Agree with all you say, we are 73 and 82 so now trying hard to spend more. Tomorrow as we travel through France by Interrail, we are in Grenoble at the moment we are going up to Fort du Bastille, we will spend the money for the ski lift thing and enjoy it. It is hard after fifty years of counting every penny BUT we will. Thank you for a lovely talk people need to hear what you are saying. People say we are rich, we are frugal.

@FrugalQueeninFrance

Жыл бұрын

Enjoy every second

I'm still frugal out of necessity, but I enjoy it. I LOVE drawing up budgets that work and allow me to pay down the debt I have at the fastest rate.

@FrugalQueeninFrance

Жыл бұрын

Us too and we enjoy it

@patmartin9727

Жыл бұрын

I am frugal by choice but I am aware that if I wasn’t frugal I would soon end up in debt so I am happy to live my frugal life. I have peace of mind regarding my finances as I know I have fully funded emergency fund and also fully funded sinking funds so I know if Murray calls I have the funds to deal with what he brings. I know that my home is suitable to allow me to continue to live there in my old age. I keep it in good repair and look after both my home and it’s contents to make them last as long as possible before I need to spend on it. I have total peace of mind, I know what I can spend and what I can afford. I live a plan and simple life which suits me just find. My home is fully insulated with double glazing which makes it cheep to heat. I only upgrade stuff when it won’t work anymore and even then I don’t go for the top of the range and look for second hand or refurbished. I rewrite my budget every month as part of my income is variable and I need to know where I stand financial before the month starts and the money start moving out of my account.

Great tips as usual Jane! When we paid off our mortgage it was the most unbelievable feeling, we have no debts at all now! Your contentment and joy with your lifestyle shines through in every video!

@FrugalQueeninFrance

Жыл бұрын

It’s the most wonderful feeling

@patmartin9727

Жыл бұрын

The feeling of being debt free with money in the bank is the best feeling. No stress no worries, you feel in control.

Hi Jane and Mike. I am frugal by nature. Even as a kid I saved my allowance and didn’t blow it on junk most kids buy. If I did, I always had buyers remorse. As a teen I’d hit the clearance racks at clothing stores first ( still do as an adult) and took my lunch to school (and work) since it was cheaper. I’ve bought 2 vehicles in my life, the first in 1990, which I drove until I bought the second in 2018. My goal is to keep this one just as long. I’m still in my “starter” home that is mortgage free. I’m currently saving to replace my fence, buy a new mattress, and a new couch. I hate to pay finance or interest charges on anything. I view being frugal as “ beating the man “ at his own game. Being frugal allowed me to retire early ( before 60)with no debt. I knew I did not want to have to work until 67. Thankfully the choices I made early on made this possible and I retired in March at 59. I continue to live on a budget. I love making my budget each month and knowing where my money is going.

@FrugalQueeninFrance

Жыл бұрын

How marvelous

@rebzeb5814

Жыл бұрын

I also see it as beating the system, its motivating haha

@Sally-wm5jh

Жыл бұрын

❤Congratulations on retiring early. I love the "beating the man" phrase. I feel like it's a challenge every month to see if I can out do myself from the previous month on the items that are flexible. What a great feeling.

@allisonmodaff5635

Жыл бұрын

I must ask: what kind of vehicles do you buy? I’m thinking Toyota or Honda? Thanks for sharing your story, and congratulations on retiring!

@katworkstowander9853

Жыл бұрын

@@allisonmodaff5635 my first vehicle was a Toyota Corolla. It had no “extras”, nothing electric (crank windows). It was actually still running really good when I sold it, but the AC had quit working and it couldn’t be fixed. Summers here can be brutally hot ( 112 degrees F) for days on end. I just couldn’t take the heat driving around in it. I tried for 2 years but couldn’t face another summer. That, and stuff was just wearing out, and I was having difficulties finding replacement parts. My new car is a Honda Civic. I did not pay extra for the bells and whistles; and it was in my price range. I did buy new because the used Hondas were only a couple thousand less than what I paid for the brand new year end close out as the dealerships were bringing in the new models. Since I keep my cars forever, depreciation is not an issue as they are fully depreciated by the time I’m looking for a new vehicle. I’ve been very happy with my choice so far. The only reason I did not get another Toyota is because the Honda was more comfortable for me. Proper vehicle maintenance is incredibly important to keeping your vehicles. Oh, and not letting your ego get caught up in thinking you need a new car!

