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Are you tired of not having any money, but don’t know what to do? Here’s a guide to help you.
Frugal Living Tips to Save You Money offers various frugal living tips that can help you save money and live better on less, plus baking soda use tips.
There’s an old saying, “There’s more than one way to skin a cat,” that I have heard during my life and while growing up. By the same token, there’s more than one way to save money, and not having to do without. Everyone can save money somehow.
Little steps can make a world of difference. There are countless ways to trim your budget, yet still live nicely. Making minor changes and substitutions can make a huge difference in the amount of money that goes out of your house monthly. Bank those savings for a rainy day or a special something you’ve been wanting.
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There are a lot of ways to be frugal and practice frugal living in your everyday life. The short version is this – if you want to save money and live on less, you simply have to stop spending money. There are lots of things that we can be do to be frugal that can make for instant savings.
Of course, we can make a budget and stick with it. We can cut the credit cards up and stop maxing them out. We can pay more than the minimum payment on some of our bills. These are great money saving tips. But the frugal living methods I am talking about today are more basic and something most (if not all) of us can do everyday (or at least often) to live frugally – saving money by not spending it to begin with.
If you want to have a frugal life and save money, then you have to make up your mind to stop spending money. Until you do that, your life will not change. You control you! If you want to make a change, BE that change. Frugal living is something that all of us can do – we just have to want to.
It’s this simple – if you’re not willing to stop spending, then don’t complain about your money problems. Yes, that sounds harsh. But I say it because of this – I have heard all too many times from people who ask how to save money, how can they make it on less money, how do they do frugal living, what can they do, etc. – and as soon as I tell them, they start: Oh no, I can’t live like that, I can’t do without this or that, I can’t not go shopping, I can’t not eat out every night… I can’t, I can’t. But in reality, they are saying… I won’t, I won’t. So again, I say: If you’re not willing to stop spending, then don’t complain about your money problems.
That said, for those that want help, here are some frugal living tips that will help you to save money by not spending money:
1. Save scrap paper for notes. If you’re always buying notepads and sticky notes for your home, consider saving scrap paper to write on. If you print coupons, you might have paper left after clipping them if they didn’t take up the entire page. Plus we all get junk mail. Cut it up and use the backs for jotting down notes.
2. Reuse plastic zipper bags. If you use a lot of plastic food zipper bags, you can wash and reuse them (if they didn’t have meat in them). Lots of times, I will open a bag of this or that and it doesn’t have a way to seal it, so I will put them entire bag into a plastic food zipper bag, just to be able to close it and seal it. Once the food is gone, the bag is fine and reusuable. I just wash it out and let it dry, and use it again.
3. Save plastic food tubs. You can save a lot of money and practice frugal living by saving and using the plastic food tubs that items such as margarine, sour cream, or cottage cheese come in. These are great for storing leftovers in or putting stuff into the freezer – meat, pasta, rice, veggies, etc. Once they get worn out, you can toss them – and you haven’t lost a penny.
4. Pay your bills online. Frugal living wouldn’t be complete today without adding this frugal tip. Granted, there are still a few companies that haven’t caught up with today’s technology and made it possible for their customers to make payments online – but more and more companies are getting there. Not only do you save money on the cost of postage, but the payment is usually instant, and even when it’s not, it’s still much faster than the week it takes for the payment to arrive in the mail. If you’re not sure if a company you do business with accepts online payments, do a search online or call and ask.
5. Cook at home and eat at home. Yes, we all like the idea of eating out and having someone else cook for us, but that can be expensive, especially if you do it often. Save it for special occasions or every once in a while – not all the time.
6. Make do with what you have. Unless you truly need something, make do with what you’ve got. Nothing screams frugal living more than this! So many people think they just have to have this or that – yet they have no need for it, no use for it, and all too often spend money just to be spending it. Do you really need another pair of shoes? Do you really need another dress? Do you really need another car? Learn the difference between want and need.
