Frugal Living
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Frugal living is practiced by those whose aim is to have more money and cut expenses. It’s a way of living smarter and better money management. 

Have you unlocked the world of possibilities with frugal living?

Saving money is hard to do. It is extremely hard if you cannot control your spending. You have to have self-control.

I definitely take care of the way I spend my money but I don't like the "frugal living". You have to save money that's for sure but at the same time you have to enjoy your life.

You can enjoy life and live frugally, too. Some people don't, but some do. It just takes a little more creativity to do things or go places and that can be a lot of fun.

I like my sites. One of them I get a check and the two others I cash out regularly I get gift cards. This helps us out. I love going to CVS using their sales, coupons, and ECB's.

I started saving one dollar bills again. Almost every time I get one I put it in my cookie tin. Every month I go in and count how many I have. I paper clip them together in ten's. After three months I now have 61.00 ! I'm so happy ! Unusually something happens when I reach thirty dollars and I have to pull them out. My hours have been cut at work so I stopped grocery shopping as much, we are eating what food I have stored up. Except for really good sales. Around August is when we should really start feeling the pinch. That's when the pantry should start being empty. Saving now for a potential downturn. Hopeful though that I get my hours back or pick up something extra on the side.

I am a frugal mom that is why I wanna follow this topic! I am trying to save money by writing all the stuffs I consume in a month, with prices indicated on my list. Then, I try to compare the prices.

i do buy a lot of store brands as well. most of the time the store brands are just as good if not better than some brands i have had, the only stuff i am kinda picky about is peanut butter and ranch dressing lol

I buy a lot of store brands, too, even the peanut butter! I don't care for name brand peanut butter because they always put sugar in it. I do buy name brand mayonnaise, though.

I'll only buy the dry mix ranch dressing. I found the store brand of mac and cheese is way superior to Kraft. The Kraft brand the cheese sauce is like water.

That's what I've been doing too. Store brands are not bad at all. Often times they are just as good as the "branded" brands and they're a lot cheaper.

I don't think I live frugal, but I do think that I try to save as much money as I can. I'm struggling financially sometimes, so there is no way I can spend as I would like to lol

3/31/15 saving money has a lot to do with being frugal....and then things that you do to save much such as re-using items, making due with what you have, the list is pretty endless.

Exactly, Marsha. Living a good life while spending less money, and using and reusing what you have. Saving money where you can just means more money for other things.

i love being frugel it saves money that i can use for my child or to take my wife away for a vacation which i dont mind doing because she is more frugel than i am. it really is worth the time

I like being frugal. Idk why. I was spoiled as a child and for some reason I became a frugal person when I read the book called the frugal gazette. Maybe because I like to craft and repurpose? To me being frugal is fun and helps me get more stuff I want rather than going without.

Frugal living has its place. Money is hard to come by but it goes so easily. With the price of food and everything else going higher it is a good idea to pinch pennies.

I would say my mom...or just my family is on frugal living.
we have a fixed income, so things are pretty tight, and we really have to budget things out.

I'm on a disability, its low fixed income and you are not frugal by your own choice. It is very difficult trying to look after yourself self & stay on top of day to day living. "If its not on sale I don't buy it.

Especially in this economy, Richard. Costs have gone up so much! I am thankful that I live near some really good thrift stores.

I keep learning everyday how to be frugal, every time that prices goes up, you have to think how to make it work better with as little money as i have. I have no choice for now until I have more money to work with.

I know what you mean, Francine. It feels like the prices of everything goes up a lot faster than income does. It's getting to the point that buying food is hard.

I can do it whenever I have to and try to live frugally but every once and awhile you need to break out and enjoy yourself-with eating out or a movie!

I agree with you completely. I feel like we all need to have the opportunity from time to time to break loose and just have a good time.

I read on this site one of the ways to save money quickly is to put one dollar away today,then 2 dollars tomorrow then 3 then next then 4 the next and so and so on.By the end of the month you had over 1300 dollars.

That would work only if you had 1300 dollars coming in after you paid all your necessary bills. But yes it sure would be a way to save quickly. You'd have enough for a car if you repeated this every month for a year.

It would be really nice if that was something that I would be able to do but considering that my monthly income is less than that I know that it wouldn't be possible for me.

I saw that too Carole.
My daughter is trying it out so she can have Christmas money at the end of the year.
Hope she can do it!

