10 Overlooked Expenses That Will Wreck Your Budget

When you set up a budget, it’s easy to remember to account for recurring bills like rent, utilities, and groceries, but … there are other expenses that often slip through the cracks and catch us off guard when they inevitably arise.
In this video we reveal silent budget killers that can throw off your budget.
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We're Hope and Larry and we love practical frugality. We raised our four sons, debt-free, including paying cash for our home when our income was well under the national average. For tips on saving money, budgeting, paying off debt, and setting goals (while living with a spirit of joy and abundance), subscribe to us here on KZbin and visit us at our website and on social media.
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[@simonefeaster5131]

Hope and Larry, you have made me so much more aware of food waste and I am so grateful! My food budget has decreased by 35% and we are still eating healthfully and deliciously. I love your focus on joyful frugality. Thank you both for your tips and encouragement. They are life changing.

[@DGUTUBE]

Nice hair, Hope. Ahhhh!!! Enjoy the wedding!!!!

[@winterwoodcottage3657]

We homeschool with a Waldorf curriculum. I nearly had heart failure when I saw that we would need block crayons for $36. It hurt deep to buy those 16 colors but I'm glad I did. Seven years into our homeschool journey we still have the original crayons,we still use them everyday, non are broken or missing and we value them, which is a lesson in itself.

[@user-gs3fm2rh3j]

The first year after my spouse passed I also had to replace an old refrigerator, our car, our roof and some other appliances that all hit one after the other, as if I wasn’t already on overwhelm. But I found blessing in the things we had already discussed and were at least works in progress. When crisis hits it is hard to think, but what you have in practice or already discussed is more auto pilot where your brain otherwise is occupied. Spiritually and practically.

[@readyornot316]

Working from home has saved us so much money. Not only the savings on office parties and gifts, but gas and car insurance costs went down. We even noticed costs savings for work clothes and lunches.

[@user-gs3fm2rh3j]

Condolence funds to someone widowed is also a big deal, and usually unexpected. Those that did this for me was so helpful, and last year and a couple of years ago I had several dear friends who also became widowed and it was so nice to bless them at their unexpected loss and time of grief.

[@Joce123]

The scary thing me is that within the last week. 4 of my friends have been diagnosed with cancer. Thyroid, pancreatic stage 4, ling..strokes...

[@Joce123]

Watching them die is grueling. One lives in a state where when 2 doctors concur about the terminal state she can choose to die peacefully..non of this painful absurd "battling cancer" statement...

[@soleilwhitton6397]

@@Joce123 Oh dear

[@soleilwhitton6397]

I never thought about that. Unfortunately, a lot of people don't have life insurance so families have to pay for a basic funeral. and it is not cheap.

[@Joce123]

​@soleilwhitton6397 Heard on a radio station in western Minnesota..A funeral home was advertising for people to have funerals because there has been a downturn in their business. Walmart overnights a casket for under $1,000.Taking a page from Covud19 days people are doing a graveside ceremony- cheaper than cremation..many people donate their bodies to the local large teaching hospitals

[@ParkDari]

To me the best baby shower gift is a case of baby wipes, or I will make a diaper cake. Our whole extended family decided years ago that each family would give a single homemade preferably consumable item worth less than $20 to each family for Christmas. My favorite was to make a homemade meat rub for chicken, pork or beef. Bulk spices are very affordable and I would save all our empty spice jars to fill them. We don’t give toys for cousins birthdays. We would give a $25 check for their college fund. Our kid’s school requested a reasonable flat fee for supplies that then they would purchase in bulk at a deep discount and every kid received exactly the supplies they needed. We loved never having to track down the supplies and they were cheaper than us buying them ourselves. I wish all schools would do this for parents.

[@FrancisMagdalen-ve5ko]

Funerals can catch you off guard. Whether you're responsible for its cost or just sending flowers.

[@cindypatrick785]

My daddy just passed away in March. Daddy made it so easy for me, his oldest daughter/ successor of his trust, by setting up his cremation plan 7 yrs ago. We paid $100 down and locked in a price that would not increase and the balance to be paid by his estate. Just paid his total bill, including 10 certified death certificates) $1188.50. Thank you daddy🥹 10:16

[@melindastookey3831]

I was glad my Dad had paid for his, I only had to pay the ground opening fee for his funeral. I've been trying for years to get my mom to be prepared but she's dragging her feet so I know my husband and I will be responsible for her funeral cost just as we were when his mom passed away years ago, it's a responsibility we have planned for

[@cma250]

I have been trying to put together a longer-term budget. Thought I had it all worked out until I remembered the Funeral plan....it'll have to wait until I've saved enough to replace my car in 2-3 yrs but at least it's in the long-term plan (now)...

