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My Favorite Frugal Breadmaker Recipe

bread made in bread making machine

My Favorite Breadmaker Recipe, by Nikki Willhite

A half wheat flour and half white flour recipe for the breadmaker machine.

Bread making machines are not expensive. They are frugal, as it doesn't take long for them to pay for themselves.  One of my favorite frugal dinners is soup and hot bread. The taste of fresh bread is surpassed only by the smell of bread baking in the bread machine.  It is frugal, and it is fabulous... more



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Welcome to Frugal Happy Families

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Welcome to Frugal Happy Families. On this site you will find: thousands of frugal articles on a variety of subjects.  Click on the subject links to the left to find detailed indexes.  Find the index for frugal money saving tips lower on this page.

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From the Editor

Editor's Corner


Frugal Living

dump truck and cakeDelightful Dump Cakes and Chocolate Cherry Dump Cake Recipe, by Nikki Willhite.   What are Dump cakes and how to make Dump Cakes plus a simple Chocolate Cherry Dump Cake Recipe.

I remember the first time I saw a dump cake. My daughter-in-law brought one over for a family dinner. I took one look at it and thought it was a "cake gone wrong." It was all bumpy, and pieces of fruit and who knew what were poking out of the top, which seemed something "crusty" of unknown origin... more

New and Featured Frugal Living  Articles on the Site






Cash for Surveys

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Annoyed with survey calls at dinnertime?

Ask them why they don't pay you for your time?

Join SurveySavvy and be paid for taking surveys. 




Frugal Recycling

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Frugal Creativity

"Use it up,
wear it out,
make it do,
or do without"

Frugal can be creative fun.  Learn to reuse, recycle, repurpose, reinvent, re-imagine... and save money. 



Frugal Weight Loss

scale with tape measure

Everyone is always trying to lose weight.  Unfortunately losing weight is hard, and people spend enormous amounts of money to try and do it.

If you want to lose weight in an easy, frugal way, without resorting to pills, surgery or changing your diet, just think HALF.  Cut the food you are already eating in half, and take a walk each day.

It doesn't get any more frugal or simple than that.


Making Money vs. Spending Money

money stack

If you want to improve your finances, you will find it a lot easier to be frugal than to work more hours.  Let's say you work an extra 4 hours at $10 per hour.  You have made $40.  How much of that $40 do you think will reach your pocket?  Deduct taxes and all the other fees that come out of your paycheck, and you may only see a little more than a half of it.

On the other hand, if you have been going out to eat, miss a meal at your favorite restaurant and you have saved the $40.00.  Making a sandwich for dinner is very easy, and probably better for you than rich, heavily spiced food.  It has taken you very little effort to save that $40.00

There is a reason Benjamin Franklin said "A penny saved is a penny earned." 


Frugal Simple Living

rainbowSimple Living Slow Down, by Nikki Willhite   How to make simple living easier by breaking tasks up, slowing them down, and smart planning and time management.

Sometimes we make our lives more stressful than they need be. Sometimes it is not the things that we do that bring stress into our lives, but the way that we do them. I've been on committees that were assigned complex projects. Too often people try to attempt that which they are not capable of doing. With a little bit of adjustment, most projects can be made a lot easier and be just as successful... more


Frugal Money

credit reportUnderstanding Your Credit Scores, by Nikki Willhite   What Your Credit Score Means to You, and how to improve a low credit score.

Our FICO and credit score are important to our finances. If our credit scores are good, it means we will pay less interest when we buy things like houses and cars. It can also make a difference whether we get a job or are able to rent an apartment. Our financial numbers tell other people whether we are responsible with our money... more.


Frugal Clothing

business womanOne Mirror Too Many in the Dressing Room. Tips for Mature Women to look and feel better and dress age appropriate.

