Six of my favourite You Tube money saving vloggers

MONEY SAVING VLOGGERS

Six of my Favourite Money Saving vloggers

As I have been off sick, I have had a lot of time on my hands. Resting up means I can catch up with some of my favourite vloggers on You Tube. Some of them aren’t strictly into frugality but their lifestyles mean they are saving money, so I have included them in my list of money saving vloggers anyway. I hope you enjoy them!

Mean Queen

I love Ilona and have been reading her blog, Mean Queen, Life After Money for years. Now I have also started watching her You Tube channel. She isn’t slick, but she is always likeable and charming. Ilona is a down to earth, no nonsense northerner who speaks good, old fashioned common sense. Her frugal lifestyle meant she could retire earlier than most and live a good life on a pension. You can view a typical one here.

Emma Drew

Emma is less about saving money and more about making it. If you need to up your income she has some very interesting vlogs with really good ideas. She explains everything so clearly and is certainly a great example of practicing what she preaches. She is now a multi award winning blogger earning a 6 figure sum. A good money making post can be viewed  here.

Sustainably Vegan

Immy Lucas founded the #lowimpactmovement. She is vegan, obviously, and into a generally minimalist and low waste way of life. In my experience, this makes also makes her super thrifty and frugal and thus a money saving vlogger! I first discovered her when I was searching for money saving tips as here and here. However, I soon realised that there was more to her than this and now I love watching her channel. As well as vlogging she is a photographer, so her videos are very slick and professional. She also has a lovely, soothing voice.

Immy vlogs about sustainable living, reducing your waste, avoiding plastic, fitness and more.

Dave Ramsey

Not really a vlogger, but worth including as I find his radio show broadcasts on You Tube both entertaining and inspiring. I am a fan of his baby steps to financial health. During his show he encourages, advises and cajoles the people that call in with their questions on debt.

Thanks to Dave Ramsey, many people have not only worked their way out of debt but have found ways to grow and invest their income to sustain their future. You can also see some of them doing their ‘debt free scream’ on his show!

Debt Free Dana

Another US money saving vlogger, Debt free Dana follows Dave Ramsey’s baby steps. She is a full time working mum of four, so how she finds the time to do her videos too I don’t quite know! She tells you what you know already, common sense frugality and money saving. I like her manner and presentation.

money saving vloggersSimpler Greener Mummy

Back to the UK, Simpler Greener Mummy aims to live a green and sustainable life with her family on a limited budget. She does her best to save money so that she can stay at home with her kids – she even home educates. She also aims towards simple, green living, as I do. This post is a good place to start. Even though she is basically a parenting vlogger and mine are all grown up, I find her interesting and inspiring.

I am also amazed at how much of their lives people are happy to share. Every now and again I consider starting a You Tube channel but not whilst I am working full time. Maybe one day I will be one of these money saving vloggers! Who do you enjoy watching?

The frugal cook: making a meal from ‘nothing’

frugal cook

The frugal cook adapts recipes

Are you a frugal cook or do you find you have to rush out to buy expensive ingredients for a particular recipe? This can bust your budget and lead to waste if you don’t find a way to use these items up in other dishes.

I made a banana loaf the other day with some very black bananas that no one was going to eat. I used this Delia recipe as my starting point, but as I didn’t have any walnuts or oranges I substituted brazil nuts and dried cranberries. It was really delicious!

The frugal cook needs to be able to do this: either adapt recipes or make meals up to suit what you have. If you don’t have an expensive ingredient like sundried tomatoes try fresh or tinned with some tomato purée. No shallots? Use ordinary onions. If you don’t have dried porcini mushrooms, the usual fresh sort will work ok.

frugal cookTo be a frugal cook, make sure you have plenty of store cupboard staples. Flour and baking powder, tinned tomatoes, tomato purée, tinned or dried pulses, pasta, rice and noodles spring to mind.

Bargain buys for the frugal cook

Casserole sauces bought cheaply from places like Approved Food and Home Bargains are good for days when you can’t be bothered or don’t have time to cook from scratch. Tinned veg is handy to have. Canned tuna or sardines can make a good quick meal.

