When You Are Deep In Debt and Don't Know Where To Start...
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- čas přidán 1. 05. 2024
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The biggest thing that’s helped my finances is I just started saying no. I’m out of marshmallows to make a fruit salad, I make something else. No, I’m not running out to the store for just “one” item. No, I’m not stopping by the gas station on my way home from work to grab a soda. No, I don’t need anymore perfume. I already have enough. I think some of us flush more money down the toilet with the treat yourself mentality more than anything. I’ve been guilty of it so many times.
Just chopped my home insurance down from $2500 to $1300. Car ins. from $90 to $66. $5 a day by making my own coffee and bring in in Thermos. Just paid off my truck $260/mo.
That’s AWESOME🤗
How did u do this? By cutting ins coverage?
It just SOUNDS lighter.
@@Ritterkritterz shopped around, I use an agent now.
@@Revert2017 what ?
When my husband passed away I immediately canceled cable TV and saved $100 a month, this last month a new internet company came into the area and I retired so didn't need the highest speed internet anymore so I transferred to the new provider and saved $40 a month . Small steps. I also put cash in envelopes for groceries, I still haven't started using that money for eating out.. which I plan to do soon.
It can be done. I'm living on social security now, so need to save where I can
Canadian here. We don’t have Mint Mobile where I live, but I switched from Telus @ $107 (79 US) to Koodo @ 41 ($30 US). I didn’t get the lowest price tier, but I got what I think I need (20 GB @ 4G speed) and still realized very significant savings. Prepper Princess motivated me to take the plunge. Thank you!
Fellow Canadian here. I've Shaw wifi so I switched my mobile servixe from Fido (was 88$) to Rogers (40$ plus tax) because Rogers and Shaw are together now. So all the discounts made my plan went down from originally 70$ to 40$ and an amzing network. I also got discount for home wifi (was 86$, now 60$ becoz i switched my mobile to Rogers) and this is because of Prepper princess told us to do so❤
The best thing my wife and I ever did was, to get out of debt, cut up the credit cards, and have zero car payments.
We just painted the inside of our house this week....it's been over 15 years. We purchased a new floor lamp to match one of ours. We purchased 2 new ceiling light fixtures too. I really needed your video today!!! Our purchases are all going to be returned. We watched your video and we started talking....I can't tell you what my friends ceiling fixtures look like and I certainly haven't noticed what their floor lamp looks like. We cleaned our ceiling fans and I deep cleaned my floor lamp and shade. They look brand new and work perfectly! Grandma used to say use it up, wear it out, make it do or do without. We have to work on our free tv next...that will save us $245 per month. We are debt free but living frugally to make certain our money outlives our needs in retirement and aging. Thank you for your encouragement today! Going to sleep tonight feeling a whole lot better and proud of our job!
That is where we are different, Prepper Princess. I specifically went into a very lucrative career field. (I sell pharmaceuticals & medical devices) After listening to my parents argue about money for years, I was committed to going into something where I knew I would make money. That & the fact I will always live frugal principles gave me a much different life compared to my parents. Thanks for helping others save money! Keep at it, Friends.🤑
Just cancelled Disney + this moment. My kids have youtube and need no more screen time anyway 😂
The most valuable things in your house are your lovely dogs, I think so anyway ❤
So I got your book and I’m reading it now. I love your clear communication and I’m already implementing your advice. I’ll be 21 next month and I want to start saving and investing while I’m still young. I’m on the page that has your iced coffee recipe - YUM!
What a smart young person! I paid off all of my debt when I was 25 and my home was paid off 10 years later by saving and being frugal and most importantly being grateful for what I have It’s been a fantastic way to live! Best wishes.
Sorry to deviate;but no matter how many pennies you save on cable,coffee and phone service;the things that are putting people in poverty are ...rent/mortgage/homeowner's insurance/property taxes and health care/insurance/co-pays/medical debt. Those things are mostly out of your control...of course you can budget for it;but what do you do when your homeowner's insurance goes up by 30-40%,like its happening in Florida.And please don't say move to a cheaper location...its happening all overt the country.
Switch to AAA, get another insurance carrier. We switched to AAA. They are significantly cheaper than my old insurance carrier. The sky is not falling. Make them earn your business.
I’m in Australia and shop around for house insurance every year:
If you don’t have expensive furniture etc get rid of contents insurance.
