UNETHICAL Cheapskate things I do to save Money? You decide!

[@justjulie304]

Today I paid off mortgage and my debt by downsizing! I cannot tell you the relief! And now I get to save and invest even more!

[@BudgetGirl]

Congrats Julie!

[@granitemoss1451]

NICE!!!!

[@vidahappy-frugalspanglishv1528]

That's an amazing accomplishment, congratulations Julie!🎉 I'm currently working on paying down my mortgage, so I can relate to your happiness- great job!🥂

[@cowgirljones35]

Way to go Congratulations 🎊

[@carrollwilliams8861]

Paid off my mortgage one year ago. No feeling like it. My savings is building up nicely.

[@barefootrebellion]

When I get a free trial, I add a cancel reminder on my phone calendar each day starting 3 days before and ending with "for the love of God, you'd better have cancelled by now"!

[@lynns.1855]

I think it’s totally ethical. As a past victim of subscriptions, I feel it’s totally fine to cancel subscriptions. I hate the hassle, so I no longer mess with them.

[@BudgetGirl]

it is a hassle! But sometimes worth it in my opinion, like for free or much discounted clothes :-)

[@drypowder4556]

Your not a victim.

[@Budgeting_Ministries]

Lol I’m so cheap I put it on my calendar with an alarm to make sure that subscription gets canceled 😂

[@Megan_Truly]

Girl, me too. I do this AND have Alexa and Google (home mini) remind me. (I bought both Alexa and Google on Black Friday one year to see which I prefer).

[@singinintherain8565]

The businesses or retailers are the ones setting the rules and if the cancel-at-any-time features aren’t working for them, they’re free to change them. Great video🙂thanks!

[@BudgetGirl]

I agree! thanks for watching!

[@georgesmith7988]

I just completed my Geico Improv Safe Driving Course to get a significant discount on my auto insurance for 3 years. You are my hero for getting your money back on those trial subscriptions.

[@BudgetGirl]

great job, you too!

[@patmartin9727]

Congratulations Julie you won’t regret it.

[@harpermccarthy]

Yes it is totally ethical to take advantage of a business marketing ploy to get you to sample your product. You sampled, you left. Totally reasonable. Sometimes you might want to keep the subscription, if it has value to you. I keep a calendar with cancel dates, account number, and phone numbers because this information can be difficult to find when needed.

[@LiconLaw]

I use my google calendar to remind me about subscriptions. When I sign up I decide what day I want to cancel, put it on my calendar, and then I get whatever notifications/reminders I set up to remind myself. I usually need several, lol.

[@mandytirado7360]

Ooh! I'm going to use this tip. Thanks!

[@donnaashley5934]

That’s a super smart idea!!

[@BudgetGirl]

That's a great idea!

[@chantelstavick7984]

I’ve gone all in one apple and now when I need a reminder I just say “Siri, remind me to cancel XYZ on this date’

[@Sari5708iraS]

Yes! I set a reminder on my phone the moment I sign up to cancel before the trial is up

[@kimberlyschveder6861]

with subscriptions, I do the same thing. I note on google calendar (which I use on the daily to go over what I need to do in a day) the day before the funds are charged to my accounts. I usually end up making it on time.

[@kaiwryn]

RE: Fabletics - I work in marketing. What you're doing is 100% ethical. That extra thing is essentially a marketing cost to get you in the door and hope you like it enough to stick around or that they can make it hard enough to cancel that you won't bother.

[@BudgetGirl]

thanks for your perspective! i agree!

[@KristensClassroom]

Went and cancelled my gym membership this morning!

[@BudgetGirl]

WTG!

[@kellyallin3007]

I love these win/fail videos!

[@terrytaddei6799]

Love the fails and wins videos!!!

[@esthers9140]

I don't think it's unethical at all to get a subscription and cancel it. If the company makes the policy you can cancel at anytime that's on them. I personally am also one that doesn't like the hassle of doing subscriptions. The only subscription I have is prime. I like being able to watch the videos and it helps me with my Amazon orders.

[@LadyPicker]

Love it! “I don’t tell you what to do, I tell you what I do.”

[@deedeesmith3073]

Absolutely ethical. They offer and you did nothing illegal . I never take advantage because I hate the hassle of canceling.

[@TJ-yv3kp]

Girl there's nothing wrong with using promo marketing deals to get free/low priced products. I do this with alot of the coffee/tea companies. The real "tea" is just like you stated what you pay is really the true worth.

