"Frugal is hard. Broke is hard. Choose your hard." BEST quote I've heard in a long time!

I went to work today and a colleague told me to get rid of my shoes( ballet pumps)... When I asked why, I was told they old fashioned and the stores have newer stock. There is absolutely nothing wrong with the pair I own. I will not be bullied for "outside eyes" I am clean and well put together. Thank you Kindly Jane and Mike. Your advice is well received

I have been debt free for a year. 2023 is a no spend year for me. I took inventory, made a list of 10 things I am not buying this year. If I want something new, I shop my closets, shelves, or cupboards. Knowing I have an emergency fund and sinking funds set up brings such peace of mind. Thank you for sharing all of your guidance and good sense.

We have finally made it after almost 40 yrs of frugality, working 2-4 jobs and raising our 4 kids to spend money the way we want. We have paid off house, full emergency fun, fully funded vacation fund etc.. no debts at all. We don’t feel guilty now to eat out, get a cup of coffee or go on a great vacation cuz we have earned it and have saved for it. This is what freedom and sacrifice look like for us . Love your videos ❤

Only 2 generations from the Great Depression here in the States. How soon we forget:( My husband and I live very similar to you and yours. People think we are odd and don’t understand our choices. 10 years ago we got off the hamster wheel of crazy consumption. Learning to be content is not only a skill but a great character trait as well. Brilliant video!!!

We now save 30% to make up for lost time. In the last three years we have started serious savings, paid off the car, paid off the mortgage and got a healthy emergency fund. You’ve been very encouraging along the way, thank you it is changing our lives. Today when we went shopping we stuck to the list, only bought what was budgeted for, paid and left (no coffee even) and didn’t hang around. You can change your mindset x

I had eight tops in my wardrobe ,all too small, never worn ,threatened by my GP with statins and metformin ( I said no thank you I will lose some weight ) , now three stone lighter, normal blood sugar cholesterol fine, off blood pressure meds and wearing all eight tops and less money spent on food, especially pasties and doughnuts so win win :)

Rich people stay rich by acting poor. Poor people stay poor by acting rich. Can't remember who said it though

Jane you’ll get a kick out of this. Last weak our stove finally died and had to be replaced. I researched what I wanted and we went in to purchase it. The sales person tried his best to convince me that I should buy the whole suite because”it increases the value of your house when all of the appliances are the same make and match “. It took him a while to understand “No thank you” and then looked at me like I had two heads when I started to negotiate price. It took almost walking out several times but we got a great deal in the end. Although after finally agreeing on the price they were shocked to learn we didn’t want to finance it! What you said in your video is spot on! Take care!

We downsized from a 3 bed house to a 2 bed bungalow (which we turned into a 1 bed) in 2021. Honestly best choice we ever made, our bills are a fraction of what they once were, my husband can walk to work and mines only a mile away when it used to be 12 miles,major saving on fuel for us both. Downsizing is the way forward !

Anyone who thoroughly cleans their own house and does their own gardening and yardwork won't need to spend on exercise classes.

I hit my breaking point a year ago. I watched your videos, learned a TON and got myself on a budget that works for me! I save 1/3 of my monthly income and live on 2/3. My family thinks I’m nuts. They say things like … ‘ why are you depriving yourself?’ I don’t feel deprived at all … truth is I’m more free now than I’ve ever been!!!! Do I still have debt …. Yes …. But I’ve also got a plan …. And I’m motivated all the time to keep at it because the prize of a debt free life is so worth it to me!!

I have been amazed at seeing people I know still spending like crazy . Being frugal has left me pretty lonely, but I have to live this way. I have listened to hurtful comments, and now no longer hear from most “friends” I had. I keep busy working and gardening and taking care of my home. I hope someday to “find my tribe” I am grateful for online groups like this one, but in person contact is missing. Someday😊

Not only does inflation keep going up, but the quality of good keeps getting drastically worse. In several different categories. And many of them are now designed so we cannot repair them ourselves. Like my cellphone battery for instance, and also my vacuum belt. Never in my life have I not had the option to simply change a battery myself.

