"Where there is a will, there is a way." A true story. I know a woman who left a violent marriage in the dead of night with her two young children, and what she could fit into her car, driving from the west coast to Texas. No child support - nothing. Twelve years later, Mary was still working three waitress jobs, including one in a family owned restaurant. They loved her from day one, and "adopted" her and her children into the family. Besides running the restaurant for 40+ years, the owners (who are amazing people) had started buying rental property beginning in the 1980s in Austin. Mary learned how to buy property from them, and on a triple waitress salary, she bought her own home, and has purchased two rental properties. The owner told me, "Anything Mary touches turns to gold." Mary does not see obstacles, she sees opportunities everywhere, and she makes every dollar do the work of five dollars. "Where there is a will, there is a way."
Hello Kate! Great video! I have definitely struggled some times with the ‚I deserve it‘ trap. However a couple years ago I found the solution for me. Whenever I find myself justifying something with ‚I deserve it‘ I say to myself: Yes, I deserve it. But I deserve freedom more than anything and that’s why I choose not to buy it. I know freedom of financial worries will give me peace of mind and that’s the greatest gift to my future self. 😊
Happy Frugal Friday! Because I sometimes spend money mindlessly, out of default, I write on the calendar 3-4 days that are “No Spends”…if I go to town (I live in the country) to run an errand, I have to constantly remind myself it’s a no-spend day, & try to do things that are free - go to the library, walk at a park, sit in the sunshine, call/text a friend, go through the car wash (monthly membership), drive through a neighborhood that inspires me, etc. I bring something to eat & drink with me to help curb that temptation! When I get home, I feel good about myself…if I stuck with it! 🤣
Ohh!! Well in that case, going forward, you can definitely build eating out into your budget! It's that's the thing you love most, skimp on the things you don't care about and go out to eat! :) Thank you so much for sharing with us Katie!
I have lived on a zero-based budget for decades. I created a template for the smallest bi-weekly check which enabled me to live below my means most of the time. I wear thrift store clothes and make my own meals .
I think I struggle the most with impulse buying and saying "no". It's my extras at the grocery store if I don't do a pre-order and pickup, it's my husband's little charges at the gas station for soda fountain drinks, waters, energy shots, etc. that add up remarkably quick. It's saying "no" to buying something online to cheer myself up or make me feel like I'm having fun if I'm struggling with seasonal blues.
Kate - once again you hit the Commonsense target in the bullseye. We live in such 'give me NOW' times that saving or waiting for something doesn't seem to enter our minds. Being bombarded daily with hundreds of ads telling us we have to have this or that doesn't help. There's a saying 'the joy is in the journey' which to me also says it gives me something to look forward to having or doing. I'm planning to take a vacation this spring and it'll be a totally cash/debit card vacation. I can return home without having any bills from it, so I know that will mean I'll enjoy it even more.
As always Kate great video! For me, the greatest form of self care is peace. I look at saving and investing as "buying" peace of mind. It gives me the feeling of a purchase
I miss traveling but leaving below my means is as ingrained as breathing. Saving for a house and I am totally focused on that goal. Blessings to everyone!
It’s really tough but I was able to save 6 months worth of mortgage emergency money in case I loose my job. We do live in a materialistic world but you do need to prioritize what really is important. No one’s gonna pay your bills except yourself! Love you girl!!
❤️wise words, live below your means!! Covid-19 has altered our lives, we found eating at home more, entertaining ourselves at home more, less need for new clothes, etc. it’s changed our habits for sure.
The biggest hurdle for me is sometimes finding balance. Saving for the future but still remembering to enjoy today. I’m always planning a future but need to remember this is the one day I have for sure.
Large furniture purchases are the category that tends to stress out me and my budget. I have hand-me down and second hand furniture, but have needed to buy a few addition pieces (couch, bed, mattress) for my house. These purchases are large compared to my typical spending and straddle the need/want category for me which I think is what makes them stressful. Sure I could have a room with no furniture, but that seems impractical. My current strategy is to prioritize which items are most essental, do lots of research to find the best value, and stagger the purchases over time.
If your matress is pretty good you may want to just buy a good topper for it for now as to have more money gor the bed I have a good one I got on sale but would really like to have a MyPillow mattress topper but cant afford it now..
The friends I hang around determines how much I spend. Sometimes, I feel pressured to spend more money around certain people. Learning to say “no” or offering a free activity instead feels more freeing with those certain friends.
My biggest struggle is those one or two things that I think/feel I need to eventually impress people online that I interact with bcuz of my hobbies. Period,
I so agree with this. What you said about 'deserving vs. can i afford it' (paraphrasing...) It's true. We can find less expensive ways to have some deserved jollies--on the cheap. This is how I stay sane while cutting expenses and saying 'no' to myself....by allowing myself free or cheap thrills like an hour with a book I already own...a special food or dinner made at home...time outdoors, etc....whatever your thing is. Thanks for the great advice!
Beware also when you’re married about having the same mindset as your spouse. My husband, when he was working, would always use the phrase, “It’s only money, I’ll make more tomorrow.” Then when tough times hit with his job, things went downhill real fast. It’s the mindset of someone who believed that because they worked and had a crap upbringing they just deserved everything and anything they wanted. Things have stabilized through the years, but there were some really tough years and a lot of wasted time that you just can’t get back.
My biggest struggle is when expenses come up that I didn't budget for. Example: my dog had $256.00 emergency vet bill. We have a sinking fund to cover her regular bills, not an emergency. Sometimes I find myself taking categories that are over funded and using them to cover expenses that are unplanned. It usually works out but can make my budget very messy.
Hey readerbabe! Hmmm okay here's one idea possibly that might help? Do you have a budget buffer? Here's a video on it in case it's useful! ua-cam.com/video/AgBh7tXyslA/v-deo.html
Dude. Pet insurance is the way to go. For true emergencies. I work in pet insurance and assess claims for 6, 7, 8+ k. Dog ate a sock, cat jumped and fell from kitchen counter, owner gave the dog ibuprofen, spontaneous medical emergencies that you could in no way minimize or mitigate. Pet insurance never will cover a pre existing condition but I can save your ass (and your pets life) for a true emergency.
My downfall is when I see a need in others I give. That need might be time, money or other resources. Not a bad trait except sometimes I forget that I have to have food or heat or clothes too. I will be working on a budget this year that allows for me to give but in a more structured planned way. I have already said no a few times and while I am still not comfortable with doing so the hope is there that it will get easier.
