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Frugal Living and the Domino Effect

Don't Let Debt Get Out of  Control



by Nikki Willhite


We've all heard about the "domino effect." One thing leads to another, just like a trail of perfectly placed dominos that fall on each other when you trip the first one.


Many of our mistakes with money come because of the domino effect. Simple decisions result in a spiral of mounting expenses.


We've all heard that we should live below our means and save money. Let me give you an example of what can happen if you "push" your budget.


Many people try and buy the largest home they can afford.  They just look at the mortgage payment, and think that if they do without a few things they will be fine.  Buying a large home is one of those things that leads to further expenses.


When you buy a large home you are probably not going to have enough furniture and accessories to fill it up.  Few people are content to live for long with empty rooms. This will lead to spending money just to fill up the space.


Then there will be the things in your new home that need fixing, replacing, or are just not to your taste. The larger the home, the more money is it going to cost to do anything to it, such as putting in new carpet, painting walls, etc.


This large home is now going to need a greater amount of cleaning supplies. It is going to take more of your time to clean this home, and you are probably going to buy expensive and unnecessary cleaning products just so you can get the job done as quickly as possible. Your vacuum and other tools will wear out sooner because of the additional "wear and tear" from the added space, and you will have to replace them more often.


Your utility bills will rise. Your yard is going to need more time, attention, and money.  Your property taxes will be higher.  You children may want more expensive clothing so that they fit in with the other kids.


And so goes the domino effect.  Your decisions may be as small as an impulse piece of clothing that needs an additional item so that you can wear it, or as large as the above example of buying a large home.


Remember the importance of your decisions.  Most of them have consequences.  It is no different when it comes to money. 


About the Author: Nikki Willhite, mother of 3 and an interior design graduate, has been writing and publishing articles on the topic of frugal living for over a decade. Visit her at - where you will find hundreds of frugal living tips and articles. Frugal Happy Families- more than just money!






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tips in alphabetical order


A - Frugal Tips: Acne - Automobiles


B - Frugal Tips:  Babies - Buttons


C - Frugal Tips: Cakes - Cutting Boards


D - Frugal Tips:  Dandruff - Dryers


E - Frugal Tips:  Eating Out - Eyeliner


F - Frugal Tips:  Fabric - Furniture


G- Frugal Tips:  Garage Sales - Groceries


H - Frugal Tips:  Hair Humidifiers


I - Frugal Tips:  Ice - Ironing


J - Frugal Tips:  Jars - Junk Mail


K - Frugal Tips:  Ketchup - Kitchen Pot Hangers


L - Frugal Tips:  Ladders - Lotions


M - Frugal Tips:  Mac and Cheese - Mushrooms


N - Frugal Tips:  Nail Polish - Nuts


O - Frugal Tips: Oatmeal - Ovens


P - Frugal Tips: Paint - Pumpkins


Q - Frugal Tips: Quiche - Quilting


R - Frugal Tips: Radishes - Rubbing Alcohol


S - Frugal Tips: Sales - Sweetened Condensed Milk


T - Frugal Tips: Tablecloths - TV Dinners


U - Frugal Tips: Upholstery Fabric - Utilities


V - Frugal Tips: Vacations - Vinyl Tablecloths


W - Frugal Tips: Wallpaper - Wreaths


XYZ - Frugal Tips - Yams - Zucchini



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