10 Things To STOP Paying For NOW! | How to Save Money UK

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10 Things you should STOP Paying for Today to Save Money :) ♥. Cut these from your Budget to help you increase your Savings Rate for Financial Independence.
★★ WHAT TO WATCH NEXT ★★
How We SAVE 60% Of Our Income For Financial Independence UK - • How We SAVE 60% of Our...
How We Live Well On A £50 FOOD BUDGET (Family of 4) - • How We Live Well On A ...
How We PAID OFF Our Mortgage in 7 Years - • How We PAID OFF Our MO...
Our 12 Multiple Streams of Income UK - • Our 12 MULTIPLE STREAM...
10 Mindset Shift That CHANGED MY LIFE FOREVER - • 10 MINDSET SHIFTS That...
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★★ LINKS MENTIONED IN THE VIDEO ★★
(09:51) - American Express card for Travel Avios points - thehumblepenny.com/AMEX
IMPORTANT: ONLY USE CREDIT CARDS IF YOU WILL PAY IT OFF FULLY MONTHLY.
(15:45) - 27 Meal Prep Ideas For A Happier Life - thehumblepenny.com/healthy-me...
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MARY:
I'm married to Ken and we have two boys aged 6 and 4. I'm a Londoner, born in Hackney! :)
Day to day, I run the operations of The Humble Penny as a creative - doing everything from marketing to video editing. I studied Multi-media design and technology at Uni
When I'm not creating, I love vegan food, travelling, working out and doing some outdoor fun things with my husband and kids :)
KEN:
I'm a husband, dad, and a First-Generation Immigrant to the UK. I started life poor in the UK and I've spent the last 20 years on a steep journey of Personal Development.
CFO by day with over 12 years experience in the investment business. I'm also a Chartered Accountant and hold an MBA from Cambridge University.
To explore my creativity, I'm a blogger and RU-vidr by night. I create from my experiences as a family man and entrepreneur.
I have a passion for all things Financial Education, Business and Personal Development. I also love Photography, Music, Travel, and Sport.
We became Financially Independent aged 34 and our story has been featured on the BBC, Mail Online, Channel 5, Metro, etc.
We share content to inspire and teach others how to achieve Financial Independence and Freedom too :)
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★★ ABOUT THIS VIDEO ★★
How to Save Money UK,How to save money,Everyday Things You Should Really Stop Paying For,ways to stop spending money,saving money,ways to save money,the financial diet,ways to save,frugal life,personal finance,what not to spend money,save money hacks,personal finance,money hacks,frugal living,stop spending money,finance,money,budgeting,Budget,Minimalism,simple ways to save, wasting money,money saving tips,Ken Okoroafor,Mary Okoroafor,The Humble Penny.
Massive thanks for watching and following our channel :) ♥
Best, Mary and Ken Okoroafor
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Опубликовано:

20 июл 2024

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Комментарии : 363

@TheHumblePenny 4 года назад

★★ 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

@silversurfer6758 4 года назад

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

@TheHumblePenny 4 года назад

Much appreciated, SilverSurfer! 😊

@barrythomas7724 4 года назад

Liking the UK based advice and content. Subbed!

@TheHumblePenny 4 года назад

Cheers, Barry! 😀

@FreeyourFinance 4 года назад

There are not many content creators in the UK. These guys are definitely one of the best!

@AbigailChristineIsrael 4 года назад

Absolutely beautiful couple with excellent knowledge!

@TheHumblePenny 4 года назад

That's a super kind message 😊. Thank you, Abigail.

@kerrinewton5074 4 года назад

Beautiful couple I agree!! I think this representation in our community is important 😔😍🥰😍

@TheHumblePenny 4 года назад

Kerri, much love ❤️

@dallassukerkin6878 3 года назад

Aye :nods: Good looking, charismatic and thoughtful people :salute:

@petc8504 4 года назад

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.

@TheHumblePenny 4 года назад

Great tips!

@rockabilly2912 3 года назад

Same here

@joshdawson5201 3 года назад

Tech21 case, dropped dozens of times, never a scratch.