It’s awesome to have such a great heart!! I had to do this with more structure too.. have a budgeted amount I can give out to others.. budget more time to help those that need my time versus money.. but even with that we cannot do it all so still have to “budget “ our time wise also… otherwise I am overwhelmed and grumpy lol
Thank you. I started doing this about 5 years ago. It has been a little out the window 2020 through now due to cancer and other medical issues along with my oldest cat getting diabetes. So I am working on stabilizing again and keeping track of the new expenses.
I can totally relate to this. The past few years were difficult for a lot of us and this pandemic made it worse for some, but it's overwhelming to see/read stories like this, I hope you can bounce back stabilize again as soon as possible. Keep the spirit and I wish you all the best. see you around :)
I have birds, finches and button quail. I budget their food into my food budget.....same for my daughter's birds. She's a teen and I'm trying to get her to pay for her own bird food, but the relationship is important to me, therefore I share my bird food with her when needed. Hoping she will learn by example:)
As someone who has always had a semi messed up relationship with money, I’m going to throw in here that the deserving it attitude is hard to break, but it can be done.
Hi Kate. I’m laying on the couch w my broken ankle binging on your old videos. Yes- we deserve it, but we don’t need to spend it. My parents are horrible with money and debt. My mom always tries to get me to purchase things with the excuse “you deserve it”. My response is - I do deserve it, but I don’t need it. I’d rather have that money in my savings rather than have more stuff.
Happy frugal Friday 💜 to 💙 with Kate 👍 May I add something that helped me after pay myself first I added a line item in my budget and called it Live below my means and then intentionally started putting a wee bit into it before expenses. You could start with £1/$1 then keep adding to it to grow the gap between income & expenses.
❤️ To💝 I have no high income. I find it worth to live frugal and don't feel deprived, because I KNOW : NOT SPENDING NOW gives me very much fun, good quality experiences/goods and great use and memories LATER. It's worth it, YOU ARE WORTH IT!!
As a student without money or very limited from within. I will only buy things when needed like you say such as food and basic daily requirenments. I will not buy anything for fun like techonology or fun things only one a year to save my mom and I money. And keep everything I have in good shape and take care of what I have as well to last longer. I will go on vacaction this year when summer is here which is a Fan Expo which does cost for a ticket howeverm only do things that are FREE which I learned from extreme cheapskate shows and bring food or try to if they allow outside food. Keep up with your content I learned a lot as well,
I flip the script sometimes and reframe the words 'I deserve it' to 'my future self deserve to have saving, retirement funds, debt free, no worries about money, security etc... so don't spend money now because future self will thank you one day'. I know this is a silly analogy but it just reframes the statement - you're still doing something for yourself but in the future. You will reap the benefits in time - maybe not right now but later in life. I think it's always good to have a balance and everything in moderation because if you restrict yourself too much (by never buying anything ever) then you might go overboard and you DID work hard for your money but while in debt/having no retirement plan / no savings instead of buying a new "couch, going on super expensive vacations that you can't afford, upgrading your phone, going for lavish spa treatments, updating / upgrading things '' rather treat yourself to something small like a Starbucks coffee/treat or buy 1 book or a candle you love - something that's more attainable and won't break the bank and you still get the psychological benefits and feel of "yeah - I deserve this" but you're not completely derailing your financial life😁❤️ as always love your channel Kate!!
I've really struggled in the past being influenced by others. We don't have a large income compared to a lot of our friends, and so seeing them spending freely really pushed us to spend more than we would have otherwise. I find that since having our children it's really inspired us to just focus on our family and how we're doing, and to stop comparing ourselves to anyone except our past selves (am I doing better than I was? How can I change it if I'm doing worse?). Now our biggest struggle is mostly just that we're tired! (a 3 year old and a 1 year old will do that to you lol) and so there are some days that I just don't want to cook. I do try to have quick stuff in the house to eat, or to make and freeze extras, but there are times that we run to the grocery store for a pizza or a chicken meal. I know it's not a lot compared to how much we were spending, or how much we could be spending if we got take out instead, but it's still stuff that's not really necessary.
I little progress is still a progress I may say. Having kids will make a little change in our priorities; we become more focused on our family than trying to go along with friends and catching up with how they spend their money and we become more disciplined when it comes to our finances because we want a better future for our family. Continue on that progress, and little by little I hope you can have both savings and investment. I wish you all the best and good job for being a good mother :)
Hi Kate- I love what you said that we can both acknowledge that we deserve to go on vacation or buy something and at the same time deserve financial peace. My word for the year is acceptance which I embraced from your book 📖 reading of “The Power of Now” where Eckhart Tolle said the key to stop suffering is acceptance of what is. There is also an old Spanish proverb that goes “God says: take what you want. And pay for it.” We can choose go spend on things we deserve, but the financial cost is what we have to pay for. We can choose to save wholeheartedly and the cost is discipline and adherence to the steps to achieve the goal. This reframe of thinking puts the power back in our hands and that gives us the wisdom and inner strength to act accordingly. It’s always our choice - we just have to pay for it.
Emotional spending! Going though hard relationship issues as well as health issues. I almost have the emergency fund complete thanks to no spend but i have slipped up the past few days. I need to forgive myself and keep on track for the next week and once my EF is complete I'm going to my favorite store (thrifting) to find myself a new outfit and donate everything that no longer fits me. Thanks kate
Sending you prayers for your currently relationship and health issues you are dealing with. Sending you love from this freezing state of Maine! :):) (A balmy 2 degrees today!)
Kate- your videos help me so much!! I get what you’re saying - it’s the “I deserve …”. What I do when I get the feeling I tell myself “Yes, but I also deserve to retire with dignity, have an emergency fund, and have financial peace.” On baby step 7 Ramsey and listening to him I’ve learned to say no to myself on frivolous stuff that don’t mean a lot to me. I’m listening to some of your videos again and it’s funny how we hear something differently the second time. I also heard this amazing quote :” your feelings are your feeling… but your actions shape you life.” I think that pairs so well with the 12 week year book club you are leading us through.
I still budget what I was making 6 years ago. As I paid bills off I allocated those funds to savings so I have savings built into my budget. What I take home over the budgeted amount goes to savings.
Thanks for posting this. I will carry with me an attitude of I deserve to be debt free, and financially stress free, therefore I will say no, to all impulse shopping.
Great video Kate. My biggest struggle is my husband and his wants/needs. He grew up poor in a large family and has ADHD so his patience to wait to purchase items is not his strong suit. It's not like he purchases "man toys" or things like that, it is mostly things for around the farm etc. He does like to stock up on things that he needs to get right away, I think it is the fear of missing out. We are really pretty frugal but I'm going for a no spend or very low spend 2022. I have some credit card debt to clear up which I should be able to clear up this year. We are both retired and have a good pension income so we just need to tighten up and live below our income. Thanks for the encouragement. My no-buy is going great so far.