I have always been frugal...first by necessity, now by choice. remember my mom composting, gardening and upcycling during her Mother Earth days back in the early sixties. When I had two small children and we were unemployed in the seventies...I knew how to survive.

@FrugalQueeninFrance

Жыл бұрын

Likewise Lavonda

My Parents we're frugal. There Parents we're frugal. I don't know another Lifestyle,and I Love the way I live👍

@FrugalQueeninFrance

Жыл бұрын

That’s super

Happiness and contentment in this crazy world. Ilisten to you every time and you make me feel that our little group you have created has given me a comfort blanket knowing others all over the world are the same as you and i. Look forward to Friday x

@FrugalQueeninFrance

Жыл бұрын

Thanks so much Elaine

You are my favourite frugal channel 😊

@FrugalQueeninFrance

Жыл бұрын

Thanks so much

For me, looking around and realizing that I have many of my wants right here, well beyond basic needs. I've been through inflationary times before, I hoped never to do it again. But life happens. I don't enjoy surviving inflation. There is no question that frugality is the key to sanity and making it through in good shape. Thanks for your excellent channel, it helps keep frustration at bay.

@FrugalQueeninFrance

Жыл бұрын

Great point

Another great vlog! I have 2 payments left and I will be debt free! I started following you both about 2 years ago and I’ve cleared everything. I have a healthy stand by fund, I have sinking funds for everything including appliances and I’m saving for the future too. I feel in control of my life for the first time ever. I have to give credit where credit is due and I’ve achieved this by watching you guys 3 times a week. You are fantastic role models and I thank you both so much. Have a lovely weekend. 💋 xx

@FrugalQueeninFrance

Жыл бұрын

Well done to you. You did it.

That's the key, living the life you choose to live. A frugal lifestyle suits us as a couple and the freedom of living without a mortgage or car payment makes life easier. Thanks so much for all your tips and content. I look forward to your videos each week giving me the motivation to keep up the frugal life.

@FrugalQueeninFrance

Жыл бұрын

Thanks very much for watching and commenting

You are a wonderful teacher and an inspiration. Thank you!

@FrugalQueeninFrance

Жыл бұрын

Thanks Alice

Greetings Jane and Mike from Michigan. I love this video! Enjoy your content, keeps me motivated and on track.

@FrugalQueeninFrance

Жыл бұрын

Thanks so much

I really appreciate Jane and Mike. I am from Louisiana and about 5 y from retiring at 59.5. I get weekly inspiration from Frugal Queen in France. No debt and stacking my $ in saving/investment and retirement. It really helps to watch these videos and have a friend or 2 who is likeminded. Instead of bragging about our new cars, clothes, vacations…we giggle with delight about our early retirement!❤❤🎉🎉

@FrugalQueeninFrance

5 ай бұрын

A paid off mortgage and funded retirement is the new luxury

Ever since I paid off all my debt 6 years ago I was able to have so much financial peace and also am able to invest in traveling and aggressively put funds in savings. I actually enjoy finding new ways to save. Love your videos!

@FrugalQueeninFrance

Жыл бұрын

Thanks for sharing

I have lived frugally my entire life. I grew up in a one income family and learnt to manage frugality with a positive attitude. I have also lived entirely debt free since I was widowed 26 years ago, living on a very small pension. The absence of debt is a HUGE advantage of frugality and financial planning. Planning ahead for the near and far future is essential.

@FrugalQueeninFrance

Жыл бұрын

Thanks for sharing

@vivr662

Жыл бұрын

I think once you decide never to have debt again you become more creative at finding solutions to what sometimes seem overwhelming problems. There is always another way.

Than you for another great video. I noticed in one of the comments that a lady was asking about vets bills, if it helps I actually have a cash binder for my dog the sections are labelled. Hair cut. Holidays. Treats. New for old ie dog lead coat if needs replacing. Vets. I put whatever I can afford and it soon builds up. Having his own little cash binder works a treat.

@FrugalQueeninFrance

Жыл бұрын

Good way to organize your sinking funds

I have been frugal all my life n from early on I found that I HATED owing money to any one so if I wanted anything I saved for it. I really do love budgeting, n saving money.

