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It is Never Too Late to Embrace Personal Austerity

Avatar for Gaye Levy Gaye Levy  |  Updated: November 24, 2020
It is Never Too Late to Embrace Personal Austerity

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Whenever my travels take me to the Seattle area, I am amazed at the extent of conspicuous consumption. The fancy cars, the filled-to-the-brim shopping bags, and the crammed-to-the-gills restaurants are always a surprise.  Perhaps I have lived in a rural community too long but when whenever I see this, my first thought turns to wonder whether these city folks have a clue about living simply and being prepared.

Do they have a rainy day fund?  Do they have stored food?  Do they have skills to survive without a job or a government hand-out if the worse were to happen?

Embrace Austerity

It has been a long time since I have written about financial preparedness so I thought today would be a good time to revisit this all-important topic.  One of the better preparedness authors out there is my blogging colleague, Daisy Luther.  You may also know her as the Organic Prepper.

Daisy often echoes my own sentiments when it comes to living a self-sufficient and self-reliant life.  Today I share her thoughts on personal austerity along with 12 ways to cut expenses.  This is her story, based upon personal experience.  She has and is walking the walk.

Personal Austerity: 12 Ways to Radically Cut Your Expenses

How often do you hear people talk about how they would live their dreams if they only had a bit more money?  People always dream about moving to a remote area or about staying home with the kids or about relocating to the bug out location, but often feel that these things are financially unreachable. Do you do this yourself?

If so, then maybe it’s time to take a good hard look at your personal finances and enact a personal austerity plan.  Most people would be surprised at the changes that can be made when they rethink the definition of the word “necessities”.


[aw-steer] adjective

1. severe in manner or appearance; uncompromising; strict; forbidding.
2. rigorously self-disciplined and severely moral; ascetic; abstinent
3.  grave; sober; solemn; serious.
4. without excess, luxury, or ease; limited; severe.
5. severely simple; without ornament; lacking softness; hard

With the gloomy economic forecast, it’s not reasonable or rational to expect things to improve in the near future.  If you want to be somewhat immune to the financial difficulties coming down the pipe, you need  to perform a financial makeover to pare down the monthly output to the bare minimum.

Does this sound kind of grim?  It’s not – decreasing your monthly output provides a different kind of safety net.  You can end (or at least reduce) your slavery to the system, where the government helps itself to at least 30% of your paycheck through payroll deductions.  With your newfound freedom, you may discover that you have the money to start a business, relocate, or cut back your work hours to spend more time doing the important things in life.

Devastating financial changes are coming to a location near you.  Wouldn’t you prefer to make the cuts now and adjust accordingly, instead of having them forced upon you through evictions, foreclosures, repossessions, and other painful methods?

Redefining necessities

If your finances are out of control, the best possible reality check is a stark look at what necessities really are.  It is not necessary to life to have an iPhone, a vehicle in both stalls of your two-car garage, or for your children to all have separate bedrooms.  People in Southern and Eastern Europe right now will tell you, as they scramble for food, basic over the counter medications like aspirin, and shelter, that necessities are those things essential to life:

  • Water
  • Food (and the ability to cook it)
  • Medicine and medical supplies
  • Basic hygiene supplies
  • Shelter (including sanitation, lights, heat)
  • Simple tools
  • Seeds
  • Defense Items

Absolutely everything above those basic necessities is a luxury.   So, by this definition, what luxuries do you have?

Some are more important than others, based on your lifestyle, and might be considered secondary necessities.   You might require transportation, work clothing, a computer and an internet connection, electrical appliances, a cell phone – you are the only person who can define which are these are luxuries and which are secondary necessities.  It’s essential to be truly honest with yourself and separate “wants” and “I really enjoy having this” and “the kids will complain without it” from “needs”

For example, I am a freelance writer who lives in a remote area.  Without an internet connection and a laptop, I have no work.  For me to make a living, therefore, my computer and monthly internet bill are a necessity.  However, because I work from home, a fashionable work wardrobe is not important to me.  I can wear jeans and a t-shirt to work every single day, and it won’t affect my career at all.  If you have to go out to a job in customer service, for example, then perhaps a computer and internet connection would be less important than a good-looking career wardrobe.

