20 Frugal & Money Saving Tips 💰 These Changed My Life

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Save money fast and more importantly, change your mindset about money. Here are the steps I took to go from BROKE to FULL FINANCIAL FREEDOM (and it wasn't about making more money).
I know what it's like to always be behind financially and never have enough money, but I promise you, if you TRY these tips (especially paying yourself 10% first), your financial situation will improve, no matter how broke you are right now.
Podcast Channel on RU-vid: @ClutterbugPod
Website: www.clutterbug.me
TikTok: / clutterbug_me
Instagram: / clutterbug_me
Facebook: / clutterbug.me
Check out my favourite organizing and cleaning products: www.amazon.com/shop/organized...
#frugalliving #savemoney #getrich
00:00 Introduction
01:31 Money is a tool
02:19 Never pay interest on credit cards
03:00 Pay yourself 10% first
04:16 Save all BONUS money (tax refunds, rebates, cash gifts etc)
05:13 Invest your saved money (once you have saved a bit)
06:16 Make a budget
06:26 Use a free money-tracking app
06:46 Use cash
07:05 Watch and read finance tutorials
07:35 Buy second-hand
08:25 7-day no-spend challenge
09:00 Meal plan
09:22 Eat from your freezer
09:37 Meatless Mondays
09:55 Make your own snack foods like cookies and treats
10:06 Evaluate subscriptions
10:33 Negotiate service plans
11:21 Wash laundry with cold water
11:48 Wash clothing less often
12:13 RU-vid University

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Опубликовано:

20 июн 2024

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Комментарии : 1,3 тыс.

@lenettasmith-murray2145 2 месяца назад

Last month I did a 30 day challenge where I bought no groceries & just lived off my overstocked pantry. Never missed going to grocery store. I hate going to the grocery store. I'm so proud of you for standing up for yourself. I hate confrontation also.

@opchick0597 2 месяца назад

Thats a great idea! I'm going to try it for May. Thanks for the idea.

@janeleslie4192 2 месяца назад

Love that idea. I’m working on emptying and using the food in the freezer .

@MaureenOLeary-tz1kt 19 дней назад

I wish I had a big enough freezer to stock on food for a no buy challenge.

@girlonaswing9439 2 месяца назад

I'm so proud of you for taking a stand for the kids!!!! Yay, PIT POLICE!!!!

@rebeccasourpuss 2 месяца назад

"That's not nice!" is the most Canadian thing ever.

@judithvictoria3109 2 месяца назад

Totally! ❤

@louisedoucet8022 2 месяца назад

Came to say the same thing

@katecubed 2 месяца назад

Canadian for "WTF Get in your place". They were lucky there weren't cobra chickens available.

@rebeccasourpuss 2 месяца назад

@@katecubed Too true!

@RaechelleJ Месяц назад

Ikr😅

@Norrieey 21 день назад

I’m saving and investing around 70 percent of my income in the financial market(high yield etfs, stocks etc) pretty much how I made my first million although with an FA. I have a high paying engineering job, and I live upstate NYC. my expenses are low. I have zero debt, low rent and car truck paid off. So i can just save. feel lucky at this point I'm actually grateful for my advisor Dianne Sarah Olson handling my portfolio.

@E.GCreates 21 день назад

Truly Stocks, ETFs and Mutual funds are the best investment decision you can make both short term and long term for steady money flow. Kudos

@Clancysoucie 21 день назад

recently started in stocks and I don't mind investing a substantial sum, i'd like to know your advisor ?

@Norrieey 21 день назад

certainly, she goes by Dianne Sarah Olson…she's quite known, search her up for her info

@Dailypalamides 21 день назад

The thoughts and ideas here are remarkable

@phyllisburtonhearsawho 21 день назад

i might as well just work with your FA mine's a total mess

@djenkins853 2 месяца назад

There needs to be pit security at concerts. Bullies know most people hate confrontation and will get away with it. I think it’s great that you and other parents stood up to the bullying!!!

@CoachRoFlores 2 месяца назад

I read your comment before I got to the story and I thought you meant pit bulls, I didn't even question if that would be a bad idea lol 😂

@lizzabbott 2 месяца назад

YES ! Why is there security for this ?

@Kristen_kiki День назад

I’ve never heard of waiting in line for general admission or pit. Usually you just go in and it’s a free for all. If you want the front you have to work for it. This sounds like more of a kids show though, with seats? Different. Hopefully it was fun anyway!!

