Simply!! 27.40 a day boggled my mind. It’s so easy to spend small amounts of money mindlessly never considering how it adds up. I’m keeping that amount in my head and will think about it every time I am browsing on Amazon. I do have a healthy savings fund but I’d like to grow it. With inflation creeping up more every month, both saving and reducing spending where we can has never been more important. It was good to see you Buns. 😚

My husband and I both work full time, and he also took on 2 extra jobs serving/bartending. We are going to get my son's medical bills paid off this year!

Taking your own lunch to work and making your own coffee or taking a cold drink in a bottle will easily save half of the $27.40

My side hustle is a weekend receptionist job at a nursing home. It's 12 hour days on the weekends plus my regular job during the week. Hoping I can keep it up for awhile to meet some savings goals.

I want to save 27.40 a day by donating stuff while simplifying my house, and not spending a frivolous things. I’m also cooking more at home and I think this will be the game changer.

I used to spend money on coffee/tea and water every day. Many people do. I quit doing this in 2002. I pack a small thermos, snacks, lunch, refillable water bottle every day. Just in water and coffee alone, I’ve easily saved 25,000 dollars since then.

my side hustle is having yard sales. I get donations from friends and declutter throughout the cold months and then have a yard sale on every nice Saturday starting in the spring. that money really helps get me through the year. I'm a stay at home mom (family if 5) ☺ I have been doing this for the past 8 years.

Definitely Simplify! My side hustle is selling my plasma. I get paid to sit and chill out a couple hours a week and I'm also giving to help others.

I don't spend money everyday, not even close - I could not fatham spending $27 a day on anything! I pay my bills, grocery shop once, pick up pet food and get gas for my vehicle every 2 weeks. I go to and from work daily and pretty much stay home or help my elderly mother on the weekend - spending NO money. I know how easily money flows if you are not watching but ..... geez LOL

If you buy a lot of books (including cookbooks…yes, they’re still a thing), magazines, movies, music…STOP! Get these items out of your local library. If, after reading, watching, listening to said item, and deciding this is something you want in your personal collection, then buy the item. Try buying items, like books, at your local independent bookstore. Yes, it’s more than Amazon, but it’s the right thing to do. You’re investing in your neighborhood.

One of the ways I like to find that $27 is to do window shopping with Amazon. I look at fun stuff and maybe I put it in the cart and I just leave it there and don't buy it. Before you know it I forgot all about it and I don't end up spending the money at all.

Going out to eat is killing us, we spend 27 dollars a day on food easy. This was an eye opener!

Tithes and offering comes out 1st❤️

Educator side hustles: when I divorced I worried about keeping my house, so I talked to the director of the local arts center and started teaching piano lessons 2 nights a week. I have since cut back to 1 night since I have paid off some debt and have a good budget, but I picked up 3 advisor positions this year at my school that fit my abilities and interests. It helps in June when the stipends come out.

Really enjoyed this video thank you Kate. My husband and I have worked towards becoming debt free and we did it! We even paid the house off! I am a frugal person to begin with and find it challenging to make life simple. With gas prices so high I learned that I have a 13 gal. gas tank and this helps me choose how many gallons to pump at the minimal and conserve it. Thank you for helping us.

Not simplified for me! I couldn't work with just 4 categories. The more detailed the better...now, my life simplified is a different story. Over the last couple of years I've been decluttering as I moved into a tiny house (just under 200 sq ft) and have limited space. It has been wonderful to let things go and lead a more simple life ❤️

I love that you brought up Tithing. If you go a church, tithing will bless your life. Budgeting will bless your life.

For birthdays.. See if you can make the cake! It really doesn't cost much and you can decorate it with dollar tree stuff (themed items are so cheap there) be brave! Give it a try :)

I enjoy your channel and energy. As with others I'm a disabled retired person on a fixed income. yes I'm frugal, yes I save, I'm miles ahead from where I was a year ago. We each use what we learn and apply it as we can. I quilt, do crafts and I try to sell items so I can afford what I enjoy doing.

