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I do occasionally get a takeaway, as I’m disabled and sometimes it can be a lot easier for me, than cooking. But the cost does really add up, so I’m trying to reduce this

Your practical approach to preparing for retirement is great

Reducing food waste is my biggest focus! Everyone is different - e.g. I always buy whole chicken if it's cheap because I can portion it into different cuts or roast it whole but all the extra bits make a great stock which I flip into another (really frugal) meal. My friend buys veg every 2 -3 days because she's conveniently near the shops and she uses every last bit up before buying more. She knows she's paying a little more but wastes nothing which is also a valid approach. I've heard it said if you eat healthy 90% of the time you can forgive the other 10% and I think food waste is the same - it's an attitude, a goal and you'll never be perfect! I have gotten better, which makes me really happy but I'm still learning and adapting and not beating myself up for any failures! Stop and think is also valid - for example panko crumbs here are really inexpensive and give a better result for the odd fried treat so I turn bread ends into salad croutons or feed it to my chickens. As I said, everyone's situation is different but it's lovely that we can all learn from each other. Cheers to everyone from Oz!!

Yes, people are addicted to convenience. BUT life expectancy.... My parents/inlaws only helped out /visited their parents the odd weekend or in an emergency. I am now in a position of looking after (with husband) 90, 91 and 94 people, one with dementia. Helping them to support independent living. How does this look? Hub does his mother's veg garden, something she did on her own till recently, takes her shopping, I take her shopping occasionally too, assisting with financial stuff, practical stuff (new phone to organise, landline and mobile, sorting computer/ipad issues). My parents come to me for a 5 day trip every month to give my father a break from his care duties, I am now visiting them for a couple of nights more often as well to help with things. There isn't ever a visit where nothing happens, always stuff to sort out for them. My parents didn't deal with this as life expectancy on the whole was less. This is one aspect I notice in the modern life. Lots of people my kind of age doing the same. Plus more people my age seem to be helping out with the grandchildren. It all takes time!

even though Im not a coeliac, my beloved Aunt was, I dont tolerate copious amounts of wheat, I can eat a little and be OK, I try and only eat a bit of sourdough on the weekends, my body soon tells me if Ive overdone it. I drink ACV water everyday which helps my digestion enormously. I try and go gluten free as much a possible, but the 'specialist' products are hideously expensive so this will be a definite try for me as a change for midweek lunch when you just 'fancy a sandwich' thank you both for the video

I think one of the best frugal skill is patience… wait for that seed to grow instead of buy plant, wait for food to cook rather than quick convenience 😊

If I don’t feel like cooking much, I open a can of soup, have a sandwich, or eggs. So much cheaper.

To me frugal is being mindful of my spending, having goals & being intentional. It’s about what brings value & enjoyment to my life & what doesn’t. I’m very careful with my money, however, I believe the occasional treat on things that bring us joy are vital! Xx ❤

What a positive community this is. I was expecting to see the "Ok, boomer" comments and things like "So you had it hard, and you want us to too? Why should we have to?" etc. Couldn't agree more with this video, and I'm glad to see these conversations being had because this info can make your life actually easier and much less stressful.

Great video. There's so many people out there with a "live for now, don't worry about tomorrow" mentality.

You are so right. I do not buy drinks. I bring my water. It cost ZERO. Great idea for a video.

You hit the nail on the head with this one, Jane! We have become and entitled, lazy society with no care for the future.

People are lazy now. My mother worked and took care of the house. I'm 73.

Watching this whilst eating my homemade soup, i agree with home cooking to save money for our retirement. ❤

We are retired and have a lot of hobbies we do at home. I always felt like I wasn't like everyone else, until watching your channel and others like it. Now I can relax and feel comfortable with my frugality. We don't live near fast food places and never have anyone do anything for us for comfort and ease except my hair stylist who cuts my hair and does my face and eyebrow waxing, since I can't see either without my glasses. You make a good point about everyone prefering to take advantage of the convenience of life. They won't realize their errors until they are thinking of retirement and discover they can't afford to retire. Great video!

A wonderful video (as usual) and it really hit home to me about having the time. I should be using ‘it’ as wisely as my income. I am 70 years old and it feels like life is hurtling towards the end point…..so it makes sense to make every moment count in the time we have on this amazing planet.

I cant garden yet this year due to a bad hip, had surgery to replace it last week. Really glad for the the extra vegetables, fruits, sauces, condiments, meats and dry beans we canned, dried, and froze the past 2 years 'just in case'. Save for those rainy days, for rainy days always come.

