My Top Ten Favorite Money Saving Tips!!!!

[@MsArtistwannabe]

Cooking meals at home is a fabulous way to save money.

[@3TXSisters]

Absolutely!

[@christines2787]

@MsArtistwannabe - its also customizable. Way more flexibility in your diet when you know how to cook.

[@Joce123]

But visiting in Largo Fl I have no access to "cooking".. I am opting to choose pulled pork, pulled chicken or that kind of thing for protein. Bananas are cheap.I do have access to a microwave to nuke my sweet potatoes . I have access to a refrigerator for my salads... I am still able to eat for about $1.20 cents per meal and I usually only eat 1 meal a day I snack on frozen mixed vegetables the rest of the day... 50 cents a day

[@3TXSisters]

@Joce123 That's a healthy diet as well as frugal!

[@cathycombs414]

Yes When we go out for quite along time 3/4 hours We take a small cooler w lunch sandwich Ect Snacks & drinks No spending 👏🏻👏🏻

[@TheLongRunwithJoelandChristy]

Love it! Drinking water is the best one to me, because it’s both healthy and frugal! 👏

[@pamelasmith514]

Libraries are a wonderful resource. Ours offers books, magazines, DVDs, mifi, and CLASSES. i've learned so much.

[@pamelalyon3264]

Libraries are the best.

[@CentsibleLivingWithMoneyMom]

Fantastic

[@Smooshes786]

Ours has toys, tools, kitchen gear and science gear to borrow as well. Libraries are so great!

[@giddythings]

The library is a love language! ❤️

[@3TXSisters]

​@@giddythingsYes!

[@ceciliaperales8466]

My favorite budget book is my planner that I use on a daily basis. It keeps me in check 📒

[@cjhoward409]

I do the same. And now that it’s December… I’ve added up all our costs in 2024, and averaging them out per month to give me a better idea on budgeting for 2025. And where I can tweak things 😊

[@CentsibleLivingWithMoneyMom]

That's a great idea!

[@ceciliaperales8466]

@@cjhoward409 you are very smart !

[@3TXSisters]

That's great! ❤

[@Smooshes786]

Secret Santa can be even more fun if you hold a “re-gifting” or “like new” event instead. Our elementary school also takes donations like this so the little ones can shop for their family with whatever they have or don’t have money wise.

[@3TXSisters]

That's so nice!

[@pattywheat6568]

Reducing my trips to Costco saves me a lot of money. I have never been able to only purchase needed items at Costco. Your are doing fabulous with your weight loss❤

[@3TXSisters]

I had to give up my membership to Sam's. It was too overwhelming for me. When my husband went, he'd bring home so much random stuff!

[@CentsibleLivingWithMoneyMom]

You are so smart

[@Chnacatsnflr]

Always pay yourself first. Set up a realistic amount & put directly into savings. Instead of donating money to a charity, volunteer your time. Save your change and / or dollar bills & let them add up for a few weeks. You'll have a small fund for tight situations & you won't have to dip into savings. Make muffins for breakfast! Use whatever healthy, hearty ingredients you have on hand. A nutritious muffin & a piece of fruit make a great breakfast. Spread with peanut butter for extra protein 😋!

[@christines2787]

I keep homade instant oatmeal in a gallon glass jar. I grind a pound of quick oats into flour, add a pound of quick oats, a cup of powdered milk, a 3/4 cup of dry sweetner, usually turbinado sugar, raisins and walnuts to a gallon glass jar. Roll it on the counter top to mix amd all we have to do is scoop out a half cup and add hot water.

[@penelopeprimrose90]

@@christines2787 Sounds good. I'm going to try this. Thank you!

[@CentsibleLivingWithMoneyMom]

Love this

[@3TXSisters]

​@christines2787 Great idea!

[@Pope-A-Dope]

I used to be a “yard guy.” I offered a small hometown service. Lawns mowed, hedges trimmed, beds mulched. Simple and easy. I had a website with online billing. Many of my customers paid with a credit card. I’d run city lots for $40 for a mow, trim, and blow. I would constantly do city lawn after city lawn-racking up 7-8 a day before going to work for 8 hours! Running a side-business like this can make you a lot of money. The easier you make it for a customer the more your business will grow! I wasn’t the cheapest, but because I had online billing and took credit/debit cards I had a large customer base. I also accepted checks, money orders, cash, bartered items, food, tools, and most anything else of value. My little lawn business went from an old pickup truck to 3 new trucks, two enclosed trailers, one flat trailer, several zero turns, a walk behind, and numerous Stihl tools and other items. It even paid for a brand new Amish shed at my house to store the stuff. All paid for by customers!

