How I’m able to save 50% of my income as a MINIMALIST

[@hippyhighlandliving]

The first 1,000 people to use the link will get a 1 month free trial of Skillshare: skl.sh/hippyhighlandliving05231

[@tuya1372]

Thank you!

[@JimSteve-qj7co]

Nice video ! I'm a father of two who bought a house last year. For me, it was a major turning point! In addition to feeling the effects of the economic downturn, I'm lucky enough to enjoy a respectable monthly income from wise investments that I've made. I have therefore meticulously prepared for my retirement following my children's graduation from college.

[@JanePalmer-bg8tb]

Wow, very intriguing! Currently, I am looking for investing ideas or recommendations. Earlier this year, I hesitated and did not take any action till now. However, I am motivated to try something new because I am quite open to other investing opportunities. I want to retire in my forties or fifties. I sincerely wish I could achieve what you've accomplished, and I believe it will happen.

[@JimSteve-qj7co]

It's essential to comprehend the complexities of investing. Having a trustworthy support system, such as a financial adviser, who can advise you is crucial, especially when choosing assets.

[@JanePalmer-bg8tb]

Thanks for the advice but it's hard to get a trustworthy financial professional around here. Seeing what you have accomplished I would like to know your specialist.

[@JimSteve-qj7co]

Generally, investing requires higher knowledge. For this reason, it's important to have a solid support structure to guide you through especially in asset picking. I operate with (Alex martin tarlor) an investment specialist who partners with a licensed wealth management firm. For the record, his experience has been the best for my finance

[@JimSteve-qj7co]

Alright you can easily find his information by doing a quick search 🔍 . Feel free to reach out to him directly with any question you may have

[@janinafisher101]

You mentioned a lot of my money-saving tips. One thing that is really useful to mention is something most people don't think of. If you ask most people what their biggest expense is, they usually say housing. But it actually probably is taxes! Most places now charge VAT or GST on goods and services, so every time you stop yourself from buying something new, you also save the extra cost of taxes. Where I live there is no tax charged on purchases from charity shops, and I often buy things from garage/boot/yard sales (whatever they call it where you live), and sometimes pick items up from the side of the road that have "FREE" signs on them. Some people I know pick these things up and resell them, or fix them up or rework them, and then sell them. The same for services. Since the lockdowns I now cut my own hair - so I don't pay for haircuts or the tax on that service. And I also cut a friend's hair until she figured out how to do it herself by watching a KZbin video. If you add up the tax you save by saying no to all those purchases, it can really add up! And you can organize clothing and "stuff" swaps, too, with friends. Some places now have "Reuse" centres at the local tip/dump where you can leave items you no longer need, and pick up anything you want for free. This is how I get most of my books, as a big reader. When I read them I return them, so I only need some temporary holding space for the ones I have picked up and haven't yet read. Thanks for sharing your tips!

[@iziyen4114]

I’ve started cutting my own hair too, and my little daughter’s hair since the lockdown😊

[@walkstheshire]

This video was far more helpful than I thought it would be! Your number one question "Is this purchase worth sacrificing my big goal?" is something I will implement from now on, thank you so much for that! And ooooh Bridgerton, I cried my eyes out after finishing "Queen Charlotte" 😭😭😭

[@nikkifangaiuiha6081]

Yes living frugally an saving money is important but with bills an kids is hard but we all do the best we can,thanks for this helpful vlog 😊❤❤❤❤❤

[@Alaskaventureswithbrodie]

These are sometimes hard videos to watch cause it makes you realize what you need to do but have a hard time doing it. Especially when you write Down your spending. Wow that is a reality check. Thank you

[@hippyhighlandliving]

I completely understand. I felt the same! I hope you find some of this information useful 💚

[@pandrew3146]

I agree Molly, i love being sensible and sustainable in my choices. Helps our world as well as ourselves. Blessings Philippa New Zealand

[@nomadicvibesofelle]

Love this! I am so close to being at 50%

[@hippyhighlandliving]

Amazing, well done!

