5 Frugal Living Ideas

 5 Frugal Living Ideas

{Click to Pin It}

Who doesn’t want to learn how to save more on their daily expenses? Times are tough and even those with money may want to live frugally to ensure their money lasts.

If you’re planning for retirement, have a family and kids or even if you’re a college student looking to have a little more left over at the end of the week, here are 5 frugal living ideas you can begin using today.

5 Frugal Living Ideas:

1. Adjust your monthly food budget – How much do you spend on food? Chances are high that you’re spending more than you should be, even if you’re already trying to pinch pennies. The first step? Stop eating out. The food is overpriced and it’s usually not good for you anyway. If you love eating out, make it a special treat for only once a week or once a month.

Another good tip is to reduce the amount of pre-processed foods you buy. These foods are expensive and they don’t have as many nutrients as fresh foods, meaning you get hungry again end up eating more. Some other ways to save on your monthly food budget are to use coupons and to save your leftovers. So many families throw perfectly good food in the trash. That’s like throwing your money away!

2. Pool your resources – When you reach out to those around you and begin to share your resources, you can really save some money. Create a trade or barter group to get rid of extra and buy things at a cheaper rate. Carpool with other families to save gas and keep your car running longer. Get in close with other parents and work together to handle the costs and responsibilities of raising kids. A nice set of hand me downs can work wonders when money is tight.

3. Commit to a “no-cost” entertainment schedule – We spend money all the time on entertainment. Going to the movies costs nearly fifty bucks for an average couple with tickets, popcorn, drinks, candy. You get the idea.  Want to attend a concert? Chances are you will spend some serious cash there too. If you really want to drop your spending, commit to a no-cost entertainment lifestyle for a time.

Spend a month only doing things that are free or very low cost. Take a walk, go swimming, play some basketball or camp out for the weekend. These are only a small handful of ideas that you can add to with a little thought.

4. Reduce, reuse and recycle- By practicing the 3 R’s, you’re helping the environment and your bank account at the same time. You should start with reducing any bills, obligations or purchases you don’t have to make. You can also reduce clutter in your home and sell it on a site such as Craigslist or trade it for things you need, avoiding having to buy new.

You should also try to find ways to reuse things whenever possible. There are different degrees of what is “acceptable” when it comes to reusing and really only you can decide what works for you. Look at your own life and habits and examine some ways that you can reuse things and save money.

Finally, recycle when you can and accept recycled items. If you must buy new, consider buying products made from recycled materials. You complete the circle.

5. Avoid long term commitments and contracts- Many people get sucked in by “good deals” that offer you something for free in exchange for a long term commitment or contract. The perfect example would be cell phone plans. This is tricky because it may seem like a good idea up front. In the long run, you’re paying more whether you need it or not and if you try to get out of the contract, you’ll be hit with big penalties.

Are there any other important things that you do to help save in your everyday life? Are there any tips you would add to these frugal living ideas?

You might also like 4 Ways to Save with Money Saving Jars

2 comments

Disclosure: This post may contain an affiliate link.

35 Other Uses for Coffee Filters

Other Uses for Coffee Filters

{Pin It}

There are countless other uses for coffee filters other than just making your cup of Joe in the morning.  You can get crafty, clean-up around the house, hold food and more!  Their durability and versatility make it wise for any money-saver to find other uses for coffee filters!

Coffee filters are super cheap, so finding other uses for coffee filters can really help stretch your budget.  Find them at the Dollar Tree, Walmart or just about anywhere.  A 200 ct package will cost you $2 or less! I found several Coffee Filters on Amazon that are only $0.011 per filter!

Other Uses for Coffee Filters:

1.  Let kids draw on a coffee filter with markers then get the filter damp.  The colors will run slightly making a nice look for paper flowers.  Finish the ends with a pipe cleaner.  Kids can make single flowers or put them together in a bouquet.

2.  Make a parachute for your child’s action figure with a coffee filter and string.

[Read more...]

No Comments

Disclosure: This post may contain an affiliate link.

3 Household Money Saving Tips

Household Money Saving Tips
{Click to Pin It}

The price of food and other necessities continue to rise and the economy is recovering slowly.  This has many households looking for ways to save money.  There are many things you can do to cut back on your spending, without reducing the quality of life you’re used to.

Have a family meeting to discuss the importance of saving money and to talk about ways you can cut back on your spending. Below are three household money saving tips that can help you get started.

Household Money Saving Tips:

Cut Back On Your Energy Usage – Cutting back on your energy usage is a great way to save money.  There are a lot of small things you can do around the house to make a difference. You can start by adjusting your thermostat up or down just a few degrees to save energy.  As well as keeping those filters changed. When the system is running smoothly, it uses less energy.  Make sure to read my post on 10 Frugal Heating Tips to help you save more on heating.

