4 Frugal Living Habits to Embrace in 2024 to Help You Save Money 

Can't wait to see all for the new video this weekend! FRUGAL FRIDAY IS ALMOST HERE!

The one point I really live by is knowing when you have enough. I laugh as I walk through a store, see all the great stuff, and then, walk out empty-handed.

This is the most consistent I have been in a long time….I actually have savings ! I have been sticking to my budget and have been no spend for two months and I am gonna continue to low spend. Being more intentional with where my coins go. I have been able to pay off two cards, 2 other accounts by doing the debt snowball. That’s an awesome feeling!!! This month I am staying focused on the budget and tweaking the grocery portion.

Kate, do pay off mortgage ASAP! My husband and I paid off the mortgages on both houses we ever owned, and within 3 months, one if us lost our job. Husband was Enron and it took 3 years to find another job in his field. We were able to avoid losing the house as well as gutting our retirement accounts, because our bills consisted of insurance, property tax, monthly electric, gas and city services were able to be paid out of my 30 hour/ week part-time job. (Our pantry was always over stocked - I grew up food insecure). Paying off the house was the best decision we ever made.

It would have to be consistency. When I first got my current t mortgage, I couldn’t add much extra to it, but I knew I had to find a way. I started with 25 dollars, then 50, then 100 per month. I’m now in a position to add 400 a month. I did a refinance at 2.25 percent. You can’t imagine how much this thing has gone down. I now owe in my house what many people owe on their Car!!! Whatever you can put extra, do it!!! Even 5 dollars a month! It’s like a savings account. If you sell the house, you’ll get way more back. If you intend to keep the house, you’ll have far fewer payments in your future, especially as you get older, which is a real concern for most people.❤❤

Hey k squad. I think consistency is my thing. Saving first every time I get paid . I know have a emergency fund, a buffer and some savings. I never thought I could do it. Doing another no spend for march. I’ve got my back. I’ve got options now. It is possible.

I have resisted ordering delivery pizza starting January 1st. Instead purchase a frozen pizza...added some chopped olives and extra chese. In addution... I saved not tipping the driver. Feel really good about it.

Number four: "Do a happiness audit" was the one that had an impact on me. I love spending time with people who allow me to be me. I feel free around them because they do not judge or put me down. Thanks for sharing!

I was paycheck to paycheck till the no spend January. I picked up aside hustle and put some money aside for the first time in years! Good thing too! I was able to fill my propane tank ($700), and was able to buy a new (refurbished) phone when mine died, yes to Mint mobile too. And….my car died, $509 fuel pump but now back on the road! Thank you for your example and encouragement! BTW, my happiness index is 10/10!

I think for me deciding what is enough. I struggle with being too tight fisted and worried about money even though I am in a comfortable place now. For me, I have to decide what is enough Savings so I can enjoy my life now.

"Enough" resonated the most for me. I can be a spender but I'm working on delayed gratification in order to reach financial goals.

I just finished paying off a huge loan and credit card. Now this is where I have to get with a plan so I don't have to get in debt again. It would be so easy to just go and not pay attention and just spend. And listening to your advice is really going to help. I do have money set aside for the unexpected, but I think that it needs to be more. Thank you for sharing.

It's probably consistency for me. For a long time I was flying by the seat of my pants with budget--and getting nowhere. A year ago I made a budget and got real with it. Now I'm rarely blind-sided financially and I'm saving a little while paying off debt. Feels good.

Awesome video. In 2012 I went from working fulltime to being on permanent disability. I am so Blessed in that my mama taught me many years ago to pay my bills first, then live off the rest. For 2024, I am being even more mindful of my spending and making sure I need the things that I buy.

Consistency!! I have found as I age, that consistency and perseverance really do pay off! Taking the first step is the hardest but once you get moving, literally and figuratively, you start picking up speed and then become a runaway train! lol! Thanks Kate!! Have a great weekend KSQUAD!!!

Love you Kate.. whenever I can I just put on your playlists and listen to your videos.. i don't know how many times i have listened to them in these years.. you are my mentor and my inspiration.. in the world of RU-vid for me you are the honest nicest and bestest youtuber.. Thank you so much for sharing your knowledge.. I have only one membership in RU-vid that is yours.. Thank you and God bless you and Kaden.. Love you loads.

