20 Frugal Techniques That Helped Us {Become And...} Stay Debt Free

[@SimplyKatieWalks]

I'm 56 and retired. That may seem early, but my husband starting going blind two years ago. I'm so thankful I can have this time with him to travel and just slow down life. Thank you for reminding others that anything can happen.

[@Thesignarizzler123]

Sorry to hear this. I’m sure you can make some memories to treasure. 🙏

[@SimplyKatieWalks]

@@Thesignarizzler123 that is the plan! I'm so thankful he can still see on good days. I'm so glad we set ourselves up financially so that we have this time together

[@danibryant9318]

@@SimplyKatieWalks Sorry to hear about your husbands eyesight, check out Whole food plant based diet for curing blindness, it works also ck out what Dr Goldhammer is doing to help with this

[@msgriffin41]

Second hand furniture and decorations is the way to go. My entire house is second hand decorated and we love it!

[@cathyphillips679]

I am not debt free yet, but am on the way. My son and his girlfriend are renovating their home, as they can afford it, of course! I visited them last weekend, and in the past I think they always felt that they had to "entertain " me which was expensive and totally not necessary! This time, I borrowed a movie from the library, and we had a movie night at home. I also took my scrabble game, and we had a really fun time, without any of us spending a dime.

[@Shopgirl1]

I will never be debt free..with taxes, insurance, utilities, doctor visits, meds…even though no home, mortgage or credit cards there’s still debt!

[@danibryant9318]

This is excellent, sounds like a fun night, when my daughter comes home we play games at night, I just love it

[@danibryant9318]

@@Shopgirl1 you oughta change your thinking, start studying how to become debt free with you tube podcasts, you can do it, Dave Ramsey is a good start

[@flonotflow]

Meal planning is such a game changer on multiple levels. Less money spent and less stuff in the trash! Self control is also a biggie, particularly in our instant self gratification society. We knew our kitchen was going to need remodeling at some point. So I just started saving for it. Last summer we finally did it and not only is it wonderful to have it done, the sense of satisfaction in knowing it's totally paid for is HUGE!

[@KerryJames-l6z]

I couldn't agree more how beautiful old second furniture is

[@jacquelinebottenbley8021]

I put needs in a cart and wants in a wish list. Then i buy one or two things per paycheck.

[@flonotflow]

I find that a lot of the time, the things I put in the wish list end up deleted once the urge passes too!

[@danibryant9318]

thats smart, I buy the extra "wanted" things at the first of every month, I can see the whole month ahead of birthdays, places I want to go where I will want to buy stuff, just planning ahead a little helps too

[@saversavvy2670]

We rarely go out to eat for a date but if people want to go every week just use the fast food apps and eat cheap. You can have just as much fun getting a 5 dollar meal and free frosty (with the key card you buy for 2 dollars once a year) as you can a fancy place. Think outside the box. Of course not going ou saves the most. All our dates when the kids were little were with a dollar rental dvd, popcorn, and a once a week can of coke!🌞 To be honest it is still is my favorite 🌞

[@janetstraw191]

Just a suggestion: In late winter, call your local nursery and ask to order Lavender in pots. Place your order and when the nursery places their seasonal plants orders - they will include your order. Also - I, nor anyone I know - has ever had success with growing Lavender from seed! Order ahead! My best variety is always ‘Hidcote Blue’.

[@marciethorn3624]

One more thing in common....my husband is 12 and a half years older than me too!!!! I swear you are my twin somehow!!!! Love your videos!! It is like a good visit with a great friend!!!

[@AmorYMigas]

Your videos give me encouragement I really need. My husband and I are doing ok but I have so much anxiety about it. I need to talk to myself like this and listen to your videos daily. It helps.

[@kenyonbissett3512]

A support system helps.

[@anneard1674]

as for putting stuff in the cart on line and waiting till end of month... one might not even remember what was on there if you don't go check it regularly! married 55 yrs hubby and I used to walk the mall but leave my purse in the trunk of the car (I had the credit card) so if we wanted to buy something we had to go out to the car at the end of our meandering to get my purse and go back in, NOT ONCE did we go out for the purse!!!!!

[@KerryJames-l6z]

Eating out is like every three months never dessert only coffee or tea muffin or occassionaly a taco meat yess grow our greens that's clever

[@danibryant9318]

Thats great, so much will power, I use to own a Boutique, my daughter and I would work all day then head to the mall till it closed, my boyfriend never under stood it, the packages would come out when he left to work the next day, we both still love to shop but now we look at the sale rack first

[@WickedAwesomeGardening]

A little tip, Lavender seeds are notoriously difficult to start and get growing. Sprinkle a few seeds on a damp paper towel put the paper towel in a plastic bag, push all the air out, and put it in your freezer for about a month. Then sprinkle them on top of your seed starting mix but don't cover them. They need light to germinate! Good luck!

