Stop Making Bad Choices! 6 Ways You're Wrecking Your Budget
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- čas přidán 4. 08. 2024
- What are you doing wrong that can be fixed? It's never too late to resolve your budget issues. I explain your options.
Frugal Queen in France
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We are a British couple living in Brittany on a budget.
Frugal recipes, days out, home renovations and day to day making do in France.
We’ll give you hints, tips, advice and an insight into our life in France.
Website www.frugalqueeninfrance.com/
FaceBook / frugalqueeni. .
Instagram / frugalqueen. .
Twitter / batt_jane
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I can only save $10-$20/month but I have been doing it ! So far I have saved over $265. 😊
Thank you always for your encouragement!😊
Way to go 👏 Keep it up!
That’s awesome
Beautiful! Pennies make nickels make dimes make quarters make dollars! Good for you. Diane
That's great!
The best thing about starting to save even the tiniest amount, is that once it starts growing, it’s a thrill and then you don’t want to dip into it because you love watching it get bigger and suddenly you have momentum.
Totally agree
Exactly. I like to make it like a game, a challenge to see how much I can save or not spend.
I started a savings challenge for 30 days...day one £,€,$ rs.....what ever your 💱 is ...save 1 & day 2 save 2 day 3 save 3 & so on.....I am from Srilanka so I started with rupees 100/= I try not to skip a day or walk into this savings
Hope this will help some one.....😂❤
I have never saved, and thanks to you I started putting away just $25 a month. It isn’t a large amount, but it feels so good to be doing SOMETHING, and it is encouraging to see the amount actually starting to grow. You are a lifesaver for me. Thank you.
Thanks very much for sharing and well done!
I am surely you will get a kick see the savings total rise and turn into a saver, I did. :)
We have found that just being honest with our adult children about our retirement coming in 3 years and needing to make life sustainable going forward. We sat them down and explained we were starting 1 gift at birthdays and Christmas for our grandchildren. No more cards and gifts for adult children. Truly, we all just enjoy each other's company, and no one needs gifts to feel our love for each other. I realize this is not possible for some families and feel very blessed this is not a problem in our family. Life can be fun and celebrated just getting together. 😊
We gave up Xmas gifts years ago & only buy 1 gift for grandchildren's birthdays. Where did the idea of multiple gifts come from anyway ?
Our birthday and christmas and birthday (except 18th) present cutoff age for granchildren is 16 have 1 grandchild and 3 greats to buy for now
Very brave of you and a good example to your children to be honest about finances! We all know too many people who are guilted into debt
Our family started doing gag gifts that didn’t cost much and we’ve had more fun with those than anything. Kids get 1 gift.
Hello! I am a very frugal single momma, I am teaching my 15 yo daughter to be frugal too! I am pretty excited about our life. My daughter attends a private Christian school, she used to say her friends are "rich". Now, instead of rich she says "in debt". LOL She gets it! :)
Worst thing to do is to try and keep up with somebody else’s lifestyle!
I was feeling a little shabby because I have been wearing old jeans and the same shirts. I go over to my son, Paul's house several times a week to look after my granddaughters when their mother is working as a nurse. I wanted some light weight summer clothes, so I went to the Interfaith Christian Resale shop in the next town over from our home to look around. I was able to find a pair of light weight, white pants and a cotton shirt to wear with it. I paid $5 for each piece of lightly used clothing. I feel a little better about getting a 'new to me' outfit for $10 plus tax. I don't want to dress up to take care of children, and casual clothing is good enough to wear around a house.