@FrugalQueeninFrance

Жыл бұрын

That’s brilliant

You are 100% correct!! Back when I was a teacher I passed by a teacher walking her 2nd grade class down the hall. One little boy was acting up touching the boy in front of him. The teacher stooped down next to him and looked him in the eye and asked him,”Who’s the boss of your body?” I loved it! I always remembered it and came to realize that it applies to adults as well! It’s just another way of saying what you are saying….love your chats😀

@FrugalQueeninFrance

Жыл бұрын

Thanks Kathleen

Always good to hear about others who live their lives like my husband and I do. Pandemics have come, crises of all kinds have come, but we have been comforted in the knowledge that we have no outstanding bills and have planned for the future. Being frugal has helped us get there. And now we see our children doing the same.

@FrugalQueeninFrance

Жыл бұрын

Thanks very much

Another great blog. I would add to the list. Frugal people ARE NOT LAZY. If we can do it our selves, we do it. You made me think back to when did I become frugal. I think the answer is possibly, I always have been. I wanted a nice home. I wanted my children to be well dressed. I wanted my family to eat a well balanced diet. I wanted a beautiful garden. So I CREATED it all. By my own hands, my hard work. I saw it as my responsibility, no one else's. Hard work, but having it all is a mind set. Not a privilege. I had more than my contemporaries. Many of them had a larger income than me, BUT. They wasted so much and worked worked less than me. Would I shovel horse manure? Yes I would. Like you Jane and Mike, I would focus on not only on how much I had saved bu t also how I could use that saved money on better more useful things. Your so right it is a certain mind set.

@FrugalQueeninFrance

Жыл бұрын

Thanks Liz

This video is especially meaningful to me. I lead a book club of ladies and we are all elderly though that we are all just experienced in wisdom and behavior. We take on books exploring life values, habits, and goals. We try to be realistic about present day circumstances and work within our limitations with joy. We help one another with quandaries, celebrate success, and love the simple life. One must learn to love this life to continue it's disciplines. We usually agree that simple is good and relationships are the best wealth that life has to offer. Thank you for sharing your life and spirit you share. It helps.

@FrugalQueeninFrance

Жыл бұрын

Thanks so much

The biggest reward for us is the sense of control of our money even when product prices increase. And this in turn = FREEDOM! We have been budgeting for a very long time so when we retired, we had NO debts. Thanks for sharing.

@FrugalQueeninFrance

Жыл бұрын

That’s fabulous

Plan, plan then Plan again. I’m budget mad but my goodness it’s paid off we can live our life being careful and sticking to my budget and we’ve got a lovely life in this mad crazy world. I don’t and never have wanted to keep up with anyone and fit in if you like, as long as my OH is on board which he has always been you work together and enjoy the fruits of our labour, I’m so proud. Still listen to you though just to listen in case I am forgetting something, 🤣. I hope the buzz that I get from being frugal never wears thin, I do think it’s ingrained in us now. 😍

@FrugalQueeninFrance

Жыл бұрын

I doubt you nor I will lose it

Loved #1 reason. You are content with who you are. That is such a freeing feeling. Mike and you had lived life on your terms - kudos. You treat money with respect.

@FrugalQueeninFrance

Жыл бұрын

Thanks for watching

I am forever grateful our mortgage was paid off just before interest rates started rising, and what credit card debt we have is now on interest free. We managed due to my last contract to pay off a car and clear 2 credit cards too. We have lived frugally for the last 7 years due to dads funeral costs throwing a spanner in the works, not cheap, burials! He didn’t plan, although he told us he had a plan, he cashed it in and didn’t tell us. Before that we had no issues with money, paid off cards each month, no debt other than house and car. I think children should be shown your videos, save them so much grief if they have skills to survive financially.

@FrugalQueeninFrance

Жыл бұрын

Gee thanks dad.

We have lived similarly all our married life and are quite content. We live modestly and it is financially liberating. 😊

@FrugalQueeninFrance

Жыл бұрын

Thanks so much for watching and commenting

I’ve spent the whole of my day off watching your channel. I’m obsessed 🇦🇺🇦🇺

@FrugalQueeninFrance

11 ай бұрын

Wow, thank you!

Its all in the planning.

