A Frugalista’s 12 Rules for Living With Less Money

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A Frugalistas 12 Rules for Living With Less Money | via www.backdoorsurvival.com

A Frugalistas 12 Rules for Living With Less Money | via www.backdoorsurvival.comMoney matters. As much as I would like to say that it doesn’t, it does. Let’s face it. Money is required to buy food, put clothes on your back, pay your rent, mortgage and utilities, and to pay taxes. And, even though you may have hobbies that don’t cost a dime, you still need money for those little extras in life such as a computer, your Netflix subscription and yes, a meal out or a vacation every once in a while.

This blog is all about lifestyle and choices. Here at Backdoor Survival, we have touched upon family preparedness, food and water storage, cruise ship travel, cooking and myriad of other things. Oh yeah – there is the occasion rant or essay on the economy.too.  After all, we all need to get the angst off our chests once in a while.

But back to money matters. Today I offer up a dozen old fashioned tips for conserving your hard earned cash so that you have a little extra left over for those lifestyle treats that we all need every once in a while.

12 Frugalista Tips for Conserving Cash

1.  If you got it, use it

Think about it. Over the years you have accumulated lots of stuff. Some of it may be a bit shop worn and out of style, but the stuff is still serviceable. If it still works, use it. Don’t give in to the bombardment of ads encouraging you to go out and purchase the latest model or the next best thing.  If money is burning a hole in your pocket, use it for something you truly need – not want.

2.  Shop for a bargain and get it cheaper

Research all of your major purchases and some of the minor ones, too. Check out online reviews and the recommendations of friends so that you can be an informed consumer. Ask the clerks at the store when the item of interest will go on sale. Believe it or not, you will sometimes be offered a discount on the spot. This just happened to us when we purchased a new freezer.

3.  Used can be just as good as new

Sometimes it makes good sense to buy used. Furniture can be purchased for a song on Craigslist or at garage sales and heck, you can often get some pretty good stuff for free. Another area where you can save really big bucks is on clothing. Ebay is a gold mine for name brand clothing that is often new. Evening gowns, tuxedos, wedding wear and other dress-up items are especially cheap on eBay. On the other hand, be wary of used electronics since there is no substitute for hands on testing prior your purchase.

4.  Learn to cook

Restaurant meals can be a rat hole for cash.  So is your local, specialty coffee shop. That is not to say that you should avoid eating and drinking out completely, but make those occasions a special treat rather than something you do because you are too tired or too lazy took cook.

Can’t cook? Get yourself a basic cookbook and call a friend over to help get you started. Once you start eating home cooked food, you will be hooked on how delicious those vegetables and salads taste. Oh, and don’t forget about cakes and cookies. Homemade is always better than store bought.  Remember grandma’s fresh baked chocolate chip cookies?

5.  Become a fix-it guru

Before sending that broken appliance to the garbage heap and replacing it with something new, try to fix it yourself. There are many web sites (www.fixya.com, www.instructables.com) that offer lots of how-to’s for fixing everything from your laser printer to your espresso machine. In addition, you can find service manuals for many products on line at the manufacturer’s web site. And lastly, try calling the customer service number. Many times the company will guide you through troubleshooting steps or even send you free parts. I have found that this works especially well with plumbing issues.

6.  Move fashion to the bottom of the list

Choose function over fashion. This is difficult, I know. But think about the item you intend to purchase and how it is going to be used. A fancy, Kitchen Aid Stand Mixer may look great on your counter – gorgeous actually – but if you only cook the basics and don’t bake, a $15 hand mixer may be all that you need. This same concept applies to lots of things: clothing, TVs, jewelry, you name it.  Yes, this even applies to cars.

7.  Do it yourself

Mow your own lawn, clean your own house, give yourself a manicure, wash your own dog. Now if you truly hate to do something, don’t do it if you can afford to hire it out.  Or better yet, trade a chore you detest with a chore that someone else dislikes.  You both get the job done without spending a dime.

Life is too short to be miserable. But for the most part, with a bit of time management, there are lots of things you can do yourself with just bit of effort. Paying for services you can do yourself is a great way to save a lot of money.

8.  Take advantage of freebies

Use public beaches, parks and trail systems for recreational activities. Use your public library. Go online and download geographically specific recreational guides and even preparedness manuals from your state and county web sites. None of these are technically free because your taxes have paid for them, but they are free in the sense you have no additional out of pocket costs.