I also like to keep a stash of frozen vegetables. There is no waste with frozen and you can used just as much as you require. Eggs and cheese are good to have in the fridge, and a pack of bacon can add flavour and interest to all manner of dinners.

frugal cook

No food in the house?

What to do if you think there is no food in the house? I know there are some folk in dire straits who genuinely have very little. However for most of us, this just isn’t true.

Have a good look in the store cupboards. I bet there is a ton of food in there. You may not be able to make a meat and two veg type of meal, but how about a lentil shepherds pie or veggie curry for a change? If you can make a tomato sauce from onions and tomatoes, you can build it into a veggie casserole with courgettes , carrots, lentils, etc. and make some dumplings to go with it. Or use it to make a pasta sauce with garlic and peppers, or a bolognese with some mince meat. Add and taste as you go along.

Mess about with curry powder, cumin and chilli to add a bit of spice to what you have. Eggs can make an omelette, a quiche, or you can crack them over your tomato and pepper sauce and bake them the oven. How about curried eggs? If you have flour you can make pastry. What do you have that will go in a pie?

A veggie classic

If you have cheese, onions and potatoes you have a veggie classic: cheese and potato pie with no pastry needed. Mash the spuds and mix in sautéed onions , plenty of cheese and some seasoning. Yummy with baked beans !

Use up all the bits of veg in a stir fry with noodles or rice. Make all kinds of fillings for a jacket potato with whatever you can find. And if you really can’t be bothered to cook, there is nothing wrong with the odd ‘something on toast’.

Use recipes as inspiration and as a guide for quantities rather than feeling you need to slavishly follow them. Don’t be afraid to make something up. You might find you are a very creative frugal cook, able to summon up a great meal from an apparently empty larder.

Remember also to use up your leftovers! Food waste is a serious issue and is like tipping your money in the bin.

Are you a frugal cook? What are your top tips to make something from store cupboard staples?

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Focus on frugality: Why the little things do matter

frugalityI recently read a finance blogger who said he wasn’t into frugality. He could help you become wealthy but not by telling you to forego your daily takeout coffee.

Focus on the big wins?

This writer suggests you ignore the small stuff and focus instead on big wins to improve your finances. He talks about finding ways to achieve more income, getting a better job and creating wealth. The testimonials on his blog are from people who now earn a lot more than they used to so can still buy their morning cappuccinos.

I can see that creating extra income could mean the end of many people’s money woes. However, I also know that a more systematic and disciplined approach to finance is also essential for a lot of us who are rubbish at money management, whatever our income.

A question of attitude

I have listened to enough of the Dave Ramsey Show on You Tube to understand that there are folk out there earning large incomes who still spend more than they earn.

There comes a point when you have to look at your attitudes and spending habits in order to improve your finances. The person who earns £150k a year but spends £160k is no better off than the person who earns £25k but spends £30k. It could be that the high earner may be able to keep their daily latte but cancel their skiing holiday in order to get back on track. Whatever they do, they still have to make some sacrifices and learn to say no. It’s all relative.

Small but significant choices

Either way, in my view small daily choices towards frugality can help anyone. The more firmly you tighten the belt the quicker you can pay off debt, build an emergency fund, pay off your mortgage or begin to put your cash into investments. I can’t see why you can’t go for the big wins and work with the small ones. Surely that will get you to where you want to be faster?

For example, keeping a spending diary can be useful to see where your money is disappearing. Making a budget each week or each month will help you establish how much you can use to pay or debt or how much you could afford to put into savings. Meal planning and searching out bargains in the supermarket can be vital for those on low incomes but is likely to just be sound common sense for a few millionaires too! And, yes, cutting out that morning take out coffee could be worthwhile as well.

Perhaps some of them started on their road to wealth by saving the money they used to spend on coffee and investing it instead!

Prudence and frugality

I like to think that many of those with plenty of money got there through prudent and sensible money management rather than simply earning big bucks. After all, there are plenty of stories of celebrity bankruptcies. They had it all but made terrible financial decisions and ended up with nothing to show for all their hard work.

I may not ever be wealthy but at least by making daily choices towards frugality I will have peace of mind and control of my money. Check out my top 20 frugal habits here.