[@CentsibleLivingWithMoneyMom]

How wonderful

[@Sheryl777]

I think there are a lot of people who do watch their expenses and income closely, but there are also a lot of people who don't, either because it's too much of a burden (they think) or because they'd just rather be doing other things with their time I'm guessing. I'm one of the people who watches my money (incoming and outgoing) pretty closely, because to me it's so important to do so. I realize not all others may feel the same way as I do about that though.

[@3TXSisters]

I think that's smart.

[@Sheryl777]

@@3TXSisters ❤

[@deborahcope5879]

I love the library I use the free anscersty found a picture of my great grandmother

[@CentsibleLivingWithMoneyMom]

That's wonderful!

[@deborahcope5879]

@CentsibleLivingWithMoneyMom it was wonderful Dad talked about her but in later years couldn't remember her name trouble with the south there real name is different than what's on pape r

[@3TXSisters]

Wow! How wonderful!

[@Bitbit3427]

I used to do cash envelopes all the time I stopped because I had a big expense and I had to really budget my money but in 2025 I’m going back to cash envelopes and make one for certain items like gas drugs, doctors and vet. it was really good when I did it. It stopped me from spending money just because I had so when I looked at my checking account I would say oh no, I can’t go there because that money‘s got to go for all these other bills, so thank you for reminding me of cash envelope because they really did help me. I love all your helpful hints. You’re a great person.❤❤❤❤❤

[@CentsibleLivingWithMoneyMom]

You are so kind

[@janledoux8157]

Great video close to the end of the year. Im not having money issues but I would like to get better control of everything in my life including finances. Thanks!

[@3TXSisters]

I want the same!

[@3TXSisters]

Excellent tips! My favorite point you make is about personal finance being personal. I love that you are not judgemental. I think that on some frugality-based channels, there seems to be a contest for King or Queen Frugal. The comments on your videos are always helpful. We're all at different stages of finance and certainly different stages of life. I appreciate the sense of community you've encouraged on your channel. Love to all, Linda 💕

[@CentsibleLivingWithMoneyMom]

Thank you so much for your kind words!

[@SmilingBeaver-ou7nc]

Great saving money tips. Thanks Money Mom. Have a wonderful Friday everyone ⛄

[@CentsibleLivingWithMoneyMom]

Enjoy your Friday!

[@Pope-A-Dope]

MONEY MOMMY! Wooo 🎉 💰 💰 💵 💸

[@arthurmantzouris4413]

Hi Dawn. I do too use the envelope method....and the zero based budget as well...which has helped me to save for my car...😅😅😅😊😊😊

[@CentsibleLivingWithMoneyMom]

Love that!

[@3TXSisters]

Excellent!

[@GrannyLinn]

Good tips as always!

[@CentsibleLivingWithMoneyMom]

Glad you like them!

[@debbie1483]

You channel name says it all. You are so centsible! I need your will power!

[@CentsibleLivingWithMoneyMom]

Thank you so much!

[@coffeecupconversations]

The library is on my bucket list for next year. My best tip is challenge yourself to spend less, spend better or not at all.

[@3TXSisters]

Excellent advice!

[@CentsibleLivingWithMoneyMom]

I love that idea!

[@kerryjames6312]

Learning to say no stop people pleasing❤

[@CentsibleLivingWithMoneyMom]

Oh yeah

[@bria2596]

I pack food, and fill two thermoses with tea and coffee, if I am going to be driving a long distance. Stay away from online shopping - If I don't see it, I won't buy "it". I have a list, I go into the grocery story, grab my items, pay, and leave - I avoid the "fun" areas of the store. Laughing at myself, because you and I know there will be things in the fun aisles that will be tempting. I don't go there. It saves me mental pain as well as money. Have a wonderful December, dear humans. All of your efforts will pay off ... eventually, and you will be SO very happy you made the sacrifices and kept things real. Good for you!

