Interesting how over 2% inflation has been a concern when central banks and the Fed begin to hike interest rates. I consider the rising interest rate to be a very serious issue since it will undoubtedly cause more investors to withdraw their money from the stock market. But then I'm still aware of certain investors that continue to earn over $365,000. Wish I could accomplish that.

Haha I actually cut my foundation tube in the middle when it gets really low. I scoop It out with a q-tip and I get three more weeks worth!😂

Shop at Aldi, Trader Joe's, and Oriental markets. Normalize picnic dates.

In my childhood neighborhood, we had a clothesline outside and one in the basement. Today, I use a dry rack and the shower bar to hang up shirts. It lengthens the life of the clothes and it saves electricity.

I save granola bags and rice bags that have reclosable bags. I use freezer tape to id what’s inside. These bags are thicker and sturdier than most store bought bags and allow me not to buy bags. Bread bags are great to reuse for home made bread and to put Costco bread in-you have to buy more than you can use before it molds so i put 2-4 pieces of chibata bread in a bag and freeze it. And no, I didn’t buy membership, I’m on my mom’s. They also have French country loaves 2pk so I freeze the second in bread bags. I also cut up vegetables i buy into sizes I use to cook, freeze them flat so they don’t stick together. This can be done in a recloseable bag, fill less than third and lay flat, spreading the veg out. After frozen, squeeze bag to separate them. You can use a second bag to fill and one to freeze flat and keep filling the one until full. I do this with carrots i dice, broccoli and cauliflower, celery, onions, peppers and spinach. Buy fresh then freeze so none goes to waste. It works with fruit in season when it’s cheapest, to freeze and use in pies and smoothies.

I'm British and I've never owned a clothes dryer. All our clothes are air dried, for free. Most people I know don't own one, or rarely use one if they do.If you can do it in cold and rainy Britain, there's no reason you can't in America. Your clothes will smell much fresher!

I have years of experience working in grocery stores. As long as you cook or freeze your meat products by the sell by date, you’re good. Take it out of the original package and place in freezer bags. Note the date you freeze and use within three months. I also add marinade and or seasoning prior to freezing. Pull what you need for the next couple of days and your meat will marinate as it defrosts. If it smells bad, don’t eat it. I’ve saved hundreds of dollars by buying marked down meats.

Hanging clothes on the line saves us a ton during the summer. Buy generic on 99.9 percent of items. No car payments Rarely eat out. Buy or rent a movie rather than movie tickets. It’s cheaper Clothes are thrifted. Furniture is thrifted. Spray paint fixes a ton of issues and makes it all look nice. No credit cards Dollar store makeup works just fine. We use our plastic grocery sacks as garbage sacks for our smaller cans. Cook from scratch for many things… not all. Don’t buy junk food. Even our valentine and Easter treats are homemade treats rather than candy from the store. Our biggest help was using a cash envelope system and making a monthly budget spreadsheet. We gave every dollar a place in the budget. Kids only were allowed one sport at a time. And only after they got into the 9th grade. All other extra activities were not in the budget. Didn’t take big fancy vacations. Paid our house off after 18 yrs this past thanksgiving on one small income while raising seven kids! Don’t have to be weird or fancy. Just use common sense and learn to hate debt! It drove us to get it all paid off! Gazzel intensity!

Another frugal tip is not going to the movies. It now costs me between $15 and $20 to go and that is with a senior discount! I actually find much more interesting viewing on KZfaq and Rumble.

You can just empty the trash cans in the bedrooms, office and sometimes bathrooms as long as they aren’t wet to reuse those garbage bags.

We skip those high ticket prices of touring Broadway productions. Instead we have season tickets to our local community theater. An entire season of 10 productions is the cost of one touring show. We even took it down a level last weekend and went to see a high school production of Mama Mia. Only $10 per ticket and we had a great time. Was it Broadway quality? Oh course not, but we didn't spend $100 seat (plus parking) and got to support a group of kids trying their best.

