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Welcome Frugalistas!

What exactly does frugal lifestyle mean?  I believe it’s being smart and savvy in your choices. Prioritize and take control of what’s important to you and you will come out ahead.

This blog and website offers frugal tips and money saving ideas to help you live a richer life. Save money on everyday living. Start living the "Frugal Lifestyle" today.

Spend Less  • Earn More • Live Better

Books Warren Buffett Thinks Everyone Should Read

3/3/2017

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​I believe we can all benefit from what books billionaire Warren Buffett have read. After all, he is one of the most successful investment moguls in the world. Here is a list of 9 books Warren Buffet thinks everyone should read. These books are helpful guides to anyone looking to be a little more business savvy.
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When Warren Buffett started his investing career, he would read 600, 750, or 1,000 pages a day. Even now, he still spends about 80 percent of his day reading. "Look, my job is essentially just corralling more and more and more facts and information, and occasionally seeing whether that leads to some action," he once said in an interview. "We don't read other people's opinions," he says. "We want to get the facts, and then think."

​To help you get into the mind of the billionaire investor, Business Insider rounded up his book recommendations over 20 years of interviews and shareholder letters.

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1. The Intelligent Investor by Benjamin Graham

When Buffett was 19 years old, he picked up a copy of legendary Wall Streeter Benjamin Graham's Intelligent Investor. It was the one of the luckiest moments of his life, he said, because it gave him the intellectual framework for investing.

"To invest successfully over a lifetime does not require a stratospheric IQ, unusual business insights, or inside information," Buffett said. "What's needed is a sound intellectual framework for making decisions and the ability to keep emotions from corroding that framework. This book precisely and clearly prescribes the proper framework. You must provide the emotional discipline."

Click here for book details.

     
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2. Security Analysis by Benjamin Graham

Buffett said that Security Analysis, another groundbreaking work of Graham's, had given him "a road map for investing that I have now been following for 57 years."

The book's core insight: If your analysis is thorough enough, you can figure out the value of a company — and if the market knows the same.

Buffett has said that Graham was the second-most influential figure in his life, after only his father. "Ben was this incredible teacher; I mean he was a natural," he said.

Click here for book details.


    
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3. Common Stocks and Uncommon Profits 
by Philip Fisher


While investor Philip Fisher — who specialized in investing in innovative companies — didn't shape Buffett in quite the same way as Graham did, he still holds him in the highest regard.

"I am an eager reader of whatever Phil has to say, and I recommend him to you," Buffett said.

In Common Stocks and Uncommon Profits, Fisher emphasizes that fixating on financial statements isn't enough — you also need to evaluate a company's management.

Click here for book details.


    
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4. Stress Test: Reflections on Financial Crises 
by Tim Geithner

Buffett says that the former Secretary of the Treasury's book about the financial crisis is a must-read for any manager. 

Lots of books have been written about how to manage an organization through tough times. Almost none are firsthand accounts of steering a wing of government through economic catastrophe.

"This wasn't just a little problem on the fringes of the U.S. mortgage market," Geithner writes. "I had a sick feeling in my stomach. I knew what financial crises felt like, and they felt like this."

Click here for book details.

   
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5. The Essays of Warren Buffett 
by Warren Buffett

If you want to get to know the way Buffett thinks, go straight to the Sage himself.

In this collection, he keeps it very real — in his signature folksy-intellectual fashion.

"What could be more advantageous in an intellectual contest — whether it be chess, bridge, or stock selection —than to have opponents who have been taught that thinking is a waste of energy?" he asks.

Click here for book details.

    
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6. Jack: Straight From the Gut 
by Jack Welch


In his 2001 shareholder letter, Buffett gleefully endorses Jack: Straight From the Gut, a business memoir of longtime GE exec Jack Welch, whom Buffett describes as "smart, energetic, hands-on."

In commenting on the book, Bloomberg Businessweek wrote that "Welch has had such an impact on modern business that a tour of his personal history offers all managers valuable lessons."

