banner for Frugal Happy Families




















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



                Frugal   Living     Thrift     Saving Money    Penny Pinching





Welcome to Frugal Happy Families

frugal squirrel waving hello

Welcome to Frugal Happy Families. On this site you will find: thousands of frugal articles and tips.

  Search Frugal Happy Families by Keyword Below


From the Editor

Editor's Corner

Frugal Romance

In Honor of Valentine's Day

Sullivan Ballouís Letter to his Wife - One of the most romantic letters ever written.

But, O Sarah! If the dead can come back to this earth and flit unseen around those they loved, I shall always be near you; in the garish day and in the darkest night -- amidst your happiest scenes and gloomiest hours - always, always; and if there be a soft breeze upon your cheek, it shall be my breathÖ... more



red tulip border

Frugal Wisdom Thru the Ages


"A penny saved is a penny earned. Benjamin Franklin

"Industry, thrift and self-control are not sought because they create wealth, but because they create character."  Calvin Coolidge

"I believe that thrift is essential to well-ordered living." John D. Rockefeller

"Beware of little expenses; a small leak will sink a great ship."  Benjamin Franklin


New and Featured Frugal Living  Articles on the Site

Frugal Health

sleeping6 Useful Tips to Help You With Your Sleeping Problem, by Jordan Wilson

Even the most relaxed person will have a stressful day or two now and then. If you are feeling stressed out, but it is bedtime, try some relaxation exercises to calm yourself down.  Deep breathing, focusing on one object and relaxing the muscles in your body can chase away the stresses so you can sleep peacefully... more


Frugal Pets

puppyHow To Potty Train Your New Puppy, by Scott Lipe    Tips on how to housebreak a puppy.

Potty training a puppy is a task that requires time and a lot of patience, there will be accidents. Choose areas that you are happy for the puppy to use as a toilet and place newspaper or mat there. Whenever your puppy appears to need the toilet take it to the area and wait with it, you can use short encouraging phrases if you wish... more


Frugal Clutter Control

cleaning duster5 Questions to Ask Yourself About Clearing Your Clutter, by Patricia Diesel   How to motivate yourself to declutter by the things that are stopping your from decluttering.

So often I hear clients say they would do just about anything to stop the harassing effects of their clutter.  After countless attempts trying to purge and being defeated, some people associate their lost battles with a feeling of being assaulted. ... more


Frugal Recipes

Crockpot Honey Carrots -  Easy and frugal honey glazed carrot recipe.

carrot cartoon

2 lbs carrots, peeled and cut into 1-inch lengths
1/2 cup raisins (golden)
1/2 cup butter, softened
1/3 cup honey.. more

Frugal Jobs

auction hammerHow Do I Make It Big on eBay?  by Uchenna Ani-Okoye   Some tips for starting an ebay business and ebay store.

Are you striving to get started on eBay and to make any money? It's definitely gettable for any unremarkable being such as you or me to make a large income. Most of the eBay power-sellers started from small and commence... more


Frugal Shopping

shopping cartShopping with Children, by Nikki Willhite  
Some tips to make shopping with children a learning and enjoyable experience.

It is always preferable to go shopping without your children.  However, sometimes you canít avoid it. ... more


Frugal Recipes

Chocolate-Covered Strawberries, by Melanie Mendelson.   Frugal and easy way to make chocolate covered strawberries with a chocolate bar.

chocolate covered strawberry

10 strawberries
1 8 oz chocolate bar
. .. more

Frugal Beauty

skincareDry Skin Treatment, by Nasrullah Mardani   How to take care of dry skin.

Do's and Doníts for Dry Skin.

1. If you have dry skins then use a glycerin or a super fat soap on the body...... more


Frugal Recipes

Easy Egg Casserole   Frugal recipe includes buttered bread cubes, milk and cheddar cheese.

boiled eggs and lettuce

4 eggs, beaten
4 slices bread, buttered and cut into cubes
1 cup Cheddar cheese (grated)..

Frugal Cooking

ketchupHomemade Ketchup- How to make your own ketchup from tomato sauce.