Simplify! I'm moving on Friday, a downsize to save on rent. My lease renewal was at a level I found intolerable. I figure it will save me around $350-$380 per month. I'm planning on retirement in arouond 3 years and am looking to save as much as possible. I will report on my progress after a few months in.

I use the same math on what it cost per day to live in my home it's very EYE OPENING . We always know what a hotel cost per day but few do the math per day cost of your home. . Girl we are listening to you and appreciate you.

I have several side hustles-photography, Etsy shop (newbie), and several other things I have in the works that aren’t making money yet. Oh and a pt job. My main “job” is mom/homeschool mom.

I called my insurance company and saved $500 on my mortgage insurance just by asking "How can I save on my policy?" WOW!!! My side hustle is teaching an art club at the private school where I teach. The kids love it and I'm reaching financial goals!

Retired people talk about being on a 'fixed' income as if it were a bad thing. I have found it to be a blessing. I know what is coming in each month. So I plan accordingly. Easy to simplify.

I round up when I spend money from the checking account. Been doing that for over 30 years. I'll transfer the difference to savings every 2 to 3 years, then begin again. Didn't realize it had a name, but it has been a "budget buffer"! 💙

Big Savings, and my side hustle of course is double overtime at a job I love. I recently posted that on Amy's channel, The Frugal Diaries Uploaded. I am a little over half way to funding my 6 month emergency fund! I have an RRSP, a TFSA, a LIRA, a work pension plan and I pay into CPP. This is all new territory for me. I knew i had an employer match plan for years, but i had to call and see how much we were each putting into it. It will be a year in August since I started on my saving journey. And I have you to thank in a very big way. Keep up the great content, and I will continue to go back and watch stuff I missed.

I work from home full time as a psychotherapist and my side hustle is an extension of my practice counseling parents in the evenings 10 hours a week which brings in an extra 20k to 30k a year. I really enjoyed this video and will implement these strategies. Thank you.

You can give the gift of your time. I give to my parents time in their garden or help cleaning the house. They need the help and I can’t afford to hire someone to help them.

i want to simplify my budget this year so that i have more money for my son and i for the future

Awesome video! Great breakdown on how to save $10,000 in one year! This video is keeping me motivated to save more money then I normally save monthly! Thank you, Kate for keeping us motivated every Friday! Now checking my account Monday through Friday is in my morning routine! Have an awesome frugal Friday, Kate and Kay squad!

I tutor especially in the summer.

I've learned to budget all my income generously for all contengencies. And then, each month I try to save as much on areas such as restaurants, electricity, food, clothing, gasoline, etc. Each month, any money left over will be applied to the next month, unexpected expenses, or transferred to saving account.

Love the concept,but some of us don't have that per day spare. I'm on disability, medically retired and all my expenses and outgoings are as low as I can get them....I'm going to keep on being frugal and save when I can :) already have my emergency savings sorted (thanks to k squad) x

Hello, Thank you for your content. I love that you emphasize life balance and talk about giving. Now that I’m not a broke and hungry college student anymore, I’ve learned to tip especially when buying food or taking an Uber. It was really hard living paycheck to paycheck or being in debt. I always appreciated those people that were generous and tipped. I like to do the same when I can now that I have a job that pays a living wage.

Gifting is limited to children under 18 and limit the amount for weddings, etc. Baby gifts I make like crochet blankets etc.

I live in Austin, Texas. I haven't used the AC even when it's in the 80s. Our house is well insulated and keeps cool.

I love simple I do -Bills (includes mortgage etc) -expenses (food and petrol) -savings (which I then split out into categories in savings account) -miscellaneous. (Whatever is left after above for general spending. In an ideal world whatever is left from this will also go to savings on top of our set savings)

I love the simplicity of your budget plan. So much wisdom along with the simplicity. :)

Thank you for this insight. 10k doesn't seem so bad broken down like this!