Buffett's advice: "Get a copy!"


Click here for book details.

    
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7. The Outsiders 
by William Thorndike, Jr.


In his 2012 shareholder letter Buffett praises Outsiders as "an outstanding book about CEOs who excelled at capital allocation."

Berkshire Hathaway plays a major role in the book. One chapter is on director Tom Murphy, who Buffett says is "overall the best business manager I've ever met."

The book — which finds patterns of success from execs at The Washington Post, Ralston Purina, and others — has been praised as "one of the most important business books in America" by Forbes.


Click here for book details.

      
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8. The Clash of the Cultures by John Bogle

Bogle's The Clash of the Cultures is another recommendation from the 2012 shareholder letter.
In it, Bogle — creator of the index fund and founder of the Vanguard Group, now managing $2 trillion in assets — argues that long-term investing has been crowded out by short-term speculation. But the book isn't all argument. It finishes with practical tips, like:
1. Remember reversion to the mean. What's hot today isn't likely to be hot tomorrow. The stock market reverts to fundamental returns over the long run. Don't follow the herd.
2. Time is your friend, impulse is your enemy. Take advantage of compound interest and don't be captivated by the siren song of the market. That only seduces you into buying after stocks have soared and selling after they plunge.

Click here for book details.

    
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9. Business Adventures: Twelve Classic Tales From the World of Wall Street by John Brooks

Back in 1991, Bill Gates asked Buffett what his favorite book was. To reply, Buffett sent the Microsoft founder his personal copy of Business Adventures, a collection of New Yorker stories by John Brooks. Gates says that the book serves as a reminder that the principles for building a winning business stay constant. He writes:

For one thing, there's an essential human factor in every business endeavor. It doesn't matter if you have a perfect product, production plan and marketing pitch; you'll still need the right people to lead and implement those plans. The book has become a media darling as of late; Slate wrote that it's "catnip for billionaires."

Click here for book details.


- Drake Baer
Disclaimer: This post contains Amazon affiliate links. Thank you for your support.



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This Book Will Make You Rich

1/8/2016

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Did you make any new year's resolutions? Have you ever dreamed and wished you were rich? This book by James Roguski will make everyone who reads it a better and greater person. It will equip you with a working knowledge of the inner power that enables each of us to achieve any worthy goal and to enjoy all the pleasures that life has to offer.

You can unfold all of the buried talents and powers that lie dormant within you and learn how to apply these powers to increase your effectiveness, your energy, your discernment, your vigor and your mental capacity. You will learn exactly how to succeed at anything and everything you choose to do.

When you apply the information in this book, you will take possession of long lost abilities and secure results that you may have never dreamed possible.  Amongst these are the recognition of opportunity, a strengthening of your will, better use of your imagination, improved reasoning, and a more controlled use of your intuition, desire and emotions.

You will increase your initiative, your tenacity and your wisdom as well as your enjoyment and satisfaction in life. This book will help to attune you with the Infinite Intelligence so that you will attract all that you need into your life, repel all that you do not want, and live in harmony with the fundamental laws of Nature and Sprit.

Every person who is blessed to discover and place into practice the knowledge that is found on the pages of this powerful book will have substantial advantages over everyone else on earth. Some people seem to attract success, power, wealth, love and happiness with very little effort. Why? Because they know something that you do not know.  Read the book.  Improve your life.  Improve the world.

Click HERE to read the book. Click HERE to buy the book.

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Resolutions For The New Year

12/28/2015

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As we approach the end of 2015, most of us look ahead to the new year and make a handful of resolutions, goals, wishes, intentions, dreams, whatever you wish to call it - the slate is clean to start fresh and new!