By paying cash for a car you have the added benefit of not being FORCED to have super-expensive collision insurance! Collision is what pays for damages that YOU cause, so if you are a truly careful driver, not needed!

I don't know how weird this is but my mom taught me to never pay full price. Whether it's groceries, utilities, clothing, insurance, vacations or bigger items like buying a car or a home...doesn't matter. Wait until items go on sale, use coupons, ask for a discount or switch brands. Even saving just 5% or 10% can make a big difference in your overall budget.

These behaviors in Rachel's list are kind of typical among frugal people. The show Extreme Cheapskates on TLC will show you the MOST bizarre and hilarious lengths people will go to save a buck.

I just bargained $50 per month off my rent (because I’m a teacher). It never hurts to ask!

3. Giving. "You can't out give God..." My Pastor's saying. It is true.

Great video, one that folks really need to watch. I' m 50, retired a while at 45. 1 have 35% of my capital invstments in an IRA. 25% in index funds, and the balance spread across other investment accts. in cumulative of over $ 5M saved. I receive income from my rental properties too. Zero debt and all is going accordingly..

I was literally coming home from giving a neighbor dinner when I had that same thought about giving saving me money. It cost me to make more food but I feel like giving will help me be grateful for what I have. Then I turned on this video and you said the same thing haha!

I agree with your dad. Reusing the popcorn bags on subsequent movie theater visits is stealing 😮

No one is more frugal than my aunt and uncle were. They grew up in the depression in the mountains of westrn Maryland. They grew or made what they needed. My uncle showed me a pair on dress shoes that he had for forty years. He made most of his woodworking tools.

I add vinegar to my dishwashing liquid to stretch it.

We use reusable rags daily. We also employ the use of blackout curtains and definitely use natural light.

The US is one of the few places that don’t dry their clothes naturally. It doesn’t have to look like you suggested. In Australia most people have a fixed outdoor clothes line(metal) but I have seen examples in wet/cold places like Denmark too.

Rachel, When you said the 2nd in list of use cloth towels instead of paper towels, your visual list printed the same thing twice “squish toilet paper” and left out your spoken second point.

I'll give you my 3 cents worth as a very frugal person. I use paper towels for greasy things and cat messes, I first use as napkins, usually a half sheet or two per day. I'm never going to try to get that stuff out of rags and don't have enough rags to just throw away. I like fluffy towels and grew up with line dried ones and will never go back. Turning off water heater in summer? What do you wash your dishes in? My well water is 42 degrees, I'm not showering in that, as I don't want to die of hypothermia!😱 Being frugal means deciding how each one of us chooses where to spend our money.😊

add water to cleaning product, the ratio will not be correct to do its job. reuse garage bags, nice way to attract bugs and rats, exterminator isn't cheap.

Check out antique and consignment stores, or charity stores for good quality furniture.

Nope, reusing the popcorn bag for another visit to the theater is cheap and stealing. You are getting something for free that they expect to be paid for. Getting refills when you are there on that trip is perfectly fine.

For those who haven't thought of it already, fasting will save you money. I'm talking 72-96 hours at a time without food. You may have to start small, like 16-20 hours at first if you're new, but making a grocery supply last at least a few weeks with prolonged fasting once a week saves a fair bit on its own. I've seen some benefit from it, health benefits from fasting is near endless as well.

Being different is SMART!

We use rags sometimes and papertowels for really yucky stuff to preserve the rags. I have a giant old towel we use as the"spill towel" because it works better than a ton of paper towels and then we don't have to waste a bunch!

Those smart water heaters can really save some money, especially when you have solar panels and set it up to heat only during noon - not free everyday due to clouds, but much cheaper

5:07 #2 Don't do car payments has a #1 next to it even though #1 was No credit cards. Just thought I'd let you know. Great video. 😊

yes the popcorn "trick" is stealing ...if you have to ask, then you know what the right answer is

Love this show. You're weird doing weird things. Thank you!! Using Every dollar 😊

Have my own budget called common sense!!

