Informative video right here!!! Thank you for the video. And to the person reading this comment, I'm wishing you a life where mindful spending and conscious choices lead to greater contentment, financial stability, and a sustainable future.
Yep I have a "wish list" on Amazon - and sometimes items live in there for months. It was fun shopping, but when it comes down to do I really need it? In the end I only selectively buy a couple things once in a while that I still think I can't live without.
Hi George, when l first began reading your comment, which l loved, l thought you were joking around. However, right after my initial thought, I immediately knew that what you conveyed was very serious. Thanks for sharing!
I have learned to be frugal. I was terrible with money all of my life. Now I am crazy about saving money. I really have cut back sooo many expenses and groceries. Our house is paid off. Taxes and insurance are still a cost. I ❤ finding ways to save. Our property taxes are now frozen because we proved we were low income for three years. We also get a veteran discount of 2,000 dollars off the value. So I prepay the monthly cost of 1/2th the taxes so I am never surprised by a tax bill. (Thank God). That happened to me once. It will never happen again. I shopped around for low house and car insurance. Soooo our housing cost is $250.00 a month. Fixed! No rent payment for us!
Love these tips!! One of the most important to me is being frugal, and still finding more and more ways to do so. That helped me stash as much money as possible into my savings account and to have no bills. The second one that saved me was, for the first eleven years I was totally on my own, to have one 40-45 hour per week job along with two side hustles. I did everything from cleaning homes, working for the Health Dept. as a home caregiver, having an Etsy shop for 5 years, doing laundry for residents at the long term care facility I worked at, and selling crafts and sewing for people. I was blessed to be able to fine all of those jobs!! Thank you Sara for more great advice!
Ah...the side hustle is a great way to bring in extra income. However, we must remember to find joy and not let being frugal get in the way of that. Life is short. Save for fun! Thank you for watching!
How about buying a “step down” car? One that has a lot of the features without the big sticker price? It may not be a Mercedes but you don’t have the expensive Nercedes repairs either! ❤
I note that the background photos of several videos in your series portray very very elite lifestyles, contrary to what I believe are your overall themes. Clarification, please?
I'm a write it down girl with a calculator. I write down how much I have and a list of bills that need paying. Rent is PRIORITY, then utilities. Once that is paid, then weekly and saving. AFTER that what is left over. Its extra like a safety net. I DONT NEED it but its peace of mind if something unexpected comes up and I call it Spare money. If it doesn't get used that month, then it goes in to saving. I think physically writing it down and seeing what u actually have every month helps, so u know what you actually have and where it needs to go.
@@saraconklinfrozenpennies Single parent for 15 years and having to unlearn 20 years of bad money advice from my parents. I'm slightly envious of you when you say the women in your family are frugal. My mum was complete opposite and got into lots of debt and gave me bad habits that I've had to unlearn. But being frugal I'm debt free and in credit with my bills. I work hard to make sure my kids are good with money and saving..
Get rid credit cards get rud of car payments so save this instead cut down takeaways track your spending live beneath theur means beauty cut nails cut entertainment reduce
Yes living off my pension renting government home with second hand furniture is enough as i live below my means though i have an investment wich i receive income i have disability care for my 26 year old twin daughters who suffer from heart arythmia
What kind of salarys do you have in The states? 100 000 dollar a year! Thats 1.2 millions swedich crones. I make 360 000 crownes a year. And to that 33% tax. I get out 2000$ a month after tax. And here i Sweden a gallon of gas cost 8.5 dollar And a bottle of cetchup cost 4 $.
I think the amount depends on what age you take SS. You might be getting less if you got SS earlier than 65. How many years in the workforce might be a factor too. I think they look back on the past 10 years
There are a lot of factors. I know someone who worked all their life and made decent money. They retired at 62 and get $2300. It also depends on your spouce as well. $900 a month is TERRIBLE! I imagine its a struggle for her. I hope she has help.
Thanks for the shout out about my tiny living story!!! One thing most don't know is that you can have a tiny house or RV and no tow vehicle. In other words, you got a vehicle, but it's not strong enough to move your tiny house or RV around. You can pay someone to haul your rig when you need to move if it's not that often. There are alot of people in my campground who don't have tow vehicles, but the campground owner has been known to drive 5 hrs one way to move someone's rig for cash. So don't let rv or tiny house living to scare you into getting a truck, if you're not ready or don't have the money. My car is 6 yrs old, paid off and small. So it can't tow anything. I had it delivered to my campground by the builder....we built the cost of a 4 hr drive for delivery into the loan before I went to the bank.
