Why I'm So Frugal

[@serenaroseauthentics1391]

This is not frugal, this is smart!!!! She’s not caught up in the trappings of tik tok and flexing. How liberating and intelligent. This is a lifestyle I want to aspire towards, not BS Balenciaga. This girl is keeping it real. Her priorities are spot on - people and pets!

[@dig1272]

I've been forced into frugality the last few months, BIG TIME, and I'm actually finding it to be kind of liberating. I am excited about becoming more of a minimalist. I've been getting rid of stuff left and right up and donating most of it. If something is worth more than $100, I'll sell it, but if it's going to take up a lot of time to try to sell it is not worth it for me. I am donating, but wow this is interesting to listen to her! Love how her dog is a huge priority. I have 2 cats and definitely they're my priority!

[@beatrizalvarado8296]

I agree!

[@tudormiller887]

It's hard being frugal, when everyone is consuming everything and anything just for the hell of it. So many HAUL videos that amplify the consumer culture. Vinyl Hauls, Clothing Hauls, Cosmetics Hauls etc.

[@alexguerra1668]

@@dig1272 I like to say.. Do you own things or do things own you? 🎉Congrats on the life upgrade 🎉

[@sharond4763]

@@tudormiller887 I understand, I've stopped watching most of those vids and unsubbed from certain emails that would push the 'buy now at discount' theme. I also don't watch much tv and avoid alot of ads that way.

[@AmbientDreamEscapes]

I get it, but a sofa and a pair of curtains can't hurt 😂 my home is my haven and I love it cosy and homely

[@BDDDDDDDD]

yes coziness and privacy

[@saelaird]

Her French doors have a boxed in curtain rail. The curtain is grey and gathered up on the right. The left window has a blind, rolled up. I assume she has a sofa.

[@jankoodziej877]

​@@saelairdit's just an act. I'm sure she set up the frame in such a way that it makes it feel like a very empty space.

[@lisajohnson7827]

You are brilliant!! Love the way you live!!

[@rollandjoeseph]

Seriously though

[@SunnyKindJourney]

"It's not about the money, it's about the freedom". Love it Nicole 🌱🤗

[@AccordingtoNicole]

Seve! I love your channel!

[@SunnyKindJourney]

@@AccordingtoNicole So nice! We have a lot of similarities 😊

[@laventillelady9733]

That line brought it home for me!😮 I Loved it!

[@katpussy]

And your carbon foot print.

[@NormAppleton]

She does not live in the 416.

[@kesayo]

I was speculating about this the other day. I have a friend who's the CEO of mid-sized company and he probably makes around 1 million a year. But he has to make that in order to fund his and his family's lifestyle. Every day, he gets up early and has to worry about his investors, his board, his employees, his company. He's the first to arrive and the last to leave. He works his tail off. Even when he's not working, he has a ton of social obligations that come with the territory. I don't have his money. But I have enough money to fund my lifestyle in perpetuity. I wake up whenever I want. I work whenever I want. I eat whatever I want. I don't have to associate with anyone I don't want to associate with. And I don't worry about anything. I would never trade places with him.

[@Ebakyza]

Just out of curiosity: what do you do for a living? I'd pretty much like to wake up when I want as well!

[@justb4116]

@Ebakyza, people have different sleep patterns naturally and people like to 'have others accessible' during the hours when it's convenient for them. But let's not forget that it takes two to tango. It helps to be able to adjust either working hours (self employment helps, various industries have various schedules, if working shift position, stick to the shifts furthers away from your natural wake up time) or sleeping hours (consistency is key, no cheat days, lifestyle change, good night's sleep begins not when we put our head to the pillow, but waaay before that - in the morning, when one wakes up from previous night sleep). Often, going purely one way or another is not possible due various outside restraints. Sometimes it's gotta be a combination of both - keep adjusting sleep pattern while looking out for opportunities that are closer to your wanted shedule I wake up whenever I feel like, usually 4-6am I have a 7am alarm to remind myself that *the* last hour before departure to work starts *now* Hope this helps, it's tough but oh so worth it Sincerely, eX 4am-midnight, current 9-5

[@clairewinchestermurray8703]

I've lived frugally for the past 5 years, and at 42, I've come to realize that money is a tool. I’ve worked so hard over the years to realize that if you don’t make money work for you, you can’t experience true freedom. I’m glad I found that out although it was later in life, but that marked the turning point in my finances.

[@Laurendon1]

I have zero idea how that works. I have money stashed away for emergencies but instead of lying there, I want to put it to work to make me residual income. How are you doing it?

[@clairewinchestermurray8703]

Well, I've gotten into a plethora of assets with $43k spread across stocks (options and futures) for the short term and Roth IRA, index funds, and ETFs, for the long term. I've been investing with help from a pro fund manager, Herman W Jonas who oversees my investments. Now I sit back and reap my dividends while I just reinvest from time to time.

[@df71091]

True, let it work! I bought bitcoin in 2013 and got laughed at. Bought skins for a computergame and ten years later i could sell them with 100x. Ive never been weslthy, i was working hard and got injured for the money that i then invested

[@Lilybee931]

Working with a fiduciary like Sir Herman has given me peace of mind in my stock investments. They prioritize my financial interests and have guided me towards stocks with strong fundamentals, resulting in consistent growth over the years.

[@aezakmi354]

bunch of bots writing scripted comments, if you guys read those comments its all fake and dont trust those people, thy are scammers@@thelonewolf666

[@noah_am_i]

I like that you are willing to spend more on items that align with your values. Being smart with money doesn’t mean living miserably.

[@alexandragazdikova9074]

"If you take care of your belongings and you treat them with respect, even inexpensive things can last you a very long time." Absolutely agree! Not everyting of course, but a lot of things can serve their purpose for many years, even if they cost very little. Oh and also, I do find frugality and saving money a fun little game, too! :)

[@topophil]

For example some of the tools in my toolbox are reaaally old, but they serve their purpose 100%. Wrenches don't break as they age

[@theillyri8339]

I was expecting something extreme. But you're smart and know exactly what you want, and you tweak money to your advantage. Nothing but respect for that

[@josereyes1148]

A completely empty large house isn't extreme?

