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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

Master The Skill Of Living Frugally To Kick Off Your Debts

8/12/2016

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​Want to pay off your debts faster? This post from Phil Bradford shows how to do it.

When getting rid of painful debts is your prime concern, you have to be frugal; otherwise, you won’t be able to stick to the debt repayment plan. No matter what debt relief plan you're following, you have to be consistent on it. For this, you need to embrace frugality. Don't worry! Frugality doesn't mean depriving yourself of things that make you happy. Being a frugal person means you need to make mindful choices. Frugality is spending money to get the maximum value.


By embracing frugality, you can save more dollars. Saving more money means you can pay off debt faster. Initially, following a frugal life can be a little difficult task. But, once you understand how to cut expenses in different areas, it will be easier for you to be focused.

How to master the frugal skill
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Frugality is not as scary as people think. You just need to understand when to spend and when to save. For this, you have to create a budget based on your total income. Following a budget helps you to stop overspending and saving a certain amount each month. Following a budget will help you to live frugally.
Here are some frugal living ideas that help to save money to make your debt payoff journey easier.

Cook food at home instead of hitting restaurants
We all have to eat to live. Not knowing how to cook can't be an excuse or hitting restaurants can't be a solution. If time is the issue, then you have to plan your meal in advance. To do so, you have to be sure about the meals at the beginning of the week. Just make a list of the dishes you're going to eat for the whole week and shop accordingly. Cook all the dishes when you’re free.

Frugal benefits:
  • Mastering cooking skill
  • Saving money on restaurant bill
  • Eating healthy
  • Fewer health issues
  • Saving money on grocery
  • No food waste or grocery waste

Optimize entertainment costs
Entertainment is another tricky area where you can make a lot of changes to save money. Now, people shop to entertain themselves, which is a blunder. Shopping, catching the latest movie, attending every concert, and video games are some entertainment options that cost you dearly.

But, there are many other fun ideas that can make you equally happier. For example, playing with kids, hiking, cycling, enjoying time with pets, catching up with friends, hitting nearby parks or beach, arranging yard picnic, gardening etc. Even a simple evening walk with whom you love most can be a mood enhancer. So why waste money on those costly entertainment that give you momentary enjoyment?

Frugal benefits:
  • Saving more money
  • Giving more time to family
  • Staying fit
  • Staying in connect with friends
  • Living a green life

Learn home maintenance and automotive skill

Owning a home and a car can cost you big on maintenance time to time. But you can tackle issues related to your home and car repairing easily. How? Just browse YouTube to learn basic home and car repair methods. Why hire experts when you can manage issues like caulking, fixing a drawer, unclogging drains, repairing leaky faucets, cleaning gutters, changing oil or batteries.

Frugal benefits:
  • Saving money on costly maintenance
  • Facing less hassles
  • Saving money on service charge

Celebrate no gift festivals or exchange DIY gifts only

Festival time is the ultimate budget buster. People love to exchange pricey gifts starting from Mother's Day to New Year’s Eve. Birthdays, anniversaries are add-ons. Why don't you experience a no gift celebration? You just need to inform your relatives or friends “regarding no gift idea”  in advance.

If you can't think a celebration without gifts, then consider DIY gifts instead of store bought products. Make cookies, cards, poster, winter clothes or scented candles to make your dear ones happy. Homemade gifts will make them more happy than ever.

Frugal benefits:
  • Saving money on costly gifts
  • Enjoying appreciation
  • Practicing old talents
  • Living a green life

Final note

Saving money on day-to-day living can help you to save a lot of money. Having enough money will effectively help you to get rid of financial obligations. The add-on benefit is you'll master the skill of living on less to make a big difference.

Don't forget to share your experience after applying any of these frugal skills to save money.
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​Author Bio: 
​
Phil Bradford is a financial content writer and a web enthusiast. He has expert knowledge about personal finance issues. His passion for helping people who are stuck in financial problems has earned him recognition and honor in the industry. Besides writing, he loves to travel and read books.

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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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    A Richer Life

        
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    About Me

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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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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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