I love Watching your videos. We have a different lifestyle and system in French (e.g health insurance) but I really appreciate your tips . They can be applied for so many things. I’ve started my frugal journey 3 years ago it’s so satisfying to see that motivation and discipline can bring you so far :) . I have changed my mindset and now I just appreciate simple thing instead of window shopping I appreciate what I have and I feel blessed I’m also lucky that my parents always teached me how to cook to clean to be independent . The best way to feel richer also is to help your beloved one to start new hobbies (like sewing, walking in the nature listening to birds songs ) so many hobbies can be free :) being grateful is also importent in this journey “Pardon my French “🎉
@@saraconklinfrozenpennies I asked at the service desk first to make sure. They had it for the online price in other stores. But since I didn't want to run all over and waste time and gas, it was easier to just get it there. Now I can clean and paint my fire ring. It was much cheaper than buying a new one.
I believe to save first then pay my bills last is what works for me.... And I don't celebrate any holidays so I save much more if I did. And did Jesus say for us to remember his birthday? You won't find Christmas in the Bible or any other holiday....so why celebrate them?? There's no reaason....And if you have kids do you lie to them when it comes to those holidays? I don't lie to mines...😊😊😊
Informative video right here!!! Thank you for the video. And to the person reading this comment, I'm wishing you a life where mindful spending and conscious choices lead to greater contentment, financial stability, and a sustainable future.
Thanks so much for watching!
Amen
I would love to see more money coaching videos ! I appreciate breaking things down like you do. Thanks.
Tell me more of what youre loooking for!
Yep I have a "wish list" on Amazon - and sometimes items live in there for months. It was fun shopping, but when it comes down to do I really need it? In the end I only selectively buy a couple things once in a while that I still think I can't live without.
Better to live below your means now than below a bridge later.
Love this!
Ha! That's great. Thanks for watching!!
That is the best saying 😊
This gave me a good chuckle, I’ll remember this well 😂😂
Hi George, when l first began reading your comment, which l loved, l thought you were joking around. However, right after my initial thought, I immediately knew that what you conveyed was very serious. Thanks for sharing!
I have learned to be frugal. I was terrible with money all of my life. Now I am crazy about saving money. I really have cut back sooo many expenses and groceries. Our house is paid off. Taxes and insurance are still a cost. I ❤ finding ways to save. Our property taxes are now frozen because we proved we were low income for three years. We also get a veteran discount of 2,000 dollars off the value. So I prepay the monthly cost of 1/2th the taxes so I am never surprised by a tax bill. (Thank God). That happened to me once. It will never happen again. I shopped around for low house and car insurance. Soooo our housing cost is $250.00 a month. Fixed! No rent payment for us!
This is great! How did you prove you were low income and freeze taxes (and what does that mean)?
Technical living below their mean because there's money left over, but all that interest thats added to have to pay on top.
Love these tips!! One of the most important to me is being frugal, and still finding more and more ways to do so. That helped me stash as much money as possible into my savings account and to have no bills.
The second one that saved me was, for the first eleven years I was totally on my own, to have one 40-45 hour per week job along with two side hustles. I did everything from cleaning homes, working for the Health Dept. as a home caregiver, having an Etsy shop for 5 years, doing laundry for residents at the long term care facility I worked at, and selling crafts and sewing for people. I was blessed to be able to fine all of those jobs!!
Thank you Sara for more great advice!
Ah...the side hustle is a great way to bring in extra income. However, we must remember to find joy and not let being frugal get in the way of that. Life is short. Save for fun! Thank you for watching!
You are awesome!
Can you give examples of how you are frugal?
When i get payed i pay my bills my responsibilities savings then have fun money so i dont go crazy
Interesting video! Thank you for sharing!!
Thanks for watching!
How about buying a “step down” car? One that has a lot of the features without the big sticker price? It may not be a Mercedes but you don’t have the expensive Nercedes repairs either! ❤
I note that the background photos of several videos in your series portray very very elite lifestyles, contrary to what I believe are your overall themes. Clarification, please?
I'm a write it down girl with a calculator. I write down how much I have and a list of bills that need paying. Rent is PRIORITY, then utilities. Once that is paid, then weekly and saving. AFTER that what is left over. Its extra like a safety net. I DONT NEED it but its peace of mind if something unexpected comes up and I call it Spare money. If it doesn't get used that month, then it goes in to saving. I think physically writing it down and seeing what u actually have every month helps, so u know what you actually have and where it needs to go.
Love this so much! Are you single/ manage your own money?
@@saraconklinfrozenpennies
Single parent for 15 years and having to unlearn 20 years of bad money advice from my parents. I'm slightly envious of you when you say the women in your family are frugal. My mum was complete opposite and got into lots of debt and gave me bad habits that I've had to unlearn. But being frugal I'm debt free and in credit with my bills. I work hard to make sure my kids are good with money and saving..
Sarah, my husband is like yours.....doesn’t shy away from doing things himself and not afraid to learn new skills. We are very blessed women!
