We Answer Your Thrifty, Frugal & Money Saving Questions.  

Hi everyone. If anyone wants to ask us a personal question, we'll answer it when we know each other better after we've been friends in person for a few years 😂😅

Your attitude (and I am sure that Mike is the same), is not to moan about circumstances, but to buckle up and work on solutions. You have a well balanced life, and it is something that you have created, it wasn't handed to you. Well done.

Always single, and I did all the things you mentioned. Although I did go to university. I had marketable skills, and worked in industry on weekends and time "off", whilst teaching full time (+department head, additional marking, etc.). Make hay while the sun shines. Head down and make money, because there's no one else to please (but also, no one else to make more money, share expenses, etc.). I had my side business, and worked 7 days a week, for 14 years, and invested in land. Then I stopped my side hustle, and continued teaching till retirement. When you're young and healthy, work hard, and invest wisely. But I think married people have the upper hand. Twice the income, not twice the bills. Plus, someone to talk to, etc. Young people should get married, when it works it's a great asset.

My husband had a mentor when he started in his career (he was about 24 years old) and he told him to immediately start putting into his 401K. No matter how small the amount! And it was the best advice he received. We retired at 60 thanks to his advice!

Hi Jane and Mike. Some great questions and answers there. We're all in different financial situations, but with one thing in common, that is to keep our heads above water. No, I wouldn't fancy going back to work again. I would rather continue with my frugal life and be happy and stress free. Liked your trade answer. I was told that a good plumber can earn as much as a surgeon, which I can believe. So handy to have a trade, which hopefully more young people will look towards by seeking out apprenticeships. Thank you both. 🤗

When you know better you do better! So don’t carry that guilt 😃

As a former teacher, people are surprised when I encourage young people to seek out trades instead of going on to college. I am glad to know I am not alone in this! In the US, the push has been during my lifetime that everyone needs to graduate high school and go on to college. College isn't for everyone, and I know many smart young people who have gone to trade schools and make solid incomes while classmates who went to college are in massive debt. Lastly, the little "sweater girls" at the end are absolutely (as always!) adorable!❤

Please do this again. I really enjoyed it

Hi Jane and Mike I came across you videos my chance and so glad I did I'm hooked love your no nonsense attitude I'm also on a low income and thought I was being frugal but I wasnt I've got no saving at all. Today I wrote a budget yah i get paid 3 times over 4 weeks . I looked at what foid I had in and found I dint need to shop this week opened a high interest account and transferred what I would have spent straight into that. Really look forward to seeing more videos 🥰

I have always told my children that retirement has no scholarships. Start saving as soon as you start working after school. They have no debt and are teaching their children the same thing.

Thank you so much for your answer to my question. It is very much appreciated & your channel helps me so much. I'm grateful to have found it! x

In relation to food costs I also think food choice can be detrimental, eg steak vs chicken. If necessary ppl can eat beans on toast or lentil soup as you suggest, instead of bacon and eggs or roast lamb. Even if it's just temporary to help pay off a debt, for eg the one with the highest interest. It may mean no hobbies for 6 mths, no new clothes for 12 mths. It depends how serious your situation is or how determined you are (gazelle intensity as Dave would say.)

I follow Dave R too, even taught the class, I am in agreement with you about putting away the $100 a month when you start working full time, I think its good for a few reasons, one it will show a young person how easy it is to forget about how much is in savings and let it grow also it builds a healthy habit and age 20 instead of trying to start saving at 40 or however old you begin, Living Lcchain, is a jewish podcast and one of his Rabbis said invest in something, once a month, no matter how small

I agree with your view of Dave Ramsey and retirement savings. His advice is only really sound in that instance if your behavior change really sticks. It took me a couple of efforts over the years to be successful with the baby steps and get out of debt. Had I not invested in retirement during that time, I’d have lost out on so much! The compound growth is just too important to skip out on.

enjoyed the Q&A. My Q for the next one is: special celebrations (milestone birthdays, anniversaries, etc)? I'd love to see how you tackle a birthday party for a kid/grandkid or your hubby.

Thoroughly enjoyed this video and lovely to hear Jersey get a mention. I’m keeping it frugal and continue to coax my husband and boys to do the same (some groans but also some successes) x

Your answer to the French politics question was clear, thoughtful, gracious and discreet; you are a class act! Which also shows in your plea for compassion towards ourselves in our guilt about past mistakes. This applies not only to the financial ones. I think not going to university would possibly be one piece of advice I'd give my younger self, though I doubt I'd have listened. Didn't matter so much then, mind, with full grants etc, but more and more I'm afraid I see the university system, and making more and more jobs and professions degree only, as a racket which traps young people into debt, wastes their time and makes them largely ill-equipped for life. PS, I shall try very hard to think of a question, as I really enjoyed this video!

Great advice. I would change things i did in the past but can't. Moving forward is the only choice. Thx for sharing

Great advice. Would like for you to continue any thrifty, frugal ideas. Thank so much Jane Mike and puppies.

I'm in South-Western Ohio (Eastgate). I'm very fortunate, I have a cluster of stores I can visit on my shopping day. Today I went to Meijer, Big Lots, Kroger, Walmart and Aldi. I was able to get the cheapest items on my list at the proper location.

A great video Jane. Practical advice given due to your life experiences. You have experienced what other people are living and have empathy.

Thanks to all for the questions, and thank you Jane for your answers. Most people won't discuss finances, so it's wonderful to see what others are thinking!

