When you learn to say NO to something, just remember you're saying YES to something else that may be what you want even more!

Kaden’s going to remember his mum’s example forever, can you imagine how proud he must be watching you buy your first house for both of you? Wow. And congratulations.

My big thing is traveling. I saved for months (especially when I was going through chemo for 6 months this past year). Now I get to go to New Hampshire and Maine later this week (Lived in NH for 13 years!) and going to NC the following week with my oldest two grand kids to see my daughter and her family. No regrets on spending the money because I saved and kept my eye on the prize! Congratulations on your new home!

I struggle with staying frugal. I know I could and should save more. Good news is I paid ALL debt

You are spot on Kate!! When I was a kid I remember my mom would say would you rather have that thing or go to Disneyland when we were saving to go there. Having a bigger goal helps us stay focused on what we really want.

Yess! I just bought a house last fall, and I made a "list" in my Amazon account called "New House." Every time I wanted something for the house, I put it in that list. I don't think I've ever actually bought anything from that list, and I've been living in the new house for 9 months. It's fun to daydream as long as you have the boundary set up.

One of the best things that helps me keep focused is constantly (at least daily) referring back to my written budget & spending log for a reality check & reminder of where I'm at.

"Eyes on the prize" love it 🙂 Wonderful and very helpful advice as always!

Eyes on the Prize 🙂🙂🙂

Love love the idea of the photo on my phone!!! I just made my coffee and I’m watch you. Yesterday while watching a shopping channel, I ordered 4 tops. I really do need tops, they were $100! 😱. Within minutes I cancelled them. Keeping on track, with my eyes on the prize!! We are next, you are the 3rd person I follow on KZfaq that has gotten their house 🏡 this year. I told hubby, I would love to be in our house by my birthday, October 25th.

You are one smart young lady! I am so glad that I learned to be Frugal and content with what I have. I have to remind myself that there are things that I "want", but do I really need them, usually the answer is "no". Recently I had to have a car repair done, it was $300, boy howdy was I reminded the importance of saving, car repair done and paid for. Because I drive an older car (2010) I know that I have to be prepared for repairs. (At least I don't have a monthly car payment) WOOHOO!. Keep up the great work. I look forward to seeing your new home

I find myself buying lots of little things. Plus this whole Covid situation has brought out the need to stock up on stuff. Now I think it’s good to stock what I know we need. But do I need to buy 2 years of stuff? The “fear” of not being able to buy when I need it is something I’m having to push down.

Good morning Kate! I really like the mantra of not engaging in anything that doesn’t benefit your lifestyle and your son! I will have to adapt that! Thank you.

Great response to her question! In my journey I’ve moved from a frugal mindset which leads to the feeling of scarcity to a purposeful mindset. Your question “what do I want more” is key!

'Natural' Kate is just gorgeous and i love seeing that side of you! I have a meeting about my volunteer work tonight with all the other volunteers, about getting our project back up and running as it's been shut down during Covid, and my first thought was, "Crap! Gonna have to put on some makeup and wear something decent!" lol

Choosing once and not even considering whatever the temptation is saves so much mental energy. Keeping images of what I really want strengthens my resolve even more!

Thanks Kate for keeping it real.

Greetings from Scotland! I like your content and find it very motivational. Currently saving up to pursue postgraduate study so you're keeping me on track + stopping me mindlessly spending.

Hi Kate. I must tell you about how my friends thought I was mad when I saved the deposit for my first home. This was 1976. I took the same attitude as you. I saved £500 over 2 years. Earning £64 a month from a full time job. Extra from babysitting and cleaning. I was very focused. The solicitor said to me on completion. "I hope you know what you're doing"........!!! Well it turned out I did. Love your channel. Straight to the point. Too many you tubers are full of waffle!!!!!!

I just found you and YOU MAKE SO MUCH SENSE 🥰💓. Thank you for sharing and thank you for doing it even when you are "clawing your way to the finish line" 😊😊

Good for you being real!!!

So excited for you. You sure have worked hard and really deserve to have a home.

I'm retired and won't or don't spend anything till I get my lightbill. That is 2 weeks w/o spending. Then I pay light bill and grocery shop with my list I have made. Being able to save so much more that way. Thinking of down sizing and get an apartment. No more grass mowing to pay for. I do a lot of your frugal tips. Thank you for sharing. ❤😷❤

Congratulations Kate and Kaden 👏🎉🎊🏡 I am so very proud of you and all you have done to come this far on your financial journey and truly it seems to be a journey of happiness. I wish you many many wonderful years in your new home. So excited can’t wait to watch videos from your new location. It’s going to be very tempting, to purchase things for the new house but I know you got this and you will make it beautiful in your own one step at the time!

I am thankful I found your channel- Thank you. Frugal living here I come - let my saving journey begin!