My Personal Austerity Plan

A couple of years ago, I began to see the writing on the wall for my own personal finances. I’m a single mom and my former husband is deceased, so there is no child support coming in.  So as far as raising these children goes, I’m the only game in town.  I realized that the industry I had been working in for many years was very shaky (automotive) and that I’d better get my financial house in order.

I began to cut expenses as quickly as possible.  I was making a very good income and our lifestyle had “improved” with each pay raise and promotion.  Although these changes were not incredibly popular with the kiddos, I made them ruthlessly.  I made the following adjustments:

  • Moved from a 4 bedroom home to a small 2 bedroom
  • Cut cable and home phone
  • Began providing a limited budget to the kids for school clothes, winter coats, and holiday gifts. If something “better” was wanted, the difference had to be earned
  • Made the kids do extra chores for privileges like field trips, vacations, and houseguests
  • Began cooking entirely from scratch and limiting meals out to birthdays or long trips
  • Got rid of the current model year car and got an older, more affordable vehicle
  • Began gardening, preserving bulk foods, and shopping through mail order sources

These efforts paid off within a few months, because my prediction was right – I got downsized.  Had my expenses been at their former level, we would have struggled to keep the electricity on and food in the cupboards.

When I lost my job, I began looking for ways to make money from home.  I was fortunate and picked up some freelance jobs pretty shortly, but I realized that I couldn’t make ends meet with what I was making, at least not in my then-current location.

So, I began a search for a less expensive place to live.  The beauty of what I do for a living is that I can live anywhere – I only require a reliable connection to the internet.   Within a few months, we’d located a very distant, very remote little cabin in the North Woods.

Get a Picture of Where you Are, Right Now

I realize that the changes I made are not changes that will work for everybody.  I’m not suggesting the changes are a whole lot of fun either.  Adjusting your own situation requires a brutal analysis of your expenditures.  If you can’t get your partner or spouse on board, it’s all but impossible to do a complete overhaul.  Kids, however, have to deal with it – expect loud complaints but be firm.

Print off your bank account statements for the past 2 months.  On a piece of paper, track where your money is going.  List the following:

Car payments
Vehicle operating expenses (fuel, repairs)
Credit card and other debt payments
Telephone/Cell phone
Extracurricular activities for the kids
Extracurricular activities for the adults
Dining out
School expenses
Recreational spending
Miscellaneous (anything that doesn’t fall into the above categories gets it’s own category or goes here)

  If you spent it, then it’s realistic.  You are averaging together two months, which should account for those less common expenses.  Brutal honesty isn’t fun, but it’s vital for this exercise.

So….what do you see when you look at your piece of paper with your average monthly expenditures for the past two months?  Are there any surprises?  Did you actually realize how much you’ve been spending?

It can’t continue like this.  The economy will not withstand it.  Step one is to see where you can cut things out right now from the above expenditures.  Can you reduce your grocery bill?  Slash meals out?  Budget more carefully for gift-giving and school clothes?

Design Your Own Personal Austerity Plan

Step two – this is where the brutal cuts come in.  What can you change about your life?  Where can you reduce expenditures by several hundred dollars monthly?  This is the point at which most people say, “I can’t.”  Most people don’t want to move to a smaller house, get an old car, or go without premium cable.  But this is where you can truly dig in and change your life.

As I said before, everyone’s situation is different.  You may be locked into a mortgage on a huge house in a market that won’t even cover the balance of what you owe.  It could be the same with your vehicle.

Explore all of your options, though, because paying a few thousand dollars to get out from under it could be worthwhile.  Some people could have reached the point where they must begin to default on payments.  That too, is a personal choice. I’m not recommending that you blow off your obligations.  (However, do consider the fact that large banks get bailed out by the government, and everyday people do not.)  Before making decisions like that, be sure to discover all of the potential ramifications, such as repossessions, garnishing of bank accounts, and ruined credit.