[@josereyes1148]

Sitting on the floor with no heat and two hoodies on is also a bit much lol

[@TheAngloAfrican]

I love this. One thing that’s often overlooked is the clean aesthetic of frugality and minimalism. This is exactly how I live my life, despite earning about three times the average salary in the U.K. I don’t even have a car and travel mostly by bicycle and public transport. I live in a nice house because it’s an investment but I have very little furniture, only the essentials. I don’t have a TV. I’m fortunate in that everything I enjoy is free or costs very little. I’ll buy quality products and look after them so they last a lifetime. Clothes are all plain, unbranded cotton. All the money I earn goes into high-interest savings and at this rate I’ll be able to leave the rat race at 45 and live for next to nothing for the rest of my life. Would it not be cheaper to heat your bread in a microwave? Just a thought. Great video, thank you.

[@robertbasile4608]

if it’s a single family house, it’s not an investment

[@TeressaStuckey-psychdata]

​@@robertbasile4608odd comment

[@Merryyy203]

Wow! Lovely. Happy for ya :)

[@dustincammer7953]

I was loving everything about this reply and then saw ‘heat your bread in a microwave’ and had a heart attack. now I’m dead and still can’t come to terms with it

[@TheKing-er1ji]

High interest savings?Especially with such high inflation.. isnt it better to invest into an Isa to get better returns

[@catenystrom6506]

You are definitely NOT cheap! I think you're sensibly frugal. I LOVE that you take such good care of your dog, my dogs are everything to me, too, and I spare no expense to care for them. Love your house!

[@DiasFrugalLife]

A lot of people think I have money they ask me for loans… or look at me as privileged… but the truth is I’m frugal in 99% of my life and that’s why I can save what little I do earn and have… it’s not that I’m rich it’s that I’m smarter with my money than the family and friends that think of me in such a way. 🤷🏻‍♀️ I sacrifice in a way (but they don’t see that, it’s just a lifestyle I’m used to doing). They blow their money. On the other hand others think I’m dirt poor and give me things. 🤷🏻‍♀️

[@pennynickels5216]

Exactly!

[@mercycunningham2813]

Dito. Some years ago I bought plastic takeaway containers at amazon I used (and reused) them for mealprep so I coukd take my food to work. My coworkers thought I made so much more than them because of takeout everyday. Worse I'm good at second hand shopping for clothing. I'm always looking for basic and timless pieces. Those I'm pimping with scarfes that look expensive. I laughted so hard when I found out.

[@Cora_And_Dia]

@@mercycunningham2813 that’s funny 😄 but we can look and feel soooo good with so little money. It’s amazing how that works if you have the right mindset. 👍

[@gwenj5419]

Yes, you scrimp and save and spend very carefully. Then people think you are "lucky."

[@DiasFrugalLife]

@@gwenj5419 yes exactly.

[@davidjacksonjackson3212]

I am very proud of my daughter, she is just like you, very frugal, she has her own house and keeps it beautiful unfortunately my wife and my son are spendthrifts and the amount of money wasted in this house drives me crazy, and the amount of arguing over the wast of things also drives me crazy

[@pujabelgian]

You married the wrong one.. you should have married your daughter. 😉

[@georgevavoulis4758]

You should marry Nicole

[@dorahmulinge3800]

​@@pujabelgian😂😂

[@jasminflower3814]

Educate your wife on paper. She is probably a visual person and needs to see all the bills and wages and expenses in front of her. Get it all organised and then spend a couple of hours educating her and showing her how to save for the future etc.

[@df71091]

I dont like cheapskates. I remember that one co worker that talked for months about the incident where he drank my water and he had to buy me one from the gas station, wich costed 4x than from the regular shop

[@Courtney-of1po]

Side note, learning a skill/trade like plumbing, electrical, mechanic,etc can also help you if you are trying to be frugal. For example, my fiance is a frugal man and he is very handy around the house and he's a mechanic so he fixes anything that goes wrong with our cars. I know that not everyone has that technical ability (myself included) but with the magic of KZbin some things really can be done at home and save you hundreds, if not thousands of dollars. Again, I know not everyone is able to do that kind of work but it's worth it if you can, not to mention so much trade skill knowledge is being lost with the upcoming workforce.

[@zephire6943]

smart! I should try to learn these things. I also want to learn how to sew, so that I can repair my own clothes and possibly make my own as well.

[@Gary65437]

Yeah, the skilled handyman doesn't get enough credit for all the money he keeps from flowing out to the businesses in it to make big money on people with no skills.

[@RoseaCreates]

My man is the reason we are able to live comfortably on poverty wage.

[@Courtney-of1po]

@@RoseaCreates same!

[@kruttikabhat8146]

Wow, finally someone who lives and thinks about money like me. I've seen so many videos of people saying to make your own coffee instead of going to Starbucks everyday to save money, as though that is the most mind blowing thing and I can't help but roll my eyes. But this this stuff here, I agree with all of it, I live by a lot of the same principles and ideas. I also track every single penny, both on my phone in an app and then later in a very detailed spreadsheet and boy do I love tracking my expenses in that sheet.

[@sagarravalia2345]

Same pinch! I've been addicted to tracking expenses to the rupee in an excel sheet. Analysing at the end of every month gives me insights into where I could cut down and if I overshot my budget

[@TeressaStuckey-psychdata]

@kruttikabhat - something as simple as make your own coffee is valuable. It's often one of many things people can do to save thousands of dollars annually. Unfortunately, most people won't take the time to take care of their financial-self as you do.

[@nancymeister4803]

I love this!! I have always felt saving money is a "game" for me. I have a Charlie Brown piggy bank and as a child I would count it weekly to see how much it has gone up. As an adult, I took pen and paper (I'm old school) and calculated how much my home balance would go down if I paid said amount, putting that toward the principal. I was able to take my 30 year mortgage and pay it off in 7 years. THAT was FUN!! My husband says "Once you put money away, it's like it's gone to you!" YUP! I subscribed to your channel, this is the first time I've seen you, so you know how much I love this video!!

[@saumumusyimi9580]

Me too……first time and subscribed pap!!