I am an administrator for NHS...I job I love. What I struggle with is acrylic nails! Everyone in the building has them, but not me. I'm not gonna give in to it! Each to their own. Great video again...thank you :)

When my mother in law, then my mom died seeing 60+ years each of stuff cost many thousands of dollars to fill dumpsters. They both loved their stuff. Both always buying and wanting more. Then to see it all trashed because no one wants your beloved items. This wasteful cycle of buying really hit me hard. I have a new way of looking at my possession. I am trying to use what I have, get rid of what I no longer want/need and really evaluate every item I bring into my home.

I was at the bank to roll my mom’s CD over to another at a greater interest rate. We were talking about my $. The investment manager asked me if I had any debt. No! Do I have any needs. No! Do I have any dreams. No. I just want to be left alone to sew, knit, crochet, garden, and be with my husband. My solar panels and I are very happy together! What else could a person want? 💙

Thank you Jane and Michael. I contribute to my retirement fund, emergency fund, cash savings and sinking funds every month before I spend any money. So my brain is tricked into thinking I am living paycheque to paycheque (I am easlily tricked lol). I will send my grandson, (who is living paycheque to paycheqe), your quote: "Being frugal is hard, being broke is hard. Pick your hard."

Just started a no buy year. I was spending money for all the wrong reasons and not saving enough. And I have enough stuff. Am going to practice gratitude the coming 12 months and not buy any clothes, cosmetics and make-up. I have plenty. Time to stop shopping. Thank you Jane and Mike for the inspiration on this channel!

My savings throughout y year goes to a plane ticket to visit my family in another state. I can no longer drive the distance due to age. The pennies add up and I save a little. Holding my three year old grandchild makes it all worth the sacrifice. Lifeblood and love is irreplaceable. Thank you and God bless you for all the helpful information.

Thanks Jane another spot on post. I found I’m spending less by doing more at home. My house is cleaner & less cluttered. Eating simple meals, trying to go meat free several days a week also helps cut the budget. I’m enjoying trying to be frugal as I can see the benefits, less debt,less worry. 🤗💐💐

Great video! Thank you Jane and Mike! If any of my family members don’t “understand” what I doing I just tell them it’s a game I like playing! They usually don’t say much more. It’s true I play a game of trying to see if there are more ways of not wasting money. There is so much freedom and contentment in being debt free!

I've never been a spender. Always had to watch every penny. Now that I'm alone it is easier. I have my budget, pay my bills, savings and groceries. I made this year a no spend year. So far so good. It is so freeing. I can't do anything about inflation but I can plan for it and be prepared. Grocery prices keep rising but I eat simple meals and get creative. I do not feel deprived at all. It worth all the work and effort!!

This is kind of how I feel. I have friends who are complaining they are sinking fast, but have just booked a £3000 holiday and are still loading up their trolleys in the supermarket with expensive branded products that they could afford to miss for a bit. It just boggles the mind!!!!

“ Once upon a time” frugality was the norm and folks were proud to be so. Then came tv, mass media and advertising for Ll the stuff you didn’t know you needed...and folks took to being led around like a bull with a ring in his nose...all I can say is wake up people...We do not find frugal living difficult and have all we need and some of the ‘would be nice to haves’ and continue to save in retirement more than 10% each month. One fo the greatest assets is learning to do things yourself as much as possible. Thanks Jane and Michael from Susan

I notice it's been easier to avoid buying anything that's not absolutely necessary - this means pairing down my grocery list by 1/2, which was already only barest basics, doing this right before going shopping - asking "can I live without it for a while/another week?" usually the answer is yes and it's crossed of the list. It's a good feeling.

Really sound, frank advice. As far as prepping goes, i differ slightly in my view. Prepping can either be a shopping frenzy of excess, as you suggest, or it can be a money-saving technique. Now that i have one year stock of nonperishables, I'm buying groceries once or twice a month, using my stored foods, replenishing my stock and saved myself one year's worth of inflation. Prices will continue to rise, so it works for me as a money saving strategy. I do think it requires discipline. Peace of mind and "preparedness" is just a convenient side effect. We're very blessed to be debt free, and i applaud you for teaching the importance of taking charge of your spending and saying "enough is enough!"

