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. 

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Ocean Tiara
I always think I live frugally but I must not be frugal enough as I can't seem to make it. Every week there is something that is damaged and has to be replaced in this place I live.
Pamela Estepp
I was just reading all the posts on phones. I get the free basic cell phone offered by Assurance Wireless for low income people or I wouldn't have a cell phone at all. At home I use MagicJack and love it--- $40 for unlimited local and long distance. What's not to love!
Nadine Tidwell
How does magicjack work? I've heard a lot of people love it and we're interested because the apartment we're looking at is in a deadzone as far as cell phone service goes.
C W
I don't like Magic Jack. For a long time at work our calls wouldn't go through to the people that used Magic Jack. I use a free Google Voice phone number plus a one time purchase of a router that hooks up our house phones...so I have a free landline phone.
Nadine Tidwell
C W thank for sharing! I didn't know there was an option through google! I like having alternative options, thank you for passing on your information!
C W
No problem! What's neat about the Google voice number is you can text with it, and you can even forward calls to your cell phone without giving your cell phone number away.
Pamela Estepp
Nadine, you just plug it into your computer modem and then plug the phone into that. As long as you have an internet connection you can use it. People dialing in or out have to dial the area code too but after you get used to doing that, it's no big deal.
Danielle Simms
We actually went the other way and have no cell phone and kept our land line. As both of us are out of work at the moment there is no need to pay the expense of a cell.
Darlene Atkinson
I had wanted to do that, but with my husband's health we had to get a cell phone. He wanted a smart phone and we ended up getting him a prepaid one for 60.00 a month. It is expensive, but I want to keep him happy.
Danielle Simms
Which makes more sense for you to do it that way. We are more or less stuck at home, so if anyone needs to get a hold of us they always can. Very rare that we miss a call, so I have come to the decision that if you can not leave me a message on my home phone then I probably don't want to talk to that person anyways :)
Nadine Tidwell
Darlene, Walmart offers a smartphone with unlimited everything for only $45 a month. We absolutely love our phones and the service is great where we live!
Nancy A
What carrier does Wal-Mart use? How is the reception on that and where is the coverage? that has alot to do with it.
Sarah Moore
i have walmart family mobile. they have a lot more signal than most of the other networks i have been on, me and my hubby are on the plan together. we pay only 83 dollars for two unlimited plans.
Tammy Burcham
I usually use my land line. I don't have a cell phone. I use my magic jack when I remember it. I paid a hundred dollars for five years can call any where in the states for that. My kids where telling me that majic jack works with their cells. I am not sure how.
Sarah Moore
i have seen that advertised on tv a few times but never really looked into it. i mainly keep my landline on for my mom. she has a cell phone but it is more for emergencies than anything else
Tammy Burcham
I should say I have the majic jack plus. With that one you can use it without it being plugged into your computer. So it does work more like a land line but you still need the internet connection. Which is how my land line works anyway. With my land line the long distance is free but the local calls aren't. Don't understand that.
Nadine Tidwell
Walmart has several plans. One is through straighttalk the other is through tmobile. I have fantastic coverage almost anywhere and my 3g is awesome. I currently have straight talk because i don't need a new phone, which i'd need to purchase through the family plan. BUT, we are planning on getting it.
Danielle Simms
I am on a monthly plan here with our cable company. (Canadian) I get our cable internet (unlimited) Phone ( free long distance in Canada and the US any time of day) as well as our basic cable for $100 so it's not to bad.
Pegeen McConnell
I know that a lot of people have done away with their land line phones to save money and just have a cell line. We are thinking of doing that, too.
Peg Asus
At first it was weird to not have a landline, but having just the cell phone has worked well for us for years. However my kids have no idea what a land line really IS until they go to my mom's lol Oh come to think of it I think she just did away with her landline
Faye R
We did away with ours too but kept our Internet service after a few months they sent us a letter saying that it was illegal for them to give us Internet service without phone service so they were going to give us a free landline so we had no choice They sent me a new number but I keep it unplugged most of the time because I hate a ringing phone
Kenneth Cody
We have magic jack. We have it so the kids can make an emergency phone call if need be. I remember when I was young and I was taught how to call in the event of an emergency and had a phone number list. My children have the same.
Sylvia Frazier
has anyone else heard of what faye is saying? it this is in any way illegal i guess you would have to color me a criminal ! she clearly states that she got the free ohone,
Sylvia Frazier
i, too, detest a ringing phone and have magic jack. i keep the cell phone off and if the magic phones rings - it most certainly is someone who wishes to speak to ... sylvia! i have seen some confusion surrounding the magic jack phone and that is the only thing that i can associate with everyone NOT having one.
