How to Stop Spending and Start Saving Money
Рет қаралды 12,565
Күн бұрынIf you're ready to break bad spending habits (and begin saving money, instead), you're in the right place. In this video, we will share what we did to switch from a spending-focused mindset to a saving-oriented one - and, the good news is, we saw nearly instant results in our greatly- improved bank account.
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We're Hope and Larry and we love practical frugality. We raised our four sons, debt-free, including paying cash for our home when our income was well under the national average. For tips on saving money, budgeting, paying off debt, and setting goals (while living with a spirit of joy and abundance), subscribe to us here on KZfaq and visit us at our website and on social media.
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For all inquiries, please use this email: hope@underthemedian.com
@OurRetireEarlyJourney 24 күн бұрын
We felt out of control for so long, now we own our own existence! Budgeting is liberating. 😊
@wallye8713 25 күн бұрын
Luv this channel. Even at 60 + it is refreshing to c others with same mindset. I’m not perfect but I am making changes for good.
@bellen4329 24 күн бұрын
We are in our late 70s and have come to realize we do not want to leave our adult out of state kids with the task of distributing our estate. So, we have decided to do a "no spend" life. If we don't absolutely need it, we don't buy it. It's a use it up, make it do or do without system. We'd much prefer to leave the kids money than stuff. We are setting up accounts with our Credit Union for the grandkids with a dollar amount in mind, and we are finding it easy to budget for it and will realize the goal within a couple of years.
@sallyprzybil2404 20 күн бұрын
I’m coming off a period of spending. Bought a house, moved to a different state, bought a few pieces of furniture, had some extra charges to set up the utilities in the new area, costs related to ending the utilities in the old area and had to replace some of the things the movers broke. I had budgeted for most of these things but some cost more than I’d planned. It’s going to take me 3 to 6 months to re arrange my budget to accommodate the new ( lowered) cost of utilities, etc. I have a list of New House Projects that I want to complete over the new few months, none very expensive, but I’m adding a couple to each months expenses. So they will gradually get done. So my big entertainment right now is loving my new house and just enjoying being here.
@suzettecooper382 25 күн бұрын
Really enjoy your content. Your inspiration has made me have a written budget. I collect and read my receipts and find my spending mistakes. I can now resist impulse spending. I'm on the aged pension and saving approx $500 monthly. Thankyou from Australia
@sheilafreisthler4421 25 күн бұрын
Local county fairs are starting in my area. Most of them have a day that senior citizens are able to attend for free. We also have free concerts on the court square in my town. They are always fun to attend. In September there will be a Civil War reenactment at our city park. History buffs love it!
@terryhenderson424 24 күн бұрын
So...We had a time of lean that grew to be significant lean over a longer time than anticipated; the whole local economy plucked there for a while. During that time we grew to be pretty adept at finding free community events (as long as you took your own food and beverage; and didn't have to pay for parking). We also went to things we probably wouldn't have given a second thought to in times of plenty with the motto: You won't know if you dont like until you've tried it.
@truthseeker6370 25 күн бұрын
Having and following a budget is truly key! I remember when I was in debt- it was so easy to keep spending money I didn't have! Working hard to get out of debt truly changes future behavior!
@lemonteapot1061 21 күн бұрын
For the first time this year when we went on holiday to Greece it wasn’t on credit, all paid upfront. And I budgeted over several months for the added expenses too - train to and from the airport, spending money at the airport and on the plane and holiday spending. It was the best feeling thinking that the money was there saved specially to enjoy, without getting me into debt. Budgeting is NOT boring it’s AWESOME
@marymanning5150 22 күн бұрын
I worked out it was costing me £5k a year to go to work at a company were I wasn’t happy. So I figured I could get a job closer to home for £5k less, which did. Saved money, time and I was happier.
@strlslvr987 25 күн бұрын
Yes! We have been working on stopping the habit of window shopping for entertainment
@jbalconi9903 25 күн бұрын
The looking forward is a great tip. My cousin has been having contractors giving her estimates on all sorts of home improvements. She's been saving for six years to pay for them. It was PRIORITIZING, which is right up your alley! The sidewalk was tilting towards the house, which could lead to water damage. So that was #1. The other jobs were prioritized according to the typical life expectancy of the materials; for example, the roof. After looking up the typical prices for those jobs, my cousin started saving towards the higher estimates. I'm doing the same thing with my paid-off car. I asked the dealership to let me know about used cars similar to mine. Although I have no intention to buy right now, I will have a good goal.
@rochellethundercloud346 25 күн бұрын
If you are not tracking your spending,you can't budget.. because you guess at what you spend,not what you actually do spend Plus,you have to see any budget leaks
@terryhenderson424 24 күн бұрын
There have been age long jokes, newspaper comics, and now social media funnies related to: If you saved so much money on that 50% (or other) sale, where is that money in your pocket? The bottom line is that if you spend money, you may not spend as much money to buy items on these sales but you have still spent money. There is no true savings until you have the 50% "savings" still in your pocket. And, if you do actually have that 50% savings in your pocket, there is no savings in the budget at whole until that money is removed from the spending stream.
@user-jd9qw3om6o 25 күн бұрын
Great information. I will now ask for all my daily receipts and in the evening write them down on sheets of large paper with a staple
@themasseyhomestead7614 11 күн бұрын
That's a good idea putting the days when I can eat out actually on my calendar for specific dates. My office is right next to a restaurant and it makes it super easy to run over there and eat.
@StartUpThree 25 күн бұрын
Such great information! I always learn something new that I can apply. Thanks for sharing.
@JustOnePageAway 4 күн бұрын
Your channel is beyond encouraging. Thank you so much for all your tips and advice over the years.
