Tag Archives: saving

Frugal Living.


Living Frugal.
So . . . you’ve decided to give the frugal life a try, and now you’re wondering what you’ve committed to. Does frugal living mean dooming yourself to a life of deprivation, just so you can save a few cents here and there? Not at all. Frugal living isn’t about sacrifice and deprivation; it’s about living smarter, so that you can afford to live the life that you want to live – the life that you dream of living. Ready to find out what the frugal life really involves? Read on, and find out.
Frugal living means smarter money management.
When you know how much money you have in the bank and how much money you need to cover your monthly bills, you can begin to make better decisions about how your money is spent. Can you afford to splurge on a new pair of shoes? Is this the right time to buy a new car? Put a budget together, and you’ll know just what you can afford, and more importantly, what you can’t afford. You’ll also know where you stand with your debt repayment, savings goals, and investments—a key step to taking charge of your money and making it work for you.
Frugal living means smarter spending.
It’s taking the money that you have and s-t-r-e-t-c-h-i-n-g it as far as it will go. It’s learning how to get the best deal on everything that you buy—shopping thrift stores, yard sales, clearance racks and barter boards until you find what you want at a price that you can afford; using coupons and rebates in combination with sales to get the price on groceries; and perhaps even stockpiling items when you find them at an unbeatable price. It’s also knowing when not to shop – holding off on a purchase that doesn’t fit into your budget, and patiently waiting for a sale to bring an item down to your price. When you adopt the habits of a frugal shopper, you are in full control of your spending.
Frugal living means harnessing your creativity.
It’s about finding ways to make due with what you have, and learning how to do more for yourself. Do you pay someone to change your oil, or do it yourself? Sew a patch on a pair of holey jeans, or buy a new pair? Purchase trash bags, or reuse your plastic grocery bags?
Every day presents new opportunities to reuse, repurpose and create, and it’s the frugal person who recognizes those opportunities, seizes them and turns them into savings.
Why Live Frugally?
Okay, so frugal living is about better money management, bargain shopping and creativity, but what does all of that add up to? Can these three things really result in a better life? Absolutely. Frugal living unlocks a world of possibilities. Want to pay off all of your debts? Fund your child’s education? Enjoy the security of a fat bank account? Travel the world? You can make it happen.
Frugal living is about determining what you want out of your life, and finding a way to make it happen. A couple dollars saved here, and a few dollars invested there doesn’t translate into a life of deprivation; it translates into possibilities. Decide what you want to get out of life, and then use frugality to make it happen

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Make Your Own Dishsoap for 10 Cents a Bottle.


I decided to try this homemade dish soap and I’m hooked especially that it only costs 10 cents a bottle.You will not get alot of suds,but your dishes will be squeaky clean.Pour 2 cups of water into a saucepan on medium heat,add 1/4 cup of soap flakes or soap shavings.I just use the stuff in the laundry isle at the dollar store.Stir and keep on stove until the soap is melted.Do not let it boil.Let it cool for a bit then add 1-2 tablespoons of white distilled vinegar or lemon juice.I used vinegar it cuts grease better.Then stir in 1 teaspoon of salt and stir well.Then dump into an empty dishsoap bottle.You can make more than 1 bottle at a time if you like,just double or triple the recipe.This can add up to quite a bit of savings in a year.Try it and come back and tell me how it worked for you.

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Couponing.


Image Heres my Wal-Mart and Zellers shopping deals today.Only 7 resolve stain removers are shown,but I bought 16 of them,my husband was tired of carrying everything in.I can’t say I blame him,we have so many things on the go, and looking after 5 kid’s can keep you hopping! Anyway there is a coupon on various coupon boards in the stores for 2.00 off resolve, and it is on sale at Zellers, two for 4.00 so it’s free.I bought 15 glade air freshners at 1.00 a piece, and in your coupon insert in the paper if you buy 15.00 dollars worth of glade products you get 10.00 off.My total was 11.00.If you want to learn about couponing in Canada go to www.mrsjanuary.com,or Simplyfrugal helping you save money in Canada they have everything you will need to get started saving money with coupons!

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Wal-Mart Deals.


Image                                    I had a coupon for two dollars off any two dove products found on the coupon board at superstore.I also had two coupons for a dollar off any always products.I bought 18 trial size shampoos and conditioners of dove they were 50 cents each since it is a competitor coupon they don’t pay overage.I also found two always sample packs for one dollar each.I bought a pack of excel gum the total was 1.21.If you want to learn about couponing in Canada go to www.mrsjanuary.com.

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Walmart Deal.


Image                                   I had two coupons for five dollars each if you buy two natural instinct products,they were reduced to a dollar a box so they paid me overage of five fifty eight.Wal-mart is the only one who pays overage.If you want to learn about couponing go too www.mrsjanuary.com.This is for couponing in Canada,she will teach you everything you need to know about couponing.

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Saving Money when you Shop.


ImageThe first thing I do now is look at the fliers for the week and plan my menu around the sales. I give myself one hour a week to do this. No need to make it complicated by spending hours at it. Also I have started a stock pile. Only buy items on sale and that you use. Don’t buy just because there is a sale. You should put money away for sale items.

Make your grocery list simple, remember every minute in the store is more money you are likely to spend. Get in,stick to your list, and get out. Also check for any coupons available for anything you plan on buying. If possible always buy generic brands. The only difference is the price usually.

Always remember the cheaper stuff is not at eye level so look at the bottoms of the shelves there is always a cheaper one. Shop where you can price match to get all the sales in one place. Always keep your pantry organized so you know what you already have. Take advantage of store reward cards, they add up and you can end up saving even more money.

When cooking a meal double or triple the recipe and freeze them. This can help you avoid take out food when you have had a long day and don’t feel like preparing a meal, you can just heat it up. Try to cook from scratch if you can this will save you a lot in the long run. Make your coffee at home and invest in a good thermos to take with you.

When going out take your own bottled water. Just refill them from your tap and keep them in the fridge. Same with pop, buy 2 liters and fill smaller bottles up to take with you. Keep snack bags in the fridge or pantry filled with fruit, cut up veggies, cheese, crackers, and dry cereal in baggies and take with you when going out, especially if you have kids. This will keep you from buying junk food.

Before making any new purchases try using things you already have, or can find in recycling boxes. I do not buy magazines anymore, there is always lots in recycling boxes. Also plant pots are plentiful. So are books, and all kinds of things. Share newspaper subscriptions with neighbors and split the cost. Only pay cash for your items, forget the debit card, this will also save bank fees. Use less of what you can like dish soap, shampoo, hydro, etc..

Find ways of using what you have and use less of it. Always spend less then you make and always save no matter how little it is. I started a change jar where all the spare change goes and roll it every 6 months and put into my savings. It adds up quite fast and I didn’t even miss it. Always ask how can I get this cheaper? How can I make it last longer? Or how can we do without this certain item?

Remember most things can be negotiated, it’s always worth a try. Shop yard sales all year and sometimes you can find new items you can put away as gifts. Also try second hand stores. Avoid new and always try to buy second hand. Do research before buying certain items to get the best price on an item. Buy gifts year round when they’re on sale. Take advantage of mail in rebates, they are a great way to get free items. Also grow what you can. We do tomatoes, potatoes, and pumpkins. Also I read a lot, so I make use of the library and sales where books are a quarter. There are so many ways to save money, just be creative.

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