If you use i door drying racks, you can line dry year round😊

Avoid car payments, buy a used quality car that gets good mileage and low on insurance. Keep looking for ways to money on anything. Wish we could find a way to get a good deal on live sports, because spectrum is slowly increasing. This time $20.

I have heard turf lawns have their own problems. I hate the idea of paving the world in plastic. Hanging laundry is common here.

Roku is great cable and satellite cost ridiculous amounts also I think a bidet works better than tp.

I buy my make up at the Dollar Store, cheaper than Drug Store, I have Roku but I only watch whats free, I cut my grocery bill by cutting out lots of meat I never go to the movies. Our entertainment is church socials r taking an afternoon drive. Only eat out at lunch time because u can get lunch specials, a lot of time hubby and I share a lunch special for instant Bar be cue restaurants. They have like the 2 meat deal so he gets the meat he wants and I get mine and we half the Texas toast and vegs. Just a few of the things we have done to save. Love to watch U and your Dad

Unplugging appliances before use would definitely save money 😂

I agree with the giving

Rachel Cruz is 1000% correct on giving! I just game money to a family member in Nigeria. I felt the joy and peace in my heart after I gave. I actually spend less on myself when I give. It’s the BEST thing you can do with money period!

I cannot stress enough to budget, it gets you what you really want or need

popcorn bag economical VS stealing yes/both. as granny used to say, just because you can, doesn't mean it's right. free refills at that event, not in perpetuity. what does sharon say as to her ''justification''?

When I was young, everyone hung out clothes in freezing weather (and warm weather).

I don't think the small fridge thing is a good idea. They aren't very efficient and they come with a tiny fridge, so it makes buying in bulk or meal prep very difficult.

I will start squishing the tp! I did find my brother a good birthday gift at a thrift store! I usually buy thrifted furniture I did just buy a headboard that was way on clearance and cheaper than some of the thrifted options. We use generic products, I buy ELF makeup because it's probably the most affordable makeup at the grocery store, it's very good quality and it's not tested on animals! And we use grocery store bags for trash bags.

Got one good one from your list Thank you! Turf lawn in one space! On second thought may not survive lawn mower man a getting around to the part he uses! Will look into it, discuss it!

As a former movie theater manager, please don't use the popcorn "trick." That is totally stealing and hurting an already struggling (after covid) business! The concession stand is what keeps the business running as they get only a very small portion of ticket sales!

Love you Rachel you are a bless sister

I have always rounded off my bills so it creates a small balance in checking..... I save single dollars. Just pop them in a zippered case in the budget drawer and it adds up and it goes into savings. Grocery shop with CASH. Cash that is budgeted for groceries. Forces me to stay on that list which is the menu for the week. Never grocery shop without a list. Finally, raise your 401k contribution every year. My goal when I can is 15% but for now leading up to that point, I raise the contribution 1 percentage. It's making a difference!

The popcorn trick sounds like stealing to me. But then again, when my train ticket doesn't get punched by the end of a trip, I tear it up instead of reusing it in order not to steal, so maybe I'm extreme.

I pay for gas and car insurance, house insurance by card points get used on groceries. There are responsible credit card users. Vehicle insurance internet bills are the same every month doesn't mean you spend more with a free card that is paid off, often I would pay the years vehicle insurance cheaper if you pay by the year then pay the credit card the next day. And then by paying the card off immediately you get points faster.

You can flip the breaker to the water heater off if you know which one it is--I do that in the fall since I skip showers in the cooler months. Why shower every day if you don't get all sweaty? Makes no cents (ha ha).

I completely canceled Spectrum and use unlimited Data on my phone. All entertainment is provided by my huge DVD/VHS/CD/VINYL/VIDEO GAME collection. All acquired from garage sales. I buy in bulk and sell off the ones I don't want and I make money.

I still don't understand how you would spend more using a credit card vs debit if you're immediate tracking every purchase in your budget. Psychology that feels exactly the same to me.

