writing down all my spending bit was really eye opening for me. And to be frank quite embarrassing but needed to be done (for me it was those 'low cost items', you know a few pounds here and there that I really didn't need that ended up adding to SO much). I've never gone in any debt thank goodness but it really made me realize that I could save so much more money!
It's easy to forget when you open your purse and hand over £1 for a Mars Bar, or £3 for a coffee. Write every penny down, and when you read it you think, good grief, look how much I have spent. Good for you for not getting into debt. ilona
Re secondhand furniture - when we get a piece of furniture from someone, it always tends to keep that person’s name. We’ve got Leonora’s lamp, Bill’s chair and Maurice’s Mum’s cabinet. We never met Maurice or his mum, but they live on in our house 🙂 we bought a mahogany bookcase on eBay and it had ‘Colonel Swayne’ written in chalk on the back, so that’s what we call it.
You've inspired me to do what I've been wanting to do for awhile and cut my spending back to (mostly lol) things I only need, not just a lot of stuff I want. Thanks, Ilona!! xx
Good for you. Stop buying crap. Only buy what you need. Then watch your bank balance grow bigger.
Your video showed up in my feed and I love your straightforward way of thinking. Thank you for being positive about the discipline and dedication it takes to live this way. It might mean a bit of sacrifice in the beginning as we weed out those things that are standing in our way but in the end it brings so many benefits and peace of mind.
Good morning Linda. I will never forget the many years of being skint when I bought my first house, and moved twice more. Sacrifices have to be made. Thanks for your comment. ilona
I think you make a good point, that those of us who have always lived frugally (or at least, for many years) will not be too badly affected by what is coming down the line. As with the 2008 crash, this new Depression will be the worst for those who have lived without their means for too long or who have tried to live like millionaires on £20k a year plus credit cards.
Enjoyable video ! Very good points ! I always live on what do we need more than wants .
I find healthcare and dental care is something that has be saved yearly (we don’t have free healthcare for everyone in Ireland - it’s means tested )
Healthcare and dental care is something I always save on the side for !
But with the costs rising and trying to cut here and there to makes ends meet it isn’t easy when food bill goes up €10 a week that€10 a week could of been my savings on the side for dental care for myself or my son as emergency fund . Dental care isn’t cheap here at all and like said no free healthcare as I work full time and miss out on the limit .
Anyways other than that , slot food tips to live simple and frugal and save a little always for emergency times !
I’m not into hair fashion clothes nails ( I do my own nails at home ) hair cut once a year with my son .
I’m a deaf women and I could survive on disability here sadly . After your rent is paid and travel expenses on buses ( I get yearly tickets ) I don’t have a lot left if we’re on disability payment and cost of rising prices would cripple you for food / eletricity and heating would be well over €100 a week. I feel sorry for those that are on it as impossible to live on now with food prices rising €10-15 extra a week .. electricity €5-7 extra a week too ..
But we must remember to live below our means every time we do get a pay rise or working .
This is how I live now that I’m fortunate to work and never take it for granted nor my pay rises !
Live simple and frugal and save and always invest in pension- the rest is all extras !
Thank you for sharing your story. I cut my own hair about three times a year to keep it tidy. I am under a NHS dentist, but I am taking more care of my teeth now to hopefully hang on to them. I think the people who are working, on a low wage, are worse off than those who can claim benefits. Best wishes to you and your son. You are setting a good example for him. He will thank you later.
I agree with some of what you say, but if we can't indulge in our wants occasionally, that means that we are existing rather than living. Yes, we can all find ways of saving money, we could all buy things 2nd or 3rd hand, but there are some times when this is not advisable and is, in actual fact, a false economy.
I applaud anyone who can make things, cook, sew, or have any other skills with their hands, not everyone can do these things, just like not everyone can be an Olympian athlete. Some people need the skills of others, that's not a luxury for them, so it is a legitimate expense.
It's much easier living within your means when you only have yourself to think about. Parents can't always say no to their children, adult children can't ever say no to their elderly parents, and disabled people and their carers have needs that, to others, seem like luxuries.
That said, you raised some very interesting points, thank you.
