My dumbest purchase of 2018 & 5 Frugal Things

[@TheRealLydiaSenn]

I wanted to clap out loud when you were talking about banking your raise. This is how wealth gets built.

[@melaniesmith1928]

Lydia Senn this year was my first doing that. After receiving the 1st pay of year, I increased 401K percentage to pull in the raise. Never got attached to the extra money.

[@titalinda8515]

I am a widow with a very limited pension, but thanks to our savings, I add to my pension and I have a very good life. If I don't have the cash, I don't buy it, so no debts at all. I only keep one bank card, to keep a record, but I pay it at the end of the month. Sooo, no debts, I cannot sleep if I owe money. I am an old school grandmother.

[@marywilliamson4086]

Hey Sarah! I have been watching you since early last year. I wanted to let you know that I paid my car off last year! Yay! It is so nice to not have a car payment and have that money freed up to complete baby step 1. Thanks for all your encouragement!

[@Malevolent_Siren]

I paid off $16097.92 toward my debt in 2018 making $40,000/year. My goal was $10,000!

[@stephaniejane306]

Omg great job! Keep going! Do you have much left?

[@Malevolent_Siren]

Unfortunately yes, my total debt is around $180,000 and no I'm not a doctor or lawyer... just an idiot that got a business degree at a private school and went for 5 years.

[@stephaniejane306]

@@Malevolent_Siren that's okay. We have all made mistakes. Keep going! You will get there!

[@tasharichardson9618]

Yayyyyyy!💪💪

[@melaniesmith1928]

Heidi Young big win!!

[@espadron8454]

My husband and I have paid off our first two credit cards since starting baby step 2!!!!

[@melaniesmith1928]

Es Padron woo hooo!

[@DaltonsFriendswood]

My dental hygienist said to floss daily in the shower. Everyone wants to stay in the nice hot shower longer so while you just stand there go ahead and floss.

[@madnessofmymind]

i want to be in the shower as short as possible. :/

[@Elena-er7zp]

Oh whoa. I have heard of people brushing their teeth in the shower but not flossing there too!

[@CalmCottage5]

Keep the plates! You’re debt free and you love them & they make you happy. You go girl!

[@ruthodom593]

Well, this might not sound like a win, but I consider it one...I’ve been debt free three years; I’m currently in BS 6. But my win is this...I was recently hospitalized. I have made a full recovery but I think my health was vastly helped because the whole time I was in the hospital and later in recovery I wasn’t worried about the bills. I knew I had the full amount of my deductible and out of pocket maximum saved in my BS 3 account so I was able to concentrate on just my health and doing what I needed to do. I have to pause BS 6 to rebuild it but I’m healthy and still in good shape financially after a huge crisis so I call that a win! 😊😊

[@melaniesmith1928]

Ruth Odom that's definitely a win!

[@ruthodom593]

Melanie Smith thank you! It was definitely a comfort during the worst of it to know that I could make decisions that were best for me and not be worried I couldn’t pay for it. Debt free is the only way to go! 😊

[@XtineJohnes]

Who are the Idiotas who could dislike this video????? It just goes to show, there are crazy people all over the Internet OMG. Sarah Budget Girl, you are awesome, you and Dave Ramsey got me through all my Medical and other debt and now I only keep my school loan active so I can get credit points and length of credit history. Those Dislikers are just nutbags LOL

[@BudgetGirl]

You're so sweet and I love all your comments!

[@lynns.1855]

I finally became debt free with Jan.'s paycheck! I paid off $23,500.59 in 2 yrs living so tight I could hardly breathe. I make $32, 000 a year. I seriously don't believe its over! When I get Feb's check it might seem real. Thank you for all your help and inspiration! I'd keep the plates.

[@sarahcb5452]

money milestone: we wanted to go into 2019 without credit cards and we made the LAST payment on Dec. 31 2018- whew! Student loans here we come.

[@melaniesmith1928]

Pennies and Planning congrats!!