I have gone back and started watching you from your day 1 short test. You speak nothing but sense Jane and Michael. We live a similar life ,for health reasons we have moved to a low carb diet (no Keto!) people think we must be rich because most of our shopping these days include meat ,cheese, bacon etc. Funnily enough our costs have gone down .(no sugar, bread, cake, biscuits ,sweets, chocolate.)We joined Costco and every couple of months we make the 2.5hr Journey to our nearest one, to buy in bulk things that we need, also gives me a chance to go to Ikea if I need more freezer containers or zip lock bags👍. This is all budgeted for and most gets divided and frozen. We get an allowance, our bills are all in advance (increased payments a small percentage years ago) We pay double each fortnight (Australian Pensions) on our small and shrinking mortgage. Our future wood and vehicle costs are in an account we don't touch (deposited fortnightly) It makes more sense to us to be in credit with our payments than a savings account as interest is so low here. I am going to snuggle under a rug in front of the fire and watch more of your 3 yr old posts. At 71 I think I can still learn from others . Keep well and CARRY ON 😘
I visited a friend today who said she’d really noticed the rise in her food budget. So I chatted with her about my yellow sticker budget buys. I told her about buying several things in a pack and getting them home and immediately splitting them up into individual portions. I get a kick out of knowing that say instead of an item costing a £2.00 for four, then with yellow sticker I got it for £1. Instead of being tempted and eating all four at once, I maybe eat one and put the other three in the freezer because they’ve reached their sell by date. Save money and inches as I’m not pigging on the “bargain”!
Has she been listening to you?
As a mom with 2 little ones + 1 teenager, what helps me save even the last $10 is I look at my children and remind myself it’s worth it to save because I’m saving for my children so when the rainy day comes, we have something to fall back on. This helps me a lot avoid impulse buys and even walk away from what I think is a good buy but I can distinguish as a want and not a need. Thank you to this channel, very encouraging and also gives me peace when I listen to.
Great video. We struggled to manage my going on disability and my husband leaving work to be my caretaker. We had less than 18,000 in our retirement plans and now 7 years later, we are playing catch up with our savings. But with strict budgeting and penny pinching we are starting to see the light of day. We are saving 30-50% of our monthly income and yet still able to take a vacation. But it is also frugally planned, and we will prepare 90% of our own meals.
Thanks for sharing
It's never too late to start saving for retirement and start being frugal for your next chapter in life.
When I was planning my 2023 no buy year, I took inventory of what I had. Man o man do I have stuff in excess. I made a list of 10 things I will not buy this year, so far so good. If you can only do one thing to start your frugal journal, start with tracking your spending. You may be amazed at how much you spend.
Tracking our spending has been priceless!
Except for our 'Allowance' I know where every penny goes. My Husbands allowance usually goes on Coffee but at least he is supporting a small local business in town. Sometimes I don't even spend mine (our is fortnightly because of our pension payments). I cash my notes into coin and have a nice little 'puggle' as my mum would call it Just In Case!
“For the love of cheese and biscuits…!” 😂😂😂 That is a wonderful line and I’m going to use it with myself! Jane, you make me smile. I have been on a frugal journey most of my adult life, and there is always room for improvement. I appreciate your tips (even if they are a reminder to me), but mostly when you used to lay out your budget for us. It really helped me see where I needed to do better. Thank you for making these videos!
Very wise words! When you retire- even if you have planned for years- you never have enough! Agree about stopping the shopping!
Since the first of the year, we've been shopping our house before we go to the store. Now it seems like we've found a trove of forgotten treasures. It's amazing all the things we've already bought that we simply do not remember buying.
We all of us have too much.
I totally appreciate how you break down frugality and budgeting so that it is not odious. I have lived with people who do not understand the difference between being frugal and being miserly. This one that I know about fought me to send $25,000 USD to a computer scammer and then whined about a $35.00 roast that was on considerable mark-down that I bought for New Year's party. Her share was half. There is such a difference between being frugal and being penny-wise and pound foolish. I have another 18 month to go before retirement and looking forward to it.
I have to admit that I don't set a weekly meal plan, but I do use creativity everyday to make decent meals that often become lunches the next day. Having a decently stocked pantry and selected items in the freezer, things seem to come together. I love your cooking days. So inspiring!
I enjoyed this video and Yes I would like to see a video on organizing and scheduling
Got it!