[@kristinshutt6355]

So glad you brought back these types of videos I’ve missed them!

[@mrs.flores6950]

I have missed these types of videos! I love your newer content..but I also miss your money saving videos back when you were $30,000 in debt.

[@prudencel1652]

I agree - it makes me feel nostalgic!!

[@operalove7221]

Me too.

[@margaretturner3251]

Hello,you are so right.

[@richsamuel2922]

My biggest win is my weekly $200 allowance that I get from the ATM every week. After gas food and other essentials I am allowed to spend the rest on whatever I want guilt free. I have a lot of former money sitting around my house that I haven't used yet because of said allowance.

[@BudgetGirl]

Cash envelop system is great! I'm so glad that works for you! 🤑

[@susanfudge1737]

An ATM gives you 200 monthly? Cash back credit card?

[@richsamuel2922]

@@susanfudge1737 $200 a week. Yes I have ccs but I only charge recurring bills and things I've deposited cash for from my allowance on them.

[@thishijabibudgets353]

New subscriber here! Great tips, thank you!

[@BudgetGirl]

Welcome!

[@a123phi5]

If it wasn't, you wouldn't have to ask.

[@BudgetGirl]

thanks for your opinion!

[@DebtFreeMillennials]

Subscriptions can be so tricky! It took me forever to figure out how to cancel my Kindle Unlimited subscription. Decided to switch to the Libby app with my library card, best decision ever.

[@JustClaireGrace]

Wow, it’s been a while since you did a 5 frugal things video, I love them! And I totally think it’s ethical to cancel the subscription!

[@BudgetGirl]

it has been a minute! thanks for watching and glad you still enjoy these!

[@rochellethundercloud346]

I don't even bother with free trials to begin with. It's always a pain to cancel.i simply don't bother with free trial. Clothing.if i cannot get at least a 2xl top, i.don't bother.

[@VelvetyMoon]

My home insurance is escrowed and very easy to switch, I’ve done it once and searching rates currently to do it again 😄

[@melindaoa8668]

I try to put subscription cancelation dates on my calendar…..but give myself a few days of leeway (so earlier than the actual date). It doesn’t always work, but it helps.

[@bethhenderson5373]

The roller derby pics - 😎 awesome!

[@BudgetGirl]

thanks beth!

[@JVHarberden]

Recent wins: 1. I called around to find better home insurance and went from $1500/year to $1000/year. 2. I cancelled my TV and got my internet reduced by 50% to $35/month just by asking. 3. Switched phone companies. I'm still paying the same rate but I now have some data. 4. Kept talking to different people to try refinance my mortgage. I got 3 NOs and 1 maybe so I'm running with that. It's a little unethical. I do a blend and extend with my bank to try get out of the 16k payout penalty. Then 🤞 the penalty reduces to 3 months interest for a little while. If it does, I'm going to switch banks. If this works, I'll have some extra money to put to my student loan every month.

[@rachelsweet16]

IMHO you are brilliant!!! Saving money is Saving money!

[@jenniferselespara1327]

I feel the same about my car the bumper is damage but I'm not going to fix it I rather keep it for another car when the time as right

[@Nwladylaura369]

My car has a ding in it from a BB some kid used on the side door. Not worth fixing since it is a 1999 SUV. However, the side window did have to be replaced. 😕

[@lindap9079]

I sold $312. of merchandise on Craig's List. I'm not going to get rich but it makes me happy.

[@BudgetGirl]

huge congrats!

[@SamarkandChan]

With a lot of subscriptions you can cancel the same day you sign up and you will still get your full free trail. I do that with most things.

[@kelleyarcher3635]

Those subscription things always get me. I'm going to try chatting with the company next time if I ever subscribe to something again. Great tip!

[@angierecovering_clutterer2434]

This is great content! Just found you and already subscribed! My big money fail lately is neglecting to fill out and send the legal papers in to the Anthem lawsuit to get money back from their price-fixing. Now all of the monies that I and my company were overcharged will all go back to my company. I don't know how much it would have been, but I've had the paperwork for 3 months so it's not like they sprang this on me. I am way too irresponsible for someone who is 50mumble years old.

[@wendythomas4930]

Very encouraging! I like your thought process. I have never looked at money this way before. This will get me focused on how I waste money. Returns!!!🤐

[@BudgetGirl]

Glad it was helpful!

[@billkelly3679]

I got Peacock to watch a single program, and since it was only one season I cancelled that day and binged the program.