Here are some cuts to consider:

Move to a smaller house.  Contrary to popular belief, no child ever died because he or she had to share a room with a sibling.

Relocate to a small town.  Is it worthwhile to commute to a job in the city from a smaller, less expensive location? This can give you the added opportunity of homesteading and providing for many of your own needs.  Click HERE to read about what you need to know before making such a move.

Get rid of your late model year vehicle.  Look for a decent used vehicle that you can purchase with cash.

Cut back to one vehicle or even no vehicles.  Sometimes public transit and your own two feet can provide all of the transportation you really need at a fraction of the price of owning a vehicle.  This varies by location.

Stop using credit cards.  This goes for any type of lending system that requires you to pay interest.  Stop accumulating debt.

Don’t eat out.  Limit meals out to no more than once a month or special occasions.  Even better, don’t eat out at all.  Dining out, even at a fast food place, is at minimum 4 times more expensive than the same meal prepared from scratch at home. (And far less healthy!)

Look for free or low cost entertainment.  Consider a family YMCA or community center membership instead of gymnastics clubs or private tennis lessons if you need to enroll your kids in some activities. Go hiking, have picnics, explore parks, go to the library, and find out what’s offered for free in your home town. Learn to enjoy productive hobbies like canning, carving and needlework. Switch from cable to Netflix.

Use the envelope method to budget for shopping trips.  For back-to-school shopping or Christmas shopping, decide how much you want to spend.  Put that money in an envelope.  As you shop, place each receipt in the envelope.  When the money is gone, it’s gone.  If there’s something else your child desperately wants, then they need to decide what item they’d like to take back to get it.  Be firm and stick to your guns.  This has the added benefit of teaching your children to budget.

Reduce your monthly payments by cutting things like cable, cell phones, home phones, and/or gym memberships.  Look at every single monthly payment that comes out of your bank account and slash relentlessly.

Shop using the stockpile method.  Shop only the sales and simply replenish your stockpile.

Eat leftovers.  Have you ever stopped to think about how much food you throw out every month?  You can often provide a few “freebies” every month by carefully repurposing your leftovers.

Stay home.  By spending more time at home, you will spend less money.  You won’t be grabbing a bottle of water, going through drive-thru for lunch or putting fuel in the car.  Learn to treasure you time at home with loved ones – it’s worth more than money.

This is not a comprehensive list – when you look at your personal expenditures,  other ideas will present themselves.

Why Now?

Why is it so important to make these changes?

Because if you don’t change your way of life, the government will.  A job loss will.  Inflation will.

When cuts are made, the Powers That Be make sure to devise it so that those cuts affect the average person – the voters.  They can make it hurt, then swoop in and “rescue” us, by further enslaving us.

You want medical care?  Get this handy microchip inserted in your arm. 

You want food for your kids?  Turn in your guns.

You want the electricity turned back on in your home?  Sign on this dotted line – it’s only your freedom.

These upcoming cuts won’t hurt the ones who are making the cuts.  Congress members will still get large salaries and raises.  The First Lady will still spend millions of taxpayer dollars on vacations that would make Marie Antoinette blush.  The White House will still serve gourmet meals while Americans are digging through the garbage to stave off hunger. The budgetary decisions are scare tactics, bread and circuses, all designed to distract people from the collusion going on between the UN, the global elite, the bankers, and the governments.

Realistically speaking, the way things are going, none of us is likely to get a hefty raise.  We’ll be lucky to keep the incomes we have.  But expenses are only going to go up.  To keep the true necessities within reach, we need to reduce our expenditures and put away emergency funds and stockpiles.

Personal bank accounts are being plundered across Europe.  People are not just living paycheck to paycheck – there ARE no more paychecks.  They’re living hand to mouth, hunting and gathering what they can in order to stay fed.

Making some difficult changes now can provide a stable standard of living in a world that is going downhill at breakneck speed. By decreasing your monthly output, you can hang on to necessities.  I’d rather choose my own austerity plan than to have it forced upon me.


