20 Frugal Techniques That Helped Us {Become And...} Stay Debt Free

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In this video, I'm sharing with you the ways we were able to stay debt-free for the last 8 years while still being able to spend on what we value. This doesn't mean that the budget and frugal living have been thrown out the window - on the contrary. To stay debt-free, we still follow our guidelines.
And today, I share all my secrets.
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I’m so very happy to have you here. We are all about saving money at Frozen Pennies. Whether you have a goal like debt freedom, purchasing a home, retiring, or just making ends meet, we are all about making that happen. Here you’ll find tips on saving money on groceries, ways to tweak your budget, and living an overall frugal life (all while having more fun)! Thank you for supporting my channel.
About Sara:
Sara is a wife, mother, and creator of Frozen Pennies. With a degree in English, a former teacher, and a Certified Financial Coach, there is no better place to learn about debt freedom, budgeting, and overall frugal living.
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DISCLAIMERS:
- Links included in this description might be affiliate links. I may receive a small commission if you purchase a product or service with the links I provide at no additional charge to you.
- Information on this channel (Sara Conklin, Frozen Pennies) only represents my thoughts and opinions. I am not a medical doctor, medical professional, or financial advisor. However, I am a certified financial coach. All content on this channel is intended for entertainment, informational & inspirational purposes only. Don't hesitate to contact a professional with any questions. This video and all videos on this channel are a means of social support.

Опубликовано:

16 сен 2024

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Комментарии : 54

@SimplyKatieWalks 5 месяцев назад

I'm 56 and retired. That may seem early, but my husband starting going blind two years ago. I'm so thankful I can have this time with him to travel and just slow down life. Thank you for reminding others that anything can happen.

@Thesignarizzler123 5 месяцев назад

Sorry to hear this. I’m sure you can make some memories to treasure. 🙏

@SimplyKatieWalks 5 месяцев назад

@@Thesignarizzler123 that is the plan! I'm so thankful he can still see on good days. I'm so glad we set ourselves up financially so that we have this time together

@danibryant9318 2 месяца назад

@@SimplyKatieWalks Sorry to hear about your husbands eyesight, check out Whole food plant based diet for curing blindness, it works also ck out what Dr Goldhammer is doing to help with this

@msgriffin41 4 месяца назад

Second hand furniture and decorations is the way to go. My entire house is second hand decorated and we love it!

@cathyphillips679 5 месяцев назад

I am not debt free yet, but am on the way. My son and his girlfriend are renovating their home, as they can afford it, of course! I visited them last weekend, and in the past I think they always felt that they had to "entertain " me which was expensive and totally not necessary! This time, I borrowed a movie from the library, and we had a movie night at home. I also took my scrabble game, and we had a really fun time, without any of us spending a dime.

@Shopgirl1 5 месяцев назад

I will never be debt free..with taxes, insurance, utilities, doctor visits, meds…even though no home, mortgage or credit cards there’s still debt!

@danibryant9318 2 месяца назад

This is excellent, sounds like a fun night, when my daughter comes home we play games at night, I just love it

@danibryant9318 2 месяца назад

@@Shopgirl1 you oughta change your thinking, start studying how to become debt free with you tube podcasts, you can do it, Dave Ramsey is a good start

@user-gm1kl6xy4m 5 месяцев назад

I couldn't agree more how beautiful old second furniture is

@flohough1870 4 месяца назад

Meal planning is such a game changer on multiple levels. Less money spent and less stuff in the trash! Self control is also a biggie, particularly in our instant self gratification society. We knew our kitchen was going to need remodeling at some point. So I just started saving for it. Last summer we finally did it and not only is it wonderful to have it done, the sense of satisfaction in knowing it's totally paid for is HUGE!

@jacquelinebottenbley8021 5 месяцев назад

I put needs in a cart and wants in a wish list. Then i buy one or two things per paycheck.