We were blessed to put new cabinets in our kitchen 25 years ago. People have told me its time to replace because the finish is the wrong color. Never! Ill keep these beautiful cabinets as long as i live here. Im very THANKFUL for them! I read youre now expected to replace your kitchen cabinets every ten years. Oh please.

So, so true! I'm frugal but still have roomfor improvements! Saving all my receipts has really opened my eyes to how much I spend each month. Astonishing! I think I am being frugal, but the receipts tell the story.

Being frugal is fun. Being frugal makes me feel safe in these crazy times. The excitement of watching a sinking fund grow, while having time to throughly research to ensure that you are buying the correct product. The security in knowing that your car tax, car insurance, MOT and new tyres are funded ( this just happened to me in June and July). The security in knowing that you have ( in my case) 12 months of basic living expenses covered. The preace and joy of growing a few of your own veg! Beung frugal is also good for the environment and is usually a slower and more sustainable lifestyle. Whats not to like? Hard, to me, is being shoved and jostled around in a shopping centre full of noise and being conned by adverts and sharp sales practices into buying stuff i dont need! Noting stuff down is a matter of moments and ten minutes to review once a week? Thats not hard! 😂 thank you Jayne

You had me laughing so hard when you said people leave their house where they have food and coffee and go out and buy.......😹

Another thought provoking video Jane and Mike! I have to say I have only just recently converted to the budgeting way of life - this is the end of month 10, and I’m so so sad that I hadn’t learnt the lessons years ago. I don’t consider myself to be frugal, but I have drastically reduced my spending habits and save up for everything I ‘want/need’. I love travelling too much to be classed as frugal.

It’s the “ I want it and I want it now!” mentality.

I love when you asked, "Do you have the money for...etc, etc, etc?" We have 12 different sinking funds for bills I know are coming later in the year, and we also have an emergency fund for the UNPLANNED things that WILL HAPPEN. We had to have a new furnace installed (today as a matter of fact!), and we had the money to pay it. I hated to do it, but at least we had it. For that I am truly thankful.

I’m disabled so the hard moments about being frugal - when I dont have the energy or health to stick to the meal plan & scratch cook or do dishes (because we don’t buy paper plates anymore) but I have to. Or how the American government doesn’t allow disabled people to have more than 2k in savings even though we need 28% more $$ to scrape by than abled bodied people. I’m dealing with a body that’s against me and a government and society that’s against me 😔 but every day we do our best and soldier on. Your videos, this community and your advice/encouragement help Jane ❤ thank you

Great content. Thankfully I don't have any of those issues anymore. Living frugally and either within or below your means is so less stressful than the life society encourages you to pursue. Well said Jane 🥰

An impactful presentation. You ask the right questions to cultivate self-reflection on how to live one’s life -frugal or broke. Well done. Thanks.

I'm at the edge of my seat already in anticipation of this video! 😬🤯 "Supposedly" the price of "some" things here in the U.S. are going down but I haven't actually experienced that yet.

A local restaurant dropped off a menu in my mailbox. I looked it over the prices were obscene. All they did was to make sure that I will never go there. Sandwiches or salads start at about $15.00, entrees were about $25.00. Ridiculous.

Hi Jane and Mike, Living an amazing frugal life, I still have one ‘weakness (which I always pay from my 25 euro pocketmoney): books. I love reading so much! All the others things by budgetten are under control. We have saved a lot and we are still saving as much as possible. Because healthcare for us (being 75 and 84) will not be that good anymore! We never had any debts because we both worked full time. In 1994 i had a severe burn out. I quited my job and from then we had to live from one income. That meant budgetting and reading about how to live a frugal life .Loved it so much. Now we have a reasonable income but i never gave up budgetting and being frugal. You still inspire me to hold on in frugality, i love that. Everyone needs encouragement every now and then. Thanks for your inspiring videos.