[@gupndors]

Just resigned from my job to live modestly for the rest of my life and need to manage my way to retirement by being careful. I know I can do it and enjoy doing it too because I will be doing my own thing in my time, finally off the work treadmill.

[@larabraver]

I did the same last year at age 42. Hoping to find an easy job eventually. Best wishes!

[@ItsNmarie]

I freaking love your way of thinking! You're brilliant girl

[@suefleming]

I agree ! I live frugally and minimalistically. I love alone time.

[@seltzermint5]

This is exactly how me and my husband live. It is really good for our psychological wellness. Earlier this year he had a serious loss of income and we really didn't have any struggles at all because of the way we have our lives set up. We were fine on my income and just put slightly less into savings. When we have a sizable expense pop up, it does not stress us very much. If someone were to look at our bank accounts they would probably be very surprised because (for example) we drive old, paid off cars and get books and movies from the library only. I never try to push these frugal ways onto friends but I admit it's quite difficult at times for me to not say anything to friends who are in debt or financial struggles because of their choices. Mostly I want to suggest tips that they would not like such as subscribing to fewer streaming services or reserving meals out to 1 time per week.

[@littlemissy8356]

What I like about this video is that she knows what to spend money on and what not to. She's not insanely cheap, just smart

[@DevilishAbstractions]

Thanks for the tips. May I add the following: 1) My eyes can't help but gravitate towards all those naked windows and the patio doors.......with freezing Canadian winters, insulated curtains would help save on the heat loss. I got mine cheap from Jysk and Amazon has them too. 2) I also use a space heater to heat only the room I'm in so my thermostat is set below 20 degrees. 3) Pair quality generic brand clothing with a designer piece and people think the entire outfit is high-end.

[@susanw9630]

i was thinking exactly the same about the bare windows. The look of the apartment / house made me feel cold.

[@Adventuresawait68]

I have to say this is one of the best “frugal” living posts I’ve seen so far. Most of the ones I’ve come across talk about buying cheap food (unhealthy full of chemicals and preservatives), and giving up basically everything (no car, no entertaining, etc). For me, being frugal is about making smart choices and setting your priorities straight. I watch what I spend, keep a spreadsheet budget, shop sales, use coupons, and refuse to follow trend. I select healthy and fresh foods, make A LOT from scratch (both good and hygiene items), and love to get together with family and friends at our homes. Every once in a while I do fun activities outdoors, but try to find ways to save by using coupons or rebates for example. When I travel, I purchase my plane tickets with frequent flyer miles I accumulate throughout the year, so my personal trips are all very cheap. Over the summer I flew to Europe from the US, round trip for $70.00!!! There are so many ways to stay on budget and still enjoy life.

[@RedNicole22]

Same! I hate when ppl encourage others to buy ramen noodles, and trash foods. Just bc it’s cheap now, doesn’t mean your future medical bills will be cheap eating trash foods. They totally miss that point. Your health should always be your number one priority IMO. I have only seen two ppl speak on this topic, but never address the money saved later in life when you have less medical bills.

[@Thehappyhomemaker]

Same!!! I'm in shock how amazing this video is

[@celestebinus6142]

You travel to Europe for $70? Please, teach me that. Will you, please??

[@19xxmichelle]

Oh that's odd how you won't even explain to us how you flew to Europe from the US on $70....

[@Adventuresawait68]

@@19xxmichelle I did explain it in my post. I use frequent flyer miles to purchase my tickets. I do a lot of research in advance to find the dates and times that work for me and use less miles so that I’m not using up all my miles for one trip. I also check the connections and layover time. If I can find flights with long layover I will look for something during the day time so that I can get to see that location for free (if you have enough hours until your connection, you leave the airport and do something at that location that’s not too far away. Keep in mind you’ll need to go through security again so make sure you calculate your time correctly)

[@sylly654]

There is nothing outlandish in your lifestyle, it is very smart. My husband and I did many of the same things as you; we saved our money and invested in real estate. Now (mid 50’s) we have a very comfortable nest egg. Like you, we never really deprived ourselves, we were just more thoughtful about our spending than many of our friends.

[@susanvelez6534]

You are not cheap your extremely intelligent. I do the same what you do are proven to help save and have a stress free life. I’m 61 and very proud of you 👏🏼👏🏼👏🏼👏🏼👏🏼🙋🏻‍♀️

[@fabmontreal25]

What breathe of fresh air! People don’t get me when I say budgeting and saving money and spreadsheets is actually fun

[@1969debz]

I personally think you are frugal as opposed to cheap and like how you make savings every way possible. We live in a society that encourages spending mindlessly and unnecessarily so I'm not as frugal but frugality is my goal. Also being mindful where I spend money is important. I'd rather pay more to support a small business than frequent big supermarkets and stores like Target or K-Mart in Australia. New subscriber here👍

[@UnoHoo1]

As a younger person, I was a single mother, and lived paycheck to paycheck. Now that my children are grown and I’m older and wiser, I am actually (at least for now) in a place where I can save pretty much every month. It has proven to be a life-changing experience for me, so much so that I no longer have that constant stress I used to have, wondering when something will come up for which I’m unprepared. I have found the beauty in saving for things I truly want, and that delaying gratification is actually worth it! Food is also a place where I would rather pay a little more to buy healthier, organic, etc. foods, and I rarely, if ever buy clothing if I’m not getting a sale. Am I a tightwad? I don’t think so. Many people helped me back when I had little to nothing, and if I can treat them now, and still be able to save, that brings me joy. Thanks. Great video!

[@judithcoe7551]

Cute little doggie. I hate being cold! Can't do that with arthritis. Also save money by getting some blinds or shades and insulated curtains.

[@garykuovideos]

You’re very thoughtful in your choices, and that’s refreshing to see these days. More power to you, and congratulations!

[@douglasborgstrom2023]

Back in the 80's I had to call my dad in Nova Scotia. He reminded me to call after 5pm because the rates were cheaper. That little reminder became a life long lesson in how not to spend when you don't really need to.

