135 Great Money-Saving Tips | This will help you SAVE thousands

[@princessdumbarton9877]

Get your holiday decorations at thrift stores and then donate them back when you're done. Get new ones at thrift stores the following year. If people would stop buying all this cheap junk, they would stop producing so much of it. No one needs another sign from Target that says "Gather" or "It's Fall, Y'all." You can get high quality vintage decorations at thrift stores for next to nothing. They might actually have some value, unlike the cheap mass-produced garbage. You can also find brand-new or barely used things for pennies.

[@TheRealShadowPvP]

You’d honestly save money just not buying holiday decorations lol

[@princessdumbarton9877]

@@TheRealShadowPvP That's true.

[@ardishafdahl8296]

Ted Lasso & Rebecca!!

[@glendaschilder3048]

Dollar tree is good too,for going cheap

[@MsWhitneyS2]

I learned to make my own wreaths so I quit buying wreaths for different seasons.

[@NewCreation6123]

I buy my monthly planners and calendars from the Dollar Tree every year.

[@CMendy28]

I've been finding that decluttering (I call it purging) has made me naturally want to spend less. Physically seeing all the stuff I bought but don't need or want brings about physical reaction that makes me not want to bring more stuff in just to get it out later.

[@planetwalker798]

Agree!! Going thru that process makes you realize if companies STOPED making S and we just bartered, shared or thrifted, we'd probably do just fine with what is already out there!

[@TheBestSelfGuide6-StepSy-xo6vh]

This is so true! Purging is liberating and builds long-lasting immunity to spending. Same as tracking weekly expenses. After accounting every expense I naturally want to spend less.

[@ameliaalysse]

I never comment but I have been watching you since about 2020. My grandmothers have both passed and my mother is not good with money or cooking. You taught me SO much and I want to thank you. I come here and find your videos in spare time or while I’m cooking for my family and it makes me feel like someone mentored me. And trust me, you changed my budgeting at the grocery store. Before you I couldn’t cook an egg! So thank you ❤😊

[@michellewhitenunez3193]

You seem like such an amazing person.

[@marroosh]

Don’t go grocery shopping on an empty stomach!

[@laminage]

Amen! 😊 So many things that I would buy with my Mother we can't. I also do a no Spending Week. I have $5.00 in my purse and I use it when I buy something in The Canteen. I've gone for months without buying from Amazon but my biggest weakness is Dollartype Stores and Five Below.

[@Al-rn5qy]

💯Truth! Never underestimate how much you will spend at the supermarket when you're hungry. There's a reason the hot, prepared foods (i.e. precooked rotisserie chicken, food buffet, etc) are always near the entrance of the market!

[@amandak7334]

Love that you talk about saving money and then you sell tickets! Oh the irony.

[@lilianasaba9846]

​@@Al-rn5qy these stores understand human behaviour very well.

[@Lala-gb9fg]

Amem! 💸💃🎶

[@TheBestSelfGuide6-StepSy-xo6vh]

I love how you phrased it: "Shop the perimeter of the store". Now, at age 50, this is exactly what I do, but it took years to figure this out. Great advice! It saves time, energy, focus and money.

[@greatlakescanary3237]

I am trying for a no spend hour.

[@kristineroehl]

😂

[@FrugalFitMom]

LOL!

[@AWordofHope]

😂 same here

[@RedsRtrouble]

😂 same! I’m 5 minutes into and it’s going well so far lol 😂

[@jenachopson]

😂😂😂😂

[@shineonathomewithcindy9018]

I downsized from my huge house - first time I’ve ever totally owned my own home with no mortgage. The freedom it brings is priceless let me tell ya!

[@leannejayne3545]

We’re doing the same! X

[@Jet-h7q]

I did the same and I love how much easier it is to clean and keep tidy!

[@planetwalker798]

Unfortunately not really- property tax and home insurance pretty much tanks that one.

[@kimford-cc1tk]

I am working on paying my mortgage off😅

[@KHX274]

Congratulations!!

[@karmagirl314]

I did community college for my first two years of college and then transferred and saved $60,000, not including the money I saved by living at home those two years. My degree is from a respectable 4-year school the same as everyone who went there all four years. Just make sure you link up with both schools when planning your classes to make sure everything you take will transfer and apply to the 4-year program.

[@meadowmaiden4621]

another option to save cash, have a clothes swap party. Invite some friends over and they each bring a bag of clothes they were going to donate and you all go through it. These are so fun. I have also done one with makeup and hair care, it was a hit!

[@BonnieKennedy-pj7tn]

I didnt have technology with wise people like you, but i reached retirement, house paid for, car paid for. Garden, canned,diy anything and everything. I OWN MY LIFE NOW. Incredible feeling

[@daniellelamont7961]

I went on a working-vacation last year and this year with the same group. Last year, we had a hotel room, no kitchen, and way overspent on food. This year, I convinced the organizer to get an AirBNB apartment with a full kitchen, brought my bread machine, made a meal plan, brought a lot of my ingredients (we traveled to a more expensive area), still was able to get my preferred quality of ingredients, and spent maybe a third of what we did last year. Huge win, and the organizer (and payer) was thrilled.

[@brittanyk3241]

I opened a separate bank account just for Christmas and gift funds a couple years ago and set aside $50/mo Jan-Aug & $100/mo Sept - Dec. It adds up to about $800/year. Let me tell you, this has taken some HUGE stress off around Christmas - no credit card usage, no worrying about digging into savings. Just using what’s in the “Christmas /gift fund” and when its gone, it’s. Last year I had about $150 left that has rolled into this years funds.