[@keithbessant]

Lovely video. As I live in a town I've been able to manage without a car and make all my local journeys by bicycle. About four years ago I had solid tyres, made by Tannus, fitted to it. That has saved me a lot of money on new tyres, inner tubes and time lost and stress caused by punctures. The ride is just a bit slower and bumpier but the reliability makes up for it.

[@natashaelliot5930]

The library is my biggest money saving tip - not only borrowing physical books but utilising their ebooks and audiobooks through Libby. It’s saved me thousands!

[@kristencobb230]

Same! I love it! 💕

[@ruebennomura9143]

Wow you save 50 of your income that awesome I am proud of you

[@heidimeigs5192]

There are so many things that can be cut back on or not purchased at all. Everyone is not going to be able to do as you’ve done, but even simple changes can make a big difference. Eating out/fast food is a common expense that can be eliminated without much pain. If you’re not tracking your purchases you will be amazed at how much you’re spending. Cooking at home is always less expensive. Many people are clothing snobs. There are perfectly lovely clothes out there that are affordable. A cute outfit can be put together for under $100……you don’t have to spend that much on one item. Shopping at consignment shops or 2nd hand shops can yield great finds, depending on where you live. Children don’t have to have everything they want. I know that’s practically blasphemous to some parents 😆….but it’s true.

[@ianross04]

Wow...loved your tip about putting all your income into your savings account first!!! That's a very astute move Molly and love the psychology behind it as I suppose one is more rather reluctant to keep taking out of a Savings Account than a Current Account. 👍

[@TheEmpressgoth]

Thanks for sharing good suggestions for this day and age. I Look for discounts no matter where I shop

[@autobotdiva9268]

good info. i got my student loans forgiven and i put the payment amount now in my retirement account!

[@OrianaAnjou]

paying my car insurance yearly vs monthly is my biggest tip in money savings. the amount they charge when you pay monthly is nearly double. (at least here in California)

[@my2cents178]

Im in Australia my insurance company doesn't charge extra for monthly payments thankfully

[@taratarentino9628]

Im so glad i stumbled upon your page 🤗

[@marymartinez1672]

I ABSOLUTELY LOVE THE BEAUTIFUL PRECIOUS DOG !!!

[@kathrynb3718]

Brilliant and Beautiful vid as always 🐕 thank you. So helpful and yes please to a Minimalist Money planner 🌟

[@hattyflame3889]

Thank you for your wonderfully inspiring videos🙏💛🌻🌱💞

[@LuuGolinski]

I handle it the same way with netflix :) Regarding food I don't like to make compromises but sometimes I need to. So I choose which one is more acceptable for me personally. for example with potatoes and pasta cheaper quality is more okay for me than with nuts or tofu. And I also find waiting before purchases very helpful (if they're not urgent and necessary)

[@hippyhighlandliving]

Thank you for sharing!

[@RLiberty94]

This was great and super reassuring. 😊

[@jannybranciforte9295]

My husband I began a budget forty years ago when he was in school getting a second degree and I was working. It was amazing to see our itemized expenses monthly and that enabled us to have more as we continued, as the awareness of where each dollar was going was essential to not only our life at the time, but it provided a most practical and joyful way of living. The result of a strict budget all those years resulted in much joy along the way, and now in our retirement it has provided a sense of freedom financially and in our energy and joy currently. Budgeting does not mean drudgery or depriving oneself of the lifestyle one loves. . Budgeting means intelligently making choices, and creating a healthy balance in one’s mind and activities. It’s truly a freeing thing that brings a sense of abundance and healthy living. Thank you Molly for presenting your ideas so gently and with such mindful intention. 🙏🕊

[@hippyhighlandliving]

Thank you so much for sharing your experience. Such wonderful points! 😊

[@ednaevans2025]

​@@hippyhighlandlivingNew Subscriber........very Inpsiring Channel

[@01happykat]

Agreed! I'm in my mid 40s and often encourage my younger colleagues to learn to live with less, so they can save for retirement. Most refuse. I tell them they don't need anywhere near as much as they think they do in order to be happy. That concept is lost on the vast majority of them. Only one has taken my advice and applied it. She routinely thanks me for my wisdom and expresses her concerns about her peers. As I remind her, her actions now will pay off in spades in the future. She will not only sleep better at night, but she will have a healthier, happier marriage and retirement.

