How to Avoid the 10 Costliest Budgeting Mistakes

[@Sailingmomma]

I implemented a lot of the utility saving suggestions you gave and I lowered my bill by $54 this past month!

[@vale_rawrrrx3593]

Congratulations!!!

[@PenniestoDollars]

Great job!

[@KC-dr3cg]

Thankfully I followed your electric saving ideas. My bill is not lower because the rates have doubled since April. Xcel is raising the rates 3-7 pm from 5 cents to 28 cents per key 😥..I'm going to unplug everything except my furnace (even unpluggingfrig) from 12:50p to 7:10p during those peak hours. I will now use a solar powered cell phone charger, a screen magnifier $13 from Walmart to put in front of the cellphone for watching You Tube etc on my cellphone . I have unplugged even my microwave when it's not in use.unplugged the electric start on my gas stove-use a match to light the burner .doesnt work during the time you need to operate the oven..I cut what I can but cannot control the service costs of fuel delivery/state,county, city fees..or assessment in Mn for the Texas Artic blast grrr

[@colorpagan]

I crochet stuff I use like pot holders and I fix the things that stop working.

[@RandBWallace]

You asked for side hustles - I have a most unusual side hustle! I am a quite accomished knitter - I'm working on a Master Knitter Certification from the Nation Knitting Guild of America (yes that's a real thing!) So I do test knitting patterns and also knit samples to be photographed for the paaterns/books as well as samples for showing in local yarn stores. The yarns and patterns are provided to me, and I get paid by the meter of yarn used. The finished object goes to the publisher/pattern writer, but I get the pattern for free plus get paid. And sometimes, I get boxes of dying mistakes from yarn manufacturers! It all adds up to a BUNCH of free or nearly free Christmas and birthday gifts!

[@UndertheMedian]

Oh my gosh! I love this side hustle. How unusual. What fun to get paid for your passion. Handmade goods are such a joy to give and get as gifts, too.

[@stinejohansen8342]

My aunt did the same. And she made a lot of knitted jumpers for everyone in the family. 😍😍😍

[@kaelaleedaley]

Oh Bobbie - you are living my dream! God Bless you and all the work of your hands! Xx

[@maryhull531]

Awesome

[@leslieboe6379]

Thank you for being so non-judgmental about my money mistakes. It helps to know I'm not alone.

[@larryware1]

You're welcome, Leslie. Thank you for your kind comment.

[@YanilleCastillo]

❤️

[@leticiaurbach1720]

@@larryware1 we also have autopayments that we dont see, but we need to check our bank statements.

[@MrsSimsy]

Hi Larry and Hope, my side hustle is 3 fold in payback ... I have had surgery on my leg and one of the conditions to recover is I have to walk ... I am not a keen walker !! So I took up delivering catalogues in my suburb AND they pay me for walking, that was the first payback. Secondly I did not have to join a gym as the exercise doing the deliveries is enough to meet my recovery requirements. Lastly, I get to see all the different gardens around my area and have been given heaps of cuttings of plants I like, so our garden renovation we are doing is being planted out by the cuttings which I know grow well in our local area.... talk about Win Win 🏆

[@frugalwendy]

👏 Well done!

[@UndertheMedian]

We love these side hustles! Walking is so good for you.

[@ayela562]

I love this ! Good for you !

[@anniec6420]

amazing....a positive attitude helps....well done

[@MrsSimsy]

@@anniec6420 thank you so much, especially as I am feeling a little sorry for myself right now having had another procedure that has left me feeling bruised and sore. Your comment lifted my spirits, so thank you so very much 💖

[@kristy1799]

We definitely made the mistake on retirement. I started at my job in my 20s and they have a regular retirement and an extra deferred comp program that I did not opt into….I finally opted in to it in my 30’s and now in my 40’s I’m still kicking myself for those 10yrs I didn’t at-least put like $10 a pay in…that was a lot of missed opportunity!!! Credit Cards got me too when I first started out…I’m totally zero credit card debt now but I wish someone would have warned me about the horrible hamster wheel that sticks you in when I was younger!

[@user-ko2tu3ss3o]

Best advice ever, live below your means. Always. Thank you Scottish grandma for this wonderful teaching.

[@anastasiahicks9451]

It takes a wise and humble person to admit they have made mistakes... especially for the purpose of eping others learn and grow! ❤

[@debishell952]

Hope, your outfit today is in Your Colors! When my husband and I were first married, as in the first month. We got a huge phone bill.I had to plan our wedding by phone, because I was at college and 650 miles from my parents. I tearfully went to my husband and told him how much it was and he told me to just send in about half of it. I tearfully explained it wasn't a credit card and we had to pay the whole amount each month! From that day forward, I became the primary money manager in our family.

