I so agree with you about coffee out somewhere. I used to like doing this but recently i have found myself just wanting to get home and not have to queue up for a coffee not as nice as the ones i treat myself to at home, sit on an uncomfortable chair and be forced to put up with screaming kids and to have to listen others daft conversations ( often on mobiles!). I would rather come home and listen to Jayne - talking calm, common sense and giving fresh inspiration to achieve my financial goals!
@FrugalQueeninFrance
Жыл бұрын
Thanks for watching
@BarbaraKirkpatrick-e7v
Жыл бұрын
We’re 55 and the end of next month my husband will be made redundant. We’ve embraced this and he’s taking early retirement but not claiming his pension till 60 So many people ask how can we do this … and our answer is because we always only brought what we needed 😊
@FrugalQueeninFrance
Жыл бұрын
I believe in you
@bunnobear
Жыл бұрын
You should be very proud, what a great achievement that you can choose. Very inspiring :)
@cathyallshouse2981
Жыл бұрын
Yes, it does take a long effort over time. I knew this intellectually, but life kept giving me negative financial experiences. I keep telling myself I should have done better, but in reality, I had hardships.
@lisefrydenlund4147
Жыл бұрын
I have been a poor single mother whit a low income, when my son was small,so I am grateful for what I have today, secure income, secure housing, clothes, food and so on.... Got deptfree in 97, when we sold our first house, we paied our dept and bought a New home whit the money left over. My husband died in 2018, and I am gratful that we had saved funds, and that I could move home to Norway, and I understood I had to move into an apartment, to be able to have a good life without having to borrow a lots og money again. It is so important to have money saved, to protect yorself as best you can. As in times like these, when everything has become more expensive.
@FrugalQueeninFrance
Жыл бұрын
Thanks very much for sharing
@hollyjobitner3285
Жыл бұрын
I have never lived paycheck to paycheck except when my ex husband left me. I had debt for 2 incomes, but suddenly with only one income. It was horribly stressful with everything, loss of a relationship and debt. Since that time, I met my perfect husband who is as fiscally minded as I am. My beloved husband wanted to retire at 60. It was our goal to payoff the house. We had several years to prepare and I would get so excited to put hundreds more on the principal of our house every month. I still get excited to put a tidy sum in our savings. I retired 5 years ago at the age of 60. I wish everyone could feel the joy and freedom of being debt free and 38 years of wedded bliss! 💙
@corinnedews7277
Жыл бұрын
When my husband retired, we paid off everything and vowed that we would pay off the credit card in full every month and only get 0% loans for a new car, if or when we absolutely had to. Our credit card pays us back, so we use it for food shopping and clothes, if we need something. This quarter, we had £25 back, so the cost of living had one silver lining! I am grateful every day, like you say, because there are many, many people who can only dream of having what we think of as the basics. I remember my grandma having different tins in the cupboard for various bills, and sinking funds are just like that! Thank you for the encouragement to keep going 😊
@fredalearhinan6693
Жыл бұрын
Having married again late in life . Our 60s. We worked hard at being debt free. We bought a 160 yr old cottage and over time have restored it beautifully.. i love buying lovely things like lamps from second hand shops as i could find exactly what i wanted for us.. we eat at home (my husband retired last year and loves to cook). We were talking last night and sayin how we live the good life. No debt. Savings. And simply enjoy being together and enjoying what we have.
@elizaC3024
Жыл бұрын
We had cheap water bottles that we carried in our car, they sweated like crazy, and got warm pretty quickly on hot days. So we watched for 2 years and finally got on clearance 2 thermoflasks water bottles for under $10. We have had them now for 4 years and we can take ice water for the day while running errands in 90 degrees. We joke about our maid being on holiday yet again, when we need to dust, but we are happy to be at a point of time that saving up for expected expenses is a part of our budget.
@auntiali9344
Жыл бұрын
My mother started with the "I deserve it" thing in the late '60's as a full time working mother. She passed it down to my 2 sisters who ran up credit card debt because they worked full time and they "deserved" it. It popped up in my life a couple of times but after I had my children I became frugal and didn't feel like I "deserved" anything but was thankful to be able to stay at home with the kids and having enough money to meet our budget.