"For the love of cheese and biscuits!" I love British colloquialism. Great video Jane!
Great advice and reminder. While watching this, I made 18 breakfast burritos for the freezer so that my husband and son don't have the need to stop and buy breakfast. Healthier too.
I’m watching all the adverts so you get a few extra pennies
Thanks very much
Thanks again for your wise words. Its a pity governments waste so much of our money when we are being careful.Looking forward to Friday. Best wishes to you both.
You are so right about saving. I started working at the age of 16 and automatically contributed to our social security system. I am gong to be 60 next month. At age 62, I will have contributed over 40 years and will only collect about a thousand dollars per month. If anyone thinks they are gonna live off of social security in the US, they are not going to make it. It's never too late to start. I got a government job at age 40 and in addition to contributing to our pension, I contributed to our tax free annuity for government employees. I started contributing $25 per paycheck. As the years went by, every time I got a raise I put it towards my tax free annuity. I plan to leave that money in there until I have to start withdrawing at age 72. We found Dave Ramey's seven baby steps when I was 50 years old. I never knew how to manage money and live on a budget until that time. We are on track to retire in two years,. It's never too late to learn to save an manage money.
I enjoy all of your videos. I'm better off because I paid over 60,000 worth of debt (my car and some mortgage) since November 2020. I have 65,000 left on my mortgage. Have a wonderful evening.
Thanks for sharing!
Exactly!! Get organised and stop blaming disorganisation on busyness. 100% agree with you, Jane. An excellent video thank you! Hi from Australia 🇦🇺. 👋
Yes! Thank you!
I’m moving into my debt free home next week. Can’t wait to get my budget started. I’ve always saved first but now I’m going to really budget every penny.
Congratulations 🌹
I have decided not to have a written budget. I'm just sick of it all, I'm 64 years old, dang it if I want a fancy steak dinner I'm going to go get it. I don't go broke and limit myself, still turn off the lights when I leave the room. However, the house and car are paid off, I'm done penny pinching and doing without, making my life harder than it needs to be. I don't go willy nilly and just buy any bright and shiny thing, I'm just not willing to go without a bowl of ice cream when I want one. So, I scrounge up my change and go get ice cream even if I am overpaying for it. I planted a big garden and have eaten pots of fresh green beans with tater's this last two weeks. It's time for a steak dinner and a bowl of ice cream. I've done my part.
Another practical video presented in such a lovely manner as only the British can do...! 🌷🙋♀️
So nice of you
Great video, I’ll watch again later as well 👍
I loved the 'tough love' message, absolutely right on target. I would enjoy watching videos on scheduling and organizing. I really enjoyed your videos on menu planning and budgeting. Thank you for taking the time to teach these things.
Yes! Thank you!
Hello from the US in Mississippi. I love your accent! It’s so proper. I have a deep deep southern drawl and sometimes my friends even laugh at it. It’s nothing like the tv makes it sound. And we don’t all talk slowly. My husband says I sound like a cheerleader on crack. My friends sometimes tell me, Nikki! Breathe! Breathe! I just laugh and tell them to listen because I’m not repeating it. 😂 Hearing another accent is nice. I’ve throughly enjoyed it.
P.S. love that lamp and shade Jane another of your thrifting items?
I cannot imagine not know what is happening and where I am going with our finances. Each year I sketch out a plan for our money and I change if things come up. Each month I have a guide. Daily I have a plan. The tight time comes each month with getting through the last few days. We have only so much in our budget to get through the month.
Yes, we do the exact same and I find the last few days of the month tough -- I keep trying new strategies, especially with food, but so far I'm not mastering it.
I loved it when you talked about " enough is enough ". We all have or could have, far too much stuff. Even if you shop second-hand, it is quickly too much as it can be so cheap.
There is a limit to how many clothes you can wear so stop buying more ! Growing up we didn't have piles & piles of clothes & furniture, we had what was enough.