[@donnoir]

*dances into the comments* I'm DEBT FREE! *internet hi-fives* It took me 3 years, but I paid off $15,000 of consumer debt and snapped my credit card in two to ring in the new year! Your channel has been a huge motivation booster, with your practical tips, sunny smiles and the ever-cute Rory! Keep up the great work Sarah, your videos really do make a difference to others.

[@deathrowtodisneyworld5030]

Sell the costume next Halloween to a coworker for 15 dollars, and you get your money back and they get a neat item for a great price.

[@madnessofmymind]

OR...sell on fb market place

[@PeachReverie]

Good idea! Or on FB market place it's wonderful to buy sell and trade

[@patriciafisher3108]

Sarah, I am only half way thru the video and put it on pause because I want to comment on several points. First off, Sarah you have my upmost respect on the way you handled the pay raise you got. It was a very wise move. Secondly, I am happy for you that you found such good quality dishes for $11. If you love them, use them. Down the road you could sell them at a profit should you find a set of dishes you like even better. It is a win win situation. Now, about you raincoat-- If you had not revealed that you patched it, I would have just thought it was the company's logo.

[@kajellio]

I made my last student loan payment at the end of November. That was the end of $56K in student debt, $24K of it paid in the last 15 months. I'm not debt free yet but I'm on track to pay off my car - my last debt - in about nine months. Less if I can make some extra income.

[@melaniesmith1928]

Kate Elliott way to go!!

[@bonitajordan6825]

I love your dishes. Keep them as they bring you great joy. The costume is great fun but sell it closer to Halloween. My dumbest purchase was cheap, synthetic suede stylish ankle boots from Payless. They are being donated.

[@soren123]

I just wanted to say that your videos are a lot of fun to watch. Your happiness and enthusiasm is contagious! Thanks for sharing with us for the past few years.

[@WendyValencia]

Yeah for investing the raise!!!!!! Girl you are gonna be a millionaire in like 10 years

[@karencatalano4349]

Wait till halloween and sell it on eBay. You could make more then the $11 you spent on it

[@jessicaderstine4061]

I would keep the plates, I'd sell the bowl. Joy sparked is so healthy. ❤️ Always go porcelain filling! So many reasons. 😉

[@granitemoss1451]

I would have kept the plates, too. Sometimes the joy something brings you is worth more than the possible profit to be made. And I agree, a Christmas sinking fund is a GAME CHANGER. Having one lets me actually enjoy the holiday, once the financial stress is removed.

[@jessshelton06]

In debt free!!! $26k in 15 months!!! Thank you so much for your videos!! 🙌🏼

[@Mrsemptynester]

Lol at your money mistake,awwww. I still think you would look knockout gorgeous in that costume. My big win is paying off our mortgage!!! YES!!!! This is huge!!! We have 0 debt!!!! What a great fabulous feeling!!!

[@habibti320]

Just finished BS 2 and made a plan to complete BS 3 by October 2019! Thanks for sharing your journey!

[@123cochic]

Sarah! Thanks so much for the laugh about the costume not because the costume was bad but your reaction to it is so funny! Thanks for being so real!

[@tinagrady8242]

Keep the plates you are debt free!

[@BeachLover6571]

BG you are doing the right thing by enjoying your dishes! Our every day set is Johnson Bros. Friendly Village and we love them! Plus, the prices you quoted are for plates that are mint. I collect dishes and with chips they do not bring much.

[@mariahm15]

This month I paid off a credit card and paid off my phone... I know, I know. I shouldn't have done that in the first place but what's done is done. 🤷🏻‍♀️ I have a budget that I put together that I am actually seriously following. On track to pay off another credit card next month. 😊

[@nikkitajkowski791]

I have the exact same Free Country jacket that I picked up at Goodwill for $5. I use it for my side hustle of dog walking. I have two of the same rips near the pockets. However, it is my favorite coat. It is so warm and comfortable.

[@BudgetGirl]

That's an awesome deal! You should definitely patch the holes so you can keep it for a long time! It took maybe 15 mins!

[@Elena-er7zp]

Keep the plates!! The little joys are worth holding onto.