@flohough1870 4 месяца назад

I find that a lot of the time, the things I put in the wish list end up deleted once the urge passes too!

@danibryant9318 2 месяца назад

thats smart, I buy the extra "wanted" things at the first of every month, I can see the whole month ahead of birthdays, places I want to go where I will want to buy stuff, just planning ahead a little helps too

@saversavvy2670 5 месяцев назад

We rarely go out to eat for a date but if people want to go every week just use the fast food apps and eat cheap. You can have just as much fun getting a 5 dollar meal and free frosty (with the key card you buy for 2 dollars once a year) as you can a fancy place. Think outside the box. Of course not going ou saves the most. All our dates when the kids were little were with a dollar rental dvd, popcorn, and a once a week can of coke!🌞 To be honest it is still is my favorite 🌞

@anneard1674 5 месяцев назад

as for putting stuff in the cart on line and waiting till end of month... one might not even remember what was on there if you don't go check it regularly! married 55 yrs hubby and I used to walk the mall but leave my purse in the trunk of the car (I had the credit card) so if we wanted to buy something we had to go out to the car at the end of our meandering to get my purse and go back in, NOT ONCE did we go out for the purse!!!!!

@user-gm1kl6xy4m 5 месяцев назад

Eating out is like every three months never dessert only coffee or tea muffin or occassionaly a taco meat yess grow our greens that's clever

@danibryant9318 2 месяца назад

Thats great, so much will power, I use to own a Boutique, my daughter and I would work all day then head to the mall till it closed, my boyfriend never under stood it, the packages would come out when he left to work the next day, we both still love to shop but now we look at the sale rack first

@marciethorn3624 5 месяцев назад

One more thing in common....my husband is 12 and a half years older than me too!!!! I swear you are my twin somehow!!!! Love your videos!! It is like a good visit with a great friend!!!

@janetstraw191 5 месяцев назад

Just a suggestion: In late winter, call your local nursery and ask to order Lavender in pots. Place your order and when the nursery places their seasonal plants orders - they will include your order. Also - I, nor anyone I know - has ever had success with growing Lavender from seed! Order ahead! My best variety is always ‘Hidcote Blue’.

@AmorYMigas 5 месяцев назад

Your videos give me encouragement I really need. My husband and I are doing ok but I have so much anxiety about it. I need to talk to myself like this and listen to your videos daily. It helps.

@kenyonbissett3512 5 месяцев назад

A support system helps.

@dizzysdoings 5 месяцев назад

If I was just a bit younger when my husband died, I would have been in trouble. If I was a bit older, I would have been able to get more money each month. When he died, he was on disability and was receiving his pension. I was old enough to get 2/3 of the amount he received from SSD. I also get the same amount from his pension. I was a sahw, and if I didn't have this income, I would have had trouble finding a job that would have paid me enough to afford everything.

@WickedAwesomeGardening 4 месяца назад

A little tip, Lavender seeds are notoriously difficult to start and get growing. Sprinkle a few seeds on a damp paper towel put the paper towel in a plastic bag, push all the air out, and put it in your freezer for about a month. Then sprinkle them on top of your seed starting mix but don't cover them. They need light to germinate! Good luck!

@saraconklinfrozenpennies 4 месяца назад

I’m not seeing anything yet coming up. I may have to try again with your tips!

@bessieoriotis5104 5 месяцев назад

If in the US it helps to buy a smaller condominium for two people and all your kids have flown away that might help. I live in one and I tell you it's a lot easier to maintain, clean and pay for it. As you get older you want less things to clean less and easy to clean. You want delicious food that takes less energy and time. This is esp helpful if you have a knee problem, etc. The other thing we need less heavy furniture because with aging comes the onset of not being able to lift heavy things. If you are like me, you will avoid as much furniture as necessary because I'M sick of falls because our younger kids are not always proactive and I have fallen many times because of loose wires or too many things that need to be cleared and I end up falling and sometimes feeling the pain for a week or two having been lucky I didn't need hospital care. Simplicity is a Godsend and it's economical. 😊😊

@silmuffin86 5 месяцев назад

Just one quick consideration though... loans for big purchases like a house or an extension on the house, are not always bad. If your payment today is X amount, with inflation over time it won't be half as bad as it looks now

@danibryant9318 2 месяца назад

agree

@annacentola 5 месяцев назад

Sara, I live in Rochester and the Wegmans here have lavendar plants outside for sale.