@kaydiangel2445 Месяц назад

My husband works 20 hours a week, he makes $13,200 a year. I'm disabled and pregnant with our 2nd baby. We live on very little money, but we are Debt Free. No rent, no mortgage, we live in a RV with very small bills. We spend all day with each other and our kids. He works 3pm -7pm Monday to Friday. Only 4 hours a day. It is nice to be free and spend the day outside in nature together. We are saving to buy a house in cash, I dont trust bank mortgages or credit cards. Being frugal with money helps us live comfortably with very little money.❤ Thank you for all your knowledge and wisdom!

@happydays1336 Месяц назад

Wow! You live an exemplary life.

@kayeherrera3821 Месяц назад

It's very nice to hear your story i appreciate it its very refreshing to hear that always be blessed and take care of yourself and family be joyful and loving 🐞🦋🌻😊😊

@777Pattie Месяц назад

Where do you park your RV??

@jillgott6567 Месяц назад

Don't you have lot rent ? Water, electricity, heating costs ? Personal taxes on the RV ? And being disabled you most likely receive disability money plus qualify for healthcare and food stamps which would add to your income. I understand what you are saying that people can get by on less than they think they can.

@chesterelissah2420 Месяц назад

@@jillgott6567she might live in a state with nice climate no need for heating etc. plus when u make 13k a year for two adults and a child the goverment gives you free healthcare and a lot of money when you do ur taxes especially bc she’s disabled and they have a child. With their 2nd child they’re gonna be getting even more money. Sometimes I want to quit my job bc my hard earned money is being taxed to help others like them even though I am struggling too 🙃

@jenniferrosenthal7731 2 месяца назад

We wear jeans 3 times, use towels for 3 days, pajamas 3 days! Thank you for bringing it up because it blows my mind how often people wash things that don’t “need” to be. I do change out hand towels and washcloths daily

@theagta 2 месяца назад

Seriously so true! Plus the more you wash the faster you have to replace things.

@sadieesther9721 2 месяца назад

Same!!!

@arielleggett4252 2 месяца назад

I agree! If it doesn't smell and it doesn't look dirty, definitely don't wash it! It wastes water, time, energy (electricity and your own energy), AND can wear out your clothes faster!

@lizzabbott 2 месяца назад

SAME !

@deb9806 2 месяца назад

My mom always said your hair is clean and your body when drying, why is the towel dirty? She had a point, I let them go a few days unless obviously dirty

@lorimetzler1173 2 месяца назад

You are amazing. I’m 63 years old, but learn from you with every video you put out. You inspire. Never forget that and please never stop❤

@Clutterbug 2 месяца назад

Glad I can help!

@lizzabbott 2 месяца назад

Yes ! I am 64 & I learn from Cas ! (and Dawn, Dana, Kallie, FrugalFitMom & more !)

@LB-ku6ry Месяц назад

Same! I’m 60!

@karenstevenson7538 9 дней назад

Same at 62 here😂

@deborahwalton-blanchard5817 2 дня назад

64, same! Oh and I meant to congratulate you on the skills learned from utube! I’ve fixed my water main and redone the pipes from the water heater to the kitchen (about 40’) under my mobile. And thank you for being pit police, well done!

@rrandd0 Месяц назад

I am fortunate to have $100k saved by the age of 27 without venturing into stocks. Now, I want to invest safely for growth in the next 3-4 years to buy a home. What's the best strategy?

@AntagonisticAsian Месяц назад

I believe a healthy portfolio has 3 things, at the bare minimum: Exposure to ETFs for increased diversification, Exposure to assets that generate cash flow like dividend stocks, Exposure to market-leading tech.

@blind_luck_ Месяц назад

You don't need to find the next NVDA to succeed in investing. Just choose top-notch ETFs and partner with a financial advisor like I did. I turned $100k into $40,000 in annual dividends-a significant milestone for me today.

@Gothic_heroine Месяц назад

Do you mind sharing info on the advisor who assisted you?

@blind_luck_ Месяц назад

"Kristin Amber Landis" is the licensed advisor I use. Just research the name. You’d find necessary details to work with to set up an appointment.

@Gothic_heroine Месяц назад

Thanks for sharing. I curiously searched for her full name and her website popped up immediately. I looked through her credentials and did my due diligence before contacting her.