[@sharonlugone5955]

This is a truly wise post. I came to budgeting late in my life and wish I'd done it decades sooner. It is joyful to live without financial stress even though I have a low income. I have everything I need and count myself very fortunate.

[@greylilycalligraphy]

You can also buy sock that you can trade in if they have a lifetime warranty- you just take them back to the store you purchased at and they’ll trade them in for free!

[@tinalemna7998]

Well done on saving 50% of your income! I love watching you cook and take Sky on walks. I hope one day you write a recipe book. I’ll be first in line to buy it. ❤

[@hippyhighlandliving]

Aw thank you! I would love to so watch this space...😊

[@margaretpiddock455]

Nice video as usual….well done on the saving…..i know its difficult these days, but you have your head screwed on…trust me as you get older, you will need it 😃😃love your outlook Molly x

[@hippyhighlandliving]

Thank you! 💚

[@greenthrivers]

Thanks as usual for being so "normal" and make me feel less weird when I try to cut on futility and no sense expenses. We have a 3 years old girl and besides the obvious costs of education and health we are teaching her how to be conscious on what we consume, what we use and how we care for things and I can see it makes her look at life differently. Even when simply talking about toys. We do let her have what she asks for but we always discuss it first snd most of the time she's the one saying "I don't actually need it". I will never be strict on things she drsire, i want her to be happy but I'm grateful to see that the seeds we are planting are actually taking hold. It means there is hope for everyone. You are a shining light Molly, thanks for reminding us we are not alone in this endeavour for change ❤

[@hippyhighlandliving]

Oh this is wonderful to hear! Such wonderful parenting. Thanks so much for sharing :)

[@WanabeHippie]

Really interesting to listen to your views. I try to live minimally and avoid clutter. How do you feel about getting your clothing from charity shops?

[@hippyhighlandliving]

I've always loved charity shops! I still get things there when I see them, but overall prefer online (like Vinted) as I can specifically search what I'm after and often find higher quality peices 😊

[@clairelabriola]

This is inspiring me to be way more intentional with our grocery budget. We have one, but tend to not enforce it super well ❤

[@ednaevans2025]

Mee Too

[@daniBanderob]

Great video, thank you! I work at a library and save so much borrowing books (we also have free ebooks and eaudiobooks!). I’m trying to set up a seed library as well so our patrons can get free seeds for their gardens. Shopping on specific days here in the States helps with finding lots of discounted items and sales. I also paid off lots of debt with the help of the book “Get Money” by Kristin Wong. She makes it like a game, which would be great for young people.

[@hippyhighlandliving]

This all sounds wonderful!

[@puddingmoon]

A budget planner would be amazing. I am trying very hard to manage my finances better. But I haven’t been able to find a workable budget tool yet. Or at least one that works for me 😊

[@hippyhighlandliving]

Thank you for your feedback! :)

[@martaukaszewicz9080]

Living frugally and saving money is important for me. But when you have children, it often becomes very difficult, especially with the expenses for education and health. I mean, you can save on buying clothes second-hand and eating seasonally and locally, but then come the bills for doctors, the school, etc...

[@hippyhighlandliving]

Yes of course, some costs are completely necessary 💚

[@martaukaszewicz9080]

@@CS-xl9xv Of course it is :) Still, health expenses may be sometimes really huge even without children :(

[@Jellybellyirish]

​@@CS-xl9xv Nothings mandatory. Spurious, unhelpful comment to someone who clearly already has children.