Oh yes! Purchasing things for around the farm was my debt downfall!!. Then the farm was sold where I leased space for 20 years. Had to board my 3 horses, find homes for farm cats & rehome most all my chickens & roosters. Heart breaking, really tore up my budget, now I'm on SS until I'm physically able to find a part-time job. Hindsight is 20/20.
Thank you for the link, Kate! I liked the video so I know I have watched it before lol. But I watched it again. So I guess my way of doing it is the best way. 😘
Right on. Living below your means is everything. We just bought a new house and then my husband's job ended abruptly. The only reason I'm not freaking out is that we prepared for this scenario. We don't love it, but we are ready. Thanks to you and Dave Ramsey, we are ready. When I first saw "'Til Debt Do Us Part" I was obsessed with it. Full of so many cautionary tales.As always, you are the best and we are so lucky to have you. xo
Your channel has inspired me. I started to save for a down payment to purchase my very first home. It's crazy how much money I was wasting on things i barely use.
Excellent. Thank you. USA ex-pat living in safe, beautiful and clean Queretaro, Mexico. There are not any shortages here, and no limits. I do not have a problem getting my favorite foods via Amazon-Mexico. Grits, Louisiana hot sauce, Hormel Beef Tamales, Libby's corn beef hash, Campbell's Chicken Noodle, and chicken Rice-A-Roni. I do not eat pork, I love chicken wings , and smothered chicken bone in breast. USA became too deadly and expensive for this 79 years young retiree.
Beautiful reminder Kate.. I do deserve it… but I shouldn’t spend it….. AMAZING 🤩. Go you! Great video, love that u read every comment… love that u chat with private messages too. Go you !
Good points! One thing that I don’t understand is what I’ve seen from some is it’s not our “fault “ when we overspend in Target. I’m like Will whose fault is it the? Lol
Great way to summarize this financial goal for me this year: to live below my means!! I am working on staying ahead of my medical bills that are coming up, and I am saving for a couple trips so that I do not owe money for the trips after the trips are finished. Thanks, Take care🦋💗
As a natural saver I always squirrel away money to make sure we live under our means. I honestly can't stand to hear adults talking about deserving things. If we can't afford it we don't deserve it. It has become an excuse to put our wants over our needs.
I really struggle with eating out was shocked to see how much it was costing me once I started tracking. Plus the fact I don’t like to cook much. I’m trying to be more consistent with having food in the house. Last month I saved around $300 by reducing eating out.
Oh Janelle, I hear that! Just got a 40% off coupon from Kohls and of course my first thought was "okay what do I need?"...the answer is...NOTHING! HAAHAHHAHA! Not using it. Don't need anything.
Loved the heart to heart Kate! Yes we deserve some special treats, but we also deserve financial freedom! And if the treats get in the way of financial freedom then they can wait or I can choose a free or smaller treat instead🥰😁
Hey Kate! Hey Y’all! I struggle with craft items…. I watch HSN craft days and easily spend $200+. Usually MORE! I buy the stuff and never actually DO the crafts! I always SWEAR I WILL…. But don’t! There was a craft day airing this week. I tuned in for about 2 minutes then shut it off…. I was just going to watch for “ideas”, but knew it was a trigger, so I shut it off! Just paid my credit card off in full last week. Don’t want to rack up more debt! Eye on the prize…. Daughter’s wedding in October. Was planning on going to visit friends down south this summer, but I’m not sure I can swing it…. may have to wait until 2023.
Well that is so interesting! Thanks for sharing with us Laura. I never even think about craft supplies because I have no crafty skills and it doesn't interest me like it does so many others. You know me, I'm always making videos and choreographing! That's my crafty skills I guess:) Where do you put all your craft stuff? Do you have a couple friends or family that like doing crafts? Could you set up a small little craft party some weekend with snacks and drinks? That sounds fun!!!! OOOh daughter's wedding in October! YES! you're definitely going to want to save. You've got this!!!!!
I remember that episode with the vacation couple. Good stuff. Basic needs= Scorched Earth. Going scourched Earth on the budget, even for a month, can really help move the needle.
Buns is so adorable!! It's distracting because I love to see him being such a happy cat. Your tips and advice are so helpful! Thanks for making your videos, Kate.
Saved this to watch until the weekend! X Yup,your heart to heart is so spot on, I hear my friends say it all the time,mainly from those in debt :/ My biggest struggle is medical needs.
It’s such a simple concept, but so hard to implement. But if you take it a step at a time, it makes all the difference. People didn’t get into debt in one day, you can’t solve it in one day.
i have missed your videos this week! totally with you on this concept vs this reality! sailing through and seeing the benefits of a no spend January shooting for the 1st quarter no spend!
I agree about the "I deserve it mentality". I know so many people that live that way about everything. They spend way too much on groceries, vacations, little things everyday then struggle and stress through their life, but don't see it's them causing it. I'm teaching my son all the time about the difference between need and want. I want him to realize that some of the things he wants right now won't actually benefit him in the future. I ask him, how long will this be needed or benefit you? Will you want this in two years? etc. That way he will see if it's really worth having and spending money on that he traded his time for that he will never get back.
Enjoy watching your videos, they are so encouraging, my biggest struggle is getting used to having a payday of once month instead of weekly I recently had to quit work and go on disability, where I worked was each work station had to be maintained so I was mandated to work when someone called in from the next shift, which was overtime for me
Great message-You nailed it. Thank you. While we all "do deserve it" there are easy substitutes that can give us that same satisfaction. For example you have the ability to substitute a bubble bath for a spa visit, a pizza you make from scratch for take out pizza, or a free ebook from the library that you wait 6 months for rather than an online ebook order. Sounds easier said than done however, I work at adjusting my mindset and see the difference it makes in living below our means. In a world where we are surrounded by instant gratification a pause when the "I deserve it" thoughts surface can really help. Thanks Kate-so inspiring.
omg i KNEW you were going to say "i deserve it"! That is such a bad mindset. I can think of a family close to me that feels that way and they are in such bad financial shape and always have been largely because of the word "deserve". For example still working at age 70 because they have no choice. what good people really deserve is **to be out of debt!!!***
I totally agree with this! Too much entitlement for a reward or gratification can lead to overspending and we always justify it that way, but no, it should not work that way. Thinking long-term can save us in a lot of financial trouble in the future, having enough savings and investment instead of unwise spending is always a wiser move.