@instagamrr 2 месяца назад

It occurs to me how many of us have to re-parent ourselves as we get older and teach ourselves how to live life better. I’m going through this right now with cleaning (hello to your channel!), food, and relationships. And money too lol. It never ends! I love that people like you help out the rest of us when you’ve figured out part of the journey.

@lizzabbott 2 месяца назад

Right ?? Well said !

@AndreasBergman-yj4em Месяц назад

The problem today is most people always think that, you only need a good job to get rich... These millionaires are operating on a whole other playbook that many don't know exists

@ScottGonzalez-yl6ze Месяц назад

Money invested is far better than money saved, when you invest it gives you an opportunity to increase your financial worth

@BrendaWong-yr2tf Месяц назад

The wisest thing that should be on everyone's mind currently should be to invest in different streams of income that doesn't depend on government paycheck. Especially with the current economic crisis around the world , this is still a time to invest in Stocks, Forex and Digital currencies

@stkatri 2 месяца назад

Good for you for standing up to bullies! Glad it worked out and you had fun!

@judyellen4412 2 месяца назад

You know, Cas, people don’t talk about reusing towels or wearing clothes more than once or washing on cold. All great points! And money savers. Kudos to you for taking a stand. Very brave.

@brendayoung5727 2 месяца назад

I wear clothes a few times before washing but not my towels because I’ve had a couple of staph infections and can’t do that.

@PinkieJoJo Месяц назад

You are definitely not supposed to reuse towels because they harbor bacteria. Especially if you dry your face in the spot you wiped your butt the time before.

@yolandapagan5656 Месяц назад

Hey have a separate hand towels for the butt and replace as often as you wish. Reuse the body towels. Just make sure your towel is on the thin side and dries quickly. If you live in warm weather hang outside to dry. It will smell wonderfully clean.

@brittneyisphording1508 2 месяца назад

Another positive reason to shop second hand is it is SO good for the environment!

@karengoetchius794 Месяц назад

I don't know if you will see this comment, Cas, but I hope you do. I've been listening to you for a couple years now, and I never knew that you were homeless as a teen. Can I just say I admire you like crazy pants?? Think of the turnaround in your life - from not having a home, to helping so many people like me make their homes beautiful. You are such a gift to this world and I'm so glad you never gave up. Thank you for pursuing your passion, and helping to make beautiful homes for thousands of families. ❤️

@BackroadMoney 2 месяца назад

I'm so happy for you girl, having money in the bank is a game changer! I only spend money on Fridays, it also makes me think about my purchases and most of the time I decide I don't actually want whatever it was.

@ohcaptainmycaptain4829 2 месяца назад

Does that include groceries, or just things like amazon purchases that you save in your cart for later?

@BackroadMoney 2 месяца назад

@ohcaptainmycaptain4829 Groceries, gas and pretty much everything else. I do Fridays because it's payday. I do all of my errands on Fridays. It does take a little planning and getting used to 🤣

@noraanderson6763 2 месяца назад

Ooh, I LOVE this idea! I love predetermined decisions!

@sylviaskinner6849 2 месяца назад

Wow, this is the interesting concept. I just retired. I think I’m going to have to give this a try.

@megannelson8875 2 месяца назад

That’s a great idea!

@annmerchant452 2 месяца назад

GREAT end story, Cas. Good for you, girl. Proud of you.

@Lisa-jm3nk 2 месяца назад

You are my heroine Cass, standing up for what is fair, and defending people who stand in line, and doing it with civility. This is the most Canadian thing I have heard today. YOU RULE.

@altheaelainejaug8497 2 месяца назад

Agreed!!! ❤❤❤

@brittneyisphording1508 2 месяца назад

Thanks for standing up for you and all the people around you!

@Helena_from_Sweden 2 месяца назад

Yeaaaaaahhhhh! You go girl! Good you stood up for yourself and the “front rowers’” ♥️👏♥️👏♥️👏!!!

@chanelle9733 2 месяца назад

😂I had the exact same situation when my daughter was little but we were in line for a t-shirt at an NSync concert! A mom pushed my 10 year old out of the way and tried to cut in front of her. I stood my ground and to this day it is one of the memories my daughter talks about and says “don’t mess with my mom!”

@Pam-56 2 месяца назад

I’m proud of you for standing up to the mosh pit bullies! I have a tip for sending the wrong food back. Just say “ this looks really good. I bet the person who ordered it will be upset they didn’t get it.”

@clb24 5 дней назад

Her attitude toward bankers is admirable.

