Save Money Frugal Tips

There are millions of tips for being frugal on the Internet, in books, on TV and in magazines on newsstands shelves. There are so many that it might be difficult to figure out what exactly you can do to be frugal to begin with. Of course, you can pick five or 10 of the tips and implement them into your life and then, once you have those down pat, pick five or 10 more.

To make things easier on yourself consider the following top five tips for being frugal:

One — Don’t Buy Anything You Don’t Need

While everybody wants to splurge once in a while, not buying anything you don’t need is the most important step towards a frugal lifestyle. If you only want something, chances are you’ll want something different next week. (more…)

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Save your money and one day it'll return the favor.

People struggling in this tough economymay ask themselves, “Am I saving enough money for emergencies?” If you are unsure, or feel that you have no extra money to put in savings in case anything goes wrong, reevaluate your personal finances and tweak your budget to include more rainy day money.

Am I Saving Enough Money for Emergencies? – Read More Here

How much should you save for emergencies?

A general rule of thumb is to save 3 to 6 months worth of living expenses. This amount is most important in case of job layoff or illness. When you have this amount of money put aside, you can use it as well for incidental emergencies such as plumbing problems or car repairs. The money you take out for these things should be repaid to the account as quickly as possible.

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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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A frugal gift is measured first by it’s usefulness. Speaking from my own experience, I would say that my most appreciated gifts are those that I not only find useful, but that I would have had to purchase myself at some point. With that in mind, the frugal mind that is, the gift actually serves two practical purposes; It is useful and saves me money.

If you are a frugal gal, this task will be much easier for you. If great minds think alike, the same is true of frugal minds. Simply look within yourself. The frugal gal can get excited about the most ordinary items. For the rest of you, here’s a little help.

Although you may question some items on the list, remember, the frugal gal enjoys frugal things! She looks to get the best value for her money and this IS what makes her happy! It just makes sense that providing a practical frugal gift that may also save money, will make her happy. Isn’t that what great gifts should do? So here’s to happiness and the pursuit of the frugal lifestyle! Happy holidays, happy birthdays, happy Mother’s day, etc. etc. etc…

Frugal Gift Basket Ideas

Some of these unique gift baskets might seem odd or unusual to the average person. If you’re a frugal gal, you’ll completely understand. The rest of you will just have to trust me

THE LAUNDRY GIFT BASKET

For the frugal gal who holds onto things until they fall apart (or even after they fall apart).

This is the gal who has a laundry basket held together with duct tape, tied together with string or rope, or repaired several times with other various ingenuis methods. Probability is, she may not even have a laundry basket. I have several produce boxes (they are extremely strong, especially banana boxes) that make wonderful laundry carriers! And, they are free.

Fill a sturdy laundry basket with one or two boxes each:

*Arm and Hammer Washing Soda
*20 Mule Team Borax
*A few bars of Fels-Naptha Laundry Bar Soap

I say “sturdy” basket because it will inevitably be put to the test by a frugal gal! If your frugal gal doesn’t need a new laundry basket, you can give these gifts in an appropriate size traditional gift basket or just gift bag ‘em.

This is a great gift for anyone who doesn’t mind saving money. And, I don’t know anyone who minds! I would mix up one batch and put in a tightly sealed container. (You can make a decorative container yourself i.e. – a quart mason jar and some decorative fabric banded over the top. Tie with pretty ribbon.) Place with the laundry detergent ingredients to get them to try it and started down the right path. Include the following Laundry Detergent Recipe with the Laundry Basket Gift.

Powdered Laundry Detergent

*1 Cup Grated Fels Naptha Soap
*1/2 Cup Washing Soda
*1/2 Cup Borax
~ For light load, use 1 tablespoon. For heavy or heavily soiled load, use 2 tablespoons.

Options:
1. If budget allows, throw in some cloth napkins, utility towels, bath towels, hand towels, or washcloths.

2. Make a little book with a variety of laundry tips, tricks, and homemade recipes. This is great for a new bride.

THE CLEANING GIFT BASKET

The frugal gal makes her own cleaning solutions and is always looking for cleaning and organizing tips. The cleaning basket might include such items as, a couple of spray bottles, steel wool, a pumice stone, cream of tartar, vinegar, baking soda, gloves, scrub brushes, utility towels or cleaning rags, dusters, cloth diapers (make great cleaning rags), household cleaning and organizing tips book or recycling tips.

Top with a personalized cleaning shirt or apron or any other little cleaning gadgets you think your frugal gal might find handy. Throw in a coupon for a coffee break date, with you, at your home, her home, or a local coffee shop! Your treat of course.

THE KITCHEN GIFT BASKET

The kitchen basket contents is limited only to your imagination! This is a great gift for anyone who loves to cook. Frugal gals know the importance of saving through cooking. If you’re a frugal gal you can reflect on your own needs and frequent uses to spark some ideas. By the way, the “basket” doesn’t have to be a basket. Did that make sense? You’ll see what I mean. Here are a few suggestions:

1. Baker’s Basket: Fill a large mixing bowl or basket [she'll probably get more use out of the bowl ] with baking tools and/or supplies as much as will suit your budget. i.e. – Wire whisks of various sizes, wooden spoons, measuring spoons and cups, a sifter, cookie cutters, rubber spatulas (you know, those things you use to scrape every last bit of batter out of the bowl. My husband and I still argue about what these are called), a bag of bulk yeast, can of baking powder, various spices (nutmeg, cinnamon, allspice, cloves, etc.), vanilla extract, or anything else you know your frugal gal or cook will use or needs.