@FrugalQueeninFrance

Жыл бұрын

Thanks Gladys

It's a lot of fun to living frugally, and so rewarding! Love all your tips and reminders to keep on track.

Had to chuckle at the love of home cooking. I absolutely dislike cooking, however, if I want to eat then I have to cook. Mainly because I dislike spending money eating out plus, you have no clue what's in what your eating. I eat very healthy (so does my dog, I make his food), and love what I cook, but I sure don't care for cooking it.

@FrugalQueeninFrance

Жыл бұрын

I don’t enjoy cooking every day, beans on toast is a meal

@carrieh2409

Жыл бұрын

I absolutely hate cooking too! There are days when I’d rather just eat cold cereal for dinner to be honest, LOL! But restaurants are so, so expensive now and I refuse to pay good money unless the food is absolutely great and isn’t something that I could do just as well or better. We experiment a whole lot less than we used too, and usually only go out if the high quality of the meal/experience is guaranteed. I really miss eating out, but I appreciate the money more in my wallet than on my plate now.

@pamplant3610

Жыл бұрын

@@carrieh2409 I hear you. I haven't eaten out in over 8 years. Just can't justify the cost just for one meal. I've done cereal for meals too, but I no longer buy it, so I either make oatmeal or grits and the only thing I put on them is butter. I consume very little sugar of any kind. I'm very fortunate because, even as a kid I didn't care for sweet stuff. I know, strange. I eat Mediterranean food, in particular from the isle of Crete. Their food fits more with my tastes.

Great! So much to learn, now to rewatch it❤❤❤

@FrugalQueeninFrance

Жыл бұрын

Thanks Laura

I agree with you 💯

Great ideas and motivation. Much of our frugal living practices started as ways to reduce our ecological footprint. Now, as a retired school teacher, I am adding to those practices. Being debt free is the greatest gift you can give yourself.

@FrugalQueeninFrance

Жыл бұрын

You’re absolutely right

@charlettenitzsche1895

Жыл бұрын

I'm a retired teacher as well. About 5 years before I planned to retire, we planted lots of fruit trees, berries, etc as well as bee hives.I became widowed a month before retiring and was so very glad that we had set up the farm for frugal sustainability. I agree-- debt free is the greatest gift you can give yourself.

@FrugalQueeninFrance

Жыл бұрын

@@charlettenitzsche1895 so sorry for your loss

Although my efforts at frugality have been inconsistent, reading a book called Champagne Living on a Beer Budget did help guide and motivate me to be less wasteful than I would otherwise have been. That was many years ago -- back in the sixties -- so we are now much better off than we probably would have been if I had not come across that book's information.

@FrugalQueeninFrance

Жыл бұрын

I know it

Amen Jane !!!!!

@FrugalQueeninFrance

2 ай бұрын

Thanks

I find writing and following a budget as calming as a meditation practice …. and a lot easier to do! I guess I have budgeted since my husband died and it gives me a sense of security and empowerment. By the way I don’t meditate- too busy leading a frugal life🤣 as it keeps me very busy!

@FrugalQueeninFrance

Жыл бұрын

Thanks Alison

Thank you for another great video.

@FrugalQueeninFrance

Жыл бұрын

Thanks for watching

It's great to be frugal. I invite my sons to dinner for a big pizza and wings night once in awhile. I sweep my hand over the dinner and say let's enjoy our frugal dinner! They now understand stand my meaning of frugal. 😊 Home cooked meals are the best. We just have to plan ahead and gather the ingredients. Thanks for your positive messages, Jane and Mike.

Jane this video was so uplifting and fun to watch My husband and I live the same way and as you and Mike it is fun for us.

@FrugalQueeninFrance

Жыл бұрын

Thanks so much

I've been fairly frugal for much of my life but have become much more so in recent years. It really perturbs me when I cannot pay off all my debts on a monthly basis. So my task this month is selling some equipment and items I no longer use in the hopes of using that income to pay everything down.

@FrugalQueeninFrance

Жыл бұрын

We’ll done and keep going

We both love home cooking and eating wholesome meals made without any preservatives or chemicals. But most importantly we appreciate not paying the overhead for someone else's business, just for having a meal there.

