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10 Frugal Living Goals You Should Be Making This Year


While everyone should be a frugal lifer, a lot of people struggle to do so. Life happens and you end up spending more money than you want to. You are busy and money just flies out the window. A good deal of living frugally is planning ahead and having goals. What do you want to accomplish financially? In what areas do you want to save money? How can you simplify your life to spend less money? Only you can answer those questions, but let me help you set some frugal living goals for the next year!

10 Frugal Living Goals You Should Be Making This Year

1. Learn new things to cook from scratch. You can save so much money on your grocery bill by cooking from scratch. Processed food and eating out is so expensive even with a good deal or a special. Learn to make things from scratch and you will also improve your own health as well.


2. Find new ways to save money. When you are a frugal lifer, this can be hard. You think you already know and have found all the ways to save money, but I can almost guarantee you that you can find more. It can be tough, but I am sure you already know of more ways to save money.


3. Have a no-spend week each month or a no-spend month twice a year. I think these are really healthy for a frugal living lifestyle because they force you to really think about if you need something or you just want it. You also are forced to eat what you have at home, be less wasteful, and make do with what you have.


4. Ask yourself if you really need to buy something. Do you really need it or do you have something that will do? How long can you wait before you buy it? Implement a 3, 7, or 14-day waiting period before buying something other than groceries and household necessities. Sometimes you can find something at home that works just as well or you will find out that you don't really need it.


5. Challenge yourself to buy all your clothes used. You can make exceptions like underwear and socks if you want to, but honestly, I have found those brand new, in package or store tags still on, at the thrift store too.


6. Limit your monetary pleasures. Are you eating out a lot more than once a week or once a month? Are you getting massages, manicures, or pedicures every month? Do you shop just to shop? Do you stop at the convenience store for a candy bar every day? We all have something that we waste money on in the name of treating ourselves. A little pleasure is always a good thing, but is there a way you can do that and not spend money?


7. Do you have an emergency fund? If not, you should start one. Everyone should have an emergency fund of at least $1000 to cover those kinds of expenses. If you have one already, what can you do to double it? Ideally, your emergency fund should be able to cover 3-6 months of your normal income in case you lose your job or get injured for some reason.


8. Are you out of debt? If you are, great! If not, what can you do this year to get out of debt or lessen the burden? Can you cut back on your expenses more to pay down your debt? Can you find other ways to make money to pay down your debt?


9. Organize your things and make an inventory of what you have. Seriously, so much money is wasted because we don't know what we have. We have food in the kitchen and in our pantries that go to waste. We have more things in our closets than we will ever use. We buy batteries because we can't find the package bought a month ago (for example). Take stock of what you have and organize your things.


10. Make a budget or review your budget. This can be the hardest things about being a frugal lifer. I really have trouble sticking to a budget because of unplanned expenses. After something upsets my budget, I lose hope and focus. However, this is the year I need to start. I want you to start your budget too if you don't have one. If you do have one, this is a great time to sit down and review your budget. Are there any increased expenses? Can you save more? Can you pay down more debt? Can you put more in retirement? Work on your budget today!


What frugal living goals do you have for this upcoming year?

Thanks for reading,
Erica

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