The FRUGAL DON’T LIST-AVOID THESE to Improve Your Finances/Saving Money with Frugal Living

[@katebaker8763]

Sooo happy I found you I literally am paying off three accounts this month !!! Can I actually be debt free by the end of the year!?!?

[@thebestwillow]

One way to find out!

[@abrareads]

Congrats!!

[@KateKaden]

KATE!!!!😍😍😍😍😍😍😍😍 I am so so so proud of you!!!!🙌🎉🤩

[@jenniferp403]

Woohoo!

[@ZiggyMoney911]

You are so close! You can do it!!!

[@jessicaleibret8772]

I just paid off 2 off my credit cards now I have one left for only 900 I'm so proud of myself

[@KateKaden]

JESSICA!!!! I AM SO PROUD OF YOU TOOOOOO!!! WAY TO GO!!! YASSS!

[@estanding2430]

I love that you pointed out “don’t wake up late” one I’ve never heard and it makes so much sense.

[@KateKaden]

🙏🥰

[@annc5298]

My boat looks like a colander!

[@charlesdrapeau4244]

I use the phrase, do I want it or do I need it. I only buy what I need.

[@duanemcguffey9483]

I love your non-judgmental positivity and encouragement!

[@KateKaden]

Thank you so much!

[@lynningram9171]

I really fight the "I deserve it" idea. I allow small treats. A square of chocolate, a bowl of popcorn I popped myself, two ingredient fudge I make myself. I try to be reasonable and within budget.

[@mpumiontheweb514]

A square 😵 I could never. That's why I don't even buy chocolate anymore because of that.

[@robbiethornton-peek7485]

Why even wait until the end of the month to pay the credit card off? as long as there is a balance you are in debt even if the money is in the account already. I pay the card off as soon as the charge stops pending.

[@patriciamaher5385]

Me too.

[@marynienhouse6143]

Don’t do it!!! Sing it, Sister! We all needed this non judgmental talk. Thank you ❤️. Don’t buy another kitchen anything. See what you already own that may work

[@KateKaden]

You are so welcome! Thank you Mary!!!!!!!! Appreciate you!

[@bria2596]

Mary, you got me laughing. Thank you! Kate's delivery is so non-judgmental, and I appreciate that so much.

[@78gravedigger]

I rushed for 20 years. Just now getting to appreciate walking up early and planning, big relief.

[@KateKaden]

YASSS!

[@janeandrews1790]

If you feel you deserve a treat and absolutely have to have one, you need to redefine your idea of treats. Not all treats cost money. You could get in touch with an old friend you haven’t talked to in a long time. You could research dream vacations for when you DO have money-- anticipation is a lot of the fun. You could watch KZbin videos to learn how to do the perfect cat eye, or how to crochet, or watch Free University course videos. If you have seeds or bulbs, you can’t plant those, if not, just planning a garden is fun. Imagination not money.

[@Spot4art]

Amazon. That is the flood in my boat. I pay off the card I use just for Amazon every month. I never carry a balance. BUT…now that Christmas shopping is done, I am refocusing for 23. Choices are changing. The last year I spent investing in food. We are stocked. Our needs are minimal. Christmas for the family children is our splurge. We know they are small for such a short time. We live within our means but we can do so much better. So I am putting Amazon on notice! 🤣 plugging that hole in my boat. Shopping will be strategic in 23! DONT DO IT! ❤️

[@eloise5274]

I get up at 4:00 am. My cats 🐈‍⬛ 🐈‍⬛ want to be fed. I drink my coffee and watch TV. The TV makes me late.

[@KateKaden]

Your kitties!!!!! YAY!!!! #catlovers!!!

[@karlinebohne789]

2:35 am ! I don’t know why I’m up but enjoying your video!

[@KateKaden]

Glad to see you Karline any time of day or night! :):)

[@doreenblea207]

My family is my hole in the boat😔I can't say no. I'm making progress but could make it a lot faster if I could just say no!

[@KateKaden]

You've got this Doreen! I'm so glad you're here. HAPPY FRUGAL FRIDAY!