[@midsouthhomestead9180]

I think you should frame the COSTUME as a reminder to think before you buy STUFF. We paid off a $19,000.00 credit card last year. Now we are pretending we didn't do we can knock down our $29,000.00 mortgage. Love your videos! Rhonda

[@Xballoway]

😂

[@littlelyndseylou]

2018 was the year I got my first "Big Girl job" out of college, and I managed to pay off ~22k in student loans, max out my Roth IRA, and contribute a little to my 401k (which I don't prioritize since I don't get any employer match). Now I'm going into the new year debt free, and with a raise!

[@brendascarbrough7906]

No doubt I would keep those plates. Great, fun video. Thanks

[@livinwiththeedges8283]

Keep the plates!! They bring you a smile.

[@amber4design]

I'm glad you kept the plate set, BG. I would have flipped them, BUT they would have been hard to pack and expensive to ship!

[@Esther-md7sf]

I would definitely keep the plates. The repair is unnoticeable, well done!

[@gp8089]

I am looking forward to my new sinking funds this year! I KNOW it will be a game changer next year this time! Love your honesty! Flossing more is a goal for me this year too!!

[@misssocialdeb3777]

Who says you have to wear the entire costume. Maybe just the hat & mask might be enough. I would keep the dishes, it sparks joy & that my dear is priceless. I have two floral plates on my dining room wall I paid a quarter for both of them at a garage sale. I rarely ever go to gsales,just happened to be driving by & stopped. I just fell in love with them instantly, been on my wall for 10 yrs now & they still bring me joy each time I see them. They might be worth something, but it wouldn't matter. Love your video!

[@erindixon2877]

Since I sell on eBay, I’d sell the dishes! But, they are so pretty and keeping things that bring a touch of beauty to your life is never a bad thing.

[@andir7854]

Good for you setting up your next dentist visit. Mine is set up to reoccur automatically every 6 months, they send me a reminder card in the mail.

[@slowfortune]

Don't worry. We all have stories like these. Found you from the FinCon KZbin list on FB. Have a great day.

[@kristanvandewouwer4036]

I love those plates! I think I would pull out the nicest one, put it on a plate stand and display it.

[@leheemer]

I agree that you should keep the lovely vintage dishes. I get rid of things we don’t like and/or no longer use. That’s part of living like no one else to use ‘expensive’ things that bring you joy! I would try to resell or give away the costume though. :)

[@rochellethundercloud346]

Does anyone else cut up old clothing, bedding, etc for rags and patches.

[@rebeccasuraci7666]

I do! I have parrots And so old clothes become wash rags for my bird cages and stuff. And then I started making more for the rest of the house cleaning bc why not !

[@joanmilano5302]

Great video! I just have to tell you -- you have really created yourself such a beautiful home! I was just amazed when I watched your $5 ($4) Christmas tree video - I thought that was one of the best deals you ever got! I'd keep the plates - you love them, you use them, and you don't have to go through the hassle of selling/shipping them. LOL on the costume!

[@freedominabudget]

YAY!! So glad this series is back!! I would totally keep the dishes!

[@LovedHappy]

Those plates are so pretty! And so are you. 💛Thanks for sharing :)

[@tiffanylikestodance4452]

I would have spent the money on the porcelain filling too. For flossing, the only way I’ve gotten myself to do it daily is to use the individual flosser pick things. Way more wasteful than I would like but it does help build the habit. And I would have kept the dishes if I love them but sold the costume on OfferUp or Amazon. Congrats on the raise!

[@chillinretreat5124]

We have been debt free since January of 2018 or end of babystep 3 as they say! We are currently working at paying off our mortgage! I still think you should model that outfit...looks super sexy!! Lol

[@kiki5671]

I know most people don't floss but when you realize the gunk you get out, it's gross not to. When you're used to it, it only takes a minute and you will just want to do it.

[@somojojo]

Love your videos like this! So real and motivating

[@andiwagner2950]

Keep the plates! They are gorgeous!

