I’ve been earning a small amount by doing guided tours of my home City via MeetUp it’s not a lot but it is a hobby that pays for itself….

Another very interesting albeit slightly depressing video. I am planning to retire in May next year at 64. I have been dreaming about cocktail bars and lovely meals out etc but what you seem to be saying is forget all that and get yourself a scrabble board and have a few cans at home. Its the stuff of dreams 😀

Great to see how your channel / subscribers are growing. I started listening to you during pandemic … I retired in ‘22, moved from Montreal to Vancouver island. Soon, Vancouver. Rent is sky high but I stopped eating out. I’ve always paid credit card in full every month. Will return to teaching part time bc I want to …

hey

I love your videos! I have been watching them for a few years. I always learn something new. I am a single woman, in my late 50s. I have lived on a moderate income for years and always found frugal and creative ways to enjoy life. One strategy for eating out frugally, is ordering a salad and sandwich with my girlfriends and sharing it. Picnics, libraries, walking, kayaking, biking, accessing the local libraries, cheap local theatre, as well as entertaining and exercising at home are all simple cost effective ways of living. I got rid of my cable and landline 12 years ago. I have Netflix and a Roku stick. I am from Canada. I have Chatr cell service which is $45 (tax incl.) a month. I refill my water bottle at home. Thanks for your wonderful advice. I will be selling my home for my retirement fund as well. Happy summer!

👍👍✌️

We go to a free gym at a senior citizen center that's free too. It has state of the art weight resistant machines using air pressure rather than weight disks. Also trained center attendants, is owned by our health insurance Co. but any older adult can attend. Other classes , card games, puzzles, movies, and invited speakers are there too.

By the end of the year Knock wood I will have cleared my debts. Its taken me about 18 months but I am so looking forward to seeing zeros in my credit balances!

I really dislike Fast food… it's the worst! I also do not care much for restaurant food… If I go out for a meal.. it's for the atmosphere, Music, chatter, or view, And since I don't care for food that is mostly "mass produced" frozen and reheated in a microwave… with a little garnish that might be fresh… so yeah… YUCK! When I go to Hawaii… I stay in a condo with a nice kitchen… and I eat all meals IN! Saving hundreds of dollars! For exercise my town has a Senior Center to go play games or do puzzles and also choose from different exercise classes… so yeah… Free ! Annually there is a donation drive.. but otherwise it's free.

I really like you guys, good advice and I have been doing it, one thing if I may disagree with you. I use my credit card to pay for everything. I then pay it off each month so that there is no interest charge. It is a rewards card so I get 2% back in the form of gift cards from retailers. Good way to buy clothes like Pink Floyd shirts. I have to say that I would go for Ozzy Osbourne shirt. If you are not structured enough to pay off your card monthly then stay away from credit cards.

We do not have any fine dining restaurants in our community and we probably eat out about once a month, but you really tweaked my interest with saying you make some good meals at home. What is your favourite recipe or meal to make and would you mind sharing it with me.

Learn to cook world cuisine. Grow herbs in your garden. A nice bottle of wine. Cheap, productive, satisfying.

I’m a new subscriber. You guys are witty :).

Imagine almost $100k in student loans from a child’s recent university and a $200k mortgage at 60 without a regular salary. It makes drinking at home a temptation and a peril. Gyms and restaurants do suck up money and time. Buy a bicycle for sure.

Your videos are keeping my hope alive. I’m stuck in a hole at 60. Funny also how you mentioned Madeira and Iceland which are the two places I plan to visit this summer.

This was probably already somewhere in the comments. Couldn't read all 675, but some money sinkers in my observation. I was a frugal person emigrated to the US from the NL, via Montreal Canada in 1984. Here is where I see people spend/waste a lot of money.
1. Cars. Lots of people buy large, expensive, new cars, on credit (I've bought exactly 1 new car, a VW Jetta (Golf in CA) Sportswagon) because it was cheaper than buying it used. And as it turned out with the Dieselgate scandal. After 2.5 years of owning the car, we got about $2,500 more back for the car than we paid for it. Our latest car, a Honda Fit 2011, increased $4,000 in value on the last year as we are selling it to Carvana in 2 weeks. Go figure. Luck? Yes, mostly. Did I tell you that we're moving to Portugal in a few weeks.
2. Cable TV subscription (slowly making room for streaming services)
3. Superfast Internet service. We had the choice between 100 Mb/s or 1 Gb/s. for $20 more a month. Since we came from 12 Mb/s which was more than adequate, we saved the $200
4. Cell phone plans. Do you really need that unlimited data plan? We constantly shop around and have gone with Consumer Cellular, Google Fi and currently Tello. All had excellent service and currently we're paying $10/month for 1 GB of data. More than enough, considering we have internet at home.
5. Cell phones. >$1,000 really, what if you break it (my biggest fear)
6. Brand name buying everything. There is a premium to buy fancy brand names, not talking Gucci, but Nike or Patagonia etc. I buy most of my attire at Costco, best value for money.
7. Coffee out.
8. Eating out.
9. Drinking out.
10. Unused gym or club memberships.
11. All the things I forgot. Anything obvious?

A lot of these things come down to putting in the time, doing research, doing the legwork. I think a lot of people aren't willing to do that or just don't have the time with their 2 jobs or long hours at the one job. I always look at trying to reduce reoccurring payments.

I was lucky to get my education in the Netherlands where it was basically free.
Now that we've saved, invested and grew all that money, we need to learn to be generous to ourselves and others and spend a little more. It's hard when you've always been frugal. It's a process. Any tips on that?

You had me at "drink at home." We're gonna get along just fine. 😊

Great tips, I’ve been doing most of them my whole life and it does pay off.
Ps I’ve got what is considered the finest dark side CD pressing (Japanese) ever made ( cost me a few bucks for that one ( $50🇨🇦 10 years ago ).

On credit cards; if you can find one that pays you in cash points, and/or has a 0% rate for a period of time? I see no reason not to take advantage of those deals and let your money gain interest in an account.

Agree with all of this. Getting set of weights is great idea. Also, in my 30's I discovered work out videos. I have about 40 videos now. It's like having a personal trainer with music in your home. No travel to work out. Can get up and work out before breakfast. Taking walk is great, especially in a park on a nice day. Eating & having coffee at home saves so much money. Getting takeout of dishes you love once a month is fun.

Bonding time with your spouse? Now your talking crazy….LOL