Top it all off with a personalized apron. Make or buy an apron and write the person’s name or a personal message, poem, or saying on it, using a fabric paint pen or paints. Other contents might include a cookbook, some of your own favorite recipes printed neatly on a recipe card or made into a mini cookbook, a recipe file, cookbook stand, well I could go on and on.

2. Cooks Basket: Fill a large stock pot or basket with a variety of cooking utensils or supplies. i.e. – Most of the above items could be considered as well as, ladles, cutlery, small strainer/s, tongs, special seasonings, cooking spices (Italian seasoning, cumin, onion powder, garlic, oregano, thyme, etc) and again, top it off with a pretty apron! Throw in a cookbook if your budget allows and/or toss in some homemade recipes for taco seasoning, chicken bake coating, stuffing, whatever you can find to replace higher priced store bought mixes. A good idea might be to actually make the mixes and give them already mixed in a tightly sealed container or jar along with the recipe. How to save money on groceries tips or book.

THE FOOD GIFT BASKET

1. Frugal Food Basket: Mix up some master baking mix, pancake mix, cookie mix, or muffin mix. Pick and choose or give them all in tightly sealed containers or jars and attach recipes for using and the mix recipe. Decorate accordingly of course. Specialty rice and rice mixes, bean mixes, bean and rice mixes, oatmeal and couscous. A pack of herb seeds or starter plants for indoor herb gardening. Top it off with an apron, or a gift card from your local grocery store.

2. Treat Gift Basket: Now this one is great to give the frugal gal food items that her budget, or frugal mind, just won’t allow. Even frugal gals have favorite gourmet items that they love but rarely treat themselves to. For instance, I love Macadamia nuts. But they are very expensive, making them cost prohibitive for my financial goals right now. If you don’t already know, ask a spouse or close relative what items the recipient enjoys. Fill a basket or other creative container with those foods and other various specialty foods, snacks, nuts, and/or cheeses. Remember to take into consideration any diet restrictions and select your contents accordingly.

3. Coffee or Tea Gift Basket: I’m a true coffee lover. But, as a frugal gal, I know that a common brand will get me through the day just as well as a gourmet brand. That doesn’t change the fact that I enjoy a good cup of gourmet or specialty coffee once in a while. But, with my current financial goals, the treat comes few and far between. The coffee basket will definitely be appreciate by the frugal gal who loves a good cup of joe! Pack that basket with several different brands of gourmet or specialty coffee or a lot of the one brand you know she loves. Include a permanent coffee filter to fit the brand of coffeemaker she uses to show you haven’t forgotten her practical side! You can easily adapt the contents to fit the tea lover instead. Top it off with a nice coffee cup.

THE GARDENER’S BASKET

The gardener’s basket is simple a collection of any supplies a home gardener might need; A garden knee pad, gardening tools, seeds, (starter plants if it’s the right time of year) Gardening books and tips. Starter pots. Containers for the container gardener. Gloves and a hat.

SEWING GIFT BASKET

Fill a basket or sewing box with a variety of sewing notions. Include some decorative fabric or a collection of scrap fabrics; Sewing patterns or instructions for home decorating sewing tasks or sewing level appropriate apparel patterns. In other words, keep it real. Not everyone is a seamstress but, most frugal gals can make a curtain or pillow cover given simple instructions. Your frugal gal might be a mender or a seamstress. Choose your gift basket contents accordingly. Include such novelties as velcro, snaps, hemming tape (or fusion tape), iron on patches, as these will be handy for most frugal gals.

Now don’t worry frugal gals, I’ve got your back! I wouldn’t want your friends and family to think you will be offended if they give you a non-frugal gift. So here’s my last thought…

Although the frugal gal will love and appreciate the practical, useful, gift like no one else can, she is indeed a woman. So, if the notion strikes, you may certainly reward her with a luxury gift. The frugal gal will enjoy a luxurious treat that she would not normally consider for herself. For example, a trip to the salon for a professional manicure, pedicure, or hair style.

If you know your frugal gal has had her eye on an outfit, or other item, that she’s convinced she doesn’t need but secretly admires and wants, of course (if your budget allows) Get It For Her! Odds are she won’t buy it for herself and she will surely be happy to receive it as a gift. She’ll get to have something she wants but doesn’t actually need, and still remain faithful to her lifestyle or financial commitments.

I hope these ideas help you create beautiful gifts for anyone in your life. Choosing a basket theme to suit the recipients interests or needs is always a winning gift. Personalized gifts are more appreciated and keep on giving. Each time the recipient uses the item/s they are reminded of the thoughtfulness of the giver.

Cheryl Johnson is a mother of four helping herself and others become, and remain, debt free. Publisher of http://www.SimpleDebtFreeLiving.com – A self-help plan, ideas, and resources for household budgeting, debt elimination, and frugal living. Find more low cost gifts and tips to save money.

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