It comes off as a little detached to say that hang-drying clothes is "Italian village" vibes. Like, what?

Things I Do to not spend extra money Buy on sale Thrift certain products Use LED lights No makeup products No cable Became minimal with my home and lifestyle choices I use all your principles as well. ❤❤❤❤

Post in your neighborhood group asking if anyone is selling an item before you buy it full price!

I love cash back rewards. Here in real life, I've expenses like cell phone, utilities, etc. Put'em on credit card and build cash back rewards. Be sure to pay off the balance in full. Every paycheck I pay off tbe card entirely.

I try to save So far the best way I save … don’t eat out Or cut back seriously It seems to be the best way for me to save I already have no cable I’ve shopped for insurances and internet and our cell phones plans.

Reusing the popcorn bag on subsequent visits would be stealing. It is supposed to be refills for the same visit.

5. Hmm....I personally don't eat a lot of popcorn 😂

The popcorn thing is called theft

What do I do with the trash if I want to reuse the garage bag? 😆

The popcorn thing is called stealing...

My Sister-in-law did not use heat or a/c. She said she could not afford it. She did pay the heat and a/c for her two sons who had homes. They were is their early fifties.

2:41 Be careful with roommates, you might come home and the valuables and roommate might be gone.

Unless stated otherwise, it is generally understood that the theater gives free refills during the time your movie runs. Once you leave the movie house, the free refill deal ends. So, if you reuse the bag at later movies outings, you've breached that implied agreement. I will bet there is small print somewhere on the bag itself or on a sign saying this. Look for it.

Like the popcorn bag idea! But , imo I personally feel it’s dishonest. 🤔 ( stealing, I suppose..) Great “ thrifty” idea otherwise! 👍

a bidet, or cleaning oneself with water is WAY more hygienic than with toilett paper. (As done in Japan -, among other countries, for instance...

What we do to save money: 1. Butcher our own sheep 2. Buy beef by the quarter cow 3. Drive old cars 4. Have solar and battery. No power bills and the system cost 16000$, yes, but saved us 2500$ a year for 3 years now… and saved us from countless blackouts 5. Almost never eat out 6. Have our own chickens for eggs 7. I am sure there is lots more…

“Normal“ is nothing more than a setting on you washing machine 😂

Unplugging an appliance is not weird. That's how fires start.

I use only 2 sheets tp

It requires skills but if you can do your own car maintenance, or know enough about cars to know a fair price for a worthwhile job, and do your own computer maintenance/building or part selection, you can definitely save money. If you can get a new engine for an old car, and affordable panel beating, you can restore an old car to a high standard.

We pay everything off asap.

I was thinking about the “reuse popcorn bag” story the other day and couldn’t remember which friend’s mom did this. Ha! It was YOU!!! So glad you shared this and cleared up the mystery in my brain!!

Don’t garbage bags go out with the garbage? How can you reuse them?

Until stores stopped handing out plastic bags we used to reuse the grocery bag as our garbage bags. They got recycled and saved money.

All my furniture i fro thrift stores, save a pile of money and support a good cause like the salvation army. I bought a desk for $50.00 I'm sure would have been $300.00 - $400.00 new there is absolutely nothing wrong with it, not even badly worn. Save your plastic bags as long as they are clean, like bread bags, produce bags. Reuse them as sandwich bags, or to store left overs. Saves buying purpose made storage bags which are really kind of expensive given what they are.

Budget, get best price for insurances and utility bills, get your partner to cut your hair, no spend months( I'm up to my 7th), work all the time, eat at home, listen to the Ramsey show everyday to keep you inspired. Be intentional with every cent spent!

4:03 You can reuse garbage bags if you used some garbage bags to take your clothes to the laundromat or someone else used it to put a bigger gift in as a low cost gift bag. No sense in wasting trash bags if they can be used for their ultimate purpose - to actually throw stuff away.