@paulinesmyth5830 2 года назад

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 💴 💴 💴

@TheHumblePenny 2 года назад

Pauline, thank you for being brave to share this. On a day like today, this message that posted couldn't be a stronger warning to others. We're glad that our channel is helping you 😊

@lexylaw3404 4 года назад

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

@TheHumblePenny 4 года назад

😊💛

@TheAtekay 4 года назад

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😅

@ariesmelaninchild3133 4 года назад

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

@TheHumblePenny 4 года назад

Thanks so much, SLou V! 😊

@rosegumbo683 4 года назад

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

@TheHumblePenny 4 года назад

👊🏼

@AnstariaJones 4 года назад

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!

@vivianea6352 4 года назад

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.

@TheHumblePenny 4 года назад

Hey Viviane, awesome!! Welcome aboard :)

@JustFrugalMe 4 года назад

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

@TheHumblePenny 4 года назад

Thanks for watching 😀. Any particular topics you'd like us to create content on?

@GabbyTarrant 4 года назад

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

@simantha1686 4 года назад

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.

@TheHumblePenny 4 года назад

Hi Simantha Thanks a lot! 😊. Your content looks great and you communicate well. I think you'd need to fine tune a few things and things will move up a level. As for becoming more money savvy, heck yeah! 😉

@Mshodeinde 4 года назад

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

@TheHumblePenny 4 года назад

Thank you, Mary 😉. We're glad you love the channel. Let us know if you have any content suggestions.

@kayleighmoliver 4 года назад

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!

@TheHumblePenny 4 года назад

Much appreciated, Kayleigh 😀

@lindseybellamy6374 4 года назад

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.

@TheHumblePenny 4 года назад

Lindsey, wow that's such a huge point. Most people see tv as a way of relaxing when it isn't at all. Love your new activity of listening to music. I find music so peaceful and inspiring.

@i_love_shiny_things 4 года назад

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

@TheHumblePenny 4 года назад

Thanks so much 😊

@melcontreras1990 2 года назад

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

@TheHumblePenny 2 года назад

Hey Melissa 👋🏾. Welcome 😊. Lovely to hear that you came across us from Mumsnet. Thank you for watching. Please share our videos with others too.

@elusiveali785 4 года назад

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

@TheHumblePenny 4 года назад

Great to hear 😊

@YOU-ek8uu 4 года назад

They are lovely. They always make me smile.

@flp2635 4 года назад

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

@TheHumblePenny 4 года назад

Much appreciated 😀

@nathanj109 4 года назад

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

@TheHumblePenny 4 года назад

😂 we had a lot of fun making this one. In fact, we were more rushed off our feet and had just 30mins to record it. Glad it turned out well and that you enjoyed it

@BoeyBear 4 года назад

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! 💛 🐻

@TheHumblePenny 4 года назад

Impressive that you stopped just like that! Most people are hooked on the sugar!

@BoeyBear 4 года назад

@@TheHumblePenny Well, I won't mention how much I spend on chocolate, biscuits and sweets... 😆

@TheHumblePenny 4 года назад

@@BoeyBear 😂😂😂

@ranjithramachandran6571 4 года назад

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

@8lack8erry1 4 года назад

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

@TheHumblePenny 4 года назад

Welcome! 😊. We're happy to have you check out the channel.

@christines5430 4 года назад

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

@TheHumblePenny 4 года назад

Hey Christine, that just makes us smile 😊. Enjoy!!

@sungjinkim3338 4 года назад

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

@TheHumblePenny 4 года назад

Hi Sungjin Much appreciated message 😊

@TAHMBEG 4 года назад

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.

@TheHumblePenny 4 года назад

😂🤣🤣🤣. Generational thing?

@mariancounsellor 4 года назад

Looking great guys! Thanks for the tips ❤️

@TheHumblePenny 4 года назад

😉💛

@downeyjr4423 4 года назад

Love how you guys break everything down. Stay blessed x

@TheHumblePenny 4 года назад

Thanks you much, downney jr! 😀

@PedroSantos-bn1gw 4 года назад

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

@TheHumblePenny 4 года назад

Hey Pedro, wonderful 😊. We much appreciate your support. You make a good point about insurance. It's yet another thing to pay for on order to supposedly protect these expensive phone upgrade. I'm intrigued about how your household costs have changed as your daughter grew into teenage years. Did costs increase materially? And why?