@nicB7777
Жыл бұрын
My father still does this,... and he's about to be homeless. It's just heartbreaking that a little bit of sacrifice could benefit so much 😢
@lindadorman2869
Жыл бұрын
I grew up when success was defined by achieving a clear path - get a college degree, good paying job, buy a new car, own and furnish a big house, wear designer clothes and jewelry, go on expensive vacations, etc…It didn’t matter if you went into debt or lived paycheck to paycheck to keep up the lifestyle. It was only when I realized I didn’t want or need them - and didn’t feel obligated to show how successful I was - that I was able to prioritize saving over spending. Now I live a very simple life with none of the above, and am happier and more satisfied.
@FrugalQueeninFrance
Жыл бұрын
success is never linear anyway, we can veer off the path at any time and make our success our own way
@nicB7777
Жыл бұрын
Amen! Sing it!!!🙌
@mikel2044
Жыл бұрын
I stopped the recreational shopping when I was thankful for all the things I had in my home. There was no longer a need to go out and waste my time and money in the stores. I spent more time with the stuff I already owned.
@luba-healthywithluba6866
Жыл бұрын
That is beautiful! There are dozens of things to do at home. If nothing else, there is a book to read. I never understood recreational shopping unless it meant going to the mall and looking without buying. Haha 😄
@kellielambert2184
Жыл бұрын
I loved this video. I still think many people don’t know the difference between frugal and cheap. Everyday frugal habits enable me to enjoy an overseas holiday for four weeks each year. I do have a few designers bags that I use constantly and were bought with cash, I like them and saved up for them. A few people have mentioned that I won’t buy a coffee everyday but will buy a handbag. Yes, I will as not wasting my money on a daily coffee and bought lunch enables me to buy that bag. I have never been much of a shopper as I don’t like clutter around my home. Jane, I like your saying of do what works for you, some frugal people would be horrified that I spent a lot of money on two bags but as I say to others, it is my money to use how I want 😊
@woman5918
Жыл бұрын
The relief you refer to I felt when I had a grown conversation with relatives basically advised them that continuing to purchase Christmas gifts for everyone was very stressful and honestly monetarily wasteful for me. The reception was not uplifting but they agreed to my request to only socialize and enjoy each other’s company over meals without exchanging gifts…so much happier 😊
@dawnmorandin541
Жыл бұрын
We do a no gift Christmas every year and it is freeing not to have to troll through the malls every year with a glazed look on our faces with what to buy again.
@LeannsAdventures
Жыл бұрын
My siblings and I agreed to that a few years ago. Less stressful and you end with too much stuff as you get older anyways.
@perolagrande
Жыл бұрын
@@dawnmorandin541 Stupid how so many people get ensnared in these rituals (Christmas shopping) just because they think it's the thing to do, since they perceive everyone else is!
@sheilahughes3561
Жыл бұрын
We stopped living from paycheck to paycheck in 2010 when we cleared all debts except our mortgage! We paid that off in 2019. We now have sinking funds and we save thanks in part to the advice on this channel! We had been putting more aside as we were preparing for redundancy but my husband is not being laid off now! He found out two days ago!
@FrugalQueeninFrance
Жыл бұрын
that's a relief Shelia, thanks for keeping me up to date,
@garygnagey3569
Жыл бұрын
I was raised in a home of plenty but even then always enjoyed the challenge of frugality! I never felt entitled and always lived within my means. The only time we struggled was when my husband, who only missed 2 days work ever, contracted multiple serious illnesses one right after another. Our savings wiped out quickly. The kindness and generosity of others, our frugal reputations, and even more belt tightening got us through to the remission side of things and we are still learning new ways to continue to rebuild. We never used credit or debit cards and still do well! We live well every day and are grateful for all that we have!
@celticseaalchemist7667
Жыл бұрын
Thank you for sharing your experiences and tips for staying on budget. Sometimes budgeting time and energy is also important to staying on the path to our goals. For me, I am grateful to have my groceries delivered, as do others who live with chronic pain and injuries. By doing so, I avoid having to lift, load, unload, and carry my groceries 5 times. This allows me to maintain enough energy to accomplish other things such as make all our bread, which I trade for fresh local eggs. Some things which are conveniences for some, offer freedom or independence for others. I cook from scratch and we eat at restaurants maybe 2ce a year, which is a treat.
