How to Live Below Your Means This Year/Saving Money with Frugal Living
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Күн бұрынIn this video, I am showing you how to live below your means to save money this year. Frugal living and budgeting has changed my life. If we spend less than we earn, it will work every time.
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@bria2596 2 жыл бұрын
"Where there is a will, there is a way." A true story. I know a woman who left a violent marriage in the dead of night with her two young children, and what she could fit into her car, driving from the west coast to Texas. No child support - nothing. Twelve years later, Mary was still working three waitress jobs, including one in a family owned restaurant. They loved her from day one, and "adopted" her and her children into the family. Besides running the restaurant for 40+ years, the owners (who are amazing people) had started buying rental property beginning in the 1980s in Austin. Mary learned how to buy property from them, and on a triple waitress salary, she bought her own home, and has purchased two rental properties. The owner told me, "Anything Mary touches turns to gold." Mary does not see obstacles, she sees opportunities everywhere, and she makes every dollar do the work of five dollars. "Where there is a will, there is a way."
@watchmethriving Жыл бұрын
Yes, there there is a will there is a way!
@olivionb Жыл бұрын
A damn good motivational story. Thank you for telling her story. 🤔🙂
@boqueronbecky6977 2 жыл бұрын
I deserve to live debt free. I deserve to live in my own tiny home that I can easily afford and maintain.
@KateKaden 2 жыл бұрын
YASSSS!!!!! Becky this sounds great!
@Lola19 2 жыл бұрын
Hello Kate! Great video! I have definitely struggled some times with the ‚I deserve it‘ trap. However a couple years ago I found the solution for me. Whenever I find myself justifying something with ‚I deserve it‘ I say to myself: Yes, I deserve it. But I deserve freedom more than anything and that’s why I choose not to buy it. I know freedom of financial worries will give me peace of mind and that’s the greatest gift to my future self. 😊
@TermiteVideo 2 жыл бұрын
Nice one Lola
@KateKaden 2 жыл бұрын
YASSSSSSS LOLA!!!!!!!!
@nurrydalimonthe1304 2 жыл бұрын
This is great! Thanks Lola! I will try it!
@deniseb7370 2 жыл бұрын
Happy Frugal Friday! Because I sometimes spend money mindlessly, out of default, I write on the calendar 3-4 days that are “No Spends”…if I go to town (I live in the country) to run an errand, I have to constantly remind myself it’s a no-spend day, & try to do things that are free - go to the library, walk at a park, sit in the sunshine, call/text a friend, go through the car wash (monthly membership), drive through a neighborhood that inspires me, etc. I bring something to eat & drink with me to help curb that temptation! When I get home, I feel good about myself…if I stuck with it! 🤣
@KateKaden 2 жыл бұрын
Love this Denise! Thank you so much for sharing with us!
@deniseb7370 2 жыл бұрын
@@sdmartin00 Yes! I always feel like I need to batch errands & do it all when I go to town!
@katiehorn7138 2 жыл бұрын
Not eating out is super hard for me. I can go without new clothes, makeup, household, etc, etc but man I love eating out 😂
@KateKaden 2 жыл бұрын
Ohh!! Well in that case, going forward, you can definitely build eating out into your budget! It's that's the thing you love most, skimp on the things you don't care about and go out to eat! :) Thank you so much for sharing with us Katie!
@JudithMcPheron-pb9lv 4 ай бұрын
Thanks Kate! These old videos NEVER grow old. The biggest struggle I have is the high inflation of 2023 and 2024
@KateKaden 4 ай бұрын
Thank you so much Judith!
@myaccount9498 2 ай бұрын
Yes it's still very relevant in 2024!
@joannapatterson4625 2 жыл бұрын
Saving money and planning is a form of self care. I deserve not to live in complete poverty in my old age, so I’m planning for this now.
@KateKaden 2 жыл бұрын
YESSSS Joanna!
@tennesseenana4838 2 жыл бұрын
Kate - once again you hit the Commonsense target in the bullseye. We live in such 'give me NOW' times that saving or waiting for something doesn't seem to enter our minds. Being bombarded daily with hundreds of ads telling us we have to have this or that doesn't help. There's a saying 'the joy is in the journey' which to me also says it gives me something to look forward to having or doing. I'm planning to take a vacation this spring and it'll be a totally cash/debit card vacation. I can return home without having any bills from it, so I know that will mean I'll enjoy it even more.
@elainezanavich9337 2 жыл бұрын
I absolutely agree with. Perfectly said
@KateKaden 2 жыл бұрын
Thank you so much!!! YASSSS!!!!