[@Joce123]

Funerals ..how so? Your personal family members..term life ins or donating body to science?

[@deborahcaldwell9775]

Or taking the time and energy and money to travel to the funeral

[@GGsGarden]

This year, I did my first written budget in a long time. I had to laugh at myself when I got my hair cut a few weeks back and realized hair cut did not fit any category. 😂 I made adjustments and expect to adjust again a few times as things change.

[@kaycure8629]

I see envelope stuffers call it BEAUTY. Make up, haircuts, mani pedis. Things like that.

[@sjbutler2330]

So true but being retired and single on a fixed income, I find that I have to forgo a lot of the extra costs and focus on JUST the main ones that I can afford to do. Christmas, birthdays, holiday meals small things. I can't like some people grab money out of the sky! Do I feel guilty, yes sometimes wishing my money could stretch further. But I try my best. 💙

[@Joce123]

You sound like such a kind person to do what you can do.

[@lindadorman2869]

When I subscribe to any service or have a recurring expense, I add it to my online calendar. I create a "task" 3 days before the renewal date as a reminder to cancel the charge if I'm not sure I want to renew. That way, it pops up on my screen and I can decide if I want to keep the subscription or not.

[@Judith-b3t]

Excellent.

[@cathyphillips679]

Because of you, Hope, and Larry, I started sinking funds last year. So this year, when I have to replace the tires on the car and the eyeglasses on my face, the money is in the bank! I have also redone my budget to include an amount for giving each month. Your advice has been very valuable. Thank you!

[@Curious-Lass]

I agree Hope and Larry! Insurance is my number highest expense!

[@creativevanspace]

Your practical guidance takes the stress out of financial literacy, planning, and budgeting. I am so blessed by your videos.

[@megantalbert6602]

For lunches, our state does not offer free lunch for students. I have my first grader bring their lunch 4 days a week and pick 1 day a week to eat lunch at school. Saves money but also allows them to participate with peers and have hot lunch when wanted! I also get to control what foods they get the majority of the week and can see what is eaten/how much etc.

[@doreenmaxwell7370]

During the summer, stores like Walmart and Target have amazing sales on school supplies!

[@catherinekostecki5740]

Number 10 was the killer for me insurance is so expensive nowadays and hope your hair looks so beautiful❤

[@madisonm.2969]

Anybody else consider these two your internet mom and dad? Thanks, yall. I got some great ideas from this video!

[@SpatchG]

Great list, I do overlook some of these. Love the bags Delaney makes, very clever.

[@leannejayne3545]

Love your new hair & nails Hope! You look beautiful xx

[@olabisiolatunji8448]

19:24

[@apriljohnson6191]

I would love to see a video on gift budgets. I can easily see over giving due to emotion. (I find that money and emotions don't mix well.). Thank you for these awesome ideas.

[@rochellethundercloud346]

How many people are you buying gifts for? What can you afford to spend per person? That's it. Once you reach that limit you are done,period

[@rochellethundercloud346]

Always ask what you are actually paying for. What is covered. If doing any repairs,hire licensed and bonded contractors. Mechanics,go independent shop,not a dealership, because they charge insane amounts. Buying a vehicle, always have an independent mechanic go over the vehicle before you purchase. It will save you a lot of grief

[@stop08it]

YNAB has really helped me with this concept and way of budgeting

[@PowerfulMoneyHabits]

One of the best things I did was buying a black and white only printer. I did that for my office too. A lot cheaper than color cartridges! It has saved me soooo much money!

[@samanthabuss2984]

I love Jesus and am so blessed by your wisdom

[@LAnnMcK]

I budget starting in June for school supplies in August. I was surprised how expensive it was for my kids to do cross country in middle and high school. The high school coach was specific about snacks for the kids to eat and drink also. Many of the meets required a parking fee also. Another expense is spring time plants and mulch, this surprises me every year that I forget to budget for. I agree that medical expenses can take you by surprise too. I was surprised after having surgery this year how much I had to pay for lab fees. I didn't realize that I would have to pay for multiple lab fees.

