Frugal Simplicity

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  • Frugal Simplicity Frugal Living Blog
    Your Frugal Living Tips and Ideas Resource


  • Are you ready to start living a more frugal life? Do you need money saving tips on how to live frugal? You've come to the right place! Frugal Simplicity offers frugal living tips, money saving tips, and ideas for better budgeting of your money and finances. Our goal is to help you live a more frugal life.

    Our frugal living tips blog features personal finance and frugal living tips such as frugal recipes, money saving tips, better budgeting resources, budget home decorating tips, budget wedding tips, ideas for getting out of debt and staying out of debt, and much more.






    29th December 2007

    Get Paid to Review Products: $5 to $75 Per Review

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    One of THE most fun things I like to do is to get freebies. And even though I absolutely love getting just about any kind of free product sample, from snacks to household items to clothes to pet care to home business supplies, the free samples of products I most love to get are the big ones!

    I’m talking the good stuff here, not just samples of tampons and shampoo and coffee, but things I wouldn’t normally buy for myself often, if at all… like a $169 value Sonicare electric toothbrush system, more bestselling books than I can even count, a brand new FAST desktop computer, software, and more.

    How do I get these things? I offer to do reviews on the products, giving my honest opinion of the product and/or service. I let others know exactly what I think (isn’t that fun LOL) and I keep whatever is sent to me. Sometimes I choose what I want, sometimes I get whatever is sent to me. It’s always fun though and almost always something I can use.

    So, while getting the usual freebies ad free offers of product samples is always awesome, it’s an even more awesome day when the BIG goodies show up at your home, free for you to keep, just for doing a review or survey on what you honestly think about the product.

    Popularity: 18% [?]

    27th December 2007

    Money Saving Tips for Spending Less on Food

    Thinking of cutting down your expenses on food? Then you should read the following tips. They will surely help you on reducing your food expenses. They are by no means comprehensive but they will be very useful.

    For coffee drinkers
    It is a good idea to re-use the grounded coffee once. Using coffee grounds two times or more will not greatly affect the taste of the coffee. It is highly encouraged to do this using a filter that is permanent and avoid the paper variety. Keep the grounds refrigerated until using it the following day.

    For bread lovers
    Grocery stores sell bread that was made the day before at a much lower price. There is nothing wrong with eating bread that was made the day before since it still is good to eat. If you have a lot of space in your refrigerator, store a lot for bigger savings. If you will eat the bread, you can defrost it using your microwave oven. Re-heat it every 30 seconds to prevent the edges of the bread from getting too hard.

    When buying from the grocery store
    Before going to the grocery, you should have already made a list of all the things that you really need. Prioritize basic goods and avoid buying things that you do not really need. Observe the prices indicated on the displays. Remember, branded products cost considerably more than store brands. It is also a good idea to keep the receipt of your previous trip to the grocery and make it as a basis for your purchases on your next trip. To have higher savings, buy more of the product. You can always store it in your refrigerator or in the house to minimize your trips to the grocery store.

    When eating out
    If you are going to eat in a pricey restaurant, the best time for you to go there would be during lunch. Food during lunch usually costs less and this will be to your advantage. When staying at the hotel on your trips, it is a good idea to check if they also include breakfast in your total room charge. You should also find out where the locals eat. Chances are, they will eat where the food is great and the price is even better. When going around, carry with you some snacks. A chocolate bar, chips, and cookies will go a long way while strolling around.

    Eating cheaply does not necessarily mean eating bad food. Look around and you will be suprised at the options you can choose from. Take time and consider your choices so that you will not only eat a lot but save some money also.

    Popularity: 16% [?]

    26th December 2007

    Guide To Better Budgeting

    A budget is basically a money plan, outlining your financial goals. Having a budget, you can well establish and regulate funds, set and achieve your financial objectives, and make advance decisions as to how you want your finances to function well for you.

    The main idea in budgeting is for you to put aside a certain amount of money for expected as well as unexpected costs.

    Simply put, budgeting means an estimation of monthly home expenses basing it on previous expenses and bills.

    The initial step to take in budgeting is to find out how long will your compensation last. Define fixed expenses like car payments, home rental, insurance, etc. Likewise follow up your expenditures thoroughly for a month so you can discover and understand where your funds are going. Through proper determination of your “spending patterns”, you can immediately identify solutions for effective budgeting.

    For instance, when you have a steady monthly income of $4,000, you should subtract all your identified monthly bills from that income.

    Other bills can be assessed and then subtracted from the amount of your income. The balance that remained after fixed costs can now be your budget in the household. Rather than allocating money for miscellaneous like gas, clothing, entertainment and groceries, financial planning will allow you instead to use proportions or percentages of it.

    The strategic solution in order for budgeting to be successful is inflexibility as well as flexibility; there are fixed expenses so payment must be an inflexible factor.

    Budgeting will best work when very scarce omissions are made to greater limits. The idea here is to formulate goals and plans, then abide by it as much as you possibly can.

    Here are tips on how to budget:

    1. Have good sense of money management. Your attitude is essential. Reach an agreement and compromise and know the significance of reducing expenditures; it all involves a lot of sacrifice.

    2. Plan your situation. Make a listing with your earnings to one side and your overheads on the other side.

    3. Know the difference between luxuries and necessities. List down what you believe as luxuries, with it, split the list in half, crossing out half the list.