[@desertfish6239]

LOL My husband and I didn't discuss money before marriage either. Imagine my surprise when I found a drawer full of his unopened bank statements. I took over the finances at that moment. After 30 years he is doing MUCH better. :)

[@readerbabe1984]

Lol! Sounds like how my mom described my dad.

[@UndertheMedian]

LOL! Great story. Well, he probably knew that there was money in the bank. So, why open the statements?

[@faithrada]

Sounds familiar. 👍

[@goheen04]

When we were getting out of debt, hubby worked all the OT that he could... My side hustles were cleaning a dr office two days a week, took a lady on errands, and flipped furniture for resale and also flipped furniture for people...

[@larryware1]

Great way to earn extra money, Dragon Fly. Nice.

[@ashleyashcraft1754]

You flipped furniture for people? That's legal? (Lol a joke...)

[@barbiec4312]

What a great guy.

[@goheen04]

@@ashleyashcraft1754 hehe!

[@shirleysymon2160]

My budget was so tight that I knew when Walmart started raising their grocery prices. Because my budget was so tight I couldn't afford to "shop around"so I only shopped at two grocery stores Walmart and kroger. That way I knew the prices

[@kellygray8595]

I'm back at the beginning of the budget process. My husband passed away at the beginning of last year, and I'm having to re-learn what my life as an individual budgeted will be like.

[@patmartin9727]

I totally understand that. I have always been the one to deal with all the household finances yet when I lost my husband nearly 3 years ago I felt in close with the finances. It took me about 12 months to sort out all the joint finances and then build a budget for my finances on my own. This all happened during Covid which didn’t help as everything relating to my husbands finances took longer to sort out. I then decided to down size to a smaller more manageable property which once again sent my budget and finances into change. I am now 12 months down the line and am just about feeling I have cracked the new budget and am back on track with the budget, sinking funds emergency fund and savings. I have found the whole journey a little stressful but now feel I am in a good place with my finances. Just keeping a very close eye on things as am a little worried about the cost of living rises we are all experiencing. Let’s hope over the next year things settle down and the world gets back on an even keel. Can I just add be kind to your self and give yourself time to work through the things you need to sort out, tweak as you go along.

[@kaelaleedaley]

God Bless you Kelly

[@lavieestduresansconfiture4939]

I'm the chef of our finances and am blessed with a very modest husband who didn't care about spending money, wasn't just his cup of tea. Working in his studio was the only thing counting for him. But he supports all my work with our finances, budgets etc and is very proud of it. Some days ago we learned that our pension rises for more than 200€. What a Roman feast! 😂 The next day I actualized our sinking funds, opened a new one, gave each of us a little amount to spend on books just to celebrate this day. Now we can face all the difficulties the next years will bring us.

[@justafryguy]

I have literally had no frame of reference except Dave Ramsey, your channel and two other channels. God has used you both and those KZbinrs have help me and my family so much. Thank you!

[@ybois3]

Same here ! Keep up good work and never stop learning 😁

[@batirtzeurkiaga1716]

Wow. THAT'S WHY you're so adamant about helping people. You guys have come a really long way. What a 360°!!!!

[@Giselebushey]

I’m 63, have nothing saved, I’m raising 3 of my grandchildren, (adopted one of them). I’ve been watching your videos for the past few days. And even though I can’t say for any kind of retirement, I’m hoping to be able to not run out of money in the middle of the month. I’m having more help after watching some of your videos, have begun to implement some at the grocery store.

[@carasmussen27]

Only a few minutes into this and I can so relate. This is exactly how we were.

[@carlahabeck4051]

Thanks for your videos! We live off grid with solar panels and a gas generator backup. I have learned to work with the sun to run the generator as little as possible. We turn off things with phantom loads at night, do laundry druring the day when the sun shines brightly and, of course, line dry laundry. I wash dishes the same way, and we do as much as possible to use solar power instead of the generator. Our son is kind enough to take our limited garbage with him when he visits, but we do usually go to the local land fill once or twice a year for yard ckean up and such. We have lived pretty frugally all our lives, but as they say, there's always room for improvement.

[@carasmussen27]

Love the picture you showed at the beginning of the video!!!

[@UndertheMedian]

Thanks. That was a candid shot from our wedding and definitely our favorite photo of that day.