@sherholubowich9627 2 месяца назад

We wash everything in cold and have had no issues. We also only dry towels and sheets in the dryer, everything else, yup, undies, socks etc are all hung to dry. Great video! 🌟🌟

@curiouscitizen4098 2 месяца назад

I am so HAPPY to hear you say it is ok to defend yourself against bullies. Great to hear that other moms joined you! We live in a world in which it has become necessary to be brave, and what a great lesson to teach your kids too! Because let's face it, bullies don't stop unless they are taught there are consequences for being mean!!

@henriettelinkshanderin1449 2 месяца назад

I just hope the biggest bully of all won't become US president again. He is getting away with everything and he will bully the whole planet again.

@TheRealJules 2 месяца назад

BOTH partners have to be on the same page with money. It doesn’t work otherwise. We’ve been saving consistently since our 20s. Now, in our 50s, hubs is semi retired (so he can be a RU-vidr! 😁) and it’s just me working but we have more than enough in savings and no debt that we are totally ok and I will still be able to retire at 60. And PLEASE do yourself a favor. You had a vid recently that talked about cleaning your dryer lint trap. I had always removed the visible lint after each load but I did not realize how much buildup was on the screen. It was taking FOREVER to dry a load of laundry! I saw your vid and said what the heck, I’m gonna run that bigger through the dishwasher. It totally worked - and I feel safer knowing it’s less of a risk now. Thanks!!

@tabithatierney6512 2 месяца назад

Wish I had a good partner to help and be on the same page as me 😢 I get so tired of being single and having to be by myself.

@amypola5903 2 месяца назад

Yeah I went and washed mine immediately.

@sunshine3914 2 месяца назад

Check the outside where it vents to the outdoors. I was just house sitting & the cage around it, that keeps creepy crawlers out, was compacted with 4” of hard dry lint. So now I need to clean out the entire hose. If it was mine, I’d replace it with a new one.

@lynnettemurphy8243 2 месяца назад

@@tabithatierney6512Being on your own means you get to decide which page you're on. Partners can complicate things.

@tabithatierney6512 2 месяца назад

@@lynnettemurphy8243 this is very true! I’ll have to remind myself of this!

@katherineblackburn813 2 месяца назад

I love these stories. "NO" is a loving word. You and Joe had goals and you held each other accountable! You are an awesome team. All the best to your family.

@ksnyder31 2 месяца назад

I’m only partially through the video, but yes! When we paid off all non-mortgage dept it was amazing freedom. Then we built our savings up (a lot) and the freedom compounded. Then we paid cash for a car for the first time (completely chances that experience) and even more freedom. Last year we were able to put an additional $30k towards our mortgage. All this while I’m fighting cancer for the 3rd time. I cannot imagine carrying that additional stress during an already stressful time. Thankfully we prioritized our finances before I got sick.

@micheleohmer4117 2 месяца назад

Lifting you up in prayer 🙏 The Great Physician is at work!

@jeanetteh.9240 2 месяца назад

May your cancer permanently go into remission.

@cobbt11 2 месяца назад

Thanks for the tips and for reminding me why I never want to attend events with large crowds of strangers. That’s an easy category for me to save money on! 🎉😂

@cathyunderwood7155 2 месяца назад

Yes!!

@teresah4972 2 месяца назад

High Five; you deserve it for doing what was right. Way to go Cass and other Mom’s standing up to the bullies!

@Clutterbug 2 месяца назад

Thanks!

@dianeo 2 месяца назад

Thanks for the reminder about putting 10% of your income into savings. I stopped doing that when extra money was needed for a huge repair. Need to start doing that again. Also, it took a hard lesson of huge credit card debt long ago to vow never to use credit cards again. High five for standing up to the concert bullies!

@theagta 2 месяца назад

If you have your pay automatically deposited I would recommend setting up a second account for a preset amount to be deducted at the same time. It's great because I only really look at my chequing account so it doesn't really hurt so bad. Then when I go to the other account it like a huge surprise how quickly it accumulates when you don't have to manually transfer funds.

@dianeo 2 месяца назад

@@theagta Ah, that's a good method. Thanks!

@jennrae67 2 месяца назад

Thank you. I think having to struggle for years creates a lifelong mindset about how I view my money. I see it as money to save. With a mindset of saving money even when I didn’t have it to save, I am a lot more stable now than I would have been if I’d budgeted my money to spend down vs saving up.

