Totally Frugal

From Penny Pincher to Frugal Queen
 by: Melissa Garcia

by: Cyndi Roberts
Are you an avid reader? Are you trying to instill a love of reading in your children?
My whole family loves to read! Right before bedtime every night, every one of us can be found with our nose in a book!

By: Nicole Dean
I need to learn how to save more of our income. I’m not interested in starting a business or making money, but I do believe that a penny saved is a penny earned, so I’d like to hold onto more of my pennies. Thanks so much for any help you can offer! – Signed, Penny

Dear Penny,

By: Chaele McMillan
Make a distinction between what you need and want. Get ready to save money:

1) Before buying those pair of shoes. Ask yourself do you really need them?
How many times are you really going to wear them?

2) Before making apurchase over 50.00 wait 5 days. If you still want the item go buy it. Most of them time you will find that you really did not need it.

Consignment shopping can be fun as well as rewarding. I was first introduced to consignment shopping when I was pregnant with my daughter, about 12 years ago. The trend of buying second-hand items was just beginning. I started shopping at a store that consigns women's and children's clothes, toys, and baby furniture. At first I just bought some baby clothes there and marveled at how inexpensive they were (1/3 or less of retail prices). As my daughter got older I didn't have any little girls to give her clothes to, so I started consigning her clothes.

1. Lighting & Light Bulbs
Install low energy light bulbs in rooms you use regularly – they
last up to 15 times longer than a normal light bulb and provide the
same lighting for a quarter of the running cost. Turn off the lights
when you leave a room for a long period and don't use several light

Many people graduate from college owing thousands of dollars in student loans. It isn't uncommon for students to graduate owing $30,000 to $40,000. For people that get married shortly after graduation that means starting out with around $80,000 in debt. Thats a lot of debt for a young couple just looking to buy a house and possibly replace their aging vehicles.
While you may not be able avoid taking out a loan for college, here are six tips to help minimize the cost of your college education.
 

Frugal living is more than a lifestyle. It's a passion. Call Me Crazy! I love It!
Why, who wouldn't love getting paid to buy products that they use everyday?
Here's how I do it.

Frugal living is more than a lifestyle. It's a passion. Call Me Crazy! I love It!
Why, who wouldn't love getting paid to buy products that they use everyday?
Here's how I do it.
I purchase an item that has a rebate offer (either a store or manufacturer rebate) while it is on sale and use a coupon during purchase. That's it! Using this formula I almost always come out ahead. When all is done, I've gotten back more than I actually paid for the item.

Saving money is not easy and is made more difficult if you have a short-term outlook regarding your personal finances. If, like many people, you are living from one pay cheque to the next, it is difficult to put some money aside for a rainy day or for a summer holiday. But what if you were to change your financial outlook into a medium to long-term one?