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Frugal Tips to Shrink Your Grocery Bill
Frugal Tips to Shrink Your Grocery Bill (Plus Recipes!) offers helpful money saving tips that will cut your grocery bill. Who doesn’t want to and need to save money in these hard financial times? Find out how to save money on groceries with this frugal tips ebook. Also included are some delicious frugal recipes.
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Tighwad Group, Come Join!
I’ve recently been granted to take over the Tightwad group, a long time Yahoo tightwad living group.
http://groups.yahoo.com/group/tightwad
The group’s owner had disappeared long ago, leaving the group to spammers posting yucky stuff. I have deleted a lot of messages and hopefully got rid of all the nasty ones.
We are wanting to jump start the group again, bring it back to life, to what it was intended for… tightwad tips, frugal living, budgeting, freebies, and coupons. So I am asking my readers here to join up and share their freebies, tightwad tips, frugal recipes, coupons, etc. Basically any and everything that pertains to tightwad living.
The group posts are moderated to keep the icky spam out.
So come on and join and spread the word to your friends!
Tightwad
http://groups.yahoo.com/group/tightwad
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With the state of today’s economy, we are all looking for ways to save a little money. In our household, we like to save money and also help the environment by being more earth friendly. The following tips will help you to accomplish both.
1. Unplug any appliances that you are not currently using. This includes: radios, stereos, DVD players, night lights, electronic game systems, etc.
2. When you do laundry, make sure they are full loads. If possible, hang your clothing outside to dry or purchase an indoor drying rack.
3. We all love the convenience of a dishwasher, however, running a dishwasher can run up your electric and water bills. If possible, hand wash your dishes, especially on the weekends when you have more time.
4. When it comes to grocery shopping, always leave home with a grocery list and stick to your list. When it comes to meats and staple items, purchase them in bulk to save money.
5. Quit using disposable products such as paper towels, napkins and plates. Yes, these products are convenient but they are not cost efficient. I choose to use cotton microfiber towels as they are absorbent and fast drying. For napkins, invest in some traditional cotton napkins that can be washed hundreds of times. Instead of paper plates, invest in some good quality plastic day dinner plates.
6. If you have an outdoor lawn or garden that needs to be watered, you need to water it early in the morning or very late in the evening. Your best bet is to plant outdoor plants and shrubs that don’t require a lot of watering.
7. Cancel your daily newspaper subscription. I find that I can keep up to date by reading my favorite newspapers online for free.
8. Cancel your video rental store membership. In our household, we prefer to buy our DVD’s when they are on sale for $10 or less at local stores, or we can pick them up at yard sales and flea markets for around a dollar. If you have family or friends who seem to purchase a lot of DVD movies, ask them to borrow them.
These 8 tips will help to get you started, but there are many more things you can do around your house to help put more money…back into your pocket. With a little research and some time, you can start making changes today.
Article Source: http://www.wahm-articles.com
Shelly Hill is a mother, grandmother and wife living in Central Pennsylvania with her family. Shelly enjoys saving money and being debt free. You can visit Shelly online at www.workathomebusinessoptions.com or her recipe blog at wahmshelly.blogspot.com for free family-friendly recipes.
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How to Save Money on Your Grocery Bill
If you are at your wits end trying to manage your grocery bills, you are not alone! Prices of groceries have jumped a ridiculous amount in the past year alone and people are facing the biggest price increase since the 1970’s. Thousands of people are scrambling to feed their families and feed them well somehow, on a painfully small budget.
10 Frugal Ways to Cut Down on Your Grocery Bill offers frugal tips and ideas on how to save money on your grocery bill and feed your family healthy meals for less. Get your copy of 10 Frugal Ways to Cut Down on Your Grocery Bill.
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The words “frugal” and “frugality” has left a more negative connotation for most people than simply being a saver, a cheapskate or tightwad. There is a thin line difference to saving and too much frugality to the point of being awkward and ridiculous. This is where the negative connotation comes from.
But if you are guided with the right principles and reasons in deciding to live a frugal life, you would never go wrong.
If you have decided to live frugally, no need to be worried of insults. Keep your head up high. And keep your focus through these tips.
1. Eating Out - Having gimmicks with friends on a Friday night is fine if you do it once in a while. But this can be expensive if you add them up at the end of the month.
