Thanks very much

Wow, how did you pay off your mortgage early?

@@gunnikr We bought a modest home and have kept our expenses low using the same techniques Jane shares. We continued to throw any extra money we had at the mortgage and were able to pay it off in 10 years. It wasn't easy, at times I wanted to give up but I'm so glad we stuck it out. Watching videos like Jane's are great motivation to stay the course.

@ Apryl Ruiz, well done for coming up with a plan and seeing it through. I too am debt and mortgage free, and I have created streams of income so I don't have to be too frugal. I also find Frugal Queen In France very motivating,,,, a reminder to stay on track. Frugal Queens way of life and mine are almost identical, except my country cottage is in the UK. For me, the most important thing about living frugally/mindfully is that I have peace of mind. I was on the hamster wheel of debt; living hand to mouth for many years. It was a very stressful period of my life. When I sometimes want things, I choose that sense of peace over the stuff I don't need.

What peace of mind having no debt and no mortgage to pay every month gives me. Now as a pensioner on a fixed income with little scope to increase it I find I can live very comfortable on a much lower income and still allow my self a few little treats and a small amount of savings every month.

Thanks Liz.

I agree Liz …and may I add that you must have been an excellent teacher Jane …another lovely video , just in time to motivate me . ❤

Yes Liz Jane & Mike definitely deserve lots of Gold stars 😊

Great to hear that.

Yep

Just shows peoples priorities. Next week some of those people will be moaning they can’t afford to put their heating on.

@@rosaestrada41 thanks for watching

Music to my ears

Hello caroline how are you doing today how's everything going?

I don’t need to tell you that your healthcare system is drastically over priced.

@@FrugalQueeninFrance yes….its ridiculous in so many ways. I love your videos….thanks for making them and being so open with your finances.

That’s awfully expensive!

Hello dear how are you doing today how's everything going?

As a single person my private Heath insurance is just over £200 a month and there is no dental or optical cover in that.

Thanks so much for sharing

You’re welcome.

Thanks so much for your feedback and watching our videos

Hello Rozanne how are you doing today how's everything going?

Thanks for sharing.

Thanks so much

Hello Susan how are you doing today how's everything going?

Thanks Jonna

Glad you enjoy it!

You are so welcome!

Thank you

Hello Glady how are you doing today how's everything going?

Thank you for watching

Thanks Pat

Indeed Julie, that wasn’t unexpected, it wasn’t immortal and it wasn’t going to last forever. Do a life audit from your body head to toe to your house, car and garden. It’ll all need replacing at some stage. Each aspect needs saving for.

@@FrugalQueeninFrance you are so right! I don't like being caught off guard like that, so I will be rewatching the video today to start making a budget. Also, I am concerned if one or both of us where to be out of work or worst case scenario what if one of us were to become ill or be widowed. Like you said above each aspect needs saving for..

Hello Julie how are you doing today how's everything going?

You’re welcome and I am happy it was helpful

Hello Suzzanne how are you doing today how's everything going?

Good luck, any no spend month is worth it.

Hello Karen how are you doing today how's everything goin

Schools in the UK as best practice, have the school calendar for the year on the school website.

@@FrugalQueeninFrance that’s great. Where i am it’s a bit hit and miss. The whole school calendar is often on the website but not always the individual class calendars.

@@Alicesgardenau ask for that to be clarified, initially send an email to the school for the class teacher

@@FrugalQueeninFrance yes I agree ☺️

This is very true! Each year level has different excursions/field trips. However parents need to reject excursions that don't fit their budget. For example our Y6/grade 5 excursion costs $800 per child. I find this to be excessive. Students travel on a coach bus to a state with a beach. They spend 1 night in a hotel and visit an oceanic science center. Parents could drive their own car on a weekend of their choice for $100 petrol, stay in an inexpensive hotel $100, and visit the Oceanic Centre for $22/person. So why pay $1200 to go with your kid on school excursion???!!! Ridiculous.

You're very welcome!

You’re welcome and thanks for watching

Thanks very much

So happy to help

Thanks for the feedback

Well said.

Thanks Lisa

Hello Lisa how are you doing today how's everything going?

Thanks very much

Thank you so much for the feedback.

Hello Claire how are you doing today how's everything going?

You’re welcome

Hello Debra how are you doing today how's everything going?

I am good. But been really thinking about what you said. Need to do better

@@debramckimmy7398 Okay how's your day going over there

@@debramckimmy7398 my name is David Greg I'm originally from Norway but currently in miami florida what about you?