SIMPLIFY!!!!! I was trying to do too many things for side hustles and it got me overwhelmed. I'm settling on making crochet hats, which is a seasonal thing, parachute cord keychains and 100 envelope savings challenge boxes (and associated variations).

My side hustle is driving for Uber Eats and delivering food. Good side hustle!

Loving the board! 🤩 Thanks for the video! 👏🏻

Simplify! my side hustle is home health assessments, I am a nurse practitioner full time in a clinic, I paid off 50K on my school loan and credit cards last year, working on emergency fund and paying off the car next.

That budget buffer is essential!!!

Love this! I started making coffee at home for me and my husband and doing my own manicure and pedicure and wow... the amount of money we can save monthly is a lot. I know it sounds stupid but I no longer get my hair done as much and this was another savings. I started to look at cheaper healthy meals to make at home to save on groceries. We also stopped buying pre packaged foods / snacks and saw the grocery bills go down. For side hustle I do Dog walking. It brings in extra cash and I jut put in savings. I don’t even touch it.

When $10,000 is broken down into $27.40 a day it makes it a much easier goal to reach! My side hustle is selling the crafts I enjoy making on Etsy and I also do online surveys and market research with a few companies who pay well.

I just had a deck built and had half the funds saved, other half came from my distribution and my adult son who lives with me also put a quarter down as well.

Simplify. I’m 68 and retired in 2020. Pandemic has delayed my planned for trip to England. Hoping to do that in 2023 ! I have pension and 401 K rolled into my IRA when I retired. I’m in paid for condo and have low mileage (I bought new in 2005) 2005 Toyota Highlander that has 120,000 miles and runs great as I do maintenance and don’t drive a lot. I lived very close to my work for last 20 yrs I worked. Making small consistent good choices does add up. As you show. I do treat myself being retired to eating out once a week. But lots of free stuff to do hiking in parks. Taking photos with phone camera. A retired neighbor who is a pro in digital editing of photos re Photoshop is teaching me skills twice a week. Free. He loves sharing his knowledge. I’m using ideas here to help me save to beef up travel funds and to not have to withdraw as much from my Ira for little stuff that comes up. Plus I have a credit card I am paying off. That’s been my Achilles heel. So not always great choices. Just found you a few months ago and love your channel. . Love your tips. Love your energy.

I love the basic categories! I can not over complicate things. And genius break down to get to $10,000.

OMG Kate and her whiteboard! This is everything!

If giving is part of your desires and you are financially overly stressed, consider the gift of time and volunteering. Time stressed and financially stressed - consider taking a walk in the park, around the block, or down the street then picking up a little clean, safe litter. No you won't get credit and kudos as a "volunteer" but walking is a good stress reliever, can be done within a sporadic schedule, and costs no money if you repurpose a bread bag; one piece of litter is one less piece on the ground and on a path to a waterway.

I’m doing Uber as a side hustle, Instead of trying to do a lot of hours, I’ll just make thirty dollars a day. Thanks for the 27.40 a day advice

Girl! You are so right. Last weekend I spent $4-0-0 in 24 hours in New Orleans with my girlfriends!! I couldn't even tell you what on! I only bought 1 thing that cost $10. The rest was just BS ing around. I bet at least $60-90 was tips for bartenders and street performers! But, I had $500 cash in my purse for a month + now , so I said ok ...that's my budget. No running my card a thousand times (that would stress me out to see that anyways). OH!! I just recalled, $130 was my part of the hotel & gas and I had leftover money so I took everyone to dinner when we got home ($118 w tip) call that $250, I can roughly account for the other $250, so not so bad. But I do think...man I could've had that in savings. I am bad about not letting go of my money , so it's probably best that I got am experience of spending it and getting memories with my friends. Its hard to have female friends in your 40's. I appreciate these ladies!

SIMPLIFY!! I really like how you break everything down into bite-sized chunks -- it makes it much more digestible and not so overwhelming! 🌞👍🤑

You always give me additional items to think about - or think about in a different way. I need a budget buffer and savings with intention. Love these ideas. The others, on the savings side I have plans for. But I missed these two.