@wandahall4435 5 месяцев назад

Great job Sarah ❤❤❤😮😮😮😊😊😊

@abigailboyd2534 5 месяцев назад

Really love and appreciate you!!!

@user-gm1kl6xy4m 5 месяцев назад

We go out for lunch or coffee and cake for birthday celebrations

@KimberlyAnn1971 5 месяцев назад

Great tips!! Thank you!!

@shelbygreen3404 4 месяца назад

Interesting 😮😊

@LauraWeldon-yv6qr 5 месяцев назад

Great pep talk!!!! Thank you!!

@sandraboose3686 5 месяцев назад

Thank you!

@jacquelinebottenbley8021 5 месяцев назад

Lavendar blooms between june and july.

@kenyonbissett3512 5 месяцев назад

Shaving from a bar of Irish spring original scent placed around the area of entertainment works as a repellent. On a personal level, take a vitamin B complex 20 mins before you go outside to work/entertain, this makes you unpleasant to flying biters.

@saraconklinfrozenpennies 5 месяцев назад

No kidding?!? I absolutely trying the Vit B!

@kenyonbissett3512 5 месяцев назад

@@saraconklinfrozenpennies lived in a waterfront community with marshes, mosquito heaven. My sister and I kayaked every week that summer and fall. Used vitamin b complex and though mosquitoes normally skip everyone to feast on me, I didn’t get bit once, same for my sister. Worked for my SIL. But my dental assistant called it a fail, 😞. But many other YT commenters have said it worked for them.

@MadisonBriggsArtchick 5 месяцев назад

Life insurance!

@terrypelletti8535 3 месяца назад

Very good content. Thank you ❤

@retirementbudgettravel699 5 месяцев назад

Great video!! Always learn something new!! 😁👍🏼

@samanthadudley6412 4 месяца назад

We are buying a fixer upper home and we are doing repairs and renovations as we have the money to do it. We are having to do a little bit here and there but I know eventually it will be finished.

@suzettecooper382 3 месяца назад

I let my lavender plants seed occasionally. Let nature control this and you will be able to increase your plants.

@Devie-tx8ri 5 месяцев назад

House extension loan. Have you calculated the approximate total to see how much interest you would end up paying. You may even be able to work out a store credit card with zero interest and use the plan to start early or as additional credit building. (It maybe something outrageous and not even worth the loan, but maybe not if finagle right.) 😁

@kenyonbissett3512 5 месяцев назад

✅ Great video.

@user-gm1kl6xy4m 5 месяцев назад

I have several income streams age 56

@danibryant9318 2 месяца назад

Would love for you to share them, I am 64 and just looking for a little side hustle

@user-gm1kl6xy4m 5 месяцев назад

I am 56 in thirty years inwill definitely be in Heaven

@veryfeminefemale1 5 месяцев назад

Did you become a financial coach through Dave Ramsey course? If so did you like it? Did you buy into the extra money to spend after you graduated from the basic class? If not Dave Ramsey, who would you recommend to go through their financial certification course?? Thank you , 😊

@danibryant9318 2 месяца назад

Hi this was not meant for me but I see you received no reply, I will try to answer your question, I taught D Ramsey's course for one session, you need to contact his office to become their recommended financial coach where you get on their list for referrals, and take their classes, never took the basic class for coaching, just the FPU, Highly recommend his business, look at his reviews, some people hate him and some love him, decide for yourself