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What is a BOGO Sale?

BOBO sale

BOGO is an acronym for "Buy One; Get One."  However, not all BOGO sales are the same.

The first item is full price.  However the second one may be free or it may be half price.

If the 2nd item is free, you are paying 50% for each item.  However, if it is half price, you are only getting a 25% discount on your items.

If you are use to buying your retail items at 40-60% off, a BOGO sale in the second scenario is not a great sale.




Frugal Cooking Help


3 tsp =   1 Tbsp
2 Tbsp = 1/8 cup
4 Tbsp = 1/4 cup
5 Tbsp + 1 tsp = 1/3 cup
8 Tbsp = 1/2 cup
10 Tbsp + 2 tsp = 2/3 cup
12 Tbsp = 3/4 cup
16 Tbsp = 1 cup (8 ounces)
1 cup =  48 tsp
1 cup =  16 Tbsp
1 cup =    8 ounces
2 cups = 16 ounces
2 cups =  1 pint
4 cups =  2 pints
4 cups =  1 quart
8 cups = 64 ounces
8 cups =  4 pints
8 cups =  1/2 gallon
1 quart =  32 ounces
1 quart =   2 pints
4 quarts = 128 ounces
4 quarts = 1 gallon
16 ounces = 1 pound




Frugal Cooking Help

More Frugal Food Substitutions

Here are more frugal food substitutions that may come in handy.  Save money by avoiding unnecessary trips to the store that always cost more than planned.
Item Amount Substitute
Baking Powder 1 tsp 1/3 tsp baking soda plus 1/2 tsp cream of tartar
Butter 1 cup 1 cup margarine or 7/8 cup vegetable oil
Buttermilk 1 cup 2 Tbsp lemon juice or vinegar in 1 cup milk
Brown Sugar 1 cup 1 cup white sugar plus 2 Tbsp molasses
Chocolate 1 square 1 sq unsweetened = 3 Tbsp cocoa plus 1 Tbsp shortening
Eggs 1 1 Tbsp soy flour plus 1 Tbsp water
Flour, white 1 cup 1 cup oat flour
Flour, self-rising 1 cup 1 cup all-purpose flour plus 1 1/2 tsp baking powder and 1/2 tsp salt
Flour, for thickening 1 Tbsp 1/2 Tbsp cornstarch  or 2 tsp. quick-cooking tapioca
Herbs 1 Tbsp 1 Tbsp fresh = 1 tsp dried
Honey 1 cup 1 1/4 cup sugar plus 1/4 cup water
Lemon Juice 1 tsp 1 tsp vinegar
Milk, whole 1 cup 1/2 cup evaporated milk plus 1/2 cup water
Onions, chopped 1/4 cup 1 Tbsp dried minced onion
Yogurt 1 cup 1 cup buttermilk




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


Free and Frugal Clipart and Greeting Card Messages and Quotes

free clipart with heart and bear frame Like to make your own greeting cards? Free clipart for greeting cards and scrapbooks at

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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 Food Substitutions



Cake Flour Remove 2 Tbsps of flour for every cup of flour
Self-Rising Flour Add 1 tsp of baking powder and 1/4 tsp of salt to every cup of flour


Out-of-Milk Use 1/2 cup evaporated milk mixed with 1/2 cup water
Buttermilk Add 2 Tbsp milk and 1 Tbsp vinegar or lemon juice to 1 cup milk.  Let set 10 minutes
Whole Milk Add 3 Tbsp of cream to 1 cup of skim milk

Cheese and Cream

Cream Cheese Mix 1 cup of cottage cheese with 1/4 cup of butter or margarine
Sour Cream Mix 1 cup of yogurt with 3 Tbsps of melted butter


Baking Powder Mix 1/4 tsp baking soda with 1/2 tsp cream of tartar
Chocolate Use 3 Tbsp cocoa with 2 1/2 tsp butter for one unsweetened baking square
Lemon Juice Use 1/2 tsp white vinegar
Tomato Sauce Add water to tomato paste


Baking Times for Cakes

chocolate cake on pedestal

Most cakes bake at 350 degrees.  Here are the approximate baking times.