[@dawncierelli1510]

hope, first of all your hair looks awesome!!😊secondlyguysthe video is so awesomethank you and God bless you

[@guadalupecisneros2457]

I look out for clearance on school supplies; after the month of September I start looking for deals for next year . I also threw out the year buy items I can gift 🎁 for birthdays 🎂 or Christmas 🎄

[@DW...]

Thank u for this important information‼️ Hair & nails look pretty Hope♥️

[@jenniferschmitt7938]

Hope, your hair looks great!!

[@CentsibleLivingWithMoneyMom]

Hope, your hair looks lovely. The Easter meal looks healthy and delicious.

[@alexsc2419]

I am an elementary schoolteacher at a low income area. Maybe a fourth of my students brought in supplies and I have purchased supplies for the remainder of the school year. One thing I have learned is that even in our small community, there are a lot of community resources that offer free school supplies. I will make sure I am advertising to parents on back to school night and on the school website times and locations. We also have a resource in my area of a foundation who provides free supplies for teachers who work in title one schools. I try to use that resource as much as possibleto cut down on the things I actually have to pay for. I would also recommend that parents ask the teacher what supplies they really need. I could get by without notebooks in the class, but students have to have pencils.

[@angelabyrd2131]

Thank you for all the informational video's that you post. I appreciate all the helpful tips you provide in addition to the emails I receive. Also, I love your haircut - beautiful!

[@CloieBrevik]

Your hair looks great! Thanks for all the information you share on your channel.

[@pjlacey3990]

Good list. For those of us with pets, there is another place where we might blow the budget. Yearly check-ups and vaccinations, flea and tick prevention, and heaven forbid, emergency trips to the vet. A sinking fund is a must!

[@pennyhexter3475]

Often those auto renew things are often easy to sign up for but really hard to cancel

[@kallistoindrani5689]

So true. I just had to click one button to add something to my digital tv pack, but I had to actually call them up to remove it again, eventhought there was also a button on their side that said 'unsubscribe'. Turns out that just didn't work online and you had to call them. I guess they hope people don't want to bother with the extra step of calling in.

[@LaManteca76]

There was an unsubscribe button to cancel my music app. However when I pressed it, it sent me to an online person to "help" me through the process. I told them several times I wanted to cancel while they ignored me & tried to convince me to stay. It took over 30mins before they finally cancelled my subscription!

[@stowie7733]

Back to school expenses…I have two grandsons that are in school. I have worked in conjunction with their other Grandmother and together we take our grandsons, along with the list and do the “school supplies” shopping each year. We also take the boys to lunch. It is the extra thing we can do each year to help the parents. Thankfully there are no uniforms!! PS Funds to pay for this excursion is part of my emergency funds budget.

[@bdaniwithpeople]

Mrs. Hope and Mr. Larry, is there any way you can touch more on giving? I just can't wrap my head around it while trying to pay off debt, but I want to understand your mindset more!

[@kathleendoud]

❤💐 Always love your budget talks and Hope love your hair and nails

[@truthseeker6370]

Excellent points to be considered and budgeted for!

[@misssocialdeb3777]

Really like your hair Hope! I buy third party ink for my printer. I buy at Amazon, done it for years. So much less cost and huge savings.

[@thetaekwondoe3887]

No family that's close by, and no friends, and one doesn't have to worry about "hosting" expenses.

[@Mrsmadison45]

We have a special fund for 6 months premiums for Auto Insurance. The Property Taxes are Spring and Fall for our Retirement Ranch, and Homeowners Insurance.....Annual.....❤

[@lizlandweher4939]

Insurances and taxes are brutal!

[@hollynelson543]

Love the hair cut Hope.

[@singerjo5791]

We have started keeping petty cash for incidentals like blessing a grandson who helps load firewood.

[@jillpruett4772]

Insurance should only be for losses that you cannot pay for yourself. Never forget that insurance premiums must cover the cost of all claims, plus sales and marketing costs, and administrative costs. If you can regularly save enough to cover a kind of loss, you do not need insurance. You only need insurance for the costs you cannot bear, and for the negotiating power of the insurer. I cancelled my medigap coverage and save the cost of the premium in a sinking fund. When I have bills I use the sinking fund.