Being frugal when it is a choice, isnt as hard a i am sure as being frugal out of necessity. However being frugal is always better than being in debt. Being frugal gives some element of control, wheras being in debt, you are less in control x

Jane, I hope your video helps those who really need it. Things I love about being frugal: I love budgeting, it takes away soooo much stress as I'm never caught short at bill time or if an emergency comes up. I love having savings, it means I can sleep peacefully at night. I love that I am now investing - I didn't come from money, but realised I could learn to make my money grow and this is exciting! I love how uncluttered my home is, from the bedroom cupboards to the pantry. I love growing much of my own food as it's healthier and cheaper and I really find it relaxing. What I don't love about being frugal is when there is no choice, as with the current economic situation. I'm determined not to blow the food budget and this means I can't buy bread until the start of next month. I have plenty of food in the house, I have more than enough for good nutrition, but love my toast! Madeleine from Australia.X

Jane every word you say is so true ,I see it in all my children .mainly the coffees and take aways. I'm so glad I am not tempted..

My husbad.and I have lived a frugal life for the 41 years we have been married. We do what we can and has to be done at 65..lawn, house repairs,landscaping,cleaning our home exterior and interior, trimming our own hair, washing our dogs and doing the grooming. We never went on huge vacations. Autos are paid in full and a good amount of savings.for emergencies. We live a simple life with simple pleasures ..walks..hikes..summer concerts..hobbies etc. 40 plus years of living like this has paid off and we still are concerned when prices escalate. Advice to young people...start now budget..sacrifice and save. You won't regret it when you are older. You must sacrifice e the spending and begin to get your joy from watching your savings and security grow instead!

Hello from Romania. Interesting. Interesting ❤

I have spent quite a bit on "hobby supplies," and now that I've reduced my spending, I'm actually using them during no-spend weeks!

We have a thrift store near me that offers certain tags for 99 cents. I have gotten quality clothes with name brands: wrangler, tommy hilfigar, ralph lauren , etc. for 99 cents ! People are buying clothing at full prices and filling their closets with new wardrobes every season when the clothes they had were just fine. Well I dress very well for incredibly cheap prices !! I will say at one time I was one of those people but years ago I woke up !

I admire your commitment, consistency and perseverance to sticking to your plan no matter what.

I do agree that it is hard. My most challenging thing is that we live rurally and selection of fresh food is horrible outside of local growing season. So I find myself buying large quantities of fruits and vegetables on clearance and stocking my shelves with canning jars, or dehydrated or freeze dried items in order to have what I want during the other 8 months of the year. Also when I find meats half off through the Flashfood app, I buy all that I can get, and then freeze it, in portions for future meals (where I have controlled the cost). I rationalize it as my budgeting for groceries . But admittedly I have enough now for about 12-18 months. 😮 We are doing a no spend August and September though, and I have not bought any groceries since July 12th. Now it's garden harvest and meals from our stores time. But I admit I am drawn by the discounted prices on items that we eat regularly. But we never eat out, nor do we carry credit card debt. And after 16 years of owning the same vehicle that was dragging its axles behind it, we traded it in for our next work horse vehicle. That we did get a 1.9% loan for 4 years, but we will have it paid off early, and we still have our emergency fund, and we are investing 10% of our retirement income monthly. But I can't wait to get that weight off our plate, hate debt. We do use credit cards for all purchases and bills, but I check every quarter for which one offers the best rewards. I currently get 3% back on utility bills, phone, and internet. And I get 3% back on travel and transportation. For all other purchases I get 2% back, even on medical, dental, and optical services. We belong to Costco, and have their credit card, and by doing that it covers our membership fees with rewards and gives us 3% back on gas, and 4% back on purchases. They offer the cheapest gasoline prices as well as the best price on organic vegetables within 2 hours of us. Shopping is something that neither of us enjoys. And with the nearest grocery store being 35-45 minutes away, and Costco is 1 hour away on a good day (otherwise 90 minutes),we keep a running list of low on items, or out of items, and we wait until we have an appointment in that area before we go. At 15 months old our car has less than 8000 miles on it. And 3300 of those miles were to visit my mother last year in Florida after the hurricane hit, and driving with supplies was the best option. Frugal living for us is a way of life and we got even more intentional about our spending when we left the work force in 2016. We choose where we want to spend our discretionary money carefully. And we couldn't be happier. But no one understands us, or how we choose to live, well except for 2 of my 3 children, they get it.