8-inch round pans 35-40 minutes
9-inch round pans 30-35 minutes
13x9x2 inch pan 35-40 minutes
15x10x1 inch pan 25-30 minutes
Bundt cake pan 35 - 60 minutes
Cupcakes 18-23 minutes


Frugal Recycling

recycle symbol for thrift

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 and tape measurer

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.


What is a BOGO Sale?

sale tags

BOGO is an acronym for "Buy One; Get One."  However, not all BOGO sales are the same.

The first item is full price.  However the second one may be free or it may be half price.

If the 2nd item is free, you are paying 50% for each item.  However, if it is half price, you are only getting a 25% discount on your items.

If you are use to buying your retail items at 40-60% off, a BOGO sale in the second scenario is not a great sale.



Welcome to Frugal Happy Families

frugal squirrel waving hello

Welcome to the opening page  of 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.

  Search Frugal and Simple Living Sites by Keyword Below



From the Editor

Editor's Corner


Frugal Simple Living

hammock manFreeways, Rest Stops and Home: The Slow Pace of Simple Living, by Nikki Willhite.  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


New and Featured Frugal Living  Articles on the Site

Frugal Decorating

green floral fabricDecorating with Pattern: Design Basics, by Nikki Willhite.  Choosing Patterns for Your Home. How to mix and match fabric with pattern in your home.  

Our world is full of color, texture and pattern. It is a beautiful place. Even with limited means, we can bring some of that beauty into our homes. However, choosing pattern for our homes can be tricky. Pattern can be very taste specific, and it can go out of style quickly. Most people like to bring personality into their home with a pattern that makes a statement and is a reflection of their taste... more


Frugal Halloween Costumes

Halloween HouseHomemade Halloween Costume Ideas For Children, by Nicole Dean.  Some Halloween costume you can make for children using items around the house.

ou can find a large variety of Halloween costumes available at stores in your neighborhood. However, when you consider the cost and lack of originality, homemade costumes are a more fun and oftentimes more cost-effective option. Plus, if you involve your children in creating the homemade costumes, the results will be worth more than any store-bought costume in any store... more


Frugal Utilities

kitchen faucetFrugal Kitchen Faucet Selection, ECO Faucets: Friend or Foe, by Nikki Willhite.   How to choose a kitchen faucet and the new ECO friendly low-flow faucets.

When we picked out our faucet it was with the help of a contractor friend, who explained the different features of faucets and what to look for. Unfortunately, he forget to tell us one very important thing. Most of the faucets that are made today are "Eco Friendly." This means that they have a lower flow of water.

That's fine in the bathroom, but in a kitchen? The new faucets are rated 1.5. That means they put out 1.5 gallons of water in 1 minute. When I went to wash my hair in the sink the first time, I couldn't do it... more


Frugal Halloween Food

Jack 'O LanternHalloween Treat Ideas, by Patrick Carpen.   Ideas for some gross and ghoulish Halloween treats.

Some people think that the greatest parts about Halloween are the candy and costumes...but I'm not so sure. Some of my fondest Halloween memories are of helping my mom make "gross-out" treats in the kitchen, and surprisingly enough, making spooky and gross-looking treats has become a bit trendy!

This article has a few easy recipes that will not only entertain your kids while they help you make them, but it will also give them quite a bit to brag about at school the next day! These recipes are fairly simple, but keep an open mind and don't be afraid to get creative with them... more

smart phoneSmart Phone Alternatives, by Nikki Willhite.  How to save money on cell phone plans.

I have to admit I want a Smart Phone. I mean, I REALLY want a smart phone!  I've seen what Smart Phones can do. My kids all have them. I've seen a Smart Phone entertain a 3-year old for hours. Walk down the aisles in Church and everyone is playing with their Smart Phone. Wait in a doctor's office, and you see the same. There are so many things you can do on a Smart Phone.... more


Frugal Halloween Decorations

Haunted HouseHalloween Decorations the Easy Way - Simple Ways to decorate and celebrate Halloween.

