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Showing posts with the label frugal living

Now Is The Time To Slay The Debt Monster!

Unfortunately, debt has become highly encouraged in this country. You can borrow money for a home, a personal recreation vehicle, a vehicle, land and more. You can just put it on a credit card if you have the money for it now or want to wait to pay for it. For most people, credit and loans are easily accessible and can be had for a price.

This leads to problems. Nevermind all the stress that being in debt can cause a person, it is causing economic problems within our own country. Younger generations do not want to purchase homes because they don't want to be in debt. Some of them are in debt to their eyeballs because of student loans and a defunct college degree.

While this is happening to the younger adult generations, the middle/older generations are still paying for their homes, maybe still paying student loans, trying to put their own kids through college, and have a lot of other debt too. Many people think that being in debt and paying on a loan is just part of life.

This is cra…

Can You Really Live Without Money?

If there is something that the frugal tightwad and prepper in me love, it is stories about living without money. Stories, books, and videos about living without money keep me fascinated. I wonder how they do it. I wonder what they did in life that led to the decision to live without money. I also wonder what they did earlier in life that they could live without money now. I also wonder what circumstances brought about the decision to live without money.

Because...I don't think it is truly possible to live without money.

Call me a skeptic. Almost all people could not live without a little money. There are always rent and/or bills to pay no matter where you live. While you can grow a lot of food, you still need to go to the grocery store for a few essentials. Most things you need to function in a household need to be purchased or procured somehow.

Even those people who live with only the items they can carry had an initial purchase of the backpack and those items. Most items usually ha…

16 Ways To Not Waste Food (and Use Up The Leftovers)

One of the biggest problems facing the world today is food. Particularly how much food is wasted when there are so many people who would be happy to eat it. Grocery stores throw out perfectly good food every day and lock it into dumpsters. Restaurants scape tons of food into the trash every day because people do not finish their meals and don't wish to take it home.

In other words, food waste is a real problem! The problem isn't limited to just businesses. The problem also happens in the home more than we care to think about. We waste a lot of food in our homes without a thought to our hard earned money to purchase/grow the food and the hours we put into the food.

This really needs to stop! Fortunately, I have some things you can do to combat food waste in your home. Unfortunately, I have learned some of these things the hard way and have done my fair share of not caring as much as I should about our food. I don't want you to make the same mistakes!

16 Ways To Not Waste Food …

25 Crazy Simple and Easy Ways To Save Money

This is a new year and you need some money motivation. I totally get it. If Christmas didn't scare you into complete money saving mode, your daily finances might have. However, maybe you just need some new ideas or a reminder of some good old ones.

This has some easy ideas and some crazy simple ideas to save money. Some of these might seem like they are not so simple, but they really are. 

25 Crazy Simple and Easy Ways To Save Money

1. Simply don't spend it. We are always buying things we "think" we might need, but truly don't. If money is that tight, don't spend it. Start a spending freeze.

2. Have some change in your pocket? Throw it in a can or a piggy bank to save towards Christmas or a rainy day. You can do the same with your one and five dollar bills. Tuck them into a drawer or a box to save for a special day.

3. Look for the discounted produce at the grocery store or your favorite mass merchandiser. The produce is usually still good for another week or so. …

My 10 Favorite Frugal Living/Financial Books To Read and To Give

Finances are a hot topic any day. We are all looking for ways to save money and ways to better spend our money. With daily and monthly expenses threatening to overwhelm us, who wouldn't be interested in how to make our dollars go further?

Financial preparedness is just as important as emergency preparedness. We need to be ready for anything. Making a dollar go further, saving money, and getting out of debt should be at the top of our prepping lists.

So we all need good frugal living/financial books around to give us good tips and advice. I love to give these books as gifts when I can. Just like preparedness minded books, these books only serve to help people live a better life and be prepared for whatever hits them.

These books have all been read by me personally, either as a paper copy or on Kindle, and would be books I would read over and over again if I can.

My 10 Favorite Frugal Living/Financial Books to Read and to Give:

1. The Tightwad Gazette: Promoting Thrift as a Viable Altern…

Stay Home on Black Friday. Shop Small. Shop Local.

(Originally posted in 2013. Revised and expanded for 2018. The views of the author haven't changed!)

Black Friday shopping can be crazy. Stores opening at midnight if they even closed at all. Standing in line and getting a ticket to buy an item at significant savings. Most of the time people are buying things they don't really need. They are missing out on time with family and friends to go shopping. Employees are missing out on time with family and friends on a holiday to satisfy a corporation's greediness.

No, I don't agree with stores being open so early on Black Friday and even on Thanksgiving Day. It is a holiday after all!  Just because someone works retail doesn't mean they need to pay the price of missing out on sleep and time with loved ones. I don't agree with stores opening at ungodly hours to satisfy their bottom lines while offering deals that are supposedly irresistible to shoppers. I don't like the whole craziness of these shopping days and wha…

Is It Time For A Financial Reset? 15 Tips For You To Reset Your Finances

Sometimes you go through life like you own it. You have your priorities right, your life in order, and everything going well.

Then, wham! You get hit with a medical emergency. You lose your spouse. You get divorced or separated. You have to suddenly move. You are faced with bills you did not realize you owed and now are in collections.

Life happens. You can control a lot of what happens in your life, but there is a lot you cannot control. You always hope you have enough in savings and/or insurance to cover whatever can happen, but sometimes you just don't have enough.

So what do you do? You can do several things to scale back and correct your finances. Below are some tips to get your financial life back in order and do what you can to get back on your feet again. None of these are quick fixes. Some of these tips will look like they are from Dave Ramsey and they are. He is definitely worth listening to when it comes to finances!

15 Tips For You To Reset Your Finances

1. Start a spending…

55 Ways To Save Money on Your Utility and Water Bills

The single biggest expense most households have are their utility and water bills. Sometimes those two bills combined are more expensive than the mortgage. Sometimes those two bills are the same as the mortgage and monthly groceries. In other words, they are just expensive.

In the twenty plus years of paying for a utility bill and growing up in a house that was very conscious of its water and electrical use, I have learned some tips and tricks to drive down the costs of those bills. Some of these tips will not cost you a thing and will provide immediate results. Some results will not be immediately seen. For some of these tips, you will need to pay to save. You will need to purchase items will that will pay for themselves in the future.

I realize some towns/cities/companies have minimum usages for utilities and water. If you are above the minimum usages, you want to get down to those if you can. You can also call and try to negotiate the minimum usage amount, but most places do not allo…

Small Batch Canning: Saving Time, Money, and Sanity!

Wouldn't it be wonderful if you had time during the garden harvest to can all day, every day? When you see super awesome deals on produce at the store, you could purchase them and can them right away when you get home?

You don't have that kind of time? Me neither.

A lot of people ask how I get so much canning done when I am busy with a full-time job and kids. I have a good sized garden and we like to eat fresh produce from it. However, I plant tomatoes and cucumbers with the sole purpose of canning them. I like to take the extra garden bounty and preserve it so we aren't wasting food. However, I don't have time for marathon canning sessions. Even on the weekends, I have plenty of other things on my to-do list besides canning.

I practice the time-saving practice of small batch canning. If I can preserve something every day or night, I can get a lot of canning done. I can keep up with my garden better by small batch canning.  I am not waiting for a lot of tomatoes to be don…