★★ LINKS MENTIONED IN THE VIDEO ★★ (09:51) - American Express card for Travel Avios points - thehumblepenny.com/AMEX (15:45) - 27 Meal Prep Ideas For A Happier Life - thehumblepenny.com/healthy-meal-prep-ideas-easy-recipes-30-minutes

Liking the UK based advice and content. Subbed!

This is a fantastic channel, offering a UK perspective for independent freedom seekers. Please keep up the good work guys.

Just want to add that it's really important to look after your stuff if you want to keep it as long as possible. My phone is now 6 years old and not a scratch or crack on it, here are my tips: Put a screen protector on straight away. Always keep it in a case. Don't put it your back pocket and risk sitting on it or it dropping down the toilet! Don't walk about typing in to it and risk tripping over. Don't let small children have it at all. Don't walk the dog while staring at the phone, the dog may pull you and you drop it. I know people who've smashed phones in all these ways! Also, only charge it until it's full then unplug it, charging it all the time can be bad for the battery.

Ive been chained by debt and my spending for decades now it’s been depressing me for years. For the first time I feel positive that I can stop mindless spending and end the cycle of paying off bills just to run them all back up again a few months later. I need to be free of the stress. So glad I found this channel. I’ve cancelled all but one of my tv streaming channels and I’m not upgrading my phone that’s now paid off 💴 💴 💴

Absolutely beautiful couple with excellent knowledge!

Loving a UK money channel. Loving Mary's hair too 💁🏿‍♀️

I’m so cheap that I pay for a second hand car for under £2,500. Bought second hand phone from giffgaff with a 3 month warranty for under £140. And I only pay £1 per week for data, mins and calls😅 The only thing that I need to work on is my food spending as I used to go out for food every week to meet friends😅

Finally some UK content that I can apply . Great 👍🏿

So refreshing to find a couple that look like mself based in the U.K. my husband and myself need to save more money.

Just found your channel and I’m obsessed! Love you two, UK based and realistic. Subscribed!

What's happening in the world right now has refocused me to develop financial literacy. Happy to have found a UK based channel. Newly subscribed and keen to grow and learn. Glad I'm already doing a few of the tips given!

Hey Ken and Mary new sub here🙋🏽‍♀️Nice to see UK based financial advisers. I was seeing more Americans videos. Now I switched. Thank you.

I love the the first point about TV its something I have been thinking a lot about recently. I realised I was constantly complaining I didn't have time to do things but when I thought about my day I'd always managed to watch lots of TV shows. Now I have been listening to more music and often just appreciating the silence and I have found I have so much more energy! I though I was watching TV as a way to relax when I was tired but now I'm realising the TV is what's draining me and by not watching it I'm more productive.

I found your channel and I am obsessed! So many good ideas and it really helps that you guys are UK based! I started a no-buy journey last year and documented it but now I feel like your channel is making me want to seriously step up my game in becoming more money savvy.

New subscriber!! Found your channel yesterday as you were a recommendation on mumsnet for good financial advice. I’m obsessed with overhauling my finances right now and I’ve watched so many of your videos. My phone bill is currently £52 a month, I can’t wait to go to sim only Feb 2023 for much much less. I don’t condition my hair! I find bottles of value double or quad concentrate squash for £1.75 last me over two weeks. My car is old but I look after it, and we get a takeaway maybe every 1-2 months, as my husband is a chef and I love cooking too

Great to see you guys in the UK showing that this can work. Most of the FIRE people I follow are U.S. based. Keep up the good work!

Love the enthusiasm of you guys! Dead right with the cars, mobile phones, takeaways etc. I hate seeing people say they can't afford a house but have a leased Audi, iPhone XS and eat out three times a week. I can't agree on the holidays though, I never regret money spent on good experiences :D Keep up the great content.