Interesting talk and exchanging thoughts from everybody. I think those who are a couple are in a better position! Two incomes. Wherever a person choose to live,work,save- check first the standard of living and how expensive is to live in those places. But Realistically. No la la land. To save is the key-nothing new. Just life became waaaaay more expensive than years ago. As you said,mortgages are much more difficult to be received. And it's getting harder globally to pay it off. For those who received it. Plenty do not and have no chance to. Good luck to everyone. People will need it more and more. Thank you for the video. 🍀

Very interesting video of Q&A , because being economical is a necessity for all, with different and particular situations. We always learn from each other. THANK YOU!

Hi Jane, Thank you so much for answering my question. Nice to know that you wont be worrying about more taxation. Stay well. Regards Trudy from South Africa 🇿🇦 xx

What a fabulous video, so much helpful information. Great format. 😊

I'd like your view on frugal family living Tips on budget living with spender other half and children who want it all.

Thank you Jane and Mike for answering my question. I look forward to using your suggestions. Love all of your videos but the food videos especially. ♥♥

I really enjoyed the video! Thank you.

Afternoon everybody from West Yorkshire in the Uk

I do enjoy these Q and As, gives more variety

Thanks Jane!

Yes, Jane I agree with you check out the career prospects before going to university and getting a debt. Check the colleges for their courses and get assistance from the government to graduate with a good trade. Trades are well paid in Australia 🇦🇺 with good job opportunities but university graduates 🎓 are finding the HECs debt 💸 can be a lifelong nightmare. One young woman recently spoke on TV 📺 about collecting a 63 AUD thousand debt for a psychology degree but before she can practice a 2 years internship must be completed - without salary. Her dream career is fading fast. Very good talk and lovely to see the pooches😊

Perfect Q & A questions and your thoughts

Love your pups❤❤❤

I found your channel at the beginning of summer I think. I have loved streaming your shows. Some I watch twice. I have learned so much. I love your house and garden. I live in Oklahoma in the USA. My daughter in law is British. She says she wasnt born in america-but she got here as fast as she could. She has an accent like yours. My son says he loves to hear her talk as I do to. I am 73 and still work in a school cafeteria. My husband is 72 and works part time. In the past 1 1/2 years we have had to buy him a new truck. Then the transmission went out on mine that I have driven for 22 years. His old truck was bought new in 1996. So we have 2 car payments plus insurance higher than what we did have. I have really learned to cut back. mine was 2nd hand but new to me. I do have a question then will quit rambling. If I watch the commericals in their entirety do you recieve more money? Love your channel! bye for now.

Hello from Romania. It is killing hot here😮. Interesting q & a!!

What a wonderful video! Thank you so much and please do this again!

Oh such great questions!

Thank you Jane. A very interesting video. ❤

Your passion, drive, and determination are very motivating! Thank you so much for this one today. Defo given me food for thought

I fell in love with France many years ago while on vacation visiting Jim Morrisons grave,If I was wealthy I would love t live in the beautiful countryside ❤

Hello Mike & Jane.. I have several collectables. I collect vintage and homesteading cookbooks, vintage kitchen items mainly kitchen mixing/ serving/ utility bowls and i also collect coins and very old bills currency. Those are 3 of my loves of life. Im 60 yrs old and living of disability. Its become difficult sticking to my budgets when i run into a collectable pieces. I end up borrowing from one off my other funds to purchase the collectible item. Then i pay it back at the beginning of the month to the fund i borrowed from. Basically this Pay back has become another bill for me to budget in. Should i just stop collecting my 3 interests? Im also trying to bring myself to get rid of a lot of my "stuff" as i have so much in boxes that i dont have room to store in my little apartment. With all that said what would your reccommendations be? I really value your reccommendations ❤ much love 😊😊 and God Bless you and mime as well. You are agreat inspiration.

Hello from Brighton Ontario...getting the tail end of Beryl...lots of rain.

Also look to food pantries that can help supplement your food supply

No mistakes made educational opportunities yes!

I actually have another question, though of course feel free to read out other people's given you've already chosen me. And you might have addressed this in the past and I've missed it. I'm just wondering about quality vs quanity. So, do you and Mike "splurge" on some items, whether thats food or clothes, because you know they are of a higher quality/standard (and will last longer and/or be better for you) or do you opt for the cheapest option, even if it might not last as long/be the best option? How do you decide what is worth "splurging" on and what you can just buy the cheapest option for etc? Many thanks again. 😊

In the uk private pensions get a top up from the government depending on how much you put in. Plus income tax exemption got a certain amount because you put into your private pension and even giving to charity. They can tell how much you donate I'm assuming because of gift aid. So the government give 25p per £1 you donate and give you a tax exemption through your yearly income tax exemption 😊

I wasn’t sure about this video when I saw the title but I absolutely loved it and the questions were brilliant, thank you 😊

Waiting 😊

Love all your advice. Helps so much

Great stuff Jane!

Great video. More like this, please.

Good Morning from America, love ur videos ❤

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Great video jane, my son is saving money but will try again to get him to open an isa as well.

Jane when I was in nursing school, my mother in law to be gave me a bag of squash and I ate that for a week, and no one knew it was because I was saving money and also didn’t have an extra money. N

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Exited!

Great ❤

Very good advice.

Great video!

👏🏾👏🏾👏🏾say it agin my friend I have an Architecture degree with debt am I even working with that degree no have I own business that had nothing to do with my degree yes 🤷🏽‍♀️ would I have done that the same way agin NO I was able to move farther fast just with my natural talents no major education needed so that is what I’ve taught my children what are you naturally good at and can you make a career or business out of it lawfully ❤this has allowed my children to develop what they truly love ❤❤❤❤

People often feel they need the latest and greatest. If you need a replacement buy an older model that is still available and will do the same thing. Example sonicare toothbrush . The latest 285.00USD. Older model 58.00USD. Both will still clean your teeth.

In Aus there’s only employer scheme called Superannuation

Hi, just wondering when you did your levelling up were your children still young or at school?

Nice top. ❤️