[@pamsmith1665]

Xmas clubs have been offered by banks and credit unions for years. Nothing new here.

[@AngelaMastrodonato]

$800 for Christmas isn’t too bad. Sometimes I feel guilty about appearing “cheap” at Christmas while feeling like I over spent at the same time. Between kids, parents, a small gift for siblings and my 1 surviving grandparent, and 5 nieces and a nephew, we spend between $1500-2000. The bulk of it goes to our kids. My husband and I don’t usually buy for each other unless one of us gets a good idea. We prefer to take ourselves out to dinner or activities over buying each other things. Despite all of this Christmas is loaded with obligation for me and it’s not my favorite holiday for that reason

[@jeanmuehlfelt7942]

I volunteer at a food pantry that distributes once per week. We had 700 patrons today, during the 3-hour period. Whatever is left, near the 'use by' date is distributed to the volunteers. I seldom go to the grocery store anymore. 😊

[@Savannah-ed4rv]

Wow. Nice perk!

[@planetwalker798]

I hate to say but I suspect most of it is "garbage/ package" and not even "food". Chemicals, sugar, etc by agri biz. That's what needs to change!!

[@pamsmith1665]

That food isn't meant for you

[@jeanmuehlfelt7942]

@@pamsmith1665 excuse me?

[@pamsmith6890]

@@jeanmuehlfelt7942 exactly what I said. Any food left over should be taken to another shelter or soup kitchen. It wasn't donated to be given to volunteers

[@ToniKnorr-rh4mz]

Agree about pets. Have always had them - poodles, a Yorkie, but for sure they’re not cheap and they are NOT disposable! If you’re not absolutely willing to make a lifetime commitment to them, do NOT get one PLEASE!

[@dianasimplifies]

Agree please don't throw away your pets. If you can't afford high vet bills please do not get one. My dog just had a $2000 cancer surgery. It was successful and he is worth it.

[@lorelei9393]

Pets are not children but they ARE a lifetime commitment

[@cindyfeld2151]

I follow the Dave Ramsey envelope system and keep two envelopes for pets - food and needs (vets, collars, leashes, toys, boarding, etc ) of I didn't budget for them, I couldn't have them. This works!

[@bluedragon1979]

A good healthy rabbit is an affordable pet option. Average lifespan is about 12 years. They don't need rabies shots nor getting spayed/neutered. Vet visits are very minimal or pretty much not needed. Grooming needs are about the same as a cat. They can be litter trained like a cat and behave very much like cats. They are very social like dogs. They're also quiet. Food and litter are fairly cheap at a farmer's supply store. Treats can be bought along with your regular fresh produce. They LOVE bananas. Just make sure to pet proof your house since they have a tendency to chew "spicy vines" (electrical cords). Mine ruined a few charger chords and my vacuume cleaner cord, and my window fan cord...

[@lulamamie8524]

@@lorelei9393 Pets ARE family!! Don’t get one if you are not willing to take care of them. And being a pet owner means you have to take care of them until the moment you might need to make that painful end of life decision. Pets ARE family and need to be treated as FAMILY.

[@BallroomJenni]

School counselor here: I highly recommend concurrent enrollment over AP classes! So often students do not pass the AP exam and then do not meet the requirements for college credits. Also, make sure the college classes you are taking will transfer over to the college you are interested in 😂

[@lillynevers7305]

I agree about the transfer credits. I was the first in our family to go to college and my mom paid $200 per AP class my senior year only to find they didn't transfer to my college. We were on food stamps so I know it was a huge sacrifice to pay for those and it was an emotional and financial hit.

[@melaniea8301]

Thank you for sharing. I’m trying to figure out things work here (went to high school/college in Canada) and there is so much to know, it’s a little overwhelming!

[@L2Living365]

My son did both and finished 150 hours in 4 years for his CPA exam. Double majored and minored. Saved me $15-20,000 for a whole year in college tuition and room & board.

[@wallashakalla]

Or go to a trade school, and pay off your loans within 10 years of graduation.

[@melaniea8301]

@@wallashakalla if you don’t mind me asking, how does a degree or training cost for the trades, compared to college?

[@VictoriaLepantoFatima]

Wear the same clothes more than once before calling it dirty. Hang it up and wear the same clothes again another day of the week. Less laundry means less money spent on a laundry load. I have one set of clothes to wear inside the house and another to go out.

[@NLY1WAY4U]

I so do the same. I call them everyday clothes , going out clothes, and church clothes. They do not cross over until the going out becomes everyday.

[@VictoriaLepantoFatima]

@NLY1WAY4U very smart. Yea, I keep them separate too and hang my clothes as soon as I get home and change.

[@Lisa-ik3wt]

Omg .. game changer!! What you say is So true,! The electric to run it also adds up. My neighbor told me her power bill was regularly over 400 dollars. I told her to weatherproof and do less laundry, if possible.

[@Lisa-ik3wt]

I also used to dry clothes on the line outside to save the electric bill.

[@planetwalker798]

Yeah and just less clothes period. I don't feel compelled at all to wear different outfits! I always line dry. Wash clothes when the weather is warmer and non issue.