@christinewotherspoon6655 2 месяца назад

Brilliant advice given from real life experience- you just can’t beat that!

@patriciabellah9392 2 месяца назад

Good job Cas it's perfectly OK to stand up for yourself.

@alexa5927 Месяц назад

I paid off $13,000 over the course of six months. I stopped going to places where I was tempted to overspend (Target, Marshalls, Home Goods), limited myself to twice a month when it came to going out for dinner - including fast food - or drinks with friends, did my best to stick to a grocery list, and have bought very little in the way of clothing. I started on a path to minimizing my current inventory, which involved a strict ‘one in/one out’ policy. It completely changed my relationship with shopping from ‘do I want it’ or ‘do I need it’. The money I saved to assist in crawling out of debt was unbelievable.

@arianamansouri9275 2 месяца назад

Wow! I love hearing your talk about money. More please 😊

@fionaschiffl8065 2 месяца назад

I love to use what I have around the house. In the last few weeks I’ve made a bedside cart, a firewood shelter out of old wood and even parts of an old aviary and stuff from my craft room. I made a spray painting station out of a large cardboard box and a curtain rod. It’s fun to use stuff that you wouldn’t normally use to make new things.

@jennifershepherdjen5646 16 дней назад

❤ I've been making stuff out of cardboard . I started doing a lot of online shopping for essential things to keep me from impulse buying at the store , hated throwing away the boxes. So now I make useful drawer organizers, storage totes, picture frames, I just finished a cat condo😆 they love it.

@DebM122 2 месяца назад

Great tips you shared today. I have been doing no spend for 3 weeks and only purchased dairy goods as needed. It’s amazing how we don’t realize how much we actually have in food and need to use up. I only wash in laundry in cold water, I never used a dishwasher although we’ve had one for many years. I use it as my drying rack. I wear pajamas numerous times and jeans as well because I work from home. No need to waste the money foolishly. I am completely out of debt and use my credit card but pay it off at the end of the month. Today was the first day I actually purchased for me. I bought 6 summer tops for the Florida heat. I will continue the no spend challenge as my husband is loving it and we only buy necessities or when an item is needed. I wish more people would at least trying it and maybe because you gave great tips more will be trying it out. Definitely a game changer without sacrifice.

@ldwernychuk 27 дней назад

Somehow the fear of confrontation seems to get shoved out the window when the need to protect is stronger. I am proud of you.

@geobus3307 2 месяца назад

Proud of you for fighting the good fight! You demonstrated an important lesson for your daughter! "That's not nice! " is a great fight rant!!😂

@tgayer1 2 месяца назад

Being debt free and having a nest egg for retirement is awesome! 😁 Tracy

@Clutterbug 2 месяца назад

It really is!

@susankelly4424 2 месяца назад

Cass - you are my guru. I am discovering that I have ADHD so I’ve struggled for most of my 55 years. When you explain how to do something it helps me. Thank you. ❤❤❤

@intherockies 2 месяца назад

Good job Cas on saying something and doing the right thing for those who had waited longer!! 🎉🎉

@BackroadMoney 2 месяца назад

I'm so proud of you for standing up for everyone!!!! Good job 👏 👍 👌

@brendaspencer6691 2 месяца назад

I also attend RU-vid University!! I wish I could fix my car that way but I don't have the tools to do it. Good for you for standing up to the bullies at the concert!

@sunshine3914 2 месяца назад

Some of the auto parts places will lend you the tools. After two years of asking 3 different mechanics to change out my power steering fluid, I found different videos on my specific vehicle & after reading comments, I did it myself without much effort, & it made a world of difference. Saved me from having to replace the pump, which would have ran around $1,700. From the comments: if you place a piece of heavy cardboard between the ground & each front tire, you can turn the wheels freely, then you won’t need a jack.

@brendaspencer6691 2 месяца назад

@@sunshine3914 Thank you

@cherylstewart3839 2 месяца назад

Find a traveling car repair person.

@bethl8866 Месяц назад

I bought headlight bulb and fixed my headlight in the parking lot. I didn't need any tools. Ego booster too.

@Lennroe 4 дня назад

Ou can actually rent small repair shops in some places or rent tools from places that sell them. Some areas also have repair cafés or repair meet-ups , definitely worth to ask around.