I have a direct selling company I partner with for my side hustle/business. I am going to start putting 200 a month in my savings. This is genius!!!!

Simplify! Side Hustles/Earning Opportunities: I am physically Disabled and a Housewife but I still work in the home, making things by hand to sell online via Etsy and Marketplace and by taking surveys online. The best paid job I have is being a frugal, penny-pinching housewife. A penny saved is a penny earned and it's hard work! Xx

I can't remember which was the "save $500" month but, we sorta, kinda did. We squeezed $500 of budgetary savings that month which we then turned around and used to pay mandatory, unpredictable, reoccurring, seemingly perpetual expenses. That savings didn't result in extra but it turned the tide towards a more comfortable budget for both the immediate and a bit down the road plus weather some unexpecteds. We dont have 10K to put fully aside nor are set up for a side hustle for at least the time being. But we will be following to get where we want to be to be comfortable.

I took in a roommate and am sewing neck wraps for a friend's business.

Use it to pay your home as payment to principal, that was house is paid off and the biggest payment monthly is gone.

Side hustle. Helping a senior 2-3x a week 4 hours each day at $20. cash. I do light house keeping, drive her places, play games, stand by as she showers. Sometumes she requests a certain meal (pot of chili divided)

POWERFUL THIS 27.40 really opens your eyes .

Simplify! I am trying to do this all the time! I have an online vintage Etsy shop to bring in money for the family. I am considering going back to the work place though because it is really hard to survive on one income in New Jersey! Thank you for sharing your tips Kate…they have really helped me! 💕😊

Hey Kate, Simplicity and Save strong. Wonderful video. I am in it will help my savings. Even if I don’t make 10 K I will do something.Feeling positive!!!!! Thanks Kaden is so precious your cats also!!!!!

What if you look at the backwards? Look at savings then debt then monthly living. Make cuts on living to accomplish savings and debt goals

I have a list for gifting, so shop year around second hand or letting go of something I've been given and not using. Last Christmas I gave two close friends good quality jewelry to downsize.

Ways to save on utilities. Swap out your bulbs for LED. Wear a sweater and use throw blankets around the house in cold weather. Check your windows and doors for drafts, and fix them. I’ve had top windows slide down, creating freezing rooms. Joanns often has outerwear fleece at 40% off. Get 1/3 yd (12”), cut the short ends about 2” in, every inch or so for fringe. They make excellent scarves. Also, get two 1-1/2 yd pieces that go together nicely (maybe a print and matching solid), sew together to create an inexpensive and warm throw blanket.

Great video as always! It was good to see Buns again. He is truly missed.😔

Happy frugal Friday 👍 Expand & squeeze your budget 😂

Simplify. I have to budget carefully.once our benefits are gone,we have to wait a month for the next benefits drop. We are on a budget plan for internet, electricity, and a rent subsidy.(not section 8) we do get EBT and I have medicaid.we try to keep expenses as low as possible.even food.

My side hustle is working a second per diem job and selling gently used clothing on Poshmark.

I work a full time job during the week 7-3 or 8-5. Me and my husband are trying to get out of debt this year. But I’ve saved a lot recently I would get Chick-fil-A everyday at work $15-20 cause I got it delivered I’m saving a lot

Great video. Love your tips. You are a smart lady. I can always be more frugal. With each birthday, increasing safe funds is so important. In a couple years, RMDs will be deducted on my IRAs. I should have been smarter in my younger years to set up ROTH accounts instead of Traditional IRAs. You are at a perfect age to focus on this. It will be a WIN WIN.

SIMPLIFY ! So simple so effective👍😍

Saving 10,000 a year seems impossible for me, however I have a plan :-). I retired 10 months ago, and its been an adjustment. I have enough money to take care of monthly expenses. Added income has been working temporary assignments. I put 100 from paycheck into my checking account for gas for the car, and the remainder save or pay off debt. So far this year, I bumped up my emergency fund a little, and then funded my sinking fund for 2022. I like Kate's idea of having a budget buffer, may do that next. My dilemma is saving up for a newer car (mine turns 20 this year!) or paying down debt. Thinking of doing half saving and half pay down debt. Car still runs great. Car prices are outrageous hoping they will come down later this year.