[@susanmolnar9606]

The way I see this video as just going back to the basics of life. I was raised in the 60’s-70’s from parents who left parts of Europe before the war. We had money but that didn’t influence the way we lived. Homemade everything from food to fixing broken items and DYI. life isn’t complicated! ❣️

[@Borderlinegoldenretriever]

Oh yes it is if you are a single mom and live in insanely expensive Canada 🇨🇦

[@susanmolnar9606]

@@Borderlinegoldenretriever I was a single woman and have always lived this way. It’s a matter of looking at food differently. I’m sorry I don’t know what the situation is in Canada. But good luck. Especially with the dog that I assume that’s in your name. ❣️

[@pamsmith1665]

​@@Borderlinegoldenretrieveryou didn't get to be a mom single handedly.

[@Notable2Nikki]

Good luck to those out there buying houses right now! Seeing current sale prices in my neighborhood blows my mind compared to when I bought my house.

[@hihi-nv4kf]

Totally agree my neighbors house is now for sale,two hundred thousand more than it's worth it,Crazi

[@PenB-r6l]

@@hihi-nv4kf we live in an older neighborhood, smaller homes, larger lots. Homes probably cost 100K when the subdivision was built in the 80's. They are selling 200-300K now! Trust me, it's not because the home value went up, lol. It's supply and demand!

[@sambito702]

Yup! We just bought a house for 460k. My neighbors bought their homes 10 years ago for about 300k and their mortgage is about half of ours.

[@planetwalker798]

Yep-what is really eye opening is listing price of mobile homes! For so long high was maybe $200k (depending on state I'm sure). Big ugh.

[@SheerBibliophile]

Anyone else experience this? Number 115... I brought cash, there was change left, and the girl at the drive through window threw it in the tips cup. I asked for my receipt and change and she looked at me like I was being petty and said, "Oh, I didn't know you wanted it" she slowly reached into the cup and handed me my change. After that experience...card only or exact change. You don't get to decide for me. I will blatantly be the bad guy.

[@NyssaOwens]

Uh, no. That's illegal actually and considered theft. If they do not hand your change back to you or at least ask, they can be held liable for theft.

[@planetwalker798]

I have not had that happen and pay attention to what is being rung up and change due. Cash for me

[@JsEJay23]

I have not had that happen but can see they expect it. I still like cash myself

[@juanitaglenn9042]

A certain gas station in our area....

[@mari_3kyu]

As someone who really loves tips, this is a not a bad thing at all. She shouldn't have done that? I would never dare and i actually work on people directly, not work a drive thru window 😭

[@joanneslattery3077]

Frugal Fit Mom, I used to do my Christmas Shopping after Christmas for the next Year. What I am saying is at the end of January and February when items were 85 to 90 % off sales. Then I would go home and wrap the items. I saved Thousands, REALLY. I have never gone and had my Nails or toes done, I even cut my own hair in addition to my Son's and husband's and anyone else who wanted one. I could count every cent I had. I ABSOLUTELY LOVE watching your videos. PLEASE keep them coming. OH YES I ABSOLUTELY LOVE COFFEE BUT I ALWAYS MAKE IT AT HOME AND BRING IT WITH ME. I do need to get a Cell Phone because that is one thing I need. God Bless you and keep you safe and HEALTHY. Joanne

[@alisavanaken8171]

I buy my Christmas cards after the holidays they are like a fraction of the price! Yes I still send them with pictures!

[@serenitysmommy3810]

I do this for my kids it's harder when they get older though

[@joanneslattery3077]

@@serenitysmommy3810 I know now that mine are grown I have found that giving them money and just one small item it has worked out GREAT because who doesn't like GREEN. They can use it for what ever they need or want.

[@LaManteca76]

I bought rolls of wrapping paper after Christmas at Walmart last year for 9 cents each!

[@LynnSJ]

The single most thing that has saved us thousands is Utube! Learned and completed Changing car battery, replacing toilet handle, changing washer drain filter, replacing shower faucet stems and seats, changing our car engine and cabin filters, changing 3rd brake light/car door/interior bulbs, installing/setting up new washer dryer to avoid install costs by delivery drivers. and second is our home warranty! So many things have been fixed and replaced.. so worth having to save big bucks!

[@elizabethlangheim7214]

I learned how to change the flickering light in my refrigerator by watching KZbin. Saved over one hundred dollars by not having a repairman out. The part was $30.00. Have no idea how much that would have been up charged.

[@LynnSJ]

@@elizabethlangheim7214 so kewl!

[@LynnSJ]

@@elizabethlangheim7214 so kewl!

[@kimeverhart6253]

@@LynnSJ Google and KZbin have been “the best” about coming into the age of computers! This I know for sure!!

[@susanf4857]

Same here! We always look on YTube first before we call someone to fix something.

[@Anna-ll3yy]

I'm favoured, $27K every week! I can now give back to the locals in my community and also support God's work and the church. God bless America.

[@PeterFredrick-x5u]

As a beginner what do I need to do? How can I invest, on which platform? If you know any please share.

[@AysyDyus]

Yes! I'm celebrating £32K stock portfolio today... Started this journey with £3K.... I've invested no time and also with the right terms, now I have time for my family an…

[@SarahHHolland]

when someone is straight forward and good at what she does best. People will always speak for them. For me I can would say give Mrs Jenna Brooklyn of finance education a try and you be happy you did

[@Brannydavis]

Started with 5,000$ and Withdrew profits 89,000$

[@Jeffersonhadr]

I'm glad to write her tay I do hope she will help handle my paycheck properly☺️☺️☺️ Can I start with as low as $1,000?