Darlene Atkinson
I have Magic Jack and love it. It is great because I can call people long distance without having to pay any extra fees. I pay $29.00 a year and it is a lot cheaper.
Peg Asus
Whoa, it was illegal to have internet without a landline, Faye? Wow, is that like a law law or was it this company's policy?
Sylvia Frazier
Another great thing I enjoy about Magic Jack and perhaps the best is the fact that your number is not spread around the world for all to see. Paying the provider to get an unlisted number in order to reduce the number of sales calls (for instance) is something of the past !!
Faye R
Peg I don't know but I will find out Our Internet and phone are with a small independent company so it could be there rule but I think they have some board or something that is over them I will find out tho my step son went with Hughes Net and it runs very slow
Peg Asus
Thanks, Faye. I'll check online too and see if I see anything about it being a law that I need to know about. It's been YEARS since we had a phone line though!
Nadine Tidwell
We haven't had a land line ever, haha. We keep our cellphones even though i was a stay at home mom because when my husband was on deployment training, my husband couldn't talk often, but he could text.
Faye R
If I remember correctly the letter stated that the FCC whatever that is had ruled that they could not provide Internet service to customers who did not have phone service with them So I guess this is just with this company
JoAnn S.
Cell phone service is not reliable here. We live in a dead zone. I need the land line in case of emergency. I am not sure if I can get Internet without the land line. Anybody know anything about that? 7/28/14 11:12 am
C W
I go through Comcast internet only. I haven't heard of it being illegal to have internet only. Lots of the big name places like Century Link offer internet only plans.
Dexter Iwamine
Recently I've found a couple apps that reward you for doing normal grocery shopping and buying some things you usually would already! Checkout 51 gives you money back, while you earn points towards cash payouts with Receipt Hog and ReceiptPal. I'm so fond of them already, we've saved over fifteen dollars this week alone.
Pegeen McConnell
Yeah, I have been using Check Out 51 for a few months now. Unfortunately I rarely get anything that's on there other than the 25 cent healthy items and they add up really slowly.
Dexter Iwamine
It's really a nice "excuse" for me to buy things that are a little out of my way, honestly. I adore steak sauce, but we almost never purchase any - but this week, I got $1 back for it! Not only do I get to enjoy the sauce, I also saved a little money for doing so. If you combine the sales with coupons, sometimes it will even pay for itself.
Peg Asus
Someone here just turned me on to Receipt Hog and it was kind of fun and exciting realizing that I could do this and make money on stuff I already bought. The thing is I wish I knew about it sooner!
Nadine Tidwell
I love check out 51. I've heard great things about reciept hog too. I just wish I had more room on my phones for all these apps!
Tiffini Blaisdell
I'm definitely big on saving any money I possibly can! This can be said for just about every purchase I make whether big or small. I use coupons like crazy! I also look for discounts and offers for just about everything! If there's a way to get something for free or cheap I'll do it! :)
Sarah Moore
i try to use coupons sometimes but i find i save more money just from shopping the sales. most of the time when i do have coupons i usually forget what i have lol
Tiffini Blaisdell
lol i used to be that way until i got more serious about it. I have a coupon binder and everything now haha. I can usually score really good deals when i am able to combine coupons with sale items! :)
Sarah Moore
thats good. i know a lot of people that keep their coupons organized like that. most of the time i only have a few coupons on me so it really wouldnt be enough to bother with
Bridget Jones
Tiffini, I have a binder also. Without my binder, there is no way I could keep track of my coupons. Like you, I match sales with coupons and wait for the lowest price possible.
Tiffini Blaisdell
I understand Sarah! Lately I haven't even updated my coupon binder like I used to lol. I've been slacking big time!
Tiffini Blaisdell
Exactly Bridget! I find AMAZING deals at CVS because they combine manufacturer coupons with the cvs coupons so i usually end up with lots of things i end up stockpiling lol
Bridget Jones
And don't forget that you get those ECBs which make for an even better deal! On swagbucks, I cash in points for CVS gift cards (about $50 monthly) therefore, I feel like it's an even better deal since I never spend any actual cash.
Tiffini Blaisdell
Oh I know! LOVE my ECBs!!! I just recently went back to using swagbucks after stopping for a good year or so. Back when I first joined I made a good $300 in paypal of course this was when it was incredibly hard to redeem for $100 lol now I saw the price dropped and I was like"dang i need to get back on there" haha
Nadine Tidwell
Yes! I always do research before buying a product. Store price, coupons, discounts etc. I also factor in the gas prices and gas rewards as part of the total cost .