[@CentsibleLivingWithMoneyMom]

You've got a great system!

[@3TXSisters]

Great way to shop!

[@kerryjames6312]

Your right they don't pay my bills they have no right to tell me how to spend my money

[@cjhoward409]

Was in town today. Saw OLD beat up looking vehicles in the McDonald’s drive thru. Now, I don’t know any of those folks but I’ll bet they think they can’t save up for a newer car or new tires but don’t realize how much eating out at junk food McDonald’s cost ! Yikes ! We came home and I made eggs for us. And I’m sipping on a healthy hot toddy tea. It has ACV, ginger, turmeric and lemon in it. Great for digestion and liver cleansing.

[@lynnhensley4326]

No more McDonald's. Can't stand their food. Rarely get fast food.

[@penelopeprimrose90]

Some of those people driving old cars might actually be frugal millionaires! Of course, those people probably don't eat at McDonald's though. But there are many people who purposely drive old clunkers even though they could afford a brand new car!

[@silentnot4812]

⁠@@penelopeprimrose90You would be correct. I have a 2008 Honda and a 2014 VW. I don’t need new cars yet. Both are maintained and low mileage cars purchased new.

[@penelopeprimrose90]

@@silentnot4812 Ours are 2006 and 2007! Still great cars. Both Toyotas. They don't look bad, but people would probably assume we can't afford newer cars. They would be assuming wrong.

[@allisonmodaff5635]

Warren Buffet eats at McDonald’s! LOL.

[@Semi-MinimalistAn]

Cash only is my favorite. I hate using debit cards because then you have to subtract from your bank account. Cash skips that step. The only time I love using the debit card is when I'm getting gas and I have 2 or 3 babies in the car. Debit card at the pump eliminates having to unbuckle the babies and bring them inside, which is so stressful. I have no side hustles. I try to drink mostly water. I hardly ever go to the library anymore. When I was working, I'd pass by a library to or from work, and I could stop or drop off books in the drop box. But now I'm not going out as much, and I don't want to make special trips. Plus, it now takes me longer to read a book, because I have less time to read, so I'm afraid I won't finish the book in time. I know, you can re-check out books. But I'm afraid I'll forget, because my life is more stressful now & has more moving parts. So I buy the books I read. Also, I have a fear of paper books not being available soon, as fast as technology moves, so I want paper books for my descendants. I guess I'm a book prepper.

[@MelissaLuvsHens]

I luv your moniker

[@Semi-MinimalistAn]

@MelissaLuvsHens Thank you!

[@CentsibleLivingWithMoneyMom]

Very smart

[@kerryjames6312]

I will be using cash for groceries and prioritise

[@jenlown4640]

Great tips on cooking lots ahead for meal planning

[@CentsibleLivingWithMoneyMom]

I am glad you found it helpful!

[@RuthParsil]

I drive a 2010 Honda Civic. Insurance is lower on an older car.

[@karendjohn8803]

Not in the state I live in. One of our cars is a 2010. We are paying just as much as our more newer car. When I called to ask why, I was told because it’s older & expensive to fix or replace. Even though we aren’t even carrying collision on the older car. 🤷‍♀️

[@kerryjames6312]

Will be placed out door shutters on most windows to keep heat out in summer so stopping hotel rooms to get out of the heat ❤❤

[@CentsibleLivingWithMoneyMom]

That’s a great idea!

[@EsterHorbach-it9tb]

I have to admit I love fast food, almost every kind of. Because of health issues I had to change my ways. Yesterday I stopped outside of McDonald's and saw the current prize of a small French fries, 2,99. That's ridiculous. Maybe I'm not cured from the liking, but the prizes do.

[@CentsibleLivingWithMoneyMom]

I love the smell

[@kerryjames6312]

I will try have savings as a bill

[@Wanderful1]

Brilliant Dawn! Super sensible. 🙏✌😎😍

[@Shettikka-s9v]

That's what I do,it helps 😂 cash stuffing envelope❤

[@karendjohn8803]

Good video Dawn! I love my library too. I am so fortunate to have a library that offers a lot of programs, activities, etc, besides books. (Even though books are my main interest).

[@CentsibleLivingWithMoneyMom]

I am so glad you are making use of your library’s resources!

