Save Money Frugal Tips

Top Three Excuses People Make to NOT Be Frugal

The most common thing that married couples complain about it money. And single people worry about finances as well. Still, adopting a completely frugal lifestyle is not as popular as you might think. The excuses people make to not be frugal range from convenience and quality to perceptions of societal acceptance. The following five excuses people make to not be frugal are common, and really quite silly if your goal is to spend less and save more.

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In the next few weeks, I will be posting a lot of information about how to save money during this festive holiday season. Of course, saving money is not only in the realm of those who celebrate Christmas. The information on saving money on gifts, decorating, and entertaining will be useful for those who celebrate Christmas, Hanukah, Kwanza, the Winter Solstice, or any other holiday I may not know about.

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A little bit of money can change a lot.

Rising costs and shrinking salaries can cause fear in anyone.the possibility of not being able to pay your bills that do not only financially, but emotionally as well. However, an attitude adjustment can help you become more at ease with your financial situation. As long as you still have your job and it pays your bills well enough to get by all that is needed to truly prosper as an attitude adjustment.

Many people live paycheck to paycheck. While this keeps them afloat it does not let them get anywhere. Not having some money in a savings account for a rainy day is scary. Instead of living with the fear, or having increasing debt pile upon you as you use credit cards for day-to-day expenses, adopt the attitude that little bit can change a lot.

More people are looking for part-time jobs, second jobs to augment their income to deal with rising costs and debt. Lots of times the take-home pay from these part-time jobs is negligible. It also can affect family relationships and your health.

How can a little bit change a lot?

I am completely self-employed and work from home. I’m a great advocate of making money on the Internet.While there are many scams and ways to waste your money, there are also many ways to make a little extra everyday. People with full-time jobs probably would not like a second full-time job on the Internet, or the type of small online business that will use several hours a day to run. There are ways to make very small amounts of money on a regular basis. For some ideas go to Get Paid Lots.

Five dollars extra each day may not seem like a life-changing amount. It is only 435 extra each week or $1825 in the year. Can that amount of money change your life?

Attitude adjustment that has to be made is,”Yes it can!’

$35 in a week and payfor your Internet, your telephone bill over the course of a month, or add to your savings. Paying an extra $140 a month on a credit card bill can reduce the total amount of payment and the time it takes to pay your car off.

There’s a saying: if you pinch your pennies, the dollars will look after themselves. A little bit can change a lot. All it takes is an attitude adjustment.

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To many people, the word frugal brings many thoughts to mind — most of them unpleasant.

They think of Mr. Scrooge or the 60′s mom that could make a chicken stretch through four meals.

Often, we are so caught up in making others think that we have plenty of money that we forget that we don’t. In fact, most of the people who scoff at living frugally aren’t well-to-do. They are the ones that are struggling financially. They wouldn’t even consider letting others think that they are frugal.

It is the well-to-do and those with money that often really understand what frugal living is. It is being in control of our money. This is a characteristic that most successful, and wealthy, people display. They understand that we control our money, it does not control us.

But don’t think that it is easy. Frugal living is quite hard. It takes a lot of thought and discipline. Money is a tough lion to try and tame. It will seem to beat you back every time. But if you look at living frugally as a challenge with great rewards, you will be able to handle it just fine.

Frugal living gives you the ability to own a vehicle without having an auto loan. You are one of the few that can go shopping without a credit card. If you are frugal and wise in your money decisions, you can have everything you want, without the stress and emotions that come with debt.

To be frugal, you have to make a commitment. You can’t simply be frugal once a month and see results. You have to train yourself to be frugal in every situation. You have to make it a part of your daily routine. Look for ways to recycle and cut waste and spending.

The one secret that will keep you frugal lies in setting goals. Once you have identified what you want to achieve, it will be easier to be frugal. You are working towards something. Make a budget and track the things you do that are making your dreams reality.

One of the largest problems that many consumers face is shopping. To be frugal you have to decide to not shop anymore — at least for things you don’t need. The frugal shopper knows exactly what he needs and he looks at all of his options. Being frugal means that you make do with what you have. You use all of something before you buy a new one.

You don’t have to give the things you love up. All you have to do is see that they fit in your budget. If they don’t, you may have to put them on the back burner for a while until you free up some room. Frugal living isn’t about doing without, it’s about doing better.

Know where your give and take is. If you care deeply about your wardrobe, but not so much about your food, spend less on food and keep your clothing the way you like it.

One of the best features of frugal living is that it is based on you. Yes, I can tell you that frugal people save the twist-ties off of bags of bread. But if you have no use for those twist-ties, they are wasting your time. Being frugal is make the best of what you have, not what I have or others have. You are cutting your spending in order to save for your goals. We all do it in different ways.

Frugal living is essentially living beneath your means. You are saving and not spending every cent you make. It’s a challenge, but one that makes you a better person. It teaches us, and our children, self control. Many successful businesspeople come from very poor backgrounds. They are successful because the frugal life taught them how to sacrifice and exhibit self-control.

Answer these questions:

What if you lost your job tomorrow?

What if you were injured and could never work again?

What if you lost all of your investments?

Are you able to survive to live as you are right now?

These are tough questions. You need to work to have answers for them. Living frugally will give you the security you need.

Martin Lukac represents RateTake Refinance marketplace. RateTake matches consumers with multiple lenders offering low rates. Got too much credit debt? Get Debt Relief and you’d be surprised what we can do together.

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