It's a good habit to check your bank account daily. I noticed I was charged twice on a train ticket.

@FrugalQueeninFrance

10 ай бұрын

It’s important. Thanks for sharing

@jimmiepatrum

10 ай бұрын

Yes, I check my bank acdount daily, too. Diane

@maryannrogers8675

10 ай бұрын

Yes I also check my bank balance each day.

I almost always cook a double batch of everything. It's usually enough for dinner one night, both of us for lunch the next day and 1 extra dinner portion for leftovers and then I freeze the other half to do the same thing another time, without having to cook. We have two left over nights per week. I only cook 2-3 meals and we go out or order in one meal per week, usually using a coupon or a deal. I had surgery a few months ago and we went 3 weeks without me having to cook dinner due to all the frozen meals we had saved up in the freezer.

I have been saving my change since I was a kid, when I was married n my kids were little we used the change to fund our vacations (holiday's) we would have anywhere from $1,000-1,200 saved up for it. Now that it's just me, saving my change for the year pays for Christmas gifts so I don't need a sinking fund for it.

We have a friend who lives out of town, every time there’s an event on we let her park on our drive. In return (she works for a very expensive ready meal company) every couple of weeks she give us 2 free ready meals. They really are restaurant quality and cost approx £9.50 for a meal for 2. A very lazy way to get free food! X

@FrugalQueeninFrance

10 ай бұрын

Excellent

I resisted joining loyalty programs from our 2 major grocery retailers but finally relented and now squeeze out every benefit. Like you Jane, I activate every offer, just in case and I pay attention. I regularly get an offer where if I spend $50/week for 4 weeks I get $50 in points - so a 25% discount! Hello, thank-you!! I only buy what's already on special, or essential, so it's really worthwhile - and fun!! I treat it like a game, walking around with my calculator to make sure I spend as close as possible to the $50 and no more. It all adds up - I've got $750 worth of points for simply scanning my card every time. That's a lot of money to me!! And yes, lazy meals are essential and usually healthier than take out too!! Cheers from Oz!

I agree with being prepared for lazy days. Or a busy canning day, or I can't seem to shake this ear infection and fever days. Having extra meals ready in the freezer is great.

@FrugalQueeninFrance

10 ай бұрын

Sorry to hear that, get well soon

I know ppl get tired of hearing me say this, but I can when I find a fantastic deal. Example: last night I found whole chickens for .89 A POUND! I bought 4 chickens. They are going to be canned up for the shelf and then the bones and skin will make several quarts of lovely broth to go on the shelf. I just saw boxed broth in the store on sale for $2 a qt. Every little bit counts. And if you don't can, you could always freeze it.

@FrugalQueeninFrance

10 ай бұрын

That’s awesome chickens are 15€ each here.

I save my copper and when i have a money bag full I put in the Air Ambulance charity bucket in the indoor market I go to . Our chemist had started to display tiny jars on their counter. You fill them with 5 ps and they hold £2 . I've filled 2 up to press and am starting my 3 rd . They've collected over £150 for the Lifeboats charity. Good causes and no effort to help them . 👏☺️👏

I'm in the US. We have all the things you said. It is so nice to be able to check your bank account right away. I just started using auto pay, it is great. I've been using store loyalty programs and their digital deals. Last week I saved 70% on my grocery bill. I've been using food from my pantry and freezer to save money. Nothing like pulling something from the freezer and having a meal quickly. Thanks for the video. It encourages me that I am doing the right things to save.

@FrugalQueeninFrance

10 ай бұрын

Wonderful!

I like to think of it as being efficient, not lazy! I can be very efficient when I want to!

I’ve bought a portable coin holder/dispenser from Amazon. I mostly use cash for purchases and this little holder has the individual slots for coins and I can give exact change. Almost every cashier asks me where I got it because they want one too, lol. I’ve cleared up a lot of change just hanging around.