@metube0309 2 жыл бұрын
I have lived on a zero-based budget for decades. I created a template for the smallest bi-weekly check which enabled me to live below my means most of the time. I wear thrift store clothes and make my own meals .
@KateKaden 2 жыл бұрын
Nice Nia!!!! Thank you so much for sharing with us. I'm so glad you're here!
@mariemartinez5892 5 ай бұрын
That's a really good idea
@randyo6019 2 жыл бұрын
It’s really tough but I was able to save 6 months worth of mortgage emergency money in case I loose my job. We do live in a materialistic world but you do need to prioritize what really is important. No one’s gonna pay your bills except yourself! Love you girl!!
@kimberlyfitzgerald1364 2 жыл бұрын
I miss traveling but leaving below my means is as ingrained as breathing. Saving for a house and I am totally focused on that goal. Blessings to everyone!
@KateKaden 2 жыл бұрын
Love this Kimberly!
@catherine-wyestael-9427 2 жыл бұрын
I think I struggle the most with impulse buying and saying "no". It's my extras at the grocery store if I don't do a pre-order and pickup, it's my husband's little charges at the gas station for soda fountain drinks, waters, energy shots, etc. that add up remarkably quick. It's saying "no" to buying something online to cheer myself up or make me feel like I'm having fun if I'm struggling with seasonal blues.
@KateKaden 2 жыл бұрын
Hi Catherine! Seasonal blues can be brutal. Thank you for sharing with us! I am cheering you on! I'm so glad you are here.
@BackroadMoney 2 жыл бұрын
As always Kate great video! For me, the greatest form of self care is peace. I look at saving and investing as "buying" peace of mind. It gives me the feeling of a purchase
@KateKaden 2 жыл бұрын
LOVE THIS!
@capecodder8655 2 жыл бұрын
The biggest hurdle for me is sometimes finding balance. Saving for the future but still remembering to enjoy today. I’m always planning a future but need to remember this is the one day I have for sure.
@KateKaden 2 жыл бұрын
YASSS!!! I hear that!
@capecodder8655 2 жыл бұрын
❤️wise words, live below your means!! Covid-19 has altered our lives, we found eating at home more, entertaining ourselves at home more, less need for new clothes, etc. it’s changed our habits for sure.
@KateKaden 2 жыл бұрын
Totally!!!
@jenniferstewart1499 2 жыл бұрын
Thank you Buns...such profound knowledge!and thank you Kate for such accurate translation
@KateKaden 2 жыл бұрын
He knows a LOT! HAHAHAH! You are very welcome Jennifer. So glad you're here!
@Mamacoffee2022 2 жыл бұрын
The friends I hang around determines how much I spend. Sometimes, I feel pressured to spend more money around certain people. Learning to say “no” or offering a free activity instead feels more freeing with those certain friends.
@KateKaden 2 жыл бұрын
I totally hear that! I feel that too:)
@MsSarahJam 10 ай бұрын
I'm watching this video again after one year and it's so refreshing to hear the suggestions for a second time.
@KateKaden 10 ай бұрын
Love this! Thanks so much for being here!
@MsShadowLlama 2 жыл бұрын
Large furniture purchases are the category that tends to stress out me and my budget. I have hand-me down and second hand furniture, but have needed to buy a few addition pieces (couch, bed, mattress) for my house. These purchases are large compared to my typical spending and straddle the need/want category for me which I think is what makes them stressful. Sure I could have a room with no furniture, but that seems impractical. My current strategy is to prioritize which items are most essental, do lots of research to find the best value, and stagger the purchases over time.
@KateKaden 2 жыл бұрын
Hi MsShadowLlama! Thanks for sharing with us! Large furniture purchases are like..AHHH!!!!
@coettahannah3403 2 жыл бұрын
If your matress is pretty good you may want to just buy a good topper for it for now as to have more money gor the bed I have a good one I got on sale but would really like to have a MyPillow mattress topper but cant afford it now..
@lorettacarroll6015 2 жыл бұрын
Thank you. I started doing this about 5 years ago. It has been a little out the window 2020 through now due to cancer and other medical issues along with my oldest cat getting diabetes. So I am working on stabilizing again and keeping track of the new expenses.