Tiffini Blaisdell
I'm the same way Nadine! Sometimes it's a lot of work but in the end it really does pay off! :)
Nadine Tidwell
It is a lot of work, haha. But i have the time to spare anyways. I do my couponing while my son is sleeping or while we're enjoying a movie.
Tiffini Blaisdell
Well its good that you do use coupons since you have kids because I've seen the prices for diapers and formula etc! OUTRAGEOUS lol!
Peg Asus
When we went on vacation we flew on several airlines and we saved almost all of the snacks they shoved on us. We saw people just throwing theirs away, but we kept ours and we've had chips and crackers all summer for the kids to take to camp and work lol.
Sarah Moore
i didnt know the airlines really gave out stuff like that but thats cool that they do. im sure they made from great snacks for work and stuff like that. i dont throw anything away unless i know no one in the house will eat it.
Pegeen McConnell
Unfortunately a lot of the airlines are doing away with the snacks - at least the free ones - on short flights. You can still purchase things for an exorbitant price, though!
Peg Asus
we went on an international flight, so we were on the planes for quite a while. When we went on our short flight from Berlin to Cologne the guys there were so nice and they said "we have extras" and gave us each (5 of us) about 10 bags of chips lol. We had brought gifts to our friends in Denmark so we had a whole suitcase empty for our return trip and it was stuffed with free snacks from all those flights. We got chips, crackers, cereal bars, and chocolate
Nadine Tidwell
Hey why not if it's free! I keep them and put them in my snack cupboard or in my purse since they're usually the perfect size for travel.
Phyllis Theisler
Life was so much happier w/o all the "newest" gadgets years ago. I think with people having financial problems it's easier to see you don't have to have the best thing out on the market. And faith and family are the most important.
MacKenzie Drake
I'm sure I've never had all the latest tech -- not by a long shot. That being said, life before computers and cell phones was tremendously boring. When you've done all you can for the day, read all the books you have available, and have nothing but a radio and a local telephone to keep you in touch with the world, boredom can be very difficult to deal with. I think a lot of of us have forgotten what real boredom is.
Peg Asus
My husband likes to have the cool new thing out there, he works with all tech geeks anyway, but I like the hand me downs and I will use a thing til it dies pretty much (or can no longer be upgraded system wise). I use my phone to keep in touch with my family :)
Sarah Moore
agreed, faith and family are the most important things in life we can have. i cant say i dont love my gadgets though, but i dont feel the need to update every time a new model comes out. i think the prices some people pay for phones is so ridiculous
Brittany Richardson
Frugal tips we use. We use the same bottle for water day in and day out. We save cans. We save change. We do hand me downs. We repair clothes and we try to reuse things from prior school years.
Jacob Hong
We use the same bottles and refill them up for water as well. It's nice for things like water, since you can't really tell if it's been refilled or not. I think its a nice way to be ecofriendly and save money at the same time!
Peg Asus
When we go to starbucks and get ice water on our walks (free), we will save the cups and come home and reuse them for awhile - usually ending in making my kids smoothies :)
Sylvia Frazier
case in point - someone mentioned something that i do as a matter of fact. done it my whole complete adult life. this thing that she saw was on a tv show called " Extreme Cheapskates". i tell ya - gone to heck in a handbasket. when something done, as a way of life for me, in order to rule out the non-necessities of living has devolved to a topic on ... on ... that show! fellas, while i may or may not cheap - everyone can easily dismiss one-fourth of so-called necessities in their own life. simple. easy. takes a little frugal THINKING and then you can put that cash on your retirement. so very serious.

Tammy Burcham
Remember when it was a greater gift to get something home made than store bought because of the time some one took to make it. I lived on hand me downs most of my life. and didn't think anything about it until my kids went to school and everyone compared prices and quantities of gifts. I guess I was blessed not growing up with designer anything. We had two department stores Alco and JCPenny.
Peg Asus
What was the thing, Sylvia? Was it something that I mentioned? I know that I've been talking about that show a lot lately.
Nadine Tidwell
I still believe that there is so much more worth in a homemade gift. I am planning on making fabulous homemade gifts this year, to teach everyone the same thing.
Tammy Burcham
That would be so awesome. I don't have a great talent in that department. I am looking into some ideas. Like weaving out of different things like paper, magazines. Making baskets with them or something to that nature.
Peg Asus
I love giving homemade gifts. In fact I had asked on the Q&A about 2 weeks ago if a cake was a good gift or if it made me seem cheap. So let me just tell you I put so much love into this cake - my friend loves peanut butter and I made a gorgeous peanut butter chocolate cake for him along with soft pretzels - he said it was an awesome gift and made him feel so special :)
Tammy Burcham
That cake sounds good. I think that was an excellent gift. It was great for him and that's what you wanted. To make him feel special.