@FrugalQueeninFrance

10 ай бұрын

Thanks for watching

When my daughter was born in 1995, I transferred everything I could to standing order or direct debit. The banking apps were hardly there, so I used websites. Likewise I looked at how the mortgage was going and I joined various online supermarkets. Streamlining like this definitely helped us as my DH was away so much. It definitely helped me budget. My daughter is 28 now so I have been doing it a long time.

@FrugalQueeninFrance

10 ай бұрын

Thanks for watching and commenting

I have a coin jar that i take into the bank every few months and they are always happy to automatically sort it for me and give me paper money in exchange. The teller explained that they always need small coins in their transactions with customers.

I love my grocery store app. I can check the flyer when I’m making my grocery list. I can check the price of an item when I see it at a different store to see if it is a better price than at the grocery store. Lastly, when I can’t find an item in the grocery store I look for it on their app and it tells me the aisle where the item can be found.

Small change used at the self checkout - genius 😊

I've been doing all this for years. It's so easy to do and use. I have one bill each month I have to write a check for which is my lot/elect. bill. My comfort is knowing all my bills are paid when I get my SS payment. What is left, that's how much I know I can save and/or spend each month.

@FrugalQueeninFrance

10 ай бұрын

Thanks for sharing

Thank you 😊 I have home delivery from my supermarket to my door. I appreciate this more today as I'm up 2 flights of stairs. And have the bill taken care of with the payment on my phone when ordering. I do like shopping on my phone for groceries. When foods are half price I order more.. Which I wouldn't do in person. Also on the supermarket site I can shop wiser and select items lower in cost per weight. Most important is being frugally wise with spending money Oh how times have changed over the years. I don't scan my credit card though when out because it's been mindless spending for me in the past.. I'd rather enter my 4 digit code every time I need too. I'm on disability and living in government housing. It's wonderful to watch frugal living sites on youtube too. After spending from my pension I ventured into being wise with what money I have coming in through being advised by frugal influencers like yourself. Thank you for your commitment Jane and Mike. . .

I do everything online. My son, who is a techie, warned me about downloading my banking on my phone as it could easily be hacked. So if I do need to use my phone for away from home banking needs, I log in , do what I need then get out of it. Other than that I do everything else online. The deals are out there, we just have to take advantage of them. I keep a simple notebook of my monthly expenses. This way I not only plan for the usual monthly bills, but also note upcoming expenses that are annual or biannual. a "lazy" way to save is to pick up one or two extras of something when shopping, to keep home goods stocked up. I got a kick out of the little ding sound lol Have a lovely day 🥰🪷🌺🌸🌼💗✝💖🇺🇲

That's pretty neat that your electric is so easy to track. We still have meter readers that come along and look at the meter once a month.

@FrugalQueeninFrance

10 ай бұрын

We can see hourly. It’s very cool.

@sjchan3199

10 ай бұрын

Not seen a meter reader in our area for years didnt know they still did it.

Some of our grocery stores offer senior day on the first Wednesday of each month, 55+ gets 10% off. Plus some days you can earn 4 times the points needed for discount on gasoline. It adds up quickly. I also batch cook. Once a week I will make some kind of dish that makes 6-8 servings. I put single servings in the freezer. Chili, soups, pasta or rice casseroles, etc. I always have fast meals at hand and lots of variety. I also bake tea breads often. Like banana bread or zucchini, ginger pear, apricot or whatever I have on hand. I slice it and freeze it. So there's always a treat to have with my tea.

@FrugalQueeninFrance

10 ай бұрын

Thanks for sharing

Agree with so much you have said. I literally today had a lazy mood day. The idea to " just get take away" popped in my head but then remembered my soup I freeze so toast and soup it was. I also use apps we have a good shop called woolworths here in Australia and love using my everyday rewards card to get point that add up to either $10 off a shop or like I chose you can collect the points all year and in December you can use points as money. So far this year I have $260 in points saved for xmass. We also get the offeres you speak of onto of the points. And yes bank auto pay is so handy

@FrugalQueeninFrance

10 ай бұрын

Thanks very much

Thank you Jane and Mike! Your videos are very helpful. Your work is appreciated.

@FrugalQueeninFrance

6 ай бұрын

Our pleasure!