Thank God I am not guilty of any of these! Out of Common sense and necessity!

I had my breaking point years ago. I started living below my means and setting myself up for even greater money saving/investing challenges. I did this quietly, so when I had a health scare last year, I had to come clean about my finances with my family. They had an OMG moment. They asked me how I did it and I told them that I have given them all the advice, strategies, and examples they will ever need to succeed but they can always come to me for sound advice.

You always give me encouragement to stay inline with budgeting!❤️

I agree with you on most points. We are not all like that but sometimes we have to go broke and learn the hard way. Many people have to get into debt for geuine reasons like poor health or job loss and its hard for them.

I live a frugal life, but I use my two visa cards a lot. Yes, even for groceries. Every month I pay it all off and pay no interest. Each card is a “points card” and every so often I use the “payback with points” feature and have $25 taken off that month’s bill . It’s a system which works for me. The trick is to know exactly how much money I will have coming in and never overspending.

You are so right. Thank you for being the face and voice for all of us who wish they could say it so eloquently and be heard. I guess the saddest reflection is that there are so many out there who are drowning, but don't recignise the life buoy when it's thrown to them😊

I enjoy your straightforward encouragement based in reality. We’ve been frugal throughout our 24 years of marriage, but I feel the need to double down now and increase our savings and conserving as we still have some of our mortgage to pay off. We’ve talked a lot this summer with our two university kids about the $5, $10, $15 decisions that add up over time. I think it is easier to skip a lot of those little expenses when you’re content with your life and activities at home. We’re trying to continue modeling that contentment and prudent living to all of our children.

Jane totally agree. On one hand we are told that people are in fuel poverty. Can’t afford their energy bills. Every town, and village has a food bank, people can’t afford food. School holidays start, and they take leave of their senses! As you say, everything is booked up! Where’s the money coming from? Can only be credit cards. People are their own worst enemy. They have this attitude of, well we deserve to go on holiday! Not if you can’t afford it! Our families just put our heads down, and carry on. No credit cards, and no finance. Save up, or go without!!

I feel very fortunate. My husband and I are in a good place financially but are very frugal. Even better, we have the best friends. The people who have been our friends since high school ( we are now all in our 50’s) are also very frugal. One of our friends is a multi millionaire but still always finds the best deals when we vacation together. It’s important to be with the right crowd!

I think many people don’t have the mental capacity to navigate today’s more complicated world. I don’t mean that in a derogatory way, but the world was once a much simpler place.

Thank you both of you for your videos and continuous encouragement. I am about to have surgery for ovarian disease, not being able to do much at the moment, I have been using my time making junk journals for friends and family for Christmas, yes I said Christmas, but as we all know it’s about the planning and junk journaling is perfect for using up stuff from our craft supplies, old books, bits of fabrics etc etc, and can be personalised to the recipient. I thought I would share this as others may be interested. Take care everyone 🙂

I cant femember the last time i bought a joint of beef as the price is silly. Like you im using more veg for casseroles. What im doing is smaller portions and eating more slowly and find i dont need to eat more. If i have any cravings as you do i have apiece of fruit or even open a tin of fruit and it lasts a few days. Love your videos x

May have just bought my last caramel latte medium size at $5.89! Half a pound of coffee costs 3 times that

Love your common sense advice and thoughts! I recommended uour vlog to Larry and Hope Ware of the vlog, Under the Median, another great frugal couple.

Great video, as always. I really hope that during this cost of living crisis many people see what a huge industry there is making them part with their money, creating wants they didn't know they had and finance deals that look so good the companies must be doing them a favour. It's the normalisation of a unsustainable lifestyle that is scary. The only thing we can do is to keep being frugal and be there to help those around us if they are in need. Thanks Jane, for being there for us

Thank you Miss Jane for encouraging us!

Thank you for that really reflective and comprehensive video! I’ve never had difficulties with dept (it may have helped that I’m a former jurist😁), but of course I’ve weak sides as everybody and that is wool, painting stuff and first of all books. At the age of 68 I’m thinking more and more about what I really use and need and: what not anymore. Hobbies are changing. I created a new hobby for me: using what I have in a creative way… Love from Germany, Monika❣

I had had enough pre-covid so that worked out well. I didn't "go back" to crazy spending as I realized years ago that shopping was just a hobby. I was filling in space with time and in my home. Wish I had done that much sooner but eventually I caught on. If you are younger than me I hope you catch on when you can make a much bigger impact on your current and your future financial security. Enjoy life of course but reconsider throwing your money away.