@site_is_down 2 жыл бұрын
I can totally relate to this. The past few years were difficult for a lot of us and this pandemic made it worse for some, but it's overwhelming to see/read stories like this, I hope you can bounce back stabilize again as soon as possible. Keep the spirit and I wish you all the best. see you around :)
@kelleyspears1218 Жыл бұрын
Beware also when you’re married about having the same mindset as your spouse. My husband, when he was working, would always use the phrase, “It’s only money, I’ll make more tomorrow.” Then when tough times hit with his job, things went downhill real fast. It’s the mindset of someone who believed that because they worked and had a crap upbringing they just deserved everything and anything they wanted. Things have stabilized through the years, but there were some really tough years and a lot of wasted time that you just can’t get back.
@rough-hewnhomestead5737 Жыл бұрын
I so agree with this. What you said about 'deserving vs. can i afford it' (paraphrasing...) It's true. We can find less expensive ways to have some deserved jollies--on the cheap. This is how I stay sane while cutting expenses and saying 'no' to myself....by allowing myself free or cheap thrills like an hour with a book I already own...a special food or dinner made at home...time outdoors, etc....whatever your thing is. Thanks for the great advice!
@KateKaden Жыл бұрын
You are very welcome. I'm so glad you're here!
@AussieAuthenticMum 2 жыл бұрын
My goal is to be debt free but June and have 6 months expenses by December
@KateKaden 2 жыл бұрын
YASSSS!
@Chelle-kd1po 2 жыл бұрын
Thank you Buns & Kate for keeping it simple!
@readerbabe1984 2 жыл бұрын
My biggest struggle is when expenses come up that I didn't budget for. Example: my dog had $256.00 emergency vet bill. We have a sinking fund to cover her regular bills, not an emergency. Sometimes I find myself taking categories that are over funded and using them to cover expenses that are unplanned. It usually works out but can make my budget very messy.
@KateKaden 2 жыл бұрын
Hey readerbabe! Hmmm okay here's one idea possibly that might help? Do you have a budget buffer? Here's a video on it in case it's useful! kzfaq.info/get/bejne/d81ym5qlvd_XnHU.html
@buzzybee186 2 жыл бұрын
Dude. Pet insurance is the way to go. For true emergencies. I work in pet insurance and assess claims for 6, 7, 8+ k. Dog ate a sock, cat jumped and fell from kitchen counter, owner gave the dog ibuprofen, spontaneous medical emergencies that you could in no way minimize or mitigate. Pet insurance never will cover a pre existing condition but I can save your ass (and your pets life) for a true emergency.
@janallen541 2 жыл бұрын
What pet insurance do you recommend?
@kasandrabrown8611 2 жыл бұрын
A large chunk of my budget goes to the health and welfare of my 6 cats. I enjoy taking care of them. They bring me joy.
@pamwilliams6630 2 жыл бұрын
I have birds, finches and button quail. I budget their food into my food budget.....same for my daughter's birds. She's a teen and I'm trying to get her to pay for her own bird food, but the relationship is important to me, therefore I share my bird food with her when needed. Hoping she will learn by example:)
@KateKaden 2 жыл бұрын
OH YES! Gotta take care of those cats!!!!
@vickiewilliams7907 2 жыл бұрын
Yes I'm here lol, Thanks for Frugal Friday's!
@KateKaden 2 жыл бұрын
You are so welcome! Hope you have an awesome weekend Vickie!
@lisagardner9798 2 жыл бұрын
As always, appreciate your videos! I have goals and I’m sticking with them!
@KateKaden 2 жыл бұрын
Thank you so much Lisa! WAY TO GO!!!
@kathrynstanaway6398 2 жыл бұрын
Thank you Kate, this makes so much sense. Love your video's such great advice xx
@KateKaden 2 жыл бұрын
You are very welcome! Thank you so much for watching!
@tressalewis7004 Жыл бұрын
You fill my heart! Another great video!
@KateKaden Жыл бұрын
Thank you so much Tressa!
@jonnaborosky8836 2 жыл бұрын
Love you, Kate! ❤ Keep up the good work, girl!!
@KateKaden 2 жыл бұрын
Love you more! Thank you so much!
@alexandria7107 2 жыл бұрын
Gooood morning! Happy Frugal Friday, K-Squad!!! 😀
@KateKaden 2 жыл бұрын
Gooood morning Alexandria! HAPPY FRUGAL FRIDAY!
@seekingserenitydaily 2 жыл бұрын
Thanks for the kinds words of truth ... my word of the year is "TRUTH"!!
@KateKaden 2 жыл бұрын
PERFEEECCT! LOL! Thank you so much Michelle!
@tiashadae1143 2 жыл бұрын
Key and critical points, thank you!
