frugal living, thrift, saving money and penny pinching banner


Frugal Living, Thrift, and Saving Money


Simple Living Tips


Baby Steps

For tasks that are difficult, break them down into segments, or manageable tasks.  Don't let anything "overwhelm" you. 

Buy Less

The more items you purchase, the more things you have to take care of and maintain.  Be sure that you buy only what you need and use.


Do not fill your homes and lives with things you do not need.  They just get in the way of enjoying that which serves you and makes you happy.


Be prepared for the emergencies that can happen to your family and in your area, and you will sleep better at night.  That includes having an emergency fund of money in case you lose your job.


Learn to be grateful for what you have, and don't think of what you don't make comparisons to other people.


When you need help, ask for it.  Turn to family and friends when needed, and be willing and ready to help them through hard times.

Life Insurance

Life insurance premiums are at an all time low. This is due to several reasons, including women having their own jobs, and the high divorce rate. Take advantage of these low rates and protect your family. Buy Term life insurance. It is the most economical way to protect your family. Get it while you are young. Things happen when you get older- and you may become uninsurable. Life is more peaceful when you don't have to worry about the future of your loved ones.


Periodically review your life, your goals, and how you spend you time. Make sure you are on the right road, and going in the right direction to a destination you want to reach.

Small Steps

Set a goal of doing at least one thing each day that you don't like to do....but need to do. If you tackle just one of these tasks each day, you will have a great feeling of accomplishment at the end of the day. It will make the things you do like to do more pleasant, as you don't have the other things that need to be done nagging at you. 

Want Less

Don't choose to be unhappy because of lack of material possessions.  Start a gratitude journal so you realize all the good things in your life.





HOME     webmaster      privacy statement