Hello from Seattle, Washington. I love your video's like this. They help me stay on track, and inspire me to be present and really think about my purchases.

I did go to some charity shops this morning which I should have resisted! We do have our emergency fund and sinking funds as well as regular savings! We will find out next week whether my husband is to be laid off so I do need to stop even the charity shop spending!

We are still paying medical bills, etc. a job loss and change this year has wiped out our savings. However, we are starting over and paying down our debt while still trying to save. It can be a stretch to save anything some months, but we are not giving up.

Don't wear make up must have saved hundreds. Great video.

Absolutely, you are right, they still don't care. I cannot imagine myself overspending now when inflation is the issue. I have savings but this doesn't entitle me just to waste it for no reason. Adam from Wales ❤

I live in a rural area. I deliberately choose the area, because of the lack of shopping centers, restaurants, movie theaters, etc. There are a lot of free /low cost activities that I can access that involve being outside. Retail therapy is not an option, so I don't need to spend a lot of money.

While I do use my credit cards (for convenience), I pay them off in full every month. My home and car are paid for. There is great freedom in being debt free.

As usual a great video. It made me think... I am still using my veggie strainer I bought 40yrs ago from Tupperware. It cost a lot but worth the money... I still use the utensils that I bought 30yrs ago for cooking. Once again stainless steel a lot of money but still in good condition. The list of things I have had forever goes on but even though the outlay was high for the time here I am 30plus years and still using them. Money well spent.. some of my clothing is 25plus years old and still fashionable. You as always make great sense and advice. Thankyou

Here in the States my least favorite words are starter home. This mindset of buying a house and moving in 5 years when you have a child is mind blowing to me. I am in my home 15 years, my car 10 years and some of my clothes well made and expensive when bought but lasts throw many repairs. My motto find a deal whenever possible failing that cry once and buy the best.

I do ' no buy' most months. Obviously bills and expenses paid and groceries bought but I really cannot be bothered shopping. I have been purging my house of unwanted items to donate to the thrift shops, working in my garden or getting to do a bit of reading, craft or cooking in my spare time when not at work. Who needs shopping and stuff . We save more now with only one wage than we did when my husband could still work because we wasted it.

Great video, THANK YOU, so much.

we are retired and staying in a very remote fishing club for 6 months - food is close to double cost and fuel for boat is expensive too but at least we are eating lots of fish and mud crab and saving on normal stuff we can't access like movies, hardware store, garden nursery, etc. Being creative with food and drink prep, having friends byo around a fire, listening and watching the birds, enjoying our boat trips with picnic lunches. living the dream on a budget!!

Thank you.

Thank's a lot for all your videos ! Hello from Romania ❤

Ooh, that was a ranty one Jane! I have to say that I share your opinions on everything you talked about. Most of the time, being frugal is easy, but there are those times when I slip up, albeit in a considered way. Last weekend I had a friend stay at my place who I hadn't seen since before the pandemic. We were at church for a long time on Sunday morning, then we needed a quick lunch so I could get her back to Heathrow to catch the bus home to the midlands. The lunch cost more than I anticipated, but gave us the time to spend together and catch up. (She had gone to bed very early Saturday night because she was jet lagged from flying in from doing some work in Thailand.) I don't consider that a waste of money, because a friendship of 30 years needs some quality time together. A fantastic embroiderer has produced some beautiful but expensive kits. I really want one, but can't justify the expense, so am holding fire on that one.

I totally agree that preppers love spending money Jane! I said in a recent video that like you I was not doing the stockpile route anymore as it didn’t work for me. Well, I think one of the reasons I used to do it with such gusto was because I felt justified in spending that amount of money! Brilliant mid week money chat. Thank you.