[@saraconklinfrozenpennies]

I’m not seeing anything yet coming up. I may have to try again with your tips!

[@shelbygreen3404]

Interesting 😮😊

[@dizzysdoings]

If I was just a bit younger when my husband died, I would have been in trouble. If I was a bit older, I would have been able to get more money each month. When he died, he was on disability and was receiving his pension. I was old enough to get 2/3 of the amount he received from SSD. I also get the same amount from his pension. I was a sahw, and if I didn't have this income, I would have had trouble finding a job that would have paid me enough to afford everything.

[@annacentola]

Sara, I live in Rochester and the Wegmans here have lavendar plants outside for sale.

[@bessieoriotis5104]

If in the US it helps to buy a smaller condominium for two people and all your kids have flown away that might help. I live in one and I tell you it's a lot easier to maintain, clean and pay for it. As you get older you want less things to clean less and easy to clean. You want delicious food that takes less energy and time. This is esp helpful if you have a knee problem, etc. The other thing we need less heavy furniture because with aging comes the onset of not being able to lift heavy things. If you are like me, you will avoid as much furniture as necessary because I'M sick of falls because our younger kids are not always proactive and I have fallen many times because of loose wires or too many things that need to be cleared and I end up falling and sometimes feeling the pain for a week or two having been lucky I didn't need hospital care. Simplicity is a Godsend and it's economical. 😊😊

[@silmuffin86]

Just one quick consideration though... loans for big purchases like a house or an extension on the house, are not always bad. If your payment today is X amount, with inflation over time it won't be half as bad as it looks now

[@danibryant9318]

agree

[@abigailboyd2534]

Really love and appreciate you!!!

[@terrypelletti8535]

Very good content. Thank you ❤

[@KimberlyAnn1971]

Great tips!! Thank you!!

[@wandahall4435]

Great job Sarah ❤❤❤😮😮😮😊😊😊

[@samanthadudley6412]

We are buying a fixer upper home and we are doing repairs and renovations as we have the money to do it. We are having to do a little bit here and there but I know eventually it will be finished.

[@retirementbudgettravel699]

Great video!! Always learn something new!! 😁👍🏼

[@sandraboose3686]

Thank you!

[@LauraWeldon-yv6qr]

Great pep talk!!!! Thank you!!

[@jacquelinebottenbley8021]

Lavendar blooms between june and july.

[@kenyonbissett3512]

Shaving from a bar of Irish spring original scent placed around the area of entertainment works as a repellent. On a personal level, take a vitamin B complex 20 mins before you go outside to work/entertain, this makes you unpleasant to flying biters.

[@saraconklinfrozenpennies]

No kidding?!? I absolutely trying the Vit B!

[@kenyonbissett3512]

@@saraconklinfrozenpennies lived in a waterfront community with marshes, mosquito heaven. My sister and I kayaked every week that summer and fall. Used vitamin b complex and though mosquitoes normally skip everyone to feast on me, I didn’t get bit once, same for my sister. Worked for my SIL. But my dental assistant called it a fail, 😞. But many other YT commenters have said it worked for them.

[@KerryJames-l6z]

We go out for lunch or coffee and cake for birthday celebrations

[@Devie-tx8ri]

House extension loan. Have you calculated the approximate total to see how much interest you would end up paying. You may even be able to work out a store credit card with zero interest and use the plan to start early or as additional credit building. (It maybe something outrageous and not even worth the loan, but maybe not if finagle right.) 😁

[@suzettecooper382]

I let my lavender plants seed occasionally. Let nature control this and you will be able to increase your plants.

[@MadisonBriggsArtchick]

Life insurance!

[@kenyonbissett3512]

✅ Great video.

[@KerryJames-l6z]

I have several income streams age 56

[@danibryant9318]

Would love for you to share them, I am 64 and just looking for a little side hustle

[@KerryJames-l6z]

I am 56 in thirty years inwill definitely be in Heaven

[@veryfeminefemale1]

Did you become a financial coach through Dave Ramsey course? If so did you like it? Did you buy into the extra money to spend after you graduated from the basic class? If not Dave Ramsey, who would you recommend to go through their financial certification course?? Thank you , 😊

[@danibryant9318]

Hi this was not meant for me but I see you received no reply, I will try to answer your question, I taught D Ramsey's course for one session, you need to contact his office to become their recommended financial coach where you get on their list for referrals, and take their classes, never took the basic class for coaching, just the FPU, Highly recommend his business, look at his reviews, some people hate him and some love him, decide for yourself