@PedroSantos-bn1gw 4 года назад

@@TheHumblePenny I believe costs are starting to creep up and is an area that can snowball, mainly from school expenses (A Level books, trips, days out with friends, driving licence at 17, preparing for uni, not having to wear school uniform). When younger, costs were easier to plan for and spread over longer periods such as hobbies like swimming, piano, parties.

@TheHumblePenny 4 года назад

@@PedroSantos-bn1gw Gotcha! You should start encouraging her to take up a side hustle early. At that age, they have much better ideas and can connect the dots quicker.

@RandomVideosFirst 4 года назад

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

@ukfalc 3 года назад

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. 👍

@marietchiongho819 4 года назад

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

@TheHumblePenny 4 года назад

Welcome aboard, Marie! 😀

@anaveragemuppet 4 года назад

Absolutely loving you two and your content, 𝐓𝐡𝐚𝐧𝐤𝐘𝐨𝐮 so much for being on RU-vid xxx

@TheHumblePenny 4 года назад

Much love, Claire 😊💛

@anaveragemuppet 4 года назад

@@TheHumblePenny same right back at you xxx

@benj6244 4 года назад

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.

@TheHumblePenny 4 года назад

Cheers, Ben! Holidays will always remain a debate and I get you 😀. Got any hols planned this year?

@benj6244 4 года назад

@@TheHumblePenny centre parcs soon and we'd like summer holiday but will have to see how the side hustle goes! As you guys say, moderation is key

@sgist7824 4 года назад

We don't holiday every year, but when we do we never regret it. Precious memories and when we're older we may not have the energy...

@TheHumblePenny 4 года назад

You make an important point

@Erin-rg3dw 2 года назад

Ditto. I don't go overboard on my trips, but I do try to enjoy them without my usual restraint. The car payment one makes me chuckle - so many people have these big car payments that 1) could have been avoided by buying a slightly older car, and 2) you don't get anything back for all that payment. I have a friend who recently bought a car wayyyyy outside his price range (it's bad on many levels) and now he's struggling to make ends meet.

@Rleatfitness 4 года назад

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

@TheHumblePenny 4 года назад

Appreciated! 😀

@mscocolee 4 года назад

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!

@TheHumblePenny 4 года назад

Hi mscocolee; Thank you for the video suggestion! I will add it to our list of videos to make 😊 it is so easy spend a lot on beauty products. Good on you for taking steps to change this 👊🏽❤️

@01dimster 4 года назад

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

@TheHumblePenny 4 года назад

Much appreciated! 😀

@JustClaireGrace 4 года назад

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!

@TheHumblePenny 4 года назад

😂 it was properly battered. Sometimes I'd speak with her on the phone and the phone would switch 2mins into the call 🙄

@sami8327 4 года назад

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

@bmj2424 4 года назад

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

@hayleykenneally3362 4 года назад

Loved this!!! Thank you

@TheHumblePenny 4 года назад

Thanks, Hayley! 😀

@GabRiel14126 4 года назад

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

@TheHumblePenny 4 года назад

Thanks, Jheng! 😀

@edfinbow 4 года назад

Great vid! Enjoyed

@stir1berry 3 года назад

Hi, just found your RU-vid 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?

@urbansandscript 4 года назад

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.

@TheHumblePenny 4 года назад

Thank you! Let us know what changes you make on the TV front :)

@GlobalIntMinistry 4 года назад

Thanks for the hard work, lovely couple!

@TheHumblePenny 4 года назад

You're too kind. Thank you 😀

@craiganderson9382 4 года назад

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

@TheHumblePenny 4 года назад

I have a few videos on the subject 😉

@lyssamedana2224 4 года назад

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.

@TheHumblePenny 4 года назад

Thank you, Lyssa! Simple and effective tip 😀

@EzekielCarvalho 4 года назад

Really really helpful video. Thanks a lot.