It takes time to up to date, I’d have as many No spend months as I could stand to build up savings to be able to do it. Good luck.

@@FrugalQueeninFrance Thank you. I will try to do a no spend Nov with you! 👍

Hello dear how are you doing today how's everything going?

Me too!!!

I'm in western North Carolina:-)

South central NC here 😁. I love this channel, keeps me motivated and focused!!. It’s a pleasure to hear her speaking .

Hello Susan how are you doing today how's everything going?

Good luck, I have faith in you

Thanks Jane

So pleased to hear that

Thank you

Hello Rachel how are you doing today how's everything going?

Thanks for watching

Thanks for watching

Good luck

Hello pauline how are you doing today how's everything going?

I’m really glad to hear it’s working for you. Sorry to hear about the dog, losing pets is hard.

Thanks very much

Great to hear that

Hello Helen how are you doing today how's everything going?

We did a no spend year when we were paying off debt, it’s not as bad as it sounds

Thanks for watching

Noted!

Me too. I listen when I'm driving or gardening with my headphones. You are better than radio Jane 🥰like a good mum.

That’s included in the figure that we call income. Thanks for watching

Hello Anne how are you doing today how's everything going?

Thanks so much for sharing

Thanks for watching

Thanks for the feedback

Glad it was helpful!

House prices in the UK are so inflated and to be forced into 50% of income to rent leaves renters unable to get ahead. Thanks for watching

It is much more difficult for a single woman. 🤗

Wishing you well.

Hello dear how are you doing today how's everything going?

Very wise

You’re welcome and thanks very much for watching

Thanks for watching

Hello Erin how are you doing today how's everything going?

You’re welcome

Hello Sharon how are you doing today how's everything going?

Thanks very much

Hello Laurie how are you doing today how's everything going?

You’re welcome

You will get there. All those payments towards debt will become savings.

@@FrugalQueeninFrance 🧡 yes, thank you! Slow and steady wins the race!

The sooner everyone realises DEBT sucks the better. Just keep throwing every penny/ cent you can at it. Live frugally remember a pound saved it worth about 35% more than a pound earned as there is no deductions from the pound you save. Also make sure that pound saved goes straight to paying off that debt, every little helps to get you to the end goal quicker. Good luck with your journey.

Thank you for your encouragement, Pat!!!

Car Is under warranty. Washing machines are still 600€ as are dish washers and built in oven. I don’t have any thing else to replace

Many thanks!

Thanks very much

Thanks, it’s amazing how many times, so many of us didn’t think that something needed replacing.

Hello Belinda how are you doing today how's everything going?

That’s tricky however your ‘kids’ are actually adults and they are responsible themselves. As adults, they should be helping you.

I'm sorry for your loss

Thanks for watching

Thanks very much

1. We jointly make sensible adult responsible decisions about our money. We ne er spend any money without it being planned and saved for. 2. People can take us as they find us. Yes, we do entertain. They’re well fed within our budget.

Thanks for watching

What do you need to do to change that?

@@FrugalQueeninFrance Sorry, I don’t know what you mean.

@@charlenebrissette3348 you are going over your budget, either you’re spending too much or earning too little to survive. Which will you change?

@@FrugalQueeninFrance I just realized what the mix up was, when I wrote we go over our budget, I meant we look at it lol.

Best thing we ever did.

Thank goodness for sinking funds! Our fridge/freezer went last week! We lost some of our precious food although I cooked up what was still safe and gave some away rather than waste it! We have a shiny new one installed now but an unplanned but inevitable expense!

Taxe d’habitation is, if on a lower income than us, then you don’t pay. Taxe foncière is based on the rentable value of the property.

Interesting! Ours is $1,700 a year for 1.4 acres in the Adirondack mountains (US). And that doesn’t include the 3-4 hundred dollars a year for school taxes that are due a few months after. Our are set by appraisal of the property and house, and location.

Thanks so much

In your position, I’d go cômpletely no spend until those debts are gone. Pay bills, buy survival good and throw everything at debt, if you’re in good health, get a part time job as well and use all that to pay off those debts too

@@FrugalQueeninFrance thank you for the helpful advice. Sadly I am disabled and unable to work, but completely no spend there isn’t any reason I can’t do. I’m just so tired of being worried and always being “behind the eight ball”. Nothing I will have to give up by no spend will be worth my peace of mind! I will continue watching all your posts on your channel. You are so calm and encouraging that you make me feel like I’m not hopeless and I can get it done over time. Thank you so much.