About Daisy:  Daisy Luther is a freelance writer and editor who lives in a small village in the Pacific Northwestern area of the United States.  She is the author of The Pantry Primer: How to Build a One Year Food Supply in Three Months. On her website, The Organic Prepper, Daisy writes about healthy prepping, homesteading adventures, and the pursuit of liberty and food freedom.  Daisy is a co-founder of the website Nutritional Anarchy, which focuses on resistance through food self-sufficiency.

Daisy’s articles are widely republished throughout alternative media. You can follow her on Facebook, Pinterest,  and Twitter, and you can email her at [email protected].

One Last Piece of Advice

As I was preparing this article, I pinged Daisy and asked if she had one more bit of advice for Backdoor Survival readers.  Here is what she said:

When you are trying to crack down on your budget, go on a complete spending freeze. Pause before spending money. Decide if you really need the item or if it can wait.

If you do need it, spend some time learning to make things that you would normally buy. I make things like yogurt, cheese, holiday decorations, cleaning supplies, and lunch box goodies. This has saved me thousands of dollars over the years.

And if you go off the wagon and spend money you feel you shouldn’t, be kind to yourself.  Don’t use it as an excuse to go on a  crazy spree. Just start right back up again on your frugal route, and you’ll be back on track in no time.

The Final Word

Austerity is not a stranger in my household.  I can recall a period about twenty-five years ago when there was no money coming in, large medical bills, and a mortgage to pay.  Even then, we were fortunate to have stored foods and a substantial emergency fund.

For me, it helped that I have always been a frugal do-it-yourself type.  Sure, I like nicely made from of leftovers and “garbage” soup is regular gourmet delights in my household.  Dining out is for special occasions and gifts to each other are small but meaningful.

As prepper’s, we need to set our own barometer of personal austerity.  Whereas not everyone can live below their means because they do not have means, to begin with, they can examine their spending habits and attempt to make the tiniest of changes to ensure their financial survival down the road.

Enjoy your next adventure through common sense and thoughtful preparation!

If you enjoyed this article, consider voting for me daily at Top Prepper Websites!  In addition, SUBSCRIBE to email updates and receive a free, downloadable copy of my e-book The Emergency Food Buyer’s Guide.

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FordEx Group 300lm Mini Cree Led Flashlight:  FAVORITE!   It is super mini sized, bright and waterproof.  Plus, it uses a single, standard AA sized battery.

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ProForce Commando Wire Saw Bulk, Ideal For Survival Kits:   Here is what one reviewer had to say:

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The Prepper’s Guide to Food Storage:  My 99 cents eBook will provide you with everything you need to create an affordable food storage plan, including what to buy and how to store it. Nothing scary and nothing overwhelming – you really can do this!

Morakniv Craftline Q Allround Fixed Blade Utility Knife: FAVORITE! Also known as the Mora 511, this is now my favorite knife. It is made of Swedish steel and is super sharp.  Many Backdoor Survival have emailed me indicating this is now their favorite knife too.

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7 Responses to “It is Never Too Late to Embrace Personal Austerity”

  1. This article I has touched me and I really need to take heed……I over buy everything and I need to concentrate on preps and giving away my junk…..I am going to get off my chair and start downsizing…we built our dream home of which I would have a hard time leaving for a tiny space…less to clean but it took us over 20years of marriage to accomplish this. I will stay here no matter what until I can no longer keep it up and then one of our sons will inherit it. We farm a large amount of acres so moving out west is not an option..we have a small mortgage on the house it is nearly paid for….so we will most likely never fully retire… here we are……one question is…we live in tornado state..we have a basement and a have a large walk in closet on the main level..where would our stock pile be safer..basement….main level?any ideas from anybody would be appreciated

  2. One major advantage of austere living is brain space. Many people use lots of brain space to keep track of all the stuff they own. They also then use a lot of mental energy worrying about how to allocate it, protect it, etc. By down-sizing what you own, you will free up brain space and mental resources. That’s why cleaning is therapeutic; you’re getting rid of stuff you don’t need and freeing up brain space that was stuck worrying about it. That’s not to say you can’t keep pictures of family members and special moments or things. But, most folks have way more stuff cluttering up their lives then they need. And, it leads to inaction. If a house fire hits … omg, I need to save the china, the computers, the tv, the… the list goes on and on. But, if you have little, and have a BOB, then you go “a house fire … grab the bag, everything else I already know is expendable”.