[@filausopoako]

Great information. Watching from Australia 🇦🇺

[@Alibo400]

Great video Molly ❤

[@hippyhighlandliving]

Thank you :)

[@Flourish_today]

Me and my husband save my income and use his to pay all the bills. That is hoe we have been able to save. I am also not someone who needs much, as long as thr basic needs are met, we good.

[@cathylynnpietranton]

Thank you Molly for sharing. We automatically have money transferred from checking to savings when we get paid.👍❤

[@hippyhighlandliving]

Great idea! 😊

[@lenalootens5625]

Good video! We should all buy less for so many reasons... Greetings from Belgium 💝🐴🌹

[@hippyhighlandliving]

Thank you!

[@AliMarie]

Absolutely loved this video! Definitely inspired me to save more!

[@kariannecrysler640]

A suggestion: Look into how much you spend each year in service fees, especially for credit/debit. I cut an average of $300 in service fees switching to cash & checks only. I don’t use any credit anymore. I’m not as able, you have to save up for big ticket items, but you take better care with your property and are less frivolous with spending.✌️💗

[@KindredKaye]

Not sure where you live, but in Scotland, many things have moved to card only.

[@Frdunsing]

Thank you for sharing

[@sarahkennedy1481]

Do you have a TV? I truly admire you. I think living in the countryside there is not that pressure to buy x

[@raquelvilela9719]

Very helpful x

[@sarahkennedy1481]

Amazing! You must earn lots to work pt and save. Good for you x

[@bettymaugeri7316]

I love browsing which does

[@lindawhite8258]

Thanks for this video, Molly. I needed to redo my budget and your video prompted me to go and do it. I tend to work on a 50/30/20 plan which is 50% on needs (essential spending) 30% wants (clothes, fun stuff) and 20% savings (for holidays, gifts, big items etc). Also, to set individual limits on food, clothes, meals out, also Christmas spending as that could go wild otherwise 🤣 We found it very hard to save when the kids were young. There was always more money than month, and spending on food, clothes, holidays, not to mention mortgage, was much higher. So it’s not always possible to save. Sometimes just getting to the end of the month without going overdrawn is an achievement. And beware of credit cards!

[@catherinerosner970]

Make sure you budget some 'blow' money. Just a bit that you won't feel guilty about. I have found, just like food, if you are way too restrictive then you will lose the joy of living everyday life.

[@hippyhighlandliving]

Its a good point :)

[@davidthescottishvegan]

Thanks for this inspirational video Molly. Beautiful🚶‍♀️ with your 🐕. I try and save every month. Love 🥰 the video and love 💕Molly.

[@hippyhighlandliving]

Thank you!

[@adamlogan7340]

Hi Molly, Loved you're perspective on income expenditure. Made a lot of sense & saved money. Hope you can make allowances for a treat now & then, take care, best wishes. 😊

[@aliciamarielavoie]

Thank you so much for this video. I am single and in the process of cutting some expenses. But I am getting there. I am also looking at how to monetize skills, such as photography, writing, and filmmaking.

[@hippyhighlandliving]

This sounds great! I wish you the best of luck 😊💚

[@AMiah-jz8uu]

Yes please make money managment minalist material most obliged

[@marymcandrew7667]

A lot of sensable tips! If I want to start selling some of my stuff online, to declutter and make some money, what would you recommend? Is Ebay good? Etsy? I would start with clothing mostly, maybe some household things.

[@SurfergirlKH]

I believe that depends on where you live... I sell clothes on vinted and Kleinanzeigen which is a local add formerly known as ebay Kleinanzeigen. I also attend clothes swaps regularly

[@1verysteveperry]

Hi, can I ask a question? With regard to your tiny home, do you need planning permission to site your home? Is the land yours or rented? Sorry to be nosy, I'm in Scotland and looking for affordable options for my son. As you will be aware, property prices are out of reach of younger folks here in Scotland. Many thanks.