“Beep” - You’re too cute, Jane. Thank you for this video.

I also do many of your easy little hacks. BUT, I ALWAYS pay off any debts by writing a cheque...this makes me more aware of how much progress I've made and ultimately holds me more accountable.xo

I utilize a personal uniform for work. It saves money and brain power. I don't have to decide anything first thing in the morning, it's there waiting for me. A pair jeans and a black t-shirt. Do I have a couple of different styles? Yes. But everything in the closet is an option for the day. I have 2 pair of jeans and 5 black t-shirts. I'm happy. This may not be for everyone. It's the season I am in, and I am ok with that. (Yes, I do have some other items for church and weekends, but not that much!) No one cares about what people wear unless it is way outside of the norms of society.

@FrugalQueeninFrance

10 ай бұрын

Thanks for sharing

@andersonomo597

10 ай бұрын

Gosh I did the same thing! Black pants, black polo shirt, done! It saved SO much time and effort (I was a warehouse supervisor).

Yesterday we had homemade vegetable soup that I had frozen. I also defrosted leftover chili with beans that I had frozen! I made a casserole with a little rice a layer of chili and made a garlic biscuit topper with a sprinkle of cheddar cheese! Effortless

@FrugalQueeninFrance

10 ай бұрын

Oh wow!

This summer has been quite warm- lots of cook once serve twice

Right now I'm cooking up a pot of chicken soup. The broth had been made from the bones of the last chicken we ate. I defrosted the broth today. I make extra soup to freeze too.

@FrugalQueeninFrance

10 ай бұрын

Sounds great!

My biggest takeaway from this is prepping food for the lazy day. Great advice as usual I hate cooking everyday

@FrugalQueeninFrance

6 ай бұрын

Thanks

I have the phone banking app too Jane, makes life and budgeting so easy, here in NZ bank branches are always closing down or only opening one or two days a week. Love your top Jane,

@FrugalQueeninFrance

10 ай бұрын

Thanks for sharing!!

@lynnoorman2144

10 ай бұрын

Yep banks are closing here in the UK too, In 7 years we have lost all 3 banks in our small town , now you have to travel 8 miles to the nearest one, which costs £5 on the bus! Or my petrol!

@FrugalQueeninFrance

10 ай бұрын

@@lynnoorman2144 our village has two banks, we use them for all insurance including medical, they do mortgages and all other banking services. However, there's no cash desk. There's a cash machine for that.

Great tips. It saves a lot of time to streamline where possible.

Your tips for frugal living are well-presented and make for easy implementation. You and Mike are very creative in your videos’ content! Thank you!

@FrugalQueeninFrance

10 ай бұрын

Thanks so much

Having my banking on my phone is awesome. I can even deposit checks. The auto payment is also wonderful. Btw, I made your lentil pasta sauce, and it was delicious!

What an excellent video, Jane. Thank you for all the time you put into these! I whole-heartedly agree about cooking once and eating twice. ❤

Nothing lazy hear at all, automation and convenience are great!

“Beep” “Ding” - I’m giggling here in Colorado, USA. 😂

Jane I save money by Meal Planning . So when I get up in the Morning or the Day before I look at the Meal Plan and I know what to take out of the Freezer for that day or the next day, also on my meal plan I have every week 1 or 2 days of leftovers so we aren't wasting a bit of Food .. This Saves a lot of Money ... No running to the Store for anything because I'm not sure what to cook for any given night .

@FrugalQueeninFrance

10 ай бұрын

Superb

I will find out if our utility companies have apps, and if I can monitor our daily usage. Thanks so much!

Jane love your cook once eat twice advice always have meals ready.👍

For me, definitely supermarket loyalty cards. Particularly Tesco's - you get lower prices on some products just for having the card. Plus I use the points I've collected to pay for weekly grocery delivery, which is a big deal for me as i have health issues.

@tiddlywinks456

10 ай бұрын

I’d say with Tesco it’s a case of you pay normal prices with the clubcard and inflated prices otherwise but I see your point and I do the same as the 4x rewards are terrible in Ireland now, I got great deals in the past.

