Frugal living should be simple. Right? Why then do we always insist on complicating things? Too often I think we do it to appear clever or to make it seem like some sort of weird initiation rite. Like you have to earn the right to call yourself and your lifestyle “frugal”. Not to mention the …
Looking for ways to spend less money? Me, too! Sometimes, even your best researched plans can go awry, meaning more dollars in the expenses column and less in the revenue column. You could look at finding new ways of generating extra income but sometimes that’s just not an option. That means finding some quick and easy ways …
Your debt relief plan A debt relief plan sounds simple, doesn’t it? And, from a practical point of view, it is. Those steps are outlined here for you to follow and create your own plan. What’s not so simple is maintaining your focus and motivation. Take a look at this post for some techniques to …
The Massive Money Saving Checklist! How would you like to save thousands of dollars over the course of a year… Without feeling like you’re living a life of constant denial? You would? Well, read on! This list includes 200 money saving hints and tips you can use to save thousands of dollars over the course of …
When money is tight, you need to be honest with yourself and then you need to get really creative. Obviously, finding ways to increase your income are important, too but sometimes it’s just not possible to commit any extra time or energy to earning more money. If that’s you, then, these simple tips might help …
We’re all creatures of habit. Sometimes our financial habits support us, sometimes they don’t. You can be sure of one thing though, at some point in your life, these habits, both good and bad began as a conscious choice. There’s no need to continue to be a slave to your bad habits. You can change. And, if …
According to a survey* by the National Australia Bank, one in five Aussies live pay cheque to pay cheque. In essence, that means 20% of those surveyed are one pay cheque away from financial disaster. With growing unemployment, diminishing business confidence and whispers of a rise in interest rates in Australia, these statistics ought to …
A spending freeze is an excellent way to check for leaks in your budget. No matter how vigilant you are, spending leaks happen. The coffee on the way to work that was an occasional treat (or first aid) and is now a habit. Ordering dinner in on Friday night, because, well… It’s Friday night. The …
It’s spring time here so it’s the perfect time to shop from the pantry and not just to spring clean it but save money, too. I’m a big believer in maintaining a well stocked pantry. Keeping plenty of supplies on hand enables you to better manage your grocery budget by buying when products are on …
What is a simple life? Is a cabin in the woods (like Thoreau in Walden) necessary for you to live simply? Do you need to turn your back on all modern conveniences, worse yet, technology? Luckily, there are no hard and fast rules dictating what defines a simple life. Each of us comes to a …
Getting fit and staying fit can be a challenge for your willpower. But getting fit and staying fit on a budget takes imagination as well as willpower. As I talked about in a previous post, health and fitness has suddenly jumped to the top of my priority list. Finding ways of getting fit and …
Saving money doesn’t have to be a painful process. All you need to do is be mindful of where your money is going and then make small changes on a consistent basis. Before you know it, your bank account will be growing and you’ll be developing new habits and a painlessly frugal lifestyle. Then, you’ll start actively …