@sophiafelmingham8734 21 күн бұрын
Hi Hope and Larry, thank you for all the work you put into your videos. I am learning so much. I always did a stocktake and menu plan but it never really worked for me as we would eat leftovers so some of the planned food would get near its expiration date and Im ashamed to say sometimes past it. I had to throw out a raw chicken once so it died for nothing 😔 so I decided to make a change. Ive been watching your videos a lot and your prioritised perishables idea is a real game changer for me. We aren't wasting food now! Thank you thank you! I love to watch all your food videos and learn about vegan food. I only buy 1-2lb of meat per week for my family of 3 adults and a teen, and stretch it with veg and lentils. We do eat cheese and eggs I'm trying to learn more vegan recipes to step away from meat more, slowly, in a way that the family don't really notice lol. My husband doesn't tolerate beans very well, which is annoying, but chickpeas and lentils are ok. I'd love to see a video about protein sources and making complete proteins from non meat sources so I can broaden my repertoire. I saw your video about fake bbq spam and I'm going to try that as a meat substitute and would be grateful for any other fake meat ideas to ease the transition for a semi-reluctant family 🙏 Sending blessings to you and your family, from Kent in England
@kimberleya4246 17 күн бұрын
I'm over in Australia. My daughter had a private dentist appointment. They gave me a price for her crowns on my health insurance. When I said I'd pay for it and claim it back myself it was a huge difference in the price. I can't remember the exact amount as it was back in February
@maryd7896 25 күн бұрын
Great tips!! ❤
@robindouglas7545 25 күн бұрын
You two are so informative on all your videos. I shared it with my granddaughter. Our young adults need any tips for sure. Thank you for great advice!!! God Bless You 🙏😊❤
@Joce123 24 күн бұрын
Great reminders!
@melanielanedavis9522 25 күн бұрын
❤ you guys such great ideas to share
@Adnanhasb1 23 күн бұрын
Thank you for the amazing share. Very insightful
@rochellethundercloud346 25 күн бұрын
Ask yourself why? Why do I have to buy the latest trends? Why do I need all that clutter and debt? Who am I trying to impress? Do they really care what I have? Would they take me in if I became homeless? Do they pay any of my bills?
@Under510 7 күн бұрын
Interesting choices! Thanks for sharing
@victorwadsworth821 22 күн бұрын
About to go in for bi-pass heart surgery July 29th 2024, will maybe out for a couple months getting better.
@user-rr9zd1lp7r 24 күн бұрын
You have inspired me to save I have started but then where to save
@PatientMentalX 24 күн бұрын
I've been a follower for years and love the content. You've mentioned in your videos that you homeschool your kids. How have you applied your budgeting and saving principles when it comes to that area? I homeschool my children also and would like some tips if you have any to share on the subject.
@samwdavis 22 күн бұрын
BELIEVE ME!! I really appreciate all of your advice on saving money and frugal living. BUT... everyone knows that every budget involves two elements.... INCOME and EXPENSES. Everything you publish focuses on reducing expenses, but I never hear anything about increasing income. Why is that?
@UndertheMedian 21 күн бұрын
We actually have talked about increasing income in other videos.
@emsiesenvelopes 23 күн бұрын
We are in the process of buying a house. I was wondering if you have any advice for new homeowners. As renters everything has been routine and like clockwork. But we will soon have informal loans to family to pay back after buying, as well as new insurances to consider. And we already know there are repairs that need doing that we'll have to budget for, as well as routine maintenance. Where on earth do we start?! 😂😅
@Joce123 25 күн бұрын
This motivates me to try a vegan menu.
@suzettecooper382 23 күн бұрын
@@Joce123 it's great
@DreaLightrider 25 күн бұрын
I buy lunch at work everyday some times even breakfast, that really adds up. The communal lunch area is toxic, so I try to eat out in my car. But where I live, the summer gets as high as 95F, and winter can get to -15F. So, keeping food in the car is challenging. Any suggestions for food I can pack that doesn't require refrigeration or heating? I've thought about dried fruits and nuts but don't know what else.
@lae32264 25 күн бұрын
Can you pack a lunch in an insulated bag/small cooler and put some ice packs in to keep it cool until your lunch break?
@rochellethundercloud346 25 күн бұрын
Maybe invest in a mini crock pot that you can plug in the cigarette lighter in the car to heat? insulated lunch bags and Ice packs?a Coleman cooler?
@suzettecooper382 25 күн бұрын
What about taking frozen sandwiches in a esky. A small sandwich box in your bag. I live in Australia and it's hot as well.
@DreaLightrider 25 күн бұрын
@lae32264 spring, fall and winter I could but summer it gets super hot in the car and the packs thaw quick. Would the trunk be cooler than the inside of the car?
@lae32264 25 күн бұрын
@@DreaLightrider I keep a Styrofoam cooler in my trunk all the time. When I pack a lunch, I'll put ice packs in a small cooler with my lunch. Then I put that small lunch cooler in my Styrofoam cooler in the trunk. I've never had problems. I put 2 or 3 of the hard blue ice packs in with my lunch. I always make sure to put them in the freezer the night before so they are ready to use.
@juliemoore6957 25 күн бұрын
Great video!
@UndertheMedian 25 күн бұрын
Glad you enjoyed it
@Mrsmadison45 21 күн бұрын
❤ We are here its been a minute for sure, busy with Cowgirls healing process from her Total Left Hip Replacement Surgery in May, Cowboy is doing well. We discovered when we chart on paper our mind set changes where you can see your Mason Jar of cash grows then transfer the cash into your High Yield Savings Account ❤ $2000.00 ❤ is now saved every month now for the last several months now, we shall continue this until December. Goal is being met ❤
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