@FrugalQueeninFrance

Жыл бұрын

Thanks for watching and commenting

Frugality is a great hobby! It was born out of necessity and became a lifestyle. 😀

Started about 1.5 year ago and already reaping the fruit of my labor ; emergency fund, sinking fund, only mortgage debt, beeing able to renovate the house, entirly declutered, eating more healthy , starting a small veggie garden , working with a budget and sticking to it . Thinking in needs not in wants but give myself a treat every month ( funny money budget) , Result more financial independent, happy and healthy.

@FrugalQueeninFrance

Жыл бұрын

Wonderful

Love al, your tips, enjoy saving money each week ❤

Wonderful frugal chat, since the pandemic I have become more thoughtful about what I spend money on. Food in Australia has shot upwards, transport likewise, as for clothes last years fashions are fine. Trying to stay out of debt for many people is difficult but I have been fortunate so far!

@FrugalQueeninFrance

Жыл бұрын

Thanks for watching and commenting

Well, I happen to like your house, decor, decisions you share with us! I go for clean, simple and functional ways, too. The house I own now has original stained glass windows from over a hundred years ago. I don't want anything I do or decorate with to take away from the art the house has built in. I've also been frugal my whole life, even when I had a really good income. My first cash envelope stuffing system was in 1972, when I first moved away from my parents'home... out on my own. I don't remember exactly why I decided on that, but I do recall thinking that I had to make sure I had rent money ready every month and enough money to eat. I like listening to you so much, Jane. We seem to think similarly. I love budgeting, too. I love making something last for years and years and years and years... It makes me so happy! 😊

@FrugalQueeninFrance

Жыл бұрын

Thanks Jonna

This is SO inspiring, Jane - thank you! It would be great if you would speak to high school students who would greatly benefit from your experience. I wish I would have been taught these principles in my own youth! 👏👍🙋‍♀️🇺🇸💕‼️

@FrugalQueeninFrance

Жыл бұрын

Thanks Janet

Debt-free peace of mind combined with delicious home cooking, it's a great way to live.

@FrugalQueeninFrance

Жыл бұрын

Thanks Belinda

I love the tips, we also moved into our home with the plan to pay it off before my husband retires. I do consider it an adventure to continue our journey and living well in those retirement years.

@FrugalQueeninFrance

Жыл бұрын

Keep enjoying the adventures

Love your frugality , it’s helped me big time , so thank you for that , and keep up with what you do , so helpful thankyou

@FrugalQueeninFrance

Жыл бұрын

You’re welcome and thanks for your feedback

Seveeeen! The thumbnail made me chuckle 😊

Love your channel!❤ thank you for such great videos!

@FrugalQueeninFrance

Жыл бұрын

Thanks very much

Thank you for your video.

Thank you Jane!

@FrugalQueeninFrance

Жыл бұрын

Thanks for watching

Love your #1 point!

@FrugalQueeninFrance

Жыл бұрын

Thanks very much

Great video! I relate to all the secrets mentioned. So true and on point. Thanks again 🥰

@FrugalQueeninFrance

Жыл бұрын

Thanks Liz

Thank you Jane and Michael for another great video. Love living as frugal life as possible and just enjoyed a glorious two weeks with our retired friends visiting here in SC. Also, love your hoodie today!!!💕😊

Great advice!

So inspiratonal jane, thank you, i haven't been as furgal as you but i've learnt so much from you and goodness knows what state my finaces would be in if I didn't follow most of your tips

@FrugalQueeninFrance

Жыл бұрын

Thanks very much

Great video Jane and Mike. Love hearing your views and sharing your lives with us.

@FrugalQueeninFrance

Жыл бұрын

Thanks so much

Excellent message as usual. Thank you.

@FrugalQueeninFrance

Жыл бұрын

Thanks Cathy

You are so correct! A debt snowball challenge becomes an exciting game with long term rewards. Great reminders ...love each of your videos! Thanks so much.

@FrugalQueeninFrance

Жыл бұрын

We’ll done and keep going

Thanks

I have been careful..for a long time. Happy to be debt free.

@FrugalQueeninFrance

Жыл бұрын

Thanks Mary

Really enjoy your channel!