@OneDayAtATime1277 2 месяца назад

Thanks for sharing the financial tips Cass! And also thank you for your story at the end, way to stand up for yourself and others, great lesson for all of us! Don't let the bullies win!! 💪❤❤

@peggywalker2103 2 месяца назад

Hi, I just found your channel. You have great tips on being frugal. I know what you mean about getting angry when it comes to seeing your bank statement each month and seeing how much interest you are paying. I think, this was my turning point to becoming frugal! Also love your story about sticking up against the bullies at the concert. You go girl!

@kimberlywilliams3717 2 месяца назад

You are such a blessing! I listen to your podcast all the time to keep me motivated in my decluttering. Life changer

@nrgltwrkr2225 2 месяца назад

This couldn't have come at a better time for me. Thank you so much!!

@sarahbarrett6704 2 месяца назад

You forgot to add get organized lol being organized saves tons of money!

@raqueljimenez8236 2 месяца назад

That's wonderful. It's scary to confront people but sometimes it has to be done. Yay you did it.!

@ninacox6865 2 месяца назад

Great for you for standing up for yourself and the younger people.

@leahrowe847 2 месяца назад

Way to GO Cass... I'm proud of you being the Pitt Police!!

@Clutterbug 2 месяца назад

Thanks!

@thesweetsoundsoflife 2 месяца назад

My favorite part of the video was the end! Way to stand up for what was right! We need more people in this world who will do that. 😊

@therealmissglamBAM 2 месяца назад

It's ALWAYS okay to stand up for yourself. Proud of you!

@MeTimePlants 2 месяца назад

I love that you stood up for yourself. ❤

@jacquieb112 2 месяца назад

Good for you Cas! I also fall in the non-confrontational group but there are limits. Thank you! 😊

@christinastewart2688 2 месяца назад

Good for you!!!! People should be better

@jeannelohr3901 2 месяца назад

I love everything you said Cass! My husband and I are living in financial freedom and loving it. When someone has a need, we can help!

@lior2538 13 дней назад

Not spending money for a week !?That is a great advice ! I can do that 😊😊😊

@MendeMaria-ej8bf 2 месяца назад

You are so inspiring. Thank you very much for sharing your experience and insights.

@barbaraspaulding1228 2 месяца назад

So proud of you! Standing up for yourself and others is what the world needs. 🎉❤🎉

@Clutterbug 2 месяца назад

@lizzabbott 2 месяца назад

Oooooh, CAS ! Yay ! You ROCK ! Thx for gettin outta yer comfort zone & standing up for those kids ! Love, Liz

@k-b20989 2 месяца назад

Cas!! You’re the best!!! Thank you for sharing your journey!! Such valuable insight! Appreciate you!

@a1waystreet597 2 месяца назад

WOW you are a fabulous roll model for your children and every single sub. Thank you for sharing✌️💜✌️

@templeworkn 2 месяца назад

I loved this! Many of the things I already do, but what caught my attention was making the kids' snacks!!! With 3 kids all they want are snacks. Right now, I buy the snacks and ration them out. So once the general stash is out, it's out, until I restock it. This has helped a lot too!

@carinajakovleski 2 месяца назад

Cass I love your videos, glad you stood up for yourself. Always look forward to the stories at the end.

@kathysheeran6589 2 месяца назад

Good for you. Standing up for self and others. ❤❤

@nancyneyedly4587 2 месяца назад

Love your end story! Good for you for standing up for what is right, bullies need to be stopped!!❤🎉

@Clutterbug 2 месяца назад

For sure!

@jeeika247 2 месяца назад

High fiving you all the way from San Diego!! 🙏👏🏽🙌🏽🤜🏽🤛🏽 good job Mamabear!

@trishahutchinson3485 2 месяца назад

So proud of you for standing up for what is right!!

@nancyknott3389 2 месяца назад

Omg, I love how you stood up for yourself and others, just amazing! Sometimes we need to do the hard uncomfortable thing, because it’s the right thing.

@Miss_Dale_Westwood 2 месяца назад

Thanks for reminding me to wash my towels. I change out our towels every Tuesday and Friday. Seems to work really well for us.

@Clutterbug 2 месяца назад

Awesome!