I love reusing items for other purposes. There is so much that you can do if you just put your mind to it. Nothing is impossible as long as you have an idea

Chantiele, do you have any suggestions for reusing items that you could share with us? Maybe you have some we've never tried before.

I was very irresponsible with money when I first got out on my own at 18 . Now I'm 30 and have about $5000 in credit card debt. I got married in December and we really want to buy a house before next winter. My goal is to put $500 a month towards paying off credit card debt. I have an average job making $14 an hour. I'm going to take as much as I can from my paychecks and all of my online earnings to reach my $500 debt payment goal each month. Hopefully by winter we will be in a much better place financially. I wish I could go back in time and be as frugal as I am now. I guess we learn as we grow.

5k credit card debt isn't too bad. I would suggest before buying a house to consider how much of a down payment you will need, if you can find a place you can afford on just one of your salaries, and if it would be cheaper to rent (house maintenance, pmi insurance, interest rates, etc.) It's suggested that you save at least 1% of your home's value yearly for maintenance.

I really do believe that we all make more than our fair share of mistakes when we are young. It stinks that you have debt that you need to deal with but at least you are being responsible about dealing with that debt.

I am trying to live frugal, but it is hard to where I live. Things here in Las Vegas are more expensive than where I used to live, but my husband's doctors are here so we are stuck. I am looking for sites where I can make extra money, but now some of them keep on changing which is making it harder for me to make cash out. I am hoping that I can start my own online business.

I have a ton of student loans to pay off so I've been trying to be frugal. Last month was a disaster though. I spent more than double of my budget. I hope I can make up for it in the upcoming months.

Well I did it again ! I spent my gas money on Papa Johns, I have extra money put back for gas. I'm officially going to budget 35.00 for Papa Johns from now on. I've tried breaking the habit and watching every penny, but, there are nights when he gets the best of me. I'm tired of feeling guilty, it's just going to be one of those things I do for myself. I feel justified in doing this, I go without a lot of things other people have. I know that's stinking thinking trying to justify spending that much on a pizza but, lets face it frozen just doesn't taste as good. O.k. I'm ready you can tell me how bad I am.

It's okay to treat yourself once in awhile, but honestly the "I go without a lot of things other people have" isn't a good motto to live by. I do too. I don't have an iphone or a new car or designer clothes. Those things don't matter to me.

Sometimes I just feel sorry for myself and I shouldn't. We aren't really hurting that bad. I put up around 200.00 a month one way or another. But, to do that I make due with what I have. I know I'm doing the grown up thing by making sure we have an emergency fund and a car replacement fund. Sometimes though I want a new pair of pants, or get tennis shoes my sister didn't give me. Just having a pity party right now. There are days that it's hard not to throw caution to the wind and go to the mall.

Have you tried making a list of the little things that are important to you? Papa John's would be on that list, I'm sure. But what else? If you make a budget that includes those things, then two things happen: (1) you won't feel deprived; and (2) you won't feel guilty while you are enjoying them.

It also makes being frugal much easier. You may find that you are spending money on things that don't make you happy and are not important to you. These are areas where you can cut costs and you won't even miss it. Cable was one of those for me. I probably watch TV perhaps 5 hours a week; but 90% of those shows were on the basic, free (if you have an antenna) channels. So I cut it out and didn't even miss it. Now, the internet is on my 'very important' list. LOL

I understand, Cathy. Once you're feeling better you just need to learn to change your mindset. It's AWESOME that you are putting together an emergency fund and car replacement fund. There are many people who can't afford that.

Try setting some goals. Have a baby emergency fund of 1k. Then have a fully funded emergency fund of 3-6 months of your expenses. Create a budget and give yourself a certain amount to spend a month.

We turned off cable a long time ago. We do have Netflix but, now with comcast starting extra charges we can't use it either. The electric company has raised it's prices so no t.v. we hang out clothes in the house. Since it's winter we are down to only using four rooms, we are smashed together. There's only two of us, but, my hubby is a slob. and we have four cats. I get five rolls of quarters every pay check. I've done it for over a year and have the thousand dollar emergency fund. I just need spring to come and bring me some sunshine.

Cathy. You can only do what you can do. It sounds like you are already down to the bare bones. Just don't forget to give yourself some pleasure - it doesn't have to cost much. Life is not just about sacrifices.
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