  3. I have followed Daisy for while now and her advice has been helpful to me.

    Like you, I have to have a fast internet connection for my home office and cancelled the premium cable TV. My monthly bill dropped to 68 dollars from 180 and i don’t miss the pablum coming out of the boob tube. I did purchase a digital TV antenna which gives me 9 local channels and I’m fine with that.

    I’ve had to purchase a new phone ( AT&T says it’s really smart ) and the phone I wanted originally was 700 dollars and after some serious consideration I went with a 400 dollar Kyocera with the very same features. I paid upfront as much as my budget would allow and the new phone adds only 13 dollars extra to the 43 bucks I’ve been paying.

    This has been a very, very tough year for me physically and financially and although I’ve always considered myself fairly frugal, I have taken my prepping to a new level and adjusted accordingly. My income has dropped to 30K from a 107K last year. That’s the breaks. If it hadn’t been for prepping and following good advice on these sites I would probably be in serious financial trouble.

    So here’s what I do: I ask myself do I need this item or do I just want it? Example: I saw some French made wine decanters in a store recently and they stopped me in my tracks. They would have looked great in my glass display. I must have stood there and admired them for 10 minutes then walked away. I wanted them badly but didn’t NEED them.

    I have a long way to go in my prepping and have so much more to learn but I gotta tell you, I have managed to get my total monthly expense to average of around 1100.00 dollars ( I own my home, no mortgage ) but it’s just myself and the dog.

    Personally, I do believe that most Americans have lived in such affluence for the last 65 years that we forget how industrious and creative our grandparents or great grandparents were in the past with very little money and had to rely on their own hardwork and resources. That’s part of the reason I prep. Independence is very very important to me.

    I’ve been very poor and I’ve been upper middle class with the amenities. I prefer somewhere in the middle. My employees tease me occasionaly because I went from driving a BMW to driving two older pick ups and that’s OK because i’m in this for the long haul and rise to the challenge of being a cheerful prepper!

    Best to all,

    Snake Plisken

    • If you can, would you share the details of the digital TV antenna you purchased? For example, how far are you from the local broadcasting tours? My guess is that we are 50 miles away so that option may not work. That said, we have been fine with no traditional TV at all for over 3 years.

      BTW, I am happy to hear that you follow Daisy at // She is the real deal and has truly walked the walk along with the rest of us. I am so blessed that she is my friend.

  4. This rings true for me. When hubs and I had our first child, I really wanted to quit working at a ‘punch the timeclock’ job and be a full time mother and make homemade meals and all that good stuff. But like a lot of people we had put ourselves in a position of being dependent on every penny of both our paychecks. In order to get our expenses down to where they could be covered by one check we made what we thought at the time were some drastic cuts! We cancelled our satellite tv, sold our spare third vehicle (a gas guzzling SUV), cancelled our pricey cell phone contracts, quit eating out, switched to burning wood for heat, and amping up our hobby garden to put more food on the table. What is laughable today is that we have never missed any of the things we gave up, and if we had just made those cuts sooner, then all the years we were both working we could have socked away quite a nestegg. ugh!

  5. I found this to be THE most difficult to accomplish: “On a piece of paper, track where your money is going.”
    I don’t know why. It just was. I only did it for a little while to get over a hump. It helped.

    That envelope trick is Da Bomb. I still use it, and highly recommend it to anyone.

    Another trick to getting yourself to cut back on expenses is to look at monthly bills and ask yourself, “How much is a years worth?”.

    Doing that is why I never got cable or satellite TV. Six Hundred to Twelve Hundred Bucks to watch TV for a year!? To me, that’s just plain crazy.

  6. Thanks, excellent article. Something I have been working out in my head gives some direction to “get ‘er done”!

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