Low Income Woman's Frugal Living Secrets (Frugal Money Chats Series #1)

In an ever-changing world filled with financial uncertainties, uncovering the secrets of those who have mastered the art of frugality is crucial. Join us on an insightful journey into the life of a low-income woman who has perfected the craft of stretching her dollars and living a financially savvy life.

This video isn't just about scrimping and saving; it's about thriving with purpose. Low-income women often possess a unique perspective on life, valuing the essentials and finding joy in contentment and simplicity.

This will inspire you to reassess your own spending habits and embrace a more fulfilling, mindful way of living.

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I’m so very happy to have you here. We are all about saving money at Frozen Pennies. Whether you have a goal like debt freedom, purchasing a home, retiring, or just making ends meet, we are all about making that happen. Here you’ll find tips on saving money on groceries, ways to tweak your budget, and living an overall frugal life (all while having more fun)! Thank you for supporting my channel.

About Sara:
Sara is a wife, mother, and creator of Frozen Pennies. With a degree in English, a former teacher, and a Certified Financial Coach, there is no better place to learn about debt freedom, budgeting, and overall frugal living.

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DISCLAIMERS:

- Links included in this description might be affiliate links. I may receive a small commission if you purchase a product or service with the links I provide at no additional charge to you.
- Information on this channel (Sara Conklin, Frozen Pennies) only represents my thoughts and opinions. I am not a medical doctor, medical professional, or financial advisor. However, I am a certified financial coach. All content on this channel is intended for entertainment, informational & inspirational purposes only. Don't hesitate to contact a professional with any questions. This video and all videos on this channel are a means of social support.

[katehorrell]

I too am on a low income of $1100 a month, I'm debt free No mortgage, No car payment, No credit card debt. I had found a frugal living video last yr that changed everything for me. I didn't realize that I was already doing some things already like "no spend weekends" I have made them into "no spend months". I changed my grocery shopping from "trying n failing monthly hauls" to weekly shopping n saving money. I started last July setting up a budget n having sinking funds. So far this has helped me save almost $4000 since I started. I got a lot of my bills lowered to the bare minimum, like internet, home n car insurance, phone, etc. and that really helps

[Shawnsatisfiedwife]

No elderly person should be low income. We really do need to take better care of our elders

[javaskull]

Anytime I find myself feeling anxious about money, I stop and say out loud: I have enough. And I really do.

[catmoore]

Anne has found the answer to life: Gratitude. You don't need a lot, you just need enough.

[dragonfly]

I am surprised to see some comments here that are criticizing some of Anne's lifestyle preferences. Obviously her choices are working for HER...even if someone else might make different choices. Her life is full--she is happy, and she's got it all covered. THAT is all that matters. Her life, her choices. Some people can't resist passing judgment on every little

[dizzysdoings]

There's a verse in the Bible that says, godliness with contentment is great gain.
My Dad used to buy a rotisserie chicken and some lunch meat every week.
He based his meals around the chicken.
He also cooked the bones down and made soup.
He was still doing firewood at 91!

[DJP]

As someone who is in pet rescue, I would like to extend the suggestion that if you would like to have a cat, but can’t afford one you might think of fostering. Pet rescues always need foster homes, and they supply the litter and the food and the medical. You supply the love, the socialization, the pets, and the safety of the animal, until it gets adopted..
also, there are shelters and some rescues that have food pantries for cats and dogs .

[ruthterry]

Thank you for sharing Ann’s frugal but happy ideas. My husband and I are retired and live in a very expensive area on a small income. One thing that I do that has helped is to study the store ads each week. I make my grocery list by choosing to make our meals based on the lower priced items. When I tell others how much I spend on groceries they are really surprised. And we don’t eat out…doing so would eat up our budget too quickly. We could get jobs for seniors and ease the money issues, but we rather spend our time doing things for others. We have many friends older than us (80s and 90s) and we help them with yard work or techy stuff or just cooking simple things to share. “Giving makes us happy.” Acts 20:35

[MarvelousMichigan]

I love animals and have always owned a dog but this cost has become very expensive for senior dogs. So now I foster! The rescue provides free vet and pet supplies. Yes, the dog is not mine but the companionship and love is priceless

[serenityb]

Before the pandemic, I used to go out 3X a week. Cheap places, so I didn’t think it was bad. Once we were in lockdown, I had bought ingredients for my slow cooker. The amount of money saved blew my mind. I’ve ordered pizza twice since, but still cook at home. It saves so much money.