On h insurance raise the excess to the highest allowable and cut the value you want your home insured for- this drastically reduces your monthly premium.
If you have a mortgage- ring them once a year and ask for a reduction.
I guess just give up? No matter what I say, I can tell from your comment that you don’t want to hear it.
Many people in Florida are choosing to not buy home owners insurance. And yes, move out of Florida. It’s a miserable state to live in!
Well, doing all the things that she suggests, helps you to be able to afford the things that you have less control over... like insurance. It is outrageous...also in Fl. It happened to me, too. Scary.
Hahaha... I never drank juice or soda growing up... just milk and water!! And like it that way. Only drink soda when I eat pizza, never drink juice. They are both just sugared up liquids, and I raised my kids that way too. It blows my mind that there are people who drink several sodas per day!!
We are such water drinkers that it never even occurs to me to purchase soda for birthdays; the kids have to remind me. On the rare occasion that I take a sip, all i aste are chemicals and sugar syrup.
@@amydecker6207Great that you avoid soda. It is so unhealthy. 🎉
Because this co-worker is always crying the poor, asks me to help fix his car, but I twice explain my shop is full with other personal projects at this time. Boo hoo I have no money to take it to a shop. However come Monday morning he's talking to another co-worker about how they spent the weekend at the local casino and lost a thousand dollars. That is why people are in financial straits. Poor prioritization of expenditures. I can't fix stupid and am not going to help.
Gambling addiction and other addictions put people on the streets. The addiction needs to be treated and stopped: shopping, drinking, sex, gambling, eating.
I’ve heard you say that turning off your water heater at the breaker can save lots of money but I never tried it until a few months ago when my electric bill was through the roof. Wow! What a huge difference that has made in my bill! I can turn it on for an hour and it heats up water that lasts a whole day unless I use a lot for some reason. Depends on what climate you live in and how many people in household, but I’m sure this could be a big money saver for almost anyone! Wish I had tried it sooner.
Yes, this seems great for the summer ! I hear the furnace going on when it’s warm out, and acknowledge that is for the hot water. But then again, I’m not taking hot showers in the summer, and only use hot water when washing whites, and the dishwasher has its own water heater.
I'm so glad that I got rid of cable and I never drank a lot of soda or fruit juices.
I managed to bring down my wifi charges from 86$ to 60$ and mobile plan from 88$ to 43$ with a different but better provider😃 only bcoz i listened to you Prepper Princess❤ I bought a budget binder and cash stuffing binder and decided to pay only with cash for groceries this month. I'm tracking everything now. Thank you for waking up the dumb me!
Hi Princess!!
I have gotten so much good advice on saving money from your channel I have to thank you again!!!
I am finally going to switch from AT&T to cricket wireless and I'm looking forward to the savings.
I am a very very frugal person and I thank you incredibly!!
And I absolutely love your doggies❤❤❤❤❤❤
I like Daves saying on don't spend more to impress people you don't even like. Your best friend doesn't care what cable you have or your cell phone plan... if they do... you need to trade up. Someone judging you like that is NOT your friend.
A lot of people count non consumables in with their grocery bill-TP, dish liquid, laundry supplies… if you separate those, you get a better understanding of what you’re really spending
I’m finding that older I get the less stuff I need. Very good info, and I can’t believe how many people still pay $200-$300 a month for cable service. 🤷♀️
Hey your ceiling looks like it's been redone. Makes the room look bigger. 👍
And it looks like those wall sections are gone too.
I wish I could have seen the bow and what caused it.
I love streaming! I don't regret letting cable go. There is so much to watch free.
Where are you getting free streaming on an on-going basis? All streaming services I am familiar with charge. Most offer free trial, but not after that.
Roku. There’s a one time charge for a Roku box (if you don’t own a Roku TV.) After setting that up, there are no further charges, unless you choose to stream paid subscriptions through it. But there’s lots of free content without doing that.
I keep a heating pad in my bedroom, one on my reading chair in my office and one in the living room. Wherever I'm relaxing...I have a heating pad, so I don't have to adjust the furnace heat👍
Your house looks beautiful. Everything is so clean and cozy.
Also fast food was a treat when I was a kid not something we ate 4/5 nights out of the week. Going to eat in a restaurant even more of a treat it only happened when relatives visited or we went out of town.
Same here!