2. Clothing - Naturally, if you are the kind of person who adores signature and designer clothes, do not expect that there will be something left of your take home pay. Instead of being trendy, wear clothes that can easily be matched with your other clothes.
3. Own Home - If you are planning to move out and find a place to settle, do not be overwhelmed by the excitement, instead be practical. As a start, buy a smaller house or try other ways like rent-to-own, do-it-yourself arrangements, and owner financing.
4. Buying Your Own Car - Shy away from sports cars or SUVs. Just stick to your purpose of buying a car which is to transport you anywhere you need to go. Check out also program cars like a new car warranty. Maybe this is not just the best time to replace your car with a new one.
5. Shopping for Groceries - As much as possible do not go with items that are branded. Choose non-brands and try looking for items on the highest or lowest shelves for best prices. Grab the opportunity and shop during sales or use coupons.
6. Family Out - There are inexpensive ways to bond with your family and be entertained like going to libraries, local parks, malling, picnics, visit friends and local church.
7. Buying School Supplies - Stock school supplies at home and do not buy anything fancy.
8. Be contented with what you have and try to live within what you earn.
9. Plan your Child’s College Education - Teach them the ways to be independent and self-supporting by encouraging them to apply for scholarships and “on campus jobs”.
10. Be Aware of your Financial Limitations
11. Anticipate your Failures by Planning - Have always a budget plan so you would avoid impulsive buying.
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Author: Quality Reviews
Enjoying a good life today can be terribly difficult, especially if you reside in Europe or the US. It seems like you have to have a large income just to exist. Fortunately, I’m here to let you know it does not require that much income to live. You can enjoy a fine life on a lower budget. Read the following guidelines and you can begin to learn the art of frugality.
One vital thing you must do is get rid of waste. We all are guilty of wasting money at some point in our lives. The art of frugality involves understanding where the problem is and fixing it. You need to know what all of your expenses are, then go through them one by one. Figure out in which areas you can cut expenditures by reducing services or getting rid of them altogether. Some ideas are: instead of paying a gym membership, it’s costs less to work out at home; reduce your Cable TV package; look for cheaper deals on internet service, phone, insurance, etc. In addition to those ideas, you can also eliminate the waste of energy. Do your best to no longer waste water and electricity by paying close attention to the details. Cut off electrical items when not in use. Use power saving appliances when available. Fix water leaks and take short showers rather than full baths.
One more thing to think about is if you are having issues making it on your present salary, you may need an adjustment to your living standards. As a child, I was taught that you work towards a high living standard. As your career progresses, your standard of living gets better. Today, it appears most individuals have been told you should have a very high standard of living immediately after you graduate. This is how individuals get into debt, because they need to have everything right away. You should reduce your living standard to something you can live with. Then improve your standard when you progress in your career.
You shouldn’t purchase name brand items just for the brand. Most of the time, you might locate fine quality items that are unknown or generic. A key part of frugality is the ability to find pertinent information about potential purchases so you can get the highest value for every dollar. I’m not declaring you should buy the cheapest item you find. In some cases, the name brand item IS the best value. You must ‘do your homework’ to determine the right way to go.
Try your best to stop paying interest. We all know that major debt can be depressing. Of course, the primary reason debt is bad is due to interest. You end up paying more for products than their true value. Therefore, you should only buy what you can afford to pay for. If you have major debt, you have to reduce it steadily until it is eliminated. When practicing the art of frugality, interest is your number one foe.
Almost every city in the United States has several free activities you may enjoy. The public libraries are full of books and media you can use at no cost. You can go to a local park and enjoy a picnic or set up a fun sports activity. Read your local paper and see what activities are going on. You could be intrigued by what you find. When you can do something enjoyable at no cost, you are practicing the art of frugality at its best.
You can do more and more of your shopping by using the Internet. You may be surprised, but there are quite a few very good sales on many of the shopping sites. A few of them will ship the items for free or at a very low cost. Another great benefit of shopping online is you don’t have to leave your house (no crowds to deal with and save gas, too).
In the above paragraphs, I provided some general ideas that you can put into practice to live a more practical lifestyle. For some more specific tips on maintaining a your budget, you can visit my blog where you can study the art of frugality.
About the author:
If you want to save money on hotels, be sure to read my article on Cheap hotels. Come and visit the site and learn more about managing debt and other helpful tips.