@KateKaden 2 жыл бұрын
You are very welcome! Thank you for watching🙏
@christinewallace9251 2 жыл бұрын
Great video and message. We all deserve the peace that paid off debt and being able to pay our bills brings!!
@carlasstudydiary5807 2 жыл бұрын
I needed this so much. I still need it and I find myself regulary back here. :)
@KateKaden 2 жыл бұрын
I'm so glad it was helpful!!! So happy you're here. Have a great week! See you soon!
@Nabila65NL 2 жыл бұрын
What a powerful video! Thank you Kate. You are such a inspiration 💕💕
@KateKaden 2 жыл бұрын
Thank you so much🙏🙏
@soniab.estacio3008 2 жыл бұрын
Excellent Lady 😘thank you !
@michelleparks4582 Жыл бұрын
Thank you for the link, Kate! I liked the video so I know I have watched it before lol. But I watched it again. So I guess my way of doing it is the best way. 😘
@TheLongRunwithJoelandChristy 2 жыл бұрын
I couldn’t agree more about the deserve it mentality. Well said. 🙌
@KateKaden 2 жыл бұрын
Thank you so much Joel and Christy!
@kristiarth2759 2 жыл бұрын
I seriously love me some Buns❤️❤️❤️ Great content as usual Kate and Buns!
@KateKaden 2 жыл бұрын
Oh that Buns! HAHAHAH! He's the sweetest. Thank you Kristi!
@thebusybees2006 2 жыл бұрын
Happy Frugal Friday, Kate, Buns, and K-Squad! Have an awesome day and weekend, too ! Thanks Kate for this video! You rock!
@KateKaden 2 жыл бұрын
Thank you so much Busy B!
@thebusybees2006 2 жыл бұрын
@@KateKaden You’re welcome
@managing_the_motherload 2 жыл бұрын
OMG til debt do us part! It's my fav 😆❤️🤷
@Julie-si3hi 2 жыл бұрын
Saved this to watch until the weekend! X Yup,your heart to heart is so spot on, I hear my friends say it all the time,mainly from those in debt :/ My biggest struggle is medical needs.
@jackson5618 2 жыл бұрын
Makes perfect sense. Will be asking myself these questions! Good points!
@KateKaden 2 жыл бұрын
Thank you for watching Jess!
@jackson5618 2 жыл бұрын
@@KateKaden I love your videos. They are so encouraging.
@ruthieruef2185 2 жыл бұрын
This all made sense. New to your channel very glad I found you. From 🇬🇧
@KateKaden 2 жыл бұрын
Welcome to the family! I'm so glad you're here!
@cathyphillips679 2 жыл бұрын
A saying that really helps me is..."Peace begins where expectations end"
@thebusybees2006 2 жыл бұрын
That’s good! Thanks for sharing!
@KateKaden 2 жыл бұрын
YASSS! Thanks Cathy!
@charlynehill5999 2 жыл бұрын
The price of anything is the amount of life exchanged for it. (...LOVE THIS REMINDER)
@nurrydalimonthe1304 2 жыл бұрын
Your video happened to appear on my timeline and I immediatelt subsribed! Great tips Kate! Thank you!!
@KateKaden 2 жыл бұрын
Welcome to the family Nurry! So glad you're here!
@nurrydalimonthe1304 2 жыл бұрын
@@KateKaden Thank you so much for your warm welcome!
@jackiemcos1407 2 жыл бұрын
Man when you list out everything we have to do it is overwhelming!!!!
@KateKaden 2 жыл бұрын
Right? Ughhhh! Too much
@jackiefields1607 2 жыл бұрын
You are the straight-talking sister or aunt we all need. This is so needed! I writing before I even finish the video.
@KateKaden 2 жыл бұрын
Thank you so so much Jackie!
@tuttsclumpcottage7911 2 жыл бұрын
My downfall is when I see a need in others I give. That need might be time, money or other resources. Not a bad trait except sometimes I forget that I have to have food or heat or clothes too. I will be working on a budget this year that allows for me to give but in a more structured planned way. I have already said no a few times and while I am still not comfortable with doing so the hope is there that it will get easier.
@atdepaulis 2 жыл бұрын
It’s awesome to have such a great heart!! I had to do this with more structure too.. have a budgeted amount I can give out to others.. budget more time to help those that need my time versus money.. but even with that we cannot do it all so still have to “budget “ our time wise also… otherwise I am overwhelmed and grumpy lol
@tuttsclumpcottage7911 2 жыл бұрын
@@atdepaulis So true Amy...feeling overwhelmed and grumpy defeats the whole purpose of giving with a joyful heart.