Happy frugal Friday Kate and Ksquad. From watching reality shows I've come to detest the "I deserve more, better, fill in the blank" talk. It really triggers me now. It's just a way to justify what someone wants not NEEDS. I am planning a no/low spend year. My focus is paying down my mortgage and working on my home to make it the place I want it to be. Bought a lot of supplies last year and just need to get done the small repairs, paint and deep cleaning to make my home my sanctuary. Finding joy and being grateful for what you have really helps you live frugally and contently.
Great content... you're right, the math in this formula will never lead you wrong! I just turned 55, my son will leave for college in August...my biggest struggle is not making some house updates(mainly the bathrooms) or updating my crumbling deck. I just fear spending that money when I want/need to keep it in my sinking budget. I have gotta feeling, I will be reaching into it often for campus parking tickets, late fees at the library, etc...Plus, although the housing market is currently hotter than a hooker, I don't know if I will keep this house or downsize when he leaves so it feels like a big gamble...ugh, I so wish I had a crystal ball!
I do still go to get my hair done once a month. That's my "I deserve it" and it's in my budget. I am not eating out or using credit cards. I'm actively paying down debt. I will get there and still look good!
I struggle with buying coffee from McDonald's specifically, and it's easy to add a muffin on with it. And I've got kids so sometimes they want something. It's a terrible habit that can add up to a lot by the end of the month. That's one of my bad money habits.
This is really an inspiring video and always on-point! I hope a lot of people can learn from this. It's time for us to focus on ourselves and to what really matters and it's time for us to think of long-term so I hope everyone can stop spending money on unnecessary things and perhaps just invest and save that for the future. If we don't change our ways of living, how can we expect a change in our status financially.
Good advice. I’m self-employed so have variable income. I’ve been budgeting based on expectation of income, but in months like September, when I only made $302 for the month, I went deeper in debt. I’m going to switch to budgeting based on last year’s annual income divided by 12. I’m already living in a camper, so not sure how to live any lower. :-)
Great video as always. Mr. Bunns made some great comments too, lol. I started a temp job this week, so yes I have fluctuations in income. Retirement income is my base budget I live on. Contract job income is used mostly for savings - and a little fun money. First goal - fully fund my sinking funds for 2022. This includes car insurance, birthdays and Christmas for 2022. After that - save up for a newer car! My car is 19 years old - planning ahead for when the car "dies". I am concerned about rising prices with food, gas and heating. No spend January has helped me see where I can cut back so I can 'keep up' with inflation.
"Where there is a will, there is a way." A true story. I know a woman who left a violent marriage in the dead of night with her two young children, and what she could fit into her car, driving from the west coast to Texas. No child support - nothing. Twelve years later, Mary was still working three waitress jobs, including one in a family owned restaurant. They loved her from day one, and "adopted" her and her children into the family. Besides running the restaurant for 40+ years, the owners (who are amazing people) had started buying rental property beginning in the 1980s in Austin. Mary learned how to buy property from them, and on a triple waitress salary, she bought her own home, and has purchased two rental properties. The owner told me, "Anything Mary touches turns to gold." Mary does not see obstacles, she sees opportunities everywhere, and she makes every dollar do the work of five dollars. "Where there is a will, there is a way."
Yes, there there is a will there is a way!
A damn good motivational story. Thank you for telling her story. 🤔🙂
I deserve to live debt free. I deserve to live in my own tiny home that I can easily afford and maintain.
YASSSS!!!!! Becky this sounds great!
Hello Kate! Great video! I have definitely struggled some times with the ‚I deserve it‘ trap. However a couple years ago I found the solution for me. Whenever I find myself justifying something with ‚I deserve it‘ I say to myself: Yes, I deserve it. But I deserve freedom more than anything and that’s why I choose not to buy it. I know freedom of financial worries will give me peace of mind and that’s the greatest gift to my future self. 😊
Nice one Lola
YASSSSSSS LOLA!!!!!!!!
This is great! Thanks Lola! I will try it!
Happy Frugal Friday! Because I sometimes spend money mindlessly, out of default, I write on the calendar 3-4 days that are “No Spends”…if I go to town (I live in the country) to run an errand, I have to constantly remind myself it’s a no-spend day, & try to do things that are free - go to the library, walk at a park, sit in the sunshine, call/text a friend, go through the car wash (monthly membership), drive through a neighborhood that inspires me, etc.
I bring something to eat & drink with me to help curb that temptation! When I get home, I feel good about myself…if I stuck with it! 🤣
Love this Denise! Thank you so much for sharing with us!
@@sdmartin00 Yes! I always feel like I need to batch errands & do it all when I go to town!
Not eating out is super hard for me. I can go without new clothes, makeup, household, etc, etc but man I love eating out 😂
Ohh!! Well in that case, going forward, you can definitely build eating out into your budget! It's that's the thing you love most, skimp on the things you don't care about and go out to eat! :) Thank you so much for sharing with us Katie!
Saving money and planning is a form of self care. I deserve not to live in complete poverty in my old age, so I’m planning for this now.
YESSSS Joanna!
I have lived on a zero-based budget for decades. I created a template for the smallest bi-weekly check which enabled me to live below my means most of the time. I wear thrift store clothes and make my own meals .
Nice Nia!!!! Thank you so much for sharing with us. I'm so glad you're here!
That's a really good idea
Thanks Kate! These old videos NEVER grow old. The biggest struggle I have is the high inflation of 2023 and 2024
Thank you so much Judith!
Yes it's still very relevant in 2024!
I think I struggle the most with impulse buying and saying "no". It's my extras at the grocery store if I don't do a pre-order and pickup, it's my husband's little charges at the gas station for soda fountain drinks, waters, energy shots, etc. that add up remarkably quick. It's saying "no" to buying something online to cheer myself up or make me feel like I'm having fun if I'm struggling with seasonal blues.
Hi Catherine! Seasonal blues can be brutal. Thank you for sharing with us! I am cheering you on! I'm so glad you are here.
Kate - once again you hit the Commonsense target in the bullseye. We live in such 'give me NOW' times that saving or waiting for something doesn't seem to enter our minds. Being bombarded daily with hundreds of ads telling us we have to have this or that doesn't help. There's a saying 'the joy is in the journey' which to me also says it gives me something to look forward to having or doing. I'm planning to take a vacation this spring and it'll be a totally cash/debit card vacation. I can return home without having any bills from it, so I know that will mean I'll enjoy it even more.