Amazing girl! What a fantastic thought…. 27 dollars a day for 10 grand a year…. Mind blown 🤯

I sell art and even pickled goods as a side hustle. It just happened randomly, I gave a jar of pickled Horseradish to my mum's husband for Christmas gift and now he loves it so much so both he and his coworkers wants to buy from me. And I am a humble artist and it happens someone wants to buy from me. I am working on being more brave, but still so why when I make it myself. I am also working on writing books, but that will take a while if ever to earn by it. Now I am gonna declutter my daughters clothes to find something to sell 😊

Simplify and Big Savings 🙂 hey buns. Hope you all have a great weekend Kate.

You look very nice today Kate 🙂 anyway yep big savings- today I was in a meeting at work and I couldn’t believe how many people were talking about opening new cc due to the economy- also buying fancy things and complaining- we have unlimited overtime no one really does but the same ones are talking about being broke - I felt so alone 😂 side huddle overtime and selling part time on a selling app

😭. I had a weak moment. March 3rd when I got my social security, I took myself out to dinner with a couple of beers. $28.38 😱 what was I thinking! That’s a half tank of gas or at least it was then. Tracking my expenses has made a huge difference for me. But watch out for those weak moments!

Big savings!!! I have a couple side hustles... I sell houseplants on FB marketplace and clothes on Poshmark!

My other side hustle is buying real estate for cash in mid western states where it is cheap

I’m a part-time caregiver, so I can achieve my savings goals.

Simplify. Thank you!

Hi. I went and got a part time job and i also donate plasma. My goal is to pay offmy car this year. I really enjoy your videos. Thank you 😊

Just love this woman!! Yea i dont do sinking funds either. I always leave plenty of wiggle room in my main checking acct. U gave it a name, "buffer" and now im calling it that!😁 Im getting more aggressive towards saving for the future elder me and also my emergency funds. I want to see 10k in each! So i have been watching closely what i spend. Im also doing christmas giving early, getting it all out of the way by October. Only spending for like 4-5 ppl. Gonna make this a habit every yr. Great vid!!💖

My side hustle is doing book keeping and admin for a construction company working from home so fits perfectly around my main job

Pet sitting and house sitting is a great side hustle.

"Wise and intentional" - Excellent advice!

Simplify! Thanks, Kate.

Side hustle is my new career as a life coach...while working full time as a teacher. "Soon" life coach will be my full time gig...in April 2026! Eyes on that prize.

I tutor and make $30/ hour….$600/month

Great thought provoking video!

Gifting: most people either don’t really want or don’t remember a lot of purchased gifts they’re given (think about what you’ve received). A gift of time (babysitting so the parent can get a break, for instance), homemade items (scarves, dinner, provided these are something you know the recipient would want and use…listen to them when they say, honestly, they love that hat you knitted, or ask for the recipe for your meatloaf)… are much more appreciated, and take up little to no room, so less clutter for them (an added gift!). Make an agreement with family and close friends to NOT exchange gifts during holidays. Let’s face it. Shopping for that “perfect gift” is stressful, as well as expensive (item, gas for going from store to store, impulse buys when you’re in the store).

I am working on not eating out on weekends like we have always done. There's nothing worse than spending money on blah food that we could have made better at home!! I have a big pile of items I need to sell online.

Great share, Kate. KZfaq is a side hustle for us, too. We’ve also done door dash. We just haven’t had time lately to do it. 👍

We are retired we both went back to work and we save what we make

I'm starting my side hustle this summer...I'm a teacher and I don't work over the summer. I'm going to start a FB page and watch people's pets in their homes when they go on vacation.

Our side hustle is 60+ hours overtime at our current job. Watching this late... November 2022.

Back to basics. Love it, Kate!