Definitely eyes on the prize!!! Everything you stated makes so much sense-basically everything you said really relates to me in a different way- I’m really trying to lose weight- I joined weight watchers at the end of December just before New Year’s-I have lost 31 pounds so far-two of my main goals are to exercise and to drink water-and basically what you said in this video really also applies to losing weight-

Totally do these!!! Very helpful!! Were crushing baby step 3!! I pull up our account evey day to remind myself how close we are!! Helps me say no to "stuff" that would keep us from getting out end goal faster

Howdy there Kate! KZfaq kept suggesting this video for me to watch (again). I really needed this today!

First step is know your WHY!

Kate thank you so much for your authenticity. You are a true inspiration....because your true self is so beautiful!

The book by David Bach The Automatic Millionaire is a great book to help get your finances on auto pilot. It helped me and I first was trying to get a hold of my finances.

Thankyou for this video kate, your frugal ideas, and motivation are keeping me on track! ♥️

This helps Kate, its a good path to use! Youare close to 16K subs... wow it was 14K not long ago!

Omygodess!!! You are doing amazing ❣️. Moving is huge!!

Great video, Kate! It really helps us to focus and keep moving forward to accomplish our goals and NOT get distracted.

If online shopping is a trigger,delete those apps,block those emails.catalogues,atraight into trash can. Buy only what you actually need,after searching your entire home to see what you already have.make meals out of what you have.brown bag it to school,work,etc focus on your 4 walls.living,transport,food,medical needs,ansolute must have.not eating out.not starbucks.not beauty treatments at salons.do that yourself.its cheaper.

Great conversation!

Congratulations 🎉

OMG you are sooooo damn cute Kate!!!! I still am not use to your Monday videos, so I am always surprised when I see your face when I open youtube up. I love that you add things as life goes on. for instance, Christmas was super!! Always looking forward to any advice you give me. Thank you. Love seeing a new video on Mondays! Keep up the good work!

Love the transparency Kate!!!! I appreciate that. I am trying to become more frugal and not be crazy when spending

Awesome creed!! 🤗❤️👍

For years I’d ask myself, do I want this more than a house? - that would stop me buying things! Now we’ve got the house though (since last August) I want to spend again!

You look beautiful! My husband always tells me not to worry about makeup. More beautiful natural, saying the same to you!

Great advice!!! Do what that good for you or for your lovers and stick to your values!

Kate you're the best! Taking note for my next video 😊

Congrats 🎊

Good morning beautiful! Great tips as always. I have to stop myself from spending on Amazon because a new car will be more beneficial right now lol!! So happy for you and Kaden!!

Excellent

This really helped me today . Thank you, Kate 🌸

Love your video's so much x

Great video as always ❤️

making coffee/teas/ice tea/lattas at home

I feel your pain. I have an Amazon problem. LOL

Wow!You took a question from someone in Sydney ? Cooooll i am close to sydney... in australia

Thanks for the invite into your brain 😂 Made me think of creating a policy & procedures to be prepared to stay on track 👍 Upside down Buns 😹 Aww thanks. You're so welcome 😻 Keep going you're almost there! ☕🏊🏠

A tip for people like me that love Starbucks. You can youtube just about any drink and theres copycat videos on how to make your favorite Starbucks. 😁 i was spending about $14 everytime we went to get me and my husband a venti matcha and our Daughter chocolate milk. Now i just make our own and i keep a half gallon of chocolate milk that i can half with regular milk.

All your videos have this feel of being ready to deliver the information.

🏠 CONGRATULATIONS 🎉🎈🍾 again and I hope everything goes smooth with your move.. Thanks again for all the great advice, and by the way I like these two different videos/ format... 🤩 have a great day!

Cant wait to see the new house!! You taking us along for the move? Frugal packing/moving/decorating :) so so excited for yall!!!!!!!

Hi Kaden! So glad to see you in the video. Kate, you are such an inspiration. Love your excitement.

Son, savings, and Soul! Brilliant!!

Congratulations on your new house. You are so motivated it's really awsome to see that. Makes me wanna save towards a goal. Thank you for sharing and good luck on your move. 😊❤

I include Starbucks in my personal spending budget so I'm still able to enjoy my day 😂 lol

Great video! i know it is so crazy with moving but you're doing it girl!!!!

Great video thanks

Kate has spoken!! I love the wallpaper idea!

It is thrilling to watch as you cruise into this exciting goal! Best of luck this week with the big move! xo

Love Love Love your channel! So excited for you buying your first home!

Also...shopping is a life habit. Instead of spending as a habit then perhaps its good for her to try and spend time doing something else.

