Tag Archives: money

How to manage money.

Here are some ways to prevent money problems:

  1. Create and stick to a budget: Creating a budget can help you manage your money .
  2. Save for an emergencies. You never know when unexpected expenses.
  3. Think before you buy something that is not a necessity. Determine if you need it.
  4. Take a look at your expenses and cut out the ones that are not necessary or may be replaced with cheaper alternatives.
  5. Don’t spend more than you earn.
  6. Pay bills on time: Late fees add up and can make it difficult to catch up on payments.
  7. Don’t borrow more than you can afford.
  8. Start saving for retirement and other long-term goals as soon as possible.

Tips for being Frugal

General tips for being frugal.

1. Create a budget – It’s important to know how much money you have coming in and going out each month. Figure out how much you will need to cover your bills and other necessities.

2. When you need to make a purchase, take the time to do some research and compare prices. Look for sales, coupons, and discounts before making a purchase.

3. Look for ways to save on everyday expenses – Consider things like cutting down on eating out, reducing your energy bills, and borrowing from the library rather than buying new books.

4. Whenever possible, try not to take on new debt.

5. Focus on quality, not quantity – Sometimes it’s better to invest in quality items that will last longer.

6. Before making a purchase, ask yourself if you really need the item or if it’s just a want.

7. Use what you already have before buying something new, see if you already have something that will work for you.

Another Episode of Being Frugal

Get a smaller car. You can save thousands by going with a smaller car.

Rent rather than own. Don’t assume that buying is the better investment. Buying is  more costly than renting.

Next look for used items or clothing.Try freecycle.org or craigslist.org. I’ve done this a few times when I needed something.

Find free entertainment.  Entertainment costs a lot of money.The average person spends about $1,200 a year on entertainment.

Cut out the sweets.Even I struggle with that one. I love my chocolate. Too many sweets results in bad health and bad teeth and that costs money.

Drink water.Drink often. It’s good for your health.Eight glasses of water per day is all you need.

Cut out the cell phone. 20 years ago we didn’t have cell phones.A cell phone is not a necessity.

Cut your own hair. Yeah I know that one is kind of iffy. It’s cheap,it’s care-free. It saves money, and time.

Maintain stuff.Take care of what you have, it will last longer. You’ll then spend less on buying new stuff.

Thrifty DO It Yourself


Thrifty Do It Youself .

1.Painting a room is a great DIY project that can be done and doesn’t require much skill.

2. Install a Ceiling Fan:
with the right tools and instructions, you can install a ceiling fan in as little as a few hours.

3. Build a Deck: Have it done in 2 weekends.

4. Create a Garden: Creating a garden is a great way to get fresh air and save money on your grocery bill by planting flowers, vegetables and herbs.

5. Build a bookshelf

6. Replace kitchen cabinets.

7. Install a new fence.

You don’t need an expert or contractor to do these things. Just a instruction manual and the correct tools and material of course.

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Thrifty DO It Yourself
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Thrifty Living Tips.

Make a budget.

Shop for sales.

Avoid impulse purchases.

Cook at home.

Recycle as much as possible.

Cut back on utilities, water, gas, and electricity.

Cut back on memberships. If you have any subscriptions, get rid of them.

Use public transportation or carpool. It’s not that bad.

  Always plan ahead so you can rework your budget to fit it in a trip, concert.

Cut back on entertainment such as going out to dinner or a movie. You can do these at home.

Repurpose items like clothing, jars and containers.

Do your own repairs around the home or crafts.

Buy used items if possible.











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Thrifty Shopping

Thrifty Shopping

1. Always make a list before you go to a store. Make sure you follow the list and  stick to it. This will help you avoid impulse purchases.

2. Compare prices at different stores.

3. Using coupons can save you a lot of money.

4. Bulk buying can save you money in the long run, especially if you’re buying non-perishable items.

5. Buy generic brands. They’re  just as good as name brands, but cost much less.

6. Again comparison shop. Check the prices.

7. Secondhand stores are a great way to get a bargain. And also a flea market would be worth checking out.

8. Shop when they’re are sales events.

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Today and being Thrifty.

Life today and being thrifty.


Thrifty today means watching your spending and researching ways to save money. Only shop for items on sale, use coupons or even buy used items. There is even free or low-cost activities to do with friends and family, such as going to a park or the beach or watching a good movie at home. Use public transportation or carpooling. Turning off lights and unplug electronics when not in use.If you want to be thrifty you have to start making decisions that will help you save money and be more mindful of your spending.

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Blogging


So I started blogging for the first time. The goal is to one day make alittle money at it. I enjoy it. Alot of research goes into each topic. Then it’s a matter of putting it all together with my own thoughts and hopefully have it make sense. Blogging is a way to share thoughts and ideas with your audience. There are many many titles and ideas to work with.
Blogging is meant to inform, educate, entertain and Hopefully inspire someone .