@TheHumblePenny 4 года назад

You're welcome, Ezekiel 😀

@schuylergeery-zink1923 4 года назад

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

@TheHumblePenny 4 года назад

Hehe love that! 😊

@karmabites4702 4 года назад

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!

@ItsmsMA 4 года назад

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

@sksasha 4 года назад

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.

@TheHumblePenny 4 года назад

Great tip re Holland & Barrett. Definitely one to check out.

@ibemennamdi7784 2 года назад

I love this particular video nice.

@TheHumblePenny 2 года назад

Thank you 😊. What stood out for you in this video?

@zoetsahai 2 года назад

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! 💪🏾

@johnalabi3883 4 года назад

New subscriber. Well done both. :)

@TheHumblePenny 4 года назад

Awesome! Welcome, John 😀

@johnalabi3883 4 года назад

@@TheHumblePenny Thanks God bless you and your family.

@byroncudworth6918 4 года назад

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

@marjorierushie7737 4 года назад

Paying off a mortgage is not the best thing to do if you want to be wealthy.

@eezy251able 4 года назад

@@marjorierushie7737 lol..it most certainly is!! Your biggest wealth building tool is your income. Eliminate debt! Save and invest!

@azhalhalil9429 4 года назад

But what if you like a German car, but only buy 1 expensive one?

@joshdawson5201 3 года назад

@@eezy251able Growth at 7% beast paying down a 2% mortgage every time. Mathematically, letting the Mortgage run and investing instead will make you richer year on year.

@eezy251able 3 года назад

@@joshdawson5201 Yes but that's not guaranteed. Paying your house off is.

@charliemcfadden1847 3 года назад

How refreshing to hear simple good advice on budgeting.

@TheHumblePenny 3 года назад

Thank you, Charlie :)

@nanakwasi9360 2 месяца назад

Thanks guys

@TheHumblePenny 2 месяца назад

Our pleasure!

@tgainerjennings 4 года назад

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.

@TheHumblePenny 4 года назад

😆👊🏼

@rachaelo3882 4 года назад

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 😲

@TheHumblePenny 4 года назад

Hey Rachael, Yeh Mary put a lot of effort into the meal prep post. Definitely one to check out. We will in fact be creating a totally separate food website next year (fingers crossed). So be on the look out 😉.

@rachaelo3882 4 года назад

@@TheHumblePenny whoop definately will. Mary helped me to switch to shopping in Aldi (with the last video) and i havent looked back since😀

@TheHumblePenny 4 года назад

@@rachaelo3882 hehe that's awesome news! 😊

@priyachithra2829 4 года назад

You guys are amazing 👏

@dabzzy 4 года назад

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

@TheHumblePenny 4 года назад

😁

@wherethebellsdwell4610 4 года назад

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!!

@JustKwamz 4 года назад

6:35 Who ran over your phone? hahahaha I'm joking, i love the content from you two.

@kewins1234 4 года назад

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

@TheHumblePenny 4 года назад

Sure! About what topic? We read quite widely on specific niches.

@kewins1234 4 года назад

@@TheHumblePenny personal finance and investing for UK residents. There are a lot of books out there for US and lots of info is unrelateble ! Thank You for responding!

@Ro53mary 4 года назад

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

@amasquisine5699 4 года назад

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

@TheHumblePenny 4 года назад

Mary has said, YES!! 😊

@amasquisine5699 4 года назад

❤️ sweett. I’ll be waiting for the notification !

@TheHumblePenny 4 года назад

Hey Noelle, here it is :) ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-7v9VPGjwrFU.html

@Polinaparvanova 4 года назад

You had me all the way before skincare products lol

@amasquisine5699 4 года назад

I’m just seeing this now. Wow ! Thanks Mary!

@enigmamaa 4 года назад

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

@TheHumblePenny 4 года назад

Thank you! 😀. You're absolutely right on milk. We've actually made coconut milk a couple of times and one cocunut actually makes quite a decent amount of milk.

@tiddlywinks456 4 года назад

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!!

@TheHumblePenny 4 года назад

Great suggestions!