Carved pumpkins on the front porch, the crisp night air & strange sounds in the night - Halloween is one time a year you can you can step outside the box and be really weird and wonderful at the same time. Most people have a hard time coming up with ideas for Halloween decorations. In this article, I will show you how to do Halloween decorations the easy way... more


Frugal Recipes

Chocolate Zucchini Cake- Zucchini at its Best -  Delicious chocolate cake recipe made with zucchini, cocoa, chocolate chips and sour cream.

zucchini cartoon


1/2 cup vegetable oil
1 3/4 cup sugar
2 eggs
1/2 cup sour cream
. .. more

Frugal Halloween

Jack 'O Lanterns and Trick or Treat BagsKid Friendly Halloween Crafts, by Stephanie R. Quinn.  A few simple Halloween crafts to make with your children.

Making homemade Halloween crafts is one of the best ways to celebrate the holiday with your kids. For some of us, it is our favorite time of the year. We can dress up, decorate, make yummy treats, and act like a kid again. These are some fun and easy ways to have Halloween fun with your kids... more 


Frugal Money

burglarFraud and Identity Theft Protection, by Nikki Willhite.  How to minimize your risk for identity theft and fraud.

A few years ago someone got hold of our bank account number. The next year one of our credit cards was compromised. Fraud and identity theft are on the rise. If it hasn't come your way, you are lucky. Most of the time, when someone gets hold of your private financial information, it is sheer bad luck. Your financial information is in the wrong place at the wrong time.

Although the problem is worsening, there are some things you can do to lessen your risk of being a victim, and to make it less painful if it happens... more


Frugal Halloween

halloween cat, bat and Jack 'O LanternHalloween Party Games and Craft Ideas For Children, by Clare Swindlehurst.  Activities, crafts and games for children to have fun on Halloween.

Kids love to dress up as their favorite characters at Halloween, but these days you might not feel comfortable letting them out and about to go Trick or Treating. Why not do something a little different this year and let your kids invite their friends over for a Halloween Party? They can all get dressed up and enjoy some spooky fun in the safety of your home... more


           frugal piggybank

Frugal Money Saving Tips

Help with Thrift and
Frugal Living

Click on the letters in the line below to find frugal tips arranged by alphabet.



red starred starred starred starred star


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"


Making Money vs. Spending Money

stack of money

Earning Money vs. Spending Money

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."  Today that is an understatement. Learn to be frugal, work less, and enjoy life more.

Here are some questions to ask yourself before you purchase anything:

- Is this item really necessary?
- Do I have something else I could use?
- Can this item be purchased used?
- Have I looked for a coupon?
- Should I wait for a sale?
- Have I compared prices online?
- Have I thought about this overnight?
- Can I return this item if necessary?
Carry this list with you, and you will avoid a lot of impulse spending~

 Money Mistakes


Contributing to a 401K Plan

If 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 insurance policy
Life Insurance and Saving Money

Do 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.

Buying vs. Leasing a Car

red car

Do 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."

Resources for Frugal Living


Like Frugal Living?  Visit these Sites...

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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!

dollars and coins

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.

crayon border line

Frugal Decorating

Frugal Shopping

Frugal Clothing

Saving Money on Children and Babies

Decorating with Texture
Fixing Up Old Cupboards
Pattern Perfect
Shabby Chic and Interior Design
Craig's List Savings
A Step Too Far  
Shopping and the "Rule of 3"
Wants vs. Needs
How Pattern
Affects Clothing
Frugal Clothing Alterations
Frugal Clothing Choices
Judging the Price of Clothing
Baby Care for Less
Back to School Clothes Shopping
What to Do When Your Children Break Things
Saving Money in the Kitchen Frugal Recipes Frugal Crafts

Frugal Automobiles

Economical Food Substitutions
Economical Stir Fry Cooking
Eggless Cake Recipe
How to Choose Fruit
The Economical Egg
Homemade Granola
Homemade Gravy
Homemade Ketchup
Homemade Pizza
Homemade Ranch Style Salad Dressing
Using Your Fabric Scraps
Decorating with Quilts
Frugal Quilting
How to Save Money Sewing
Saving Money on Auto Insurance
Saving Money on Auto Repairs
Saving Money on Gas

Frugal Money

Frugal Simple Living

Frugal Organization

Frugal Odds & Ends

Frugal Investing
Piggy Bank Savings
The Power of Compound Interest
The Ideology of Being Frugal
Tightwad Treasures
Finding Storage Space
How to Organize Your Home
Frugal Computer Use
Saving Money on Clothing and Textiles
"What Not to Wear vs The Housewife Hoodie"

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