Wonderful advice. The only rat race I am in is working until I can retire early, I hope 🙏🏻. We are debt free and trying to save as much as we can, because I will have to pay for my health insurance. So I am getting prepared so the insurance payment will be no surprise. We will continue on our frugal path from now on, suits us just fine!!! ♥️☺️☺️
Glad to hear you have a plan.
I'm sure it must have been said before, but I think I can hear Mayze gently murmuring in the background. I thought it was our cat to start with, but he's too far away. Very soothing.
I find buying quality clothes and footwear will lasts for years rather than going to primark every week and there clothes ripping and falling apart in a few weeks and shrinking to nothing so I’ve found a bit more money on items is well worth it in the end
MQ you are a woman of good Wisdom ..Temptation is all around us you see it in every shop you visit. They(business) are out to get your attention and most of all your money. I live within my means only yesterday I was tempted to buy a new pair of good quality shoes at a very good discount.I went to pick them up then I said to myself I'll walk away do something else and if they are their when I return I will buy them because they were nice. I went back to find they had been sold being the last pair. I was not disappointed because I realised why do I need shoes I have 20pairs at home so it was a definite want lesson learnt!.
I am pleased to read this story. You probably have enough pairs of shoes to last you for the rest of your life. The only footwear I buy new are good quality walking boots because they have to accommodate my bunions, and I walk a long way. All the rest are second hand.
I’ve worked as a Carer for last 20 years ! Had nothing ! Worked 365 days without a break ! Seems in retrospect a fool !! Now at 62 life is just same old same as a Carer you learn there is no extra cash for anything if you meet you’re bills !! You’re doing Grand !! Bless all Carers 🙏💫
An old customer of mine on the pension didn't worry about money he would just give social security all his road fines and be happy with a few pennies taken from his pension
Judith Grace here from ex USA pat , now living in Queretaro, Mexico. I am like you, but I do help non beggars, and it has not made me less poor. I left the USA because it is too deadly and expensive, so at 79,I, and Ieft. I worked from 7-70, traveled the world. I married twice and had one daughter at 37. You are so correct about writing down what you spend. Thank you.
Your outlook is most refreshing and transparent if I may say so.
Thank you.
Think you're wonderful I'm 48 and taken retirement as paid mortgage .I love lives now beening in my cut back world in gives me a sense off purpose to make do off mend . Its mind set what we spend things on .
Warm fed and dry. Those are the first necessities. In the 80’s there was a book by Jo Domingues “Your Money Or Your Life. Good book for persons that need help living on less. Still can buy it on secondhand book stores, maybe Amazon.
Yes, I've got that book. Very useful source of inspiration.
You DO have to think of it that way! You can't take it with you - everything's so temporary.
I've been a lone parent since my daughter was 3 and my flat is ALL secondhand or free furniture, our clothes are from Ebay and other secondhand sites, all her toys were secondhand. I pride myself on being frugal and even before I had my daughter and was with my husband I would always shop around and get the best deals.
Thank you for sharing your story, Lucie. Every year people waste shed loads of money on buying presents for kids at Christmas. It's all about keeping up with the crowd. It's a brave person who refuses to keep up, and stands firm and follows their own instincts. Well done.
It will be a bit easier for me I as I get loads of free food on the Olio app, and I am childfree and don't have a big house with lots of rooms, my house is just band D. I will also get a council tax rebate. As I am childfree, it will be much easier for me. I don't have a car either so don't have any car expenses.
She does give good advice.
When I bought my house I moved from a one bedroom apartment to a three bedroom home.
I needed furniture so I went to consignment shops and I found someone selling high end furniture in excellent condition for a faction of it's original cost.
I work with many many people who struggle with car payments.
They say they need a new car every couple of years and they combine the remainder of what they owe into the new loan and finance the new vehicle for longer .
My car is twenty years old but thanks to careful maintenance looks three years old.
By not constantly buying a new car it has allowed me to save more than enough to buy a new vehicle outright when my present vehicle is not economical to repair.
Thank you for sharing your story. ilona
Hurrah!,finally someone saying the same thing as me ! We are just custodians of our belongings! Correct, we don't 'own ' a thing!
I’ve just come across you on my youtube feed.