[@ChrisBrown-xn8ir]

I cut up microfiber cloths and use those instead of paper towels... most of the time. We put a rubber type of basket under the kitchen sink to store them in. Just throw them in the wash, dry them and throw them in the basket. No folding. Works great for me.

[@karenoherron8863]

My husband can repair just about anything with a motor, because he was in the motor repair business for about 35 years. He is also an electrician and he is totally brilliant at fixing electrical items. My husband can also build wooden shelves and bookcases. Yes, I know I am seriously bragging on my husband. Our furnace is 30 years old, because he keeps it working. We mostly shop once a month because we live on social security. We keep money back for milk, vegetables, and other small items.

[@lisakallunki5042]

I would also suggest asking around if you are in the market to buy something. As an example, we were selling a king-size mattress and when I went to post it on Facebook, my son responded and said mom! We want a king size mattress! Can we have it? 😂 I had no idea …. Obviously we were happy to give it to him and his wife. They had been saving to buy one.

[@susanbodley8016]

Pass along sheets too...

[@torynchelle]

Someone else probably already said it, but blackout curtains can also help save heat in the winter.

[@FunUrth4All]

And helps reduce in summer.

[@Idkimblonde]

“Would you like to tip 20%?” “….For what!!!??” 😂😂

[@speedymeli1482]

Went to Costco yesterday with my shop card and apparently they changed (and/or now enforcing) the policy of needing an actual membership to even shop. I quote the manager “they were t even supposed to let you in with just a shop card” Trying to save yall the hassle!

[@juanitaglenn9042]

Yah its like that here too. You have to scan your card to get in for returns, shopping, food court. We aren't allowed non Costco credit cards here either. Membership dues went up. They've really tightened things up.

[@emma99801]

I hope that means inventory options will be a bit more on the availability side with all the new (and/or now enforced) rules with purchased membership

[@marilyns6043]

Love the ‘Don’t go to Target’ tip. So, get this - I have a Target Red Card but I don’t go to Target hardly at all. Every eight to ten months or so they’ll send me a letter asking if I’ve lost my card and need help replacing it. So, personal challenge if you have a Red Card. Hold out from going SO LONG that you get a letter from Target checking if everything is okay. It’s like they’re doing a wellness check and every time I get one it goes on my fridge like a badge of honor. 😂🎖️🏆

[@IAmKsKorner]

We LOVE family movie nights in this house. My kids have only been to movie theater once and a drive in once. We are always doing it at home. We get in our pjs with snacks and dinner and we hang out and watch the movie of choice. I personally prefer this way for MANY reasons.

[@LaManteca76]

I stopped going to the movies. It's too expensive & when I watch at home, I can eat what I want & pause the movie for bathroom breaks. Plus I don't have to worry about loud annoying people talking during the movie. 😄

[@IAmKsKorner]

@@LaManteca76 agreed. It's nice to have it at home for those reasons. Plus if my kids get bored (which has happened) they are at home and are able to do whatever it is they want to do.

[@julejustjule]

Black out curtains also help on cold winters nights.

[@Notable2Nikki]

You do need the Barkeeper's Friend though. That stuff is magic!

[@dianasimplifies]

Yes it is.. cleaning lady here! Great stuff!

[@TraceyBergum]

add dawn dish soap and rubbing alcohol too to the list

[@TraceyBergum]

@@dianasimplifies dawn dish soap and rubbing alcohol as well : )

[@EC-yd9yv]

​@@TraceyBergummixed!? thx🌸

[@girlonaswing9439]

Oh yes weve done a no spend month. Including food. It was awesome How God had people randomly asks us over for dinner, give us fresh strawberries, all kinds of blessings.❤

[@pamsmith1665]

God didn't do it. People think you can't afford food and feel sorry for you

[@girlonaswing9439]

@@pamsmith1665 I feel sorry for you. No one knew we were doing a no spend month. Please get right with Jesus he has so many blessings for you.

[@pamsmith6890]

@@girlonaswing9439 of course they did. I feel sorry for you believing in a fairy tale. Pinning your hopes on a place that does not exist.

[@girlonaswing9439]

@pamsmith6890 everyone talks to God whether you yell at him or pray your spirit knows he is real. I will pray for you, Pam. God loves you.

[@kaella463]

​@pamsmith1665 Let's please lift each other a little more. I've seen multiple negative comments from you, all in response to positive comments. Do better. Don't rain on other people's parades. If you're having a hard time yourself to be in such a terrible mood, try uplifting and serving someone else--I promise it'll help you feel better. Life is hard enough without people tearing others down.

[@LisaRaePageRosenberg]

My husband and I were Sonny and Cher one year. He's much taller than I am so he was Cher. xo

[@cathys7087]

LOL!

[@yvonnepalmquist8676]

Giving Dorothy and Sophia vibes from Golden Girls.

[@kellykersten8828]

That's awesome

[@tressalewis7004]

I would like to add number 136… Switch to a bank that does not charge you every little thing. We have been dealing with the bank here in Canada for the last 20 years and they are very little fees. We get free checks we get free use of the debit card… It is great.❤

[@dianasimplifies]

I'm 55 and I've never paid a bank any fees.

[@Crackrzz]

Simplii? Been with them since 2005 when they were the OG PC Financial!