[@barbaratozzano6364]

I lowered my electric bill by about $10. I took shorter showers, raised the thermostat just 1 degree, to 79. I covered my west facing bedroom window with reflectix which made it much cooler.

[@YanilleCastillo]

Yes my dad said I’m use to 67 degrees in miami he said to wean your self one degree hotter every 3 days kind of like weaning off meds

[@christinegariepy4492]

Side hustle : proof reading (révision in French). I'm very good at it. Extra cash without worries. And I like doing it.

[@UndertheMedian]

What a fun side hustle!!

[@christinegariepy4492]

@@UndertheMedian really when you are good at it! Love doing it!

[@kaelaleedaley]

Great video as usual! Our side hustles are making/growing things by hand to sell online and taking surveys. My Husband will sometimes build or install something in commission and I might take in alterations x

[@garynhelfrich]

I drive cars for a dealership. They are always trading cars from one dealership to another and needs someone to do that.

[@KC-dr3cg]

Wonderful contribution to your viewers! Amazing down to earth help.

[@eileenpalumbo6578]

Yes utilitiy savings video please.

[@larryware1]

We will plan on doing it, Eileen.

[@workinprogresssince1974]

My side hustle is currently online surveys. I'm making about £120 or $144 a month and it fits in well with me running my own business/other responsibilities.

[@UndertheMedian]

That's good money for taking surveys. Nice side hustle.

[@BJ-kp3rp]

What is a good company to do surveys for?

[@lynnbrown9164]

You guys are the best. I love the way you give examples of everything. I don't have a side hustle. I do work part time at a school. I don't work in the summer and I'm going back next week. Yay. I missed and need the money and I was very good this summer. I really didn't go out to eat or buy clothes or gifts.

[@larryware1]

Thank you, Lynn. It's all a matter of living within your means, right? You're doing great!

[@jerryspinosa5466]

Every video is educational!

[@dukealliefifi]

I could probably cut even more off of utility bill if my husband would just get with the program. He turns on the lights when it is daytime. We have the natural light and it's enough. But he's a work in progress. Lol

[@almostthere2884]

I feel so inspired! I think this is the best video I have seen from you two. Every idea is a good one, and one that can be accomplished by anyone.

[@writercard4]

You always share great advice

[@larryware1]

Thank you, writercard4. You're too kind.

[@sheila1435]

Have I told you lately that I appreciate you? Have a blessed day!

[@faithrada]

Learn the magic of compound interest.. AND start as early as possible. I started saving for my first house at the age of 15. I worked two jobs and put off children until we had a decent nest egg. I will share though that my parents were actually TOO frugal. They took a good idea way TOO far... and us kids suffered for it. My advice is... FIND a SANE balance.

[@marybishop1818]

Would definitely love to see a video on utility savings.

[@cynthiacomer5808]

Coincidentially, prior to watching your channel I was thinking how wasteful (and costly) it was to wait for the water in my bathroom faucet to get warm to wash my face at night and in the morning. It comes out very cold and takes quite a while for the water to run warm. It occured to me to get a vintage pitcher and wash basin. That way the water would be room temperature and you could more accurately measure your usage at the sink. I'm going to give it a try.

[@maryhull531]

Very very good advice and I have done some of those mistakes myself which I regret now . Too late to cry over lost opportunities but it is never too late to try and get back on track.

[@victorwadsworth821]

Food Bank Haul, two big bags of chicken soup, a big bag of fajita meat, bags of salad greens including micro greens, bunch of berries & a lot of other goodies.

[@TerriBee]

I’d like a utility savings video! In NH our electric rate just DOUBLED. 😭

[@UndertheMedian]

Yes! I heard from another viewer in NH a few weeks ago. That's a huge leap. We've done several videos on saving on electricity. This one is talking about summer savings: kzbin.info/www/bejne/pmqbnoOEetSYaMU&ab_channel=UndertheMedian We also did one that's a little more general about electric bills. kzbin.info/www/bejne/Y328YZ6udq19Z7c&ab_channel=UndertheMedian

[@isabelsebastiao-vieira2152]

I really really really want a video on Utility Savings.... There is a rummer going around that electricity is going up 40*% in January, here in Portugal.

[@bria2596]

There are a couple of videos on this that they did this year. Great advice, tips and tricks you can use no matter where you live in the world. Sorry about your sky-rocketing electric bills.