Some of the most common new year's resolutions are...
  1. Lose weight/get fit
  2. Make more money
  3. Eat healthier 
  4. Get out of debt
  5. Spend more time with family/friends
  6. Quit smoking/drinking
  7. Get organized
  8. Reduce stress
  9. Improve career/job
  10. Travel to new places

I consider myself fortunate that I've either achieved or don't need to worry about some of the most common resolutions listed above. For instance, I am very organized, I have minimal debt, I don't have stress in my life, I get together with close friends on a regular basis and I try to make smart eating choices. However, there are still some goals or resolutions that I would like to check off my list by the end of 2016. 

Next year, I plan to continue to strive to achieve these on-going goals:
  • Continue to live the frugal lifestyle and save money wherever and whenever I can.
  • Automatically put away money towards the next dream vacation.
  • Eat healthy, whole, nutritious foods (vs. processed & fast foods) as often as possible.
  • Work on DIY home improvement projects.
  • Plan a trip to either Spain, Ecuador or Australia.
  • Discover additional sources of passive income.
  • Improve my finances and in order to have more financial freedom.
  • Volunteer at an animal shelter, foster or rescue an English or French Bulldog.
  • Go for longer walks and take yoga classes.
  • Donate to various charities, especially animal organizations.

The primary goal I would like to achieve in 2016, is to have more financial freedom! I'd like to think that I am wiser as I get older. But most importantly, my goal and purpose is to experience joy everyday, all year long. And to be grateful for the many blessings in my life.

Have a healthier, happier, wiser and wealthier year ahead! ​
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The Real Cost of the American Dream

3/30/2015

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Here's an eye opening infographic about the real cost of the "American Dream". Sadly most Americans have not achieved "the dream". Scroll down to read all the statistics. Spoiler alert: one of the 4 ways to afford your own American Dream... Be Frugal - Even If You Don't Have To Be. Frugality is a lifestyle choice!

The Real Cost of the American Dream
Source: TopAccountingDegrees.org
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A Happy and Prosperous New Year

12/31/2014

 
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The end of 2014 is here, most of us look ahead to the new year and make a handful of resolutions, goals, wishes, intentions, dreams, whatever you wish to call it - the slate is clean to start fresh and new!

Some of the most common new year's resolutions are... 1) lose weight, 2) make more money, 2) eat healthier, 3) get out of debt, 4) spend more time with family and friends, 5) help others 6) quit smoking/drinking, 7) get organized, 8) reduce stress, 9) improve career/job, 10) take a trip.

I consider myself fortunate that I've either achieved or don't need to worry about some of the most common resolutions listed above. For instance, I am pretty organized, I try to eat in moderation, my only big debt is my mortgage, I don't smoke or drink (too much), I hardly have any stress, I spend as much quality time with lifelong friends and I take a trip at least once a year.

At the end of 2013 I made a list of goals for 2014 that I either maintained or achieved. For example, I am (finally) going to Paris in August. I go for daily walks combined with additional income by starting my own dog walking business. This one achievement ticked off 3 of my "resolutions" for 2014... 1) go for walks, 2) improve my finances, 3) be around more dogs. However, there are still some wishes, dreams or resolutions that I have added to my list for 2015.

In 2015, I plan to continue to strive to achieve these on-going goals:
  • Live the frugal lifestyle and save money wherever and whenever I can.
  • Earn additional income in order to have more financial freedom.
  • Maintain a realistic weight for my body frame.
  • Eat healthy, whole, nutritious foods (vs. processed & fast foods) as often as possible.
  • Adopt an English Bulldog or French Bulldog.
  • Attend regular yoga classes.
  • Donate to various charities, especially animal organizations.
  • Plan next vacation to either Spain, Australia or anywhere in the Caribbean.
  • Acquire an affordable investment property.
  • Be healthier in mind and body.

The main goal I had in 2014, was to have financial freedom. I believe I have accomplished that. By having a simpler lifestyle and being aware of how I spend my money I feel "richer" in more ways than one. The most important insight I have learned this past year is that our true purpose is to have JOY in our lives. My main resolution for the new year is to be joyous and abundant in every way. 
       