7. Look for free samples online. Companies are always giving out free samples. Granted, a lot of the samples are trial size, but you can also find full size free samples. Getting free samples is good because obviously it’s a freebie, but it also allow you to try something before you buy it. So if it turns out you didn’t care for the product, you don’t lose any money because you never spent the money on it to begin with. Free samples are also cool for gift baskets.
8. Do it yourself. You can save loads of money if you simply do something yourself rather than pay someone to do it for you. Of course, this only works if you know how to DIY or have access to DIY tutorials, such as online. If you have something that needs done and you don’t have a clue as to how to accomplish whatever it is, simply do a search for DIY so and so.
9. Barter with family and friends. Trading things or services will save you money, along with whoever you barter with. If you need sewing done and are clueless, consider bartering with someone who sews for something you have or know how to do. If you know how to fix a leaky faucet, you could barter that service with someone who knows how to do something you need done.
Frugal living doesn’t just happen for most people – they have to want to live a frugal life. So many people today live such fast lives – buying, spending, going – and they wonder why they are in such debt, whey they never seem to have any money. If you want a frugal life, you’ve got to be willing to let go of the spending habits.
Frugal Living Tips: Christmas without Going Broke or in Debt
Christmas is coming and with the coming Christmas holiday shopping season, a lot of parents will make the decision to once again go into debt to get their children lots of expensive Christmas gifts. Instead of going broke or deeper in debt, why not have a frugal Christmas?
A frugal Christmas doesn’t mean buying cheap toys that won’t last a week. It simply means having a holiday on your budget, within your means, with your spending dependent on your income and budget.
The problem that many parents face is that their children have seen so much advertising for toys and games, that they want anything and everything. And frankly, as parents, many of us at one time or another think our kids need and deserve loads of expensive gifts – so much so that we will go into debt to get them what they want, even when we can’t afford it and they don’t need it anyway.
Make this the year that you break the cycle of going into debt and going broke, just to buy Christmas gifts that will probably just be shoved to the back of the closet in less than a month anyway.
The idea here is to have a nice Christmas and save money while doing it. Remember what Christmas is all about – it’s the day we celebrate the birth of Jesus Christ. The wise men brought gifts to Jesus, our Lord and Savior. It’s not about going in the hole financially just to buy Christmas gifts and then not be able to pay our bills.
Here are some frugal Christmas tips. Depending on your family’s finances, you can trim these ideas back or expand on them.
1. Draw names. Stop buying a gift or gifts for everyone in the family, all your friends, neighbors, and the pets to boot. Get everyone together that normally buys in this manner and put their names in a bag or bowl and have everyone (not the pets) draw one name out. That’s who they buy for, period. This works for families with lots of children also.
2. Tell the kids something to this effect: This year, instead of buying lots of Christmas gifts, we’re going to do something for someone that needs our help. This could mean making meals and taking them to someone, visiting with people who have no one for Christmas, donating their toys to kids who are less fortunate, etc.
3. Shop the sales and bargains. If you can’t find it on sale or clearance, leave it. This can be online or in the actual store.
4. Make it yourself. Homemade gifts are so much more thoughtful and caring than most store bought gifts, simply because love, care, and thought went into creating the item. Get the family together and tell them that this year you’re making gifts for each other. Use what you have (or can afford) and make something with the gift recipient in mind.
5. Have a story telling or singing. Make a new tradition of the family going out (or staying in) singing Christmas songs. Let the children create and put on a Christmas play or puppet show.
There are so many frugal ways to celebrate Christmas, without going into debt or going broke! Sadly, so many parents believe that if they don’t spend money on their kids, that they are depriving their kids. Actually, it’s quite the opposite! They are teaching their kids that Christmas is about one thing – money. It shouldn’t be that way!
There’s nothing wrong in buying Christmas gifts – to some extent. But when parents end up in debt, year after year, just to buy gifts, there is something wrong. When we go broke to get our kids loads of gifts, yes there is something wrong.
This year, make a difference! Have a frugal Christmas, and feel the difference that it makes when your kids are seeing more of what Christmas is really all about.