[@erakkovaatainen148]

I am so frugal, I got rid of all my friends. Had one at the most. No need to spend on their alcohol consumption or helping with bills. Even if they pay everything, it adds up to go and be social. No caffees, no bars, no shopping malls. I also keep a track of what I get and what I spend. To the penny. Walked away from a job almost 2 years ago to live on savings.

[@AccordingtoNicole]

Everyone needs companionship and a bit of fun in their lives.

[@squirrelcovers6340]

Agreed, Team Koyha! They always wanted to GO OUT for dinner and drinks and pay 5 times the price of what we could stay in and have the same things. If they don't want to hang out with you at home, they aren't your friends to begin with. You're just another body to hang out with.

[@erakkovaatainen148]

@@squirrelcovers6340 Yes, and mostly expensive places. Some of them travel a lot when I don't really enjoy traveling countries. Alone is so much better, as we must enjoy little things in our lives.

[@julijopeterson7096]

You should be frugal but help yourself to invest.

[@beatrixk.6723]

Am not drinking so I never spend rounds and I live in a different culture. When I go out with friends, it is not expected that one has to pay for everybody or each is buying rounds in turn, we pay our bills seperately, also in Restaurants . That is common in Germany. It takes the pressure away to have to spend a lot of cash for other peoples drinks when I only drink one or two lemonades. I can only drink so much lemonade or water. But it depends, do I just meet one or two friends or do I go out with a bunch of people like 5 or more. If I meet one friend for a coffee I dont mind paying her or his coffee and cake. I think one should not be too stingy.

[@larabraver]

My frugal habits accelerated my financial independence. I quit my extremely high-income job at 42 to slow down and recover from burnout. Being stress-free has been such a gift; the best gift I can give myself!

[@dig1272]

@Lara Brave That's very inspiring!! Yay!! 😊

[@chikac8717]

What kind of job did you have to feel burn out at 42?😳

[@larabraver]

@@chikac8717 Healthcare - working long hours, nights and weekends. Always having to be “on” even on vacation. Work that I am passionate about but ultimately don’t want to give up my personal life for.

[@ActiveRehabMobility]

Same here, I was making 800k a year in healthcare for the last 4 years but have felt so burnt out. I’m ready to quit my job. Life’s not just about making money.

[@katZGcro]

@@chikac8717 i had burn out at age 37. Working 12-20 hours 7 days, no weekend, no holidays, divorced with my son age 5 at that time. Pass out driving my car on seaside on top of mountain, imm.after i quit my job. Car destroyed, two of us alive and healty. Age has anything with burn out. I was chieff accountant in huge international company. Now i have job 8 do 16, double less paid and a lot of stres because inflation.

[@football_editz453]

My thermostat is currently off. My home temp is 12⁰c just now and I'm wrapped up in several layers. In the UK many people are just not able to switch their heating on any more due to rising energy costs 😔. Any new frugal tips are super helpful. Thanks for this video.

[@aussiejubes]

Im boiling over in Australia right now. I just had ceiling fans installed & am trying to use them & be hot instead of have the time of my life with the air con on. I've been keeping an eye on what's happening in the UK & I'm so stressed for all the people struggling through piled on crises. Food affordability, energy costs & a gvt full of The Haves who keep taking from the Have Nots.

[@erakkovaatainen148]

We have the same situation here in Finland. The cost of electricity is x6 from the past. Gladly I have still a contract with old prices for about a year. If you want to be frugal, I'd recommend a channel Prepper Princess on KZbin. She shares even a tips how to make a meal for dollar or less.

[@football_editz453]

@@erakkovaatainen148 I do watch her already, thanks for the suggestion though. Stay cosy!

[@football_editz453]

@@aussiejubes That's hard too!

[@beatrixk.6723]

I do heat even if I have less money to spend. But I had a period of minus temperatures recently, no way I freeze in my flat, I want to feel comfortable. I dont need sauna temperatures but I have like 19 to 20 degrees room temperature and the house is well insulated. So that suits me. I turn the heating down during the night as sleeping in a warm bedroom is unhealthy and causes me headache. Also when I leave the house, i do not turn the heating entirely off but only down as reheating a cold room cost more energy then just keeping the room temperature on low. Not heating during minus degrees causes the pipes to freeze and also mould will appear in the flat. The landlord can charge you for the damage if it is caused through not heating at all.

[@elenikominos7404]

Stumbled across your channel.👍 You're smart when it comes to being frugal,so you can be generous where it counts. Really enjoyed your video & you held my attention😊

[@xdtijnntssyu3314]

I’m autistic and I have ocd and other things I absolutely love the minimalist lifestyle I feel relaxed when there’s nothing there but I get frustrated when I see so many things my brother actually bought furniture for me and I got so angry I said I don’t want it I want my apartment to be empty I don’t know why I reacted that way but I feel bad because he got so many things and thinks I don’t appreciate it

[@catherinemarsh5547]

Retired at 52, now 70...no debt, money in the bank...have everything that makes me feel free and happy.

[@spirituallysafe]

This is a great achievement but I would add, in love, that only a personal relationship with Jesus makes a person truly free. He is the way, the truth and the life :-) Peace to you and your family.

[@catherinemarsh5547]

@@spirituallysafe Your quite right. I also spent those years growing spiritually, mentally, emotionally and detoxing my temple. I am single after 24 years, and Jesus is my Home Boy!

[@catherinemarsh5547]

@@spirituallysafe I do not need a man to make me whole because I have Jesus.

[@spirituallysafe]

@@KAMusic1242 No-one laughs in hell.

[@neilmckay8649]

I can relate to and admire many of your frugal ways. An interesting similarity is that I reuse the zip bag for my lunch sandwiches for months long duration.

[@larabraver]

Same here!

[@dorisrougvie1793]

Watching from Glasgow Scotland ,nice to see young person being frugal ,myself love charity shops ,looking for reduced items 😊

[@nachis3]

Oh my goodness you’re amazing. My home was flooded 5 years ago in Texas and while it was being remodeled I learned how to minimize. I lived in an 18’ trailer and I had very little and I loved it. Now my home is paid for and it’s beautiful like yours. I love to cook as well. Your channel is awesome!