People paying for a gym but not going need to get a personal trainer 😂 some really great tips in this video great to finally find a UK Financial channel

Very natural and I found the video alot more funnier than what i think I should have lol. On top of it all great content to learn from as I'm guilty of many of the 10 things mentioned! Thank you both

Omg the whole phone upgrade thing! My dad paid off his phone contract and he somehow assumed an upgrade was due so bought another on a plan??? What a madness! He was so used to this structure with the way mobile companies contact him that now he thinks he's obliged to buy a new one after every year or two loool. Anywho i love your vids, keep it up.

Great video, Ken & Mary! Didn't expect to see "Juices" as one of the ten but you're right, we stopped drinking juice a few years ago as I guess our palates just changed and they tasted a bit sickly sweet. So it meant a £3 - £5 reduction in the grocery shop each time without any bother! 💛 🐻

Mary I love you two you make a lot of sense. I have just upgraded my phone from an iPhone 6. My old phone I had for an extra 2 yrs as there was nothing wrong with it. I have only just in the last week upgraded my iPhone to a 7 yes that right a iPhone 7 128 go. There are out there and I love mine so Mary get a 7 they do everything the 6 and 8 do. Just try and get the bigger memory. My package was unlimited calls and text no upfront costs which I negotiated with my provider and I could have has 25gb data but only opted for 10 and my off line consumption is within this ratio.. So go for it my lovely. Bless you two and may your Chanel go from strength to strength..🙏🏾🙏🏾👏🏾👏🏾🙌🏾🙌🏾 Bev

Amen - 3 hours in the evening = 3,000 words of a novel. Creativity + hustle = marketable book $$$

These tips are very good! My partner currently has had his iphone for 3 years and he refuses to change it, even tho the battery dies every hour lol. Me im the opposite, i admire him sha! PLEASE PLEASE, can i request that Mary does a video on how to save money as a WOMAN? As a woman you want to get glammed up, nails hair, wax, clothes etc, It would be very informative and useful! Thanks guys xx

Great video! These are great pointers and advice. I can't wait to see more of your content.

Just discovered your channel today and I am over dosing on it. Thank you!

How interesting you talk about juices. I stopped buying juices over 10nyears ago. I drink tap water. It is very dear to buy juices as most of them are full of sugar too. Water is the best. Pre planning meals is one of the things I do. In my budget I find myself having £50 or so left in my envelopes when the month ends. Thank you for your advice. Mary you should come up with budget recipes for us.

Great video, We fully relate to all points raised, really all points have been at one point debated and we do use water filters for all our tap water consumed more from a health standpoint but we think they turn out to be good value - our girls do like to drink juice so we do purchase 2Ltr pack too to have the option. Phone upgrades agree are a trap as is the insurance they try and throw on top and with a teenage daughter you do find it's a conundrum but a good safety case and screen glass cover will do it! I love your videos and shared this one with my wife 🤗 sowing the money saving seeds for a smarter life. All the best, Pedro

We used to have Netflix Disney plus , and Amazon prime . After much discussion i convinced my partner to ditch Prime & D+ . Then we stopped our monthly cinema sub and now select which films we go to ( if any that month ) . We negotiated a better price for Broadband , our cable provider, were willing to listen than lose us .

Pay off mortgage early and retire >Fancy German Car and Iphone X.

We both got a Motorola Moto G6 in 2018 for less than £240 each. Both phones are still great and do everything we need. We have low cost, Sim free, rolling contracts. We'll probably go for the budget end of the smartphone market again when they need replacing. It's worth doing some research before buying at this end of the market, although Motorola tended to be in the top 3 in most budget smartphone reviews in the last few years.