30 Things to Start Doing for Yourself

10/26/2014

 
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Here are 30 positive things to include on your To Do list for a happier and better life. This article comes from MarcAndAngel.com - a site with practical tips for everyday living.  Many of these tips align well with the frugal lifestyle, especially #9 - Start Enjoying The Things You Already Have and #30 - Start Noticing How Wealthy You Are Right Now. On a personal note, I started planning towards one of my dreams... I finally booked our apartment in Paris for next summer - et oui, il est trés savvy! More about that in future posts:)

  1. Start spending time with the right people – These are the people you enjoy, who love and appreciate you, and who encourage you to improve in healthy and exciting ways.  They are the ones who make you feel more alive, and not only embrace who you are now, but also embrace and embody who you want to be, unconditionally.
  2. Start facing your problems head on – It isn’t your problems that define you, but how you react to them and recover from them.  Problems will not disappear unless you take action.  Do what you can, when you can, and acknowledge what you’ve done.  It’s all about taking baby steps in the right direction, inch by inch.  These inches count, they add up to yards and miles in the long run.
  3. Start being honest with yourself about everything – Be honest about what’s right, as well as what needs to be changed.  Be honest about what you want to achieve and who you want to become.  Be honest with every aspect of your life, always.  Because you are the one person you can forever count on.  Search your soul, for the truth, so that you truly know who you are.  Once you do, you’ll have a better understanding of where you are now and how you got here, and you’ll be better equipped to identify where you want to go and how to get there. Read The Road Less Traveled.
  4. Start making your own happiness a priority – Your needs matter.  If you don’t value yourself, look out for yourself, and stick up for yourself, you’re sabotaging yourself.  Remember, it IS possible to take care of your own needs while simultaneously caring for those around you.  And once your needs are met, you will likely be far more capable of helping those who need you most.
  5. Start being yourself, genuinely and proudly – Trying to be anyone else is a waste of the person you are.  Be yourself.  Embrace that individual inside you that has ideas, strengths and beauty like no one else.  Be the person you know yourself to be – the best version of you – on your terms.  Above all, be true to YOU, and if you cannot put your heart in it, take yourself out of it.
  6. Start noticing and living in the present – Right now is a miracle.  Right now is the only moment guaranteed to you.  Right now is life.  So stop thinking about how great things will be in the future.  Stop dwelling on what did or didn’t happen in the past.  Learn to be in the ‘here and now’ and experience life as it’s happening.  Appreciate the world for the beauty that it holds, right now.
  7. Start valuing the lessons your mistakes teach you – Mistakes are okay; they’re the stepping stones of progress.  If you’re not failing from time to time, you’re not trying hard enough and you’re not learning.  Take risks, stumble, fall, and then get up and try again.  Appreciate that you are pushing yourself, learning, growing and improving.  Significant achievements are almost invariably realized at the end of a long road of failures.  One of the ‘mistakes’ you fear might just be the link to your greatest achievement yet.
  8. Start being more polite to yourself – If you had a friend who spoke to you in the same way that you sometimes speak to yourself, how long would you allow that person to be your friend?  The way you treat yourself sets the standard for others.  You must love who you are or no one else will.
  9. Start enjoying the things you already have – The problem with many of us is that we think we’ll be happy when we reach a certain level in life – a level we see others operating at – your boss with her corner office, that friend of a friend who owns a mansion on the beach, etc.  Unfortunately, it takes awhile before you get there, and when you get there you’ll likely have a new destination in mind.  You’ll end up spending your whole life working toward something new without ever stopping to enjoy the things you have now.  So take a quiet moment every morning when you first awake to appreciate where you are and what you already have.
