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Frugal Living, Thrift, and Saving Money

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From the Editor

  Editor's Corner

Frugal Prescription Drugs


The New Way to Save Money on Prescription Drugs


by Nikki Willhite


I have written a lot of frugal articles on how to save money on prescription drugs over the years.  A lot of the tips I gave in those articles are still true.


However, as of this writing (2016), things have changed in a big way.  The bottom line is that it is now more frugal to pay for your prescription drugs with cash. Forget about your drug insurance.  It will cost less than your deductible to pay cash.


I'm not going to go into the reasons this has happened.  I am just going to tell you what to do and how to check this out for yourself.. ..more



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Frugal Wisdom Thru the Ages


What does it mean to be a FRUGAL person?  Frugal people like to SAVE MONEY and stay out of debt.  Frugal people spend their money carefully.




Frugal people save money on the things that are not important to them so that they can have the things that are important to them.

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New and Featured Frugal Living  Articles on the Site


Frugal Money Management

Children, Money and Frugal Living: Frugal Living Children.  The importance of teaching children about frugal living and the story of Curtis Martin's sacrifice to help his family's finances.


Frugal Recipes

biscuitsBaking Powder Biscuits: Frugal Favorite Dinner Food.  How to quickly make a light and fluffy baking powder biscuit.


Frugal Decorating

little houseDecorating and Color Schemes: Frugal Color Choices. How to make frugal choices colors and choose finishes for your home that will last.


Frugal Recipes

CoconutsCoconut Cookies: Easy and Frugal Homemade Coconut Cookie Recipe   A frugal homemade cookie easy to make with shredded coconut.


Frugal Beauty

sewing machineShould You Sew Your Clothing? Is Sewing Your Own Clothing Frugal?  The pros and cons of sewing, and frugal tips on sewing clothes to save money.


Frugal Recipes

cookiesCocoa Cookies: Frugal Homemade Chocolate Cookies   A frugal homemade chocolate cookie made with cocoa and white sugar.


Frugal Clothing

sweaterCommon Clothing Mistakes: Clothing Advice for the Frugal Homemaker   Advice on how to choose good frugal clothing and avoid bad choices in style and fabrics. 


Frugal Recipes

cornCorn Chowder Recipe  Frugal Corn and Potato Chowder.  Frugal homemade corn chowder recipe made with bacon and red potatoes.


Frugal Decorating

graniteGrumbling About Granite: Not Frugal and Not Missed!   Some of the expenses and high maintenance issues with granite.


Frugal Recipes

strawberryEasy Strawberry Mouse: Fast, Frugal and Delicious. Frugal and easy blender recipe for strawberry mousse using fresh strawberries.


Frugal Home Safety

fireHome Fire Prevention: Frugal Protection for Your Family.  Frugal things you can do to protect your family from home fires.


Frugal Clothing

pink dressHow to Save Money with Mix-and-Match Clothing: How to Make Clothes Frugal.  How to build a frugal wardrobe and save money by mixing and matching clothing.  Tips and Advice on how to buy frugal clothing that will fit right and look good.


Frugal Health

confused smileyMedicare Missteps: Frugal Health Insurance Policies, by Nikki Willhite.  Advice on choosing a Medicare insurance plan and a Medigap policy. 


Frugal Home Improvements

storage shedSimple Living and Storage Sheds: The Frugal Home Accessory.   Frugal storage sheds that are low maintenance, last a long time, look good, and may keep you from moving.


Frugal Kitchen Help

cheesecakeTips for Preparing Cheesecake: Frugal Tips to Make Cheesecake Better.  Kitchen help to make a better cheesecake.


People have been debating for ages if cheese cake is a pie or a cake.  However, if cheesecake is a cake, cheesecake is to cake like fudge is to candy.  Cheesecake is one popular and decadent dessert!


Frugal Stress Relief

stressed womanStress Relief: Don't Ignore the Symptoms of Stress  Some of the symptoms that may be a result of stress. 

Cartoon stress is funny.  Real stress isn't.  Stress can lead to anxiety disorders, depression and other debilitating conditions which affect the quality of your life.


Frugal Grocery Shopping

produceYou are Your Grocery Bill, by Nikki Willhite   How to save money planning meals and frugal shopping at the grocery store.


Frugal Weight Loss

weight scaleMidlife Weight Gain in Women: Put Down the Risky and Unregulated Pills, by Nikki Willhite   Why women gain weight as they get older and how to be frugal and lose weight.


Frugal Haircuts

girlSimple Living Haircuts  How to make taking care of your hair frugal and easier with a simple living cut.

Hair is important to most women. Men don't get it. I've seen too many male hair stylists cut a women's hair too short and drive them to tears.


Frugal Decorating

Indian BlanketSouthwestern Decorating - How to decorate in the frugal and rustic southwest decorating style.

Southwestern decorating can be very rustic and very frugal.  If you've ever seen "Fixer Upper" on HGTV television, you've seen touches of rustic style.


Frugal Utilities

lightbulbSave Money on Electricity,  by Nikki Willhite.  How to Cut Your Electric Bill.  Save money on home electricity costs.


Frugal Beauty

PedicureHomemade Pedicures  How to Give Yourself a Frugal and Time-Saving Pedicure at Home.


Frugal Jobs

auction hammerBuying Thrift Store Items for Ebay, by Nikki Willhite  How to buy used items and thrift store items for resale on Ebay.


Frugal Decorating

cottageFrugal Cottage Decorating  Frugal tips to decorate cottage style and have fun with cottage decorating.


Frugal Food Storage

FreezerFreezers after 40  - Frugal Use of Freezers for Empty Nesters  and those Who Live Alone.


Frugal Decorating

floral pillowFloral Decorating Beauty: How to Choose Frugal Floral Décor   How to be frugal choosing floral patterns to bring into your home.


Frugal Cooking

ParsleyCooking with Herbs   The nutritional benefits of herbs as well as the way to use them to add flavor and seasoning to your meals.




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Frugal Tips of the Week


Saving Money on Frosting




The most frugal frosting is made from boiling granulated sugar.  Next to that would be homemade frosting made with powdered sugar.  Either one of these choices is thrift friendly..... more


more frugal kitchen help

Frugal Cake Tips



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Featured Recipes of the Week



Here are links to frugal and/or easy candy recipes. Nothing fancy here- just classic, frugal homemade recipes.


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Buckeye Balls Candy  Easy Chocolate and peanut butter candy recipe.

Cake Mix Chocolate Fudge Squares  Fudge like squares made from a cake mix with a cream cheese topping.

Homemade Peanut Butter Cups   An easy homemade version of peanut butter cup candy.



Frugal Favorites

frugal favorites



little house

Decorating with Texture

Fixing Up Old Cupboards

Pattern Perfect



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Frugal Shopping - Importance of Color 

Shopping and the "Rule of 3"

Wants vs. Needs



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Frugal Clothing Alterations

Frugal Clothing Choices

Judging the Price of Clothing



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Frugal Living and the Domino Effect

Manageable Tasks: a Tool for Simple Living

Simple Living and the "Law of Unintended Consequences"






Tightwad Tidbits

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Click below to find hundreds of money saving tips in alphabetical order






























The Frugal Library

Frugal Reading



Resources for Frugal Living


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Be warm, be safe;  save time and money.