    4. Practice frugality but with dignity. You can have fun with little or without spending at all. Rather than going shopping, play with the kids at the beach or at the park.

    Budgeting is an effective and fundamental tool that is readily available to everyone. Consider it, and benefit from it.

    Popularity: 11% [?]

    26th December 2007

    Tips on How to Teach Your Kids to Save Money

    A lot of teens do not understand the value of earning and spending money. They were not oriented that investing is necessary even if they are still students. As parents, you play a crucial role in this area.

    You should be able to teach your kids on how to save money. They should be able to understand the concept of money and investment as early as childhood. This will prepare them to learn money management, as they grow old.

    Here are some tips on how you can teach your children how to save money:

    1. Your children should be educated of the meaning of money. Once your children have learned how to count, that is the perfect time for you teach them the real meaning of money. You should be consistent and explain to them in simple ways and do this frequently so that they may be able to remember what you taught them.

    2. Always explain to them the value of saving money. Make them understand its importance and how it will impact their life. It is important that you entertain questions from them about money and you should be able to answer them right away.

    3. When giving them their allowances. You need to give them their allowances in denominations. Then you can encourage them that they should keep a certain bill for the future. You can motivate them to do this by telling them that the money can be saved and they can buy new pair of shoes or the toys they want once they are able to save.

    4. You can also teach them to work for money. You can start this at your own home. You can pay them fifty cents to one dollar every time they clean their rooms, do the dishes or feed their pets. This concept of earning little money will make them think that money is something they have worked for and should be spent wisely.

    5. You can teach them to save money by giving them piggy banks where they can put coins and wait until they get full. You can also open bank accounts for them and let them deposit money from their allowance. You should always show them how much they have earned to keep them motivated.

    Money and saving is not something that is learned by children in one sitting. You should be patient in teaching them and relating the value of money in all of their activities. Children will learn this easily if you are patient and consistent in guiding them and encouraging them in this endeavor.

    Popularity: 9% [?]

    19th December 2007

    Get the New LG Blue Ice Cell Phone Free

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    Popularity: 6% [?]

    15th December 2007

    Low Cost Frugal Christmas Decorations

    Are you planning on decorating your home for Christmas this year? If so, have you completed the first step? When it comes to decorating for Christmas, the first step is getting the decorations. Unfortunately, in today’s world, many families are finding it difficult to afford “extras,” including Christmas decorations. However, there is good news. If you are on a budget, there are still a number of different ways that you can get your home decorated for Christmas. You can do so with low cost frugal Christmas decorations.

    When it comes to low cost Christmas decorations, it is important to remember that different people associate low cost and frugal with different things. Just because you think a particular Christmas decoration is low cost and frugal doesn’t necessarily mean that someone else will. For some individuals, a low cost Christmas decoration is an item that only costs one dollar, for others it is five, and for others it can be fifty dollars. That is why it is important, when looking for low cost Christmas decorations, that you keep this in mind. However, no matter what your view of low cost is, there are still a number of different ways that you can go about frugal decorating for Christmas.

    Perhaps, the easiest way to save money while decorating for Christmas is to not buy any Christmas decorations. If you decorated your home for Christmas last year or in recent years, did you save your old Christmas decorations? If you did save your old Christmas decorations, you may want to think about using them again this year. Although it may be nice to have brand new Christmas decorations, they are not required. Not only can you save money by using your old Christmas decorations, but you might not have to spend any extra money at all!

    In addition to using your own used Christmas decorations, you may want to think about using other people’s old Christmas decorations. During the summer and sometimes during the early fall, you may be able find local yard sales. Yard sales are a great place to get used Christmas decorations for an affordable price. If you are unable to find a yard sale, you can also purchase used Christmas decorations online. You can easily find a collection of used and sometimes even deeply discounted new Christmas decorations by doing your shopping on an online auction website.

    Although you can save a fairly large amount of money by buying used Christmas decorations, as previously mentioned, there is a good chance that you want new ones. If this is the case, you still have a number of different options. You should check your local dollar stores, discount stores, and even department stores. Many of these stores, around Christmastime, have a large selection of Christmas decorations, at an affordable price. If you are looking to save the most money, it may be a good idea to visit your local dollar stores. Some dollar stores sell really nice frugal Christmas decorations for a dollar and sometimes even less.

    It might even be possible for you to make your own Christmas decorations, with items that you already have inside your house. In fact, this is how you can turn your old Christmas decorations into new ones. Simply by altering your existing decorations in one way or another, for instance by adding a bow, you could make your old Christmas decorations like new. You can also take a simple candleholder and turn it into a Christmas candleholder with a little bit of creativity. The same can be said for a number of other items that you likely already have inside your home. This is another way that you could avoid spending any money on Christmas decorations.

    As you can easily see, there are a number of different ways that you can go about finding or making your own low cost frugal Christmas decorations. Although you may be worried about the quality of those decorations, you shouldn’t be. Most times, it isn’t necessarily about the Christmas decorations themselves, but they way that they are presented or arranged.

    Popularity: 17% [?]

    14th December 2007

    Frugal Stocking Stuffers for Under $10

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    Popularity: 10% [?]

    12th December 2007

    4 Free Clorox Samples

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    Popularity: 11% [?]







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    • Frugal Simplicity


    • Frugal tips, articles, and ideas to get more for your dollar, save money, and have more for less. Frugal Simplicity ... it's not just about saving money, it's a way of life!