My message is- stop buying stuff because it is cheap. If you don't need it, it is expensive.
marty9011 - You are right, we definitely have enough now so even if something is very cheap I don't buy it as it is a waste of money. Reading your comment made me look at my cupboards & drawers etc to remind myself I don't need anything else.
@marty: a friend of mine who grew up poor in India said most American's have enough clothes in their closets
and drawers to last 10 years.
I love all your tips and especially your and Mike’s mindset, working together with a common goal. Well done and thanks for sharing with all of us 🙏🫶🏻🙏
Our pleasure!
Jane, I used to go to a huge popular flea market here, what you call a videgrenier every month. I would spend $100 every month and bring back some stuff I loved but mostly junk I didn’t need and had no place to put it. I could’ve been saving that money every month. Since the pandemic, I haven’t been at all and don’t really miss it….way too many people anyway lol.
Because of you and Mike, I track my expenses with a fine tooth comb. I look at every single expense on Sunday evening, to see how we are tracking with our budget. We are doing well, thank you!
Good stuff!
Love your channel, Jane. I didn't comment on the poll, but I think I'd consider myself better off, too. We keep saving bit by bit, and I'm getting a better handle on the food budget, after the initial shock of inflation there. Our budgeting and spending isn't perfect, but we're going the right direction!
Love that!
I thank the good lord that we have savings because in the last week my husbands chair literally collapsed, our dryer died and our car started making a strange noise and will cost about $1800 to fix.
Most jobs here in the US have a percent that u can "put away" into a retirement account, called a 401K, n the employer will match that, when I worked it was up to 6% they would match, I told my kids to ALWAYS put into this plan, because basically u are getting FREE money from ur job, NEVER turn down free money
Well said
"You don't have to keep up with the Jones' because they are in debt". That's a good one!
I have begun saving, not a lot but I have done it in envelopes and jars on transferwise. It's all earmarked for certain bills, for example I will need to say goodbye to my dog soon (she is almost 18 and her kidneys dont have long) so I know I have enough to let her go at the right time and have her ashes back, which isnt cheap. I also know that Octobers bills will be paid without touching that months earnings. I am renovating a house so every couple of months the money I have saved I buy materials. By the end of the year that spending is done and I can't wait to start putting that each month into my long term savings. Your page and channel have really helped me get on top of my spending and being in control of my finances, I feel so much more relaxed and less stressed over all.
Thanks so very much your encouraging comment. You really are doing well.
Great advice Jane and Mike.
For the love of cheese & biscuits. I love this saying Jane. Thanks for a spot on video. I’m dreading my elc/gas 16:11 fixed rate running out in August. 🤦🏻♀️
Yes would love more videos on organization.thank you loved the video x
I'm 61yrs old and have been on disability Pension since my 30s in Australia. I've been following frugal living plan since last year. Only since January have I been saving. Now I share my good news. January till this July I have saved $5,500. Praise God I have a working budget now. I urge financial planning for everyone. In the past I bought so much for my lovely unit. Many specials. I no longer swipe my card. I have so much in my unit. I think I'll wear all my lovely clothes and designer handbags 👜. I have regrets now and hope someone out there will see the warning. Thank you dearly frugal living leaders. Bless us oh Lord with frugal living Amen. 🙏 Amen 🙏
Thanks for sharing
Thank you. One suggestion you made a while ago was to see if you can do something cheaper. I think about that every time. Saved me so much!
I recently transferred eight LARGE banker boxes of clothing, assorted sizes that no longer fit, from my closet to the spare room. Pants, coats sweaters, tee shirts, dresses and so it goes on ... 😳One containing just underwear that is still new. I have foot trouble and therefore many pairs of brand name shoes that I pass onto friends after one wear, as I can't wear them, Clarks, Hotter, Sofft tried 'em all. My friends like it, but it has to stop! Valuable words you share 💕
Right now we’re not putting any $$ into savings but that’s because we’re trying to pay down debt as fast as we can (We do have a $2k emergency fund though thanks to your recommendations & that was a game changer so thank you for that suggestion). Once the debt is gone we’ll start putting that $$ into savings again❤
Good choice for now and we've been there
Another excellent film guys . Incredible teaching ,so naturally presented and real 👍. Well done Jane and Mike 👍👍much appreciated xxx
Thanks so much
Another great video! Love your decor!