[@kdspratt1]

Think of calling about your insurance e this way. If the new insurance is $20 more a month that is $240 a year. If it takes you one hour on the phone to get back to a $100 you just earned $240 an hour (which I don’t know about you, is more than I make an hour)

[@BudgetGirl]

I 1000% agree! and yet i still haven't done it. I will though!

[@ellegraham8559]

Free tip to fix your car dents (I've done it and it worked!) Use a plunger, wet it and secure around the dent, plunge and the dent should pop out!

[@VelvetyMoon]

Whattt?! Thank you 💕

[@SherryEllesson]

BG - I keep a 2-pages-per-month generic planner right next to my computer where I see it multiple times each day. If I sign up for something free, I mark on the block for the DAY BEFORE expiration, "last day free XYZ" so I know to get online or on the phone and do what I need to in the event I didn't want to keep whatever the "product" is. It's also a reminder, for when I make out my budget page each month, to include that charge on the appropriate line so I can check my credit card and see that the amount I expected was charged and I can check it off.

[@super_ted_7371]

I have numerous monthly subscriptions with amazon subscribe and save and quite often will cancel them and start them again because the price has dropped after my order went through or there is a voucher available for your first subscription. Not sure why they allow this but I take full advantage 😁

[@Sari5708iraS]

I’ve missed Five Frugal Things! It must be challenging to find new things all the time, thanks!

[@BudgetGirl]

You are so welcome!

[@MELINDASSIMPLEBLESSINGS]

Love the cup

[@laurieashley2358]

Mississippi girl here! I enjoyed this video. I subbed.

[@BudgetGirl]

Thanks for subbing!

[@teapurveyor]

Thanks for the reminder to get my ass in gear on all the returns I have to do.

[@BudgetGirl]

yessss! get that bag back!

[@tammyi363]

Love PopFit! And they were easy to cancel. But I did keep the subscription for a year- cause I wanted to☺️ I’ve had them over 2 yrs and they are still looking great!

[@cowgirljones35]

Hey 👋 love your channel ❤

[@h.allandeblase1092]

I personally never look to get free stuff where I have to commit to a subscription. To me it's not worth the hassle. Free stuff appeals to people who are broke, or have a mindset of scarcity. Once you're affluent, you need to reset your mind to understand that time is much more important than money. Based on your story, I think you should start making that adjustment. Doing so will make your path to affluence much faster and easier.

[@Megan_Truly]

I agree that time is money, but sometimes it's easy to cancel these offers and sometimes it's not. So to me if I want the product then it's worth it. To each their own. Let's say Sarah makes $30 an hour but it took only 10 minutes to cancel her subscription or even 20 minutes. Plus maybe the 30 seconds to mark it on a calendar/set up a reminder to cancel... but the leggings are $50 leggings. It's worth it. She didn't spend over an hour. So that money she saved is money she can put into a savings account and "pay herself." Now 4 leggings x 50 = $200.00 that's a good amount to put into a savings account!

[@SherryEllesson]

Your statement about "free stuff...broke or have a mindset of scarcity" sure is painting with a broad brush! I am neither broke nor do I have such a mindset - in fact, I do very well on a modest retirement income and feel blessed every day. Merchants offering free-to-try subscriptions have a business model that is working for them, and there is nothing in the way of scarcity provided we all understand that these are the rules on this particular playing field. Your comment comes off sounding haughty and rude.

[@desertmoonlight2880]

@@SherryEllesson and your comment comes off judgemental

[@desertmoonlight2880]

@@Megan_Truly and you know this how?

[@granitemoss1451]

I think many of the 'Millionaires Next Door' would disagree with your statements. But you are correct that time is money, so people need to be aware of where that LINE is, where the time spent does not justify the savings. Because there is a line there, and you need to be aware which side of it an offer falls on to know if it's worth it to you or not.

[@meganlovesjonas7]

TL,DR everyone placing roof claims is probably why your insurance went up 20% I live in Florida and work in insurance. A big thing going on right now is roof AOB(assignment of benefits) and frivolous lawsuits for new roofs. I don’t know a lot about Texas’s insurance but down here when you sign over your rights for them to deal with the insurance company, you have no say in how it goes. Yes they will handle it, but if the claim doesn’t go through they will go to you looking for it and if you don’t have it they will put a lien on your house. The other part is if your insurance company refuses to pay they can sue the insurance company in your name so it’s on your record. Because of these two issues insurance rates in Florida went up an average of 36% in 2020 with central Florida going up around 50-100%. Im not saying you had an illegitimate claim, but when you sign over your rights to make the claim, they take a lot of extra money from the insurance company and you end up paying for it. And now there is a claim on your record.