[@plot10homestead58]

'Never' is a very polarizing word. It's lovely to list all the things you'd 'never' do, until you have no other choice.

[@cathydiamond6573]

Don't Do It!!! I'm debt free. Yay.

[@KateKaden]

YASSS Cathy! Awesome!

[@arthurmantzouris4413]

Thanks for sharing this video Kate.....I've been debt free since 2009 Whoohoo!! But all seriously I love yr videos which pump me up to keep saving for my Car!! I plan on buying it all CASH!! And I will....what I put my mind to I do...But keep up the assume work that u do when making these videos.. You ROCK.....

[@nancyelizabeth8364]

I pay my credit card daily not monthly I don’t use cash

[@wandahall4435]

Love Kate and Kaden and Hamann Love 💘 ❤ 💕 ♥ 💗 💖

[@KateKaden]

Thank you so much Wanda! So happy to see you as always:) Appreciate you!

[@thefrugalcyborgmriii3531]

Happy frugal Friday Kate! One of my frugal don’t is, don’t go out shopping without watching a frugal video! watching a frugal video before I go shopping is inspiring so I don’t overspend or buy unnecessary things! have an awesome frugal weekend, Kate! stay awesome!

[@KateKaden]

GREAT IDEA MARINO! YASSS!!!!!

[@watchmethriving]

Genius idea!!!!

[@mariahsmom9457]

That is such a good idea! Im totally going to start doing that one.

[@carolined3058]

doing no spent month and pantry cooking this month. All of a sudden some things come clear.

[@KateKaden]

YASSS CAROLINE! :)

[@paulahastings7865]

Took almost 3 years to pay off all debts. It's sure a wonderful feeling. Less stressful.

[@SReid111]

If you have a monthly budget dont divide your disposable income by 4 weeks...always 4.5 for those final days of your paycheck!

[@smartypants1980]

My favorite Frugal Don't is DON'T buy a new movie the minute it hit's Amazon, but today I bought "Breaking" right away and ended up paying a hefty price.

[@KateKaden]

Good idea!

[@pigletsbank437]

Don't go shopping without a shopping list based on your(weekly) meal plan!🛒🍞🧀.... Don't shop every day, just ones a week. 📅 Dont eat out, learn to prepare and cook 3 simple quick cheap meals🥞🥗🍝🍳 Don't leave lights or heat on when your not using it. 💡 Don't buy something straight away if you need something, ask around see if you can borrow it for one time use, check flyers where is the best deal ( and check reviews) Don't stop tracking expenses even if it's not the numbers you want to see, make a plan and start today as Kate mentioned Don't give up!!!!! 👊

[@KateKaden]

GREAT ONES!!! THANK YOU!

[@Julie-si3hi]

Happy frugal Friday evening! 🇬🇧 my frugal don't is...don't beat yourself up if you've slipped on keeping up with your budget....reset,refocus and realise that you can do it x

[@KateKaden]

HAPPY FRUGAL FRIDAY!

[@bridgettetraveler658]

Great video! Don't do it! Debt dieting is like food dieting! It's hard but must be done! Financial health & physical health goes hand in hand ✋! Both will make us happy!!!

[@giannagallegos1530]

Still have a hard time with budget but I don't buy if I don't have cash

[@kayhutson7577]

Restarting the Baby steps again. Halfway through baby step 1. Going to try to do a no spend January. Love watching your videos.

[@KateKaden]

YASSS KAY! You've got this! I'm so glad you're here!

[@christinemurrell7153]

I LOVE this video! So many ‘aha’ moments that I have lived by in the past and have slowly let go as I moved into a stronger financial position, but have seen the debt start to slowly increase again….thanks for these reminders and am hitting it hard starting now and watch out 2023! THANKS, KATE!❤

[@katebaker8763]

Do you know when you get a lunch break and you really don’t know what you wanna do with your hour and you decide to run into target and make quick decisions because you need some thing and end up spending a bunch of money which I haven’t done this in a couple years now thank God but you better believe I used to!

[@KateKaden]

Great idea Kate!