@KateKaden 2 жыл бұрын
I LOVE THIS! I can tell you are an amaaazing person and I love your plan! Keep giving and takie care of your needs. YASSS!
@kimberlybotkin7060 2 жыл бұрын
This video WAS useful, thank you Kate!
@KateKaden 2 жыл бұрын
Thank you so much Kimberly! So glad it was!
@pigletsbank437 2 жыл бұрын
❤️ To💝 I have no high income. I find it worth to live frugal and don't feel deprived, because I KNOW : NOT SPENDING NOW gives me very much fun, good quality experiences/goods and great use and memories LATER. It's worth it, YOU ARE WORTH IT!!
@KateKaden 2 жыл бұрын
Thank you so much for sharing with us!
@sandrafromscotland 2 жыл бұрын
Keep squeezing Piglets bank 😊
@pigletsbank437 2 жыл бұрын
@@sandrafromscotland I will squeeze Sandra! It's so empowering to gain control and have good/ happy live
@makeupgirl8886 2 жыл бұрын
Buns is so adorable!! It's distracting because I love to see him being such a happy cat. Your tips and advice are so helpful! Thanks for making your videos, Kate.
@KateKaden 2 жыл бұрын
That Buns!!!! He cracks me up! Thank you so much Becky!
@batchofzooms 2 жыл бұрын
I’m an impulse spender, and I tell myself “I deserve it” a lot, so your talk really helped.
@KateKaden 2 жыл бұрын
I'm so glad!!! Thank you for sharing with us!!
@dazywings 2 жыл бұрын
I remember that episode with the vacation couple. Good stuff. Basic needs= Scorched Earth. Going scourched Earth on the budget, even for a month, can really help move the needle.
@tamihill4229 Жыл бұрын
I started a small vegetable garden in pots I have 🍅 carrots and spring onions and lettus
@kelleyspears1218 Жыл бұрын
As someone who has always had a semi messed up relationship with money, I’m going to throw in here that the deserving it attitude is hard to break, but it can be done.
@katebaker8763 2 жыл бұрын
i have missed your videos this week! totally with you on this concept vs this reality! sailing through and seeing the benefits of a no spend January shooting for the 1st quarter no spend!
@KateKaden 2 жыл бұрын
YASSS KATE!
@vegansinthewildover5023 2 жыл бұрын
I’d like to try a first quarter no spend with you.
@jessdrake2422 2 жыл бұрын
Enjoy watching your videos, they are so encouraging, my biggest struggle is getting used to having a payday of once month instead of weekly I recently had to quit work and go on disability, where I worked was each work station had to be maintained so I was mandated to work when someone called in from the next shift, which was overtime for me
@amy2284 2 жыл бұрын
Hi Kate- I love what you said that we can both acknowledge that we deserve to go on vacation or buy something and at the same time deserve financial peace. My word for the year is acceptance which I embraced from your book 📖 reading of “The Power of Now” where Eckhart Tolle said the key to stop suffering is acceptance of what is. There is also an old Spanish proverb that goes “God says: take what you want. And pay for it.” We can choose go spend on things we deserve, but the financial cost is what we have to pay for. We can choose to save wholeheartedly and the cost is discipline and adherence to the steps to achieve the goal. This reframe of thinking puts the power back in our hands and that gives us the wisdom and inner strength to act accordingly. It’s always our choice - we just have to pay for it.
@KateKaden 2 жыл бұрын
OMG, Annie, I love this!!!!
@PM-vd2fs 2 жыл бұрын
Thank you I so needed this 😊
@KateKaden 2 жыл бұрын
You are so welcome!
@suebee1540 2 жыл бұрын
Happy frugal Friday. Hugs to Kaden. My biggest struggle is online poker. I don't spend more than I make but that money could go to my retirement savings. January no spend is a fail. Back to the drawing board.
@KateKaden 2 жыл бұрын
Hi Sue! Online poker huh? How long have you been doing that? Can you "fast" on poker or a bit? I can imagine it could get quite addicting because it's so fun when it's fun and it's misery when it's not, right? AHHH! Listen, if no spend is a fail, brush yourself off and start again right now. We are not going to get this right 100% of the time. We will fall and fall but as long as we keep getting back up, we can keep it moving. Vow to do a little better today and be confident you can do ANYTHING you put your focus on. I'm CHEERING YOU ON SUE!!!! Thank you for the hugs for Kaden!!! Appreciate you so much! I have so much faith in you!!! What's your next biggest money goal you want to hit?