I've not watched any t.v at all for at least 1 week. I work 6 days per week. The time I saved from not watching t.v. I've used to make a budget to get my finances back on track, prepped some meals, cooked some chicken soup from scratch, and listened to a personal development audio book on line. My ex husband wanted sky even though we really couldn't afford it and didn't need it. On 1 of my days off I need to cancel the t.v subscription. I get a very large bottle of juice and water it down but my new partner, who is from Romania, showed me how to make my own flavored water so now no shop bought juice. My partner is very frugal and i'm learning a lot from him on how to save money. Having the right partner helps! We do sometimes get takeaways or eat out but very rarely, usually once or twice a year. Most of the time though we eat at home because he doesn't like English food. He is teaching me how to cook some very basic Romanian dishes in bulk which we cook together in bulk when we both have a day off work. It really helps on a very tight budget and I'm able to save a bit more than I did before I met him. I feel truly blessed and am saving to go to Romania for my first ever holiday abroad, but my first goal is to pay off debts, then get a passport. This video is very helpful. Thank you!

Found you on @mamafurfur you have great and relatable content, new sub! I’m looking forward to all the rest!

I can relate to the phone issue My iphone se looks like someone has been chewing on it, Its cracked up top exposing the camera and the screen has several cracks. sad. My point is it still works.

1. Sky/Cable 2. Phone upgrades 3. Excessive Holidays 4. Gym memberships 6. Expensive Cars 7. Takeaways 8. Juices 9. Retail Therapy 10. Skincare products I think they missed no 5

I agree with all that you've said, but I will say a good affordable holiday once a year is good for your health. All the rest is spot on

Hi mate I think you forgot to mention people buying lunch and coffee every day especially at work canteen. It costs fortune. I know someone who's spend £6 minimum a day for 5 day that £30 week

Keep your old phone with its memory card as a digital photo book, copies of important documents, and contact info if you loose or damage your new phone.

Hey! The home made beauty products you make sound great would love a video on how to make them. As a women who buys a lot of beauty products I am needing to make a saving in this area as a step towards financial independence. Thanks!

Warning re 02 and upgrades!!! Agree completely with the phone upgrading and was adamant I was not upgrading the phone. My S8+ is working perfectly. When they rang U was very specific that I only want a sim plan and no contract. What I didnt realise was it was a "partner" company who 02 shared my details with. I then got trapped in a 3 year contract with clearvision communications. I am fuming and now fighting 02 and clearvision communications and neither will accept any responsibility for the contract which now doubled in the first 12 months and is binding until 2025!!! I will now never talk to any phone company when they call but go in to a network provider shop

Love this channel, you got a new subbie!! Thanks for sharing!!!

I see You have books behind you guys! Maybe can recommend some good read ? Maybe make video about this? :P

I use extra virgin olive oil on my skin, hair n cooking, less chemicals the better .

I had a good giggle at Mary's phone. I had an iPhone 6 that was similar in regards to how cracked it was. I could actually see through the phone in one of the corners, lol. It still lasted me 3 years though!

Your channel is amazing ❤️ thank you ☺️ thankfully I do most of these things but always room for improvement

I’m saving £17 a month not getting a new phone. Just finished a phone contract. Now paying £5 a month (with someone else). There’s nothing wrong with my phone.

Hi, whichever phone you get, I suggest a robust phone case. I have a reconditioned motorola which is actually so far pretty unscathed even though it's been dropped, shoved in bags, shoved in pockets and thrown in drawers. The case cost less than £10 and has been worth every penny.

Did you guys mention coffee? 4 quid a cup twice a day 5 days a week all year round... like 4,000 pounds a year

Hi Ken and Mary, thanks for your channel guys. Really useful tips!

Great channel and information. Definitely agree with people questioning their spending and not wasting money , but I also think that life is for living and that it’s important not to become so wedded to the idea that you deprive yourself of enjoyment. 👍

I have just discovered your videos, really love them. I have subscribed 🙌🏾

Just found you, catching up now. Can you tell me where I can get a 7% return on my savings please?

Aww you guys are so lovely! Thanks so much for all the fab tips :) x

Just watching this in 2023 and I still have my iPhone 6s 😅 I don’t upgrade until my phone had died or it stops being useable for my needs!