I think consistency is very important to me

Consistently Pays is my big one! Keeping the daily frugal is huge. We’ve used the every dollar app starting this year and it’s eye opening! 2024 is gonna be our debt free year (minus the mortgage)

I'm excited to say I did the no spend January that turned into a no spend February. Watching you helped me set new goals and stay on track. I was doing a lot of spending because it was easy to click a button or shop on amazon. I still put things in my cart and then I wait a week and decided I did not need it. Here is 2 months down and my spending habits have changed so much. Thanks for all of your content and helpful videos. I am so glad I found you and your channel. A big thanks to you and helping me become aware. I appreciate you so much! ❤

I knew I needed to do the insurance audit and yessssss it saves money ❤🎉I saved 600 per year😂not bad!!!!

Consistency! Since January I am actually saving some money! I put it straight into an account as soon as I get paid and it makes me feel so happy. I’m doing a budget as part of my 12 week plan and I’m getting better at tracking money now. Thank you!

I did do the No Spend all of January, up to February 28th!! 😅

Consistency! If I could just keep all the balls in the air at the same time. I get discouraged and need Kate to motivate me again. Thanks Kate!

I love the way you speak right to our hearts, Kate. You are a wonderful coach and motivator. I really like the idea of a "Happiness Audit". Two ways my happiness has soared this week are my line dancing class and my outdoor walking club (both free). One friend called me a Comfort Connoisseur because I find so many ways to spark joy. One is just to meet a friend on a coffee shop patio for a nice heart to heart conversation. Others include little rituals or newly mastered habits. Conversations make my heart do a happy puppy dance.

I think the type of being consistency and a happy audit really helps me out to make sure that what iam doing is well worth it. I think as long as I keep my focus on what is important to me as the Bible says in Philippains 1:10 and place my Trust in Jehovah hands and know for sure that my plans will succeed as Proverbs 16:3 says. I'm doing just fine....and I'm doing a happy 💃 dance....But thanks for all the encouragement that u give out Kate. It does keep us focused on what is important for us all esp me.😊😊😊

I've been coming to terms with "enough" and being content with my belongings for the past few years and it's done wonders for my savings! Have a great weekend Kate & the Ksquad!

Good Morning, I have been doing to 12 week challenge. It has been going well. I plan on starting it up again for the next 12 weeks. I have just about reached my goals. of dropping some weight, and saving some money. I do like consistency and routine. They go hand and hand. You know what to expect. Often times I never know when to say when, is enough. I Hardly ever say NO. I do try to find the happiness every day. Some days can be hard, but I always find a small glimmer of hope in something every day which brings happiness. Love watching your videos. I have been for for a long time now. since your apartment days. Thank you for all you do.

Love that you're at 50k! You keep me so motivated. I can absolutely relate to you and your life and that helps me see I can have and reach valuable financial goals.

Yes! Consistency works! I’ve been taking 10% off the top of my husband’s take home pay every week since August. I put it in a special “DO NOT TOUCH” savings account. It’s growing slowly but surely!!! This is different from our regular savings account.

I'm still dealing with frozen bank account (long story), but being frugal has helped me keep (& use) my stashed cash reserve.

I feel you were speaking directly to me more so than usual this month. I am definitley resonating with the happiness audit. Some really yukky spending went on in Feb for me. New month, new budget. Back to consistency. Hugs to you and Kaden. Thanks for another great video Kate.

Hi Kate, I like the sprint part. Plan to do a sprint in March as I love the spring. Have more energy.

Consistency. I love the idea of a happiness audit. Thanks Kate! xo

Yes very important to be consistent!

Yes, please! Taking all this helpful information to heart this year! ❤❤❤

Never thought of a happiness audit!! I believe that will help me so much! Thank you!