Sylvia Frazier
keep yaking everyone - way to go and hat's off to all. now peg, i'm not talking !! it was about limiting the amount of hot water available for use in the household. did i make any point? sometimes i feel like a rambling nut ! shoot, na, they had to make things at home because of the cost at the store - ready made. it is still the cost at the store that keeps us looking at what we can do without!
Darlene Atkinson
@Peg, I saw that post and if I remember correctly your friend's birthday is close to mine (mine was Friday the 18th). I always make homemade gifts for Christmas and Mother's Day.
Peg Asus
Yep, I remember everyone was so supportive of the homemade gift and it was so perfect. I mean sure there are misses when someone doesn't consider who they are making something for (for example if I'd made that and he'd been allergic to peanut butter it would not have shown that I knew him very well) but it's STILL the thought that counts. when I made his soft pretzels I even shaped them into the number of his age LOL

Sylvia, Oh yes, that was a post I had made, but I totally agree that it is a smart thing to do, but it was yes shown on a show that said it was an extreme thing to do. You are right, this is the way people did it years ago, it's not extreme in some of these cases, in some it truly is frugal, not extreme. My grandmother reused every pie tin, container, bag, twist tie that passed through her home. I find myself admiring her more these days with all the waste.
MacKenzie Drake
The problem I have with reusing everything that comes through is that a lot of times it's not something I have any use for at all. I don't need used shrink wrap or the masses of shopping bags I end up with if I forget to take my reusables to the grocery store, for instance.
Peg Asus
that's true too, MacKenzie - I like to reuse and keep things that are useful. I won't keep clutter, but I do think about needs I've had in the past so many months to see if it's worth keeping. I have a reusable bag in my purse and for me that is the difference between saving 10 cents and not once they start charging for bags
Sarah Moore
i like to use the reusable bags when i go shopping too. one grocery store in my area actually takes five cent off your bill per bag that you bring in
Joan K
I think what blows me away are all the products I think I "need' Slowly but surely I am trying to substitute baking soda, H2O2, lemon, etc for my cleaning products.
Peg Asus
Vinegar is one of the most miraculous products out there for replacing chemical cleaning products. We found a great spot remover recipe which takes time, but works great with hydrogen peroxide.
Tammy Burcham
I used vinegar the other night to get bugs off of my porch. Can't swear that it really worked, but, I haven't seen those bugs there since.
Laurel Cecil
Tammy, did you spray the vinegar around or what? Would it work to spray on screens?? Any kind of vinegar??
Kara Kelso
I use a spray bottle with vinegar and a little dish soap as an all purpose cleaner. It also works as a bug repellent, but I don't think as much of a bug killer.
Tammy Burcham
No I dumped it straight on the porch. I didn't even think to dilute it. Thanks Kara now I know what to do with the water from my cucumber and onions. Or I might just wash the windows with it.
Joan K
Thanks everyone for suggestions, Vinegar smells so badly I am reluctant to use it. I even tried soaking orange peels in it and it still smelled weirdo..
Peg Asus
I did an orange vinegar once too, I wasn't the hugest fan, I think in this case you almost have to "turn into the skid" and go with it - since it's so tart, go with more of a lemon scent
Kara Kelso
My daughter made soap for awhile so we still have bottles of fragrance oil we will sometimes put in the mix. Hides the vinegar smell nicely, but half the time we don't bother because it's not a big deal. To me a natural vinegar mix smells "clean" while the store chemicals just makes my throat start to close up.
Marsha Cooper
Making cleaners from natural products is so much better all the way around over using chemicals.
I do buy cleaners though when there is a good sale and coupon to match making them just pennies.
Sylvia Frazier
on an offbeat subject - kinda! i do buy spray "cleaners" for a replacement of insecticide, like raid. yes, you read right. makes one wonder what the heck is that stuff!!! give her a try - spray it on a bug, flying insect - it don't work so pretty good on the common house fly but all else will be dead in 5 seconds. i can't complain about the lingering smell, either
MacKenzie Drake
Alcohols, ammonia and chlorine will all kill bugs if you can hit them with it. Aerosol fragrances and hairspray will work on most of them as well, but keep them away from open flame. A group of people hanging out at my neighbor's apartment freaked over a spider and shot it with hairspray, then hairspray with a lighter. Fortunately, the emergency fire extinguisher put out the resulting fire on their door frame....