Thank you so much!
Yes to content on scheduling and organising.
I love your videos Thank you so much for all the work you put into them.♥♥♥♥
You are so welcome
One thing that has come from our dietary changes is that a lot of my clothes don't fit me very well. Taking things in for now till I reach my goal weight - or they just fall off. Then I will start buying frugally JUST what I need.
Thank you very much for this wisdom. My new mantra is 'enough is enough' There is work to do on that part😊
Thank you, Jane - for your sage advice!! May many hear it! 👏👍🙋♀️🇺🇸🥰‼️
You are so welcome!
Great video J&M,
I have a daily, weekly, monthly & seasonal plan for all my schedules.
Life is then so much easier when being organised & it definitely saves me money & time & I have just enough in all areas.
I have done this for years & would not have it any way.
I would love to see videos on your organisation tips.
Thank you for all your help & inspiration.😊
I went to a local grocery store with a friend recently. She has a car and I don't and I told her I switched to this store and my food cost dropped by $20 per week. She did some of her shopping at the same time but said she did not save and that there were products she would not buy because if she purchased the brand she is used to buying it would cost more. That is her choice. I saved at least $20 from what I have spent at other stores. I look for bargains and sales, am happy to buy reduced item things, and love this market's international foods section because the products there often cost less.
What a pity she won’t change her mindset in order to save money!
I added £100 pounds to my savings too, its only at £175 but it's a start.
That’s a very good start
Thank you once again for a great video ❤️💋
Thanks for watching
I needed to hear this message this week I always put things off and say I’ll get to them , I’m doing envelope saving at present and it’s amazing only using cash makes such a difference , with a blended family of my own kids and foster kids it’s important to make sure they have everything they need . Thank you for your videos every week I alway look forward to them love the brutal message haha ❤
Thanks very much for your feedback
Thank you for another great video, i thought of you in lidl this morning when i saw a French apple tart, must try and make one as they were £3.99!
Shopping is a hard one for me, but i will try and remember your line from the video. Cheese and biscuits 😂
Love the idea. You two are always so helpful❤
Thanks so much!
My parents taught me how to budget and how to save. Channels like yours help me to keep motivated and try out new tips and tricks.
It really helps in focusing on our long term goals.
It really helps in keeping my quality of life high on a low budget, I don’t feel I lack anything but am able to save
Thankyou so much. I've had sinking funds set up for a few years now. Its great to know the money is there for when you need it. It also helps me to feel secure and in control!
Thank you so much for this relevant content. It is helping many of us.
Glad it was helpful!
Jane, I put 5% into Emergency Fund (which was recently wiped out) and 10% into Sinking Fund (possibly not quite enough as things I haven't thought off keep cropping up). That's all I can afford just now.
Your best is always good enough
"For the love of cheese and biscuits" 😊 you do make me chuckle. Great no nonsense advice as always. Thank you.😊
You are so welcome!
👍👍👍i find it difficult to live on a budget but we pay orselves always first an d a am not a shopperand i ad.i admire you that you do it so good with the budget
Thanks for sharing!!
Thank you Jane. I have struggled this month with Amazon shopping. As we head into the second half of the year, I will be doing a major assessment of spending and work on my discipline. There are always so many ways I can do better!
You can do it!
When I think of buying things on line, my second thought is 'Where am I going to put it?, am I going to put it away and never use it because its too much hassle to get it out.? the answer is usually yes -so I don't buy it. Be strong !💟
Thankyou for this wonderful video. Your ideas & suggestions are so helpful. Best wishes from a happily retired & working only at being frugal subscriber in Sydney Australia
You are so welcome!