@kathrynlongstaff9282

10 ай бұрын

I agree..it really irritates me the 'clubcard price'. So unless you want to mine me for data on my shopping habits have to pay an inflated price. Compare the same items for clubcard cost versus a normal cost. Infuriating

You ARE NOT lazy. I have been watching your delightful videos for over a year from here in Montreal, and I am really impressed with how hard you both work. You guys DO rock! Thanks and please please keep up the good work! You are an inspiration to many of us!

@FrugalQueeninFrance

10 ай бұрын

Thanks for watching

I put bills on auto pay If I get a discount for doing so. Otherwise, I pay bills when they first arrive. For decades, my goal has been to plan meals that can be prepared in 30 minutes or less. That when I made whole meals for a family. Now, I live alone and almost never cook like that. Now, I do a lot like you do.... cook enough to have extra, warm up something so I only have to cook pasta rice the next time when I re-heat what's leftover from another meal, etc.

Well, please forgive me! One last comment....One lazy way we make use of things to save money is fast and easy: when we barbeque chicken , we save the bones and freeze those bones to make scrumptious chicken broth for our doggies in the microwave. We use hardly any electricity, we get all the goodness out of those bones, and we have some very, very pleased dogs who get this broth every day!

Lov lovely lazy frugal 👸 👑 heart of gold .😊lazy faboulous ways lazy days need more lazy simple ways in our house 🏠 and life's.cost of luving great tips and tricks ❤❤❤❤

Fantastic tips, Jane and Mike thank you.

I make spaghetti and meatballs- it takes about 3 to 4 hrs, so I make enough for a meal, a 2nd meal the next day or so, and 2 or 3 freezer meals. I make sure my efforts on day one pay off in the future. I also love cooking a roast in the crockpot. Add mashed potatoes and a vegetable- effortless. Hamsteaks- warmed in a fry pan, with a salad or two steamed veggies. Taco bowls- fry up and season twice the hamburg needed- freeze one portion for another meal. Crumble taco shells into a bowl, add cheese, seasoned hamburg, lettuce, tomato, olives. Stir-fried vegetables over rice (I use a rice cooker) with left over chicken.

@FrugalQueeninFrance

10 ай бұрын

All great food

Thanks to your tip, Jayne i am able to have a relaxing day, once a week, and not really cook - i cook once and use twice! So, the spicy mince ( hamburger for the Americans?) I used yesterday to make aubergine stacks today will be the basis of a pasta bake and while the oven is on i will make a ' tray bake' of some sort which i can slice up and put in my sons lunch boxes as a desert! Thanks so much for your hints. Another 'lazy' thing i do is that i only mend stuff when there is pile of 3 items - rather than get the sewing kit out every 5 minutes!

@saundrajohnson1571

4 ай бұрын

Ground beef, actually. 🙂🇺🇸

I felt guilty for using the washing machine 3 times for each curtain to get rid of the mould on them. They were dry clean only, so I saved about £200 on the dry cleaning. I had a strip wash instead of a shower when I could to make up for all that power I used. Great channel😊

@FrugalQueeninFrance

10 ай бұрын

Thanks very much

Real time tracking through the app is something that works for me. It the same reason the step counter is so addictive. When you see yourself meeting goals in real time it’s very motivating.

@FrugalQueeninFrance

10 ай бұрын

Brilliant

Brilliant I don’t have the store sales on my phone but I must set that up as well and a reminder ❤

@FrugalQueeninFrance

2 ай бұрын

You should! Thanks for your reply

In Belgium when you pay cash they will round up the prize . So I pay by card and then you pay the exact prize and on my bancaccount there is a saving app that rounds up the eurocents to your saving account . So paying digital you save digital

@FrugalQueeninFrance

10 ай бұрын

Thanks for sharing

Great ideas Jane!

@FrugalQueeninFrance

10 ай бұрын

Thanks so much! 😊

I have a weekly email from my utilities company. Then you try to adjust.