Knowing your numbers is so important...I work as much per session as possible at my school throughout the year so that I don't have to work summer school. I❤ having my summers off😊

Absolutely consistently habbits we create budgetting mindful spending adding to saving

I love this!! Yes, consistency is key!! I do want to share a win - Chris came home tired and I asked if he wanted to order. We were on the verge of ordering and I asked him if he really wanted to order or if he wanted to have the leftovers in the fridge (and make fries as additional) and he goes 'well, we probably should, so why don't we do that so we aren't left regretting it later'. Usually he is the voice of saving a bit, so when he said yes and then I questioned again and he changed his mind, I felt very good. It felt like I could change my own habits 🙂

CONSISTENCY / or consistent “ish” like Meal Plan ish - I want to aim for that ❤

I've been doing a food inventory, meal plan and grocery list for a very long time! But now I'm keeping food inventory on my tablet!

It has become easier to budget since I retired and now live alone. I don't need to go out as much and therefore am not tempted to shop "for recreation"! I'm pretty much low spend every month and don't have to feel that it's inconvenient to anyone else. For instance, I knew I'd needed to get new tires and an oil change for my car. But I waited two months to do so until I had the cash in hand! (I avoid using my charge card if at all possible. ) In the meantime, I drove very little and kept pumping up the slow leak one tire had. I didn't let panic take over! It is very satisfying at month's end to have cash left in my checking and a bit stashed away for savings. Not everything's an emergency that requires going into debt to remedy!!!

All of these tips gave me a lot to think about - definitely consistency and happiness audit . I’m choosing to focus on these on my financial sprint this month ❤️ thanks Kate !

I think consistency resonated the most, although I enjoyed the January sprint so much that I'm doing another no-spend for March. And I got a lot of joy from spending on a few clothes that I needed because of consistency in dieting. It's all related!

leaning into financial sprints. Loving the 12 wk year 2 of my goals I have met 100% and even done better than expected. Goal 3 I would say 75%

Yay! Your video is one of my Friday treats! I haven't been in the group on Sundays, the timing doesn't work for me, but I have managed to achieve my Q1 savings target in 2 months!! Consistent budgeting and challenging myself to save more is working well for me.

Definitely consistency.. we are also making extra payments to get the mortgage paid

Zzz I’m watching while exhausted from work 😂. Great again Kate ❤. My next 12 week budget blank and ready for my next “new year”

Happiness audit!!! I love it! Even that though ' happiness audit ' makes me happy!!! 💕🇨🇦

You are always so motivating! Thanks Kate! I' m gambler yeah

Good Morning Happy Frugal Friday I'm definitely doing a No Spend month for March. I was not good in February. I'm going to say leaning into sprints.

To me what resonates the most is the happiness audit. amazingly as you were talking about this, my brain went to some areas that I have been ignoring that I need to use my time and energy on to increase my happiness. These things are not so much about money, but about the more focus use of my time to improve my life, as always, Kate I am glad to be walking this path with you and the K-squad.

OMG Kate! Thank you 🙏 ❤️💕💯%

I LOVE the idea of 'financial sprints'! Never thought of it that way, but what a GREAT way to break goals down into smaller, quickly achievable, portions and then KNOW that 'if I can do this for x amount of time, I can check off that goal'! I'm going to go over my budget/goals this weekend, and come up with a 'sprint' game plan! Thanks for the idea :)

Doing a happiness audit. When writing a journal & lamenting, there itself can see why I am upset. So will not to do it again. Thank you Kate, for being funny on a not funny topic. A Truly serious topic for all of us to empower to be happy! Hugs

For me consistency is key. I need to always keep my goals in the for ground and keep teaching towards them. 😊

So far this year, with doing a no/lo spend I have managed to save £1,760 (Uk pounds) I am so happy. I’m currently going through a medical nightmare, which means I’m not able to do as much overtime as I would normally do, but with your tips and guidance I was able to save. Continue being your beautiful self. Thank you Lesley England x

Consistency is key to making financial progress. I didn't consistently save or invest in my twenties and thus I didn't see much progress. In my thirties I have been consistently saving and investing and I've reaped the rewards of seeing my accounts grow. Consistently practicing frugal habits really pays off over time.