@tracyclinkscales753 4 года назад

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

@TheHumblePenny 4 года назад

Tracy, great move! You'll never look back 😀

@Adam-sm9dt 4 года назад

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

@TheHumblePenny 4 года назад

Yes, you're right. We were hoping people like you would raise this point 😀

@kateosmond1090 Год назад

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.

@butterflycake7 4 года назад

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

@TheHumblePenny 4 года назад

Thanks so much! 😊. Good to read that we are being recommended by RU-vid

@ManLikeAce 3 года назад

Powerful!

@user-xn2cf4xn2r 2 года назад

You guys are so amazing!

@TheHumblePenny 2 года назад

😊🙏🏽

@nikkikokkini7017 4 года назад

Hi Ken & Mary Can you please send me the link to Mary’s meal prep ideas

@TheHumblePenny 4 года назад

Hi Nikki, It's in the notes to the video. Also here: thehumblepenny.com/healthy-meal-prep-ideas-easy-recipes-30-minutes

@OrganisedPauper 4 года назад

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.

@TheHumblePenny 4 года назад

Great suggestions! :)

@OrganisedPauper 4 года назад

@@TheHumblePenny Thank you :)

@___Saint 4 года назад

Great video

@TheHumblePenny 4 года назад

Thank you! 😉

@WildernessTamed 4 года назад

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.

@TheHumblePenny 4 года назад

Thanks a lot! 😊. WOW, 1994!! 😯. I wish I knew about computers in the very early days.

@WildernessTamed 4 года назад

@@TheHumblePenny Hahaha. No the computer didn't come into the house until the late 90's. I made do with the steam radio until then.

@1BrotherFromAnotherMother 4 года назад

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.

@TheHumblePenny 4 года назад

Thanks so much, M J 😊

@yoe-c5x 4 года назад

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

@TheHumblePenny 4 года назад

A timesheet app is a way to do it. Good ones include “Harvest” or “Toggl” or “Avaza” etc

@chaznay1983 4 года назад

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

@TheHumblePenny 4 года назад

I'll mention this to Mary :)

@alexgawthrop1748 4 года назад

Your smiley face Ken just makes me want to listen to every word you say 👍🏼 great couple

@TheHumblePenny 4 года назад

😊👍🏼👍🏼

@fishmessages 4 года назад

Hi. Thanks for the great video!!I literally just went to sign up and then I saw right at the end that there is a £195 annual fee. Is that right? Or have I read incorrectly? Thank you

@TheHumblePenny 4 года назад

Hiya! Thanks!! Annual fee for?

@samanthahardy9903 4 года назад

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!

@TheHumblePenny 4 года назад

Hi Samantha - WOW! First holiday abroad - That must be very exciting. I enjoyed reading your comment about savings. Also very interesting to get a different cultural perspective about Romanian approach to life. I look forward to hearing back on how your holiday goes 😀

@seanmitchy 2 года назад

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 .

@TheHumblePenny 2 года назад

Fab plan. Most people don't even get value from these subscriptions.

@wilsonkusosa2727 4 года назад

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

@sherlynpatterson4304 3 года назад

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.

@rajshu6408 3 года назад

You are so refreshing 💗.

@TheHumblePenny 3 года назад

😊🙏🏽

@ricocaswell3030 3 года назад

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

@TheHumblePenny 3 года назад

Definitely yes to holidays if you're not doing it in debt.

@CoffiewithEmma 3 года назад

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

@TheHumblePenny 3 года назад

Awww, Emma! This means so much to us 😊🙏🏽

@ellenorcarter8174 4 года назад

is there a video on how you made your own beauty products ?

@Victastic7 4 года назад

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

@TheHumblePenny 4 года назад

😂👊🏼

@peterweaver1623 4 года назад

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

@TheHumblePenny 4 года назад

Agreed! Great saver.

@mandystorrs8226 4 года назад

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

@TheHumblePenny 4 года назад

Hi Mandy I'd recommend watching our investing video here: ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-u4n8f-YL5_I.html

@StKezziah 4 года назад

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!)

@TheHumblePenny 4 года назад

Great suggestions, Kerry! 😀