For food, start with buying the store brand (unless the brand is on sale) and buy fruits and vegetables when they are in season (and buy frozen or canned not in season). Cook from scratch (it is healthier). For TV, indeed drop the cable (lots of commercials anyway) and buy one streaming service at a time if you do not want to have to search for free contents. Swap the streaming service if you get bored of the shows that they are offering. Seeing fewer commercials also helps in buying less stuff that you do not need or did not want before you saw the commercial. Most of cost savings are better for the planet as well. If you do not change your buying habits, companies have no incentive to change their products.
Great advice! btw...your new ceiling looks magnificent and without the columns going into your dining room it's so much bigger. Awesome job!
Agreed!
Oh I just noticed that! Yeah it looks more open! I read the comments first before the videos lol!
Living out in the boondocks has many advantages, but cell phone service is not one of them. I have a flip phone for emergencies and food pick-ups and pay $30 month. OK by me as I don't like phones anyway. Kinda stuck with internet service as well, but at least it gets me online. Saving this email for future reference though! Thanks muchly.
Hey PP, I have a suggestion: you should do a video for older women (50 plus) going through divorce and how they can work around their finances. The reason I'm suggesting this it's because I read an article about "gray divorce" (I think it was on CNBC). Basically, it's the time of our lives the children (if you have them) are out of the house and couples get divorced. The premise of the article is, if you get divorced at 32 for instance, it's easier to build a career/finances afterwards. Now, if you get divorced after 50, women get hit harder in their finances, bec work options for women at that age are much more limited. Maybe you will have some advice that would be useful for women going through this.
Yes, it was on CNBC, the article's title is: ‘Gray divorce’ has doubled since the ’90s - and the financial risk is high for women
It's a classic trap for women. Stay at home mom and then a hard time going through divorce in later years and struggling to get a job. Learn your daughters better. 🎉
Advice would be to work in healthcare and get two jobs for while. You’ve already cut your costs in half if not even more becuase you only live for one person. Go do free things with friends and go outside more often get fresh air and exercise
Some of your best advice is to be grateful for what you DO have! You give great tips on how to save a lot of money, but behind it all I hear, "I'm grateful for ___________."; not focusing on things you cannot afford. When you realize you don't need/want or even like those things, and concentrate on the joy of having what is most important to you, you go from victimhood to victor. So many people complain about their situation instead of trying to improve it and to focus on the great things in life we have in this country. Thanks for the positve, practical and encouraging podcasts!
Analysis paralysis is what I call it when you're so overwhelmed you do nothing.
The best thing to do is get the ball rolling with something small like you suggest.
When you’ve been practicing frugality for such a long time I find that food is the only way I can still make changes because I feel like I’m pretty much at max frugality everywhere else. I’ve been doing new things like learning to make bread and making my own tortillas. Growing, preserving, and preparing food can always be improved on. The next thing I want to try is an obvious thing that I’ve been avoiding-trying to bring in more income.
If you have a garden you can plant lettuce and garlic and sell. Or flowers.
Thanks for everything you do! Just to let you know…Hulu usually has a Black Friday deal, it is 99¢ per month for a year. 😊
GRANDMA... use to say "Money gives you choices, so choose wisely."
Good video 👍
That's a great saying. 👍
Your ceiling looks great!!!
Just saved $100/mo by switching to Mint (because of this channel….thank you!!)!
In Aus we have 3 main phone providers. Like the US many of the smaller ones piggy back on the major lines. You have to be teal careful when switching as several of the cheaper services don't work outside major cities or suburban areas. Mate mobile works off Telstra network, slashes your bill by 50% depending on your needs 😀
Taking in all of your advice! Single mom of a 18 yr old. He watches you too! Keep up the great videos
We were overwhelmed with our debt and like you said PP put it off for a long time. Finally that day came and took that first step. We went all in, both guns blazing, total scorched earth. It was just short of 5 years during that time we thought we were miserable. But funny thing once we crossed the finish line we kept our spending in check and maybe even more frugal now and saving/investing 50% of our income which is hard to believe but really it's great to be saving not spending. Our last debt was my truck which was a huge financial mistake but we paid it off a 60 month loan paid off in 26 months. The truck has been paid off for 2 years. Just today I ordered a truck cap for it, really wanted one since I got the thing, saved up the money and paid cash. This is the first thing we have purchased outside of a few home improvements in 2 years. We are taking a 5 day mini vaca in June and I want to take the truck because our car has +200K miles and I would be more comfortable with the truck so the cap will give us a place to put stuff while we travel. It is impossible to improve on the closing statement of this video, that having money set aside and no debt is freedom. Somewhere along the way we lost that being impressed with what other people have, cars homes and so forth. Our home is nice but is literally the smallest on the street but unlike most of those homes ours is paid for.