[@dori1425]

Keep the dishes they are affordable and bring you joy 💐

[@iamjane9628]

Definitely keep the dishes since they bring you happiness. You had me dying with your comments about the regrettable pirate costume! I love your humor !!

[@rosiemc85]

We cash flowed our $12,000 wedding and have no debt attached to it. We also funded BS1 with our wedding gifts! On to tackle BS2.

[@unicornfrugailty2295]

I would keep the plates. They would be so fun to have. I never flipped anything though.

[@sjspurlock1784]

I think if you like the plates then you should keep them! A collector would probably just keep them put away so they can resell them when the price goes up. I think pretty things are meant to be enjoyed, and whoever made those plates would be happy that someone somewhere is enjoying them everyday. 😊

[@autumnavantsmommy9680]

I would totally keep the plate set if it brings you Joy and that's priceless and as for the Halloween costume I'm sure you'll have no problem selling it start putting it up on sale in September

[@dianechoate2906]

Beautiful plates! I'm like you. If it "speaks to you" keep it. Love that pattern.

[@lisaallred3633]

Maybe organize a fun gift exchange and give the pirate costume as a white elephant gift. Everyone can have a laugh.

[@blciffa]

I love this video! You're so sweet and funny. I'd post the dishes on Facebook marketplace, but if they didn't sell I'd be happy to keep them. You should be so proud of your huge accomplishment paying off that debt. I can't wait to say my mortgage is paid!

[@DebtFreeHopeful]

When you’re re watching and see you got a mention 2 years ago time flies

[@WendyValencia]

You made a wise decision with the porcelain filling. I had to get all of mine removed. That Was way more expensive!!!!

[@julieall_is_good90]

I would keep the plates. Interesting video 😁

[@Edbeatty91]

My stupid spend was last year buying clothes for myself from an expensive MLM company. 😳 Cheaper clothes are fine! Floss weekly😂😂😂 that is 💯 for me too!😂

[@TheMindfulMillennial12]

Hey, you never know when you're going to need that pirate outfit! I think there's actually a holiday called talk like a pirate Day! PS I'm pretty sure I went on a 10-second budget girl rant in tomorrow's video about stopping excuses! 😊

[@laurenh825]

At the end of the month I will have 3 credit cards paid off that were almost $30,000 of debt combined and my car paid off. By the end of the year I will have our last 2 credit cards paid off at around $10k!

[@melaniesmith1928]

Lauren H congrats!

[@amanda-9925]

I love watching your videos! I was wondering if you would consider doing your makeup routine and showing some of the beauty products you use? I'm not expecting a beauty guru video, haha, I just enjoy seeing what products other people use. Especially when it's not all expensive high end stuff that your average person can afford.

[@mandybauer3214]

I would have kept the plates too. That's why I go to garage sales so I can have nice things without spending a ton!

[@kimmaried.7313]

Absolutely beautiful plate. I would keep it too . It’s too gorgeous to resell. 😉

[@normabrown5057]

Keep the plates, enjoy them 🙂

[@lisapitts9518]

You're so smart! I am on disability & my hubby is thinking about retirement in a few years. We are working on saving more money this year than we did last year. We drive used cars that are paid for, I use coupons, I also shop at thrift stores. My friends call me "Frugal Francine". I don't go to the dentist at all, I am afraid if I did I would have a heart attack.

[@beckyhelton5860]

I would keep them. You could resell the halloween costume or donate it so u dont have to look at it anymore...lol l'm super excited and had to tell someone. I'm finished with baby step two. Thanks for all your encouragement.

[@blathsilin]

I would keep them if I really liked them. You gave to give yourself some nice things and create happy things around you!

[@charleneferguson9250]

Great patch on! No one call tell the difference! Right on!!!!

[@msdanaryan]

Haha!!!!!! 😂 Love the "dumbest" thing of 18'. So funny. The sales sometimes get ya. I'm not a Halloween person either.

[@nikkikoz4720]

Honestly they're a little chipped so I don't know how much they would really be worth but you don't have any debt and they bring you Joy so hell yeah girl keep them I would

[@goodgirlkitten]

The costume is cute. But I'm a huge Halloween person, and that just makes me heart happy.

