1. I live by my credit cards for a number of reasons, and I don't believe I have ever paid a penny in interest. Two of my cards are the kind that have revolving quarterly specials where my cash back is 5 percent. And my grocery store gives a 5 percent discount for seniors on Wednesdays. Whenever one of the cards has a special on grocery stores, I buy a gift card for, say, $500 using that CC; so that is a 5 percent savings right there with CC cash back. Then any groceries I buy there I try to get on Wednesdays, getting another 5 percent benefit from the store. Voila! my groceries are 10 percent cheaper. (If I had a family and bigger grocery bills, I would have a three-month span in which to invest in those gift cards.)
2. As much as possible, I buy my clothes at a nearby thrift shop. Lots of good deals there. Yesterday I got three NEW items. I got a warm pair of pajamas, a beautiful shirt, and a pair of high-quality sweatpants. Total cost (and never any tax) came to $7.99.
3. Just thought of this third one: Did you know that Black Friday deals apply to things like vitamins? I always check out Black Friday deals on anything I plan to buy in the coming year. And I try to buy a year's supply, because that often gives me an additional savings. And I'm always careful to ask if there is a senior discount.
My tip is to use a coupon. Sometimes, I need something from the store (recently, sport shoes for a child), my tip Is to ask the cashier or Google a coupon. I find this is successful about 75%. The coupon is usually 10-30% savings. My kids make fun of this habit, but it works.
One thing someone told me many years ago was to look at something in a store and admire it. You don’t have to buy it just because it’s pretty! Also, when I feel like I am going to buy something on impulse online, I will put the item in my cart and let it sit there for a few days. If I still feel that I need it or want it and can afford to buy it, then I will do that. However, many times, I find that I end up not buying it after I’ve had time to think it through for a bit.
When i want to buy something i'll pick it up and carry it around the store then while walking around i will put it back after deciding i don't really need it !!
At end of each day any lose change in your pocket put it into a can or jar. My son tought me this tip, he was doing this after about a year he had $1,800.00..wow it adds up fast.
At my age of 70 and my husband is 80 years old we decided not to buy a new car again. My tip to others who have a car note that when you complete paying for your car to continue paying that note to yourself. It is so nice to have the money to pay for your next car completely. Just keep paying that note to yourself and you will never be paying interest, and earning interest on your investment in yourself.
Wash dishes as you go, don’t use dishwasher, check that water heater is set no higher than 120°, make family dry hands with dishcloth – ditch the kitchen paper towels.
I love your ideas. I don’t even buy aprons I take big T shirts from my husband or son’s donation bag and make no sew t shirts aprons out of them. I also wear them to garden, cook or eat in the car so O don’t mess up my work clothes.
I air dry my golf clothing inside out to keep the colors longer.
When my teens started working I would always equate something they wanted to buy with how many hours of work it would take to get it. Is that item worth 5 hours of your time?
For annual subscriptions: WAIT until Black Friday! Last year on Black Friday I got 1 year of Peacock for $20 – not $20 a month, $20 for the entire year! I also got Max for 2.99 monthly for 6 months and and Hulu/Disney for 2.99 monthly for one year
Do what you can with what you already have. It's a fun game to play with yourself. I picked up nice big stones on the side of our rural gravel roads to make a landscaping border. I save money the day I get paid. Half for property taxes, half for me. I have no debt anymore. I buy secondhand furniture at Good Will and paint it. Debtors Anonymous taught me how to manage money. I grow food, not grass. Lettuce is so easy! I rarely ever buy processed foods or go out to eat. I cook from scratch or use the crock pot and then freeze portions for later. I'm retired and on social security, so I keep track of everything I spend on an Excel spread sheet. I have liability insurance on my car only. I make coffee at home and take it with me. I always bring my own water in the car. I feed my pets with real food. Cheap chicken legs go a long way. Credit cards and debt is an issue of impatience. Wait for it. Save for it. Use cash. Live minimally, simply, and easily. You don't need more stuff! You need security. Best wishes.
As someone who’s worked in retail one that I caught on was we had people coming in where we can scan to pay their bills, but it didn’t work as bill pay and all of them were saying if I don’t get paid, they’re gonna turn my power or water off, which was strange because that many people that close to having the same thing cut off and trying to pay the same way, didn’t make sense till one of them was talking to someone on the phone trying to explain to them that it didn’t work and so I decided to try hitting a different button and it came up to do it as a card loading instead of a bill payment. I instantly told them to please hang up the phone and call their power company turns out it was a fake power bill. I’ve seen this scam at two different retail jobs before you pay anything to anyone. Please call your actual power water or whoever the bill is through company and just double check
Something else should I do if there's something I want to buy? I will not buy it and wait 2 months. Also, and if I haven't bought it, the amount I was gonna spend on it, I put into savings or if I go shopping, go in just to have a look round and don't buy anything. I will put a Tenner in my savings as I haven't spent any money that trip.