@FrugalQueeninFrance
Жыл бұрын
Thanks very much
@celticseaalchemist7667
Жыл бұрын
@@FrugalQueeninFrance I forgot to share my savings in my comment! Although I pay a small monthly fee for an unlimited delivery pass, I save a minimum of 20% each time by shopping the sales and using membership coupon deals. I also get an additional 5% off store brand items and purchase items we need that offer extra rewards points. I use the points for free items or additional $ off my total order. An example is a free jar of raw honey for 3 points- full price is $7.99. Sometimes it's $6.00 off a meat department purchase, or 2 cans of tomatoes or veg for 1 point. According to my recent receipt, I've saved about $500 so far this year!
@juliemoore6957
Жыл бұрын
Yes! Gratitude is the way! We are so blessed in so many ways! It's the simple things in life that really matter.❤
@dunka4038
Жыл бұрын
Trying really hard just to make ends meet. Sinking funds are just not possible, but your videos are so helpful anyway. Thank you you two.
@FrugalQueeninFrance
Жыл бұрын
Best of luck!
@nicB7777
Жыл бұрын
They will be possible in due time- it took me 5 years to begin a sinking fund in my debt pay off!!! I started with $5/pay just for my vehicle inspection. It starts the next snowball! Best of luck and keep up your hard work and perseverance ❤
@lisafromindiana1718
Жыл бұрын
You are absolutely right about us being rich. Even the poorest of us in the west have more than the majority of the world.
@susanjacks8830
Жыл бұрын
We are nearly debt free except the mortgage. Thought of you today Jane. My husband had to take his truck in for maintenance, service air conditioner, plus 4 brand new tires. It wasnt a cheap service bill but we paid the bill in cash that we had saved in our sinking fund for car maintenance. The bill was $1477.00 which was shocking but we felt good having the cash to pay in full. No credit cards involved. I look forward to these mid week money chats because they are so informative. Of course its not like you havent been there like the rest of us. So thankful I ran into your channel. Ohio USA.
@FrugalQueeninFrance
Жыл бұрын
Thanks for sharing
@LynneAllison-ok5rn
Жыл бұрын
Absolutely LOVED today's video Jane & Mike!! Everything you've mentioned I did the 'been there, done that' and will never go back to living that way again. Frugality is my lifestyle and when you live on a Senior's fixed income (in New Brunswick, Canada anyway) you really haven't much of a choice if you don't want bills falling behind. Thank you SO very much Jane & Mike for all of your hard work - I appreciate every minute of it!!
@FrugalQueeninFrance
Жыл бұрын
You are so welcome!
@hrhsophiathefirst4060
Жыл бұрын
I am getting better, we do save first before buying but I recently was laid off and was able to cut my discretionary spending in half and not feel as if we were missing anything! Mind blown and I will continue to monitor even after I find a new job.
@FrugalQueeninFrance
Жыл бұрын
Thanks for sharing
@decdavey6470
Жыл бұрын
So true - gratitude makes us better stewards, as we respect our blessings.
@FrugalQueeninFrance
Жыл бұрын
Absolutely!
@juliethompson5301
Жыл бұрын
Good call Jane on people wasting money on coffee shops and lolly ices 😊 sadly ice cream vans beloved of our childhood are also rip offs these days x
@lindaday4956
Жыл бұрын
I think we all go through seasons of much and seasons of little but the most important thing to remember is to be grateful for whatever season we find ourselves in. My mantra besides maintaining a spirit of gratitude is choosing Joy. There is always something to find joy in and something to be grateful for. Thanks for sharing your grateful spirit with us. ❤
@FrugalQueeninFrance
Жыл бұрын
Absolutely right, there's joy everywhere
@dennisealexanderhale1300
Жыл бұрын
Beautifully said. 🌻
@lindaday4956
Жыл бұрын
@@dennisealexanderhale1300 thank you so much ❤️
@loriw4765
Жыл бұрын
Being able to sleep peacefully at night knowing our needs are met and we have some funds set aside for emergencies is worth far more than purchasing things that we will eventually tire of. We are so blessed to have "enough" and be content with it. Great video!