Wholeheartedly agree--whenever we have to venture out we just can't believe how much money people appear to be spending. I cannot stop being flabbergasted. 😅 At a recent regular gathering we attend we saw two different people strut by with the latest trendy water bottle--$45 a pop. And that's just a water bottle--imagine what else they're buying!

Frugality for myself is a habit after 35+ yrs. But it can still be challenging and sometimes not easy or comfortable. I think it's like every other skill set, you have to keep working at it. Keep gaining knowledge through education. I think you & channels like yours help the frugal folks and want to be frugal folks....to be in the know about different ways to approach the best frugal life. Our challenge here in the US and maybe other countries also, is the prices of homes have gone up astronomically. What was once a $200,000 home is now $600,000. Along with that comes people like me that own my home and now my yearly county home tax is probably going to increase by 25% just bc of market value increase. 🙄 Frugality has taught me how to handle it, but it's not comfortable to pay more money when I changed zero on my house.

Thank you again for the opportunity to learn more.

Being frugal is easier now that we are much older and retired. Our wants are few, so we aren't tempted by stores and stuff. The food budget was always the hard one for me, but after following your budget plan and tips, I finally have a handle on it. Thank you, Jane and Mike for being a true inspiration to so many.

I agree with talk in time! I’m on the edge of my seat I can’t wait for this to start! 🎉😊

Thanks

Jane you are so so right

Jane, one of the songs you play in the background sounds like a song I used to hear played in my Southern Baptist church years ago. It was titled "Leaning on the Everlasting Arms." At the end of each sermon, the pastor would extend an invitation to the congregation to turn away from sin. Often, this song would be quietly playing in the background as people would come forward to accept the invitation to turn away from their old, harmful way of life. As you were, in a way, asking people to turn away from mindless spending, I couldn't help but be reminded of those days as that song played in the background. Differnt context, I know, but my old pastor was trying to help people in his way, and you try to help them in yours:) I hope you will not be offened by this comparison; none is intended.

I think people are pushed into debt by too much consumerism. Christmas starts earlier every year, at the moment things are so tight but i dont have credit or overdrafts because i can't and won't. Its never too late to start to be frugal and save. If people can only save 5% its better than nothing. I need to draw my spending back in because i do go in cycles with spending. I do worry because I have depression and i think that does have something to do with spending money. Ok its not hundreds but it does add up. My brother is critically ill at the moment and had to be resuscitated in the early hours of Sunday morning. The hospital car parking is so expensive and the hospital is nearly an hour drive. We are the only two siblings and our parents are no longer with us. Its been a massive wake up call to be told that the next four hours were critical and he may of had brain damage or die. He came through those four hours thank goodness and he hasn't any brain damage but he is still very seriously ill and is on a machine that forces in oxygen and pushes out the very high levels of carbon dioxide from his body. They have drained his body of nearly two stone in weight of water. Whatever happens next i want to be more in control of my finances and my future and be able to spend valuable time with my brother. I don't need to spend money i need to spend my time with those I love. It isn't material things that make you happy its making special memories together, they last a lifetime and fill your heart with happiness. We all need to learn to be content with what we have instead of battling for the next thing on the list, instead of striving to have the best why not strive to be the best at having fun and building bonds with our family. Time is the most precious thing in the world, time allows us to be with the ones we love. Lets go back to basics, we should control our money and not let money control us. Pay your bills, put food on the table, clothes on your back and stop chasing rainbows, its not stuff we need its people. Take care of the ones you love instead of wasting time and money on things that mean nothing. We all need to get our priorities right. Look after the pennies and the pounds will look after themselves.

Thank you Deirdre from you Lovley reply Xxx

You’re fabulous. I love your straight talk, you make it so clear. Bravo to all the people that take a moment to think before they pull their cards and cash out. Love your work ❤️❤️

Another great video Jane.

Loved this video. So true!! Been watching this channel for inspiration since you started this channel. Love it! As usual lots of love from Sweden ❤

Thought provoking as always. I love your work and thought processes. We all need reality checks. And with ideas to move forward. Thank you both !!!!

Yes, I am getting more frugal by the month. I am working on not wasting anything

An eye opener .thank you so much for such brilliant video

Hello, very true, I agree with everything you said, thank you.