I always enjoy your tough money chats--they always give me something new to think about. Yes, I would love to see some videos on organization and scheduling.
Since last year I've imposed a moratorium on myself for estate sales/garage sales/thrift stores. If I don't have a specific truly needed item in mind and the cash in hand to pay for it I don't go in. If I go in and they don't have what I'm looking for I walk right back out. It's tough, but it's stemmed a flow of money out of our budget.
Thanks for all your hard work on your videos, Jane and Mike!
I love a charity shop but even I have to admit that I don't need anything
I have watched this video several times. I will watch again, it’s so good for keeping me en pointe 🇦🇺🇦🇺❤️
great video!!!!! Thank you.
Glad you liked it!
I love your expressions “for the love of cheese and biscuits “ I love it ❤ your advice is excellent and so on point for today’s times.
yes I am I am interested in organizing and scheduling. Thanks pam
I need you in my life Jane! I'm relatively new to frugality and I love seeing my debt shrinking every month and I feel more in control of my life since I started budgeting. I have goals and I am working towards them. But my spending impulses are still there and watching your channel really helps me stay strong and inspired on my financial journey. Thank you so much, you are changing my life.
When that debt is gone, all that money will be saved
Thanks Jane and Mike, this was just what I needed , good no nonsense advice.
You're welcome
Just discovered your channel and you remind me so much of my personal tutor I was assigned to during my university days in England. You are very honest but also very wise, understanding and encouraging. I love that you are being realistic and not telling people to invest in crypto or real estate, but rather to make small adjustments "even if it's just one dollar a week" like you said, for their own sake and betterment of their lives. You have a new subscriber! :D
I'm so glad!
Great video Jane! A few things that stood out to me was when you said we should be preparing a unique budget every month. You are so right about this because not every month is the same and having some short term savings will help when the larger seasonal expenses come up. Projecting is so important too. I am guilty of shopping....but it's food shopping and waste that I am guilty of. Like you were saying... I don't keep close enough track of what is in my refrigerator and freezer and it goes to waste because I either buy too much OR I end up not eating it because it is forgotten. I would love to see more organizational videos if you have the time to make them. I think they would be very helpful to many of us :)
Coming up
Great video! Everything you said is so true!! I wish more people would be honest about things instead of making excuses. Well done!
Thanks for watching!
Great video, as always.
I totally agree with everything you said, especially budgeting. Without budgeting we would have no idea what we would need for retirement and just hope for the best. As we are in our late 50s planning for retirement is becoming very real. Through budgeting we realised what we need to save a lot more and really reduce our outgoings each month, even though we were being fairly frugal.
Although budgeting and retirement planning can be a bit scary, once set up it does give a peace of mind and helps you to make better choices.
Thanks Jane for keeping us on the right track
You're most welcome
Hi Jane and Mike, you talk so much common sense. Definitely the best Frugal channel.
Wow, thank you!
I enjoy your points of view. Each of us need to make the best decision at the time and try to do better going forward. It hurts when I pay $.10 more a gallon for gas at the station I'm passing instead of my usual one across town. I do use the apps to find the cheapest places and get whatever rebates I can. I'm often frustrated dealing with people who know that i have a chronic condition. I only have so much energy to expend during the day. Sticking me with things that other people should be doing and relieving me late (1 1/2 hr this morning) does not mean that I am going to get everything done that should have been done. It just makes me unwilling to help you in the future.
♥ Thank you so much for the video. this month was (is being) insane in extra expenses, but this girl has everything under control :) "for the love of all things fluffy and pretty" made me laugh :)
You're so welcome!
Yes please to the organising videos, I love being organised!
Ok!!
I’m reminded of the old sayings
‘If you look after the pennies, the pounds will look after themselves’
And another one is….
‘A pig bought on credit grunts all year’
Love your background today, beautiful lamp and shade! Your wall print is so sweet! Thanks as always for your advise.
