How to live below your means :Tips to help you save

Living below your means is simple, so why do so many people have difficulty doing it?

The tips I share in todays video are the fundamentals to being able to save money and live below your means no matter what your income.

They definitely work because I use them all and live well below my means.

I hope you find something useful that inspires you and helps you to live below your means and save more money.

Rowena
xxx

[QuiltingCrow]

Due to a severe sickness and disability, I have been at home since september 2019. I mean, inside the house (Corona lock downs....hahahaha!). During these 2.5 years, my husband and I completely changed the way we spend and safe money, and we were able to safe a very high amount. All I wish for is a home that is completely accessible with the wheelchair! I am overwhelmed with what is possible if you really focus on saving, and I am so thankful for YouTubers like you who share their knowledge and experience.
We often get asked "...and when do you want to enjoy life?!", but the truth is - I need money to enjoy my life again! Wheelchair-accessible flats and houses are often new and therefore expensive.

[mysustainabilityjourney]

In England, we have a 'credit score' system which looks at your debt and whether you pay it off, then the banks are happy to give you even more credit. The banks make money on credit, they do not make money on people who save or who live within their means. Thank you for your very positive videos. I have a pen and paper ready every time I watch!

[desiringless]

I hear you on the pre approval application. When we looked it came back saying you may have made a mistake as our expenses per month were below the average for our demographic in our late 40’s no dependants. They said the average expenses range is 3.5k to 6.4K per month.. wow. We’ve alway been frugal and have healthy savings, and a small mortgage. However I will spend on things that I feel adds value to me - for example, I’m wanting to put in a pool which is a huge expense but it’s something that will add value to my life, whereas I don’t spend on clothes I don’t need, decor, general shopping and take out as those things don’t add value to me..

[mariafernandaaguila]

Hello Rowena, Great video, really interesting, congratulations 🎉🎉🎉🎉🎉🎉🎉 thanks for everything..🎉🎉🎉🎉

[sp]

Great video with wonderful content! By the way your hair looks beautiful with your diy styling and coloring❤️

[ljb]

Great tips, I love my Sunday batch cooking, makes life & meals so much healthier & easier each & every week.Game Changer.
Have a great long weekend 🧡🍁

[bels]

Thanks.... I really enjoyed this!! So much of what you said really resonated with me. We have been questioned previously by a bank that we were organising a mortgage with, as our spending records indicated that we were spending way below the average.

[victoriajohnson]

Doesn't feel like depriving if you have a strong enough push to end goal and also learn to get creative on being frugal in your fun!

[barbarahughes]

Another really wonderful video Rowena.I look forward each week to see what you have posted.

[TheGrimPhreaker]

There are def situations where eating healthy are EXTREMELY expensive, especially in food desserts, but I love the idea of bulk cooking!

[michellepaul]

Hi Rowena. Loving your videos. Thank you 🙏🏻

[RealwithAida]

The “dying” part is a question I ask all the time.

[liztoth]

Well done. Going against society’s trends isn’t easy at first, but well worth the effort!

[victoriajohnson]

My struggle is increasing my means. With chronic disabling pain from car accidents and my refusal to do government aid, means are always small.

[dawnreynolds]

Yes we don't take major holidays, we do instead go visit family a few times a year in a larger city, and our family come up and visit us once a year, we live in a small desert town my sister had said it's like visiting us in the country lol. We also during our visits have great family pot lucks. I to cook and bake once a week. I to use my instapot, and slow cooker so I don't have to turn on the stove.

[football_editz]

Another very inspirational video, you 😊 Did you learn any frugal tips from your husband? I think you have said he is from another country and I'm curious if he had a frugal background or if you were the more frugal one when you met?

[kevinrehberg]

Living a minimal lifestyle doesn't have to be difficult.. It's the mindset adjustment that has to come with it that is difficult to get used too. The GF and I buy in bulk to save money AND time.. Taking the time to re-package is less time consuming than going to the store weekly to get re-supplied and you save the weekly trips in gas expenses too.. She/we drive her 14 year old car and I also have a 37 year old P/U.. The vehicle payments I DON'T have to make goes into investments since I already have well over 6 months of expenses set aside in a CD Ladder/Emergency Fund (its supposed to be for emergencies right?)

[ariesenergy]

I often think of this...I examine the cost of something vs how long it took me to earn that money for said item. Trading x amount of hours or days for said item.

[travelgirl]

As far as being helpful, the Commonwealth Bank is by far the worst. I went from earning $2, 000 net per WEEK to earning $500 pw on a Carers Pension looking after my Alzheimers mum. I did deals with all the banks l had debts with and believe me, earning less and being in a tight situation got me debt free quicker than any way l know. Except for CBA of course. 😂 But then....My brother died in December and my mum died 10 days later which left me with property. A high price to pay. Very high and l would rather have not if l could change it. But there it is.
However, l really believe there has to be a balance. Travel is the one thing we do and see nothing for it, only the memories. As a nurse l remember looking after a 40yo guy and had this discussion. He said he worked like crazy, saved his money, paid his mortgage off fully and was planning all these things he had been putting on hold. And then came the accident. Quadraplegic. Lucky to be breathing on his own let alone checking out London Bridge. There just has to be a balance.

[patfume]

This person who works in the bank is definitely not living bellow his means 🌹❤️👍