Jane, I disagree. You shared sensible ideas for people. There was nothing lazy about planning ahead and using conveniences that do not cost any extra money.

Yesterday I made zucchini bread. I made two loaves, which is no more work than making one. So there's some in the freezer to go with coffee in the next week or two.

@FrugalQueeninFrance

10 ай бұрын

That is awesome!

I don't like bill shock so I direct debit our council property rates every fortnight, got my 6 mthly bill the other day, we are in credit by $100! Thanks to you I set up sinking and saving funds, and like you we also have auto transfers set up for those sub accounts. We made sure we organised all our pensioner discounts when we hit the right age so they are applied automatically for car rego, rates, power, chemist.

I am new to digital coupons here at our Lucky and Safeway stores. All I have to do is enter my phone number and I get the discounts. I also save all my change in jars and then spend them at the grocery store on stocking up items.

Yes, the online banking has made my life so much easier too. Good to keep an eye on everything and transfer funds when necessary. I'm with you on the lazy cooking thing. I live alone and often plate up for the day after and freeze the rest. Great convenience, as well as a money saver. Love the jars of spag bol too. 😃 I have the supermarkets offer notifications coming through which ARE handy. Every little helps. Thanks again for this great video...🤗

Good advice.

EXCELLENT video today Jane & Mike!! You've helped change my mind about automatic payments - I always said I wanted to maintain control over my Hydro, etc monthly payments however I've decided to set up auto monthly pmts for each. It also safeguards against paying even 1 day late and who needs THAT headache!! Looking forward to MANY more videos from you & Mike (I'm still watching all of your older videos 🙂). Thanks so very much!!

@FrugalQueeninFrance

10 ай бұрын

Wonderful!

Instead of calling it lazy , it’s more of minimal effort ways to keep on track.

Thank you so much for this content. Reading through comments always have good tips as well. Have a great day.

@FrugalQueeninFrance

10 ай бұрын

You are so welcome!

I counted out all my nickels in my change purse and put into nickel wrappers and it added up to $4. Next time I will wrap up all my pennies. That reminds me, I need to make sure I have some penny wrappers.

I have loyalty cards with Sainsbury's,Tesco and Co Op I'll use my nectar points for the Xmas shop. We have a penny jar for copper. Bit of advice guys don't use coinstar they charge you a fee.

@sjchan3199

10 ай бұрын

Yh we use a coin jar, so all 1p, 2p And 5ps go in. I have another jar with 20p in there incase i havt use a laundrette. Also a changejar when we empty our pockets. We empty these 3 x per year, we did this recently and got £36.

I'm totally the opposite as I prefer using cash. I do have one direct debit (not by choice) and my savings are transferred by eft the moment my wages are lodged into my account but for everything else I use cash. I withdraw every penny from my account, put some money into my other savings account, pay my rent and anything else that needs paying and the rest goes on buying what I need. Any money left over at the end of the day goes into my savings tin at home. I find it easier to manage my money if I can actually touch it.

👍👍👍

We have put all our loyalty cards on the stocard app, saves carrying them all around with you - just have to remember to take your phone with you!!

@FrugalQueeninFrance

10 ай бұрын

Thanks very much

I, too, have automated almost all my payments and automated savings. I have one bill that I still need to send a check (life insurance) but I'm going to check on that again. Good info as usual. 🌹

Good morning 😊

I have a smart meter but am not on a smart tariff as it’s cheaper for me that way, must look into whether I can still see my usage or if I need to be on that smart tariff. I’m with Electric Ireland so if any Irish viewer knows please reply?

@FrugalQueeninFrance

10 ай бұрын

I hope someone can share for you. We pay around 2€ a day of electricity.

💖💖💖

Not getting take out on lazy days saves a fortune!

On line banking is my go to these days. My husband doesn't like it, so he uses checks I put away dollars ,$1 bills to build up cash savings for special things that are not essentials but fun ( gardening and plants for me), or a mini vacation every spring and autumn.

