Five Rules I Follow to Help Me Stick To My Budget #budget #frugalliving #costoflivingcrisis

Want to know a frugal secret? There are no secrets! I have five frugal rules that I follow fo you to think about.

Link for budget book on Amazon:

Frugal Queen in France

We are a British couple living in Brittany on a budget.
Frugal recipes, days out, home renovations and day to day making do in France.

We’ll give you hints, tips, advice and an insight into our life in France.

Equipment used
Camera : iPhone
Editing : iMovie on a Mac mini

Music:
YouTube Copyright Free
Epidemic Sound

YouTube Audio Library
Apple iMovie*

[Lilou-yz]

Dear Jane, writing a budget every month of every year since 2001, helped me being mortgage free last week. Thank you for sharing this very simple rule.

[annbeth]

Times sure are degenerating. Keep a positive mindset. When things go wrong, we have one problem. If we get unhappy we have two problems. ❤

[maryb]

The fact that so many things went wrong and you discussing that helps us to realize that we ALLneed to budget for the really unexpected as well! Thanks, Jane and Mike

[janetstonerook]

I am now recording every penny I spend and it helps a lot to see where the money goes. I take a few minutes after I get home from shopping and break down my supermarket hauls into categories like my food, pet supplies, household cleaning products and personal supplies.
I was surprised to see how many non-food items I was purchasing and realize I need to tighten up on that a bit. On the other hand, my food costs have gone down drastically in recent months since i began an intermittent fasting lifestyle! I'm eating much healthier in general and much less of the costly snack foods!
Your channel inspires me greatly. I hope we get to see more of your outdoor gardening and yardwork efforts again this summer! 😊

[cynthiablodgett]

I've used the envelope system most my life. When we took out our window air conditioner last fall. We realized we need a new one. I started an envelope for that. We bought the air conditioner and the leftover money went into our savings. At the end of the month, if there is any money left in my envelopes. It goes into my savings and I start over. Proud to say, these last couple of months. I've had leftovers. Just love your videos. Thanks a bunch❤

[lynngudgeon]

Thank you both for breaking everything down. I have watched so many videos that at the end I'm more confused than before I started watching. I really enjoy how you keep it simple but useful.

[elizaC]

Great video you two. Really budgeting is a necessity for being able to live a less stressful life.

[gladyschandler]

I use my calendar: things to do daily, appointments, birthdays, expenses due, etc

[patmartin]

February was my Murphy month when everything came all at once. Thank goodness I learnt about sinking funds from your channel they take away the stress of Murphy’s visits. 😊

[traceyelliott]

I love learning this common sense approach to budgeting. I hope you know you two are really helping so many of us!❤

[jimmiepatrum]

Good video. Happily, I practice all the rules you mentioned. I especially like knowing where the money is coming from for an upcoming expenditure well before it happens. The only thing I do differently from you is that I check my bank account and credit card daily. I do use a cash back credit card because I know that I am disciplined enough to pay off any charge I make weekly. Still, I'm thinking of stopping to use my credit card because I don't like owing anything even for a week. You are such an inspiration to me. Many of my friends don't see the value in keeping close tabs on their money, but I can always count on you for encouragement to do that. Diane in NC

[rachmc]

I still use a calendar, helps me remember what is coming up!

[carolynm]

After my husband’s 2 week stent in the hospital last year, we knew we needed to add an amount for sudden adjunctive medical costs to our Emergency fund (particularly for feeding me in the hospital, parking, buying needed items like a pill cutter etc.). Insurance covered all of his medical but not these bits. We were prepared when he went into the hospital this month for a quadruple coronary artery bypass graft.

[CentsibleLivingWithMoneyMom]

Jane, you have such a positive attitude.

[cm-nj]

We always do a no spend January - it actually feels refreshing after the holidays are over. Some years we do no spend July, too. I have been toying with the idea of doing no spend week every month. That would equate to 3 months' no spend in a year - that should make a huge difference in our bottom line!

[muttersmenu]

Great pep talk Jane, you both are well organised on the budget front 😊.

[lynnestait]

after a career in banking before redundancy I got used to checking the accounts daily, so much quicker & easier now with apps, especially as Im POA for my elderly parents so Im responsible for their accounts and outgoings as well as our own, I run a daily paper diary and wall calender too so now where Im at at any given time - mortgage finishes in October, retirement next year, those 2 keep me focused :-) thanks for sharing your Murpheys Law visit, it happens to us all, no matter how well we plan

[caroldaviddaviejohnson]

All excellent advice, and I too do these things, I like things done in pen and ink in a budgeting book. It's helpful incase the Internet goes down and we can't access any detailed budget online. Checking bank accounts is a good idea, sometimes supermarkets here have taken double payments by mistake from peoples account, which has caused some customers to go overdrawn, so checking the payment has left your account correctly is important to help identify a problem asap.

[ebikescrapper]

Make a spreadsheet of your expenses and work it out every month, 6 months and year. Add 10% to to your monthly total expenses and keep your monthly total and the 10% in a high interest account.
Make your own cleaning stuff.
Measure the amount of water your mop bucket holds and only add the amount of detergent you need. All chemicals has a data sheet be which tells you the diluation rate
Unplug all appliances after use
Ask coffee roasters if they give away free bags, the bags the coffee gets delivered in and use the bags as rubbish bags
You can use less than the recommend amount of washing machine detergent and still get clean clothes

[LibAlcock]

Reviewing your spending really opens your eyes and helps you realize how to improve your spending. And just when you think things are going well, Surprise! Hello Murphy …Repair bill, dental bill …❤ 🇨🇦