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A Frugal Lifestyle
The word “frugality” has left a more negative connotation for most people than
simply being a saver, a cheapskate or tightwad. There is a thin line difference
to saving and too much frugality to the point of being awkward and ridiculous.
This is where the negative connotation comes from.
But if you are guided with the right principles and reasons in deciding to live
a frugal life, you would never go wrong.
If you have decided to live frugally, no need to be worried of insults. Keep
your head up high. And keep your focus through these tips.
1. Eating Out - Having gimmicks with friends on a Friday night is fine if you do
it once in a while. But this can be expensive if you add them up at the end of
the month.
2. Clothing - Naturally, if you are the kind of person who adores signature and
designer clothes, do not expect that there will be something left of your take
home pay. Instead of being trendy, wear clothes that can easily be matched with
your other clothes.
3. Own Home - If you are planning to move out and find a place to settle, do not
be overwhelmed by the excitement, instead be practical. As a start, buy a
smaller house or try other ways like rent-to-own, do-it-yourself arrangements,
and owner financing.
4. Buying Your Own Car - Shy away from sports cars or SUVs. Just stick to your
purpose of buying a car which is to transport you anywhere you need to go. Check
out also program cars like a new car warranty. Maybe this is not just the best
time to replace your car with a new one.
5. Shopping for Groceries - As much as possible do not go with items that are
branded. Choose non-brands and try looking for items on the highest or lowest
shelves for best prices. Grab the opportunity and shop during sales or use
coupons.
6. Family Out - There are inexpensive ways to bond with your family and be
entertained like going to libraries, local parks, malling, picnics, visit
friends and local church.
7. Buying School Supplies - Stock school supplies at home and do not buy
anything fancy.
8. Be contented with what you have and try to live within what you earn.
9. Plan your Child’s College Education - Teach them the ways to be independent
and self-supporting by encouraging them to apply for scholarships and “on campus
jobs”.
10. Be Aware of your Financial Limitations
11. Anticipate your Failures by Planning - Have always a budget plan so you
would avoid impulsive buying.
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