I love you already! You’re my cup of tea, especially as you watch UK Column News! 😉
I have cut back a bit on watching UK Column. Still the best news channel, but there are other channels popping up now. I follow people, the experts that have never waivered from their beliefs that something is amiss. Peter McCollough being one of them. Look for Delores Cahill, she is well clued up, and Vanden Bosch, and Reiner Fullmich, and others.
@@meanqueensuperscrimper8908 we are on the same page! Know all those mentioned and more 😉
So happy to have found such a great little channel.
The right time to ask yourself if you really need to buy something is in the store, not once you've made the purchase! Too many people absolutely must have the biggest, latest and best of everything, keeping up with the Joneses, even if they can't afford it. Then there are the poor lifestyle choices that increase the risk of poverty, like bringing up children as a single parent. Whatever happened to family life? So many of these single mothers can apparently still afford their hideous and disfiguring tattoos and piercings. Just makes you wonder! Some people were clearly not at the front of the queue when common sense was being handed out!
I think common sense is more prevalent in the older generation. It's up to us to pass on our knowledge of money saving. Not everyone will get it though.
Are you suggesting ALL single parents are like this? Should people stay in violent or abusive relationships for the sake of the idealised, 1950s concept of family? Some become single parents through the death of their partner. Some because they are deserted for a younger or richer model. Many single parents ( male and female) work full time while juggling childcare and poverty. We also succeed in bringing up rounded individuals who get university degrees, go on to have families and are in full time employment. Please stop making sweeping assumptions. You would hate it (as I do) when folks say that being poor is all your own fault. As mean Queen says its what you do about it that counts!
@@lynnoorman2144 It's not fair the taxpayer often has to take a hit to support many of these people. Everyone is responsible for the outcome in their life. I do feel poverty is the fault of the poor, it's their responsibility to do something about it, and not be a burden to the rest of society.
Oh my goodness, I have found a woman after my own heart. I always thought I was the crazy one as I have exactly the same mindset as you, everyone around me is spend, spend, spend and I am scrimping but so, so happy, relaxed and enjoying my freedom from the workhorse. New sub here. I love this channel
Thank you and welcome. ilona
Spot on Ilona. It is a definite mindset and it gets easier the longer you practice.
Correct. Concentrate on the good habits, and reject the bad ones. Taking control of your life is the new normal.
@@meanqueensuperscrimper8908 👍👍👍
Found you accidently a few weeks ago and after watching one video I was hooked!!!!! I off course subscribed I certainly dont want to miss any!!!! I think I have watched them all now and check many times for your latest....I am the same age as your good self...and I craft....I love your easy going attitude and your pearls of wisdom..
....I am in N Ireland and the cost of living keeps rising dramatically...we have the Irish sea border which is an added problem {goods arriving}.....anyway right now you are helping me keep 'almost' sane....you are a joy to watch and a beautiful human being ..Bless you..take care x
Hello Margaret. Welcome. Nice to meet you. ilona
I enjoyed your video, you are right only have what you need not what you want. My mum lived through the war and think she passed on the make do and mend mentality.
Glad I've just found you and agree with everything you say. I'm on my own on a pension and feel very fortunate. Love that you're having a cider!
Hello Susan. As we both know, it's the little treats that give us pleasure.
So wise.. I ,m 54 now and l,d like to be like you when l get older, love your common sense
I see people who have 10 years or so to retirement and they're not thinking of when their income will be drastically reduced, still going on expensive holidays and trading in their vehicles for the latest model.
Charity shops are great for clothing i agree. It's crazy how much you can save!
That last bit was so important!
Hello!!! I LOVE your beautiful calico cat! 💝
Sound advice as always, I live the same as you and on my own, but I feel for mum and dad's with children, but look at it this way, if the mums and dads get a grip of this, they are teaching their children a life skill, they will be ok in the future it's up to us to help the younger generation, so they can help there children and so on. Brilliant video illona. Thanks X
I fear too many parents are caving in to their kids demands. This will do them no favours in later life.
New subs here, I just found your channel. Thanks for sharing your wisdom😻😻
I just bumped into your channel while looking for something to wind down to after a long day of outside work and what a treat. I love your positive energy and common sense out look on things. I found myself shaking my head in agreement with everything you said. I don't think enough people realize what kind of treasures you can find in second hand stores. It has been a while since I bought a pair of pants, when I can just buy a 6 pack of sew on or iron on patches to repair old "broken in" ones. My husband doesn't like brand new, stiff pants anyway, so it's a win-win.