Wow! You sure ‘hit the nail on the head’ with your observations! I am frugal…..but I never really thought that we were being ‘sold’ the idea that we are too busy to do for ourselves these days. So true!!! We have been eased into this insidious way of thinking over decades, and now society feels entitled to do as little as possible for themselves (personally) if they have a job. I was really struck by your comments about mothers going to work a generation ago. My father worked full time, but there was never enough money for food, , clothing, school uniforms, dental care and doctors etc., My mother worked five days a week (Monday to Friday) as a domestic cleaner for people who ran local businesses, or worked full time. She walked several miles (each way!!) to go to these jobs….then walked home again to cook and clean in her own home. She worked for a pittance (just a few dollars) Boy oh boy, today’s youth has it good. Sharon from Australia 🇦🇺 🦘

Bravo!

Your thoughts are more than frugality, they're wisdom and good sense. Well done!

Wonderful video Thank you!

If people have no time it's because social media and email takes up all their time. There is one food I will always buy and not make myself - Tuna cause I hate the smell of it when I open the can. When I buy it out I have them load it up with onions so I can't smell it, however, I probably only eat it 4 to 6 times per year.

My daughter learned how to layer cut her own hair with a youtube tutorial. She also cuts mine and my husbands. Her haidresser used to charge £60 for a cut.

I often thought that my obese brother would have been so much better off if he had done his own yard work instead of paying people to keep his property up for him. After listening to your comments today, I looked back and realized his wanting other people to look after him, to take care of him, probably began when as a 6 year old he contracted polio and was in hospital for two months with an iron lung breathing for him much of that time. He was not expected to live but he did live. He was not expected to reach age 40 but he did. But he always wanted someone else to take care of him, and usually they did.

There's no hope! I can live frugally forever, but if im paying rent I'll never be wealthy or rich or a millionaire. That's the truth. Paying rent is what's keeping us poor not our daily living expenses. Rent.

Our mortage payments are over $2000/wk and younsay we can afford a house if we drink coffee at home. No home equals no coffee at home. You say people had it hard in the past, but really they always had a house. My grandparents were never homeless. Neither were you! When you live in a sharehouse, you don't have a fridge or food storage space to cook at home or eat at home. If you have a fridge you are the one living an easy life. All the coffees in the world, would not add up to a mortage payment. That's a crazy comparison. We had this discussion in Australia and it was debunked.

FYI: Your Comment section is not working properly- can type only when print is very very tiny!

My perspective: every budge, including home budget, t is a moral document; there is a moral aspect to conveniience/comerciism/self serving ...it is at the expense of those in a lower socio-eco level who 'serve'' directly or indirectly out of desperation tp simply live! Altruism is the moral glue of society! Yes, we ARE our brother's/sister's keeper/ and live in a global VILLAGE! Yes, convenience et al is causing the internal rot of society! Yes, I was part of that despised lower class of 'servers' and I KNOW! and have walked in the shoes of the disenfranchised! AND it ALSO KEEPS YOU BROKE!

Oh my goodness, yes!! I was just thinking about this very topic because I have seen a lot of ads for a robotic mop lately, and the ads promote this very way of thinking: that you deserve it. I cringe whenever I see these ads!

Early in my 30’s I struggled to keep a house and pay bills. It was a great lesson! I knew from that year I never wanted to live like that ever again. For over 30 years I put paying my retirement fund first, then necessities came next. I keep logs on spending and saving. It paid off for a comfortable retirement. Yet, I observe young families eating out. Newest local trend, a tea shop. Five dollars or more for brewed tea, various flavors.Hmmm, not for me. However, driving by that new tea shop are cars backed up for drive through all hours of the day. Tea shop owner must be very pleased. You are right conveniences are budget killers.

Another thing: if you're paying someone to do things for you that you could do yourself, you are buying your ease and comfort at the expense of the person who provides you those things. That person has to spend his or her precious time on Earth working and sweating to provide wants for someone else's convenience. Most folks who provide these services are part of the gig economy and they are minimally paid for their work.

Wow best video ever. Thank you soooo much Jane and Mike. Love your content so much. ❤❤

Just ran some compound interest calculations: if you saved the money from a $25 a week coffee habit over thirty years ($1250/yr) and it accrued 4% interest as the pot grew over that same period, you would have nearly $75,000 -- about half from savings and half from interest. And that's assuming the price of coffee never goes up. Small habits equal big changes!