[@donnad4264]

Contact the utility company for a 'budget plan's ours budgets us for a year and changes our amt based on last years usage. Gave us a consistent utility bill for 12 months

[@isabelsebastiao-vieira2152]

@@donnad4264 I have been on a plan before... where it is for a year and they average it out and then twice a year they do an actual reading and they either pay you back or you pay what it has gone over. I don´t like these plans because I usually have to pay them and it is usually a high amount. Don´t forget I live in Portugal not the US or Canada.

[@nannettegonzalez8776]

I learn so much from your videos!!! Thank you!!!❤

[@Me-tv5mw]

yes! A utility savings video please. 🙂

[@hollynauss6359]

Look through their videos. They've done very thorough ones on saving energy in both summer and winter!

[@sharongenco3716]

Yes, please, video on reducing utilities! Thank you

[@joannburns1090]

Thanks for the great advice! I love your necklace Hope! It's beautiful ❤️

[@missworm]

Only one pen today - does that mean the temperature has fallen? Is it raining? What did you have for dinner? I’m determined to crack the ‘Larry Pen Code’!😉

[@UndertheMedian]

LOL! We are getting such a kick out of the conversation surrounding Larry's pens.

[@petitepiton9204]

Hope, you look very nice in those colours

[@mellen1487]

We want a video on utility savings!

[@mellen1487]

I'm in a folk band with my three sisters and we play 3-5 gigs a month for an extra $150-$500 per month! It's fun and lucrative! That's my side hustle.

[@UndertheMedian]

How fun! I sang with a group of friends when I was single. We're still friends and laugh about our big hair and matching sparkly dresses. (It was the '80's. LOL!)

[@CanadianQueen.]

Please do the video on utility savings. ❤️🇨🇦

[@fredswartley9778]

Excellent video. Thanks for sharing your money mistakes! It really makes me feel a lot better about the mistakes I've made so far...I'm in my 30s and haven't saved much money for anything yet, including retirement. I'm trying to get more aggressive in saving money for my future goals, which include marriage, buying a house and retirement. I'm also working on side hustles, which include writing books and growing plants to sell. Could you make a video on how to prepare your finances to buy a starter home?

[@Sally-wm5jh]

I recently bought a mini oven so I didn't have to use my large oven as much. Within a week or two of using it, my electric bill is already lowered. Please do another video on lowering our bills even more.

[@frugalwendy]

Saving up to buy one--can't wait!

[@UndertheMedian]

Really interesting idea. Do you find that it is large enough for your needs?

[@sdoncam5491]

I have a family of three and switched from my big oven to a medium sized toaster convection oven and it was plenty big enough for us and saved quite a bit. We actually switched to a smaller toaster oven style multi use air fryer and we can cook in half the time.

[@Sally-wm5jh]

@@UndertheMedian It is large enough for the casserole dishes and pans that I typically use. Love it more every time I use it.

[@dorothylynch7264]

please do a video on lowering utility bills! thanks.

[@jonnaborosky8836]

Wow! $60 off utilities in 3 months! Yes, I'd like to see that breakdown. I love listening to your budgeting history! I think most of us have made big boo-boos! At least you worked together to figure it out! That was good. When I was young,I graduated a year early from high school. I didn't plan on it or try to...I thought study hall was boring, because I'd probably already done my homework for the next day before I went home from school. I also took classes in the summers. I loved learning and would rather be in a classroom or library back in those days. And, don't worry...I had a perfectly fine social life, too! The point is that I'd already fulfilled all the requirements for graduation at the end of my junior year. I didn't know that was going to happen, so I hadn't done anything about picking and applying to colleges. So, I spent the year working, while living at home...so I saved just about my whole pay check. Then, I moved out to live on my own for another year. I thought I could do it and wanted to test that. (I did come back home and go to college). When I was 10, we got a new big dictionary. It had a whole lot more than just a dictionary in it. It had a list if all the rocks in the world (whereupon, my favorite became lapis lazuli), business letter forms, proper greeting for anyone of any title all over the world, alphabetized baby names, etc...and a list if percentages if income to allow in each budget category. So, when I moved out, I already knew that list. Somehow, I also realised I needed to keep the categories separated by envelopes. I don't know if I'd heard that, or if I thought it up...I probably heard it somewhere (although I was making amortization charts on debt before I'd ever heard of amortization. It just made sense to me that interest was going to keep being added to debt levels while debt was being paid off. I'm saying that as evidence that I might have thought up using envelopes on my own...I just don't remember. I also did NOT start saving for retirement early enough. I did start 2 very small accounts with 2 different employers in my 30's, but nothing substantial till I was 45. If I could do it over, I'd start with my 1st job. I still use an envelope system...plain paper envelopes...the kind that are always on hand. It didn't occur to me until last year that some people buy fancy, zipping, plastic envelopes and put them in special notebooks. I like that...and would love to have that...but I'm saving money...not spending it. My utilities have been lower than usual for a few months now. I'm just using less. I've been extreme in the past to lower them, but recently, I've just been keeping an eye on them. My water, sewage and gas bills have been low. I pay the same amount every month for electricity through one of their programs. Anyway, it really is interesting to how you wended your way through all you learned...😊❤