@TPayne-fm8ie
Жыл бұрын
Great video, Jane & Mike! I agree, attitude is everything. In 2008, our business collapsed. By 2009, we had lost our incomes and all our savings. Going from wealthy to poor, in just a matter of months, was heart wrenching. Gratitude became our Saving Grace. We've since rebuilt but we will never leverage ourselves with credit and debt again.
@FrugalQueeninFrance
Жыл бұрын
Thanks for sharing!!
@momjd9985
Жыл бұрын
Where I live we have a winter season. Its pretty expensive to heat my home, so for this winter I’m looking into buying a electric throw so we can stay warm while watching TV and electric blankets for sleep.
@JamieSantos
Жыл бұрын
I hear this from my 85 year old mother all the time, "Well I'm entitled!" I tell her all the time, "Mom, no one is entitled to anything.....even if we earned it." She will just argue until the cows come home so I have given up undoing the brainwashing. I don't buy make-up ( my husband said I look like a painted clown ), jewelry ( is it really necessary? ), perfume ( chemical laden, hormone damaging ), color my hair or go to the salon every month. Usually I go every 6 months for a good cut. I do splurge on quality body, hair care and organic food. If I were buying clothes, shoes, purses ( do women really spend 500 dollars on ONE purse?! ), make-up, jewelry then I would have no money to buy quality food for my family. I love the talk on patience. It is key to staying within your means.
@JuanitaNance
Жыл бұрын
I 1000% agree with you about the attitude of gratitude. I am $5,000 away from being debt free, and was getting very discouraged about how long I have been paying off debt. (I've paid off $34,000 of debt in the last 5 years) But I had a heart to heart talk with myself and decided to list all the things I have to be grateful for!!! I am so blessed to have you and this community to encourage each other. Joy returned to my heart & mind, and I returned to my frugal ways with gratitude, much like a muscle that has to be used. THANK YOU SO MUCH.
@FrugalQueeninFrance
Жыл бұрын
You're doing great
@jonismalle7666
Жыл бұрын
I agree that changing your mind set is essential. So value simple living.
@suebee1540
Жыл бұрын
Spend less than I earn. Pay myself first. Save,save,save.
@gretelwhite8088
Жыл бұрын
I broke free of that cycle when I decided to prioritise paying the mortgage early above all else. It was hard, with a London commuter belt mortgage and just one salary from working in the not-for-profit sector, but it was worth it! Thank you Jane and Mike, the voice of common sense again, I love it! Sometimes it is so good to know that someone else is thinking this way too. I just wish I could teach this sort of stuff to some of my community who have no money for the basics, but have all sorts of things that really aren't necessary. This should be a skill taught in schools and other community groups. Any ideas how this could happen in our materialistic, consumer culture?
@FrugalQueeninFrance
Жыл бұрын
It would be seen as left wing brainwashing if we told school kids not to get on the consumer treadmill.
@embowers1598
Жыл бұрын
We home educate our children and teach them frugal, home-based living skills, not consumer culture. Rather than being seen as left wing brainwashers, we are more often seen as far right religious conservatives - we are neither. Probably more old-school liberal atheist pagan thrift 😂 Jane, your channel is a lovely bright spot in my evening. Thank you!
@marianhunt8899
Жыл бұрын
The problem Jane is when people have budgeted, are frugal, are working long hours to the best of their abilities and the salaries do not cover the very basics of life such as food and rent and social safety nets are in tatters, what then? Starve? Stay under a bridge accompanied by rats? Our economic system is so very unfair. I know so many people who are not spend money recklessly and still can't afford food, rent, energy etc without debt. How can our Leaders allow this to happen. It's beginning to look like Charles Dickens time allover again in certain areas.
@FrugalQueeninFrance
Жыл бұрын
@@marianhunt8899 they allow and want it to happen, I no longer vote as I don't live in the UK. However, if you vote for pocket lining shysters , you'll get trampled. Rise up like sleeping lions as we are the many and they are the few.