[@jackiefields1607]

Where is the leak in my boat? What a great question!

[@KateKaden]

YASSS!!!! :)

[@pamwise9013]

I'm learning that if I focus on my sleep and fluids. If I do that I do better on everything else, weight management, and my moods. Newest frugal don't is to shop only with a list and anything purchased beyond the list (impulse buy) I either have to transfer an equal amount into a savings account or not buy and put on the next shopping list. Also trying to shop from my freezer and pantry, why if it's so full and I still need to buy so much at the store. Because I don't meal plan, that's why! Work in progress. Love your videos and practical advice.

[@rochellethundercloud346]

maybe it's those one dollar here,five there mindless spending. that adds up fast,too. it's very rarely a major expense that blows a budget.its those tiny,not even thinking about it costs. the multiple times a day starbucks.at $9 per ,that adds up.

[@KateKaden]

YASS! Thank you Rochelle!

[@ksk881]

As soon as I make a purchase, I deduct it from my checking account. In the space where the check # would go, I put a letter for whichever charge card I'm using (I use two for very specific reasons). That way I have already "paid" the money . I keep a running total, and when the bill is due, I pay it with the money I have already earmarked for it. I also spend money from specific budget categories somewhat like your's (but I have several sinking funds that i don't dip into). My friend told me that that's too confusing, but it's easy when you get used to it, and nothing gets overlooked. I refuse to pay interest too! 😁

[@KateKaden]

😍❤️

[@Ofus5]

This is a brilliant tip that I’m going to use. I agree with you it is easy. You could even use an old check register to keep track. Thanks for this tip.

[@ksk881]

@@Ofus5 You're very welcome, Kay. My aunt taught me that trick years ago when I got my first credit card, and it works! 😀

[@NC-dv8yf]

I like that :) hitting snooze, you lose … my new motto after this 😉

[@neslynhoon7020]

Thanks for taking the time to teach. Dave Ramsey helped me and now I'm enjoying watching your videos.

[@terryhenderson424]

The one thing frugal people don't do is pay someone else for convience and services when they can avoid it. There was a time around here before the housing bubble when everyday smoes were paying others to mow the lawn, treat the lawn, prune the shrubbery, wash the car, vacuum the car, clean the house for so many hours a week, deep clean the house, prep meals, and so on and so on. There are times in one's life when you might have to pay someone to do these or some of these tasks; even when you're able bodied. But not so you can say: "Oh, I hire someone to do that." With respect to frugality, it extends beyond household chores and maintenance into most aspects of life. Each person has thier own skill set, personal financial and time/ labor budget, and preferences. What is an acceptable frugal activity to one person may not be to another. Yet, frugal people tend to do more of thier own tasks and not want to pay others for what they are able and willing to do themselves.

[@daniellephillips9708]

All my every dollar items are listed the same way 🤣

[@pigletsbank437]

Almost happy frugal friday again😃, see you tomorrow ☕!

[@natalieguffey3936]

Thank you have a great weekend

[@KateKaden]

You too Natalie!!!

[@FidoHouse]

Don't do it! Thank you, Kate, as I needed this encouragement this morning. Vet bill of $1200 went on my card - bit of a setback re goal of card payoff by December 31st. So, it will take me a little bit longer: "temporary but necessary". I'll get there.

[@KateKaden]

Ahhh yes, the hefty VET bills! So rough! We love those furbabies so much! :) :) HAPPY FRUGAL FRIDAY!

[@MariaGarcia-gj5ie]

You are absolutely right. Getting up late costs money

[@heathersheartco]

Don’t do it 🙌🏼🙌🏼🙌🏼

[@Ripplesinthewaters]

Hello! I am a brand new subscriber. I like your tips. They are all common sense. I have a little money on my credit card, we just bought a new (used) car and we are moving into a new rental house next week. I’ve just started eating at home exclusively and taking my lunch to work. My goal is to rework my money habits so we can rebuild our big savings. Thank you for the wonderful advice.