We unplug everything thing in our house except the microwave (stove), refrigerator and TV. We also leave lights on in 3 main rooms all the time. We keep ceiling fans on, usually. You would be amazed at how much we save on electric. Last month was only $58! 2 bedroom house but we use to have lot higher bill until we started UNPLUGGING stuff. Just a thought, may not work for everyone, but might help.
This is an excellent list that included some things I hadn’t heard before! I made a list of things I plan to do for the rest of the year to tighten up expenses.
1. We will move any money leftover from our monthly spending allowance into a fund for a water purifier, so we can pay cash for it instead of putting it on a card. 2. Cut back on eating out by bringing a cooler along with snacks and drinks so we aren’t tempted by the drive thru if we’ll be away from home for a few hours. 3. Pausing spending on clothes, home decor. 4. Doing a bathroom pantry challenge and using up the lotions and soaps I’ve accumulated.
Just FYI I have friends who are First Responders nurses and their rates actually went up when they told them they were nurses because they work 12 hours so that may not be something to let them know
![[Bombshell News] Consultants say we’re DANGEROUSLY near a recession 🚨](https://i.ytimg.com/vi/DvnKvkjdsMc/maxresdefault.jpg "[Bombshell News] Consultants say we’re DANGEROUSLY near a recession 🚨")
Also batch cooking. Make extra at every meal so you can freeze ready made meals. So you're saving money on electricity or gas stoves
Oh my goodness this is so me! I do almost everything on this list. And I got tired of paying for pop back in 1992. Really $.25 a can!
I don’t automate my money I move it myself 😂I NEVER forget
I can offer two more things.
1. I live by my credit cards for a number of reasons, and I don't believe I have ever paid a penny in interest. Two of my cards are the kind that have revolving quarterly specials where my cash back is 5 percent. And my grocery store gives a 5 percent discount for seniors on Wednesdays. Whenever one of the cards has a special on grocery stores, I buy a gift card for, say, $500 using that CC; so that is a 5 percent savings right there with CC cash back. Then any groceries I buy there I try to get on Wednesdays, getting another 5 percent benefit from the store. Voila! my groceries are 10 percent cheaper. (If I had a family and bigger grocery bills, I would have a three-month span in which to invest in those gift cards.)
2. As much as possible, I buy my clothes at a nearby thrift shop. Lots of good deals there. Yesterday I got three NEW items. I got a warm pair of pajamas, a beautiful shirt, and a pair of high-quality sweatpants. Total cost (and never any tax) came to $7.99.
3. Just thought of this third one: Did you know that Black Friday deals apply to things like vitamins? I always check out Black Friday deals on anything I plan to buy in the coming year. And I try to buy a year's supply, because that often gives me an additional savings. And I'm always careful to ask if there is a senior discount.
Enjoy your program so much.
My tip is to use a coupon. Sometimes, I need something from the store (recently, sport shoes for a child), my tip
Is to ask the cashier or Google a coupon. I find this is successful about 75%. The coupon is usually 10-30% savings. My kids make fun of this habit, but it works.
This is a great video. The tips are simple, but I know personally how good they are.
One thing someone told me many years ago was to look at something in a store and admire it. You don’t have to buy it just because it’s pretty! Also, when I feel like I am going to buy something on impulse online, I will put the item in my cart and let it sit there for a few days. If I still feel that I need it or want it and can afford to buy it, then I will do that. However, many times, I find that I end up not buying it after I’ve had time to think it through for a bit.
Typo about coffee I walk past the cafe and say to myself I am good to go no thanks
When i want to buy something i'll pick it up and carry it around the store then while walking around i will put it back after deciding i don't really need it !!
At end of each day any lose change in your pocket put it into a can or jar. My son tought me this tip, he was doing this after about a year he had $1,800.00..wow it adds up fast.
At my age of 70 and my husband is 80 years old we decided not to buy a new car again. My tip to others who have a car note that when you complete paying for your car to continue paying that note to yourself. It is so nice to have the money to pay for your next car completely. Just keep paying that note to yourself and you will never be paying interest, and earning interest on your investment in yourself.
Wash dishes as you go, don’t use dishwasher, check that water heater is set no higher than 120°, make family dry hands with dishcloth – ditch the kitchen paper towels.
Awesome tips
I retire in 2 months and already do many things you mentioned. But now I have even more tools to work with.
THANK YOU
Please do a menu planner tutorial
How does $200k in real estate assets and $100k in a retirement fund = $100k net worth? Shouldn’t that be $300k in net worth? Did I miss something?
I save $1.00 bills / i clean out my wallet every few days. Ones get saved. I’m able to save about 200. Every few months. Out of sight I don’t use.