[@dannyzuehlsdorf3697]

Sometimes a good "flex" gets me through the work day. Work sucks, but when I look at my bad ass wrist watch I feel like I can make it through.

[@Spucky50]

You are wisely frugal. I'm 72, debt-free, money in the bank, all due to being frugal. I work a part-time job, mostly to do something useful. Like you, my big "extravagance" is my dog. He's elderly, developed several medical condtions. He had a stay in vet ICU, specialist visits and ongoing medications. Because I watch my other spending, I have the cash for his care. Some people put their pets down, because vet bills and medications have gone through the roof. I prefer my dog's well- being to vacations, clothes, jewelry, etc. That's just me. I buy my eyeglasses online, saving hundreds of dollars. I cut my grass, saving on yard maintenance. I have a vegetable garden. Mostly air dry laundry. All clothing must be washable - no expensive and polluting dry-cleaning. KZbin workout videos - no gym bills. Rags instead of paper towels. Make disinfectant spray with hydrogen peroxide, use vinegar for most cleaning. Dr. Bronner's liquid castile soap for shampoo/body wash. The Ordinary for skincare products. Darn socks when they get holes. Get my hair cut at Walmart salon. Belong to Facebook "Buy Nothing" group. Make a lot of soup - filling, healthy and delicious. Use Amazon subscribe and save when it's truly saving - Prime membersip only when they offer it for free, periodically. No cable, just basic Roku and streaming trial periods. Negotiated internet price when competition offered better rate. That's a partial list. P.S. You can warm your aluminum wrapped bread in a covered cast iron skillet, rather than heating whole oven.

[@tedoneilclark4710]

Ppphhheeeeeeewwwwoowwwwww 😀

[@aymansalim526]

Wow I’m very impressed please give us tips

[@oanastoiciu4950]

Amazing. Thank you🤗

[@tinanolan1485]

I think people would really benefit from your life experience. Well done. I am in my fifties own my house ten years early debt free. Will readdress all spending in January again but no debt means not stressed.

[@KFG721]

Walmart that’s a salon? 😮

[@claudiatkacz3486]

Love the frugality you are so brave to go against the norm

[@ladymallowyt]

It's so much easier to clean your home when you have less clutter. Less stressful. Your home looks so nice and clean. I would love to get my partner to live frugally as he loves to bring random things into our home and leave them untouched for months

[@ros8986]

I would encourage everyone to learn to sew - specifically hand-sewing. Not to make clothes but to be able to confidently repair and remodel items. I bought a backpack but wanted it to be a sling so I opened up a couple seams, moved things, removed padding I didn't need (it was a camera bag) - sewed it up neatly with very strong thread and invisible stitching. It is so worth the couple hours it takes to learn basic stitches and the hand/eye coordination to easily make neat stitches. I am grateful that, on a whim, I decided to sew a blue satin shirt when I was 6 (no idea where I got the idea) - it didn't work out (as I didn't make a way to get into it) but I went on to make other costumy clothes, by hand. I can confidently repair anything in fabric and know when it is not worth it (when the fabric is so weak and deteriorating that, unfortunately, that pair of underwear is now trash). Stitches I use are straight stitch (rarely), heming stitch and backstitch (which is stemstitch on the other side).

[@CromulentEmbiggening]

I especially vibe with the electricity and gas usage stuff. I'm in the UK and am trying to be frugal. I bought a house in 2020 and my parents live with me so that makes it a bit easier to budget food and supplies, but it's so annoying because when you live with someone else you can't be frugal in the ways you want to be because it ends up affecting other people in your house. Or on the opposite side, my parents do stuff that I don't like and I have to live with it. They use WAY too much gas in the winter and when I ask them to simply put on warmer clothes they say "no, we're old, we can't do that." What?!!? Anyway it turns out we still use less than half the gas of an average household (which makes me wonder what the hell other households are doing), but double the electricity. Which should change soon because I got solar panels and a battery installed!

[@mortox2k]

" I ask them to simply put on warmer clothes they say "no, we're old, we can't do that." What?!!?" - it's actually bizarre how some people can rationalize extremely weird behaviors. I've had guests at my house who essentially manhandle/destroy my property, and when I ask them WTF they're thinking, they act like it's no big deal or a simple mistake. Or a guest has a shower at my home and leaves water all over the bathroom floor, like WTF are you doing? they act like it's completely fine and normal. I don't know, some people seem to miss the most basic and obvious things and go through life thinking there's nothing wrong with their obviously flawed and/or inconsiderate behaviors.

[@VeganMangoQueen]

Googled 20 Celsius and was like whoa! 68 Fahrenheit, I only turn up to that when family visits lol. If it’s freezing out or below I’ll turn up to about 65 from 63. I have what I call a wizard robe, basically a blanket with a hood on it. We also have discounted electric on evenings and weekends which is when I wash clothes and hang dry. I also unplug everything when not using. My fave ways to save money plus reduce plastic are by making my own products like dish soap and shampoo from soap nut berries, cleaners from vinegar, lotion and shaving cream from shea butter and coconut oil, using magnesium balls for laundry. Awesome tips let’s all keep playing this fun saving game together 🌱💚✌🏼

[@pebb2378]

I agree it is a balancing act. But its important to be comfortable, a cozy apartment/bed/room, a social life even if that means spending some money on a partner or friends, and making more money. Some sacrifices like real estate, college, investments, savings can all help the future you but caring for yourself right now in your healthiest prime is also valuable.

[@briedubbels8690]

Our thermostat is 60F or 15C lol. I also am shocked to see how warm people keep their houses. This is a fun video. Thanks for sharing!

[@NLKINK]

As far as I'm concerned you're doing just fine. Looking at you I think I can still learn a few lessons but my savings have made it possible to retire from work relatively early. And it made it possible for me to work part time from the age of 34 (I'm 59 now). Even as a part timer my frugality made it possible to buy a house and pay the mortgage in 20 years instead of the going 30 years in The Netherlands. In 2010 we bought and had 18 solar panels installed, so the energy bill is relatively low. We're also low on gas for heating because we insulated the house to the max. More free time for ourselves, more time to spend with our children.

[@GabiN64]

I live frugally as well but i still have furniture in a studio apartment.