  10. Start creating your own happiness – If you are waiting for someone else to make you happy, you’re missing out.  Smile because you can.  Choose happiness.  Be the change you want to see in the world.  Be happy with who you are now, and let your positivity inspire your journey into tomorrow.  Happiness is often found when and where you decide to seek it.  If you look for happiness within the opportunities you have, you will eventually find it.  But if you constantly look for something else, unfortunately, you’ll find that too.  Read Stumbling on Happiness.
  11. Start giving your ideas and dreams a chance – In life, it’s rarely about getting a chance; it’s about taking a chance.  You’ll never be 100% sure it will work, but you can always be 100% sure doing nothing won’t work.  Most of the time you just have to go for it!  And no matter how it turns out, it always ends up just the way it should be.  Either you succeed or you learn something.  Win-Win.
  12. Start believing that you’re ready for the next step – You are ready!  Think about it.  You have everything you need right now to take the next small, realistic step forward.  So embrace the opportunities that come your way, and accept the challenges – they’re gifts that will help you to grow.
  13. Start entering new relationships for the right reasons – Enter new relationships with dependable, honest people who reflect the person you are and the person you want to be.  Choose friends you are proud to know, people you admire, who show you love and respect – people who reciprocate your kindness and commitment.  And pay attention to what people do, because a person’s actions are much more important than their words or how others represent them.
  14. Start giving new people you meet a chance – It sounds harsh, but you cannot keep every friend you’ve ever made.  People and priorities change.  As some relationships fade others will grow.  Appreciate the possibility of new relationships as you naturally let go of old ones that no longer work.  Trust your judgment.  Embrace new relationships, knowing that you are entering into unfamiliar territory.  Be ready to learn, be ready for a challenge, and be ready to meet someone that might just change your life forever.
  15. Start competing against an earlier version of yourself – Be inspired by others, appreciate others, learn from others, but know that competing against them is a waste of time.  You are in competition with one person and one person only – yourself.  You are competing to be the best you can be.  Aim to break your own personal records.
  16. Start cheering for other people’s victories – Start noticing what you like about others and tell them.  Having an appreciation for how amazing the people around you are leads to good places – productive, fulfilling, peaceful places.  So be happy for those who are making progress.  Cheer for their victories.  Be thankful for their blessings, openly.  What goes around comes around, and sooner or later the people you’re cheering for will start cheering for you.
  17. Start looking for the silver lining in tough situations – When things are hard, and you feel down, take a few deep breaths and look for the silver lining – the small glimmers of hope.  Remind yourself that you can and will grow stronger from these hard times.  And remain conscious of your blessings and victories – all the things in your life that are right.  Focus on what you have, not on what you haven’t.
  18. Start forgiving yourself and others – We’ve all been hurt by our own decisions and by others.  And while the pain of these experiences is normal, sometimes it lingers for too long.  We relive the pain over and over and have a hard time letting go.  Forgiveness is the remedy.  It doesn’t mean you’re erasing the past, or forgetting what happened.  It means you’re letting go of the resentment and pain, and instead choosing to learn from the incident and move on with your life.
  19. Start helping those around you – Care about people.  Guide them if you know a better way.  The more you help others, the more they will want to help you.  Love and kindness begets love and kindness.  And so on and so forth.
  20. Start listening to your own inner voice – If it helps, discuss your ideas with those closest to you, but give yourself enough room to follow your own intuition.  Be true to yourself.  Say what you need to say.  Do what you know in your heart is right.
  21. Start being attentive to your stress level and take short breaks – Slow down.  Breathe.  Give yourself permission to pause, regroup and move forward with clarity and purpose.  When you’re at your busiest, a brief recess can rejuvenate your mind and increase your productivity.  These short breaks will help you regain your sanity and reflect on your recent actions so you can be sure they’re in line with your goals.