Additionally, when not in use cut off and unplug electronics.  You can also turn off lights, fans, TVs, etc when you leave the room, even if you plan to return shortly.  Following these simple rules can help you save energy, which means you’re also saving money.

Don’t Impulse Buy – Do you or someone in your home tend to buy things on impulse? This gets a lot of people in financial trouble. You have to fight the urge to buy that big screen TV just because it’s on sale. Sure, it’s a great deal but do you really need it? If not, then it’s a waste of money.

Many people also have a tendency to impulse buy when they go grocery shopping. If you catch yourself putting things into the cart that looks good at the time but that you really don’t need, it’s time to make a grocery list and follow it precisely.  When you stick to the list, you’ll buy items for meals instead of junk food and you won’t have to go back out the next day to buy something for dinner.

Cut Out Unnecessary Trips – Sometimes, you’ll find the need to run out to the store for an item or two but for the most part, you can cut out a lot of unnecessary trips to the store and other places if you just plan better.

Stop by the store on your way home from work instead of going home and then back out again to pick up that gallon of milk or loaf of bread. Combine trips whenever possible and if you don’t really need to go out, stay home.  Think of all the money you can save in gas and wear and tear on your vehicle!

The money you save can go towards a nice family vacation or anything else your family agrees to save towards together.

By making a few simple changes around the home and by being conscious of how much money you waste, you can cut back on your spending and these household money saving tips can help.

What are your Household Money Saving Tips?

1 Comment

Disclosure: This post may contain an affiliate link.

5 Must Have Frugal Kitchen Staples

Frugal Kitchen Staples

{PIN IT}

Having the right supplies is the key to any situation and it is certainly true in the kitchen. Frugal kitchen staples are quite simply the basics of economical cooking…those items you can’t do without when you are trying to make your recipes. These staples are generally inexpensive and diverse, making them very valuable to you in a number of ways.

5 frugal kitchen staples most home chefs can’t do without:

Pasta – When it comes to frugal staples, pasta is at or near the top of most lists. What makes it so valuable? For one thing, pasta can be combined with so many different things…you can make spaghetti, mix in veggies for a light pasta salad or simply mix it with olive oil for a light meal by itself.

It can be used in so many different combinations that it will always be a primary staple in the kitchen. It also keeps very well and won’t go bad for quite a long time. PLUS coupon users can usually get pasta for free after pairing a sale with a coupon!

[Read more...]

1 Comment

Disclosure: This post may contain an affiliate link.

April Seasonal Fruits & Vegetables

Seasonal Fruits & Vegetables

April Seasonal Fruits & Vegetables

One of the best ways to save money on Fruits & Vegetables is to buy what’s in season.  Also, you’ll want to stock-up and freeze or can some for later use when you come across a good sale so that you can have a variety to choose from through-out the year.

Here’s what to look for on sale this month at your local Grocery Store and Farmers Markets:

FRUITS VEGETABLES
Apricots
Honeydew
Oranges
Papayas
Pineapple
Strawberries
Artichokes
Arugula
Asparagus
Avocado
Beets
Carrots
Cauliflower
Celery
Cucumbers
Greens
Mushrooms
Onions
Peas
Parsnips
Rhubarb
Scallions
Spinach

 

 

1 Comment

Disclosure: This post may contain an affiliate link.

16 Other Uses for Listerine

Other Uses for Listerine
{Pin It}

Listerine isn’t just for freshening your breath and reducing plaque.  Originally in 1879, Listerine was found to be an effective antiseptic for use in surgical procedures! It wasn’t until 1914 that Listerine became the first prescription product in the US to be sold over the counter as a product to kill oral germs.

As you can see, Listerine has a long history.  Some of the other uses for Listerine are possible because of the essential oils; menthol, eucalyptol, thymol and methyl salicylate.  These work together to create a great antiseptic, bug repellant, anti-fungal treatment and more!

Other Uses for Listerine:

1.  Clean mold and mildew in your bathroom -  Listerine is great for cleaning mold and mildew.  Simply soak your cleaning tool in Listerine and scrub away.  Another one of the other uses for Listerine in the bathroom is to remove hard-water stains and for shining bathroom fixtures.

Bonus – Instead of discarding that old toothbrush, you can use it to get into hard to reach places!  Don’t forget to label it for cleaning only.

2.  Clean your toilet bowl – Clean your toilet bowl and make it shine by pouring in 1/2 cup of Listerine instead of toilet bowl cleaner.  Scrub with the toilet brush as usual.

[Read more...]

2 comments

Disclosure: This post may contain an affiliate link.

Learn How To Pick the Perfect Produce

How to Pick the Perfect Produce
{Pin It}

One way to save money at the grocery store is to ensure that produce is bought at the optimal time in relation to when you want to use it. Not only is it important to know how to determine ripeness for different types of produce but it is also necessary to know which types of produce will continue to ripen once picked.