I enjoy little luxuries. It's what keeps me sane. And by little, I do mean little . The best coffee beans I can find, quality ingredients for our meals. We do go out to dinner 2 times a week on average, but I plan for that, as part of my budget. I enjoy being home, home making, but I also enjoy going out with family making memories. My husband passed away over 15 yrs ago, at age 57. He was extremely frugal. After he passed and I got my finances settled, I planned trips to Europe ( I live in the US) planned a year in advance to take advantage of much lower air fare in business class. . They were my dream trips. I have been hit hard currently with major home repairs this Summer, but that's why I have an emergency fund. I always keep adding to it. Being careful with finances should also mean living life.

This was awesome Jane... I hardly ever went out for food until I was about 30 years of age.. Then, I had off and on periods. I studied and worked weekends until I was 19. Then I worked 8 hours a day and studied at College and University part-time until I was 32. There were about 3 years in there that I also worked a second job for about 3 hours a day for 2 days during the week. After that I worked 8 hours a day 5 days a week until I was 40 when I became disabled with more than one illness. I have been on disability since and I am 61 years of age now. My downfall is eating out for about 4 euros a day for about 5 days now. I have been doing this for approx. 4 years. I have no debt... my mortgage is payed... but I really can´t afford it... between being a widow and having very many disabilities now, including fibromyalgia, arthritis and cardiac insufficiency I really can´t afford it. I take babysteps in regards to this. One step forward two steps back. My willpower is up and down. All I can say is please keep me in your prayers.. Izzy, a Canadian living in Portugal.

Right on target! I have to be waxed by someone else too!! Lol

The other day both my husband and i were feeling exhausted..we always cook from scratch and cant remember the last time we got takeaway. I was so tempted to do it but after talking about the cost and usually the food is sub par we decided on a toasted sandwich and some soup from the pantry. We rustled this up in no time and although i felt really good about it and it was healthier too. Enjoyed the video 😊

I'm Generation X with Generation Z children. They aren't lazy or spolied, but working hard and saving in order to exist in a world of the unattainable created by their elders.

Totally agree. I tell myself that my hobbies are taking care of my health, cooking from scratch and having a veg garden. They are more than hobbies, but it puts me in the mindset to enjoy it and i dont feel i need all the time saving services available. I covered the inside of my pantry with cut out beautiful photos of vegetables, veg gardens, walks in the mountains, beaches, people baking bread and bowls of hearty soup. If im tempted to think i deserve a trip to a nail salon, expensive takeaway or some such extravagance ive been opening my pantry and reminding myself of all the goodness ive got as a reward already.

Great tips! My family doesn't really like canned veggies, but I do buy canned beans for quick use when I don't have time to soak, and canned corn. We always have frozen corn, mixed veggies, and blueberries in the freezer as well. I usually freeze any pumpkin puree if the recipe I use doesn't call for a whole can.

We're older than you and Mike by several years, and not in great health. Most of our life I cooked from scratch, and still prefer to, but am having to adjust (both in meal planning and shopping) to our current circumstances. I've made a list of easy to fix and eat meals, many of which some of your viewers would disapprove of, like peanut butter and apples or baked potatoes (with only the easiest of toppings). I do need more ideas for days when neither of us are able to fix. One of the hardest things for me is to restrain myself at the grocery store from buying loads of produce.....Carla H.......P.S. You were right on target about the high cost of convenience and the mistaken notion that modern women have less time than previous generations.

I have a very dear friend who never learned to cook and refuses to do housework because she considers it a representation of women being suppressed by society ( her words, not mine). She either goes thru the drive thru, or orders delivery. She will not even microwave food if she can help it. She has a cleaning lady to clean her 2 bedroom condo. Manicures and pedicures and daily drive thru coffees yet she cries broke at every turn and can’t retire. We both turned 60 this year. I retired last year, mortgage and debt free. Never had a cleaning lady or food delivery. She stated she’ll have to work to at least 67 and is unhappy about it. You are right, it’s all about choices.

I make a lot of jam. When I have extra jam to use up , I use it instead of sugar in fruit puddings such as crumbles and compotes. Gives a lovely depth of flavour. Any veg nearing the end of its life i chop and put in the freezer ready to throw in a quick soup. Leftover cooked potatoes become either sauteed potatoes or potato salad the next day.

So true! I never went out to eat as a kid we couldn’t afford it. I don’t go out now. I choose other things for my $. As you say debt free, find your retirement, have an emergency fund.

I will be 70 end of July so I am a baby boomer. During my growing up years we lived in a small rural area. No delivery of anything. We made our own pizza at home, drank water, milk, or Kool-aid. My parents grew a garden so at the end of the school year we canned, made jams etc all summer. My Dad was retired Navy but then worked in a factory. Took the only car we had. We didn't think much about it because nearly everyone was trying to live frugal.

Everything you highlighted here is so true!! Thanks for another great vlog 😊xx

Great video