To truly make ketchup from scratch, a person would have to grow their own tomatoes, cut them into little pieces, boil them down, run the juice through a sieve, and then add the rest of the ingredients. However, I place that right along with spinning your own wool or making your own soap.... more


Frugal Decorating

BasketDecorating with Texture, by Nikki Willhite   The beauty and interior design benefits of adding texture to rooms when decorating.

Ever wondered why people have become so interested in old things, to the point of distressing new furniture? .. more


Frugal Recycling

recycle symbolUsing Your Fabric Scraps, by Nikki Willhite - How to make good use of all the fabric you have in your home.

Everyone has fabric scraps. They are in clothes that no longer fit, or draperies that are being replaced. As a frugal homemaker, you can take these scraps and make items of value...There are many, many ways to use fabric.  Here are some ideas to recycle fabric, and turn fabric scraps into fabric assets... more


Frugal Romance

heart with laceTrue Romance for Couples with Kids: 10 inexpensive ideas, by Susie Cortright - Some ideas to keep romance alive after several years of marriage.

Anyone can splurge on a formal dinner or a pricey bottle of perfume, but it takes creativity, forethought, and time to be truly romantic. The key lies in personalizing your celebration. Here are ten ideas to fuel your own creativity... more


Frugal Recipes

Potato Skins -   How to make potato skins from baked potatoes.


4 baked potatoes
vegetable cooking spray
1/2 cup sour cream or IMO
4 ounces cheddar cheese (grated). .. more

Frugal Recycling

newspaperThe Many Uses for Newspapers, by Nikki Willhite - How to recycle, repurpose and reuse newspapers.

Most everyone deals with newspapers. Even if you don't pay for a subscription, they are often delivered free to your door so that you will read the ads. I think we've all recycled and reused newspapers... ... more


Frugal Food Storage

freddie the freezerFreddie the Freezer, by Nikki Willhite - A light-hearted look at the frugal value of the freezer.

Freddie the Freezer is one of my favorite frugal friends. He saves me a lot of money. Freddie is just a little guy. He is not even 3-feet tall. I found Freddie at Sears. Someone had put him on sale. It didn't cost much to take him home... more


Frugal Recipes

Blueberry Pancakes -  Frugal recipe for homemade blueberry pancakes using canned blueberries.


1 1/2 cups flour
1 1/2 tsp baking powder
3/4 tsp baking soda
3/4 tsp salt
. .. more

Frugal Healthy Living

first aid kitHome Remedies, by Andy Casasanta - A few home remedies to try for minor aliments.

Ever have a bee sting?  Try rubbing an aspirin on it.  Gum in hair?  Soak the gum-coated hair in Cokeģ and it should wipe out easily.  While not being a replacement for medical attention, and you should always seek your doctor when you feel you have to and please take these home remedies with a grain of salt.... more


Frugal Simple Living

rainbow and sunThe Ideology of Being Frugal, by Nikki Willhite - The challenges and reason for being frugal in a consumer oriented society.

If you want to spend money, you will have a lot of help. If you want to live the frugal lifestyle, you won't. It's that simple. In case you haven't noticed, everyone wants your money.  People earn substantial incomes devising ways to part you and your money... more


Frugal Automobiles

carSaving Money on Automobile Insurance, by Nikki Willhite - How to save money on your automobile insurance and find the best auto insurance premiums.

My husband worked in the insurance industry for many years.  It didn't take long to learn that all insurance companies are not alike.  Some have higher premiums. Others offer better service. As far as saving money on your insurance premiums... more






Cash for Surveys

free tag

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

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. 



Free and Frugal Clip art 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

All Things


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." 


New and Featured Frugal Living  Articles on the Site

           frugal piggybank

Frugal Money Saving Tips

Help with Thrift and Frugal Living




 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!

Money and Happiness

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...

Free Clipart

Frugal Happy Families

Mini Preppers

Scrappy Quilting

Simple Living

frugal free clipart eagle

frugal mini preppers fireplace

frugal scrappy quilting churndash quilt block

frugal simple living sleepy snoopy and charlie brown

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

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

 Frugal Happy   Contact Us     Privacy Statement     Zero Tolerance for Spam