@Walkyria2030Vlog 2 месяца назад

🎉Happy Tuesday 🎉 Thank you very much for the advice. Best regards from Costa Rica 🇨🇷

@777moon4 2 месяца назад

I love how transparent you are with this

@vpeacock 2 месяца назад

Well done on standing up to bullies! You also set an example to others about doing what is right, what manners are, and the power of starting with just one person. Go you! 🌟

@jcatherinegatzke5732 2 месяца назад

I LOOOVE Cass, the Enforcer ❤️ you may not have become a firefighter, but you are a protector 👊✊

@breathelori 2 месяца назад

Way to stand up for yourself, your daughter and all the other kids! Be proud!!!😉

@Clutterbug 2 месяца назад

Thank you so much!!

@mistymcclanahan1138 2 месяца назад

Yes girl love these tips and I totally do so many of these. 🤗 Glad yall stood up to those horribly rude people! I can't stand people acting like that. ✋🏻

@j.christian6801 2 месяца назад

This was the best!! Really needed this!! Thanks for sharing your life story.

@Daphne-ys4ue Месяц назад

Trust this advice everyone! 15 years ago I was broke, in debt and still spending beyond my means. A viscous and never ending cycle. One day I said to myself, “Enough!” Started with saving $50 a month by treating that $50 as an expense. I started eating from the freezer and pantry (except for fresh produce and cream for my coffee). Speaking of coffee, I started making my own at home. Organized and used up any and all gift cards for essentials or a treat every so often. Switched car insurance and chopped $400 off my annual policy. Called my cell phone company and they cut my bill in half!!! Cancelled any and all subscriptions. Moved from my expensive apartment in the city to a very nice, large and bright studio in a suburb. I am now debt free and saving so much more than that original $50 a month. Do what she says - switch your mindset. It doesn’t happen overnight and takes a lot of planning and sacrifice, but you’ll get there and be so happy you did.

@user-yn8nk8to2w 2 месяца назад

I just discovered today that you are *supposed* to wash normal (cotton) terry cloth towels on cold (or at most warm). Makes sense, since heat shrinks the cotton of a towel just as much as that of a pair of blue jeans, but I'd always thought I was supposed to wash them on hot. So, you can save on washing *and* on buying new towels by washing them on cold!

@jeanetteh.9240 2 месяца назад

If you have an oily-skinned person in your household, cold water will not cut the body oils on towels. The oils will turn rancid and your towels will eventually smell stale. Quality cotton towels are made with preshrunk fabric, and will not shrink in hot water.

@tquirkyt7118 2 месяца назад

❤️ thank you for this much needed video. I saw a story in the news about a teacher, teaching kindergarten kids about money, and it was bringing tears to my eyes. People either fear money, don’t understand money, or don’t have money. I’m so glad people like you are getting this information out for others.❤️✨

@donnagatsoulis5125 2 месяца назад

So happy that you stood up for yourself & all of those who had waited forever! This was a great vlog! I had no discipline regarding $$$, in my younger days,but thank God i came to my senses later in life & am now enjoying retirement!

@syreetachever289 2 месяца назад

😂 the end. This is why I pay for a seat, cuz hunny no. I ❤ you man. These tips are solid and I needed them.

@abbieball4947 2 месяца назад

This is basically the Dave Ramsey playbook , if anyone needs more help with this! *Edited to add: watching Dave Ramsey on RU-vid is absolutely free . They have a whole RU-vid network of amazing people talking about a debt free lifestyle and a radio show on RU-vid every week day for 3 hours of live calls and answers to everyone’s questions.

@charlottebailey4828 2 месяца назад

The first 10% for Christians is a tithe to the local church congregation and Dave says then 15% to your retirement. It’s worked for us for years.

@MaryWolf-7066 2 месяца назад

Agreed, but Dave Ramsey isn't free. When you are broke, you can't afford to pay money to hear common sense.

@abbieball4947 2 месяца назад

@@MaryWolf-7066 Dave Ramsey is absolutely free. You can watch their daily show Monday- Friday for 3 hours a day of live calls and advice. They also have “smart money happy hour” , “the Rachel Cruze show” and more for free on RU-vid that are all Dave Ramsey personalities talking about how to live a debt free life.

@cajbaf 2 месяца назад

@@MaryWolf-7066 There are a multitude of videos with Dave Ramsey that are FREE.

@MaryWolf-7066 2 месяца назад

@@cajbaf Yes, I agree, and occasionally watch one of his. There was no intent on my part to slam Ramsey. Cass has taken the basic principals and put them on one simple, easy to watch video. It's a magnificent place for someone who is struggling to start and be motivated to do so in a very short time.