I absolutely agree with. Perfectly said
Thank you so much!!! YASSSS!!!!
As always Kate great video! For me, the greatest form of self care is peace. I look at saving and investing as "buying" peace of mind. It gives me the feeling of a purchase
LOVE THIS!
I miss traveling but leaving below my means is as ingrained as breathing. Saving for a house and I am totally focused on that goal. Blessings to everyone!
Love this Kimberly!
It’s really tough but I was able to save 6 months worth of mortgage emergency money in case I loose my job. We do live in a materialistic world but you do need to prioritize what really is important. No one’s gonna pay your bills except yourself! Love you girl!!
❤️wise words, live below your means!! Covid-19 has altered our lives, we found eating at home more, entertaining ourselves at home more, less need for new clothes, etc. it’s changed our habits for sure.
Totally!!!
The biggest hurdle for me is sometimes finding balance. Saving for the future but still remembering to enjoy today. I’m always planning a future but need to remember this is the one day I have for sure.
YASSS!!! I hear that!
Large furniture purchases are the category that tends to stress out me and my budget. I have hand-me down and second hand furniture, but have needed to buy a few addition pieces (couch, bed, mattress) for my house. These purchases are large compared to my typical spending and straddle the need/want category for me which I think is what makes them stressful. Sure I could have a room with no furniture, but that seems impractical. My current strategy is to prioritize which items are most essental, do lots of research to find the best value, and stagger the purchases over time.
Hi MsShadowLlama! Thanks for sharing with us! Large furniture purchases are like..AHHH!!!!
If your matress is pretty good you may want to just buy a good topper for it for now as to have more money gor the bed I have a good one I got on sale but would really like to have a MyPillow mattress topper but cant afford it now..
Thank you Buns...such profound knowledge!and thank you Kate for such accurate translation
He knows a LOT! HAHAHAH! You are very welcome Jennifer. So glad you're here!
The friends I hang around determines how much I spend. Sometimes, I feel pressured to spend more money around certain people. Learning to say “no” or offering a free activity instead feels more freeing with those certain friends.
I totally hear that! I feel that too:)
My biggest struggle is those one or two things that I think/feel I need to eventually impress people online that I interact with bcuz of my hobbies. Period,
I so agree with this. What you said about 'deserving vs. can i afford it' (paraphrasing...) It's true. We can find less expensive ways to have some deserved jollies--on the cheap. This is how I stay sane while cutting expenses and saying 'no' to myself....by allowing myself free or cheap thrills like an hour with a book I already own...a special food or dinner made at home...time outdoors, etc....whatever your thing is.
Thanks for the great advice!
You are very welcome. I'm so glad you're here!
Beware also when you’re married about having the same mindset as your spouse. My husband, when he was working, would always use the phrase, “It’s only money, I’ll make more tomorrow.” Then when tough times hit with his job, things went downhill real fast. It’s the mindset of someone who believed that because they worked and had a crap upbringing they just deserved everything and anything they wanted. Things have stabilized through the years, but there were some really tough years and a lot of wasted time that you just can’t get back.
I'm watching this video again after one year and it's so refreshing to hear the suggestions for a second time.
Love this! Thanks so much for being here!
My biggest struggle is when expenses come up that I didn't budget for. Example: my dog had $256.00 emergency vet bill. We have a sinking fund to cover her regular bills, not an emergency. Sometimes I find myself taking categories that are over funded and using them to cover expenses that are unplanned. It usually works out but can make my budget very messy.
Hey readerbabe! Hmmm okay here's one idea possibly that might help? Do you have a budget buffer? Here's a video on it in case it's useful! ua-cam.com/video/AgBh7tXyslA/v-deo.html
Dude. Pet insurance is the way to go. For true emergencies. I work in pet insurance and assess claims for 6, 7, 8+ k. Dog ate a sock, cat jumped and fell from kitchen counter, owner gave the dog ibuprofen, spontaneous medical emergencies that you could in no way minimize or mitigate. Pet insurance never will cover a pre existing condition but I can save your ass (and your pets life) for a true emergency.
What pet insurance do you recommend?
My downfall is when I see a need in others I give. That need might be time, money or other resources. Not a bad trait except sometimes I forget that I have to have food or heat or clothes too. I will be working on a budget this year that allows for me to give but in a more structured planned way. I have already said no a few times and while I am still not comfortable with doing so the hope is there that it will get easier.
It’s awesome to have such a great heart!! I had to do this with more structure too.. have a budgeted amount I can give out to others.. budget more time to help those that need my time versus money.. but even with that we cannot do it all so still have to “budget “ our time wise also… otherwise I am overwhelmed and grumpy lol
@@atdepaulis So true Amy...feeling overwhelmed and grumpy defeats the whole purpose of giving with a joyful heart.
I LOVE THIS! I can tell you are an amaaazing person and I love your plan! Keep giving and takie care of your needs. YASSS!
My goal is to be debt free but June and have 6 months expenses by December
YASSSS!
Thank you. I started doing this about 5 years ago. It has been a little out the window 2020 through now due to cancer and other medical issues along with my oldest cat getting diabetes. So I am working on stabilizing again and keeping track of the new expenses.
I can totally relate to this. The past few years were difficult for a lot of us and this pandemic made it worse for some, but it's overwhelming to see/read stories like this, I hope you can bounce back stabilize again as soon as possible. Keep the spirit and I wish you all the best. see you around :)
A large chunk of my budget goes to the health and welfare of my 6 cats. I enjoy taking care of them. They bring me joy.
I have birds, finches and button quail. I budget their food into my food budget.....same for my daughter's birds. She's a teen and I'm trying to get her to pay for her own bird food, but the relationship is important to me, therefore I share my bird food with her when needed. Hoping she will learn by example:)
OH YES! Gotta take care of those cats!!!!
As someone who has always had a semi messed up relationship with money, I’m going to throw in here that the deserving it attitude is hard to break, but it can be done.
Hi Kate. I’m laying on the couch w my broken ankle binging on your old videos. Yes- we deserve it, but we don’t need to spend it. My parents are horrible with money and debt. My mom always tries to get me to purchase things with the excuse “you deserve it”. My response is - I do deserve it, but I don’t need it. I’d rather have that money in my savings rather than have more stuff.
Rachel! I'm so sorry to hear about your broken ankle! Sending you all the quick healing vibes!!!
Happy frugal Friday 💜 to 💙 with Kate 👍 May I add something that helped me after pay myself first I added a line item in my budget and called it Live below my means and then intentionally started putting a wee bit into it before expenses. You could start with £1/$1 then keep adding to it to grow the gap between income & expenses.