@FrugalQueeninFrance

Жыл бұрын

Thanks so much for your feedback

Thanks for that Jane. Great video. I've always been naturally frugal, it comes from my dad. The next step is budgeting which I've always had some resistance to. I guess its the administrative burden. My approach is to spend as little as possible on everything but you're absolutely right - it's not sustainable. I love how you said a budget gives you permission to spend, I've never thought of it from that perspective.

@FrugalQueeninFrance

Жыл бұрын

Thanks Reb.

I have been watching since you lived in Saltash (I am in Plymouth). I had to learn to be frugal rather suddenly when I had to medically retire and had to buy a bungalow we couldn't really afford. That was nine years ago and we are now debt free and have an emergency fund. We didn't think we would make it six months in the bungalow and I still have the money set aside that we thought we would need to go bankrupt. Frugality saved us and the budget was our plan each month. Great oaks from tiny acorns grow.

@FrugalQueeninFrance

Жыл бұрын

Thanks very much for sharing

I have learnt so much from you about living frugally and have paid attention to the meals you cook. I did enjoy Scot Joplin's tune, " The Entertainer. " which was the Theme of the film, " The Sting. "

@FrugalQueeninFrance

Жыл бұрын

You’re welcome

👍👍👍

Great, inspirational video as usual. Do you have any photos of your old home's interiors you can show? I'd love to see your old 1980s interiors .

Jane, I refuse to replace bed linen with new expensive shop priced doona covers, sheets etc; Have found wonderful near new replacements in thrift ( what we in Australia call op shops). It gives me pleasure enjoying their use at such little cost Mary

@FrugalQueeninFrance

Жыл бұрын

That's great

👍 You talked about planning for the future. My father lived to 96. I plan on having enough money in case I live that long. It's one of the main reasons I am frugal. Of course, I may only live till tomorrow but we never know, do we?

@FrugalQueeninFrance

Жыл бұрын

Good point

Thank you so much for this video Jane and Mike, again another learning lesson. I have learnt so much from your videos. Just one question when did you start doing the videos as I would love to watch them from the beginning. Thank you again from Australia.

@FrugalQueeninFrance

Жыл бұрын

Three years, this was our first video. kzread.info/dash/bejne/eKGBm7h9nMepprA.html

I have a horse and people, usually with allotments, regularly come and pick our muck heap, definitely no need to buy it there’ll be somewhere local who will be happy to have some of it taken away. Win win 😊 there’s also an egg farm half mile down the road, at the end of the season will sell his hens for around £1-2 each, they still lay eggs just production drops a little as they get older, it’s the old saying if you don’t ask you don’t get, go get knocking on farmers doors you’ll be surprised what you can get for free or low cost

@FrugalQueeninFrance

Жыл бұрын

Thanks for watching

See you friday (O:

@FrugalQueeninFrance

Жыл бұрын

That’s great

I miss MFI!

Can you discuss frugality with pets? Vets bills are crushing

@FrugalQueeninFrance

Жыл бұрын

I have done this, work out your annual vet costs and set up a sinking fund to save 1/12th so you always have the money saved.

We’re headed to our nephew’s college graduation and my husband is held up at work. I was going to say let’s get something to eat on the way. Not after watching this!

@FrugalQueeninFrance

Жыл бұрын

Brilliant

Hi how are u doing 😊yes started frugality watching 👀 your videos ❤.frugal queen voice of a angle ❤ heart of gold ❤ 👸 bless u and 👪 with joy peace and happiness always keep safe take care love alwaysfrom uk pleasure to watch ❤16:24

@FrugalQueeninFrance

Жыл бұрын

Thanks very much

What cracker tonight Jane and Mike - very inspiring

@FrugalQueeninFrance

Жыл бұрын

Thanks so much

Hi Jane and Mike! I loved that your preview page included a photo of the recently passed Prince of the Passa Doble, Len Goodman. Dancing With the Stars was very popular in the States for many years due to him and I was saddened by his passing. One of your points that sticks in my mind is planning for NEEDS in future. In a hair over 4 weeks I'll be 67. And the longer I stay in my second floor condo, the more !!$@&**%^##$%@#!! I do after bringing in groceries and the like. Thank you for bringing up this point. It's as though I have permission to change as my needs certainly have.

@FrugalQueeninFrance

Жыл бұрын

Thanks so much. Len was the main judge on Strictly Come dancing on the BBC, I can still hear him saying ‘seven!’