@shirley1413 2 жыл бұрын
Hi Kate, just found your channel and like your style and rather nonsense approach to budgeting. I practice many frugal ways of living, and it does all add up, I just subscribed, as I am doing a very, very low buy year and really tracking my impulse buying. Watching videos like yours helps to keep me on track, also i can relate to a lot of your subscribers comments. Thanks
@KateKaden 2 жыл бұрын
Shirley!!! WELCOME TO THE FAMILY! I'm so glad you are here!!!
@catgodfrey6451 2 жыл бұрын
Great tips. My biggest issue is including what if's in our sinking funds example emergency vet,
@rosepetal9748 2 жыл бұрын
Excellent advice!!
@KateKaden 2 жыл бұрын
Thank you so much!
@melissarodriguez4531 2 жыл бұрын
Great message 👏🏼👏🏼💛
@KateKaden 2 жыл бұрын
Thank you so much Melissa!
@sandrafromscotland 2 жыл бұрын
Happy frugal Friday 💜 to 💙 with Kate 👍 May I add something that helped me after pay myself first I added a line item in my budget and called it Live below my means and then intentionally started putting a wee bit into it before expenses. You could start with £1/$1 then keep adding to it to grow the gap between income & expenses.
@KateKaden 2 жыл бұрын
Love this!! Thank you as always Sandra! YOU ROCK!
@pigletsbank437 2 жыл бұрын
I love way you think! Keep those wee bits working for you!💷have a great weekend ❤️
@nguyendang3463 2 жыл бұрын
As a student without money or very limited from within. I will only buy things when needed like you say such as food and basic daily requirenments. I will not buy anything for fun like techonology or fun things only one a year to save my mom and I money. And keep everything I have in good shape and take care of what I have as well to last longer. I will go on vacaction this year when summer is here which is a Fan Expo which does cost for a ticket howeverm only do things that are FREE which I learned from extreme cheapskate shows and bring food or try to if they allow outside food. Keep up with your content I learned a lot as well,
@KateKaden 2 жыл бұрын
I love this!!!! I love how you said take care of what I have to last longer...YES YES YES! So glad you're here!
@abrareads 2 жыл бұрын
As a natural saver I always squirrel away money to make sure we live under our means. I honestly can't stand to hear adults talking about deserving things. If we can't afford it we don't deserve it. It has become an excuse to put our wants over our needs.
@KateKaden 2 жыл бұрын
I heat that Abra!!! AHHH!!!
@celiahernandez3713 2 жыл бұрын
Can’t wait 😁
@KateKaden 2 жыл бұрын
🥰🙌🙏
@frugalstu 2 жыл бұрын
Great vid as always kate. 👌
@KateKaden 2 жыл бұрын
Thank you Stu🙏
@MissNewsky 2 жыл бұрын
Hello Kate and people!😊
@rochellethundercloud346 2 жыл бұрын
Hi.
@KateKaden 2 жыл бұрын
HELLO MISSNEWSKY!!!
@marjorieconstantino269 2 жыл бұрын
I just found your KZfaq channel, terrific! I had to subscribe. Thank you for the pep talk I need it that 😊🥰. Looking forward for more of your videos. xoxo Marjorie
@KateKaden 2 жыл бұрын
Marjorie I'm so glad you are here! WELCOME TO THE FAMILY!
@helanieverster8155 2 жыл бұрын
I flip the script sometimes and reframe the words 'I deserve it' to 'my future self deserve to have saving, retirement funds, debt free, no worries about money, security etc... so don't spend money now because future self will thank you one day'. I know this is a silly analogy but it just reframes the statement - you're still doing something for yourself but in the future. You will reap the benefits in time - maybe not right now but later in life. I think it's always good to have a balance and everything in moderation because if you restrict yourself too much (by never buying anything ever) then you might go overboard and you DID work hard for your money but while in debt/having no retirement plan / no savings instead of buying a new "couch, going on super expensive vacations that you can't afford, upgrading your phone, going for lavish spa treatments, updating / upgrading things '' rather treat yourself to something small like a Starbucks coffee/treat or buy 1 book or a candle you love - something that's more attainable and won't break the bank and you still get the psychological benefits and feel of "yeah - I deserve this" but you're not completely derailing your financial life😁❤️ as always love your channel Kate!!
@KateKaden 2 жыл бұрын
Love this Helanie😻🥰❤️
@cindybelbeck6361 2 жыл бұрын
Celebrations for friends and family. I always spend more than I should for meals out and gifts.