[@CentsibleLivingWithMoneyMom]

I love the picture of you and Larry.

[@UndertheMedian]

Thanks. That was definitely our absolute favorite wedding shot.

[@marypflug977]

Yes please do a video on your changes to lower your utility bills. I'm in FL and they are SO high!!!

[@allardvanderstarre5238]

a little tip fumio sasaki goodbeye things; a licke extreme, but useful

[@botialoach1]

I have made a lot of your mistakes also, I managed to make corrections on the way, I always believed in researching item to buy small and big , I am pretty conservative in spending, sometime I missed really good deals , like vintage bicycles and vintage computers but that is life you should not buy anything you see even good deals. I video on reducing utilities bills will be helpful

[@dawncierelli1510]

hope, what a beautiful outfit...the turquoise and the purple looks so nice on you...I'm sure it was a Thrifty find

[@UndertheMedian]

Thanks so much. That is one of my favorite summer outfits. The dress from a hand-me-down from my sister. The outer wrap was under $1 from a thrift store and the necklace was $4 from a garage sale.

[@dawncierelli1510]

@@UndertheMedian yep that's how you do it hope

[@billgray7914]

Save on utilities would be a big help

[@dianemedina5814]

Thank you very much for these videos. You helped me to have more momentum with my budgeting. Currently I just paid up all my outstanding bills and on my road to saving my 3-6 mo safety net. I'm excited. I have a notebook of saving tips I'm working on more aggressively now. One thing is I want to generate more money. I was forced to go on early retirement due to osteoarthritis which has me somewhat up and down up and down. I raised 5 kids and my illness made my employment history sporadic. Now I can't figure out what skill I have that can earn me more money that I can work around my illness. Got any tips or advise on this. Would appreciate any. Thanks again for all your help. God Bless.

[@michelemarino3579]

Do you have any hobbies like sewing, crocheting or knitting? Crafts like wreath making?

[@dianemedina5814]

No, not a crafty person.

[@barbiec4312]

House sit. Pet sit. Work in a museum, or a live theatre. Babysit?

[@timecoachsam]

Coaching others on a skill you have. If can be done virtually. Perhaps related to your former profession.

[@annehoyle3581]

I would love to hear ways to save on utilities. I have cut my bill by $30 a month just by unplugging my TV and washing machine when not in use.

[@daileykohtz5838]

The "side hustle" I'm building is getting into real estate investing. My fiancé likes to do wood burning, and various handcrafts. That could be his.

[@tanyamorrison7350]

Yes please utility bill cost reducing video.

[@sharons4611]

They have done one. It was great!

[@gardengal9478]

Your financial journey has been almost identical as ours. Same mistakes and same wins. Our biggest struggle now is living in a very high cost state (NJ) but we can’t leave because our oldest daughter has stage 4 breast cancer and we are her support system. Also, the cost of healthcare has become very difficult to navigate even though we eat healthy. Not sure what our financial future looks like.

[@donnad4264]

So many asking abt utility Bill's, contact companies, ask for budget plan, average last 12 months and make reliable monthly bill Has worked for us for many years

[@kimmyfox726]

I implemented a lot of ideas you giving lowering my bill to $35 dollars which gives me a $25 saving

[@kerryjames6312]

Thank you I made so many money mistakes in my youth I am 54 nearly there can learn more

[@apoetsnote]

Thanks

[@lindadenneypu6315]

A friend has got me on to doing surveys for prepaid visa cards waiting on my first one that I'm elegable for but it will help out a lot and I do crosstich been told for years I should sell them I'm seriously considering it

[@lindadenneypu6315]

Hope ya knecklace is so beutuful and looks great on u

[@patblack4332]

Thanks to both of you I saved $34 on my electric bill past month

[@kimward5862]

Show us the utility savings!