Peg Asus
oh shoot, MacKenzie, that is crazy that they did that! I mean I've done hairspray in a pinch because something freaked me out, but I've never done the lighter although I see it in movies lol
Tammy Burcham
I can't handle the raid bug spray. It will close me up and I will wheeze for days. Most aerosols will do that to me. MacKenzie, I think squashing the spider would have been just as effective, but, probably not as much fun.
Pegeen McConnell
I can't figure out how vinegar could be used in a bug repellent, since it seems to attract fruit flies like crazy around my house. That is interesting. Does it work?
Sarah Moore
the raid bug spray does seem to be pretty strong, we live out in the country and have a cockroach problem sometimes. i have been using black flag lately. it still smells but seems to work pretty well
Tammy Burcham
I plant a few of my tomato plants upside down in hanging baskets and a few in pots. I bring them in doors when I need to. The latest in the year that I picked tomatoes from the vine was Dec 17
Nadine Tidwell
Thats awesome! I've heard good things about the upside down plant holders. Plus, who doesn't love fresh tomatoes all year round?
Joan K
Tammy --good to know! I have seen upside down plants. I think I was even given one I never grew but I never knew anyone who had success with them. TY
Tammy Burcham
I don't think you get as good of a yield as you would planting them int the ground.. I also use heirlooms I think they taste better but unlike hybrid the yield doesn't come in at the same time
Tammy Burcham
Your welcome Joan K. Even planted in pots the right side up they can be brought indoors when it gets cold. I don't have much good growing yard, a lot of shade. So I am doing my best at container gardening.
Joan K
Tammy there is nothing like home grown tomatoes is there. I live in an apartment now and missing the garden veggies.
Tammy Burcham
Home grown is the only way to go. Store bought have no taste and sometimes the color is suspicious looking. Joan, Next year I am going to try to make a garden out of a pallet. I seen it on swagbucks, I think then I just looked up pallet gardening. It will show you how to make it. If you have any kind of out door space like a patio or balcony.
Kara Kelso
I've got a window seat of sorts that I've started putting container plants in. One is broccoli which I'm anxious to see if it grows inside or not. We started it in a larger container outside, but the bugs ate all the leaves to the point I thought for sure it was dead. But as soon as I brought it inside and put it in the window, it grew back and is looking pretty healthy. We'll see how it does later on in the year and as it matures.
Tammy Burcham
Kara I hear broccoli is hard to grow. I hope it works for you. Let me know how it goes. I will give it try. I am trying my luck with spinach. I also hear on that one that you just cut off what you want and it keeps growing back. This my first shot at that.
Pegeen McConnell
I just met a couple who are living in the woods around the corner from me, "off the grid," They bought some property and will be building eventually, but for now they are living in a camper. No rent!
Tammy Burcham
I know of a couple that dd that. Also people living at rest stops until the cops find out. My Dad always said to own things out right. No payments.
Pat Veretto
I would love to live off grid like that, but it really takes two people to do it right. Add foraging and urban foraging and a few other ways to get freebies and you wouldn't have to have much of an income at all
Tammy Burcham
I wish I knew more about wild plants. I like to forage. Dandelions give me a headache so I leave them alone. I do like clover and have a yard full of it.
Heather M
Pegeen, it is great that they are forging their own path. Living like that will allow them a chance to get to better know that piece of land before they build in addition to being able to save more money in order to take that step.
Peg Asus
Man, some days we seriously consider doing something like that. I get so tired of all the stuff that ties us to money.
MacKenzie Drake
Even if we can't get completely off the grid, we can do some things to be less dependent on money. Growing and foraging food are both good, and those who know how to work with solar cells and so on can certainly reduce electrical use for things like charging batteries and cell phones pretty much on the go. To me there is quite a bit of overlap between frugality and alternative means to get what we need or don't want to do without.
Terry McDermott
I am very frugal. I try to keep a good car because my family lives off and I do a lot of driving. As far as furniture and appliance I look for used and bargains. I try not to use a credit card unless it is an extreme emergency. In other words I do not spend more money than I make.
Kenneth Cody
it sounds like you have a very good handle on your things and being frugal. I think the key too though is not living beyond your means. something most people could benefit from
Faye R
We live on a fixed income so we have to try to save every way we can We did not know that we were going to be disabled this early in our lives so we don't have a lot of savingsAnd we were blessed with 3 girls to take care of that we did not plan for so I try to make extra money and stretch everything as far as it will go This has taught me a lot about being frugal If you don't have it don't spend it
Katharine Danae
That's pretty good! I'm trying to work on being more frugal. Once I pay off my credit card I'm only going to use it for emergencies, and I try to save on gas.