[enidkarrenberg]

Ann needs to utilize her completely free public library! They have weekly programs and lessons on so many topics. Plus videos, 📀, music, magazines, newspapers & of course all the 📚 her heart desires!

[jimmiepatrum]

I loved this video. Please give us more of these personal stories, especially those of folks living on a low and fixed income. I am 77 years old, widowed, and a former accountant, living primarily on Social Security. So I'm an eternal bean counter! I also prefer to have my bank statement mailed to me. I want a hard copy record. I rarely write a check, preferring to use my bank's online bill payment service. I look at my checking account on line every single day. Budgeting is extremely important. Also important are meal planning and looking for frugal ways to live without deprivation. As Thomas Jefferson once said, "Most folks are about as happy as they make up their minds to be." That mindset and looking to God for peace in all things is paramount. Diane in NC.

[banditdog]

Sounds like a lady who has an abundance of "common sense" which seems to be rare these days. Retired, debt free, four dogs and on a fixed income and very happy with my life.

[joanscroggins]

I’m on a fixed income here in Scotland but I’m from America. My disabled husband and I live in a senior apartment complex (I’m 64, he’s 69) and we seem to do ok with finances. We buy things like chicken in bulk when it’s on sale and freeze it, I buy most of our hygiene products (soap, shampoo, shaving foam, etc) at the U.K. version of Dollar Tree, we’ve never been fans of eating in restaurants but we do get takeout fish & chips maybe once a month. We also use the local library because I’m an avid reader and books can be expensive. We don’t have a car but anyone over 60 can get a free lifetime bus pass. It’s really about making good choices as older people.

[J---L]

Fostering a pet is another great option to afford a fur family companion at any age. Many shelters also allow seniors to be permanent fosters so they do not pay any pet or care fees

[theresaakin]

I have a friend who is also on a limited budget. She lives in a one bedroom house, about 400 square feet. She has a great landlord and asked the landlord if she could put out a garden in the back yard. It isn't big but it helps to sustain her pantry. She shares it with her landlord also. She cans and freezes. She only grows what she likes. She is also a seamstress and crafter. She takes in any old clothing that comes her way and upcycles. Her landlord takes care of the lawncare. Her car is paid for, only carries liability and usually only drives to visit her family on special occasions. Her family helps to maintain her car. There are ways. Her son pays for her internet. She makes use of packages of multiple pieces of chicken and lots of ground beef She'll buy a large inexpensive and cut up for stew meat. She makes her stews and soups for freezing for later dates. She grows carrots celery, potatoes, green beans, tomatoes and onions. Things that make multiple dishes.

[tmauaus]

Kudos to Ann and anyone else who lives a frugal lifestyle, either by choice, circumstance, or economics. I am 65. I live in a share-house of 5. 4 young people live in the main house. I have the unit/apartment out back divided by a courtyard. (I share the kitchen). All expenses are shared x5. The utilities are discounted/shared thanx to my pension. Never in my life did I ever think I would live in a shared house at this age, let alone find a rental such as this. Living independently was/is a $truggle (even when I could afford it), living in a shared house as a retiree is doable.

[jds]

Living below my means, saving since I was young, and living debt free. These goals help make the tough times not as painful.

[rebeccadelbridge]

I am on a low income (single parent on disability), and i believe i have a great life! It may not look like what others would think of as 'success', but we are all happy and manage to get everything we need, along with small but rewarding wants.

[hh]

I’ve been able to save money by making my own bread products, tortillas, biscuits. Dough can be made and extra dough can be frozen, parchment paper and foil. I stopped eating pre made products, like boxed cereal, boxed pre made mixes for waffles, meats, canned soups, etc. I make all my own from basic foods, grains, meats, veggies, fruits, etc. Making things from scratch takes more time but I’m retired, live in a 300 sq. hotel room. Other budget items are public transportation, utilities, rent, pet care, internet, phone, exercise (pool, conditioning classes), I don’t use any drugs (pharma), I don’t drink alcohol. If I can stay healthy I can get by with less income.