All the items you saw, including the chair I sat in, were bought secondhand.
@@FrugalQueeninFrance what more can I say, You have a good eye and great taste Jane!
Thanks for this presentation. If my money management is going to go off the rails it is most likely to happen this time of year (also Christmas).
Automating savings really works. I was a late starter on this one except for pension plan, but anytime is a good time to start and there is peace of mind once you see savings build up. You have to go on saving and managing money even when retired.
The advice on savings was to aim for at least 10% to 20% and once you look at your income and what you are spending you will probably see some "wasted" cash that could be put to better use as savings as I did.
Keeping a coin box for smaller coins too as they can be awkward to manage quickly in shops when you are older and there is a queue behind you. This modest sum will be used for a day out or a small treat when the box is full.
I agree totally that you have to be disciplined and make time to look at income and spending regularly.
I check every a.m. my finances, weather, and what I need to accomplish for the day. Also, get out for exercise and fresh air, plan meals...
Yet again, a stonking and interesting video. Thank you so much. I don't want to repeat other comments, but I really wish I'd seen your videos years ago. I've always saved but dread to think how much I've wasted over the years. Why isn't this part of school education? Oh and the number of people who are not using cash. They have no idea what they've spent as they don't check their statements. I've got my budget all set on on excel. So complicated to set up but I'm so less jittery with that running in the background. All thanks to you both. Thank you so much. 👌👌👌
Thanks very much for your feedback
You and other channels have helped give me that push to start saving even though I have a tiny income and high expenses relative to that. I'm very close to my initial goal of having 3000 euros for emergencies. I am going to bump that number up once I get there, but I've honestly been able to save this far quicker than I imagined. I've got an automatic transfer set up every week. The amount is small enough that I don't even notice. And then whenever I get some additional income or travel costs back from gigs I do for example, I add that as well. I try never to commit to saving any more than I can go without, so I don't have to withdraw anything. It's working well so far!
That's brilliant, thanks for sharing
Thank you, Jane, for another outstanding video. I am making better financial choices thanks to your videos!
We are all busy but with what? I am constantly having to determine if I have the right priorities.
Yes to stop the shopping. The meme on Facebook about going to the store for milk and spending $200 because you just had to have certain items - always appalled me. However, the drip, drip, drip can make me waste more money than that.
It is always healthy to evaluate if I am spending my money on things that really matter or on fluff. Thank you so much!
Oh, and, yes, I would like to see videos about planning and organization. Thank you! 🌹
For the love of cheese and biscuits stop the shopping! - love it. Binge watched this channel and definitely reinforced my approach to finance and lifestyle.
Welcome aboard!
Always learn when I listen to you. I'm frugal but there's always room for improvement. For the love of cheese and biscuits, I will ease up on charity shops, I've enough, you're so right. 😂
Hi from sweden 👍 i follow you and Mike.. Good videos as always 🐾
Thanks for watching
Excellent video. Wish I could get some family members to heed your excellent advice. We are retired still save about 25% of very modest pension and social security. Hate shopping except for garden, books and art supplies. Still working thru fabric stash, some inherited! Thank you Jane and Mike. Susan
I also buy books and garden supplies!
I have put an "embargo" on all unnecessary spending. When I go to the store I know what I am going to buy before I get there. I don't mind walking out with a half empty cart (trolley).
The difference you’ve inspired in my money management is beyond belief. I used a credit card for years without a second thought and just switched to a new deal to stay interest free. Tomorrow I’m going to buy a new vacuum cleaner which has been budgeted for in my replacement sinking fund. This time I did the research and have ordered one that suits my needs for less than half the price of the previous one. I love the intro to each video and am so grateful that I too am now an early retiree, debt and mortgage free. I can’t say I’ve mastered everything yet often lapse in to non menu planning. I do stick to the budget though, and every ha’penny is accounted for.
Happy to help