Saving & Simplicity

Smart Money, Simple Living

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Frugal Habits To Live By

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You weren't taught this in school. Learn about saving money and living frugally. Learn how to lower your expenses. Frugal habits you can use right now.

Growing up you learn manners and more. 

You learned to treat others as you would be treated.  You learn about life through the people you interact with. It does take a village to raise a child.

In school you learn about math, reading and writing. 

You may also learn cooking, sewing, drama, choir, science, socials and law. But did you learn about budgeting?  Did you learn about money besides the adding and subtracting?

Did you learn about planning for your future?

In life you learn about earning money, saving money and debt. 

In the big wide world you learn about all the opportunities to earn money. You could work the 9-5 or you could work from home.

Saving money is easy – right?  You just put the money in the bank and save it. Or do you have to work to save money?

It all depends on which angle you look at it. You can save money by putting in the bank.  You can save money by putting it in a jar.

You can also save money by being smart with your finances. But in the current economy of “I want it now” debt instead of savings is more prevalent.

Being smart with your finances.

Whether you are young, old, married or single you need to be smart with your money and avoid the debt cycle.  Saving money and being smart with your finances is important.

Don’t rely on the thinking that the big paid day will come. Don’t rely on the idea that retirement by government paycheck will be a breeze. You have the power to make your money work for you.

Yes, you read that right.  Be smart with your finances and make your money work for you.

Do you know where your money is?

How to make your money work harder.

You worked for it.  You earned it.  It is hard earned money. Now make it work for you.  Don’t settle for the regular price.  Save some money and look for the items you need on sale.

Save up your money for that big ticket item. Don’t use the credit card. In today’s “need it now” economy paying with plastic is almost common place.

I went shopping yesterday and in 4 out of 5 stores the cashier grabbed the visa machine even before my wallet was out of my purse.   The looks I got when I paid cash was surprising.

To me paying with cash has become second nature and common place.  I know where my money is going and I know how hard it is working.

Frugal Habits.

If you are just getting on your financial feet or maybe you are a seasoned financial expert. Learning to live more frugally helps make your money work harder.

Being frugal isn’t being cheap it is being wise with your money. Frugal living is learning to live well on less so you can provide a better future for yourself and your family.

Frugal living is making smart choices and skipping the extras.  It is bringing life or a few things back to simple and waiting for the right time to buy.

10 Frugal habits to live by:

  1. Save the money before you buy
  2. Learn how to shop for groceries and budget
  3. Use it, mend it, recycle it
  4. Skip the drive thru and savor homemade
  5. Quit trying to keep up
  6. A penny saved is penny earned
  7. Invest wisely
  8. You don’t need everything right now
  9. A little hard work never hurt anyone
  10. Communication is important

Financial, frugal habits to live by.

If you want to save money.  If you want to live more frugally.  If you want to assure your financial future you need to take count of these habits.

Millionaires, retirees, people who are living comfortably don’t live to keep up.  They don’t flash wads of cash and go on expensive vacations.

Most millionaires are average.  They drive older cars, save up money before they buy.  They are comfortable, they work hard and invest wisely.

Believe it or not people who can retire well and live well know how to budget.  They know the value of a dollar.

Communication is important.

Communication in any relationship is important. Communicating about finances is super important. Talk to your partner about money.  Talk to your parents and your children about money. Talking about finances and money in many cases has become taboo.

Does your wife or husband know the balance of the checking account or how much you owe?  Talk about it, create a solution.  Decrease your stress, work together to get your finances in order.

Start to live more frugally and you will notice a difference in your money.

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Have an amazing day,

Cynthia
Saving & Simplicity