MacKenzie Drake
My roommate is doing that with his cards. I'm willing to carry the bills to some extent, but frugal is also important. I'm getting so the only money that goes out on my hobbies is what I make online. It keeps my spending short and gives me motivation to keep working.
Nadine Tidwell
That is a really good way to do things. My husband went crazy with credit cards when he was younger and it took us a while to get them paid off. Now we pay for everything out right, we just put it on the credit card for points and pay it off right after.
Joan K
I try to subtract in my checking account whatever I charge . I like the cash backs. I sometimes forget to do this but I like my system.
Darlene Atkinson
I do not have a credit card either, but have been thinking about getting one since we will have to rent a car next summer for our trip along the California and Oregon coasts. I had looked into renting a car and they charge more money if you pay cash.
Darlene Atkinson
@Faye, I know how you feel because my husband is almost 49 (he will be on Monday) and he is on disability. It is hard to live on his social security disability only, but we manage. My brother lives with us and he pays a lot of bills. I make money online and eventually it is my goal to start selling things online. I am doing a craft fair in October and am very excited. I am glad that my husband let's me take care of the finances because if he did that we would always be broke.
Sarah Moore
i do not believe in credit cards. that is just asking to get yourself into debt. if we cant afford something we want we either save up the money or on ocassion i will get something from a rental store but i do not even own a credit card
C W
Debit cards can be used to rent a car. I've done it. However, they put an authorization on your account to make sure you have the funds to cover the payment.
Nadine Tidwell
I am frugal by nature. even as a younger kid. My mom always gave me **** for it, saying i was "cheap". Now, I have learned the difference between frugal and cheap and she is jealous of my skills! Frugality is an artform!
Sylvia Frazier
pegged it, nadine. it is an artform, practiced throughout life - or not. there is a whole of the not around. imagine, year 2030, teenagers now, then -having families of their own. let's look at what their eyes saw as they grew - spend, spend, work, work, spend, 2nd mortgage, credit cards maxed out, spend more and work (what a life!) ... then their ears have only heard complaints about where DOES all the money go? where is the artform in all that? crazy crazy world - we used to call it, keeping up with the joneses.
Nadine Tidwell
Lol! I am determined to teach my son the value of life. My husband grew up poor, but never learned any disapline with money. being married to me, has taught him a lot. If he wants something- he'll get it. Maybe not as soon as he'd like, but eventually! He wanted a PS4, so i buckled down and paid for it through my swagbucks earnings.
Sylvia Frazier
he can't help himself! don't blame him - it is something that evolves naturally when always wanting as a kid. which hits on something - i grew up with little but never really wanting/needing much. guess, if it was something we NEEDED - we got it. gave me a keen eye for the distinction of what is needed and what is wanted. mind you now, there is nothing, at all, incorrect with either. we b what we b. how bout your upbringing? (and on a side note, do you recommend swag?)
Kara Kelso
How's this for frugal.... we just picked our first jalapenos from the garden, which we took the seeds from and planted in recycled yogurt containers. Figure we will eventually transfer them to bigger pots since it's too late in the season to plant them in the garden.
MacKenzie Drake
That's great! Can you move them indoors to a sunny window once it's starting to cool off outside? Those decorative pepper plants we see at Christmas are just a small variety of hot pepper. VERY hot pepper, in my experience.
Kenneth Cody
Sounds pretty frugal to me, pretty cool too. My daughter likes hot peppers too. Whether its your first or 21st I'm sure it must feel rewarding to know you've grown it
Nadine Tidwell
That is very frugal! I am so envious of everyone with a garden! I wish I could have one where I live! Hope you get a great bounty this year!
Kenneth Cody
I really do want to have a garden, I'm not quite sure how to start though, we live in florida, lots of bugs and lots of sand.
Kara Kelso
Planning on having several plants indoors just to see what will grow in the winter. I haven't ever seen pepper plants at Christmas but that's a cute idea! We've got so many seeds still coming, I'm sure we'll try some different stuff as they come :)
Faye R
I have also thought about trying to grow some tomatoes inside because you can not buy a good tomato in the winter and I love fresh tomatoes more than anything We have so many right now that I am putting them in the freezer
Kara Kelso
How do they hold up in the freezer? I've tried canning a bit before, but not with a whole lot of success. Most the time we eat what I can faster than they grow, even when there are tons of them lol. Seems like it takes a lot of tomatoes to make one good sized can of sauce.