  22. Start noticing the beauty of small moments – Instead of waiting for the big things to happen – marriage, kids, big promotion, winning the lottery – find happiness in the small things that happen every day.  Little things like having a quiet cup of coffee in the early morning, or the delicious taste and smell of a homemade meal, or the pleasure of sharing something you enjoy with someone else, or holding hands with your partner.  Noticing these small pleasures on a daily basis makes a big difference in the quality of your life.
  23. Start accepting things when they are less than perfect – Remember, ‘perfect’ is the enemy of ‘good.’  One of the biggest challenges for people who want to improve themselves and improve the world is learning to accept things as they are.  Sometimes it’s better to accept and appreciate the world as it is, and people as they are, rather than to trying to make everything and everyone conform to an impossible ideal.  No, you shouldn’t accept a life of mediocrity, but learn to love and value things when they are less than perfect.
  24. Start working toward your goals every single day – Remember, the journey of a thousand miles begins with one step.  Whatever it is you dream about, start taking small, logical steps every day to make it happen.  Get out there and DO something!  The harder you work the luckier you will become.  While many of us decide at some point during the course of our lives that we want to answer our calling, only an astute few of us actually work on it.  By ‘working on it,’ I mean consistently devoting oneself to the end result.  Read The 7 Habits of Highly Effective People.
  25. Start being more open about how you feel – If you’re hurting, give yourself the necessary space and time to hurt, but be open about it.  Talk to those closest to you.  Tell them the truth about how you feel.  Let them listen.  The simple act of getting things off your chest and into the open is your first step toward feeling good again.
  26. Start taking full accountability for your own life – Own your choices and mistakes, and be willing to take the necessary steps to improve upon them.  Either you take accountability for your life or someone else will.  And when they do, you’ll become a slave to their ideas and dreams instead of a pioneer of your own.  You are the only one who can directly control the outcome of your life.  And no, it won’t always be easy.  Every person has a stack of obstacles in front of them.  But you must take accountability for your situation and overcome these obstacles.  Choosing not to is choosing a lifetime of mere existence.
  27. Start actively nurturing your most important relationships – Bring real, honest joy into your life and the lives of those you love by simply telling them how much they mean to you on a regular basis.  You can’t be everything to everyone, but you can be everything to a few people.  Decide who these people are in your life and treat them like royalty.  Remember, you don’t need a certain number of friends, just a number of friends you can be certain of.
  28. Start concentrating on the things you can control – You can’t change everything, but you can always change something.  Wasting your time, talent and emotional energy on things that are beyond your control is a recipe for frustration, misery and stagnation.  Invest your energy in the things you can control, and act on them now.
  29. Start focusing on the possibility of positive outcomes – The mind must believe it CAN do something before it is capable of actually doing it.  The way to overcome negative thoughts and destructive emotions is to develop opposing, positive emotions that are stronger and more powerful.  Listen to your self-talk and replace negative thoughts with positive ones.  Regardless of how a situation seems, focus on what you DO WANT to happen, and then take the next positive step forward.  No, you can’t control everything that happens to you, but you can control how you react to things.  Everyone’s life has positive and negative aspects – whether or not you’re happy and successful in the long run depends greatly on which aspects you focus on.  Read The How of Happiness.
  30. Start noticing how wealthy you are right now – Henry David Thoreau once said, “Wealth is the ability to fully experience life.”  Even when times are tough, it’s always important to keep things in perspective.  You didn’t go to sleep hungry last night.  You didn’t go to sleep outside.  You had a choice of what clothes to wear this morning.  You hardly broke a sweat today.  You didn’t spend a minute in fear.  You have access to clean drinking water.  You have access to medical care.  You have access to the Internet.  You can read.  Some might say you are incredibly wealthy, so remember to be grateful for all the things you do have.
     