Your amazing! Thank u for your honesty

Fair play to you, up to your tonsils in moving, and still making a vid🇮🇪🧚‍♀️☘

I think people shop because they get bored

Keep your eyes on the prize. Put blinders on like horses wear!

recycle all jars

I just join your channel. Your cat is adorable.

💪🏼💪🏼💪🏼

Kate, you look really good with your hair up!

Moving... rates right up there with child birth ! lol Extremely hard, seemingly never ending, and yet at the end you get something amazingly wonderful ! tfs 💗💗💗

I like to "window shop" on Amazon. My wish list is getting crazy long. Everything from expensive recording equipment to teaching materials to clothes to kindle books to... yeah.

I'm raising my grandson and I always tell him "if your ass sits on it, it's not an asset.AND The 7 P's..proper planning and preparation prevents piss poor performance.

Good tips! Thank you very much! ツ

i like your creed

Good luck with the move! :D

Such good advice!! If shopping is a trigger for me, I stay out of the stores and I don't allow myself to shop online. Of course I always have a "wish list" going. If I'm always buying the little things ($50 or less) then I will never be able to buy the big things. Something that helps me to stay on track is a visual savings tracker that I got on debtfreecharts.com.

Hello Kate I have been enjoying your channel lately. I watched a video that you mentioned some cash reward apps that you have used. I can’t seem to find that video again. Can you tell us the apps that you have had good experiences with/ maybe do a video on it or reply back. Thanks so much for all the helpful tips! 💕

This one.simple. Why am i spending all my money? What is going on.am i upset,bored,angry,sad,etc. Next,redirect my energy.nothing wrong with a small treat once in a while,but if you blow all your money,that is a big problem. Ask yourself:is this item really worth the extra hours of work?is this worth debt?is it worth the stress of not having any money for needs?

If i see too large a balance i REALLY want to spend it. I just moved a chunk into an ISA as i need it for later in the year so cant spend it now. But i use sink funds and percentages to decide on extra spending categories. Im allowed to spend 10% of disposable income on me. If i dont want it one month i save it for when i do

Faux budget Works always super! 📒Also befor buying any item. Having a goal and a budget and regularly update it🗓✏, slows me down 📉. because l know l can spent this much at this time and have to choose. 💰Savings is first set a side and for a good reson! ( any one can accidently spent if it is free in your wallet or bankaccount). I do not search online on shopwebsides for fun💻,. 📬 and have a note on my mailbox saying I have everything allready so i do not need advertisement brochures . ( IN THE NETHERLANDS EVERY HOUSEHOLD GETS THEM EVERY WEEK FROM ALL THE SHOPS IN THE AREA normaly). I am not getting daily/ weekly ads in my 📧e mail from stores l sometimes visit. When l need or want something because the old one is broken or i really miss like plant in the corner of our room we fix it if we have budget for is or we pause⏸ and the item goes on next months budget➡️📒.

💖

know your why

x husband just scammed out of 4000 cad by phone scammer

Are you wearing an Alzheimer's tshirt?? I work for them.

I set up new habits and new systems right after I make the goal. For instance, I impulse shop. 1. I decided not to do that action. 2. I decided what I would do with the money I didn't spend. 3. I decided I would save it. 4. Next time, I was in town...hello... there I was, impulse shopping anyway. Sigh.... So I regrouped. My desire is strong but clearly not as strong as my need to impulse shop. How do I do this differently? REPEAT STEPS 1, 2, 3. 4. NEXT TIME I WENT TO TOWN I BOOKED SOMETHING ELSE I HAD TO DO BACK TO BACK with my legitimate reason I was in town I didn't have time to shop, or I would be late. TIME after that, when I WENT TO TOWN, I MET MY FRIEND AT A CERTAIN scheduled place and time. This became a new habit. I stopped impulse shopping because I was doing something else. IN OTHER WORDS, I CHANGED NOT ONLY NOT SHOPPING, but ALSO NOT BEING ABLE TO SHOP. I started to develop systems that supported my desire to not shop. Hard work and failures. The first time I left my visa home, I was BELIEVING IF I DIDN'T HAVE IT I WOULDN'T USE IT. WELL, MY bank card did not work. I was mortified. However, I persisted in my resolve not to carry visa, this new action became a habit a new system and voila I didn't have to use will power or desire to not spend money because I did not have the darn card burning in my wallet. I try and try and try to change how I live so I can be successful. Some ideas stick and others don't. But the ones that do work plug up another hole in the money bucket. Over the last year, I have changed many of my behaviors. In fact, my whole life. Instead of watching my old regular entertainment, I watch men and women talk about frugal living, stoism, recycling, gardening, budgeting, pantry prepping, lifestyle, goals..... Then I try this and that. Slowly, I have transformed my financial life. Try reading Atomic Habits. There are many excellent books out there that I use as a resource. This one resonates for me. Good luck.