[@KateKaden]

So glad you are here Kristin🙏❤️ Thank you for watching and sharing with us. See you Friday for a new video!

[@bethanyg153]

You don’t usually drive economically when you’re running late either.

[@KateKaden]

Good point!

[@barbcarranza3492]

debt takes a toll on your soul

[@KateKaden]

It sure does! (And that’s a good rhyme!) I like it!

[@kasandrabrown8611]

Hi Kate, I have experienced putting a positive spin on being frugal by doing this. I set up a glass jar and labeled it "Coffee, Breakfast and Tip @ Starbucks", and then would deposit the money I would have spent at Starbucks. After a few months if this, I had saved almost $1,000.

[@heartflyte4697]

WOW! That was a big leak you plugged.

[@KateKaden]

OMG YASSS!!! LOVE THIS!

[@dianaschoen4485]

Yay! Ive never understood the Starbucks/Tim Hirtons thing! I see a those looong lines! Why?! I wake up, have coffee while Im getting ready, then brew a cup for the road!

[@jackiefields1607]

What a great idea! Makes coffee at home fun.

[@judymcpheron5955]

Wow! What a genius idea! I am going to do this in areas I overspend in and put it towards my goals.

[@watchmethriving]

DON'T DO IT!! I was going to watch the live premier, I even set an alarm, which I turned off and promptly went back to sleep. oppps.... oh well, I needed the sleep and thankfully woke up long before my eye doctor appointment.

[@KateKaden]

Hope your eye appt goes well!!

[@watchmethriving]

@@KateKaden I'm getting glasses.... sigh.... but it took only 2 minutes at the most to find frames I LOVE and fit just right. I was in and out of the optical shop in 10 minutes. I'll be getting my purple wired frames in 1-2 weeks.

[@thebusybees2006]

TY for the video Don’t do it

[@Whisky-1203]

My best tip is to find balance-whether that will be working, exercising or saving money. I have found if I work too much I end up being sick or extremely tired. Also have to watch when I try to cut out expenses the next month I end up spending way too much.

[@KateKaden]

Love that! TOTALLY!

[@terrypelletti8535]

Happy Frugal Friday Kate!

[@thebusybees2006]

Thanks for the tips ! Don’t do it !

[@KateKaden]

You are so welcome! :)

[@terryhenderson424]

We tamped down into a stringent budget by the end of May (2022) when gas prices rose by about $1.50/ gal in 4, not quite 5 weeks, and we still had mandatory trips out of our area. We've done a number of purchasing and other behavior changes. Each month, we look for additional "opportunties" to reduce expenditures and currently, we're working on electricity usage creap while realizing we are up for a 17% rate increase and that some of that creap was actually related to fans for heat yet we were able to not need a/c as a result.

[@juliemann6628]

So so so good.

[@sarahzawodny2695]

How do I handle over buying groceries? I have such an inventory of food both frozen and in my cupboards. My 4 kids are out of the house but still can’t figure out how to reduce and stop buying too much.

[@KateKaden]

Oooh! You have a good inventory of pantry and frozen foods? That is great. Can you start pulling from there for one meal a week to start committing to using it up and removing one meal from your current purchase for a little bit? If that goes well, do TWO meals from there and try to use up what you have, to reduce buying too much currently? Sometimes I find if I just devote my change to one small thing it adds up in time:)

[@stinejohansen8342]

I will try to catch you after work (12:30 Norwegian time) 🥳🥳🥳

[@KateKaden]

Okay friend! See ya later!

[@Reina623]

This is a hard talk and I needed it.! I hit the snooze button once this morning and was out the door in 20 minutes. I'm improving with my time sequence. Thanks Kate. Enjoy your weekend Kate and KSquad!

[@KateKaden]

YASSS!!!!! Have an amazing weekend!!!

[@elizabethstanton4431]

Fantastic video!

[@AprilStCyr]

Kate your extra but that is why I love you and your channel! Lol

[@KateKaden]

HAHAHAH Thank you so much April! :) :) :)

[@Ekat1971]

A partner who's there and not helpful. Lol! So descriptive. #singlenotsinglemom

[@KateKaden]

🙏❤️🥰

[@anitaluevano9643]

Thank u sooo much for your videos

[@KateKaden]

You are VERY welcome! Thanks for being here!