[@TerriClegg-d3f]

Would love to know which bank you use! 🇨🇦😊

[@tressalewis7004]

@@TerriClegg-d3f we use simply financial

[@CherryLaneScrapbook]

TD charges us $16 every month & then gives it right back. Unlimited transactions if you maintain the minimum balance. That minimum balance forms part of our emergency fund so we don't touch it, and voila, free banking 😊

[@kimeverhart6253]

This is a great video! I do many of these things already…because I raised 4 children on practically no money and in that time, I lived by “The Tightwad Gazette” by Amy Dacyzyn….she was my saving grace during really hard times. I still recommend her books to anyone and everyone because we all need to be more cognizant of the way we use all of our resources! Thank you so much Christine, for your inspiring words!! 🥰👏🏼👏🏼👏🏼✨

[@Judith-b3t]

I agree about The Tightwad Gazette. I still look things up occasionally and still recommend it. It's a classic.

[@kimeverhart6253]

@@Judith-b3t yes! So good to know someone already knows about these incredible publications AND agrees with me! 🥰🙌🏼

[@kendradamm1428]

Breakfast muffins basic method from this book!! Great way to use up leftovers and so quick and cheap 😊

[@app103]

I recommend buying a USED copy, so you pay less for it. But even at full price, that book will save you a TON.

[@kimeverhart6253]

@@app103, of course!! Thrift Books is my go to for most of the books I want! Try there! 🥰

[@pennywarren2357]

The "add to cart" button is fun, but you're absolutely correct about leaving it in your cart for a while. That impulse spending just goes away!

[@cynderella7]

yes ! I can be impulsive and find this helpful

[@CMendy28]

I've also been forcing myself to work through my pantry of foods. It's made me get more creative and it feels good to see the shelves get lighter. Same with beauty products or whatever else. And finding my favorites and just sticking with them and not trying new stuff.

[@jenachopson]

Walmart actually has cheaper cards and bags than dollar tree now. They have a lot for 0.98 which is cheaper than the $1.25 at DT!

[@lindabader-acosta7808]

There’s some cards that are 50 cents now too.

[@sheramelton3583]

Dollar tree has a lot of cards that are $50 or 2 for 1.00

[@dianasimplifies]

​@@sheramelton3583yep I still prefer DT cards

[@hollypepen4012]

Ollie’s has cards for 99 cents, some with fancy elements too

[@chloeaviva]

Trader Joe’s has adorable cards for $0.99!

[@beckyjohnsen3128]

We homeschool, so CLEP is awesome (credits before college) AND they have jobs and a savings account where they will be paying for their own college. Room/board free if they stay at home and go to college. I have 4 kids graduated, two have put themselves through school. No debt. It's important to teach them early how to save/spend. Your channel is AWESOME!!!

[@clareu9539]

I just wanted to thank you for mentioning that prepared foods are a lifesaver for disabled folks. No one really mentions this.

[@nickiclarke4304]

Yes, including chopped fresh fruit and vegetables, or pouches of cooked rice. Means that days when pain or disability are major, nutrition doesn’t have to be compromised

[@TheChelseaCate]

Coming from someone who worked in enrollment for a non-profit university: If your teen chooses to do AP courses, please, please, please look into the colleges/universities that they want to attend to ensure the AP course will be accepted. Some schools will not accept/ allow AP courses to transfer/ double dip into their program. It's easier if it is a general education course, but if it is a course like Anatomy or Music Theory, many schools will not accept the AP scores. The schools want their students to learn their pedagogy (method).

[@clittle1807]

Actively working to decrease my screen time. And use that time to do some DIY items on my list.

[@gladyschandler6724]

Thank you, Christine, for all those tips

[@katriensterckx7839]

I have seen all of NCIS more then once. I will make time

[@donnabraud7945]

We love cold coffee, so we brew coffee and store in mason jars in the fridge. Also, just did a freezer inventory. OMG! A full notebook page of just meat. Love your videos and your energy Christine! BTW, we are debt free!

[@am63607]

I don’t understand how tipping in America got so out of control 😱

[@planetwalker798]

What does that mean? You still get to choose- if and what. I tip according to service given. Same as always. I also choose to go out less.

[@am63607]

When I travel to America and go out to eat, they automatically put 20% tip on the bill. When queried they say that they always do that. I always tip but don’t like being told what to tip.

[@NotSoBasicBitches]

I only tip when I am at a sit-down meal or if I am out having drinks. These employees make a typical base salary of $2.13/hr, they work for tips...but poor service does not get rewarded. I am annoyed with cashiers wanting tips. Get rid of the tip jars unless your at a drinking establishment. Fast food, even small shops are getting at least minimum wage for that state.

[@kellykersten8828]

​It's not in our control if they ask for tips before we even taste or see the food, before they bring it to us, when you order it. If you don't tip them they'll spit in it.

[@sashikosavage]

It’s a loophole for employers to pay their employees less.

[@amykell5687]

Love your tips. I was born August 1970. Most of these I have lived all of my life. My paternal grandparents provided most of our produce. My dad would hunt or fish for our meat, sometimes illegally. My husband and I married as teenagers and struggled on a tight budget. About 2007, we began to raise our own beef and got our first set of laying hens. Sadly, we no longer raise beef for a few reasons, but we have chickens, ducks, and goats. 😊

[@virginialangford6257]

Do not brag about breaking the law…it’s not cute

[@krisherdown]

In the Northeast and much of Canada, Flashfood is available in supermarkets, which allows you to reserve items that is either overstock or slightly damaged packaging for half price, The tip I use is leaving stuff in the online cart - and I'm not talking about the late-night impulse buy. This is about items that I'll wait until there's a large enough order to get free shipping or waiting until an item goes on sale.