Speaking of libraries, have you checked yours out lately? Most libraries now have a robust collection of eBooks, audio books, audio book players, music CDs, DVDs and more. If you don’t have a library with downloadable materials, they are many that will let you purchase an annual out-of-area card for as little as $15 per year. For more information, see Learn to Love Free Audiobooks.

9.  Get out of debt

This is obvious. Sure, you may have a mortgage payment and possibly a car payment.  But credit card debt?  I hope not but if you are saddled with credit card debt, come up with a one or two year plan to pay them off then toss them in a drawer, never to see daylight again unless there is a dire emergency.  The old mantra “use your credit card . . .it is the same as cash” simply does not work any more.  It never did.

Go back over the tips listed above.  Use what you have.  Fix it if it is broken.  Choose function over fashion.  Now put that credit card back in your wallet!  Better yet, hide it in the back of your dresser drawer.

10. Build an emergency cash fund

Stuff happens.  Your car has a mechanical breakdown and there is no other way to get to work or to town so you have to have it fixed.  Wouldn’t it be nice to have a cookie jar full of bills so you can pay for the repairs?  In the old days, this was called a rainy day fund.  These days, it is called an emergency fund.

Much like prepping, this is one thing you can do using baby steps.  How about one meal a week of beans, rice, and a nice chunk of healthy bread (that you have made yourself).  This type of meal is extremely economical and you can dole the savings into your emergency fund.  You will be surprised at how quickly $5 dollars a week adds up.

Of equal importance to the modest amount you are saving, is the fact that you are building a lifetime habit – one that will serve  you well for many years to come and hopefully one that you will pass on to your children.

11.  Save for the special things in life

Now we get to the nitty gritty.  Reward yourself for being a smart frugalista.  Come up with an occasional treat.  Perhaps it is dinner out and movie.  Or perhaps it is a weekend away at the ocean.  For some, the special treat may be something a simple as a bouquet of flowers.  Life would be very boring if you did not reach out and do something extraordinary once in awhile.  Go ahead.  You have earned it.

12.  Frugal is not a dirty word

Frugal is not cheap.  And frugal is definitely not chintzy,  Quite the contrary.  Being frugal means that you have made a lifestyle choice to spend your money on the things you need, no more, no less.  And with the extra, you have chosen to splurge and celebrate your thrifty and sustainable habits by doing something special and joyful.

And at the end of the day, isn’t that what matters?

Enjoy your next adventure through common sense and thoughtful preparation!

Gaye

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Comments

A Frugalista’s 12 Rules for Living With Less Money — 5 Comments

  1. Those are all good ideas. Looking them over, we are pretty much in compliance with those suggestions here on the mountain. We are fortunate in that living in a rural area, there is no pressure on “style” or “get the newest car, gadget, etc.”

    • I, too, find it much easier to avoid the marketing hype here on our island where there are no department stores or mass merchandisers with their enticing ads. When I get the urge to shop, I window shop online. I toss a lot of things into my virtual shopping cart but only complete a fraction of the sales. This seems to satisfy the urge – or perhaps it is curiosity – to seek out new and better stuff. Actually, I am truly fond of my old, well used stuff and am sorry we gave so much away when we moved from the city.

      — Gaye

  2. Once again, SurvivalWoman, excellent advice.

    The best part is that these changes don’t have to be major disruptions to your life. A few simple changes made to your lifestyle can result in significant savings that can be put toward reducing debt, collecting supplies, or acquiring new skills.

    Over on our site, Laura gave some ideas a while back for “Finding Money.” By simply recording what you spend every month, you can uncover areas where you could easily trim back.

    Thanks again for the posts, SurvivalWoman. Always a great read.

    Joe

  3. There was a time, not so long ago, when I would simply “contract out” work around the house that I was perfectly capable of doing myself. It wasn’t that I was lazy; too busy would probably be the best words to describe why I opted for that route. These days, especially with the uncertainty of the economy and the future, I make myself take the time to do those things which I’m capable of. I have also learned that the internet can be a plethora of useful information whenever it comes down to me not knowing how to fix or repair something. Not always, but usually, I can find a guide that walks me, step-by-step, through the process. I’ll still call the contractor for jobs I’m simply incapable of doing; but for the most part, I save a boatload of money by doing it myself.

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