[@loida6837]

Hello my dearest friend 💕 Thanks for this tips.

[@deannajordan9275]

Love this, this might be my favorite video!!! “I deserve this” was said to me from a family member about them going on vacation!!! 🤦🏼‍♀️

[@LiveFree123]

Don’t do it! Don’t go shopping if you’re having a challenging day. We all have them. Wait till the dark cloud lifts. ☀️ ❤

[@KateKaden]

Thanks so much Tracey!

[@corrinejordan9592]

Doing something kind for ourselves or others, that doesn't involve money, can help us through those days.

[@LiveFree123]

@@corrinejordan9592 so true! I like that suggestion.☺️

[@shelleyviohl7876]

I wish I didn’t do it 😢

[@Frazer231]

Ignoring extra add on subscriptions ,free trials that i dont use , that move onto paying ,. looking them up today Thanks

[@KateKaden]

YASS!

[@RaPrav-g7j]

I have an app called Easy Budget to keep track of my expenses to the penny. I have all my monthly expenses listed up to a year...and adjust it as I go ❤️ it !

[@Demon_slayer255]

Thank you good information

[@KateKaden]

Thank you so much!

[@Countrygirlgirt]

Don't do it! Hi Kate

[@anitaluevano9643]

Do you have a frugal food dish you can share

[@KateKaden]

Oooh yes! Here is a crockpot meal! kzbin.info/www/bejne/p5ipoWWpr7l5opo

[@kamicrum4408]

I use cashif no cash, you cant have it!

[@MarC-bl1hx]

Don't do it! Thanks Kate!My favorite it's don't expend if you don't have the money! DON'T DO IT I See many Scams offering to invest your money in the comments Don't do it. Have a happy frugal Friday, everyone 😊 😀!

[@KateKaden]

YASSSS!!! Thank you Mar C!!!!

[@mandmsrdabest]

Don’t do it❗️🥰🥰

[@helanieverster8155]

Awesome video!!!!❤

[@terryhenderson424]

#Admin. It seems like they hit most of the comments.

[@amberhill2588]

My leaks are small things that come up I need to up the miscellaneous budget. It's the $20 here and there. My deserves it is the $5 to $7 for a drink or food once a week. And that is $20 to $30 a month. My win is I put $2100 in saving this month so far! And I have a other check this month. I'm up at 2am to 3am every morning. I'm at work 3am to 4am every day.

[@terryhenderson424]

#Admin

[@terryhenderson424]

#Admin

[@terryhenderson424]

While being frugal, don't become completely denying. That $20-$30/ month spent on drinks and snacks is well within your means if you are able to save $2100 in a month. For many people, being frugal on "this" enables them to better do "that" but if you do neither this or that, your world can become pretty darned small pretty darned fast.... Content providers have to be careful with advice. To me, it sounds like it might be time to connect up with a financial advisor. If you do, you want one that is a registered "fiduciary" which makes them, at least on paper and legally, responsible to represent thier client's best interests.

[@dayday95644]

Don't compare yourself to others!! They're probably in debt just to appear rich

[@KateKaden]

YASSSS!

[@schrodingerssquirrel6973]

Plan your morning/day the night before. Have coffee service ready, Lunches packed and waiting in the fridge (Extras from supper are great for this), lay out clothes the night before, Back pack /briefcase by the door ready to go, Breakfast planned and pre prepped, Anything you can ready the evening before during your space zeroing routine. If you wake up on time you're cruising. If you wake up late (It happens) You're not as stressed.

[@KateKaden]

YASSSS!!!! Thank you!!!

[@Nikita-wh8wl]

I do all this! Thank you for sharing

[@rochellethundercloud346]

my frugal donts don't fall for advertisement,social media hype don't try to compare my life to,say,Kim Kardashian. don't buy cheap crap. don't buy just because it has pretty packaging,or a designer label. don't procrastinate.

