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Qualities that Will Get You More Money

If you can foster the following qualities in yourself, then you will wind up with more savings and a better budget. Here are some things that every frugal living person should have. Patience The old saying may be that “time is money,” but we can turn this around to mean that being patient with time is more money. How? Well anytime that you can be patient with a purchase you will generally save money, whether it is waiting a year for the price of that new gadget to go down, shopping around for a new mortgage or saving up for … Continue reading →

How to Make Money at Home

Strike out and make some money at home without an investment. You have all seen the ads about making money at home in your spare time. At least 90 percent of these ads (if not all of them) can be scams that require you to pay for something up front or simply give you the instructions for placing your own make money at home ad and hope for gullible people just like you to give you money. This practice makes me so angry because the victims of it are usually frugal-minded moms who want to be able to stay home … Continue reading →

Save Money on Travel

Even in a budget-conscious economy, you can still travel and enjoy a family vacation. While “staycations” are a big trend right now (staying home for vacation instead of traveling), they may not be your thing. And in fact, with some proper planning, you may be able to save more than the people who load their staycation with expensive activities. Here are some tips on how you can save money on travel. Off Season Travel to your destination in the off season. This is the number one way to save some serious money on your travel. Off season travel can cut … Continue reading →

The Biggest Ways to Save Money

Have you heard of the term, “Penny Wise and Pound Foolish?” Sometime we concentrate so much on saving pennies that we neglect where we can get the biggest savings. Here are some tips about how to make the biggest impact when saving money. While the pennies can add up, why not first concentrate on the dollars? Shelter, transportation and food are usually the biggest expenses in the average household, followed by entertainment. Combining Bills If you have home and car insurance, combine them with one provider to save hundreds of dollars a year. Likewise bundling other services such as cable, … Continue reading →

Money Sabotage

Sometimes the things we tell ourselves lead to bad decision and financial trouble. Here is how to avoid common pitfalls. Everyone is Doing It The idea that everyone owns a large home, sends their children to an expensive summer camp, goes on an expensive vacation every year and owns all of the latest electronic gadgets is a way to rationalize needing these things for yourself. But if you take money out of savings to pay for some of these things or go into debt for them, you may also find yourself bankrupt, as “everyone” seems to be these days. Decide … Continue reading →

Simple Attempts at Money Stewardship

Sometimes we look at little things that can be done to save money and think, why bother. It is only going to save us a few pennies, so is it really worth the time? But simple attempts at money stewardship can really add up. Imagine that you had a leaky faucet in your kitchen. You know that you have to fix it, but right now you have bigger priorities, and you will get to it later. Before you go to bed, you place a bowl or bucket under the leak. In the morning, the bowl is full of water. Those … Continue reading →

Giving It All Away

One of the negative things that is sometimes associated with living a frugal lifestyle is the idea that frugally-minded people are also tightwads or stingy. That is, if you wash out your ziploc baggies, shop at thrift stores or lower your thermostat in the winter, then you must be a miserable person with no thought for others. Remember Ebenezer Scrooge? But I think that frugal people are in a unique position to be able to be far more generous than the average person. Frugal people have learned how to save money, stretch those dollars and finds ways to make something … Continue reading →

Become a Home Consumer Tester and Get Free Products

One way to stretch your budget on the household items that you use is to become a consumer tester. You’ll get free products and usually a small payment besides. When my oldest child was our only baby, I did some consumer testing for a couple of companies. Basically, I would receive unmarked products in the mail, test them out and then fill out a survey with my observations and comments. After the survey was submitted, I would receive a small check in the mail for my time. Plus I got to keep the products that I tested and put them … Continue reading →

Frugal Living Can Be a Blessing

We all have different reasons for trying to save money and live a frugal life. But too often, we focus on the deprivations of living frugally, such as not being able to eat out often, or living without cell phones and cable television. But this is the wrong attitude. Frugal living is a blessing in many ways. It fosters appreciation Just the other day, my family and I were at a local park and everyone was having a great time. I felt completely blessed to have this great free resource nearby. In the past, before living frugally, I wouldn’t have … Continue reading →