Below is a summary including advice on evaluating 20 different types of produce, so you can learn how to pick the perfect produce.

1) Cantaloupe should feel heavier than it looks when it is ripe. The smell will be sweet and musky but not overly sweet. If it smells too sweet, it is probably over ripe. Lastly take a look at the stem to be sure that there is no lip present. If you do purchase a cantaloupe that is not ripe, you can leave it on the counter to ripen over time.

2) Pineapple will be firm to the touch when ripe and will smell sweet. If the pineapple smells like vinegar it is over ripe and if it smells like nothing, it needs to ripen more. The entire pineapple will be a golden brown color without any lingering green color at the base. Lastly if you try to pluck a leaf from the top and it comes out easily, the pineapple is ripe.

3) Strawberries should be completely red. If the green color is present at the top/stem, it means that the strawberry is not fully ripe. Ripe strawberries will smell distinctly sweet. Always look at the bottom of the container for any signs of mold or fermentation.

4) Mangos have different varieties so you should be familiar with the kind you want in order to determine if it is ripe. A ripe mango will always smell sweet especially near the stem where the smell will be the strongest. A mango will be soft when it is ripe and it will feel heavier. Mango will continue to ripen after being picked but do not refrigerate if the mango needs to ripen further.

[Read more...]

No Comments

Disclosure: This post may contain an affiliate link.

5 Tips for Saving Money on Emergencies

Saving Money on Emergencies

{PIN IT}

One of the most important things that you have to learn financially is how to save money. Saving money on emergencies is particularly important. Most people are savvy enough to put away money for college, a new car or possibly a great vacation. Emergencies are not quite as easy because they are unpredictable.

When you lay out your budget every month, how much do you set aside for the unknown? Would you be prepared in an emergency?

5 Tips for Saving Money on Emergencies:

1. Never get too comfortable to save – Emergencies are totally unpredictable and they tend to come in batches. Some folks will go for a bit and start to feel as though their fund is big enough. They stop saving and suddenly they will have four or five emergencies in a row. This lull in saving is common and should always be avoided if you want to truly be prepared.

2. Set aside a set amount each month – Saving money on emergencies requires discipline when things are going well. As a regular part of your budget, set aside money every month for emergencies and the unexpected expenses that will no doubt show up. This amount varies depending on your budget.  You should aim to build an account that could cover you for at least a year in the event of your being unable to work.

3. Be disciplined once that savings builds – It is very easy to look at that money sitting in the account and start to think of things that you could do with it. A vacation, a trip to the salon and even a new wardrobe can be very tempting when the money is not currently needed. Don’t give in to these feelings and stick to the budget.

4. Remove temptation by putting in a bank – Saving money for emergencies is not going to work if you keep the money under your mattress. Money that is in front of you tends to “find” emergencies on a regular basis. You would be amazed at the things that can become emergencies when you have the cash in reach. Put the money in a bank and never look at it other than to make sure it is accurate each month. Savings are meant to stay hidden until you need them.

5. Put leftover budget money into the emergency fund – When you set a budget each month and then end up not spending all of it in a particular category, go ahead and move that extra money into emergency savings. If you are purposefully holding onto money so that you can buy something that costs more, that is different. An extra twenty bucks in your entertainment budget this month could be easily fed into the emergency fund though.

Saving money on emergencies is really all about discipline and a commitment to preparing for the future. The comfort you will feel having that money set aside will give you confidence in your daily life. Things are not so scary out there when you have some savings set aside.

What are your tips for Saving Money on Emergencies?

Looking to start saving money with coupons?  Download my FREE Simple Savings Coupon Workbook!

You might also like this inexpensive ebook for more tips: Emergency Fund 101: How to Save Money for Unexpected Expenses (Money Matters).

No Comments

Disclosure: This post may contain an affiliate link.

March Seasonal Fruits & Vegetables

Seasonal Fruits & Vegetables

March Seasonal Fruits & Vegetables

The best way to save money on Fruits & Vegetables is to buy what’s in season.  Also, you’ll want to stock-up and freeze or can some for later use when you come across a good sale so that you can have a variety to choose from through-out the year.

Here’s what to look for on sale this month at your local Grocery Store and Farmers Markets:

FRUITS VEGETABLES
Strawberries
Tangerines
Avocados
Grapefruit
Lemons
Oranges
Asparagus
Beets
Broccoli
Green Onions
Peas
Turnips
Cabbage
Carrots
Lettuce
Mushrooms
Chard
Collards
Kale

 

No Comments

Disclosure: This post may contain an affiliate link.