[@coettahannah3403]

A lot of storms n roofs blowing off in Fl. Glad I live in the mountains. state Ins not to bad here except car ins.

[@angelmission]

Oh, and yes it is totally fine to do that. They aren't so ethical themselves and you are following their rules.

[@beckpender]

When I want to remember something like a "cancellation" or when a CD matures, I put it on my phone and laptop calendar.

[@robine916]

Big caution about those cancel anytime subscriptions. If you order, say some socks on subscription, where, like you, you just pay shipping. They frequently start the "30 days" on the day you order, not the day you get your product. Keep this in mind if you want to try it out, as you may not receive the items for several weeks.

[@BudgetGirl]

some places absolutely do that! so sneaky!

[@Megan_Truly]

Yes, i always just assume it's from the date I place the order!

[@Nwladylaura369]

Nothing wrong with taking advantage of an offer and then canceling. I've done it before and also forgotten on a few. Think it usually goes in their favor.

[@vidahappy-frugalspanglishv1528]

We fully funded a shed that we build! It would of cost close to 6K at Home Depot with installation included, no interest... instead, we spend close to 2K and is more beautiful than the ones they have at Home Depot.😃

[@vidahappy-frugalspanglishv1528]

I don't think there is nothing wrong with canceling your subscriptions, even if you plan on doing so from the beginning. If you remember to cancel, or you don't mind calling- I'm sure there's way more than enough people that do forget or don't get around to calling for months to make up way more than the discounted or free stuff you get. No worries girl! Lol💗

[@ragdollpreppers2648]

Roller derby WAY TO GO 👍🎉🎊🙂

[@imma_cat]

I am really, really good at returns! If it doesn’t look great or I just don’t like it, it’s back in the box and back to the post office! It hurts so much to keep stuff I don’t love and later give it away because I could have returned it.

[@BudgetGirl]

I totally agree!

[@Megan_Truly]

Absolutely ethical to sign up for a free or discounted offer and cancel right after. If they offer it, then they should assume some people will truly cancel at any time. I do this, do the offers a lot and cancel afterwards. Only issue was with a company called lipmonthly I followed their directions they charged me another month. I wrote in and they ignored me, I had to talk with my credit card company and I reported it as a fraudulent charge. So that was a HUGE pain in the butt and inconvenience! I liked the lipsticks/glosses, but still, huge pain!!!

[@beckyhowell79720]

I love your background. Mine is just an almost bare wall. I love your budgeting tips. I started my financial journey.

[@BudgetGirl]

Congrats! You can do it!

[@ShaveCave]

Roller Derby is awesome!!!

[@BudgetGirl]

The best!

[@leslieyoung3268]

Roller derby girls rock!

[@CentsibleLivingWithMoneyMom]

I adore the coffee cup. I have not done a free trail in a while, but I think it is great to take advantage of them.

[@BrittanyAngeline]

I love the pop fit leggings too! I got my free ones and cancelled the subscription, BUT I did end up going back to about a year later and buying a few additional pairs for myself and also Christmas gifts for my family!

[@BudgetGirl]

That's awesome! BTW you looked great at the party as a vamp! I might also order from popfit again. Liked the leggings- I was wearing em yesterday!

[@ElizabethLilly]

Oh I def play the game with getting free meals from meal kits and then cancel when the discount is over. Normally after awhile you’ll get emails about more discounts again to lure you back

[@stephanymartinez7493]

My phone calendar is full of pay by/ cancel by ect 😂

[@barbaracastleton4337]

I always ask for lots of lemon for my water in a restaurant. It doesn't matter whether it's The Four Seasons or Dave's Diner. Then I drop in a couple of sweetener tabs and, voila, free lemonade!

[@JustBrenda55]

I just made some fresh cranberry tea. It’s great with a little raw honey!

[@libraryminnie7674]

Ugh, I had to talk to the Thrive Market people. They were surprisingly aggressive in attempts to keep me. They finally relented, but they did not make it easy.

[@BudgetGirl]

Good to know! Glad you got out!

[@gramcracker1616]

Never had an issue with Thrive. If I ever cancel I will be ready for them. ty

[@aewaterhouse]

I had the exact opposite experience with thrive market. I went to the online chat feature, told him I wanted to cancel, the guy said hey if you don’t cancel what if I give you XYZ bonus, I said no thank you and that was that. Very very simple! And of course they have to try to get you to stay. It’s their job!