Sup Kate. You helped me finish my 1-100 envelope challenge fully completed yesterday! Your vids are golden and life changing. Im going for the gusto this year and stacking my finances to the ceiling 👍

Awesome

Consistency over the long haul! 👍

Thanks Kate, Consistency

Consistency is the bomb😊

💯 Kate!

Hi Kate, it’s consistently. Love your videos ❤️

I have never heard of a financial sprint. Interesting

Sprints ❤ I try to take the whole mile instead of sprinting....i am working on this.

Audit & Consistancy!

Thanks!

Consistency😊 I can do so much, but typically lose consistency I got this

Budgetting tracking your spending

Kate, I just love listening to you, and am always so impressed with your down-to-earth attitudes and advice.👍 I often wonder how on earth did you get so smart at such a young age?! I could be your granny - and you absolutely amaze me! But besides that, I just want you to know that you have such natural beauty, and the most lovely, perfect hands. 🙋‍♀️😘‼️

Loved the video, All four are great tools but the question what is enough? resonates the most.

Consistency for sure.

Good morning, definitely consistently, knowing we're all my money is going. I want to be debit free.

What can I say? I love this channel? What resonates the most? ALL OF IT Just sayin....picking on crumbs and making a meal....🙏 ty...✨️

Happy frugal Friday, Kate! :-) I like the part where you said to save up in spurts! Because recently, I was able to save up to buy my new iPhone in cash, rather than financing it, and creating another bill! But I had to save up in spurts for that, because my last phone was starting to give out! There’s another thing about saving up in spurts, the money that I Use for the iPhone! I was able to save up the same amount in my savings account, so it was like I never touched it! BOOM!

Persistency helps with consistency!!!

I did a stuff audit at the end of 2022. Needless to say, 2023 was a no spend year. I have enough stuff to last a lifetime. 2024 is a low spend year, as I continue to use what I have.

Wonderful positive video. I am all over the "happiness audit", though I call it a "review" - but that is just vocabulary comfort, it just feels like a more positive word, but it's all the same thing. In fact I build in a seasonal happiness fund or seasonal fun budget. I have a sinking fund into which I add my leftover weekly budget money with the goal of 100 each season to spend on doing something that makes me happy and not experiencing any guilt about it at all. I might spend less than that (like I went apple picking in the autumn) and roll it over to the next season, I might save a bit more to do something extra special another season (like this month I went to see a play on Broadway). But no matter how much, if I can pay for it in cash out of that budget left over, I feel no guilt, no matter what others think. I'm not saying I have no spending that doesn't annoy me - some unavoidable, other I am working on - and that is why I do a monthly review.

Consistency!

Happiness contentment knowing I took control of what was not making me feel good...lottery tickets, gel nail treatments all too frequent for nails to be glamorous instead of a good old fashion manicure and pedicure, cut the cable for TV shows that I never watch, too much diet coke which only left me feeling bloated, coffee subscriptions which kept me driving out of my way to utilize!

did 32 hours of overtime. im not playing out here!

Follow through

Hey Kate, I'm doing a no spend March. Yeah baby 😊😊😊😊

Consistency for me ✌️

I would love to see one of your dance classes 💃

consistency for sure!

Would love to see a new budget video.. old fashioned paper budget

Need to return to “no spend” weeks (sometimes they need to be days)! Didn’t go hog wild but went further than I wanted to 😢 I assumed that the funds from husband’s job when the outage happens would stay on target; however, there is a real risk it will not occur at all….so the journey in clearing off CCs will be delayed ~ for how long not sure….

Doing a happiness audid

I wish you all a happy frugal friday! I have an appointment tomorrow, so I will watch as soon as i am back! Have great weekend everyone🌷

Hip Hip Hooray for 50K!

Kaden and Kate 🐈 🐱 🐈 ❤❤❤😮😮😮😊😊😊

Have a great week!

Happy Frugal Friday!

🇨🇦💕🇨🇦. Thank You Kate!

Consistency all the way. Turtles win the race.

A Happiness audit

I fell and broke my shoulder last week and had to have a total shoulder replacement. Unfortunately I'm not going to be able to go back to doing homecare and when it's time I have to look for different job. I have some money saved so I have to live extremely frugal.