[@DeniseCornett-j7v]

Did you get your hair cut again, Hope? Your hair & nails look nice!

[@kimberlymaclean9114]

Auto tags due yearly also.

[@marykincaid7477]

Hi Larry and Hooe love ur show amazing things u can say e money on thank u u amazing couple god bless 😮😮

[@CharleneEvenson]

Hope, your hair looks very nice.

[@M_SC]

I’m going to guess dentist and eyeglasses for 1 and 2 we will see what you say

[@carmenjackson774]

I have a question..if you know ahead of time that your child is going on a school trip and that includes one meal that they will stop and purchase- say McDonald’s- or some sort of quick meal place. Do you allow them to purchase a meal or do you have them take lunch? I know your kids were not in public school but hypothetically if they were.

[@UndertheMedian]

Interesting that you should ask this. Just last night, Larry handed Phil $12 to go out to eat with his friends after their jazz concert. Phil works and has his own eating out budget (which he tracks in Every Dollar), but Larry wanted to treat him. When it's a special occasion, we definitely handed over a few dollars for our kids to get lunch.

[@carmenjackson774]

@@UndertheMedian 😊 that’s awesome. I was just curious. 😁

[@loydacoulombe1397]

Not trying to be a Debbie Downer butttt.... We are of the age where we are attending funerals. That is another expense to consider. Travel, food, gas, hotel....

[@Corinna_Schuett_GER]

Why would you do THAT as a Christian? Either the person buried is saved by Grace (born again John 3:3) or not. Either way, it doesn't matter if you attend, they wouldn't talk to you. It's just the BODY. 🙏❤️

[@LauraMacMillan-el2kc]

Christians generally think it appropriate to support the loved ones of the deceased as they go through the worst of their intense shock and grief. That’s why.

[@Corinna_Schuett_GER]

@@LauraMacMillan-el2kc They should have preached the gospel to these "loved ones" way before anyone dies. THAT is REAL Christian love! And if it is a real Christian funeral (meaning the deceased person was saved) there is in fact no reason for grief because they are WITH CHRIST which is far better! And their loved ones will be comforted and supported by GOD on earth too! So in conclusion, when somebody would NEED TO attend a funeral (just for the reason of communion with the family) and has no means to go there financially then a TRUE Christian would offer them money to buy gas, hotel etc. too. There's no other way I see it. 🙏❤️

[@creditczar6979]

Amazon has some GREAT ink prices, especially if you are willing to adopt a genetic brand!

[@verabrunobossio2857]

Funerals...

[@phoenixrising3629]

What's your thoughts on life insurance?

[@Corinna_Schuett_GER]

JESUS CHRIST is mine, eternally. 😉🙏

[@GM-jv9jz]

At 62 and a 10yr christian I dont do gifts because the holidays are man made and most are pagan.

[@rochellethundercloud346]

Lifestyle creep Trying to live way above your means Keeping up with the Joneses Not planning for emergencies

[@thecontentedhome9167]

Your haircut makes you look years younger.

[@sylviaskinner6849]

It’s very refreshing for someone to say that they take out 10% off the top for their tithes. Congratulations on your son’s marriage. Can we please see a picture sometime. God bless you all. Thanks for your tips.

[@DebraMorris-q6r]

Don’t forget… you may have to pay a tax bill?? Surprise 😮

[@judithscharf6318]

I learned early on there is no such thing as an unexpected expense. Everything has to be serviced, repaired, and eventually replaced. If I get a new car or refrigerator, I immediately start saving for the next one. There will always be money spent on birthday, graduation, wedding and baby gifts. You will be sending flowers to funerals, or buying food. Someone at work will be retiring. The list goes on and on.

[@gballmaier]

I agree, but I also have to admit that I am a freak about taking good care of everything I own, especially things I use every day. Especially my tools and car. I have tools, well I'm 62, abs still have working power tools that I got in hight school back in the 80's. The hats part is getting my wife and children to do the same. LIKE WIPING DOWN THE KITCHEN SINK AND FAUCET AFTER EVERY USE TO PREVENT CORROSION FROM CRAPPY WATER- LINE SCALE, AND MINERALS THAT DESTROYS ALL FAUCET AND COUNTRY TOP MATERIALS. MY SECRET WEAPON, I PRAY EVERY DAY AS I USE WHATEVER IT IS I'M USING THAT GOD WILL KEEP THEM- WORKING AND WORKING, AND WORKING. 😊 ABS HE DOES. BLESS YOU

[@myaccount9498]

Yes & the endless "bring a plate" to church events & other social events. A plate of sharing food doesn't doesn't drop out of the sky!