[@maryrudelich9000]

I struggle with overspending at Walmart and the grocery store. The house is paid for, and so is the vehicle. I had to set up a three - six month pantry. It’s very convenient between trips to the store, and I never run out of anything. That pantry was quite a job to put together. Lately I’ve been impulse buying items I may use some time in the future. Kinda silly that just because those items last forever, I gotta have it. I mean I could live on a lot less. But comfort, comfort, comfort has become my mantra since retiring from trucking.😊. God bless and Merry Christmas.🎄

[@doublecheese21]

I want to be frugal. I need to be frugal. I spend money like crazy. I really want to have this mindset so I can be financially free. 💕 So thank you for this video, it’s very inspiring 😊📝💰

[@kpaxian6044]

I'm in the same boat. I spent so much on books that I now have mild debt. I will pay it off this year...but jeez... xD

[@nancynewman6592]

Having a goal to save towards makes it much easier as you are choosing 'to spend 'on something in the future' , rather than goodies for now. Then it is fun to track the savings and make it a game. You will be amazed to see the difference :)

[@SoundofSilence492]

@@kpaxian6044 Do you ever go to the Dollar Tree? I can't begin to tell you how many best seller books I have purchased in different states, then pass on when I am finished. Also Goodwill has two bookstores where I live. Try checking out books from your public library, wipe covers with Lysol and open pages in sunlight outside if you are germ-phobic like I am. I keep my stash of books to one large bookcase, only what I will read again: travel, cookbooks, art. Also instead of so many books, try finding stations with your passions; PBS or online. See if you can start a local book exchange.

[@ChristysChannelYall]

Where I live in the U.S. it doesn’t get super cold most of the time. I usually just leave the thermostat off all winter and use a heating blanket or heating pad when I’m cold. If it does get super cold then I’ll just use my little space heater. I live in a small apt so it heats up the whole place pretty quickly.

[@iAmSantiCruz]

I love how you explain things and think

[@MsLouisVee]

Kudos to you, and you’re taking such wonderful care of Levi, and not stunting on his care. I absolutely agree with you. I would spend every penny I have on my pet. thank you.

[@T_Rex1234]

This is probably one of the better videos out there. You are not cheap- you are using common sense! (And you are a wonderful pet parent, BTW- your pup and clownfishies are adorable!) You certainly have your head on straight- my only suggestion to you (because you are already doing an amazing job) is to further your education (there are many scholarships out there, and you are an intelligent woman) to increase your earning power. Stay true to yourself!

[@pumpkin_it_slawson3588]

I've been loving all your videos. There's a difference between hoarding money and saving money..yeeesss. Can you talk about one of your past videos that I just watched about how you don't like your house...what things would you change..why don't you like it...I've been financially ready to buy a house for the past 5 yrs but not emotionally ready....I don't know what to look for or what to stay away from...The only thing I know is that I don't want a 2 story house 🤷🏼‍♀️ Thank you so much in advance 🙏🏽❤️

[@ninamiep734]

My husband and me are very frugal living since 23 years - i am 48, my husband is 54 and because of frugal living we moved to Panama last year, bought a nice house and we dont have to work anymore. As now its dry season we will buy 2 motorcycles as we loved it in Germany. We never went to vacation until first move to panama for the permanent residency. We nearly go out for eating - i am high allergic to Glutamat and therefore i dont buy prepared food - I cook from scratch. As fish is here in Panama very cheap and good and fruits and vegetables which mosts grows here is also cheap - my grocery bill is half of it as in Germany and the food has much better Quality. Bananas, Plantains, Pine, Coconut, Zucchini, Tomatoes, Lime, Avocado i have from my own Garden and its permaculture here. Now Oranges get ready and on April i am happy when my 2 Mangotrees are ready. I preserve Food in Fridge, can my food, and when too much fruits i make jams, Lemonade or it dry it in the sun. I freeze all my carrot and onion peelings and save meatscraps and when i have a big batch - i cook my own broth. Even if you have to buy all the vegetables etc - learn how to cook and learn to preserve food. Many wast so much money because they dont know how to cook from scratch and/or waste food as it goes bad.

[@EckheartTurtolle]

Thank you for the thoughtful transparency. I am learning so much from your channel.

[@jeremytorgersen]

Great video, the majority of this is quite relatable! I am also rather frugal and love the freedom it provides.

[@livyc.8421]

Same girl. Whatever I can try to save. However, been trying to be lenient lately on my transportation. If I really need to get somewhere early and be presentable, I'd rather book car services than do public transpo (which is a hard lesson learned). I've been investing as well on good shoes since most of the time I just walk if I can.

[@gillinacook1477]

I always batch cook and make old fashion food like stew and dumplings 😋. I cook it in a slow cooker which is cheaper then using your hob. Then I dish out the meal for that day then batch the rest into small containers which I allow to cool then put into freezer. They are my ready made meals 😊. When I want to use them, I defrost them by putting them on the counter all day, then I just heat them up in a microwave which is cheaper than your cooker. I batch lots of other different meals too, some I do use my cooker.

[@monikakowalewska2433]

You can also defrost your food by putting it to the fridge overnight. By doing so, you will lower the temperature inside the fridge, hence saving on electricity bill #protip

[@shto4782]

You can have that type of control only if you live alone, if you have family game over

[@kramalerav]

This. When you have kids, your life doesn’t really belong to you anymore.

[@O.O.O.K999]

Oh boy, you could be me when I was young! The principal purpose to me, personally, has always been security rather than 'stuff'. All I ever wanted was to own my own house, animals and to live in the country. Also, my greatest fear was being poor when I was old. I was mocked and sneered at for my ways, especially choosing a motor scooter over a car. I can tell you now, at the age of 70, living in a house paid in full years ago, that is in an Area of Outstanding Natural Beauty, 2 miles from a World Heritage coast line, it was all worth it - big time. Unforeseen circumstances meant I was out of work, not likely to work again, at the age of 48 but I survived as by then I'd bought a second property so the income would let me go p.t. Despite never earning very much I am financially comfortable and get pleasure from being able to make donations to animal charities that matter to me, and to which, my estate will be left - but I to have cheaper off peak electricity and do laundry etc overnight or at weekends 🙂

[@susanquinlan7426]

Frugal is good. Keep up being an influencer. Your home is beautiful and I noticed sparce. That is smart. Buy slowly what you really want in time. Health affirming is never wrong. good for you.