[@TMCEH]

I love the Fred & Wilma Flinstone costumes!

[@theraayato5346]

For cleaning in my house we use, vinegar, alcohol, dish soap, disinfecting spray. That's it that's all we use for cleaning

[@sleeplessinchicago9082]

I use Borax for many cleaning tasks.

[@dianasimplifies]

I'm a cleaning lady and you can use dish soap and a magic eraser (generic is fine) to clean anything. You don't have to actually disinfect surfaces. It takes longer than you think for disinfecting cleaners to work and it's actually not that safe to kill off all the germs. ❤

[@NLY1WAY4U]

I use comet, vinegar, magic erasers, dawn and Murphy oil soap for wood. Currently using up rest of simple green and tub spray cleaners.

[@NLY1WAY4U]

​@@dianasimplifieswhat do you use for stainless steel?

[@dianasimplifies]

@@NLY1WAY4U I have a stainless steel sink and it doesn't get that dirty so Dawn and magic sponge or just a cloth works for me. I use it at my clients as well.

[@albionswede]

Costco is no longer letting people without a membership use the Costco cash cards. You will need to either have your friend buy the things you want for you, and pay them back, or go in with them and hope the cashier lets them do two transactions (some warehouses are SUPER strict on this if the person isn't an Executive or Business member (who will always be allowed 2 transactions).

[@LynsAlteredArts]

Oh no, I hope that’s not true at my Costco. I just used a Costco cash card for gas and it never asked me for a membership card.

[@albionswede]

@@LynsAlteredArts It's not at all stores yet, but I would prepare for it to come soon. I used to have my mom get me cash cards since her former-employee membership only gave her 2 cards to use for family, and her sister is disabled and can't go shopping often so my mom gave her the 2nd card. I'm in New England and they stopped accepting cash cards without a membership about 6 months ago. I've also heard some warehouses don't allow food court purchases without a membership anymore. I can't really blame them, people have been sharing memberships more and more. If you rely on cash cards, just make sure they will still accept them without membership if you are making a trip out to Costco.

[@NLY1WAY4U]

Yes, asking for ID on the costco card before entry to store.

[@kellykersten8828]

It's harder to get into Costco than it is to vote.

[@chrisl418]

This gave me hope!!! Thank you Christine! Below the Median has a great lentil burger recipe. I make 18 at a time. Add fresh avocado, lettuce, tomato.

[@heatheramador4607]

I know everything youve suggested over the years and its helped my husband and me so much with being a young family. I got say I love that you keep preaching same things because I still need kick in butt an good old reminder. When we get confortable I stop being so critical with my choices and it messes us up pantry wise or financially for next month and we play catchup.

[@BrandiHudman]

Best example of useful video mixed with all of your sponsors. I applaud your awesome mixing ability!

[@corrinnacorrinna5572]

Make your own wet dog food. I can mine. I buy cheap chicken legs, lentils, a few sweet potatoes, green beans, bueberries, parsley, water. I cook it in a crockpot until the chicken falls off the bone and can for 90 min. It is cheap & I know what's in it. The dogs love it!!

[@alexsahernandez16]

The coffee tip is great. Homemade coffee is the best.

[@juliasilvrants9556]

I did a no spend week for 2 weeks,except for necessities, no wants, and saved $500. It was hard but the reward was worth it. We groom our own dogs especially since we were told by PetSmart not to bring one of our Yorkies back as he fought them and they couldn’t finish him. Sorry but my pets are my lifesavers and I will never be without them

[@johngould3669]

Jim and Pam from The Office. Dave and Rachel Ramsey. LOL

[@lisam5744]

I've lived frugally for decades now and I still love watching these videos for tips. We recently redid the windows in the living room with blackout curtains (that don't look like them or have the weight they used to) and when that late afternoon sun comes in, I close them and it cools the room so fast. Two things to add: you can get inexpensive term life insurance if you are a member of a credit union and contact your electric company and see if they have budget/levelized billing where your electric bill is the same amount every month.

[@sustainably_styled_squad4989]

I LOVE your content! As a mom of 3 TRYING to be smarter with money, I love when you upload. My daughter is doing her second year of college at our community college. She really wanted to come home after Freshman year AND our community college is FREE! Yes FREE to anyone who doesnt already have a degree🙌🏼 They also give you a stipend for books❤

[@Leslie-wb8cb]

Your hair looks fantastic in this video! Love the color!

[@sleeplessinchicago9082]

It helps to color your own hair instead of doing it in a salon,

[@FunUrth4All]

Super life changing thank you❤

[@98colter]

Great tips. I do a lot of this stuff already. Chick-fil-a gives you something for your birthday as well. They currently have a game on their app where you can get free food, too. As far as the Halloween costume, don’t celebrate it, like me, and you can save money. 😊

[@Psalm.146]

My favorite tip was definitely to grow your own vegetables! 🌿 😁

[@shariceguerry5344]

School: I got a story. So i used fasfa to pay for 3 associates in a junior college. After I enlisted, now I have the gi bill. I currently work at starbucks. They are paying for my undergraduate degree and I plan on using the gi bill for my uppergrad. I feel lucky to have opportunity to me. But there are ways to get scholarships and all that jazz to help.