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As a parent, you may remember the first time your baby took his first steps. It was rough going, but eventually he got the hang of it. The same is true today regarding the economy and frugal living. It may also be rough going at first, but eventually you will get the hang of it.
Frugal doesn’t necessarily mean cheap – at least not the way it was thought of years ago. It simply means living within one’s means and not going overboard. Living a frugal life allows you to save money for important things such as a child’s college education, or health care, or getting through hard times.
Being frugal offers a valuable lesson to children by showing them that one can live a modest lifestyle and still come out ahead. It teaches children the value of a dollar and, by witnessing how mom and dad conduct the financial area of their lives, sets an example that the children will utilize in their adult years.
Sometimes it’s the lessons of the past that come back to remind us of just how lucky we are. Our parents made purchases with cash only, rarely had debt, and certainly never used credit cards. If you think back to your childhood, you can probably remember instances where your parents didn’t buy anything unless they could afford it.
It seems we have come full circle. As adults and parents, we too are finding alternative ways to save money. You can label it any word you desire, but the bottom line is that family is important. We will do whatever we can to make our loved ones comfortable. We will feed them, clothe them, and keep them healthy and happy. That’s all that matters.
If becoming frugal is the means to that end, so be it. Who knows; we too can still learn valuable lessons as we take baby steps on a new path to financial security.
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Gas prices aren’t the only thing rising fast lately. The cost of food and utilities is also going up, causing an even heavier strain on budgets. As the cost of living skyrockets, individuals and families are being forced to cut corners and learn to live on less.
Following are some frugal tips and ideas that can help cut the cost of living quickly. While there are long term ways to save money, these frugal tips are aimed at saving money quickly.
1. If you have cable TV or satellite TV, talk to your provider about paying for a smaller package. This is an even better idea if you don’t watch TV that often. Why pay for something you seldom use?
2. Combine trips to save money on gas. Don’t go to the store for just one item, but rather make a list and get what you need for several days.
3. Close off rooms that are not in use and save money on the power bill. Hot summer months and cold winters can run power bills up. Help save money on the cost of utility bills by not heating or cooling rooms that are not used or used often.
4. Consider taking out a different cell phone plan and/or lessening the features on your regular house phone. If you text a lot, a text message plan could save you from paying for individual messages. House phone features that you don’t really need will save you money. If you find yourself going over your minutes on your cell phone with your current plan and paying for more time, perhaps a different plan will actually cost you less even though you have more minutes with a new cell phone plan.
5. Eat at home more. Eating out is nice, and there’s nothing wrong in doing that every once in a while. But eating out often can cut into the budget, and with the high cost of gas, the cost of dining out can stack up quickly.
6. When shopping for groceries, use coupons, watch for sales, and buy more foods you have to actually cook and prepare. Prepackaged and prepared foods generally cost much more than making pretty much the same thing yourself.
7. Resist impulse buying. Ask yourself before buying something, “Do I really need this?” Is it something you can do without, or something you just want. And if you just want it, are you hurting your budget to buy it?
8. If you smoke, try cutting down the amount. Cutting out just even just a couple a day will slowly add up. Of course quitting would obviously be a much bigger money saver, but most of us know it’s not THAT easy to do, which is why I say try cutting down a couple a day. Even that will help to save money.
9. Cut back on the junk food and soda. Besides the health benefits, cutting back is a frugal way to save money and live better. I love my snacks like the next person, and won’t tell anyone to just totally cut them out. But cutting back on the amount of snacks and junk food plus less soda will not only help you have a healthier body, it will help you have a healthier piggy bank.
10. If you must use a credit card, try to only charge on it what you can pay off in a month of two. This will save oodles of money in interest. Why put that money in the pockets of the credit card companies when it can be in yours?
These are just a few frugal ways to save money and practice better budgeting of your money.
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“89 Quick and Easy Money Saving Tips for Saving Money In Today’s Economy”
If you’re tired of running out of money before the end of the month, if you’re wanting to stretch your dollar more, if you want to just save some of your hard earned money, then get our ebook with 89 money saving tips now.
Here’s what you’ll discover today, inside…
What to avoid like the plague when money is tight
Why your neighbors could be costing you thousands
How to give like Santa at Christmas without spending a fortune!
Where to find name brand clothing for pennies on the dollar!
How to save hundreds of dollars per year by presenting this one tiny piece of paper.
And Much More…
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