@allisonspeer649

10 ай бұрын

Sounds like my husband...but he doesn't even use checks LOL. Last year I started saving $5.00 bills, just throwing them into a container, no counting, no looking inside, just tossing them in. From Jan to July I had saved $1200 to use to go meet up with my sister for a family vacation. I was shocked how much I actually had in the container.

It's funny, but I don't see any of these as lazy, but just sensible! Regrading supermarkets, I'm going over to a different one in the next few days to pick up some lower priced items using my loyalty card. Before my trip I thought I'd check the supermarket's website, easy touch of a button stuff.......which then triggered a series of further money off vouchers arriving through the post. I sometimes find that if I look around online, but don't buy, a discount might arrive, so can be worth holding off a bit. Could be counted as a lazy way to save, as I've not actually asked for the discount, just had a quick look about on a website for the products I'm intending to buy anyway.

@FrugalQueeninFrance

10 ай бұрын

Thanks very much for sharing

@katherinerichardson1767

10 ай бұрын

Yes, Not lazy--just sensible!

I regularly switch bank accounts. It's easy, just a click on the computer. All of my direct debits are automatically transferred over to the new bank. Banks pay me up to £200 every time I switch. I'm in the UK, not sure if this is possible in France.

@FrugalQueeninFrance

10 ай бұрын

Thanks for sharing

I wish we could view our utilities online daily! Our bills are auto deduct, I have auto deposit. I can look online in great detail. I use senior day with ten percent off in partnership with my groc phone apps. I always compare stores. At many stores, I qualify for a teacher’s discount of 20 percent. I like to keep cheater meals squirreled away, as well! I would never, ever describe you as lazy!

My Dad saves all his coins ans uses them to pay for his holidays. Last time he added them up he had over $3000!

I check credit card accounts, saving and checking daily to check for fraud. Due to cc being compromised. Utilites sends me a notice when due and when the payment post. As soon as a purchase on my 2 cc is made a notification pops up. Thanks for your ideas.

@marykappesser5145

10 ай бұрын

I check accounts daily also. Had an incident last year where someone ( very organized -probably a crime syndicate) created a similar but different email address, flooded my email with 5000 spam emails, then hacked into my bank and changed my email to the made up one. Next day while I was busy dealing with the email issue, they withdrew all my savings. I caught it that night before I went to bed. Totally freaked me out. Was able to recover money, but was a validation of checking accounts daily.

Our coupon situation here in the US is crazy. They offer us 480 coupons and we’re not allowed to download all of them but we have to sit there and look through all of them or search for the ones we want they will not let us download all of them. It’s a shame it’s taking me so much time to go through the app. I much preferred paper coupons and a paper ad. Oh well, they got a sucker us in somehow.

Here in the US ditch those little tags. Sign up online and use your telephone number..

@FrugalQueeninFrance

10 ай бұрын

You mean apps? Here you don't get the discounts/coupons/33% reductions without the apps.

@michelehagerman216

8 ай бұрын

You still use the app, but instead of having the little tag on your key ring, you just input your mobile phone number into the payment terminal. Or at some stores, you have bring up a QR code on the app for the cashier to scan.

What do you use a clothesline to hang clothes to dry

@FrugalQueeninFrance

10 ай бұрын

Yes I do, even in the winter on a windy day. We also have a wood stove in the kitchen and we dry the laundry over the stove in the wet cold winter.

@JennTheFrugalMom

10 ай бұрын

@@FrugalQueeninFrance what type of clothesline do you use

I love to use cash. When the internet crashes, what are people going to do?

@FrugalQueeninFrance

10 ай бұрын

Do you actually believe that the internet will crash forever and never return? I don't. There's no one internet. There's thousands of suppliers, servers, back up and reserve back up. The internet can go down for a few hours and we're fine. I'm not afraid of the future. I have, by averages, 20 years of life left and I'm not going to worry about things I can't change.

Hi, how do you get cashback?

@FrugalQueeninFrance

10 ай бұрын

You build up the cash equivalent amount on the loyalty cards then spend it like cash at the supermarket

I don’t really have coins anymore because I tap for everything nowadays, even the tooth fairy struggles in my house!