Save Money Without Compromising Your Lifestyle

3/18/2014

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PicturePhoto source: money.cnn.com
Do you love the finer things in life? Do you want to embody a wealthy lifestyle without breaking the bank? Just because you're frugal doesn't mean you need to give up anything you are accustomed to.

Some of the wealthiest people in the world are frugal and most live below their means. For example, Warren Buffet still lives in the same house in Omaha, which he purchased for $31,500 back in 1958.

Being rich is a state of mind. I personally feel a great sense of reward when I've uncovered ways to get value for my money. The key is... (read more)

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Get Paid To Lose Weight

8/23/2013

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Happy Frugal and Fit Friday! This post is a follow up on a previous post I did on The Healthy and Wealthy Lifestyle. I'm proud to say that I accomplished my goal... I lost 25 pounds and I got paid $100. So, not only am I thinner and healthier, I'm now also a little bit wealthier!

I took part in EPX Body's 90-day weight loss challenge. Instead of paying a company to help me lose weight, I decided to go with company that pays me to lose weight! I want to share my experience and my testimonial about my journey. Check out my before and after photos!


How have I transformed through the EPX Body Challenge?
My eating habits have greatly improved. I no longer crave or want "sweets" as much as I used to. I eat mostly protein for breakfast and lunch and I have cut down on my carb intake dramatically, which tended to make me hungrier. For dinner, I eat a small salad, which doesn't weigh me down before bedtime. I am confident that I will continue to maintain these good eating habits. The 90-day weight loss challenge did not seem like a "diet" at all, it's taught me to make better choices in what I eat and I have never been hungry or felt like I was missing something. Plus, I saved a lot of money by eating in vs. going out to eat. Now that's frugal.

I believe the 90-day weight loss challenge has been a better and more successful journey for me because my boyfriend Jim Roguski and I did the challenge together. We have been each other's accountability coach. Since I have an aversion to exercise, the only form of exercise I've done is walking. Therefore, it is possible to achieve weight loss with this challenge without much exercise at all. 

The best result is how I feel about myself. It feels good to look better and be comfortable in my clothes. I've even had to buy new "skinny" clothes! I am now my own walking testimonial which proves that with determination along with effective EXP Body products anyone can lose the weight and be healthier. 

I'm very thankful that EPX Body developed the 90-day weight loss challenge, it was the motivating factor that made me finally achieve my goal to lose the pounds I've haven't been able to before. 

Who is EPX Body?
EPX Body is a company that offers excellent nutritional products as well as a 90-day challenge program. It helps people all over the world to lose weight, plus they can get paid up to $500, depending on how many pounds they lose! The challenge was created to motivate anyone to make a positive lifestyle change, while transforming their mind and body.

Once I became involved with EPX Body, not only did I transform my body (and mindset)  by losing weight with the aid of their supplements, I also transformed my financial situation by earning residual income from promoting my EPX Body business.
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Giving Forward Pays You Back

8/13/2013

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Happy Tuesday! I've always looked for ways to save a buck or two. But, I've also donated to various charities, from Goodwill to the Humane Society to Disabled Veterans to Habitat For Humanity among others. But it never felt like I made that much of a difference. There's always been a purpose I've been seeking that's beyond my frugal lifestyle. I believe I've found something that is fulfilling on a deeper level. 

The new company I'm a part of, New Earth has a GIVE program that facilitates their associates to purchase nourishing products and donate them on our behalf to impoverished and undernourished children in the United States through organizations such as Feeding America. 

Not only are their superfoods healthy and nutritious, but we can earn commissions by donating them. As the saying goes, it's better to give than to receive, but with this business you are both the giver and the receiver. It's my opportunity to be both an entrepreneur and a philanthropist in my own small way. While giving selflessly to hungry children compensates me monetarily, the payback is much more rewarding spiritually. I believe it can make a profound difference in peoples lives, both to the children we help and ourselves.

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Please watch the GIVE program video below to learn about New Earth's vision and mission. 
If you want to help nourish hungry children + earn an additional income, click here to join.
TeamNewEarth.com/MarissaWinfrey
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Free Prelaunch Business Opportunity

8/6/2013

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Happy Thrifty Tuesday! Today's topic is about making a difference in your life and the lives of others. Are you ready for a change? Would you like to have time freedom and financial freedom?

I would like to invite anyone who is interested in earning a sustainable long-term income stream to take a look at a new company, New Earth - before their official launch in September. 

For those who want to take advantage of this limited time opportunity, you can join for free, spread the word and build your organization for the entire month of August. 