@kathymarxer6952
Жыл бұрын
Thank you for reinforcing values! I fell off the budget this summer and now am back on the path again!
@FrugalQueeninFrance
Жыл бұрын
You are so welcome!
@luba-healthywithluba6866
Жыл бұрын
Jane, you spoke of posh clothing. Most people probably would not be able to tell if we wear posh clothing or not. Even if they do, they are not the ones paying for them. 😊 Letting go of what I think people may think of me has been a blessing. Thank you for sharing your wisdom with us. 🌹
@FrugalQueeninFrance
Жыл бұрын
Thanks for sharing!!
@luba-healthywithluba6866
Жыл бұрын
@@alyxayto8800 You are so right. Clothing department stores do offer credit cards. Praying to be released from envy is so wise. 🌷
@MaryKane-qv5vz
7 ай бұрын
If you are pleased with your lifestyle you are the only one that needs to be pleased. Love to the puppies from my Peps and all his cat sisters.
@janetstraw191
Жыл бұрын
Such wisdom, Jane. I wish every young person contemplating marriage would hear this message. It could help SO much! 🙋♀️🇺🇸🥰👍‼️
@mlbonventi
Жыл бұрын
Going without things that aren't necessities and knowing what 'enough' is. Being content with where we are and what we have. Creating our own contentment and enjoying simple pleasures. Saving every week.
@nellygs702
Жыл бұрын
I'm a regular viewer since the very beginning of your channel. I find all your chatty videos interesting but this one was really a good one. Thank you a lot
@FrugalQueeninFrance
Жыл бұрын
I appreciate that!
@monicaambs
Жыл бұрын
So glad you talked about sinking funds and why we need them. I’ve been trying tell others about sinking funds but they said to me YOLO (you only live once).
@jbalconi5922
Жыл бұрын
I must say that's an asinine use of YOLO. It's like throwing oneself out of a plane without a parachute because one is too impatient to pack the chute and put it on. BTW my community saved our schools through the use of sinking funds for specific repairs rather than open-ended millages.
@lynnoorman2144
Жыл бұрын
Yep, agree, YOLO. Absolutely. BUT do you want to live a large portion of that life in misery surrounded by a lot of useless trinkets when you loose your job or your debt spirals so far out of control that you can't afford the minimum payments??? I'd rather live a slower, more contented with the small things kinda life!
@monicaambs
Жыл бұрын
@@lynnoorman2144 Me too
@KarenJamieson-o9p
Жыл бұрын
I like that you spell "pay cheque" as such, and not "pay check"! I don't know when things changed for this in Canada, but I find it annoying. Thank you for showing your vulnerability and honesty. No eduction ever comes from a lecture as from the heart and experience. Great values in your video! Thank you!
@dawnmorandin541
Жыл бұрын
My daughters cat sadly had to be put down last week, my husband needed a tooth removed, but it was all taken care of with our emergency fund. The vet bill was paid in full at 8am without the added stress of wondering if we could pay, the dentist was also paid in full ( I may add that both wanted full payment at the time of service ) I am thankful that we don't need to by a coffee or doughnut every time we pass a Tim Hortons like some people I know, we take a snack or drink with us. The freedom of been able to pay for life's ups and downs is worth any amount of stuff in a closet or stuff on the walls, those new shoes won't pay the piper lol
@gladyschandler6724
Жыл бұрын
I buy a chai concentrate from market and can make 4 chai's at home for the price of one out.
@susanmcdowell6316
Жыл бұрын
Very eye opening! Thank you for reminding us to have an attitude of gratitude ❤️. Really enjoy your videos. (North Carolina, USA)
@dennisealexanderhale1300
Жыл бұрын
Also Jane, the lentil bolognese was fabulous. Yum!!
@FrugalQueeninFrance
Жыл бұрын
super!
@elizabethbertsch3066
Жыл бұрын
I’ve been debt free since 2010, including my condominium. I have lived frugally my whole life with few exceptions. It allowed me to retire at 53. I, too, am so grateful for all that I have. I continue to live frugally and enjoy it 😊. Thanks for the video!