[@jessshelton06]

Love it

[@anitaluevano9643]

Do you read? Can u share a favorite book.

[@KateKaden]

Oooh yes, I love to read! I love psychological thrillers for fun but I also read books like Atomic habits or essentialism that are so helpful!

[@anitaluevano9643]

Aaaaw thanks for replying i love to read everything I especially love true crime and autobiography and im getting into some fiance like im reading a dave Ramsey book called the total money makeover

[@jolynnhaymaker7831]

I keep making this same mistake and messes me up for the following month. I get a check once a month, but it arrives 4-5 days ahead in the bank. I start spending it then. Not any more..... Thank you for your great videos.

[@KateKaden]

You are so welcome! You've got this Jolynn!!! So happy to see you today! HAPPY FRUGAL FRIDAY!

[@aleshiawheeler9590]

We’re on a debt free journey right now ! Trying to build $1000 emergency fund !

[@KateKaden]

YASSSS!!!!! You can do it!!!

[@robingargano9920]

I love your extraness my sweet friend, it’s inspiring!!

[@KateKaden]

Thank you so much!

[@KateKaden]

LOVE YOU!

[@kamicrum4408]

NOOOO! Dont do it! Nooooooooooooo!no means no!

[@cobrafinancialsolutions1039]

Great video!

[@KateKaden]

Thank you so much!

[@tanyahodges9904]

SEROUS QUESTION???? If you use your credit card paying it off EVERY month IS IT STILL DEBT????? I’m COMPLETELY DEBT FREE INCLUDING MORTGAGE.... ??????

[@KateKaden]

I don’t see it as debt because it’s paid off every month. It doesn’t hold over over time. Congratulations on being debt free!!!

[@MariaGarcia-gj5ie]

Don't buy lunch!

[@smartypants1980]

Que the avrial levine song comlicated

[@KateKaden]

LOVE THAT SONG! And Avril!

[@smartypants1980]

@@KateKaden I feel like saying seem to like a lot of the same music

[@vixxcottage]

I went into Walmart yesterday because a neighbor told me the plastic outdoor chairs that are $30 this year were on clearance for $5. I needed some chairs so went to get a couple. I just went into garden center purchased just the chairs and left. I noticed most of the Walmart employees go to restaurant next door for breaks. I was thinking 🤔 wow so at least 1 hour per day closer to 2 hours daily to pay for lunch. It made me realize the true cost of eating out. How many hours does it take to earn that money? If make $15/hour then at least $5 for taxes and insurance removed from your check b4 you ever receive it. Meal costs $13-$15 and at least $20 for pizza. So may work 2 hours to pay for lunch. Is it worth it? Only the worker can decide.

[@KateKaden]

Thank you so so much for sharing with us Vicki!!! I'm so glad you're here!

[@stephendunn569]

Don't do it! Keep away from Ebay auctions!

[@lucymanglona4654]

Don’t do no more credit card

[@lindseyberrum]

"Don't do it!"

[@KateKaden]

YASS!

[@caitlinmichelehill4590]

B O O M 💥

[@KateKaden]

YASSS BOOOM!

[@paulacostello6912]

LMAO. I'm so glad someone agrees with me about "I deserve it". That attitude drives me so crazy. And you're right - it makes no sense. All it does is keep the person lying awake at night worrying about debt. Is THAT what they deserve?

[@thebestwillow]

Don't shop hungry.

[@KateKaden]

Yasss

[@lindseyberrum]

Our mortgage is my biggest worry. We went for 15 year mortgage and I wish we hadn't. But, I just keep thinking, it's not forever.

[@KateKaden]

I hear that! YASSS! I'm already imagining the feeling you will have when it's PAID OFF! AHHH!!! Exciting!

[@lynniel3266]

Don’t Do It! Great tips, Kate!

[@KateKaden]

Thank you so much Lynnie!

[@NancyMcInnis18708]

Don't do it! Been there; done that... never, ever again!... Love your approach and attitude! Thank you Kate!

[@KateKaden]

Thank you so much Nancy!