Hi, I am also in NC with a teaching pension. Think about if you are in good health look back into the schools for a part time job or subbing. Subbing pays well since the schools are struggling to get teachers, staff and subs. That might help in the short term. You are under a cap of earnings so check that out first. I have done this for 19 years since retiring and plan 1 more years of working. Parttime gives you time for other activities. I volunteer and socialize with friends. We raised a grandson while doing this and my husband has no pension only an annuity but has a part time job to fund his hobby. Take your social security early if possible and put into savings. Good luck from one tarheel to another.

If it works for you then that’s perfect.

It’s 100m2 including the basement kitchen stair well. We have no mains heating, just wood stoves.

Can you pay monthly? We over pay in the summer to compensate for extra use in the winter

@@FrugalQueeninFrance certainly we can overpay. I have the company give me a budget amount (estimated yearly total ÷ 12) and then put that amount in my sinking fund and make a tiny bit of interest.

Hello Lori how are you doing today how's everything going?

In the past we had contractors and trainees as weekly paying guests. That was before Airbnb existed.

I’d suggest you earn more if you can.

I have food for weeks, not months. Our food prices are always high here and seasonal food is cheaper. France has a very different food culture. Thanks for watching

Hello Cindy how are you doing today how's everything going?

We are content creators on you tube and our main income is our pensions.

Thank you for all your wise advice and encouragement in this difficult times. Greeting from Spain

Food costs what it costs. We can't eat, even the basics, for less that 5€ person per day. That's 70€ a week for just our meals. Our supermarket budget for all food, drink, cleaning products, toiletries, laundry products and bathroom tissue is 100€ a week and that I assure is a disciplined amount. What does it cost per meal to cook where you are?

@@FrugalQueeninFrance i am in the US. from what i can tell my food has come to about 360-400 a month the past few months but i was also traveling within a few different states so the groceries could really vary. But i think i wasted some of what i bought and i am trying to not do that anymore. I have been looking at what i have before i go to the store so i don't buy too much. Your videos have helped so much. i bought a budget planner and am looking backwards to see what i have spent over past few months, see where things were impulse, things i thought i needed but don't (esp now that i am stationary for a few months before we head back east from where my boyfriend is stationed currently.)

kzfaq.info/get/bejne/jOCYpsl239uqc58.htmlsi=sPmB0fJiDViQvm_4

It’s in our house taxes

Not very. Thanks for watching

It goes into our overall budget.

All bills are paid automatically, even the taxes in the autumn.

Hello suellen how are you doing today how's everything going?

We do not take risks with our money. We do not hold a pension fund as we have British pensions where we paid in and they hold the fund.

@@FrugalQueeninFrance thanks for your helpful reply ☺️

@@hollynauss6359 thanks that sounds doable. I am not a technical person and prefer paper and pen. I am going to try that.

My bank, which used to be a credit union let’s you have unlimited accounts with no charges. My financial plan/budget means that I worked out how much I need for each category per annum and I divided this by 26 (fortnight’s) and I have set up that the day after payday ( just in case there’s a glitch between work and bank) these amounts automatically wing their way into their new home. My headings are- health, holidays, bills and expenses, Emergency Fund( for sudden things), repairs and replacement( some people call this POM or peace of mind) for planned replacements like washing machine or our non immortal lawn mower. I just transfer money back to the everyday account to spend it , for example we had the car serviced so I transferred money out of bills to the card accessible account to pay on collection. I used to have a new car account, but this year purchased my brand new Subaru Impreza which took me 4 years of regular savings plus any bonuses and tax refunds etc to save up for, because I know Subarus last 20 years/ 400,000 km before they start to die and cost major money I closed that account , I’m 68 in 20 years I’ll be 88 and if I’m still driving at all won’t be getting a new car. I also closed my Christmas club which I started 20+ years ago when I had 3 in high school, plus quarterly utilities and rates so January was an expensive month, I’ve always bought or made presents through out the year and the Christmas club was a great way of saving for my most expensive month instead., but the money previously spent on those two accounts now goes into savings because I’ll be down to one day a year next year. This is my adaption of information from Jane, Cath from Cheapskates Club, Scott Pape (the barefoot investor) and Dave Ramsay rehashed to suit me. It took a while to fine tune and evolve, but I find it easier than a paper journal or excell that I’d struggle to update because I’m a bit undisciplined sometimes. You’ll get there.

@@joysleeman3311 thank you! 😊 very helpful.

Hello carolyn how are you doing today how's everything going?