To learn more about the New Earth and their products, please watch the video below. And visit this website for complete details http://www.TeamNewEarth.com/MarissaWinfrey.  If you have any questions, call 310-619-3055, use the Comments form below or fill in the form on the Contact page.

Now is the time to take a look at this opportunity for free to see if it's a good fit for you. If you’ve been looking for a way to be part of a community of passionate, innovative people, to have a powerful impact on the world around you, and create financial freedom and long-term security, then this company is worth looking at.

     
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    What does living frugally mean to me? Well, it does NOT mean being cheap, quite the contrary, I believe it’s being smart in your choices, such as how you spend your money everyday. Prioritize and take control of what’s important to you. I always strive to spend less on almost everything.

    In this challenging economy, some of us have had to cut back on our expenses. Wouldn't it be nice to still have the things or services you want and need but not have to pay full price or even better, get them for free? 

    Choose value and quality over quantity or fads and you will come out ahead. The great benefit of being frugal is that it eliminates waste and clutter which in turn helps our environment.  By doing simple changes towards more “green” and frugal ways, together we can make an impact on our planet. 
        

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     Hi, my name is Marissa Winfrey and I have been living the frugal life ever since I can remember. I have always looked for great bargains and getting the best value for my money without compromising style and quality.

    My background is in visual display and interior decorating. It’s always been my objective to recommend cost effective solutions to my clients. I, of course, practice what I preach! I have furnished my own homes mostly with furnishings and decor items from my own little vintage boutique, estate sales, discount stores, flea markets, yard sales, thrift stores and even curbside discarded furniture!

    My frugal practice goes beyond the home. I offer money saving tips on just about everything, from shopping to travel and everything in between. I hope my blog and website will inspire everyone to be their own Frugalista.

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Real Savings + Extra Earnings = A Richer Life

      

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Read and learn about useful tips and tricks from experts on how to live "the frugal lifestyle" everyday!  Check out the books below, to see more of my top picks of frugal and financial savvy books, please visit The Frugal Book Store.
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Living The Savvy Life:
The Savvy Woman's Guide to Smart Spending and Rich Living
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It's Not About Being Cheap.  Living the Savvy Life isn't about being a cheapskate, a miser or a tightwad.  It's about having security and peace of mind by spending less than you make.  It's about knowing where you stand financially on a daily basis so you can make intelligent fiscal decisions. 

​It's about being penny-wise on the things that are less important to you so you can spend money on the things that are important to you. It's about choosing to purchase only the things that you love and make you happy.  
It's about finding, attaining and maintaining balance.  Are you ready to start Living the Savvy Life?

   
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​Thrifty: 
Living the Frugal Life with Style


Best-selling author Marjorie Harris offers a timely and entertaining guide to living the richly frugal life. From tips on how to haggle to becoming a frugal fashionista, maintaining your home on a budget, and thrifty gardening, travel, and entertainment, Harris provides essential guidelines to living a quality life on less. Written in her trademark witty, engaging, and accessible style, Thrifty is packed with simple and savvy tips drawn from Harris' own fulfilled, thrifty experience. Bonus tips come from renowned experts such as best-selling author Margaret Atwood, chef Jamie Kennedy, actor R. H. Thomson, travel writer Sylvia Fraser, and The Globe and Mail's style columnists.
  
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How to Retire Happy, Wild, and Free: 
Retirement Wisdom That You Won't Get from Your Financial Advisor
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How to Retire Happy, Wild, and Free offers inspirational advice on how to enjoy life to its fullest. The key to achieving an active and satisfying retirement involves a great deal more than having adequate financial resources; it also encompasses all other aspects of life -- interesting leisure activities, creative pursuits, physical well-being, mental well-being, and solid social support. 

What sets this retirement book apart from all the others is its holistic approach to the fears, hopes, and dreams that people have about retirement. This international bestseller (over 110,000 copies sold in its first edition) goes way beyond the numbers that is often the main focus of retirement planning in most retirement books.
   
To see more of my top picks of frugal and financial savvy books, please visit The Frugal Book Store.

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