Love this!! Thank you as always Sandra! YOU ROCK!
I love way you think! Keep those wee bits working for you!💷have a great weekend ❤️
❤️ To💝 I have no high income. I find it worth to live frugal and don't feel deprived, because I KNOW : NOT SPENDING NOW gives me very much fun, good quality experiences/goods and great use and memories LATER. It's worth it, YOU ARE WORTH IT!!
Thank you so much for sharing with us!
Keep squeezing Piglets bank 😊
@@sandrafromscotland I will squeeze Sandra! It's so empowering to gain control and have good/ happy live
As a student without money or very limited from within. I will only buy things when needed like you say such as food and basic daily requirenments. I will not buy anything for fun like techonology or fun things only one a year to save my mom and I money. And keep everything I have in good shape and take care of what I have as well to last longer. I will go on vacaction this year when summer is here which is a Fan Expo which does cost for a ticket howeverm only do things that are FREE which I learned from extreme cheapskate shows and bring food or try to if they allow outside food. Keep up with your content I learned a lot as well,
I love this!!!! I love how you said take care of what I have to last longer...YES YES YES!
So glad you're here!
I flip the script sometimes and reframe the words 'I deserve it' to 'my future self deserve to have saving, retirement funds, debt free, no worries about money, security etc... so don't spend money now because future self will thank you one day'. I know this is a silly analogy but it just reframes the statement - you're still doing something for yourself but in the future. You will reap the benefits in time - maybe not right now but later in life. I think it's always good to have a balance and everything in moderation because if you restrict yourself too much (by never buying anything ever) then you might go overboard and you DID work hard for your money but while in debt/having no retirement plan / no savings instead of buying a new "couch, going on super expensive vacations that you can't afford, upgrading your phone, going for lavish spa treatments, updating / upgrading things '' rather treat yourself to something small like a Starbucks coffee/treat or buy 1 book or a candle you love - something that's more attainable and won't break the bank and you still get the psychological benefits and feel of "yeah - I deserve this" but you're not completely derailing your financial life😁❤️ as always love your channel Kate!!
Love this Helanie😻🥰❤️
I've really struggled in the past being influenced by others. We don't have a large income compared to a lot of our friends, and so seeing them spending freely really pushed us to spend more than we would have otherwise.
I find that since having our children it's really inspired us to just focus on our family and how we're doing, and to stop comparing ourselves to anyone except our past selves (am I doing better than I was? How can I change it if I'm doing worse?). Now our biggest struggle is mostly just that we're tired! (a 3 year old and a 1 year old will do that to you lol) and so there are some days that I just don't want to cook. I do try to have quick stuff in the house to eat, or to make and freeze extras, but there are times that we run to the grocery store for a pizza or a chicken meal. I know it's not a lot compared to how much we were spending, or how much we could be spending if we got take out instead, but it's still stuff that's not really necessary.
I little progress is still a progress I may say. Having kids will make a little change in our priorities; we become more focused on our family than trying to go along with friends and catching up with how they spend their money and we become more disciplined when it comes to our finances because we want a better future for our family. Continue on that progress, and little by little I hope you can have both savings and investment. I wish you all the best and good job for being a good mother :)
Thank you Buns & Kate for keeping it simple!
I started a small vegetable garden in pots I have 🍅 carrots and spring onions and lettus
Hi Kate- I love what you said that we can both acknowledge that we deserve to go on vacation or buy something and at the same time deserve financial peace. My word for the year is acceptance which I embraced from your book 📖 reading of “The Power of Now” where Eckhart Tolle said the key to stop suffering is acceptance of what is. There is also an old Spanish proverb that goes “God says: take what you want. And pay for it.” We can choose go spend on things we deserve, but the financial cost is what we have to pay for. We can choose to save wholeheartedly and the cost is discipline and adherence to the steps to achieve the goal. This reframe of thinking puts the power back in our hands and that gives us the wisdom and inner strength to act accordingly. It’s always our choice - we just have to pay for it.
OMG, Annie, I love this!!!!
Emotional spending! Going though hard relationship issues as well as health issues. I almost have the emergency fund complete thanks to no spend but i have slipped up the past few days. I need to forgive myself and keep on track for the next week and once my EF is complete I'm going to my favorite store (thrifting) to find myself a new outfit and donate everything that no longer fits me. Thanks kate
Sending you prayers for your currently relationship and health issues you are dealing with. Sending you love from this freezing state of Maine! :):) (A balmy 2 degrees today!)
A saying that really helps me is..."Peace begins where expectations end"
That’s good! Thanks for sharing!
YASSS! Thanks Cathy!
The price of anything is the amount of life exchanged for it. (...LOVE THIS REMINDER)
Kate- your videos help me so much!! I get what you’re saying - it’s the “I deserve …”. What I do when I get the feeling I tell myself “Yes, but I also deserve to retire with dignity, have an emergency fund, and have financial peace.”
On baby step 7 Ramsey and listening to him I’ve learned to say no to myself on frivolous stuff that don’t mean a lot to me. I’m listening to some of your videos again and it’s funny how we hear something differently the second time. I also heard this amazing quote :” your feelings are your feeling… but your actions shape you life.” I think that pairs so well with the 12 week year book club you are leading us through.
Thank you so much Amy!!!!! YOU ROCK!
I still budget what I was making 6 years ago. As I paid bills off I allocated those funds to savings so I have savings built into my budget. What I take home over the budgeted amount goes to savings.
That is AWESOME TC!
Thanks for posting this. I will carry with me an attitude of I deserve to be debt free, and financially stress free, therefore I will say no, to all impulse shopping.
YASSS ANIKO!!!! You are very welcome!
I come here to learn and to be inspired. So do tell everything:) tell that we dont need to buy even if we deserve😀 and dont apologise for truth💖
Thank you so so much Milda!!!!
Great video Kate. My biggest struggle is my husband and his wants/needs. He grew up poor in a large family and has ADHD so his patience to wait to purchase items is not his strong suit. It's not like he purchases "man toys" or things like that, it is mostly things for around the farm etc. He does like to stock up on things that he needs to get right away, I think it is the fear of missing out. We are really pretty frugal but I'm going for a no spend or very low spend 2022. I have some credit card debt to clear up which I should be able to clear up this year. We are both retired and have a good pension income so we just need to tighten up and live below our income. Thanks for the encouragement. My no-buy is going great so far.
Hi Allison! This has been a common response, it turns out...the SPOUSE! Thank you so much for sharing with us and I'm so glad you are here!