@FrugalQueeninFrance
Жыл бұрын
That is awesome!
@barbaratolker4366
Жыл бұрын
We "pay ourselves" - auto transfer a set amount monthly from checking to a sinking fund account. It looks like we have less money in checking and spend accordingly.
@jeanneerwin9655
Жыл бұрын
Jane and Michael, I am very grateful for your weekly videos for living a full and rich frugal life. I appreciate all of your good advice and teaching. They have helped me so much! God bless you both and thank you for sharing your lives and your home with great advice for my own better life. Many thanks! Jeanne Erwin, San Antonio, Texas
@FrugalQueeninFrance
Жыл бұрын
Our pleasure!
@bunnobear
Жыл бұрын
Great video, I was 40 before I learned about zero based budgets and am now 52, there is nothing I want badly enough to go into debt for. If I don't have the cash for it I don't buy it, I didn't even know what living paycheck to paycheck meant before then. I will never forget the stress of the snowball running down the hill when most of our paycheck was going out to pay back the mortgage and credit card and there was nothing left.
@tinablair2206
Жыл бұрын
The biggest thing for me was getting rid of debt. We have one vehicle now. Cards are all paid off. Have been cash flowing all projects around the house. My husband is great at taking care of what we have. He just retired. We have been able to take a few short trips to celebrate. All this is planned for with money that is budgeted. We have been using our working pantry and doing low spend grocery shopping to finance stock up shops. Our mindet has changed too. We are thankful for what we have and enjoy living pretty simply.
@susanbelrose2767
Жыл бұрын
We live in a tiny house with no mortage. In this time of crazy high rent it makes us so very thankful!!
@lenaharden5486
Жыл бұрын
Thanks, Jane and Mike for your thoughtful video. Your informative, inspiring discussion of frugality seems very much like the FIRE movement - financial independence retire early.
@FrugalQueeninFrance
Жыл бұрын
Our pleasure!
@kathiparshall8094
Жыл бұрын
Thanks, we have money in savings to back us up. We still live within a paycheck to paycheck budget, but don't have to. The thing that helped most was getting debt paid off, like car, credit cards, medical bills and ortho. So much less stress and worry.
@janefoley5184
Жыл бұрын
I agree, especially about living a life of gratitude!
@Art930
Жыл бұрын
Great pep talk, especially about gratitude.
@Carolmaizy
10 ай бұрын
Thank you for your honesty and insights. My prior resistance to budgeting was foolish. I am now actually enjoying putting money away in my sinking funds, and I love the peace of mind that results. You keep me inspired to continue on my debt- free journey.
@KarenReusch-j1u
2 ай бұрын
Thank you Jane! You have sooo manygood ideas and your enthusiasm is inspiring and contagious!
@FrugalQueeninFrance
2 ай бұрын
Thanks so much
@juststoppingby390
Жыл бұрын
We martied in 1993 and folloed the same path ad you. In those days buying fixer uppers was what we believed smart people did. We thought we were building for the future. But we stayed behind scraping to do up each house whoch was only truely done and all lovely for the next owners. Looking back we were working for others
@Vangirhl
Жыл бұрын
Great video!! I loved everything about it. Gave me some ideas to use, as well. Some of the best advice I heard (and I wish I could remember where I heard it!) was "finish your starter home". We're not "finished" with it yet, but staying in our cute city bungalow has allowed us to live below our means and do some things we wouldn't have otherwise been able to. We can take a cash-flowed (sinking fund in place) vacation with our kids, etc... We're on track to pay it off early. Working on that Baby Step 6 right now, too.
@FrugalQueeninFrance
Жыл бұрын
Stay in the first house you buy us good advice too
@farmerwife8412
Жыл бұрын
Wonderful! Thank you, Jane. I appreciate the encouragement to stay in track. ❤
@FrugalQueeninFrance
Жыл бұрын
You are so welcome!
@marielama8173
Жыл бұрын
Thank you for a great video! You have inspired me to start designating money for different expenses that will come up. (SINKING FUNDS) Thank you for reminding us of the values that are so important in keeping us focused on our frugal living goals.
@FrugalQueeninFrance
Жыл бұрын
You can do it!