Hello. Welcome and thank you for your comment. You might like my blog. I write about a variety of subjects I am interested in.
meanqueen-lifeaftermoney.blogspot.com/
More content of these videos please
Nothing More satisfing than gluing some shoes and squeezing an extra 3 months out of them
😄I've been searching around me for my cat because I thought I could hear her snoring and it was Maisie all along!
Haha so did I 🤣
Must be a good mic on the camera to pick that up. 😄
😹😹😹
Thank you, I needed to hear all this. You are 100% correct! I love your optimism and determination. Thank you for sharing. XOXO L
I am a glass half full person. There is always light at the end of a tunnel. Don't let the buggers get you down.
I was so surprised when you said none of these things belong to us. No one actually talks about it because it is a mood killer but it is true, tomorrow is not guaranteed for you. All these things that we buy, put ourselves in debt for, we take nothing with us. We shouldn’t look at someone who’s got more than us instead look at someone who’s got less than us. Learn to live with what you have.
Thank you for the pep talk. It was the reset I needed!
Eat healthy for Starters...big bags of veg for 1 or 2 quid.
Big bag of spuds..store in cool place..tinned fish and meat at market..
Buying in bulk is good..big catering tins of fruit...Does save about 30 to 50 % i recon over time
You are a Godsend. I have just become unemployed and have £1,000 left. I have debts of over £3,000. I will be 62 this year, but was off sick with an undiagnosed problem for months. I have changed my diet, fast once a week and only buy what I need. Thanks for the tips. I will have to get a full-time job for a couple of years to pay off my debt. Wish me luck 😉
Hello. First priority is to pay off those debts. Pay off the ones with the highest interest first. Stop spending on anything that is frivolous. Only buy what you need, the wants will have to wait. Good luck, you can do it. 😃
I wish you luck 🍀 that’s tough for you sending love 🇬🇧
@@pearl2910 That was a year ago. I have had a full-time job for a while now and have paid off my debts - hooray! I have also given up sugar and started intermittent fasting and I feel much healthier now x
@@Billiard-cp1my oh Wow ! Fantastic !! I and loving the diet ! It’s nice to be kind in life because one never knows what the next card is !! 😉
@@pearl2910 and you are kind. I wish you all the best x
Sound advice. Love these sort of videos, they get me back on track!
I am currently unemployed and life can be a struggle but I still manage to eat well and I havent been near a foodbank. I learnt that buying a small or extra small chicken is not cost effective because there is more bone than meat. I will buy a medium chicken from Aldi, roast it and have a roast dinner, some breast meat is retained for sandwiches, the legs are saved to eat with chips or salad, the wings are snacks - most people would throw away the carcass but not me, i put the carcass in a pan of water on the stove and add some chopped carrot, onion and seasoning when the carcass has fallen apart, I retrieve the bones and throw them away and I have a nice pan of soup to eat.
It's good to know you are making the most of the food you buy. I stopped eating meat 35 years ago. Must have saved a fortune. I won't preach about becoming vegetarian, each to their own.
Hi there Dear Ilona, thank you for your sound advice, ❤👏
I'm starting to look to cut costs . I've stopped buying clothes yes I have a wardrobe full . And yes I was stressed about it but I have a shop too . I do think lockdown makes me despair. But I'm going to subscribe and listen to your advice. I will survive x
That's the spirit. I bought two items of clothing for £1 each at a charity shop yesterday.
Hello, I was introduced to you through a woman named Rhoda Stone just today.
I wanted to start with a friendly HELLO 👋
I was waiting for you to say you no longer had to be so strict because your lively hood had become such a habit at this point.
Great video real common sense, if you don’t need it don’t buy it.
Exactly. Keep your eye on the bank balance, watch the numbers go up. Then you will find that you have quite a pot saved so you can buy with cash instead of using plastic.
@@meanqueensuperscrimper8908 hate using plastic when you use money you can see what you’ve got and what you can spend.