[@samanthafreeman4315]

Brilliant. I used gi bill for under grad. Still worth it

[@crazydutchy4243]

replace all (or as much as possible) one-use items with reusable items, I was -floored- at how much money this saved us in the first year alone! Thousands! and every year we save more. You don't have to do it all at once, you can replace items here and there when you have the money saved up for them, or a few at a time, but my goodness the savings sure do add up!

[@Mrsmadison45]

Yes absolutely ❤ always no spend months are September, October, November and December every single year ❤

[@lisaphares2286]

I do a lot of these and have since I was in my 20’s. We do the credit card cashback and bought a snowblower (self propelled, heated handles) one year. It was free. We cashed in over $1,000 this past January. We buy everything we can with 1 card and pay it off every month. We fly one airline and joined their perks to get free tickets or upgrades (premium economy for extra leg room, 5’8” f and 5’11”m) for transatlantic flights (he’s from the UK). And of course those airplane tickets are bought with that one card to get cash back. You would be surprised how much you can earn for gas and groceries that you would have spent money on anyway but now you get cash back. Just got $45 by saving aluminum drink cans and taking them to a scrap metal business on the way to ALDI to shop.

[@margotmartin-ck7qr]

Great ideas, I do most of these things. As for Amazon I usually take a screenshot of the item I’m thinking about buying, so when I look at the photo later I’ve usually decided I don’t need the item. And I also comparison shop online between Walmart and Amazon.

[@Al-rn5qy]

Coffee lover here and this video is so on point! Buy a home espresso machine (you can get a reasonable one for $150.00-$200 bucks) and learn to make lattes/ cappuccinos at home. It will taste better, be healthier, the machine will more than pay for itself after your first month with it, and you will still have more money in your pocket in the end. Here's some math: $6.50 Starbucks Venti Latte x 5 days per week=$32.50 per week= $130.00 per month. That said, I do understand the power of convenience, but this is where I learned I have to decide what's more important to me: convenience or more money in my pocket to gain financial freedom.😉

[@teresamelville]

My 14 yo is taking a math class at a local university paid for by my local school district. They will even pay for classes if he wants to take classes in the summer.

[@akneemoose3383]

I did the same and graduated with College and High School degree and half way to a Masters at 17. You can do it❤

[@jamierayburn69]

I understand the nerve pain, I have severe nerve pain in my left foot and leg because of back problems. Nothing has helped me so far and I have turned to a pain specialist who told me he might make it bearable but it is never going to go away completely . I have lost it. Hearing you recovered with physical therapy gives me a little hope. Thank you for sharing

[@annn8389]

sounds like you have sciatic nerve pain. Please avoid lifting or carrying heavy things

[@dianasimplifies]

Hubby has nerve pain in feet and his podiatrist has him on folic acid and R lipoic acid. Recently he's also given him some gabapentin but he says these supplements will kick in at some point. Apparently it can take months to work, also I would see a chiropractor about your back and hip pain, you would be surprised what they can fix.

[@janclimo2284]

No spend weekends & weeks are my go tos! 🎉 FYI my library gives members 6 free music downloads per week! 😮 YES ! Check your local library!! ❤ I also take the bus 2 days out of my work week 😍

[@AprilLee1996]

Started cutting hubby's hair last year when the guy we went to raised his prices. Best decision ever.

[@lisam5744]

I cut my husband's hair (not much left and he keeps it in a military cut) and it saves so much money.

[@Midwestmomvolunteer365]

I cut both of my son's hair, daughter learned how to cut her own, I haven't had a hair cut in two years, too cheap. LOL Husband still gets his cut at the shop but that is close to being done too.

[@easyfrenchdiet]

No spending day. This is my favorite because it's pretty easy when you're stuck in the office all day. And also cooking and having a shopping list for groceries. Thanks for sharing these tips.

[@virginiawares5884]

My husband and I have a reseliing business and when we get an order for out fine china, we use plastic bags from the grocery store to line the boxes when shipping and it has saved us so much money on packing material.

[@readyornot316]

So many great ideas here! I just found out this week that our electric company charges double for peak hours; for us this is 2 pm - 7 pm. Family in another state have off peak hours during this time and peak hours from 7 pm to midnight, so it’s not the same everywhere.

[@jbalconi9903]

It's 3-7 in Michigan. It's most expensive in summer; winter is a little more reasonable. Anyone who comes home at that time knows to use the solar-powered lights and the backup battery chargers.

[@annn8389]

It's 4 pm to 9 pm in California.

[@jasminewilliams2878]

You can also make yarn with your plastic grocery bags, called plarn, as a way to upcycle for all the crocheters out there.

[@dianetesta659]

Our daughter went to community College and then transferred to the university. She says she got a better education at the community College. Also, hubby has always taken his lunch. He still goes out to lunch with his friends, but he brings his lunch from home and eats with them.

[@lisam5744]

My daughter did that too and saved so much in tuition. And when I cook dinner it's always with extra for lunch the next day. Packed lunches save a lot of $$$.

[@wildshadowstar]

My garbage pick up is a flat rate that gets added to my water bill. Doesn’t matter if I take out every week or go the entire month without putting out a bag, still gets charged.

[@planetwalker798]

If you don't generate much trash (same here) ask a neighbor (next door ideally) to split the cost for the times you do need it.

