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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



                Frugal   Living     Thrift     Saving Money    Penny Pinching





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 Recycling

Recycling Limits: Recycle like a Shopper - Limits you should put on recycling to guard against clutter.

Recycling is great for the pocketbook, and an eco-friendly thing to do. However, taken to extremes, our homes can become full of useless items that we plan to recycle but never get around to doing.

There may be a point when collecting items to recycle crosses a line.... 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

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." 

Frugal Halloween Decorations

spiderwebQuick and Easy Halloween Decorations, by  - Simple ideas to decorate your home for Halloween.

There is no need to spend lots of money decorating your house for Halloween. These quick and easy decorations use items you may well have around the home... more


Frugal Recipes

Easy Slow Cooker Caramel Apples - An easy recipe for making caramel apples in the slow cooker.

candied apples

4 large tart apples, cored
14-oz jar caramel sauce
1/2 cup apple juice. .. 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.... more



Frugal Halloween

Jack 'O Lanterns and Trick or Treat BagsKid Friendly Halloween Crafts - 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. ... more 


Frugal Recipes

Hamburger Cornbread Casserole -  Ingredients include creamed corn, green chilies and cheddar cheese.




3/4 lb hamburger
1 onion, chopped
1/2 cup green pepper, chopped
 .. more

Frugal Halloween Activities

Halloween cat on pumpkinFun & Easy Halloween Party Themes And Ideas - Frugal and Fun party ideas for Halloween.

Halloween is the day of the year that has the most parties thrown in its honor. Everyone loves to dress up and attend Halloween parties with their friends...

Many people donít bother thinking of a theme for their Halloween party since it seems to be somewhat of a theme already.... more


Frugal Recycling

sweaterHow to Repurpose Wool Sweaters - How to felt wool, and different ways to reuse wool from old sweaters.

Repurposing, recycling and living green are presently very popular words. Repurposing items use to be done because of financial necessity. Now it is done by choice. It is now considered a valuable and admired skill to be able to repurpose items...more


Frugal Halloween Costumes

DraculaTen Thrift Store Halloween Costume Ideas - Some costume ideas created from thrift store items.

Thrift stores are the perfect place to buy clothing for Halloween costumes. The prices are affordable and the selection usually wide enough for bountiful creativity. Some thrift stores carry Halloween accessories as well, so you may pick up everything you need .. more


Frugal Cleaning

auction hammerSell and Clear the Clutter - Options how to sell your stuff and make money.

How many of us have items in our home that are no longer serving us? There are many reasons why our homes are often full of things that we are no longer using.

Nothing ever stays the same. Kids outgrow clothing, we lose interest or can no longer do some of our leisure activities, people give us things we really don't need or use, and so forth...more


Frugal Halloween Costumes

Halloween HouseHomemade Halloween Costume Ideas For Children - Some Halloween costume you can make for children using items around the house.

You 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.... more


Frugal Recipes

Peanut Butter Ball Snacks -  An easy, nutritional no-cook snack made with peanut butter.

happy peanut cartoon

1/2 cup peanut butter
1 cup Instant nonfat dry milk
1/2 cup corn syrup. .. more

Frugal Simple Living

rainbowSimple Living Slow Down - 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

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Frugal Money Saving Tips

Help with Thrift and Frugal Living




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"

 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."


Resources for Frugal Living

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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

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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