20 Frugal Techniques That Helped Us {Become And...} Stay Debt Free
In this video, I'm sharing with you the ways we were able to stay debt-free for the last 8 years while still being able to spend on what we value. This doesn't mean that the budget and frugal living have been thrown out the window - on the contrary. To stay debt-free, we still follow our guidelines.
And today, I share all my secrets.
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I’m so very happy to have you here. We are all about saving money at Frozen Pennies. Whether you have a goal like debt freedom, purchasing a home, retiring, or just making ends meet, we are all about making that happen. Here you’ll find tips on saving money on groceries, ways to tweak your budget, and living an overall frugal life (all while having more fun)! Thank you for supporting my channel.
About Sara:
Sara is a wife, mother, and creator of Frozen Pennies. With a degree in English, a former teacher, and a Certified Financial Coach, there is no better place to learn about debt freedom, budgeting, and overall frugal living.
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DISCLAIMERS:
- Links included in this description might be affiliate links. I may receive a small commission if you purchase a product or service with the links I provide at no additional charge to you.
- Information on this channel (Sara Conklin, Frozen Pennies) only represents my thoughts and opinions. I am not a medical doctor, medical professional, or financial advisor. However, I am a certified financial coach. All content on this channel is intended for entertainment, informational & inspirational purposes only. Don't hesitate to contact a professional with any questions. This video and all videos on this channel are a means of social support.
I'm 56 and retired. That may seem early, but my husband starting going blind two years ago. I'm so thankful I can have this time with him to travel and just slow down life. Thank you for reminding others that anything can happen.
Sorry to hear this. I’m sure you can make some memories to treasure. 🙏
@@Poolmanvr that is the plan! I'm so thankful he can still see on good days. I'm so glad we set ourselves up financially so that we have this time together
I am not debt free yet, but am on the way. My son and his girlfriend are renovating their home, as they can afford it, of course! I visited them last weekend, and in the past I think they always felt that they had to "entertain " me which was expensive and totally not necessary! This time, I borrowed a movie from the library, and we had a movie night at home. I also took my scrabble game, and we had a really fun time, without any of us spending a dime.
I will never be debt free..with taxes, insurance, utilities, doctor visits, meds…even though no home, mortgage or credit cards there’s still debt!
Second hand furniture and decorations is the way to go. My entire house is second hand decorated and we love it!
I couldn't agree more how beautiful old second furniture is
I put needs in a cart and wants in a wish list. Then i buy one or two things per paycheck.
We rarely go out to eat for a date but if people want to go every week just use the fast food apps and eat cheap. You can have just as much fun getting a 5 dollar meal and free frosty (with the key card you buy for 2 dollars once a year) as you can a fancy place. Think outside the box. Of course not going ou saves the most. All our dates when the kids were little were with a dollar rental dvd, popcorn, and a once a week can of coke!🌞 To be honest it is still is my favorite 🌞
One more thing in common....my husband is 12 and a half years older than me too!!!! I swear you are my twin somehow!!!! Love your videos!! It is like a good visit with a great friend!!!
Your videos give me encouragement I really need. My husband and I are doing ok but I have so much anxiety about it. I need to talk to myself like this and listen to your videos daily. It helps.
A support system helps.
Just a suggestion: In late winter, call your local nursery and ask to order Lavender in pots. Place your order and when the nursery places their seasonal plants orders - they will include your order. Also - I, nor anyone I know - has ever had success with growing Lavender from seed! Order ahead! My best variety is always ‘Hidcote Blue’.
If I was just a bit younger when my husband died, I would have been in trouble. If I was a bit older, I would have been able to get more money each month. When he died, he was on disability and was receiving his pension. I was old enough to get 2/3 of the amount he received from SSD. I also get the same amount from his pension. I was a sahw, and if I didn't have this income, I would have had trouble finding a job that would have paid me enough to afford everything.
as for putting stuff in the cart on line and waiting till end of month... one might not even remember what was on there if you don't go check it regularly! married 55 yrs hubby and I used to walk the mall but leave my purse in the trunk of the car (I had the credit card) so if we wanted to buy something we had to go out to the car at the end of our meandering to get my purse and go back in, NOT ONCE did we go out for the purse!!!!!
Eating out is like every three months never dessert only coffee or tea muffin or occassionaly a taco meat yess grow our greens that's clever
A little tip, Lavender seeds are notoriously difficult to start and get growing. Sprinkle a few seeds on a damp paper towel put the paper towel in a plastic bag, push all the air out, and put it in your freezer for about a month. Then sprinkle them on top of your seed starting mix but don't cover them. They need light to germinate! Good luck!
I’m not seeing anything yet coming up. I may have to try again with your tips!
We are buying a fixer upper home and we are doing repairs and renovations as we have the money to do it. We are having to do a little bit here and there but I know eventually it will be finished.
If in the US it helps to buy a smaller condominium for two people and all your kids have flown away that might help. I live in one and I tell you it's a lot easier to maintain, clean and pay for it. As you get older you want less things to clean less and easy to clean. You want delicious food that takes less energy and time. This is esp helpful if you have a knee problem, etc. The other thing we need less heavy furniture because with aging comes the onset of not being able to lift heavy things. If you are like me, you will avoid as much furniture as necessary because I'M sick of falls because our younger kids are not always proactive and I have fallen many times because of loose wires or too many things that need to be cleared and I end up falling and sometimes feeling the pain for a week or two having been lucky I didn't need hospital care. Simplicity is a Godsend and it's economical. 😊😊
Great pep talk!!!! Thank you!!
Just one quick consideration though... loans for big purchases like a house or an extension on the house, are not always bad. If your payment today is X amount, with inflation over time it won't half as bad as it looks
Thank you!
Great job Sarah ❤❤❤😮😮😮😊😊😊
Great tips!! Thank you!!
Sara, I live in Rochester and the Wegmans here have lavendar plants outside for sale.
Really love and appreciate you!!!
Life insurance!
Lavendar blooms between june and july.
Shaving from a bar of Irish spring original scent placed around the area of entertainment works as a repellent. On a personal level, take a vitamin B complex 20 mins before you go outside to work/entertain, this makes you unpleasant to flying biters.
No kidding?!? I absolutely trying the Vit B!
@@saraconklinfrozenpennies lived in a waterfront community with marshes, mosquito heaven. My sister and I kayaked every week that summer and fall. Used vitamin b complex and though mosquitoes normally skip everyone to feast on me, I didn’t get bit once, same for my sister. Worked for my SIL. But my dental assistant called it a fail, 😞. But many other YT commenters have said it worked for them.
We go out for lunch or coffee and cake for birthday celebrations
I am 56 in thirty years inwill definitely be in Heaven
House extension loan. Have you calculated the approximate total to see how much interest you would end up paying. You may even be able to work out a store credit card with zero interest and use the plan to start early or as additional credit building. (It maybe something outrageous and not even worth the loan, but maybe not if finagle right.) 😁
Great video!! Always learn something new!! 😁👍🏼
✅ Great video.
I have several income streams age 56
Did you become a financial coach through Dave Ramsey course? If so did you like it? Did you buy into the extra money to spend after you graduated from the basic class? If not Dave Ramsey, who would you recommend to go through their financial certification course?? Thank you , 😊