[@Megan_Truly]

I always love these comments so I know not to do their offers. I like the easy ones, like Hulu where it's just a button. I had trouble cancelling Lip Monthly and Audible, both tried to charge me after I had already cancelled!

[@esurges]

Hi. Loved the video. If you change your insurance make sure to read the policy and understand what it covers. Not all policies are the same. And some things are worth paying extra for.

[@thearbitrarylife]

I find it hard to spend money on budgeting items such as subscription budgeting apps, expensive planners, etc. I think its insane to spend $50+ on a planner when Im I'm trying to save money. I don't know. I can't seem to justify it. Maybe I just haven't found the right tool that works for me!

[@BudgetGirl]

Perhaps not! There are free options, like my spreadsheet budget on budgetgirl.com and some free apps, also free printable budgets. Don't think you have to go high end first, especially when trying to figure out a system you can stick with!

[@coettahannah3403]

I use a little book about $4 lasts to years. It has 12 months ..enelope to put all receipts..in..n bills ..and dpace to writeout all expenses..I can loom back see what I spent or saved any month. Its for 12 months I mame 24 out of it.bc not too many bills. I agree over $5 too much for that.

[@lenagranstrom579]

Old calendar for budget and notes. You do you. Try different options

[@rachelday9585]

I don't remember it being difficult changing insurance companies for home owners. Mine is in my mortgage and my insurance wouldn't renew after the first year because we had a claim, so I got a new insurance company. After several years the rate more than doubled one year and I went back to my original insurance company. I don't remember doing anything as far as changing it with the mortgage company, I think the insurance company handled that.

[@annebingham7583]

Hi Sarah ! Good Going Girl ! You may have already taken care of this, but do you have an umbrella insurance policy .. just in case someone who was working on one of your three properties - your apartment your tenant's apartment and now your camper gets hurt ? Lawsuits can ruin someone if anyone claims that you, as the landlord or the employer, were negligent about something. They are really important and are life savers for anyone who has assets !

[@teresa4565]

Just a thought (even though $2,500 may have been too much to ask of the roofing company), but moving forward whenever you have a deductible for a job to be done check to see if the company you hire will eat the deductible or a portion of it. Just a suggestion, I did it once with having a car windshield replaced that's why I mention it.

[@BudgetGirl]

great tip! i will try that next time!

[@atdepaulis]

I knew some people that had to have their roof replaced twice in the first year after buying the house for hail damage in Texas… the roofing company agreed both times to just charge what the insurance company paid so worked out fine for them! Never hurts to ask!!

[@michelleblackley9770]

My house insurance is also included in our payment and we changed insurance companies about 4 months ago. Once I decided on the new insurance they took care of the rest. I was dreading it thinking it would a pain but as it turned out it was so easy.

[@BudgetGirl]

so good to hear!

[@ritalynb7070]

Never had a subscription for a streaming service or cable🤷 I don't sign up for vip subscriptions or any subscriptions or memberships at all.... of any kind.

[@TravelingNana]

Yeah!! It’s a BG video!

[@BudgetGirl]

thanks for watching Barb! I've been busy with the camper reno!

[@andir7854]

totally ethicial to cancel- it was their procedure, their promise, their offer.

[@maryberon4193]

Roller Derby, loved it!! So much fun, good for you!

[@BudgetGirl]

Thanks so much!

[@maryd7896]

Oh my gosh I did the SAME thing with popfit!! You and I are in the same boat and yes they are TOO DAMN MUCH 🤣

[@Natalie_11188]

Hey Sarah! Good to see your face.

[@BudgetGirl]

you too!

[@rkatufus]

I wouldn't be surprised if Peacock sends you another bill. I don't trust those tricky subscription companies

[@Megan_Truly]

I've only had issues 2x, check your statements and worse case scenario you can fight it with your credit card company. A pain but it was worth the gamble for me. I got like 6 lip glosses instead of 3 free (I'd followed the directions to cancel and had copies of my emails) but I had to fighjt it with my credit card. Audible charged me after I'd cancelled but I contacted customer support and got it fixed. They refunded me.

[@cduran110]

Make a claim on your car, get a payout keep the money to spend on something else. You don’t have to repair the damaged car. If you have comp coverage.

[@robertabaker7369]

I had some hail damage to my car. I went to the insurance company so they could inspect it and they went over the whole car with a flashlight, etc. They gave me several thousand dollars for the damage. You might want to get your car inspected since the hail made it’s resell value go down.