You have to make sure that your phone is unlocked, otherwise it's more complicated. I transferred 4 phones over to mint, they were all locked. I had been with AT&T for over 30 yrs and knew nothing about what locked meant. It took me multiple phone calls to get everything straightened out.
I used ATT prepaid for our family. $96 a month for four smartphones
Would be $60/mo for 4 lines from Mint.
Thanks by the way Verizon 86.00 to mint 16.88 a month NO ISSUES
Im not sure where PP stands on this but....I was, by far, the breadwinner. Because it was cheap, I opted for Long Term Disability Insurance ($3.00/mo.) and forgot about it. One year later I was diagnosed with aggressive Multiple Sclerosis. In addition to SSDI, I receive $1200/mo. from that Disability Insurance.
When I was a kid it was water only or kool aid..I never had a soda till I met my husband lol.
Your teeth, eyes, skin.... Yeah your whole body thanks you. Nobody should drink it because it is poison for your body.
Your remodeled living room looks great.
Bought your book this morning!🌷
Thank you for all the great ideas. I do get overwhelmed with too many changes at once and I like your idea of making one change per week❤❤
Prepper princess, thank you for all your sound advice. You are one of my heroes!!
its so refreshing watching a beautiful woman tell me how NOT to spend 💰
Hi proper princess
I know the topic is phones but if you get a new tv ( our 13 year old one got a weird black spot on it and it's in the bedroom now ) check to see if there is a free movie channel on the tv. We have some samsung thingie with so much on there we could never watch it. They have "happy days" channel and stuff like that. It's mind boggling and it's all free.
Avoid having TV, computers etc in the bedroom. There is a lot of chemicals in them.
That is what I tell people about lower cost cell service. They ride on the big towers. I'm with Tello. They are with T-Mobile but unofficially. Been with them since 2018.
Just a thought: I put my washer on a surge protector. What a difference! I save a few bucks each month doing this.
Ok, I'm up here in Canada but you've talked me into it...going to look for a cheaper cel phone plan now....💜
Got a message that said Mint is now fully part of T-mobile
You prepay for a year and you get it for $15 a month. If they higher the price you can change and use Tello instead.
I also have another video suggestion for you... I'd love to hear about what you would have done differently if you could do your financial journey to independence all over again!!
❤😊get an antenna and hook it on house. You can watch alot of tv shows free. Thats what i did in ohio. Cbs, ion, my5 to name a few.
I would say this is one of your finest how to do it presentations ever
Yes, comparison videos are useful. 🎉
Fantastic advice. Love that you broke it down so clearly. I would love more tips like this. Like you say once your confidence grows you become so much better at everything. When people ask what I collect, I say money. Knowing I can eat next year is worth more than anything I could have.
I want to contact my Senators regarding taxation on second jobs. It needs to be eliminated. I know my state, CT, penalizes a person who works a second job by overtaxation of that income. The reason why people are taking second jobs is because the income they earn does not cover their expenses. The taxation on that income is like kicking someone when they are down, and if they are not down and working a second job, the extra energy they expend by padding their accounts to afford a bigger house, education for their children, or any number of positive attributes and fruits of having a second income should be applauded, not taxed in order to enrich a state employee’s pension plan, which is paid out at a ridiculously high percentage, where a normal, nonstate pension is normally 2%. Feel free to cut and paste this to an email to your own elected representatives!
Prepper precious you are unique, intelligent, noble, good heart person, beautiful, funny, charismatic, etc, etc, 🎉❤🎉
I decided to stop investing in my 401k until I get rid of my higher interest debt. It pains me to do this, but it’s also motivating. I developed a plan to use that money to pay off my debts much quicker. I dont get a match and id rather have that freedom sooner.
My new employer doesn’t match for a year. They brought in a financial advisor last week. During our conversation he suggested this very thing. Get out of debt then contribute to 401k. I also have an HSA option. That is actually a better way to save for the future. Max HSA then 401K. More tax free benefits. Going in and coming out. And we all know health care isn’t getting any cheaper.