@elliejackson7353 2 месяца назад

It's so helpful to hear where people have come from. We haven't started with much, but we're inspired to do our best so we won't always be on this struggle bus.

@lissakong4104 2 месяца назад

I am proud so proud of your for standing up for yourself. I’m like you, so I know know how hard that is.

@laura9855 2 месяца назад

Hi cass !! Your storietimesarethe best ever 😊 . Thank you for the money advice . I love the shop on Sunday &gas up the car the best . Yes it’s gonna suck but we can do it ❤🙏🏼👍🏼

@Clutterbug 2 месяца назад

It sucks, but it's easier than I thought. My "all or nothing" brain can do these types of challenges better than trying to have self-discipline 24/7. I am NOT good with self-discipline.

@Creativedasi 2 месяца назад

Hahaha well done for being the pit police. You did the right thing which isn’t easy or fun ❤

@deannahunt8522 2 месяца назад

You rock Cas!! Good for you!!

@ksk881 2 месяца назад

Forget the money! I'm so proud of you for sticking up for yourself, your girls, and other people who were perhaps too afraid to do so. You're my hero of the day (or month!!)

@barbaracarbone4658 2 месяца назад

Haaaa. I know what u mean. Good 4u. Sometimes we just gotta speak up. People like that truly need to be put in their place. Nothing was stopping u. Lol. Hope u enjoyed the concert. 🎉

@jnelwise 2 месяца назад

The credit card companies are so predatory. If you can’t maintain paying off a card as soon as you spend something it’s better to just cut them up and never use cards again. I had to do that because I realized that those “cash back/ rewards/ miles” I was funding that for everyone else.

@Clutterbug 2 месяца назад

YES! They know what they are doing and it's gross. I went to a college tour with Izzy and saw MULTIPLE credit card booths offer students credit cards and "free merch". What?!

@Angebaby1237 2 месяца назад

I know it’s horrible!!

@rg-mi5hh 2 месяца назад

They really target teens going into college with credit cards. Tell them before they get trapped into that thinking.

@Pre0115 Месяц назад

Stand up for yourself EVERY TIME! 👏🏾👏🏾👏🏾👏🏾👏🏾

@MissJean63 2 месяца назад

Cas, you are a great example. We need to stand up to bullies. Our silence condones their behavior. Enough is enough and we need to speak up! Bravo 👏

@terryruiz7417 2 месяца назад

This is a great video. You are blessed to have a spouse who is of the same mindset.

@Clutterbug 2 месяца назад

For sure!

@BumbleDee805 2 месяца назад

RU-vid University, baby! I've fixed a dishwasher, leaking faucet, and put a new 3 pronged electrical plug on my vacuum. I had 10 grand saved when I graduated college at 22 and 40 grand by the time I was 25 working as a nurse (this was 25yrs ago 😅), and most of that $ has been working for me since. I drive the same suv I bought slightly used when I was pregnant 18yrs ago. My family says I'm cheap. I say I'm frugal. I just put a new roof on my house - cash. I don't like paying interest either! I'm a single mom/single income. Buying used anything is slso good for our environment. I see now that Netflix offers a lower fee with ads. That might be great compromise for some people.

@jeanjones1211 8 дней назад

⁹

@amypola5903 2 месяца назад

Thank you. I needed to hear on these topics from someone like you. Especially the first bit you said was rambling. It was amazeballs. Thank you.

@valentinabeloussov9879 2 месяца назад

Love you Cas. You should be an actress! So much charisma!🩷 God bless you and your loved ones!

@Angebaby1237 2 месяца назад

❤yes. Agree 100%!!! It does take self discipline!!!! HUGE motivation is paying yourself interest NOT paying interest to the man! (Who btw is sitting back on his yacht or one of his multiple homes sipping wine😂) I love love this video. Great tips!Thank you!!!!! ❤❤ So you should stand up for yourself! In the process you gained integrity!!! ❤Hurray for the pit police!! 😂 you go girl!!! How is your studying for FF exam?

@Clutterbug 2 месяца назад

OMG...I had my final physical test on Saturday. It was BAD...probably my most embarrassing moment of all time, and well, you know I've had some embarrassing moments in the past! I'm going to share it on next week's end story. In the meantime, I'm just over here dying inside.

@Angebaby1237 2 месяца назад

Stop it!! You such an inspiration!! You’ve grown from the experience in some way shape or form!! ❤ you did amazing going through this process!! ❤ I can’t wait to hear all about it!!