[@Budgeting_Ministries]

Within the first 3 seconds I was in love with your personality!! 😁

[@BudgetGirl]

thank you!

[@mizushirokanon9174]

Youre a real burocracy warrior!

[@EverydayArtByBrittanyGunter]

I totally did the clothes vip one on some new panties. Cause I mean it's $20 panties for free

[@Ally088]

Missed these type of videos!

[@BudgetGirl]

Thank you for watching!

[@Loralit4]

Your house insurance: it’s not a fail in progress, it’s a win in progress 😎

[@stephaniemiersch]

Absolutely ethical. Cancel away!

[@jonnaborosky8836]

If those deals are offered, it's ethical to take them, no matter when you want to cancel. Period. Freckles and dimples...hahaha! Sounds like my body type! Wins: putting multiple items back at the grocery store. Calling the bank immediately when an online purchase was declined by the bank for reasons of suspecting that the online site was fraudulent. Never had that happen before and was so glad I bank where I do! Remembered that all I have to get is a clay flower pot to make sure I can be warm if the heat goes out this winter. Fails: I haven't called the local contractor to come and finish the work that's started here. I haven't called the contractor who's been working on the place (I thought) I'm moving to. Haven't contacted my health insurance person who signs me up for next year. You are doing so good...but I wouldn't expect anything else!

[@BudgetGirl]

Hi Jonna! i love a clay pot heater! consider this a gentle nudge to call the contractor/ health person!

[@rosendoescutia9970]

Unethical!! 😂 lol I love the title

[@carolbrand6566]

Great video more like this please.😊

[@Antigone78]

You can cancel your Fabletics account from your profile! I've done it twice. :)

[@susanfudge1737]

When I was right out of college, I would take tampons out of work bathroom.

[@BudgetGirl]

Totally ethical! and tamps are too damn expensive!

[@terriromberger7475]

Good deal Sarah, we have to cancel those subscriptions as soon as we remember or within the allotted timeframe, just to protect our wallets--Not unethical at all. Playing by the rules. I find chat works just as well as a live phone call, alot of chat agents are superior customer service agents. I think that is fantastic you are trying to get back into derbying! What a workout! Great for you, i would think reffing is alot more gentle on the body than the actual derbying, wise choice! Hmm, did you learn what you needed to with the free law course? I am tempted to do something having to do with a will--as in a free trial. Will have to look for an offer. Thanks for the superior content, always look forward to a new video.

[@BudgetGirl]

Hi Terri! It was actually access to pre-made contracts, not a course. I needed something specific, but not necessarily to pay $15 a month for ongoing access!

[@Nelly8812]

I actually keep the monthly fabletics subscription. BUT! I don’t pay for it because they give you the option to skip each month so that when I’m in need of new leggings I can actually still get the member pricing. They send emails one the 1st of the month so I just go into the email and go to my account and click skip. I’m good at checking my email daily so I’m good at remembering this every month. I don’t really find it to be unethical to cancel right after taking advantage of deals like that. I certainly shouldn’t since I keep a membership but don’t pay thanks to a loophole lol.

[@FrugalFunMum]

Well Done! I LOVE Subscriptions and again like you make sure I try to cancel but have fallen into the trap of forgetting. I don't think it's unethical to do some because they are bigger companies who can afford to do this - (smaller home based businesses I would not) - you also mentioned the company here and no doubt others will go look them up and check them out and you might even order from them again in the future if they have a sale. You gotta try before you buy as they say!

[@BudgetGirl]

Agree! I also don't think a small business would offer this kind of loss-leader deal, simply because they couldn't afford it.

[@denselypackedfancy]

Your homeowners insurance maybe went up because you filed a claim on it. Your next insurance will see the claim as well and will charge accordingly. Insurance is definitely skewed in favor of insurers. I’ve also seen on the news that insurance went up because the value of homes has increased so much over the last two years.

[@BudgetGirl]

I wasn't clear in the video, but it went up prior to my claim!

[@ella_encantada]

Sarah there is a channel called girls just wanna have funds.

[@BudgetGirl]

How cool! I looked into the phrase a couple years back when I started by merch and its not trademark-abe as its a pun on a trademarked phrase and is common enough to not be owned with a copyright. All that to say anyone is welcome to use it (i have it on a water bottle from years ago and have seen it on tees from different companies). Very cool name for a channel and I wish her the best with it!