As we age, most of us do not buy as many items of clothing as we did when we were younger. There are lots of reasons for this. First of all, most of us have accumulated enough clothing for our needs. We have learned there are more important things to spend our money on than clothing... more



Frugal Hair

haircare productsFrugal Hair Care: Save Time and Money on Your Hair, by Nikki Willhite  How to save money on your hair with a good hair style and appropriate hair care products.

Every woman wishes she had shiny hair and the perfect haircut for her face. We live in a society that values a youthful appearance. Consequently women pay enormous amounts of money to try and look younger.. however, you don't have to empty your wallet to do it.... more


Frugal Housing

small houseYou and Your Mortgage, by Nikki Willhite   How to handle of mortgage in today's real estate market depending on your circumstances.

In recent years, we've all learned that home ownership can be risky. When housing prices fell, many people were stuck in homes when they needed to move, had their credit ruined with foreclosures, and ended up with tax burdens from short sales. The loss of home equity was devastating to many people... more


Frugal Clutter Control

goodbyeGoodbye Clutter: Pulling Up Clutter by its Roots, by Nikki Willhite  How to permanently get rid of clutter in your home by getting rid of bad clutter habits.

Once upon a time there was an unhappy homemaker. Her house was always dirty. It was so full of stuff that she couldn't dust and clean it. One day she read an article about clutter, and she realized she had a problem. With a great deal of time and effort, she started going through the rooms in her house, one by one, and removing items that she didn't need.... more


Frugal Shopping

shopping cartFrugal Thrift Store Shopping, by Nikki Willhite  What to look for at thrift stores, and how to Find the "Hidden Gems."

Thrift stores are a wonderful place to find bargains. However, thrift store shopping is a skill. Many people walk into thrift stores, take one look, turn around and never come back.

There is a lot of "junk" in thrift stores. You have to be able to see past the junk and find the "good stuff." Some people go antique hunting. Frugal people go bargain hunting at thrift stores... more


Frugal Beauty

comb and scizzorsHow to Choose  a Hair Style: Frugal Simple Living Haircuts, by Nikki Willhite  What you need to know to choose a flattering hair style that works for your hair type and lifestyle.

A good hair style is important for a lot of reasons. You want to look your best, and you want your hair to flatter your face. If you are frugal, you don't want to have to spend lot of money to keep up your hair style, either with extra visits to have it cut or buying special hair care products... more


Frugal Decorating

chairWhat is so Great about Texture? Interior Design Basics, by Nikki Willhite  Some examples of texture and what it can do for your home.

What are some of the things you think about when decorating a room? There is pattern, color, scale, texture...wait a minute. Back up!  What's the deal with texture? What is so great about texture? The answer is simple- with a little visualization. Picture these two rooms... more


Frugal Beauty

skin careFrugal Skin Care, by Nikki Willhite   Things to do to have good skin and things that damage your skin.

Skin care does not have to be expensive. Those who want your money would lead you to believe that you must spend massive amounts of money to have good skin. This simply is not true. Many of the advertised skin care products on the market today do not even work. Don't be fooled... more


Frugal Shopping

movie makerThe Windows Movie Maker Mess: Microsoft Windows 8 Movie Maker Burning - How to burn movies when creating them with Microsoft's Windows 8 movie maker.

Many people, including myself, make "movies" for our families to view during our holiday gatherings. These movies are pictures that are put to music, and include special effects... more


Frugal Decorating

color paletteDecorating with Color: Decorating Basics, by Nikki Willhite  How to decorate with color and use color in a frugal way that will keep your decor updated.

There is nothing that costs less, yet gives more impact to interior design, than color. Color is a frugal element in Interior Design. When choosing paint, for instance, it doesn't cost any more money to pick a "good color" for your room than it costs to choose a "bad color"... more


Frugal Shopping

shopping cartFrugal Ebay Shopping, by Nikki Willhite How to save money shopping on ebay, what to look for and precautions to take.