Hey, you, you wonderful person, I just watched an older vid of yours that reminded me I owe you a big thanks! You gave me the kick in the butt I needed after a few very down years by saying similar to what my dad told me as a kid. "Don't say you can't, not until you've tried and you know you can't." After a few tries, and learning, invariably, we can. Now we have a ten year plan, good insurance, live well within our retirement means, and only keep what we know would cover an emergency on hand. The rest is going into dividend stocks, and while it seems a bit of a reach now, because math is a pain in the arse, who knows in ten years? The thing is, we can. Thank you! 😄
Get sparkling soda put a bit juice to give taste not so much sugar too
Verizon’s cheap version is called visible I believe.
Water,home made sweet tea,instant milk,Kool aid and that is all! When you leave your home unplug the cable. I burn my cardboard and paper then compost my table scraps. I canceled my trash and take it to the dump, it is 1 dollar a bag.
I am thinking of doing the same thing
Prepper Princess looking like a Pretty Princess. Fine AND smart 😍
PP and Nala and Rocky ❤❤❤😮😮😮😊😊😊
I love the new open living room to dining room! The removal of those posts was a great idea!
Since companies are no longer appreciative of long term service and continue to dish out sh** pay raises I’m giving myself a raise, my current debt payments total up to about 300$ a month. Once I pay that off it will be 300$ extra in my pocket 💵
I use Straightalk and I pay $55 a month 4g. I usually pay for 3 months and it's auto deducted! I also pay for electricity and for rent! I'm not paying a mortgage! I've thought of buying a house but at my age why!
@trudymaenza I love Straight talk. Have had it for many years. Mint mobile is now T mobile. I have a T mobile tower across from my house. I called to get the internet program that is advertised constantly on the internet for $50/month. They refused to let me wanted me to pay $160 for 45 hours internet with a Hotspot. I told them I will never do business with them. They are cheating people 😒
Landmark Credit Union offers 7.25% interest checking account but you have to be a resident of Wisconsin or Northern Illinois
Thank you as always bringing us good information 😊
Thank you for all the tips!!
this is off topic...Your hair is so lovely. How did you style it today? what products did you use and what did you use to style it? How about a video about that? I bet what ever you do it is not expensive.
She does have beautiful hair!
Thanks for sharing! 😎👍🏻
Very very good encouragement video Princess!! Thank you!!! 💖
Great video… and sharing! 💰♥️💪🏻
Love the hose water and milk comment🤣😂🤣This is the truth!!! Brings back great memories!!💖
Thanks for your sound advice. 😊
Such good advice!! You went over so many different phone options that anyone can relate and take their first step!! 👏👏👏
Love your videos. Very inspirational!
Thank you very much..Always the best ideas.
Thank you ❤
Looking good Princes, good info
Love your channel. Keep up great videos!
Have not been on in a couple weeks and wanted to tell u the new ceiling looks just great. Major great improvement.
This is very motivational. Baby steps I can handle!
Educational and Informative!
Love the ceiling turned out great
Love you PP!
Great tips and advice when most of us struggling economically. Thank you Prepper Princess ❤Much appreciated 🙏🏾
You look great! Thanks for the video!
Tracfone user, I pay as I go, my monthly cost averages $10/month. I'm on the Verizon network.
Us too.
❤❤love your book.😊
I have been hesitant to switch my cell phone service from ATT because I thought I would have to call and have them release my number. I thought they would try to give me a big sales pitch to try and make me stay. Thank you for letting me know how easy it is.
Being an employee is in fact .... Slavery! except you have to provide a roof, clothing, food & medical for yourself.
Get a raise, up goes the rent like clockwork. We found out our old management company was getting OUR free credit reports, one of the three was already taken every damn year we were there. Because when you rent, they have your social, ID and everything. We paid off all our credit card debt and our rent went way up! "Well, you could get a second job" was the answer to my protest. Double triple slavery. 😑
What an amazing channel this is ✅
Used to have US Cellular, switched to Mint. Bought the phone I wanted from Best Buy, and now my phone bill is way less. $40 a month for unlimited. I am very happy. US Cellular didn't treat me very well and I let them know that. Saved at least $60 a month. I've done streaming for years.
Learned about Mint Mobile from you around 2 yrs ago. Has been a tremendous help. Thank you!