Oh yes! Purchasing things for around the farm was my debt downfall!!. Then the farm was sold where I leased space for 20 years. Had to board my 3 horses, find homes for farm cats & rehome most all my chickens & roosters. Heart breaking, really tore up my budget, now I'm on SS until I'm physically able to find a part-time job. Hindsight is 20/20.
Thank you for the link, Kate! I liked the video so I know I have watched it before lol. But I watched it again. So I guess my way of doing it is the best way. 😘
I love when you said if I lost my job what would I have to pay for and your cat was like me🤣
😂
Buns is a whole lot smarter than some of the humans I have met 🐈 😻
HAHAHAHAH!!!!! He's definitely a smarty pants! (with no pants) HAHAHA
Right on. Living below your means is everything. We just bought a new house and then my husband's job ended abruptly. The only reason I'm not freaking out is that we prepared for this scenario. We don't love it, but we are ready. Thanks to you and Dave Ramsey, we are ready. When I first saw "'Til Debt Do Us Part" I was obsessed with it. Full of so many cautionary tales.As always, you are the best and we are so lucky to have you. xo
Yasss!!! Me toooo! 🥰🥰
You are the straight-talking sister or aunt we all need. This is so needed! I writing before I even finish the video.
Thank you so so much Jackie!
OMG til debt do us part! It's my fav 😆❤️🤷
We have a guinea pig named Buns.
OMG!!! Great name!
Your channel has inspired me. I started to save for a down payment to purchase my very first home. It's crazy how much money I was wasting on things i barely use.
Evelyn I'm so happy for you! I'm so glad you're here and I'm so excited about you saving for the down payment on your very first home!!!!
Excellent. Thank you. USA ex-pat living in safe, beautiful and clean Queretaro, Mexico.
There are not any shortages here, and no limits. I do not have a problem getting my favorite foods via Amazon-Mexico. Grits, Louisiana hot sauce, Hormel Beef Tamales, Libby's corn beef hash, Campbell's Chicken Noodle, and chicken Rice-A-Roni.
I do not eat pork, I love chicken wings , and smothered chicken bone in breast.
USA became too deadly and expensive for this 79 years young retiree.
Beautiful reminder Kate.. I do deserve it… but I shouldn’t spend it…..
AMAZING 🤩. Go you! Great video, love that u read every comment… love that u chat with private messages too. Go you !
Thank you so much Melissa! I appreciate you all SO SO MUCH! So glad my videos are being helpful.
My biggest one is the spectrum can't give anything cheaper to fit my needs
Good points! One thing that I don’t understand is what I’ve seen from some is it’s not our “fault “ when we overspend in Target. I’m like Will whose fault is it the? Lol
YEOWWZA!!!! Right?? LOL!
Great way to summarize this financial goal for me this year: to live below my means!!
I am working on staying ahead of my medical bills that are coming up, and I am saving for a couple trips so that I do not owe money for the trips after the trips are finished.
Thanks,
Take care🦋💗
YASSS Karin!!!
As a natural saver I always squirrel away money to make sure we live under our means. I honestly can't stand to hear adults talking about deserving things. If we can't afford it we don't deserve it. It has become an excuse to put our wants over our needs.
I heat that Abra!!! AHHH!!!
I really struggle with eating out was shocked to see how much it was costing me once I started tracking. Plus the fact I don’t like to cook much. I’m trying to be more consistent with having food in the house. Last month I saved around $300 by reducing eating out.
Shopping sales are my biggest weakness for items that I think I “need”.
Oh Janelle, I hear that! Just got a 40% off coupon from Kohls and of course my first thought was "okay what do I need?"...the answer is...NOTHING! HAAHAHHAHA! Not using it. Don't need anything.
Loved the heart to heart Kate! Yes we deserve some special treats, but we also deserve financial freedom! And if the treats get in the way of financial freedom then they can wait or I can choose a free or smaller treat instead🥰😁
YASSSS lovebug! THANK YOU!
Hey Kate! Hey Y’all! I struggle with craft items…. I watch HSN craft days and easily spend $200+. Usually MORE! I buy the stuff and never actually DO the crafts! I always SWEAR I WILL…. But don’t! There was a craft day airing this week. I tuned in for about 2 minutes then shut it off…. I was just going to watch for “ideas”, but knew it was a trigger, so I shut it off! Just paid my credit card off in full last week. Don’t want to rack up more debt! Eye on the prize…. Daughter’s wedding in October. Was planning on going to visit friends down south this summer, but I’m not sure I can swing it…. may have to wait until 2023.
Well that is so interesting! Thanks for sharing with us Laura. I never even think about craft supplies because I have no crafty skills and it doesn't interest me like it does so many others. You know me, I'm always making videos and choreographing! That's my crafty skills I guess:) Where do you put all your craft stuff? Do you have a couple friends or family that like doing crafts? Could you set up a small little craft party some weekend with snacks and drinks? That sounds fun!!!! OOOh daughter's wedding in October! YES! you're definitely going to want to save. You've got this!!!!!
Hi Kate. This is Becky from This and That with Denise Jordon. I’m looking forward to following your channel. Becky out of Miami 😎🌴🏊🏽♀️🏝💃🏽👍🏽🌞
BECKY! I’m so glad you are here! Welcome to the family!!!
Haha your cat was like I know the answers! Listen to me Karen! 🤣😂🤣
BHAHAHAHAHAHHA!!!!!! You heard it too? HAHAHAHA! YASSS
I remember that episode with the vacation couple. Good stuff. Basic needs= Scorched Earth. Going scourched Earth on the budget, even for a month, can really help move the needle.
I love Buns so much! Reminds me of my chatty goober
Awww! He's a sweet, sweet boy!
I’m an impulse spender, and I tell myself “I deserve it” a lot, so your talk really helped.
I'm so glad!!! Thank you for sharing with us!!
You fill my heart! Another great video!
Thank you so much Tressa!
Buns is so adorable!! It's distracting because I love to see him being such a happy cat. Your tips and advice are so helpful! Thanks for making your videos, Kate.
That Buns!!!! He cracks me up! Thank you so much Becky!
I think Buns was saying "cut $ on your stuff! I still expect my toys, treats, and food!"
Saved this to watch until the weekend! X
Yup,your heart to heart is so spot on, I hear my friends say it all the time,mainly from those in debt :/
My biggest struggle is medical needs.
It’s such a simple concept, but so hard to implement. But if you take it a step at a time, it makes all the difference. People didn’t get into debt in one day, you can’t solve it in one day.
i have missed your videos this week! totally with you on this concept vs this reality! sailing through and seeing the benefits of a no spend January shooting for the 1st quarter no spend!