@KateKaden 2 жыл бұрын
Thank you for sharing with us Cindy! I hear that!
@milda0820 2 жыл бұрын
I come here to learn and to be inspired. So do tell everything:) tell that we dont need to buy even if we deserve😀 and dont apologise for truth💖
@KateKaden 2 жыл бұрын
Thank you so so much Milda!!!!
@smallcountrylady718 2 жыл бұрын
Emotional spending! Going though hard relationship issues as well as health issues. I almost have the emergency fund complete thanks to no spend but i have slipped up the past few days. I need to forgive myself and keep on track for the next week and once my EF is complete I'm going to my favorite store (thrifting) to find myself a new outfit and donate everything that no longer fits me. Thanks kate
@KateKaden 2 жыл бұрын
Sending you prayers for your currently relationship and health issues you are dealing with. Sending you love from this freezing state of Maine! :):) (A balmy 2 degrees today!)
@sandrafromscotland 2 жыл бұрын
Hi Kate. Rewatch 17.02.22 pictured a flow chart during your from the heart questions to ask yourself might be good idea for your website 💡
@KateKaden 2 жыл бұрын
Great idea!
@rosenaandre7147 2 жыл бұрын
Your channel has inspired me. I started to save for a down payment to purchase my very first home. It's crazy how much money I was wasting on things i barely use.
@KateKaden 2 жыл бұрын
Evelyn I'm so happy for you! I'm so glad you're here and I'm so excited about you saving for the down payment on your very first home!!!!
@Prd64twl 2 жыл бұрын
Thank you for this great video. I spend too much on food.
@KateKaden 2 жыл бұрын
You’re very welcome! Thanks for watching!
@erikaherrmann3319 2 жыл бұрын
I love Buns so much! Reminds me of my chatty goober
@KateKaden 2 жыл бұрын
Awww! He's a sweet, sweet boy!
@ll8621 2 жыл бұрын
Great message-You nailed it. Thank you. While we all "do deserve it" there are easy substitutes that can give us that same satisfaction. For example you have the ability to substitute a bubble bath for a spa visit, a pizza you make from scratch for take out pizza, or a free ebook from the library that you wait 6 months for rather than an online ebook order. Sounds easier said than done however, I work at adjusting my mindset and see the difference it makes in living below our means. In a world where we are surrounded by instant gratification a pause when the "I deserve it" thoughts surface can really help. Thanks Kate-so inspiring.
@KateKaden 2 жыл бұрын
You are very welcome!! Thank you so much for watching 🙏🥰
@shelbygreen3404 Ай бұрын
Amazing 🤩
@wandahall4435 2 жыл бұрын
Hey Kaden & Buns Love 💘 😘 💕 ❤ 💖 💗 to You both
@KateKaden 2 жыл бұрын
Hey Wanda!
@lynningram9171 2 жыл бұрын
I do still go to get my hair done once a month. That's my "I deserve it" and it's in my budget. I am not eating out or using credit cards. I'm actively paying down debt. I will get there and still look good!
@Shridra 2 жыл бұрын
I've really struggled in the past being influenced by others. We don't have a large income compared to a lot of our friends, and so seeing them spending freely really pushed us to spend more than we would have otherwise. I find that since having our children it's really inspired us to just focus on our family and how we're doing, and to stop comparing ourselves to anyone except our past selves (am I doing better than I was? How can I change it if I'm doing worse?). Now our biggest struggle is mostly just that we're tired! (a 3 year old and a 1 year old will do that to you lol) and so there are some days that I just don't want to cook. I do try to have quick stuff in the house to eat, or to make and freeze extras, but there are times that we run to the grocery store for a pizza or a chicken meal. I know it's not a lot compared to how much we were spending, or how much we could be spending if we got take out instead, but it's still stuff that's not really necessary.
@site_is_down 2 жыл бұрын
I little progress is still a progress I may say. Having kids will make a little change in our priorities; we become more focused on our family than trying to go along with friends and catching up with how they spend their money and we become more disciplined when it comes to our finances because we want a better future for our family. Continue on that progress, and little by little I hope you can have both savings and investment. I wish you all the best and good job for being a good mother :)
@anikoignath8892 2 жыл бұрын
Thanks for posting this. I will carry with me an attitude of I deserve to be debt free, and financially stress free, therefore I will say no, to all impulse shopping.
@KateKaden 2 жыл бұрын
YASSS ANIKO!!!! You are very welcome!