[@gballmaier]

@@myaccount9498 God will always provide on those times you way to bless someone else. 🙏 Give God a chance to prove Himself real to you, ah He makes all things possible because of your kind heart. 😇 bless you!

[@myaccount9498]

@@gballmaier God is a wonderful provider, I agree 👍

[@shaunaleessnackidies]

Yes!

[@gaelenoconnell-bidabadi]

Your hair looks beautiful, Hope!

[@lindacgrace2973]

Always examine the bills in detail! I battled my insurance company for months because of a charge for circumcision for my newborn. {ahem} My newborn DAUGHTER! 🤣 I finally resorted to taking a photo of her without a diaper on the changing table and demanded to know why they were inflicting female genital mutilation without my knowledge or consent! They finally, reluctantly, removed the charge.

[@RebeccaHewitt-ni1mg]

😅

[@myaccount9498]

That's unbelievable! Good on u for fighting them

[@lindacgrace2973]

@@myaccount9498 It was deeply annoying at the time, but wildly funny in retrospect.

[@UndertheMedian]

That gave me my belly laugh for the day. Oh my goodness! Well, you put them in their place. Although it had to be secretly a little more than satisfying to do so, what a pain in the BUTT that they couldn't read a chart that said, "Female" and remove the charge the FIRST time you asked them to do so. They don't hand out college degrees any more for common sense.

[@lindacgrace2973]

@@UndertheMedian So true!

[@lj2070]

I have an under the average income but have a rainy-day sinking fund and a sinking gift fund for birthdays and christmas, and I am saving for a cheaper house in cash it's a three-year plan, so a separate account for that as well. I am only adding small amounts with each payday. It's a slow plan but working

[@carolynm9798]

That ache at night, Hope, is healing process. When done, no pain. I pray it lessens.

[@reece6771]

I couldn't afford the copay for physical therapy for as long and as many times they wanted me to go. So I went to one and asked them to just show me what to do.They also printed out the exercises.

[@LorettaNance]

Sinking funds have been a game changer for me. Especially where my car is concerned. There is money for the expected expenses and a cushion for repairs.

[@soleilwhitton6397]

I have a sinking fund for car insurance, car maintenance and car registration. I need to start a car replacement fund.

[@lifewithklc]

A VERY timely vid. My April budget might be blown because i totally forgot my annual renewal of LifeLock, and Amazon Prime this month. 🤦🏾‍♀️I’m seriously considering letting one or both go. If I keep either/both I’m starting sinking funds for them. EDIT: I dropped LifeLock because unbeknownst to me, and thanks to my fave co-worker, I found out my AAA membership offers ID theft/credit monitoring service for free!🎉🎉

[@creditczar6979]

I am with Hope..... fundraisers are a pet peeve. And I prefer to donate funds for what the group would receive from the product sale. Why should I pay an inflated price for something I probably don't need and usually don't want.

[@sallyprzybil2404]

I’m buying a house soon, closing in May, I’m planning on keeping a ‘house fund’ besides my emergency fund. The purpose of the ‘house fund’ is for all routine things, repairs. One financial podcast I listened to said to keep 3% the total value of the house yearly in the ‘house fund’ . So on a $300,000 value house that’s $9,000.

[@hmschoolheidi]

Every summer a couple weeks before school starts, Alabama has a tax free weekend on school supplies, including computers.

[@malissachavira1412]

Same in New Mexico.

[@Nwakaego_]

Texas has this too and it’s so nice.🥰

[@hollynauss6359]

Insurances, oh my! Hubby has had good ins through his employer. He is retiring this summer. Between home, cars, my & our college sons' coverage and soon hubbys medicare + a medigap + part D drug plan, we will be paying more than 50% of our total budget for insurances!!! Here in the USA it is insane what seniors pay for health care!! Definitely did not anticipate that expense.😢

[@chrislear6676]

Because of inflation we''ve had to increase the $ that go to our sinking funds - roof, appliances, auto and home maintenance and insurance, etc. The funds had to come from elsewhere - tough but we found areas we could cut thanks in great part to your advice. We also discovered some of our funds were fully funded so we were able to switch that money to other funds. Budgets are work but so valuable.