So true! grateful evvery day!
I rent government house i live on a pension but have an investment wich occurs yearly monthly intrest it doable
Yes have a disability caring twuns ages 26 with disabilitues hard
Get rid credit cards get rud of car payments so save this instead cut down takeaways track your spending live beneath theur means beauty cut nails cut entertainment reduce
Yes living off my pension renting government home with second hand furniture is enough as i live below my means though i have an investment wich i receive income i have disability care for my 26 year old twin daughters who suffer from heart arythmia
What kind of salarys do you have in The states? 100 000 dollar a year! Thats 1.2 millions swedich crones. I make 360 000 crownes a year. And to that 33% tax. I get out 2000$ a month after tax. And here i Sweden a gallon of gas cost 8.5 dollar And a bottle of cetchup cost 4 $.
The average salary in the US is about $60,000. So $100,000 as a couple is not so far fetched.
Great job ❤❤❤😊😊😊
Thanks for the visit. 🥰
Wait 2200 is measley. I make $2500 month now so I am just barely over measley😂
Ha! Thanks for watching!!
$2200 a month SS would be a lot!! I get $1500 and mine SS is considered higher. A lady I talk to only gets $900 a month!!!
I think the amount depends on what age you take SS. You might be getting less if you got SS earlier than 65. How many years in the workforce might be a factor too. I think they look back on the past 10 years
@@TonicBladeit’s also based on what was your highest income for a single year.
There are a lot of factors. I know someone who worked all their life and made decent money. They retired at 62 and get $2300. It also depends on your spouce as well. $900 a month is TERRIBLE! I imagine its a struggle for her. I hope she has help.
@@saraconklinfrozenpennies she does get food stamps and medical assistance.
👍👍👍
Thanks for the shout out about my tiny living story!!! One thing most don't know is that you can have a tiny house or RV and no tow vehicle. In other words, you got a vehicle, but it's not strong enough to move your tiny house or RV around. You can pay someone to haul your rig when you need to move if it's not that often. There are alot of people in my campground who don't have tow vehicles, but the campground owner has been known to drive 5 hrs one way to move someone's rig for cash. So don't let rv or tiny house living to scare you into getting a truck, if you're not ready or don't have the money. My car is 6 yrs old, paid off and small. So it can't tow anything. I had it delivered to my campground by the builder....we built the cost of a 4 hr drive for delivery into the loan before I went to the bank.
It’s such a great story. I just think it’s super fun and practical.
❤❤❤
Thanks for watching, Kerry!!
Could she not buy a second hand car so save on car repayments
I think she really likes her car and plans on having it for a long time. She's doing ok and it should be paid off soon.
@@saraconklinfrozenpennies thank you
I love Watching your videos. We have a different lifestyle and system in French (e.g health insurance) but I really appreciate your tips . They can be applied for so many things. I’ve started my frugal journey 3 years ago it’s so satisfying to see that motivation and discipline can bring you so far :) . I have changed my mindset and now I just appreciate simple thing instead of window shopping I appreciate what I have and I feel blessed I’m also lucky that my parents always teached me how to cook to clean to be independent . The best way to feel richer also is to help your beloved one to start new hobbies (like sewing, walking in the nature listening to birds songs ) so many hobbies can be free :) being grateful is also importent in this journey
“Pardon my French “🎉
Thanks so much for watching! I can hear your French accent in your words and it makes me smile. Come back any time 🙂
I love living with less!
Thanks so very much for watching!
Went into Walmart today. Used a tip from you to get the can of spray paint I needed for cheaper. It was $11.98 at the store, but only $5.98 on line.
THAT'S FANTASTIC! And what a huge price difference! Great job!!!
@@saraconklinfrozenpennies I asked at the service desk first to make sure.
They had it for the online price in other stores. But since I didn't want to run all over and waste time and gas, it was easier to just get it there.
Now I can clean and paint my fire ring. It was much cheaper than buying a new one.
@@dizzysdoings This makes me so happy. You are doing great!
@@saraconklinfrozenpennies if you were closer, I'd invite you over for s'mores. I know you like to camp.
Love your channel, thank you!!
Thanks for watching!
I believe to save first then pay my bills last is what works for me....
And I don't celebrate any holidays so I save much more if I did.
And did Jesus say for us to remember his birthday?
You won't find Christmas in the Bible or any other holiday....so why celebrate them?? There's no reaason....And if you have kids do you lie to them when it comes to those holidays? I don't lie to mines...😊😊😊
Interesting ideas and thanks for watching!
PLEASE DO NOT CALL 2200,00 MEASLY MONEY I KOW THAT IS WHERE A LOT OF PEOPLE LIVE, I HAVE FIRST HAND KNOWLEDGE
Pay herself first