[@wildshadowstar]

@@planetwalker798 I live in a highly rural area, so trash pick up is automatically added to my water bill, whether I have no trash, one bag, or a dozen bags. There’s no option to deduct from my bill for not having any trash to pick up or to share with my neighbor.

[@GillerHeston]

It's recommended to save at least 20% of your income in a 401k. You can use online calculators to estimate how much you should save based on your age and income. Saving at least 20% of your income in a 401(k) can help ensure that you have enough money to retire comfortably. By saving this much, you can take advantage of compound interest and potentially grow your retirement savings over time.

[@rogerwheelers4322]

Effective personal finance management is more important than the amount of money saved, regardless of whether income is earned through job or investment. Individuals can seek counsel from a certified financial advisor to optimize financial outcomes, who can provide specialized advice and methods to decrease expenses and maximize income.

[@joshbarney114]

I completely agree; I am in my mid 40s, approaching retirement, and have approximately over 2million dollars in external retirement funds. I am debt free and have very little money in retirement funds compared to the total value of my portfolio over the past three years. To be honest, the Fin-advisor can only be neglected, not rejected. Just do your due diligence to identify a fiduciary one.

[@FabioOdelega876]

This is exactly how i wish to get my finances coordinated ahead of retirement. Can you recommend the financial advisor you used to get ahead?

[@joshbarney114]

Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Marisa Michelle Litwinsky’’ for about three years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.

[@FabioOdelega876]

I appreciate this. After curiously searching her name online and reviewing her credentials, I'm quite impressed. I've contacted her as I could use all the help I can get. A call has been scheduled.

[@cindysams9832]

I mended 3 pieces of clothing this evening. Repaired holes in a tshirt and a blouse plus put a button back on a pair of pants. Easy and only took a half an hour!

[@lidijazivanovic2810]

We ditched all of our credit cards , and now we use only cash. That way, we control the amount of money we spend. First , pay your bills on time, second is food, and if there is a necessary medical treatment ( dentist), all the extra money is going to be set aside for a holiday. We love to travel 😊 And - NO, you really don't need new clothes every month!

[@wanchawancha5323]

Paying in cash is key!!!!

[@tmarinelic]

Kes je sloboda

[@wallashakalla]

Volunteers are definitely needed! I help with a local fundraiser and we can never find enough help. Check your local Lions club, women’s club, or local fundraisers to see if they need help. Those things don’t run themselves.

[@denisefleming3919]

Joker and Harley. Beetlejuice and the wife. Bonnie and Clyde. Great vid.rhnx!

[@nosnerd1967]

Happy to see you !!! U fell out of my rotation vids !

[@alenakozlova-awas42]

Love all your tips! The one that I need to utilize is "don't go to Target"😂 for some reason I'm always drawn to Hearth&hand section and end up buying a lot of unnecessary decor 😅

[@sleeplessinchicago9082]

I stopped going to the Target stores for at least a year now. Their website is so bad (slow with a horrible search engine) that stopping using it was a no brainer.

[@pamelastapleton2667]

Thanks for alllllll the information.

[@chelseafailla9887]

40 college credits?! Good for him!! I had 9 after taking 3 AP classes in high school and thought I was killing it 🤣. How did he do this?!

[@jhwilliams6550]

Some schools are now collegiate so the students will have an associate degree when they graduate. Some schools let students take two college classes a semester starting their junior year. Also, some universities give college credit for ACT scores.

[@yvonnepalmquist8676]

Always check with your school district for these options. Some states do a better job than others. Florida has great programs for HS kids to earn college credits.

[@yvonnepalmquist8676]

Modern States is an organization that offers online resource material for CLEP prep and free vouchers (up to 8) for the CLEP test. Only up-front cost is the testing center fees, but they'll reimburse those, as well.

[@aliciathomas6113]

Thank you for covering so much in so little time! It's my motivation for sure! 😊

[@sharonsomers5513]

Good advice. I have done some of these things. Thanks for sharing all these tips.

[@servantwarrior880]

Our five daughters will graduate our homeschool with a high school diploma and an associates degree at 17 years old.

[@VirginiaAlonso-dc8fz]

Please tell me how you do this! I want to do this too

[@AGarrett_]

I also want to know!!

[@staceypennington919]

We have a 1000 sq ft home. For the last 7 years all I have talked about is how I want to remodel but honestly...here in recent months I have been changing my mind and want to figure out ways to make what we have work.

[@Meep55412]

My sister and BIL do a lot of couples costumes. Last year was poop and a fly. Hand made of course. And coincidently I made a frog costume so we all matched.

[@stschubs]

We have an EV, we love it! We're out of town and commute, and we used all our gas savings to pay the car off so quick! Also as a CSA farmer, it made me SO happy to hear you had signed up for one!

[@AshleyNatalina]

Princess Buttercup and Dread Pirate Roberts from Princess Bride! Love your videos.

[@TheSwimmom1]

We bought a plug in hybrid suv ( Mitsubishi Higlander) and absolutely love it. We have gone 4 thousand Km on a tank of gas because most of our trips are under 60 Km which is the distance our battery charge lasts. Our electricity bill has only gone up around 20%.

[@lexirowe3151]

I’m on number 85ish so I’m not sure if this coming up be declutter and sell all the crap you bought that you don’t use on EBay. I’ve been slowing selling off my Hallmark collection and it feels amazing to have that cash to pay bills instead of 9 tubs of ornaments I don’t use