[@3TXSisters]

That's wonderful!

[@VerucaPumpkin]

Money Mom! you should talk more about not having a debit card! one of my accounts is like this.

[@CentsibleLivingWithMoneyMom]

Will do

[@kerryjames6312]

Hellow lovely lots of love from koalas here in Australia ❤❤😂

[@CentsibleLivingWithMoneyMom]

Thanks! I love koalas, too!

[@Chutney1luv]

Dawn, what fantastic advice! I'm working on not using my charges.Though I pay them off to avoid paying the interest before their due date. I keep getting coupons and discount codes for using them! I do carry cash for emergencies! I make my list now, so it's easy to grocery shop! I love banana bread and would have to have more than one slice! Probable 3. Freezing would be an excellent idea! It never lasted long in my home! I love the part about not comparing my financial journey to another person's! Until next time! ✨️☝️😄✨️😇✨️🎄✨️🙏🏼💛💙💚❤️

[@3TXSisters]

I love banana bread, too. I need a good recipe for it and pumpkin bread.

[@CentsibleLivingWithMoneyMom]

Thank you for the thoughtful comment

[@kerryjames6312]

Reassess re evaluate our budget

[@CentsibleLivingWithMoneyMom]

Perfect

[@cw3166]

May I ask how I might become a Mystery Shopper Phone Call Representative? Also, are the Bento boxes linked? Thank you!

[@CentsibleLivingWithMoneyMom]

Sure. Email me. I do have the Bento boxes in my Amazon store. There is no obligation to purchase anything

[@Jazzatic2011]

Canadian here, and always been confused by the credit debit system in the USA. When you say you don’t have a debit card does that mean you don’t have a bank card or are those separate? Cause in Canada a bank card is your debit and the credit card is your credit card you always have to pay off. Just confused cause it seems like you guys have 3 different cards over there.

[@CentsibleLivingWithMoneyMom]

It is separate.

[@1inabazillion]

how many days do you typically allow the premade meals to stay in the fridge? i have some made for my son who works mid shift at a state prison and i don't want them to linger too long.

[@CentsibleLivingWithMoneyMom]

A week

[@kerryjames6312]

I received free large chicken from butcher will put in oven then individual meal prep liable in freezer

[@CentsibleLivingWithMoneyMom]

Sounds delicious!

[@marylynch2510]

❤

[@bethbeckermeyer1732]

👍👍👍

[@christines2787]

Daughter graduated from college in May. She got her very first job a week later. She has a strong work ethic from dog shows, jrotc and volunteering. Thing is, she had never earned a paycheck and only had her small allowance. We are teaching her how to handle larger sums of money. We have a plan to pay off her student loans. She puts 10% into her savings, and the rest towards her loans, keepiny $25 a week for gaa and personal needs. She's free to live with us for the rest of her life if that is what she wants under the condition, she doesn't have cc debt. Our guess is she will be hime 5 years

[@CentsibleLivingWithMoneyMom]

Congratulations

[@3TXSisters]

It's wonderful you're teaching your daughter to budget!

[@rickinmo6837]

❤❤❤❤❤❤

[@HomesteadingRetirement]

My favorite are: ➡1.25 Dryer Balls from Dollartree. Basically plastic/rubber balls with spikes Clothes dry much faster now. ➡Save $80 a month charging my car while at work.The tipping point to realize I needed to be a Caregiver instead of my $22.50 per hour job. I charge $22.50 for Caregiving but sleep 9+ hrs of each 24 hr shift and gain that $80 charging value. ➡ Organic Tumeric Powder mixed w/Baking soda as toothpaste. Healthier than toothpaste and my teeth remain not bright, but not dull due to excessive coffee use. Tumeric is a natural teeth whitener AND Superfood so I swallow some ➡ Grow sprouts from seed at home on my window seal. Saves about $50-$60 a month for our family of 3.

[@pamelalyon3264]

Thanks for the tips. I may give them a try.

[@CentsibleLivingWithMoneyMom]

Love it

[@madelynej9337]

I use wool dryer balls ... much easier on clothes than the spiked balls.

[@christines2787]

Turmeric grows nicely in a pot too.

[@HomesteadingRetirement]

@@pamelalyon3264 Sure!