@melissai4798 2 жыл бұрын
Beautiful reminder Kate.. I do deserve it… but I shouldn’t spend it….. AMAZING 🤩. Go you! Great video, love that u read every comment… love that u chat with private messages too. Go you !
@KateKaden 2 жыл бұрын
Thank you so much Melissa! I appreciate you all SO SO MUCH! So glad my videos are being helpful.
@janellejoseph8662 2 жыл бұрын
Shopping sales are my biggest weakness for items that I think I “need”.
@KateKaden 2 жыл бұрын
Oh Janelle, I hear that! Just got a 40% off coupon from Kohls and of course my first thought was "okay what do I need?"...the answer is...NOTHING! HAAHAHHAHA! Not using it. Don't need anything.
@dollarbilllife3905 2 жыл бұрын
Buns is a whole lot smarter than some of the humans I have met 🐈 😻
@KateKaden 2 жыл бұрын
HAHAHAHAH!!!!! He's definitely a smarty pants! (with no pants) HAHAHA
@donnanorris4733 2 жыл бұрын
Great video as always. Mr. Bunns made some great comments too, lol. I started a temp job this week, so yes I have fluctuations in income. Retirement income is my base budget I live on. Contract job income is used mostly for savings - and a little fun money. First goal - fully fund my sinking funds for 2022. This includes car insurance, birthdays and Christmas for 2022. After that - save up for a newer car! My car is 19 years old - planning ahead for when the car "dies". I am concerned about rising prices with food, gas and heating. No spend January has helped me see where I can cut back so I can 'keep up' with inflation.
@KateKaden 2 жыл бұрын
Oooh a temp job! Awesome Donna! Hope you enjoy it while making some cash!
@ritasmith969 2 жыл бұрын
Happy frugal Friday Kate and Ksquad. From watching reality shows I've come to detest the "I deserve more, better, fill in the blank" talk. It really triggers me now. It's just a way to justify what someone wants not NEEDS. I am planning a no/low spend year. My focus is paying down my mortgage and working on my home to make it the place I want it to be. Bought a lot of supplies last year and just need to get done the small repairs, paint and deep cleaning to make my home my sanctuary. Finding joy and being grateful for what you have really helps you live frugally and contently.
@KateKaden 2 жыл бұрын
Happy weekend Rita! I hear this!!! Right? AHHH!!!!! Thank you for sharing with us. So glad you're here.
@karinklapproth866 2 жыл бұрын
Great way to summarize this financial goal for me this year: to live below my means!! I am working on staying ahead of my medical bills that are coming up, and I am saving for a couple trips so that I do not owe money for the trips after the trips are finished. Thanks, Take care🦋💗
@KateKaden 2 жыл бұрын
YASSS Karin!!!
@leedezern6862 2 жыл бұрын
Good points! One thing that I don’t understand is what I’ve seen from some is it’s not our “fault “ when we overspend in Target. I’m like Will whose fault is it the? Lol
@KateKaden 2 жыл бұрын
YEOWWZA!!!! Right?? LOL!
@site_is_down 2 жыл бұрын
This is really an inspiring video and always on-point! I hope a lot of people can learn from this. It's time for us to focus on ourselves and to what really matters and it's time for us to think of long-term so I hope everyone can stop spending money on unnecessary things and perhaps just invest and save that for the future. If we don't change our ways of living, how can we expect a change in our status financially.
@rebeccacopeland448 2 жыл бұрын
Hi Kate. This is Becky from This and That with Denise Jordon. I’m looking forward to following your channel. Becky out of Miami 😎🌴🏊🏽♀️🏝💃🏽👍🏽🌞
@KateKaden 2 жыл бұрын
BECKY! I’m so glad you are here! Welcome to the family!!!
@tcslife4794 2 жыл бұрын
I still budget what I was making 6 years ago. As I paid bills off I allocated those funds to savings so I have savings built into my budget. What I take home over the budgeted amount goes to savings.
@KateKaden 2 жыл бұрын
That is AWESOME TC!
@paulacostello6912 2 жыл бұрын
omg i KNEW you were going to say "i deserve it"! That is such a bad mindset. I can think of a family close to me that feels that way and they are in such bad financial shape and always have been largely because of the word "deserve". For example still working at age 70 because they have no choice. what good people really deserve is **to be out of debt!!!***
@site_is_down 2 жыл бұрын
I totally agree with this! Too much entitlement for a reward or gratification can lead to overspending and we always justify it that way, but no, it should not work that way. Thinking long-term can save us in a lot of financial trouble in the future, having enough savings and investment instead of unwise spending is always a wiser move.
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