[@teres469]

Loving all your tips....I've done it all and gone in to debt at times through no other choice but trying to turn a corner again...my main issue is eating properly on a budget.

[@rollandjoeseph]

I enjoy being frugal too, My frugal tips: I only use auto night lights around my house on during evening hrs, I save water in a bucket when getting my shower water to temp, and it sits when ready to use for watering my plants, I use a wringer washer and hang dry my clothes😉

[@sianrushton]

Very much enjoyed this video. Your thoughts were put together in a really clear, informative way with lots of interesting points made.

[@Me-And-Marley]

I'm so impressed! You are so smart with wisdom beyond your years!

[@uranne]

Thank you for your insights. I inherited my house from my father and now I feel inspired to continue to care for it. Greetings from the Philippines.

[@joearquilla]

I think youre quite wise. Im glad I found you. I am extremely rousourceful, disciplined and regimented. People think I am crazy. The only real luxury any of us have is time. Money enables freedom. I, myself have amazing hacks / systems for everything I spend money on. This is great content, I admire your financial psychology and I look forward to learning more of what you know.

[@artgirlerina1797]

I find this topic very interesting. I'm a SAHM and we live in a what I would consider a maximalist type of home. We are both sentimental about items we have and attach memories and feelings to them (working on that lol). We have lots of items around our home from toys for our daughter to the décor on the walls (or what I can get on there since we rent a trailer for the time being.) My husband is graduating college this upcoming spring and I don' t work so we live off our savings and the minimal income my husband brings in from his job. Our vehicles are both paid off and our bills are not extremely expensive in general but for our area I would say they could be better. I try to save money for us where I can, I.e. we don't use the AC or heat till necessary (we live in the south in the US so it gets extremely warm and we are not willing to let our baby overheat due to saving maybe a few dollars) and I also cook at home from scratch where I can when I have time. We also have two cats but they are in good health so they are not extremely expensive. We do eat out once or twice a week. I would say on average where I cut back on spending is the grocery store. I don't care for name brand items either as you're really just paying the extra money for the name not the actual product. Unless it is a brand where I know the quality is much significantly better then the other options and I can justify the price I won't buy it. I do buy some alternatives to dairy products like vegan cheeses etc. as I don't eat dairy due to lactose intolerance (my husband still gets dairy products and so does our daughter). I also generally will use my clothes till they are falling apart and don't ask for much except items that can be used around the home or kitchen as that is where I like to spend my time. I however do not cheap out on the things I buy for our daughter. I make sure to get the best value of course for her diapers etc. but I don't buy the cheapest just to save money as I don't want to harm her skin. Same with her foods and her wipes etc. I do buy lots of her clothes second hand as she is a fast grower and will quickly grow out of her current sizes. Not going to buy a new baby dress for $30.00 when I can buy several outfits for that price second hand.

[@sunnywalker2826]

Proof you don't have to be a minimalist to live frugally. I still like shopping and do it similar to you.

[@naeemna9677]

Frugal, minimalist, and slow quiet life.

[@PenniP]

Nicole, Thank you for inspiring me to start my own KZbin channel. It is a slow start, however I am enjoying it so far. Just a handful of videos so far. That you for all of your wonderful content. I always love reviewing your older videos, all the content is still relevant!

[@cheeseballs3825]

I'm not nearly as frugal as you, but I definitely respect your commitment. You have a beautiful aquarium and your house looks very tidy!

[@colaloop]

Cooking meals at home is definitely a big saving. Also I find making certain food from scratch is also cheaper. We have used many bags of flour (20kg) from Costco. Made bread (no knead), dumplings, noodles from scratch with noodle maker. They can be a bit time consuming but like many home making skills, they take practices and repetition to be master.

[@rainacherienne1010]

I tried making bread, it turned out rock solid and awful tasting 😩 It’s now $6 for a small bread, I need to try again

[@skyispink409]

Try starting with flatbreads and making them on a skillet. For 'standard' soft bread is about hydration, short and hot in the oven and allowing enough time on the final (important) prove@@rainacherienne1010

[@rizanyt]

I would start with the yeast- get fresh yeast in a bowl and add sugar (food for the yeast), small amount of salt and water (slightly on the warm side is good, room temperature is fine as well). I believe most people make the yeast-sugar-water mixture first, then add that to the dough. I would add milk and some butter to the dough as well. (helps make it softer) Make sure the dough is sticky and knead it for just a few minutes (till gluten develops) and leave it to rest for 3 - 4 hours while it's covered (till it doubles in size). Bake at low heat till you see it rise, lightly brush the upper portion with oil/ eggs and take it out once it looks ready to eat. The issue may have been - over kneading or bad yeast or inappropriate flour or too little moisture in the dough or not preheating your oven/ high temperature. Goodluck!

[@williamclark1244]

I could not resist asking Siri the cheap vs. frugal question just to see what it would say. 🤣I also reuse aluminum foil and parchment paper, price match, wait for items to go on sale, coupon search, do laundry before 7 a.m. weekdays or on the weekend because of the rate change during peak times, make my own almond milk, hummus, nut butters, cleaning supplies, air dry most of my clothing, stick to a classic style wardrobe, utilize the library instead of buying books, only use streaming services during the trial periods and walk anywhere that I do not have to drive to save on gas.

[@DeeTayloreverydaydeelights]

I'm curious to know if you actually save money making your own nut milk? In Canada nuts are sooo expensive. I haven't done the math yet, but I think it's actually cheaper to buy bulk from Costco than make your own. Let me know if you've done the math on that one. I do think it would be way healthier though. All the additives don't look so great in the store bought versions.

[@spir5102]

William Clark, as I have learned to live more simply, I no longer make or use nut milk. I buy the big bags of walnuts, almonds, and pecans at Costco. If I need milk for a recipe, I use plain water. Just stop buying expensive things and eat more simply. You will be a healthier for it!