Faye R
Kara I put mine in the freezer because I lost them all one year when I canned them They are only good for soup or sauces You can't slice them ( oh I wish) I have about 400 tomatoes waiting on me right now but I wanted to try to get a little closer to my goal for today Once I go in the kitchen it's hard to get back to my computer LOL
Pegeen McConnell
I am wondering if they will germinate or if the peppers needed to be pretty much gone by too far to eat in order for the seeds to be mature enough. Let us know, please!
Kara Kelso
The green pepper seeds we saved from store-bought peppers are already sprouting (and actually, we have several in the garden that we started last spring from store bought small sweet peppers... they aren't blooming yet but about to). Not sure about the jalapeno seeds fresh from the garden yet. I felt they looked a little immature so they might not germinate, but we'll see.
Sylvia Frazier
my humble opinion is that everyone has completely loss their mind ! what exactly is it that you need to survive in a day of your life? make a list - don't worry, i will wait! for me, i have got to have hot water, for instance. that in and of itself requires little of what "normal" people feel that it takes. i do not need hot water 24 hours a day - especially over the course of time that i am asleep or not at home. yet, in your home, i am willing to bet, 365 days out of year (8,760 hours/1/2 of 1 million minutes) i can turn a faucet (actually multiple) on and get water hot enough to boil your skin. What is the lowest temperature available to set your hot water heater at? be creative - there are thousands of ways to be frugal (that used to be called good common sense)
Peg Asus
How much were you willing to bet, Sylvia? LOL I actually don't have hot water right away because we do have the water heater set at the lowest. In order to force hot water to our shower when we need it we also simultaneously run the dishwasher. I did just see a show where a woman took her frugality too far and she would go out and turn on her electricity for 22 minutes to let the water get hot, time it, take a 2 minute shower, then she went and turned the breaker switch back off.
Sylvia Frazier
bet ? o yeah ! anybody but peg's house !! W2G guys - got to admire good common sense. albiet, i don't understand how the dishwasher forces the water. KEEP UP THE GOOD WORK - doesn't it take someone to just plain think OUT of the box??
Peg Asus
You know what, someone who is more knowledgable in plumbing or something might know, but my husband always says if we want the hot water to get there quicker, we should open up another faucet in the house in a close vicinity to where we want the water to get hot - it's weird, but it works lol
Sylvia Frazier
did not want encroach on my thumbs up for peg - i am not at all certain that frugality can be taken to far! however, i think as we become adjusted to living IN the idea of being frugal we can readily identify where our individual comfort zone lies. Assuming, this lady, peg, doesn't cut the electricity off to the entire house (?) there is absolutely nothing wrong with the way she saves on heating water. my hot water heater went "out" some time back and when i mentioned that i had practiced throwing the breaker on that heater circuit for *decades* (i don't think i ever made it to the part of explaining conversation) this is what i heard, "you can't do that. that is your problem - the breaker". the heck i can't!!! he didn't even offer the electrical device so i could see if the heater was getting electricity (with the breaker on, of course)
Peg Asus
Sylvia, it was a show called Extreme Cheapskates. I can't say for sure if it was just the one breaker she switched or not, but you know, I agree that we each get to that place where we are comfortable and we live how we need to. As long as you aren't hurting anyone else I say do what you gotta do
Kenneth Cody
Ive seen the show Extreme Cheapskates. I do like the show although some of those people are well, quite extreme lol Some things aren't for me, but its not my life so who am I to say really.
Faye R
Our water heater is in a storage room in our carport and the bathroom is all the way at the other end of the house My husband cuts on the hot water at the bathroom sink so it will run while he shaves and by the time he's thru it's ready in the shower but I tell him that its a waste of water if you are not using it he says Im cheap but I don't care Waste not Want not now to get my kids to stop wasting things is the tiket
Peg Asus
If you had met me 10 years ago, you would not recognize me. I was shopping and going out all the time to keep up with my friends. I really only just finally got in control of my finances and the hardest part was getting my husband on board. He really likes to spend and he always starts off a lot of sentences with "you know what we could use..." When I need to refocus him, we have a sit down and chat, but we've had to go as far as to have separate accounts because when we were younger he was a "we still have checks how can we be overdrawn" kind of person. He isn't that lame about it now, but I still feel that sometimes he sitll doesn't quite get it. He thinks about now I think about later
Heather M
It is good that you found your way out of that mindset and, for the most part, have gotten your husband on board.
Kara Kelso
I'm still working on my other half. Whenever he gets an idea to do anything, it usually has a price tag attached. "I just need this and it's only $20". Um, no. Find something around the house and make it work... we have a LOT of junk around here!
Peg Asus
oh MY GOSH Kara, seriously my husband is the same dang way - "but it's only $25". I feel like he just collects stuff - so he'll use it because it's useful, but it seems to have a limited use. I think in a perfect world we would be able to say "I'm looking for XYZ does anyone have one I can borrow for a week. Like a library, but for tools or anything else that is safe to borrow.