Shopping on Ebay is like shopping anywhere. It is "Buyer Beware." You can find tremendous bargains on Ebay. You can also find inflated prices and bad sellers. However, if you are smart, you can minimize your risk and save a lot of money... more


Frugal Home Selling

small houseWhen is Staging a House a Waste of Money? by Nikki Willhite   Situations where home staging is not financially wise.

Everyone should clean up their house and declutter as much as possible before putting their house up for sale. There can be no doubt about that. However, staging a house is another matter.. . more


Frugal Simple Living

man in hammockFreeways, Rest Stops, and Home - Advice on how to have a simple living home in a hectic, fast paced world.

"Many time we are climbing mountains when we ought to be quietly resting." 

Simple living means  different things to different people. Simple living is often associated with frugal living because when you live a simple life it doesn't take a lot to make you happy and you spend less money... more


Frugal Money

debtHabits That Cause Debt: Debt Busting Strategies - How to keep out of debt, including tips to avoid habits that lead to debt.

No one enjoys being in debt. So why are so many people in debt?  Severe debt is often caused by medical expenses. Other debt can be caused by poor money management and bad habits. Do you have bad money habits? ... more

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Frugal Money Saving Tips

Help with Thrift and Frugal Living




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Frugal Computers

Internet Adware Scams, by Nikki Willhite  How the Internet Adware Scam works and frugal ways to remove it from your computer.

If you have ever had your computer infected by Adware, you know the consequences. Adware is a HUGE scam on the Internet. Adware works somewhat the same as a virus.  You get it by opening an infected email, or downloading an infected file. ...Once Adware is on your computer, pop up windows will start coming up on your screen....The Adware is doing everything it can to get you to go to their sites. To add injury to insult, there is a second part of this scheme... more


A Frugal "Must Read"

 Money Mistakes


dollars and coinsIf you work at a job with a 401K or other Savings Plan, and your employer matches some of your contribution, make that a priority.  You cannot afford to throw away "free" money.  No matter what else is going on in your life, put the full amount of money that is matched by your employer into that plan, and don't touch it.


life insuranceDo not mix life insurance with investing.  Buy only term insurance. It costs less.  Save your money elsewhere.  Term insurance should be enough money to protect your family until your youngest child is around 26 years old, and you have accumulated savings.


red carDo not lease a car.  Buy a low mileage car, take good care of it, pay it off, and run it until it drops!

red tulip border

Frugal Wisdom

books and eye glassesThe Dalai Lama, when asked what surprised him most about humanity, answered "Man.  Because he sacrifices his health in order to make money.  Then he sacrifices money to recuperate his health.  And then he is so anxious about the future that he does not enjoy the present; the result being that he does not live in the present or the future; he lives as if he is never going to die, and then dies never really having lived."


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Be warm, be safe;  save time and money.  Be frugal and be happy.

Frugal Basics - Some Favorite Frugal Articles

Think Cash!

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Reduce Your Spending Using Cash

Want an easy way to reduce your spending. Use CASH!

Plastic isn't money. It doesn't look like money, and it doesn't feel like money. It is very easy to hand over a plastic card to pay for a purchase. Hand someone a couple of $20 bills, and it is a different feeling. Cash is a frugal living tool.

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Frugal Decorating

Frugal Shopping

Frugal Clothing

Decorating with Texture
Fixing Up Old Cupboards
Pattern Perfect
A Step Too Far  
Shopping and the "Rule of 3"
Wants vs. Needs
Frugal Clothing Alterations
Frugal Clothing Choices
Judging the Price of Clothing
Saving Money in the Kitchen Frugal Recipes Frugal Crafts
Economical Stir Fry Cooking
Eggless Cake Recipe
The Economical Egg
Homemade Granola
Homemade Gravy
Homemade Ketchup
Using Your Fabric Scraps
Decorating with Quilts
How to Save Money Sewing

Frugal Money

Frugal Simple Living

Frugal Organization

Frugal Investing
Piggy Bank Savings
The Ideology of Being Frugal
Tightwad Treasures
Finding Storage Space
How to Organize Your Home

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