[@Daytona2]

Wondering whether there there still worthwhile savings switching vehicle & home insurance after the FCA banned discrimination between new and existing customers ? Having routinely switched and been on good, and I guess, loss leading deal when the law changed, it hasn't been worth switching.

[@hippyhighlandliving]

Interesting point. I'll bear that in mind and thanks for sharing

[@Jwhitedesertflower]

Apologies in advance if I've missed this info in the comments thread but which Notion app are you using? I'm in Aust & my Apple app store shows 3 different options, all starting with Notion ... Besides that, I'm new to your KZbin channel & Substack. So glad you introduced me to Substack, I might be another convert who ditches Insta! 👍

[@Jwhitedesertflower]

haha, I worked it out! I just saw your other KZbin about your Notion plan :)

[@d.d.mac.3773]

I'm new so apologies if you've covered this. Do you live in someone's backyard? Do you have to budget for land taxes, utilities etc.? What would happen, if you are in someone's backyard, if they sold up and moved i.e. to an apartment or if they're older, to a retirement home, or back to their homeland if they're immigrants etc.?

[@SurfergirlKH]

She lives in her boyfriends mothers backyard…

[@d.d.mac.3773]

@@SurfergirlKH Thank you. Well that explains how she can save i.e. rent, taxes, utilities etc. However, there are definitely risks involved in putting yourself at the whim of others i.e. what happens if boyfriend breaks up with her or his mother decides to move etc. I think I prefer a more stable form of independence.

[@SurfergirlKH]

@@d.d.mac.3773 agreed

[@ednaevans2025]

New Subscriber......Thank you

[@hippyhighlandliving]

Aw welcome!

[@efortunywhitton]

Bridgertons!!! 👍😆

[@hippyhighlandliving]

😆😆

[@efortunywhitton]

@@hippyhighlandliving We finished watching the newest one about Queen Charlotte... was sooo good!! Probably in my favorites for this series!!! Hugs! x

[@ginnymiller5894]

Beautiful dog,😂

[@emilyrugman8457]

I've been watching you for a little while now and I was wondering where you are originally from. Your accent sounds a bit west country ❤

[@hippyhighlandliving]

I've actually lived all over the UK. I think its the result of South England with a bit of Scots!

[@sarahgriffin2420]

I thought you had a Midlands twang at first but obviously I was wrong 😏

[@LaFarmhouse]

love☕️🪴🩶

[@colorsofavon934]

🧡

[@sarahkennedy1481]

Do you pay in a pension?

[@hippyhighlandliving]

Yes, I've signed up with a scheme through work so it gets taken automatically 😊

[@clemsonteach80]

I noticed today (and probably also in previous videos) a lot of 'I' comments. I am pretty sure in a previous video you mentioned a partner? Do they share same thoughts as you on veganism, slow living, minimilism, etc? Just wondering about that aspect of your/yalls life. Thanks, great video as always.

[@hippyhighlandliving]

Ah yes I do have a partner. He shares some of these values, but he's not keen on being shown in my videos which I respect! We also keep most of our money separate as this works better for us 😊

[@asmaafaouzi7526]

❤❤❤❤❤❤❤❤❤❤

[@sarahkennedy1481]

It must be easier for you as you have a joint income?

[@mtnshelby7059]

I would love to hear about people who do it alone without a partner or family support. That's not easy.

[@hippyhighlandliving]

Me and my partner actually keep our money seperate, so I'm only referring to my income, which I can save 50% of. Apologies if that wasn't clear

[@sarahkennedy1481]

@@mtnshelby7059 have just given up my job in NHS. Awlful nasty environment so now no money coming in at all. No mortgage. Will just love very basic with cat until I hopefully find other work. X

[@okieranchwife]

Ok. I unsubscribed. What i see on this channel is naive. God bless you.

[@amandasantos7796]

Great tips! Thanks so much for sharing🫶🏽

[@Sassygrannyvlogs]

🤎