Home cooked food. I only use my main oven to cook meals in bulk. I was poor before, when I had my first mortgage & was starting my own business, doing the prep for it at night whilst commuting & working in the day full time.
That way I know exactly what's going into my meals. They're much tastier than shop bought and far more nutritious & healthy.
Buy dried & long life food when they're on a good offer. I don't eat red meat, so organic, non gmo dried european soya mince is always in my home. No refrigeration or freezer space required for it.
Pack the freezer with quality freezable foods when they're on yellow sticker, last reductions at the supermarket. It always amazes me the number of people who walk past the reduced counter without looking.
All in one full length fleece loungers are cheap, easy to wash & dry plus they keep me warm.
Jacket potatoes. Cooked mostly in the microwave & just finished off in the top oven for literally 10 minutes or so. Fillings are cheap, varied & quick to prepare.
Research home hair dyes & hair scissors instead of regular visits to the Hairdresser. Even if you need to go, you can do hair maintenance & cut down visits.
I love my make-up & fragrances. But I'm buying the ones I like at 70%-90% off RRP now as I buy discontinued lines. Or fragrance occasionally from Ebay when someone's tried it, doesn't like it & sells it. I'm still getting what I know and love at vastly reduced prices.
Buy pet food in bulk if that cuts down the cost considerably. So what if it takes up a bit of storage space. It's there at a much reduced cost.
Thank you for your fantastic money saving tips. xxx
I like your comment about not owning anything. You are a consumer custodian.
Hi, that was absolutely blinding! I don't know how I came across you but you're the perfect antidote to all the rubbish I seem to watch! Like you, I am very frugal by general standards and most things are secondhand except the cooker that's arriving on Monday. I've never been in debt but saying that, I don't own a brick. Owing to some mental health issues, I felt unable to buy my house when it would have been opportune to do so. I mainly regret this as I'll have nothing to leave my son. I just have to be philosophical about that but your tips have made me think more consciously about what I do and if I need to do it. Look forward to more of your videos
Hello and welcome. Buying my first house was a massive step for me. It was my boss at the time who persuaded me to put my money into property. Being a free spirit I didn't want to be tied down to one place, I like moving about. I bought a small cottage in a nice area, which needed a lot of work doing to it.
The job that I did (lorry and bus driver) enabled me to move about, and it was comforting to know that I had a place to come back to. The early days of house buying (I moved twice more) left me skint for a long time. I can now see that it was worth it. My boss was right.
Your frugality will see you through life's twists and turns. You have a good attitude towards money and what is important. ilona
I can hear one of your cats snoring bless him/her 🐈
Very well said and good advice 👍
I think it is soo sad. Because people will not fight for their rights. But, Everyone wants to complain. I do NOT understand.. We ALL COULD CHANGE THIS WORLD..IT WILL TAKE MILLIONS APOND MILLIONS TO FIGHT THE ELITE.
Many are fighting. We can hope that more will join in.
I have to be honest... I NEVER say to myself, 'No I can't afford it'... mind you my desires are not expensive.... I tell myself, oooh that's lovely... BUT... If I want it I could have it, just not now..... then the urge passes..If the urge doesn't pass I save up... and sometimes by the time I have enough, the item is on sale and costs less... I never feel deprived that way....That way I can have anything I want ( within reason) ....
So cute how Mazy just wanted a little pet.
Wise words as always. 😍
Thank you.
I had not seen you on for a while but I have been having computer problems so it probably was me not you maybe I should say glad I am back LOL
Cat snoring 😊
I thought it was an owl!
Thank you Ilona - this video of good advice is very uplifting. With determination we can succeed.
You are a true inspiration. Thank you for sharing xx
You are an inspiration to me I’ve been struggling in a low budget due to I’ll health. You are the voice of reason I wish you were running the country. Your videos have given me ideas to save money. I love second hand and finds in skips and at the side of the road and make do and mend is good for the planet . Love your energy and your cat is like mine too love and light from Northampton:)
Thank you for your comment. It's good to hear from you. People are always looking for some magic tricks to save money, but it always boils down to the same simple rules. If you don't have the money to pay for something, you can't have it. Don't spend more than you earn. Be honest with yourself when considering a purchase, do you need it, or do you just want it. Discipline is the magic word, you need plenty of it. Best of luck. ilona