Hi, just found your KZfaq channel after trying to figure away out of a financial crisis, that's recently started. I think many of your ideas are great and follow them myself already. Just one question, where is tip 4 of things to stop buying?

Thanks guys

I had the note 3 brand new until 2019..no damage whatsoever n finally was happy to upgrade to the note 10 plus. Dropped that fone possibly a 100 times 😅 but it remained functional with no screen damage at all!

If I do decide to buy a car I'm going make sure I do Uber as a side hustle. I almost joined the gym last week but decided to buy some weights instead. It cost the equivalent of 3 months' worth of gym fees. If I decide to take training to the next level I can subscribe to an online coach for 75-80% less than a gym per month! If I fail at the weights I can just sell them again.

You guys are great only just came across your vids but really inspiring. Uve gained another Sub 👏

Love how you guys break everything down. Stay blessed x

Really appreciate you guys for taking out the time to make these vids!

“You dropped it a few times yourself”...Ken: “did I”. 😆

The one I definitely got good with was the juices. I hated water, so I always had to drink some type of juice or drink. But I saw the utter waste of it so I started with tea or lemon and berry water and now I even just drink water. If only I can apply this same principle to the rest of waste in my spending. I will do it! 💪🏾

Love this video. Thanks guys. Wow thanks for the meal prep blog mary! Will check it out. I agree with mary on the deodrant. I'm not quite making my own yet but they are natural deodorants that work for men and women- Salt of the Earth lasts for 2-3 years. No chemicals or aluminium. I think the sim only contracts work out a lot better than the usual phone contracts. I've cut my monthly spend in half. Yes we only drink bottled water at home too...must switch to those water filters soon 😲

Great video. I like to make products too but have not tried a deodorant as yet. My halfway house between the conventional and making my own is a brand called Salt of the Earth Natural Deodorant. They sell it in Holland & Barrett but I buy the large 1 litre refill bottle from Amazon which is far more economical and it lasts for a very long time.

I think people just have to think out side of the box for FREE entertainment. As a student funds are very limited and have to budget everything. All we need is the internet now and the basic bills pay off first. Normally there are always FREE things you can do online one just have to do some research. Apps are very help now where there are so much FREE streaming application that you can watch online with ads for FREE without paying anything. I really enjoyed watching your video and learned a lot as well keep it up I also just subscribe as well.

We also just quit upgrading and now have sim only £25 a month from £85 for upgrading! 😳 winning all the way! First the car now the phones 😊👍🏻

Love the content of your videos. So informative because of you I started YT and now thinking to do another online job as my second income. Thank you

I don't have a contract phone. I have a pay as you go phone. It works out cheaper for me. My mobile is one with buttons, not a touchscreen. I've dropped it a lot over the years and my screen is still great. I think my phone is about 6 years old, possibly older. I can't remember the last time I bought a new one! I go by my dad's principle, " If the old one isn't broken, you don't need a new one. If something breaks either fix it yourself. If you don't know how to fix it then learn how to fix it. If you learn how to fix it then charge others a fee for fixing stuff for them if you can't learn how to fix it then pay someone as little as possible to fix it for you." I have recently discovered I learn through necessity. I never used to sew, crochet, or knit but as soon as I had holes in my socks and needed a hat, scarf and gloves for winter and didn't have the money available to buy new I started to learn new basic skills. One of my work colleagues even paid me £25 for a sofa back cover that I made. I love doing art and craft projects!

Buy a refurb excellent sim only from phone shops on eBay. What’s wrong with iPhone 6, I’ve just upgraded via eBay from a 4s!!

I don't watch tv, my husband does , we have had this conversation...he won't budge he is , as I would say..."square eyed" 🤣

Im going to stop buying juice you make a good point thanks.