[@goodgirlkitten]

But I like that you can be honest abo it buying things you don't need. We all do it, so it's nice to see it, and know I'm not alone when I sometimes make dumb purchases. 😂

[@Ine3220]

I woud keep them! Oh and congrats on being debt free :-) You are right we should continue congratulating and celebrating wins like that!

[@rinditrainer3947]

Keep the dishes because you love them! We paid off the IRS and my car in December! :-)

[@saraholguin9751]

We had our first debt free Christmas by using a sinking fund! Also successfully used a sinking fund to pay for my hubby's insurance (it comes out twice a year)!

[@sarahcb5452]

If something really brings you joy then no money earned is worth it I'd think. Well... I guess everything has a "I'd sell it for yadda yadda amount". But really- the plates are meant to be used and you love them. Thats much better than being pretty and decorative on a shelf to someone else because they are 'collectable'.

[@jeniray-cozzens128]

Hahaha. Floss weekly. I'm totally with you on that.

[@sheshickey]

Jacket patch looks totally like a design element.

[@betts258]

just found ur channel : nice that u tell it all : the fails as well ! thanks! dishes : keep : you love them! costume : yard sale recuperate some of ur loss! LOL

[@anabanana5009]

Can you do a "What I got for Christmas". I like how you and your family budget for Christmas and shop.

[@hyggegirlstefx988]

Seeing how much sweet Rory likes costumes...maybe you could turn the pirate costume or parts of it into something for her...?

[@behniwal08]

When it comes to vintage plates and such I find a lot of people just collect that to put them on display and never actually use them. So I would most definitely keep them and actually use them. Yeah they can be passed down and all but who's to say the future owners will actually want them? Someone might as well get use out of them! As for flossing, get those Reach (or I think the name may have been changed to just plain Listerine) floss sticks or handles or whatever they're called! I just keep it with my toothbrush and its soo easy to just grab it with my toothbrush and make it a daily habit. Plus they have replaceable heads with the floss so you dont have to deal with ripping off floss and throwing it out every time.

[@aznamethyst]

Omg @ 2:43... "wet water" I didn't know water was wet. 🤣😂🤣

[@lightsarefading]

I paid off my student loans from undergrad!!! Just two cars and grad school to go!

[@deedeesmith3073]

Keep the plates they bring you joy and your debt free besides

[@kleptolad]

16:06 YEAH I AM! I’m finishing off maxing my sinking funds then it’s Baby Step 6 all the way :)

[@BudgetGirl]

Sorry it took so long to give you your shout out!

[@jackievanwinkle]

The beautiful plates...... if I didn’t need the serving dish I would have sold it just for the fun of getting the set for free with a small profit :)

[@XtineJohnes]

Re: Costume - don't beat yourself up! I worked as a pro Event producer and DJ for a really long time and I stil do this work sometimes. Dressing Up in costume takes PRACTICE. You have to buy a few bad outfits before you learn what works for you. I still have boxes of outfits that didn't work out. IF you only lost $11, consider yourself Lucky LOL I have Boots that I spent $75 or more on that I just don't wear, crazy dresses that are only good for one holiday out of the year, Fairy head dresses and crowns that sit on my shelf most of the year, etc LOL Have fun, play a little bit - you're only going to be young once!

[@sandrafromscotland]

Hi Sarah. Good for you adding to your wealth building, so agree to keep your lifestyle at a minimum. I remember your moving videos like they were 2 months ago, not nearly 2 years 😂

[@KenzieLorenz]

I am debt free!! $41k gone in a little over 4yrs.

[@nancyosgood777]

If you do not have a sonic toothbrush, go get one now!! I have gone to the dentist every 6 months since I was 8 years old. My check ups have been so much better the last 5 or 6 years since I got my sonic. It's worth every penny!!!

[@mariayelruh]

I have that same pattern in pink!

[@lindaburnside3832]

I hate flossing too ... but flossing will help prevent that kind of cavity situation.

[@kirstenmanzi1820]

If those plates bring you joy, keep them!