@lynngudgeon9416
5 ай бұрын
Thank you both for being so kind and thoughtful. I take everything that you say to heart and try to be a bit more frugal every day. My parents were not the type to sit down and explain these things so my husband and I just take it day by day. I am so thankful for what I have, and I have many things that can help others now that we are empty nesters. Have a blessed weekend 😊!
@FrugalQueeninFrance
5 ай бұрын
Our pleasure!
@jacd8666
Жыл бұрын
Love it......what wise words...you're both great role models. Thank you.🤗
@FrugalQueeninFrance
Жыл бұрын
Our pleasure!
@juliemarshall4354
Жыл бұрын
Thank you both so much for this video. I found myself nodding in agreement with everything you were saying. You have summed it up beautifully. All the best for your future!
@FrugalQueeninFrance
Жыл бұрын
You are so welcome!
@stacel1972
Жыл бұрын
Attitude of gratitude. Yes!
@debrapritts7978
Жыл бұрын
Thank you for the videos. Your dogs are precious!🐶
@giannettawhitfield9251
Жыл бұрын
Great video , I have seen people in the time you mentioned in the early 1990 ‘s , people I knew moved to bigger houses, etc , but it was not paid for by their savings, it was loans, an they seem no happier than those who were frugally, I know you feel rich when you don’t own anything or anyone money, everything is paid for, it just patience to wait until I have the money to buy something I need , I also wait for the sales ,
@FrugalQueeninFrance
Жыл бұрын
patience is the key
@amandathemadscrapper6993
Жыл бұрын
I’m thankful we never lived paycheck to paycheck. Combination of planning, studying, and saying No a lot, plus a fair amount of what some would say luck. But we still budget, plan for overseas holidays, and our focus for the past few years has been retirement planning. We paid off the house we lived in around 12 years ago and have been paying off investment properties since then. We had children ‘later’ and they are still at home (school/Uni) so those expenses mean retirement is still a few years away!
@MrsBullfinch
Жыл бұрын
Thank you. When you say you have an account for the dogs does that mean you don't have pet insurance. I have often wondered should I stop paying pet insurance and put the money into a bank account instead. Thanks again for some useful advice.
@FrugalQueeninFrance
Жыл бұрын
We don't have pet insurance. However, you need to do what is right for you
@FrancescaLife
Жыл бұрын
I absolutely treasure your channel. Thanks for keeping me on track ❤
@FrugalQueeninFrance
Жыл бұрын
Glad you enjoy it!
@ivanahanus5101
Жыл бұрын
Thank you for your videos, they are much appreciated. We have been in a similar situation in the past but now I can also feel the freedom of being debt free and frugal. I am very grateful for the basic needs being met and for a frugal home. The one thing that I save up for is travelling to the UK each year to visit my children. I live in South Africa so that is a huge amount I have to save up, for the air tickets but worth it.
@FrugalQueeninFrance
Жыл бұрын
Happy travelling
@anita_R
Жыл бұрын
Thank you so much. Yes just like you. No debt. Xx
@lynnhensley4326
Жыл бұрын
We also have discretionary monies,in cash for personal use each week. Working on funding sinking funds and except for a home equity loans for needed updates to our 50 year old house, we don't owe debt. Pay off credit cards before they come due. Thanks sharing!❤ Retired but part time jobs we enjoy.
@gladyschandler6724
Жыл бұрын
I have a HSA from work to pay for dentist in Sept.
@ashjoma
Жыл бұрын
Oh Jane, I’m admitting I made a frugal mistake today and I regret it. I am rewatching some of your videos to make amends !! I paid $22 aus for a Thai food takeaway and a soft drink for lunch for myself as it’s just me at home till Tuesday and I was feeling like I wanted something easy and quick. To make it worse, I had $70 to last another week as things are so tight after all the huge price rises here. So now I’ve got $48 for the week. And I’ve been really mindful too with no unnecessary spending and making do with what I have. I’ll watch another video…..
@lisam.8971
9 ай бұрын
Thank you for sharing! I so appreciate the way you tell it like it is.
@FrugalQueeninFrance
9 ай бұрын
You are so welcome!