[@mycharles3340]

Its so easy to be frugal when you dont have any friends or family. 😊

[@donnalindsey611]

🌻🌷🎂

[@Joce123]

It is harder to make friends with so many remote jobs..and some covid29/flu issues

[@a.edwards8318]

I just got paroled from 16 months of physical therapy at $50 a pop twice a week. I truly needed it though but am so glad not to be paying that co-pay any longer.

[@LauraMacMillan-el2kc]

“Paroled” 😂

[@sallyprzybil2404]

Sometimes schools offer a package of school supplies that you can buy. I find School Supplies frustrating, more than once I have purchased School Supplies for my child trying to buy good quality supplies for the child, then I sent the supplies to school with my child. I expected the supplies I purchased to be used on my own child, occasionally I labeled every item. But it seems the teachers just put the supplies in a general basket and redistribute them throughout all the students of the class. Sometimes my child came home with supplies of less quality than the ones I had sent to school for her. I find it frustrating that the items I buy for my child are not used for her.

[@marshabryant9429]

That was a frustration to me also when my children were in school, then when my grandchildren went to school the list of supplies got even longer. Now I have great grandchildren in school and it is ridiculous. Teachers want so many different supplies which most never get used. The public is asked to donate school supplies and I get that because it can run up to over 50 dollars for just one child. Amazingly when I went to school we needed notebook paper, pencils and pens and produced great doctors, lawyers, teachers nurses, etc.

[@pennyhexter3475]

It's called creating a community. I also bought better quality as well as extra for others. I am lucky enough to be able to do more. Also teachers often have 25 kids. Do we want them spending thier time on tracking whi is using who's crayons

[@sallyprzybil2404]

@@pennyhexter3475 I have no problem donating extra supplies for a ‘group’ of supplies to be used between all kids. And maybe it’s an old fashioned idea because my ( purchased for me) school supplies as a kid were for me only. My parents struggled to get together money to buy school supplies for me. You may call it ‘creating community’ and I may call it ‘socialism, or too close to socialism’.

[@singerjo5791]

I worked in an elementary school. They have tons of extra supplies. I think they do not audit the supplies list.

[@Joce123]

​@@pennyhexter3475Buy more generic school supplies if it is frustrating

[@carmenguerrero8679]

Senior students have prom and graduation parties!!😁

[@michelleraney3577]

And senior trips! 😮

[@loriwidener7342]

Don't forget about pet expenses. Keeping them up to date on vaccinations, heartworm, and flea meds isn't cheap. I made a sinking fund for plants as well as my weakness (books). I try to wait until they are available at the library, but sometimes i just can't do it. Ebooks are easier for me. There are really very few truly unexpected expenses. Cars are going to need tires and roofs are going to need to be replaced. Great video.

[@rochellethundercloud346]

See if you have any free book bins in your area. This is how I get my books. Also,garage sale,rummage sale,thrift stores,book fairs,etc. If you live in the Edgewater area, I can give you books,free. Mostly mysteries

[@ungarischfsikurs743]

Oh yes, pets can be so expensive! I normally budget 1500 € a year for extraordinary pet stuff like the vet or meds. Normally it's not this much. But this year I already paid 1240 € on the vet for one cat alone. She has a mystery illness and the tests are crazy expensive. (1500 € is nearly a whole netto paycheck for me because I don't have a very high salary.)

[@myaccount9498]

Your video made me realise I haven't budgeted for every category of possible expenses! I just did my quarterly summary of what I saved & where my money was spent. I was so proud of myself - til I saw this video. Its very hard squeezing more categories into an already tight budget!

[@heavenjournals]

Anual things are split in 12 in my budget, it's so much easy. Medic expensives are very important. We need to save for that.

[@rileyj5491]

Would oh be willing to make a video on your income solely from KZbin, and how that has affected our finances as a whole?

[@rileyj5491]

Your**

[@Shantelle6253]

❤ing the new summer length hair Hope!

[@lindawilson8434]

It could be a little shorter

[@Shantelle6253]

@@lindawilson8434 of course it "could", but she could shave her head and still look great. If you haven't got anything nice to say keep it to yourself.

[@AEvans36963]

I'm guessing she had it cut to that length bc of her shoulder injury. It's probably painful for her trying to comb and brush her hair at a longer length.