[@beavadakkoot]

My husband and I do almost all these things as well. Where we live, Portugal, most these things are common to do anyways since people earn little salaries anyways. But somehow we are still able to live in comfort, because we are careful with our income 🥰

[@mariec5716]

@@spir5102 hi. i have been using water in my baking and cooking for years. cheers...

[@avagrego3195]

You look and sound happy and like you are having fun being frugal.

[@peachxblue]

Thanks you for this! I’m trying to be more frugal this year, and this has started by only consuming helpful content like yours, and deleting / ceasing content like instagram or shopping hauls or influencers, bc they just are not useful to me or even really that enjoyable to watch. So, thank you!!

[@squirrelcovers6340]

I use thrift stores for50 cent hardbacks fill my home library, winter coats, kitchen items, sporting gear. Tools are from pawn shops. Food is all home cooked. Group use of big box memberships for bulk groceries and streaming services. My 2006 vehicle has 114K and has been well maintained. It's pretty simple and has allowed me to retire at 49 with a substantial nest egg and home, property and toys all paid for. It's well worth the effort.

[@patrickflanagan317]

My moto is ,Savings =Freedom. Family,friends, time and health, to me they are the most important things. It's just smart discipline that gets you where you want to be. Super Video 👍👍

[@lizardchavez2689]

You made me cry. You're not frugal at all. You have such a loving heart. I wish more people had your values. This world would actually be livable. Gosh, I'm so impressed

[@melaniebubbles4033]

Thank you, I love that you are so frugal and it inspires me. I am frugal but could be more so and I will be moving forward after seeing your video!!

[@boeing9782]

I really enjoyed watching your vid! Thank you 🙏

[@Godisfirst21]

Okay, I am INSPIRED. Start date......December 15th. I just finished my xmas shopping and want to save.

[@TheBaltherion]

I will probably reference this video as a counter argument for my essay. She brings up the same points i make between the needs for goods and services and the amount of effort and free time you will have to sacrifice for these nice things. I am explaining the reason we works so hard is because we want so much (as a whole).

[@cgi2173]

What's the point of having such a big house if it looks like you have only just started to move in? Downsize.

[@TheSimArchitect]

You seem to be very purposeful with your choices. That's excellent. Thanks for sharing!

[@CraftPreneur]

This is the REAL life right here! congratulations on opening your mind, and sharing with others :)

[@lemonadelife4562]

Finally someone who truly understands! Thank you so much for making this video. I live in South Florida which is very expensive but I as a single mom of a 17 year old son have paid off a condo and a single family home which I am very grateful for. I did however sacrifice things that a lot of people would not have such as some of the things that you spoke about.

[@aaronjennings8385]

I don't heat my house except one room, but I love my electric mattress pad. My bed is a refuge, a mainstay. It's warm and comfortable while the rest of my shop is literally freezing. Hoodies rock.

[@aussiejubes]

You're definitely not a cheapskate. I have such respect for people who take their responsibilities seriously when it comes to pet parenting. I spare no expense for my cats & I leave the heat and air conditioning on for them. I'd freeze or boil, but I don't make my pets do it. I struggle the most with ordering food delivery. I have severe ADHD & I expend all my energy at work & no matter what strategies I've tried for having food at home I'm often too buggered & order food. I hate it though! It's so ridiculously expensive. This is the first video of yours I've seen, I loved it & am going to go to bed & watch your ither videos until I fall asleep 😊

[@JudithMcPheron-pb9lv]

Thanks Nocole it all makes good sense to me. My niece tipped me off to unplugging my appliances wgen I go on 10 day vacas. I believe animals are beloved family members and nothing is to good for them. It breaks my heart when people won't take them to the vet fir proper care. Have a goid week. 😊😊😊

[@Mitalayeka]

I just like being comfortable, If it means being frugal on some things yes i will do that while spending money on things that truly bring me joy, thanks for the video.

[@taylorward2920]

This is people-centered (and animal-centered) living versus thing centered living and it's what I do as well. I get free organic produce from my local urban gleaners every week. My partner and I share an apartment with a friend. Shared tool sheds are a great way to not have to purchase tools, same with community cycling centers for bicycle upkeep. I'd love to hear more about price matching. Do you just tell the grocery store you found it cheaper and they honor that on the spot?

[@jeffrx]

I’m a spender, so I watched your video for inspiration. If I can just change my life a bit to move in your direction I think I’ll be happier. Thank you for making it.

[@maryjane2965]

Same here I need to get my shit together 😵‍💫😪

[@christinal3041]

Me too 😅

[@simonshura9144]

Spending is fun tho its very addicting for most folks, she is the very exception ngl lol

[@gumshoe7237]

@@simonshura9144 not spending above your means just takes practice like anything else .,. spend above your means and you'll be in debt spend at your means and you'll survive spend less then your means , then save and invest the rest and you'll thrive ..

[@simonshura9144]

@@gumshoe7237 easier said then done if ur in study loan debt for ages and never saved up money in general for that stuff but i guess

[@cyclingonplants7444]

Nice video Nicole! 🤗 I'm sure you will get a lot more subs very soon - you have a great style of delivery! I 'm definitely hitting that subscribe button. I live about 45 minutes drive North of Toronto so not too far from you. I agree with you 100% - you're so smart and are starting at a young age with frugal living. Maybe you could show us some of these meals that you cook for yourself or friends when you entertain? I love seeing what other people cook and eat!LOL Your foil reuse comment made me chuckle. I have a ziploc freezer baggie that I have been reusing for my cycling lunch wrap about 3 years !! It's finally wearing out - I just come home, wash it and let it dry well. 🤣

[@charlottecunninghammtb]

This is really good. It’s a win win. You’re living a good healthy life while making a low impact on the planet. No stress. Brilliant video. Thanks for sharing 😁.

[@user-ez1me7kf1e]

This popped up in my feed and I'm so glad it did! Thanks for sharing!

[@kyleshelton1636]

I chose my job strictly for the schedule, and the freedom it would allow me to spend time with my daughter and any more children we may have in the future. Good on you for prioritizing your own well being. I feel like that's a huge bright side to our generation and our outlook on life.