I love your ideas. I don’t even buy aprons I take big T shirts from my husband or son’s donation bag and make no sew t shirts aprons out of them. I also wear them to garden, cook or eat in the car so O don’t mess up my work clothes.
I air dry my golf clothing inside out to keep the colors longer.
When my teens started working I would always equate something they wanted to buy with how many hours of work it would take to get it. Is that item worth 5 hours of your time?
I pd double house payments every month.pd my house off in 8yrs.😅
Grocery pickup is a HUGE saver, especially if you grocery shop at a department store like Walmart
For annual subscriptions: WAIT until Black Friday! Last year on Black Friday I got 1 year of Peacock for $20 – not $20 a month, $20 for the entire year! I also got Max for 2.99 monthly for 6 months and and Hulu/Disney for 2.99 monthly for one year
Do what you can with what you already have. It's a fun game to play with yourself. I picked up nice big stones on the side of our rural gravel roads to make a landscaping border. I save money the day I get paid. Half for property taxes, half for me. I have no debt anymore. I buy secondhand furniture at Good Will and paint it. Debtors Anonymous taught me how to manage money. I grow food, not grass. Lettuce is so easy! I rarely ever buy processed foods or go out to eat. I cook from scratch or use the crock pot and then freeze portions for later. I'm retired and on social security, so I keep track of everything I spend on an Excel spread sheet. I have liability insurance on my car only. I make coffee at home and take it with me. I always bring my own water in the car. I feed my pets with real food. Cheap chicken legs go a long way. Credit cards and debt is an issue of impatience. Wait for it. Save for it. Use cash. Live minimally, simply, and easily. You don't need more stuff! You need security. Best wishes.
New subscriber. Valuable information here for my family. Thx so much. ❤
As someone who’s worked in retail one that I caught on was we had people coming in where we can scan to pay their bills, but it didn’t work as bill pay and all of them were saying if I don’t get paid, they’re gonna turn my power or water off, which was strange because that many people that close to having the same thing cut off and trying to pay the same way, didn’t make sense till one of them was talking to someone on the phone trying to explain to them that it didn’t work and so I decided to try hitting a different button and it came up to do it as a card loading instead of a bill payment. I instantly told them to please hang up the phone and call their power company turns out it was a fake power bill. I’ve seen this scam at two different retail jobs before you pay anything to anyone. Please call your actual power water or whoever the bill is through company and just double check
I switched from expensive dept store make-up to Sephora Collection and I wait when its 30% off and stock up
Something else should I do if there's something I want to buy? I will not buy it and wait 2 months. Also, and if I haven't bought it, the amount I was gonna spend on it, I put into savings or if I go shopping, go in just to have a look round and don't buy anything. I will put a Tenner in my savings as I haven't spent any money that trip.
Love this I do a lot of theres I'm 28 coming on 29 and I have opened my own pension, but have one with work as well
I take off my good ‘outside’ clothes when I enter my home. I put on my comfy chill ‘at home’ clothes. Saves on washing your good clothes.
Ads every 3-5 tips is incredibly annoying.
Great ideas. I've heard of some. It's invaluable to know these. Bless you for sharing.
My husband was raised (in another country) to not buy anything unless you pay cash for it. Even big items like cars, RV’s, etc 👍🏻👍🏻
Great tips as always Jennifer 👍🏻🥰🤩😍
We unplug everything thing in our house except the microwave (stove), refrigerator and TV. We also leave lights on in 3 main rooms all the time. We keep ceiling fans on, usually.
You would be amazed at how much we save on electric. Last month was only $58! 2 bedroom house but we use to have lot higher bill until we started UNPLUGGING stuff. Just a thought, may not work for everyone, but might help.
😊
This is an excellent list that included some things I hadn’t heard before!
I made a list of things I plan to do for the rest of the year to tighten up expenses.
1. We will move any money leftover from our monthly spending allowance into a fund for a water purifier, so we can pay cash for it instead of putting it on a card.
2. Cut back on eating out by bringing a cooler along with snacks and drinks so we aren’t tempted by the drive thru if we’ll be away from home for a few hours.
3. Pausing spending on clothes, home decor.
4. Doing a bathroom pantry challenge and using up the lotions and soaps I’ve accumulated.
Do you have a print out of these? I just don’t have the time to listen but want to know! 🎉
Just FYI I have friends who are First Responders nurses and their rates actually went up when they told them they were nurses because they work 12 hours so that may not be something to let them know
Pick up line in Walmart is a nightmare! 1 hour to 1.5 hours wait. No, thank you, never again!
Do you share your Pinterest board/recipes
I would Esther pick out my own groceries so I know I’m getting exactly what I want, especially with produce.
I bought a crazy amount of sardine pate, but it's dated September 2029, and I will definitely use it. I actually wish I had got more!
Love your videos!