[@Joce123]

Love the hair styles in both of you..but honestly, I watch for the life changing video content

[@lindagbukvic9441]

Yes recently we've both had Dental issues and we'll need to renew our Driver's License and License Plate Tags.

[@Joce123]

On Google..I typed affordable dental..got 1/2 off the part that my regular DDS insurance didn't pay.

[@angelaland4759]

Love your haircut. AND your nails. :) Glad you got a little "me time". Love your show. ang

[@LauraN-do2of]

I’ve always bought “generic” or off brand toner and ink on Amazon for my printers. It’s usually 1/3 or 1/4 of the cost of brand names. I read reviews to make sure people have good luck with it.

[@susandodds8482]

I bought a printer to use while WFH during Covid and buy the ink from Ebay for very little cost. Best to check out ink costs before choosing the printer might pay more for the printer, but it the long term saves money.

[@terryhenderson424]

There is a sinking fund few think of and that's an insurrance deductible fund. It not the highest priority fund for many but enough to cover the homeowner's/ renter's insurrance deductible, the deductible for each vehicle, the deductible for all the appliances and extended warranties, and a deductible for 1 in-patient hospitalization (this amount should cover an ER too). In general, you should be able to have a good 5 business days before needing to produce these deductibles so this fund can go into a less liquid account. With an actual fund, you have more options in deciding whether to go for a higher deductible for lower premiums too; or a more inclusive insurrance.

[@mandybarnes6815]

I don't print very often so I go to the library and print things out there on the rare occasion I need to print something. It's only 10 cents a page.

[@audreysavard3248]

I had made the calculation 6 years ago. Between the cost of the printer, papers and cartriges, it would have take me printing more than 6400 pages to make it less costly to print home than at the librairy. Plus it take so much time at home to be sure the printer (slowly) feed well the paper in and to hand-turn the paper to print both side.

[@terryhenderson424]

We set a budgeted, monthly amount which we donate to the local Senior Center Food Pantry. We may or may not donate additionally to other causes but, because we have a designated budget and destination we do not allow ourselves to feel obligated or heart stringed by the numerous charities and causes we could elsewise support. As-needed, we will say that we already donate a reasonable sum monthly to a pre-selected charity.

[@terryhenderson424]

For goodness sake, don't forget Chridtmas stockings and Easter baskets!

[@reneenewfrock5743]

Don't forget veterinary expenses!

[@Corinna_Schuett_GER]

That's why we only host a guest kitty from the neighbours from time to time. 😀👍

[@pennyhexter3475]

My insurance is by far the highest category

[@maryolson411]

I was pleasantly surprised when I was told because I was on social security, I was eligible for a special funding by my state for any expenses my insurance didn't cover, if it was incurred by the hospital where my clinic is located. 28:09 This has really saved me. I'm in Minnesota by the way.

[@Joce123]

Where?

[@jameserickson25]

Best thing of being frugal is you have extra money to give to others. It is so much fun.

[@aeolianartists]

Here in New York, everything has gone up, including income tax, it is so expensive, and hard to keep up.

[@sharonp.6505]

Gifting expectations are ridiculous in our society. Every time you turn around someone is expecting (or even requesting) gifts or money. Bridal registries are insane these days!!! When did our society become so obsessed with expecting and asking others to give them expensive gifts for every occasion or event?

[@puregold1725]

Agreed. I just opt out.

[@sjbutler2330]

To keep costs down, make up a gift basket with two wine glasses, or champagne flutes, bottle of good wine or champagne,and chocolates... Wrap in cello Phone with a big bow for their wedding nite etc. Lovely gift for under $40.

[@Corinna_Schuett_GER]

​@@sjbutler2330My ONLY gift can be a Holy Bible which can be ordered for free at several ministries. Perhaps some added home made wine or marmalade plus some nice flowers or plant for decorating the home.

[@mtnshelby7059]

Starting an expense tracker in a simple notebook is the best thing Ive done for my finances.

[@mandy3486]

I feel like my kids school thinks we are money pinatas so thank you for reminding me im not alone😂

[@bookmagicroe9553]

Here's what has come up lately: a trip for grandson's college graduation: therefore plane fare, hotel fare, gift, food. Next item: cat needs dental surgery; Then the car collapsed. All that happened after we bought new carpeting. At least we had saved for carpeting.