Trying something new a little different from what you do Jane. My husband and I are retired here in the USA. Every month we are starting a no spend week. For us every 2nd week of the month will work for us. Thank you Jane for continuing to educate. Love the puppies.
Subscribed about a month ago. You've given me encouragement on this journey and much food for thought. Working my way thru your older videos. So many changes. Thank you
Another very educational video. Thank you so much! 🌷As a solo mom with very limited funds I always budgeted. But although it all looked good on paper the reality always messed everything up. Around 2 years ago I started my search for a budget system that would actually work after I was hospitalized twice and underwent 2 surgeries that took quite some time (and money) to recover. I found this channel and the bare bone budget and started it from my bed!! It changed my life. I am currently working parttime, earn around 1700-1800€ a month. Single. 59. No debt (anymore... 🙏) and my boys are old enough to take care of themselves. Your videos have been lifechanging. I know for sure that the lives of me and my family would have been so much less stressful if I had known the system back then. Every time I meet a single mom who struggles I ask her if she knows the bare bone budget system and if not I send them to your channel! I ordered the budget planner you recommended (clever fox) and was wondering how you incorporate the different sinking funds and savings in the planner? I am using pencil and eraser at the moment because I just started this month and I am still figuring out how and where to write everything down 😅
The US is interesting. In my 20s I lived off 3k a month as a nurse in the Midwest with no problems. Able to save around 1k a month by having roomates. Excellent lifestyle- very money conscious but found lots of free fun things to do. Ten years later and the minimum amount a single person needs is around 4k in my opinion. Most still need a Roomate. It’s shocking how high cost of living has risen. I can’t imagine how expensive things would appear if a worker made less than 2k a month.
Inner French 🇫🇷 city living costs sound just like Oz 🇦🇺, very expensive. Australian 🇦🇺 banks also charge fees and make about 1 billion AUD profit per year! Thank you Jane and Mike for the budget update date also hello to the doggies.🐶.
Currently doing my no spend July, so far so good, only food and bills, due to pay dates my months run from 23rd - 22nd so started on 23rd June and ends 22nd July. Hoping everyone has a good month with more money than month remaining. Another good one full of information, thank you both :)
Your methods are unique and easy for just about anyone to understand and put in practice, the local school should hire you to have a class for the children so they won’t fall into a debt trap. It’s needed here in the USA also, I started with my children young thank goodness, my parents and grandparents taught us but mainly my grandparents because they were a young couple during the Great Depression. The farm life is how they made it, and today I’m thankful they taught me.
I wonder where you got your income info for the U.S. i looked up income info and gross income per household averages around $4300/month. Income per the world bank for U.S. per capita ( that’s per person) is $1695/month gross (before taxes). My husband and I have about the income the world bank notes is the norm. We save 40% of our income long and short term. We pay rent and the usual utilities, insurance etc. We do not get any government help. We are older so we try to save as much as possible to make up for all of the lean years when our income was low. We also have chosen to live in a rural area where rent is much cheaper, however food and gasoline prices are quite high so we have a garden and don’t drive the 20 miles to town more than twice per month in summer and once per month in winter. We have cheap phones and phone service and no subscriptions such as Netflix. We also carry no debt. Our car is 25 years old which we are saving to replace if car prices ever come down to a sane amount. Being frugal is easy… just be happy with a roof over your head, good food to eat and clothing that fits the season. Everything else is gravy.
We’re planning a trip to France next year (which gave us 2 years to save for it). I was a little surprised at how expensive restaurants appeared when I was looking online, but I did have to remind myself that I don’t need to add tips. We have the illusion of cheap things here when we don’t list tax or tips in our prices. Either way I am sure most people do have to pay attention to expenses these days.
@@FrugalQueeninFrance we’re coming for Christmas time to see the markets and such. We’ll try to follow our usual vacation plan of one meal a day out and the rest we cook or do grocery take away type meals. We have free accommodation and only have to pay for one airplane ticket so it’s the opportunity of a lifetime for us. I can’t wait 😊
Great video Jane & Mike. I first started budgeting from your early blogs. I’m 60 this year never too late to start.I like that having different pots for clothes, car etc means I don’t feel guilty about buying but only when it’s needed and saved for. Am now a cash stuffer and it’s addictive so many young people now budgeting and saving. Radio 4 You and Yours did an interesting programme on budgeting on Tuesday and one about debt yesterday which may be worth a listen to some.
I hope your better than usual income for the month means that you are making more from YT channel. That’s just my thinking, you don’t have to acknowledge. Great video, as usual.
These are always useful, Jane and Mike, thank you. I am working my way to a zero based balanced, so far I am estimating the expenses as many of them vary from month to month, as well as our income.
Very high cost Country. I live in a self owned (0 Debt) 80 sqm Apt with lift in Mumbai Suburb, India and my total expenses per month is 200 Euros (Incl. daily part time domestic help). Unbelievable, yet true.
Oh that is hard, a no spend July. Its the month I'm off from work, (working at a school) and there is and will be some extra spending for going out with friends. Hosting dinner parties, a little extra food, and I do small repairs and fixing up. For example. New to me curtains, I got them cleaned, and I had to buy a new curtain rod. It is the month where the strawberries grow, and I need canning sugar (sugar that contains pectin), and lids for my jars. Thanks for the video Jane.
Thank you for sharing your budget. My budget has to be higher for insurances because my health insurance is $325 per month. Basic life and car insurance is higher too. Also basic internet that i can do my work on and not run out of data is higher.
Thanks for sharing. One question I have for you is at the end of the year if you have any category with funds left over what do you do with it? I am trying to decide this for my budget. Roll it over or add to long term savings?
Just wondering do you need to top up your health insurance because some things are not covered in France by social security? Thank you for such detailed video.
Hello Jane, could you please share with which insurance you have your house insurance? I am also in the North of France and pay double of what you are paying. By the way, thank you so much for sharing your EDF electricity subscription a couple of weeks ago. Since I have switched to the same option and clearly see the savings! 🌻
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@@FrugalQueeninFrance ❤🧡💛💚💙💜Thank you and Mike for all your hard work and long hours bringing us this excellent site...you all are making a difference in people's lives!!!🥰