YASSS KATE!
I’d like to try a first quarter no spend with you.
I agree about the "I deserve it mentality". I know so many people that live that way about everything. They spend way too much on groceries, vacations, little things everyday then struggle and stress through their life, but don't see it's them causing it. I'm teaching my son all the time about the difference between need and want. I want him to realize that some of the things he wants right now won't actually benefit him in the future. I ask him, how long will this be needed or benefit you? Will you want this in two years? etc. That way he will see if it's really worth having and spending money on that he traded his time for that he will never get back.
Enjoy watching your videos, they are so encouraging, my biggest struggle is getting used to having a payday of once month instead of weekly I recently had to quit work and go on disability, where I worked was each work station had to be maintained so I was mandated to work when someone called in from the next shift, which was overtime for me
Great message-You nailed it. Thank you. While we all "do deserve it" there are easy substitutes that can give us that same satisfaction. For example you have the ability to substitute a bubble bath for a spa visit, a pizza you make from scratch for take out pizza, or a free ebook from the library that you wait 6 months for rather than an online ebook order. Sounds easier said than done however, I work at adjusting my mindset and see the difference it makes in living below our means. In a world where we are surrounded by instant gratification a pause when the "I deserve it" thoughts surface can really help. Thanks Kate-so inspiring.
You are very welcome!! Thank you so much for watching 🙏🥰
Gooood morning! Happy Frugal Friday, K-Squad!!! 😀
Gooood morning Alexandria! HAPPY FRUGAL FRIDAY!
omg i KNEW you were going to say "i deserve it"! That is such a bad mindset. I can think of a family close to me that feels that way and they are in such bad financial shape and always have been largely because of the word "deserve". For example still working at age 70 because they have no choice. what good people really deserve is **to be out of debt!!!***
I totally agree with this! Too much entitlement for a reward or gratification can lead to overspending and we always justify it that way, but no, it should not work that way. Thinking long-term can save us in a lot of financial trouble in the future, having enough savings and investment instead of unwise spending is always a wiser move.
Hello Kate and people!😊
Hi.
HELLO MISSNEWSKY!!!
Happy frugal Friday Kate and Ksquad. From watching reality shows I've come to detest the "I deserve more, better, fill in the blank" talk. It really triggers me now. It's just a way to justify what someone wants not NEEDS. I am planning a no/low spend year. My focus is paying down my mortgage and working on my home to make it the place I want it to be. Bought a lot of supplies last year and just need to get done the small repairs, paint and deep cleaning to make my home my sanctuary. Finding joy and being grateful for what you have really helps you live frugally and contently.
Happy weekend Rita! I hear this!!! Right? AHHH!!!!! Thank you for sharing with us. So glad you're here.
Hi Kate. Rewatch 17.02.22 pictured a flow chart during your from the heart questions to ask yourself might be good idea for your website 💡
Great idea!
Great content... you're right, the math in this formula will never lead you wrong! I just turned 55, my son will leave for college in August...my biggest struggle is not making some house updates(mainly the bathrooms) or updating my crumbling deck. I just fear spending that money when I want/need to keep it in my sinking budget. I have gotta feeling, I will be reaching into it often for campus parking tickets, late fees at the library, etc...Plus, although the housing market is currently hotter than a hooker, I don't know if I will keep this house or downsize when he leaves so it feels like a big gamble...ugh, I so wish I had a crystal ball!
Hi there! Loved reading your comment! Oooh yes a crystal ball would be great😁🥰🙏
I do still go to get my hair done once a month. That's my "I deserve it" and it's in my budget. I am not eating out or using credit cards. I'm actively paying down debt. I will get there and still look good!
I struggle with buying coffee from McDonald's specifically, and it's easy to add a muffin on with it. And I've got kids so sometimes they want something. It's a terrible habit that can add up to a lot by the end of the month. That's one of my bad money habits.
Thank you for sharing with us Melissa!
I couldn’t agree more about the deserve it mentality. Well said. 🙌
Thank you so much Joel and Christy!
I'm retired and hubby works part time. I save money by sending him to the grocery store and also by staying home. When I stay home, I save:)
Definitely Pam!
Thanks for the kinds words of truth ... my word of the year is "TRUTH"!!
PERFEEECCT! LOL! Thank you so much Michelle!
This is really an inspiring video and always on-point! I hope a lot of people can learn from this. It's time for us to focus on ourselves and to what really matters and it's time for us to think of long-term so I hope everyone can stop spending money on unnecessary things and perhaps just invest and save that for the future. If we don't change our ways of living, how can we expect a change in our status financially.
I love how vocal your cat is! :p
He talks non stop! HAHAHAH!
Your video happened to appear on my timeline and I immediatelt subsribed! Great tips Kate! Thank you!!
Welcome to the family Nurry! So glad you're here!
@@KateKaden Thank you so much for your warm welcome!
Good advice. I’m self-employed so have variable income. I’ve been budgeting based on expectation of income, but in months like September, when I only made $302 for the month, I went deeper in debt. I’m going to switch to budgeting based on last year’s annual income divided by 12. I’m already living in a camper, so not sure how to live any lower. :-)
Thank you so much for sharing with us! I'm so glad you're here.
Great video and message. We all deserve the peace that paid off debt and being able to pay our bills brings!!
Saw that meme and at one time could relate. Now, children are grown, I’m retired and widowed, so most no longer applies!
YASSS Sheila!
Hello all.. testing.. Groetjes from the Netherlands!!! 🤩
Hi Nimzo!
What a powerful video! Thank you Kate. You are such a inspiration 💕💕
Thank you so much🙏🙏
Thank you for this great video. I spend too much on food.
You’re very welcome! Thanks for watching!
Excellent Lady 😘thank you !
Man when you list out everything we have to do it is overwhelming!!!!
Right? Ughhhh! Too much
Great video as always. Mr. Bunns made some great comments too, lol. I started a temp job this week, so yes I have fluctuations in income. Retirement income is my base budget I live on. Contract job income is used mostly for savings - and a little fun money. First goal - fully fund my sinking funds for 2022. This includes car insurance, birthdays and Christmas for 2022. After that - save up for a newer car! My car is 19 years old - planning ahead for when the car "dies".
I am concerned about rising prices with food, gas and heating. No spend January has helped me see where I can cut back so I can 'keep up' with inflation.
Oooh a temp job! Awesome Donna! Hope you enjoy it while making some cash!