20 Other Uses for Dryer Sheets – Not Just for Laundry!

20 Other Uses for Dryer Sheets

{Pin It}

Do you throw in a dryer sheet every time you switch your clean clothes from the washer to the dryer?  STOP throwing out those dryer sheets after just one use!   Dryer sheets have many uses other than keeping your clothes soft and static-free.  The other uses for dryer sheets include everything from cleaning to air freshener to rodent repellant.

USED dryer sheets are sufficient for most of these tips, they don’t have to be new.  Keep an old tissue box or old dryer sheet box next to the dryer to store your used dryer sheets until they’re needed.

Other Uses for Dryer Sheets:

1. Clean the Laundry Room:  After you finish a load of laundry, use the dryer sheet to wipe off excess dust and grim from your washer/dryer, clean the drum or get excess lint off the lent trap and surrounding the lent trap.  I do this after (almost) every load.  I’m famous for having drops of dried up laundry detergent on my washer and this works like a champ!

2. Dusting:  Did you know a dryer sheet makes a great duster?  They easily grab dust off furniture, baseboards and my personal favorite – blinds!

3. Bathtub/Shower Scrub:  Wet a dryer sheet and use it to scrub off soap grim from your shower or bathtub.  This works great for shower doors too!

4. Stinky Sports Bags:  Place a new dryer sheet in your gym bag or sports equipment bag to help keep away the stink.  My son’s Tae-Kwon-Do bag gets a terrible foot odor without a dryer sheet – EWW!

5. Car Freshener:  Keep your car smelling fresh by placing new dryer sheets under the seats, in the glove box, trunk or under floor mats to keep your car smelling fresh for less.

6. Stored Items:  Do you have items such as luggage, sporting equipment or camping gear that is rarely used?  Place a new dryer sheet in items stored in the garage, attic or basement.

7. In Shoes:  Place a dryer sheet in your shoes to help minimize odors.

8. Insect Repellant:  Put a new dryer sheet (Bounce brand works best) in your pants pocket to help keep away mosquitoes and gnats without having to spray chemicals.  If the insects are particularly persistence, try rubbing the dryer sheet on your clothes and even skin to keep the buggers away.

9.  Clean-up Hair:  Anyone else always have hair all over the bathroom floor?  Those individual strands can be a pain to clean up, but a used dryer sheet is perfect for the task!  The hair clings to the dryer sheet, so a quick wipe on your bathroom floor will work wonders.  You can even use your foot to wipe the floor while you brush your teeth – multitasking is always best :)

10.  In Your Clothes Drawers:  Keep dryer sheets in your drawers to lengthen the fresh smell of your clothes.  This is a great alternative if you don’t know how to make a sachet.

11.  Reduce Static Cling:  Rub a dryer sheet over clothes (even your hair starting at the root) to reduce static cling.

12:  Make That Iron Shine:  Turn your iron on the low setting and rub the surface with a dryer sheet to remove the gunk.  Make sure to be careful not to burn your fingers!

13.  Air Freshener:  Place a new dryer sheet over the heating vent.  Not only will your home smell fresh, it helps to collect dust.  Change sheet about once per week or as needed.

14.  Diaper Pail:  Place a sheet in the diaper pail to help keep odors in check.  You can also place a dryer sheet into a used diaper before rolling it up and discarding.

15:  Rodent Repellant:  In addition to keeping away insects, use dryer sheets at the entrance to mice holes or in campers to keep the rodents away.  Apparently rodents don’t like to smell fresh!

16.  Clean Computer and TV Screens:  Gently wipe the screen of your computer or TV screen with a dryer sheet.  Not only will it help remove the dust but it will help repel future dust build-up.

17. Clean-up Flour and Powder:  Having trouble wiping up spilled flour or powder?  The fine particles will cling to the dryer sheet and make clean-up a snap.

18.  Pet Hair Removal:  If you have a pet that sheds, rub a dryer sheet over your clothes (or even directly over your pet) to remove pet hair.  It can also help to hide the “wet dog” smell after Fido has been outside in the rain.

19.  Freshen Up Old Books:  Place a dyer sheet in an old book and zip up in a plastic bag for a couple days to help get rid of the musty smell.

20.  Make Chrome Shine:  Prevent streaks and make chrome shine with a new or used dryer sheet.  This is great for hubcaps or your toaster!

People have been using dryer sheets to do laundry since they were first invented in the 1960′s.  Due to the fact that they are relatively inexpensive and widely available, we have come up with many other uses for dryer sheets than just to keep your socks from clinging to your blouse.

Most of these other uses for dryer sheets should also work with natural dryer sheets such as Seventh Generation Fabric Softener Sheets if you prefer to use sheets with plant-based ingredients.

What are your ideas for other uses for dryer sheets?

You might also like my Uses for Rubbing Alcohol!

No Comments

Disclosure: This post may contain an affiliate link.