@deedavies887
Жыл бұрын
Re drinks, you can take a cold drink with you, or a flask of a hot drink. We have a box in our boot with our plug in kettle, coffee etc. So when w3 are out for the day, we can pop the kettle on and have a drink inbetween destinations. We are going down to one car today, and have been looking at upgrading, but will probably wait a little while more.
@FrugalQueeninFrance
Жыл бұрын
We do the same if we go out for the day.
@wendygardener2316
Жыл бұрын
wonderful video!!
@FrugalQueeninFrance
Жыл бұрын
Thank you!
@annamariegreene3736
Жыл бұрын
Thank you again for a great video 😊
@victoriaclause6152
4 ай бұрын
One of your best!
@gladyschandler6724
Жыл бұрын
When you have a house lots to do and projects Next year a deck.
@LibAlcock
4 ай бұрын
in our country, certain banking institutions discourage saving money longterm, those banks charge “dormancy” fees etc.. You really have to regularly review all your long term savings accounts to protect your hard-earned savings. ❤ 🇨🇦
@lizwhitelaw864
Жыл бұрын
I love your videos. I’m a Brit living in Australia. We moved away and managed to not have a mortgage at age 40 from luck with exchange rates etc. we moved back to UK after 7 years which in hindsight wasn’t the best decision as it didn’t work out (work was awful and the schools/ opportunities for our kids where we settled weren’t great and don’t get me started on Brexit, although it was a fabulous experience to live in a wonderful village for 4 years) so we returned to Australia. Our money had devalued considerably in that time mostly because of political events. The sad bit is we have a mortgage again in our 50s but we are trying to get rid of it asap. Joy and gratitude are wonderful things. I find your Videos really supportive and motivating. 😊
@FrugalQueeninFrance
Жыл бұрын
Thanks for watching
@cathyallshouse2981
Жыл бұрын
Another good message, thank you. I've been trying hard to break through that myself. I live in a large city where housing costs are high, which I find complicating. I can't stop working and move to a small town, but my housing costs keep rising while earnings stagnate. It's so disheartening. Plus I'm a single income household, making it harder, I'm truly feeling some negative physical effects of this financial stress. The way out of this is not clear for me.
@juststoppingby390
Жыл бұрын
I knew you were in education. You have a superb teaching manner you are very appealing to pisten to and explain things in a way that makes sense
@Spot4art
Жыл бұрын
We are so blessed. You are so right about gratitude ❤️❤️❤️
@sandrawhitacre
Жыл бұрын
Thank you
@FrugalQueeninFrance
Жыл бұрын
You're welcome
@milda0820
Жыл бұрын
💖💖💖
@tricialeone6651
Жыл бұрын
Your mid-week money chats are so helpful, thank you!
@MrsUnderwriter
9 ай бұрын
Brilliant!
@FrugalQueeninFrance
9 ай бұрын
Thanks
@patriciarobbins7876
Жыл бұрын
Great video. Thank you.
@FrugalQueeninFrance
Жыл бұрын
You are welcome!
@loriella6250
Жыл бұрын
I love your gratitude perspective. I feel the same way.
@gladyschandler6724
Жыл бұрын
Goals are essential
@denarupp991
Жыл бұрын
Thank you Jane and Mike!
@gladyschandler6724
Жыл бұрын
Great video Jane
@FrugalQueeninFrance
Жыл бұрын
Glad you enjoyed it
@marypeterson1053
Жыл бұрын
Thank you again..
@Waterlover58
Жыл бұрын
What are your thoughts on spending more on organic food? Is it worth the extra expense?
@FrugalQueeninFrance
Жыл бұрын
It's not my choice. I respect anyone's choice.
@rebacarmack8335
Жыл бұрын
I use to think people that said at home coffee taste as good as bought- I said no way, but I add real cream to it and it really does taste quite good,
@perolagrande
Жыл бұрын
The typical family wastes a third of the food they buy. In the UK, they'll spend £8-10k a year on food, so that's easily £3,000 that could have been saved. Then they turn round and complain they can't afford to pay their utility bills!
@carolined3058
Жыл бұрын
Broke free 1.5year ago by budgetting, only buy needs and living below budget
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