20 Frugal & Money Saving Tips 💰 These Changed My Life

Save money fast and more importantly, change your mindset about money. Here are the steps I took to go from BROKE to FULL FINANCIAL FREEDOM (and it wasn't about making more money).

I know what it's like to always be behind financially and never have enough money, but I promise you, if you TRY these tips (especially paying yourself 10% first), your financial situation will improve, no matter how broke you are right now.

Podcast Channel on Youtube: @ClutterbugPod

#frugalliving #savemoney #getrich

00:00 Introduction
01:31 Money is a tool
02:19 Never pay interest on credit cards
03:00 Pay yourself 10% first
04:16 Save all BONUS money (tax refunds, rebates, cash gifts etc)
05:13 Invest your saved money (once you have saved a bit)
06:16 Make a budget
06:26 Use a free money-tracking app
06:46 Use cash
07:05 Watch and read finance tutorials
07:35 Buy second-hand
08:25 7-day no-spend challenge
09:00 Meal plan
09:22 Eat from your freezer
09:37 Meatless Mondays
09:55 Make your own snack foods like cookies and treats
10:06 Evaluate subscriptions
10:33 Negotiate service plans
11:21 Wash laundry with cold water
11:48 Wash clothing less often
12:13 YouTube University

[Bergenn]

Just reached 21.000 after 1 year of savings and now 3 months of steadily investing in ETF.
Can't wait to reach 100k.
Zero debt, zero credit card ever.
Piano teacher

[lenettasmith-murray]

Last month I did a 30 day challenge where I bought no groceries & just lived off my overstocked pantry. Never missed going to grocery store. I hate going to the grocery store. I'm so proud of you for standing up for yourself. I hate confrontation also.

[kaydiangel]

My husband works 20 hours a week, he makes $13, 200 a year. I'm disabled and pregnant with our 2nd baby. We live on very little money, but we are Debt Free. No rent, no mortgage, we live in a RV with very small bills. We spend all day with each other and our kids. He works 3pm -7pm Monday to Friday. Only 4 hours a day. It is nice to be free and spend the day outside in nature together. We are saving to buy a house in cash, I dont trust bank mortgages or credit cards. Being frugal with money helps us live comfortably with very little money.❤ Thank you for all your knowledge and wisdom!

[girlonaswing]

I'm so proud of you for taking a stand for the kids!!!! Yay,
PIT POLICE!!!!

[rebeccasourpuss]

"That's not nice!" is the most Canadian thing ever.

[lorimetzler]

You are amazing. I’m 63 years old, but learn from you with every video you put out. You inspire. Never forget that and please never stop❤

[djenkins]

There needs to be pit security at concerts. Bullies know most people hate confrontation and will get away with it. I think it’s great that you and other parents stood up to the bullying!!!

[jenniferrosenthal]

We wear jeans 3 times, use towels for 3 days, pajamas 3 days! Thank you for bringing it up because it blows my mind how often people wash things that don’t “need” to be. I do change out hand towels and washcloths daily

[instagamrr]

It occurs to me how many of us have to re-parent ourselves as we get older and teach ourselves how to live life better. I’m going through this right now with cleaning (hello to your channel!), food, and relationships. And money too lol. It never ends! I love that people like you help out the rest of us when you’ve figured out part of the journey.

[judyellen]

You know, Cas, people don’t talk about reusing towels or wearing clothes more than once or washing on cold.
All great points! And money savers.
Kudos to you for taking a stand. Very brave.

[karengoetchius]

I don't know if you will see this comment, Cas, but I hope you do. I've been listening to you for a couple years now, and I never knew that you were homeless as a teen. Can I just say I admire you like crazy pants?? Think of the turnaround in your life - from not having a home, to helping so many people like me make their homes beautiful. You are such a gift to this world and I'm so glad you never gave up. Thank you for pursuing your passion, and helping to make beautiful homes for thousands of families. ❤️

[csd]

Dear Clutterbug, I've been working in restaurants as a server for most of my life. It's perfectly ok to let them know that they gave you the wrong food!!! In fact you're helping! Just to let you know! You're wonderful and I enjoy your content!

[brittneyisphording]

Another positive reason to shop second hand is it is SO good for the environment!

[MaureenOLeary-tzkt]

I used to have a car payment of. $130 a month. My car’s paid off but I put that $130 into my savings account each month for my next car.

[BackroadMoney]

I'm so happy for you girl, having money in the bank is a game changer! I only spend money on Fridays, it also makes me think about my purchases and most of the time I decide I don't actually want whatever it was.

[Lisa-jmnk]

You are my heroine Cass, standing up for what is fair, and defending people who stand in line, and doing it with civility. This is the most Canadian thing I have heard today. YOU RULE.

[stkatri]

Good for you for standing up to bullies! Glad it worked out and you had fun!

[annmerchant]

GREAT end story, Cas. Good for you, girl. Proud of you.

[Pam-]

I’m proud of you for standing up to the mosh pit bullies! I have a tip for sending the wrong food back. Just say “ this looks really good. I bet the person who ordered it will be upset they didn’t get it.”

[chanelle]

😂I had the exact same situation when my daughter was little but we were in line for a t-shirt at an NSync concert! A mom pushed my 10 year old out of the way and tried to cut in front of her. I stood my ground and to this day it is one of the memories my daughter talks about and says “don’t mess with my mom!”