Rachel I am a mortgage broker and I just ADORE you and your content is so comprehendible!

We hang dry nearly all our clothing, but not linens. Can't stand scratchy towels! Because we live on a small island without shopping available, it costs more to go to the mainland to shop than to order online. So yes, we use ONE credit card, and pay it off every month. No car payments.... can't remember last time we had one.... maybe in 1986, the only time we bought a new vehicle and it was the worst car we ever had. We rarely eat out, and our meals are a lot more healthy than when we lived on the mainland and ate out several times a week. We give- we support Samaritan's Purse and Operation Christmas Child. We don't take luxury vacations, don't buy new vehicles and are frugal in most purchases. We find a lot more joy in sharing than bragging about cruises and condos.

Yep we are paying off our house now.

There is nothing wrong with credit cards. I buy everything with mine and pay it off several times a month. I have gotten a ton of free clothes with the rewards I earn.

My late wealthy frugal Uncle bought only one.Sunday newspaper removed funnies n used as wrapping paper hence 52 free sheets wrapping paper used string to secure Removed all coupons n used n traded them. After readin paper hed wrap paper round broom handle n secure with metal coat hanger that gave him 52 free fire logs a year hed burn them n his wood burner then hed remove ashes n compost. When coathanger got brittle hed throw it in with scrap metal to sell at junk yard. Oh i forgot he got Sunday paper by subscription so big discount no waste

I like the rewards points idea. I think what that person meant is ensure you earn enough rewards points on said card to pay it in full. So, the rewards pay the bill. But I agree that it's not something I'd put at the top of my list. I'm of the opinion that the popcorn trick is borderline theft. Perhaps pregaming before going to the movies is best. Eating something at home. Or even renting the movie. I personally don't eat out or go to the movies much. Mainly because I strength train and I've found I'm able to better control what goes into my body when I cook it. I'm a millennial. But my parents and Grandma (maternal) taught me (my brother and only sibling too) how to cook and clean. I don't order stuff like hello fresh. I buy the ingredients. And I clean my apartment myself. Some areas admittedly still need to be cleaned. but It also helps that I live in a studio apartment. I also do my laundry once weekly. Well ... I try to. My current work clothes are all machine washable. With the exception of my coats, gloves, belts, and shoes. And if they need repairing (i.e. button or mending) ... I let my Momma do that. My sewing skills are garbage. I know how to. I just don't have the muscle memory. I'm Andrew. I try to do what I can to save money. Especially since I live in Reston, Virginia. I even clip coupons. Something I remember my parents and Grandma doing. I have a budget on a google doc. Your app is too difficult for me to use. I also write my grocery list more or less according to how the store is laid out. If that makes sense.

It's a free app? Didn't know that😮

I save 30 to 40 percent of my grocery bill by following ONE simple rule. FINISH ALL.THE FOOD YOU PURCHASED. It is also good for the environment as well.

I can't use the app in The Netherlands (Europe)😢

To finish, yes, reusing a bag to get free popcorn is dishonest. You have to think morally and not just financially.

Turn off water heater in summer 👎 Use credit card points for Xmas 👍 only it you take advantage of it

why is reward card points bad? 65, never paid interest. rewards is a t.u. from the card company. i have no control over those who pay interest.

Eat out less often. Compute your tips "pretax". Ignore the suggested tip calculation on your receipt. It includes tip on sales tax. Don't buy prepared foods at the grocery store. Prepare more meals that have leftovers (for day#2 lunch or dinner). Combine errands to save on gasoline. Learn how to do simple household repairs yourself (from KZfaq). I recently upgraded my thermostat to a Smart WiFi model thanks to KZfaq instructions. I probably saved $200 by not calling the HVAC contractor. And never ever pay fees to do banking. Banking should be free since you're giving them the priviledge of holding onto your money. Believe it or not, there are many good banks who don't charge fees (credit unions, online banks, etc).

Most of these weren’t weird

Charity thrift stores are great. Get a pamphlet on the organization to put with gift.