Heather M
Peg, there are actually some communities that do have tool-lending libraries. Portland and Seattle are two cities in which they exist.
Darlene Atkinson
I am more of a saver than my husband. Even now that my husband only gets disability he still spends money like crazy. I am trying very hard to save money for our long over due honeymoon and all he does is spend money. I try to limit how much he spends, but it does not always work. Like for my birthday he spent 51.00 on our meal out. I am looking for ways to save money on his meal.
Kris P. Bacon
Yep, I'm NEVER combining finances with my boyfriend, probably not even if we end up married. He's way too irresponsible, and instead of saving anything he just spends and spends on eating out and buying video games and music.
Darlene Atkinson
Before my husband and I got married we had a joint savings account so we can save for the wedding (his mom and my parents could not afford to pay for it all) and most of the money we had left over stayed in our savings account until my husband had lost his job then we needed the money to pay bills and survive. I am not working and the only income we have is my husband's disability, but I do keep track of our finances. I am making money online and also get amazon gift cards (which will help with Christmas).
Kenneth Cody
I use all my online sites for anything extra the wife and I want mainly because, we don't usually want much. Pretty much anything we do want goes right into the house anyway.
Bridget Jones
7/21/14. In my house, I am the saver and hubby is the spender. We have had separate bank accounts for years because that is just easier for my stress level.
Jessica Paton
The one thing I hate about living frugally and only buying clothing when it goes on sale is that sometimes it goes on sale and I need to conserve my money anyway. I have to decide between buying a new piece of clothing or saving my money and regretting that I didn't make the purchase. It's never a good decision in the moment.
Peg Asus
I agree. I told my son I was having a really hard time spending money today. They were having an amazing sale on sandals - the ONE thing I've been looking for that would make my fancy outfits a little more casual. I really like the look of those flat sandals that are a little bejeweled on the straps. Anyway, I couldn't find any that were the right price in the dept stores or Payless and today I found some at Walmart. I was so happy and they were 9 dollars. I did decide to get them, but it was hard to decide. They were on sale since it's the end of the season which is great as we have very warm weather or nice sandal weather nearly year round.
Jessica Paton
I miss the days when I was a kid and didn't have to worry about money! This frugal living deal is okay most days but when I have to make hard decisions it's even harder. Clearly whoever said money doesn't buy happiness never had money!
Kenneth Cody
Ahhh, to not have financial responsibility. Wouldn't that be nice! I do miss the days where I didn't have to worry about things. Now it seems everyone has their hand in my pocket before I do. I hate that no amount of money seems to be enough.
MacKenzie Drake
7/20/14 I get tired of the timing and having to figure workarounds or do without a lot of stuff. I wanted to do a sewing project recently and every time I turned around it was a change here, an alteration there or in one case handing off a shirt I had marked for adaptation to someone else who could wear the shirt as it is. It's crazy-making at times.
Kenneth Cody
My kids still don't understand it yet, we are trying to work with them on learning the value of a dollar, and working hard for what you want. No matter what I want them to know you have to earn it. Nothing is ever handed to you
Faye R
At least you are trying to teach your kids that they have to work for what you want or need Too many parents today just buy stuff to keep their kids quite for the moment Mine have to do chores for what I buy them and it doesn't hurt them at all I grew up doing chores I am thankful that my kids are learning the value of working for what you want I love them and could buy more but more is not always the best way to go
Alescia Donlin
We try to live as frugal as possible, but i agree, it is hard. I give serious credit to people who can commit to couponing, making homemade cleaners, detergent, etc. I try to live frugal by not impulse buying and using a cash only system.
Pegeen McConnell
I do couponing pretty steadfastly, but I've never tried making my own home made cleaners. I do have friends who have done that, though, and I ought to ask for lessons.
MacKenzie Drake
I have a friend who turned me onto the alternative cleaners, and a year or two later, she's only kept a few of them. Her focus is more on simplicity and minimalism, both of which can overlap with frugality, but in terms of keeping things simple and low-cost it helps to consider how much of something you actually use and how much time you put into making something compared with using the same time to write or work at something that can make you money. Some things, like vinegar in the wash in place of fabric softeners or dryer sheets, do make a lot of sense in several ways, including saving money. All the best in your experiments!
Kenneth Cody
We use a ton of vinegar in the house. Mainly because of its multiple uses. I like your friends concept. You can buy a jug of vinegar quite cheaply and can not only use it for glass cleaner but can use it for laundry among other uses.
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