[@brendasnyder8239]

I stopped picking up collectibles because I have too many and I am tired of dusting them, I never go out and eat because I would rather eat at home. I have tried to sell some items but have not had any luck, I am trying to find a side hustle I can I enjoy and can make a little money. I am retired had to retire at 62 1/2 because of my health. Have a blessed day.

[@Lulu-he9dp]

Great video and chat - thank you!

[@debbielovett3087]

Would love to no how you decreased the utilities.

[@joycevarner8549]

Love your channel

[@barbarabruce7648]

If you live within your means you are a millionaire! Everything on top of that is gravy. Living within your means will free you up to not worry about working harder to pay for things you don't need or makes you happy. Time has a value. Either relax doing nothing or work doing something you want for extra cash. All possible if you live within your means.

[@melvinthompson3357]

Very helpful thank you people

[@virginiaantonetty7108]

Video on utility bill.

[@dianerajkowski1291]

Yes please on the electric savings. Thankyou

[@amazonorchid1321]

Hope, I love your colorful outfit! Beautiful!

[@victorwadsworth821]

FICO score went down last couple months but not due to bad habits so expect it to go back up.

[@amandabarrett3752]

I just love you too 😀 find all your suggestions extremely helpful x

[@cynthiacondron9397]

You give such good advice.

[@heatherwillis8891]

You guys are a great team! Thanks!

[@katywillett2590]

First time I noticed that KZbin award behind you. Congrats!

[@UndertheMedian]

Thanks! 😃

[@sweetpea4967]

Utilities savings video would be a great idea!

[@vegasregs1620]

Great video! And we were the same. No direction at all.

[@victorwadsworth821]

My first sleep study I stopped breathing 80 times an hour, told it's gone down to 43 times an hour & I'm getting a new sleep machine. I will use the old one for travel.

[@joancaruso170]

Yes, tell us I want to know Big Time!

[@AmandaJYoungs]

I would love some more detail on how you saved on your utility bill. It won't be quite the same as what we have in the UK but I would still bet there will be some value in your video on that subject, if you make it! Thank you so much for another great video. I think you two are younger than me, but I wish I'd had you to watch on KZbin when I was growing up. You've taught me so much that nobody else has done! PS. Can I ask you, how did you manage things like birthday gifts to each other? If you're always 100% open with each other about budgets, how do you squirrel away money to treat your beloved? Did you allow each other a certain amount of "pocket money" that you didn't have to declare what you'd spent it on? I'm curious because this arose with me when I had a partner who wanted me to manage the money. I was happy to do it, and I kept offering to show the budget and how it worked, but my partner wasn't interested as long as there was enough to cover essential bills. I was able to squirrel away money to treat my partner with, but it didn't happen the other way around because I was the only one who knew what was happening with the money! I wouldn't allow that situation to arise again, but I wonder how you have dealt with it?

[@bren8652]

My spouse and I talk a couple months before our birthday's and Anniversary, if we want something big or special we say so. Otherwise each has a little each month that if not spent can roll over.

[@AmandaJYoungs]

@@bren8652 Thanks! I appreciate little snippets of information like this. They help me manage things better in future.

[@alexwright1330]

Really great video. Thankyou for making it 😀

[@anneard1674]

Hope you are lookin especially pretty today. Were you two teachers in your professions? Not long after we were married me 17 him 23 it became my JOB to make His income go twice as far. Growing up Southern rural was very incentivizing! Pretty quickly I/we developed a 1 yr, 5 yr, and 10 year plan... what we wanted to have accomplished in those time periods. As time rolled by it became 1 yr, 2 yr and 5 yr plan! LOL Now as a recent widow I am forced to adjust to 50% income when expenses did not go down to 50%. Praise the Lord we have pretty much lived debt free all our lives!! My dad always said "Pay as you go or don't go!"

[@UndertheMedian]

First, we're so sorry for your loss. Cutting your income that much is very hard. When we were younger, I worked in radio and Larry worked behind the scenes in television and multi-media. Later, he worked at our local police department for 20 years before retiring.

[@brendasnyder8239]

Yes a utility savings video please.

[@debzell3426]

I sale products that I got from couponing

[@kareno6986]

Would love a video on utility savings please

[@denisereneec]

Great video!!

[@aspenljason]

Yes utilities savings plz

[@shirleyhess7]

I sure hope you share how you lowered your utility bill! I have level pay for my electricity - it jumped from $64 to $86 - a jump of 34%.

[@shirleyhess7]

@Becky I'll hunt it up. Can't believe I missed it. Thanks Becky!

[@elizaC3024]

This one is for Larry.