Absolutely loving you two and your content, 𝐓𝐡𝐚𝐧𝐤𝐘𝐨𝐮 so much for being on KZfaq xxx

Looking great guys! Thanks for the tips ❤️

Amazing job guys... I'm glued to your advices ... Thank you

Your children are extremely lucky. Great channel and excellent UK based advice earned a subscriber :)

Great video, you've really raised a great challenge with regards to TV watching. I'm going to think differently in 2020. You should get a iPhone X or XR.

Really good advice keep it coming, I would also add buying coffees to the list!

Regarding phones, see if you really use a phone enough to justify a contract. I switched to a PAYG type deal with 1p Mobile (no affiliation). I spend so little I might even have to change that. Free WiFi is so common now that I hardly use any data and I make a lot of free calls and messages through apps like Whatsapp. I buy my phone outright and change it about every 2-3 years but I spend less than £200 each time.

Great video!! Mary you remind me of Michelle Gayle!! My iPhone 7 Plus is still good as new and contract up in December, I’ll be going SIM only after that. Just had to get my mum a phone so got her a 7 plus refurbished on eBay for £112. Bargain!!

Can i stop paying for train tickets💁🏾‍♀️Could use the money for something else u know😩

I want to start auditing my time, but not sure how/what tool to use. Could you suggest how you did it please?

Thanks for this video it’s very informative and I’ve learnt so much. I subbed after watching this - great content. P.S. Mary you look gorgeous. God bless

How refreshing to hear simple good advice on budgeting.

I love this particular video nice.

I really want to hear more from Mary independently, if possible, especially in terms of faith and how it helps her be a good steward, wife and mother.

Such a great channel. I haven't owned a TV since 1994. I only caved in and got a computer when I realised I could make money from it. Website/ online store / advertising my business for free in local groups on social media. I seldom buy anything that cant potentially make me money.

thank you so much for such a great video. i appreciate your vulnerability. the blooper was a gold nugget at the end. lol. ive subbed.

Good -I don't have TV license , Sky , Netflix too ...where the hell is the time after a long day's work ?

Hiya Mary do you have a link to any of your homemade recipes for hair and body care products? Especially conditioner, deodorant and body cream. I spend alot on these. Thanks

Another amazing video! Milk is a good one to make nice and easy oat milk or almond milk made easily from home. £1. 80 is too much to spend for any non diary milk. If anything a cows milk should cost more

Making your own lunch on a day out or work day can most definitely be high up on this list.

Humble Penny people. I wanted to make 2 points in regards to your saving money points in this video. 1 on the cheaper phone alternatives. 1 of my very good friends introduced me to a telemobile company called 'Realme' they make very good quality cheap android alternatives by all means have a look on their website they have a huge divers collection of phones. 2 the water situation... Please please please do not go out of your way to save all this money if you're gonna be drinking tap water. You'd be saving your wealth but deminishing your health. Tap water has a huge count of fluoride and other heavy metals which harm your body in worst ways that cheap pizza. Bottled water is up there on 'the bad charts' too because of plastic waste and water coming together with plastic particles. Your best option is a water distiller 💚

I buy my phones and keep them for a few years till I have to change. I don't have a phone contract, just a giffgaff sim only, and I can change my tariff every month according to what I may need. I also recommend Huawei (or honor which I have atm, I think it'd a Huawei spin off) I know there's controversy around the brand but it also means they're cheaper and before all that I had one and the phone lasted years. It even survived being dropped in the loo haha I only ended up having to get rid when I smashed it off the road by accident (I want to add I drop phones a loooot so it took a lot of falls before this one done it in haha!)

I’d have bought a replacement screen from eBay and had another 4 years out of it. My iPhone 5c had 5 screens and had it for 8 years

Your videos are next to nothing, completely priceless. Life changing advise.

Really liking the content! Need to get back into my passive income!

This came up in my recommended, you're both so sweet and genuinely humble, thank you for your ideas :)

I probably need to stop watching so many KZfaq vids like this 😏 I’m joking... great stuff guys 🙌🏾 super useful for a recent graduate