Are You Frugal?

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Well are you?  I wouldn’t call myself frugal but I do like to save money when I can.  Sometimes believe it or not it may cost a little more at the time when you are trying to save money.  Well click and read more about it…….I don’t proclaim to be wealthy, nor an expert in this subject.  I will share what I have learned with years of trying to save over the years.

It helps to know your household needs.  Notice I said “Needs”.  Once you establish what it is you need for your household you can plan.  The “Wants” can come later.  Needs:  Mortgage, electric bills, insurances, property taxes, medical bills and medicines, phone bills, grocery bills, fuel for the automobiles, clothing allowance, don’t forget your tithes etc.  If you have children then factor in their needs such as school.

Alright, now you have your needs and yours may vary from my list of course.  You have your “Budget” for what you have to have each month.  You must not vary or spend the money you absolutely have to have.  You need a roof over your head plus other things in the need list just to be comfortable.

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Let’s talk about food, because that is a major expense.  We all have to eat.  Do you cook or eat out a lot?  You can save lots of money by preparing your own meals no matter what the size of your family.  It will save you money even if you live alone, you can learn to cook for one divide your food store for later use.  Eating out is to be in the “Wants” category.

TIPS

Grow what you can given the land you may have.  You can even grow most items in a pot given exposure to sunlight.index

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Buy in bulk in season.  (prices are much better in season).  Keep in mind only buy what you will use and the storage space you have at home to accommodate the items.

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Buy from wholesale clubs.  We have a Sam’s Club in our area that I buy things in bulk.  I do this on an average of once a month.  Stock up on things your family uses* that will last.  **This is where the it may cost you a little more but will save you lots of money in the long run comes in.**

Buy locally.  If you know of a Farmer’s Market or a grower in your area then by all means buy from them!  Don’t be afraid to ask where things are grown even at a market.  You don’t want to buy something you can find at any grocery chain you want local.

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Be choosy, stop buying quick prepackaged items that are full of additives and chemicals that are not good for you.  Learn to buy ingredients that are as organic and safe as possible to use.  If you don’t cook then learn.  You’d be amazed at the savings and the pride you will feel in knowing you made this meal from scratch and saved a bunch of money to boot!  I buy my meats, poultry etc from a butcher that raises good grass fed animals.  That is almost a splurge but then again it is 100% better tasting and not filled with things that I don’t want in my food.  It is the next best thing to growing your own.  Which is something I would love to do.  I do own chickens for the fresh hen eggs and nothing beats them.  Do this if you can or find someone locally to buy your fresh products from.  You’ll be glad you did.

A major saving tip:  Learn to store our bulk items.  Freeze, can etc.  Preserve your items that you have in bulk.  Space provided buy a freezer, a pantry to store your canned goods would be excellent!  Again I mention to you ONLY things that you and your family will use not frivolous items that you won’t use.  That is wasteful spending and a drain on your budget.  It also cuts into your budget for  fun “Want” things list.pantry

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A few words of advice: 

Don’t be a hoarder!  It is an easy thing to do.  When you buy in bulk you may have more than you and your family need.   The savings will warrant the extra. That is when you:     Share what you have that you don’t need.  You will be amazed at the amount of money you will save and yet in doing so you will have surplus and sharing is the best way to go.  I know that you know someone that likes certain things so share.  It will prevent waste and help someone you know.  How fun is that?

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Major Tip  Buy on sale.
Do this when possible.  Part of the bulk buying.

You may ask me what about using coupons?  I would say to you if you have coupons that will save on something you will actually use then by all means use them.  **my personal note:  extreme couponing can lead to hoarding and useless items.  I have used coupons for many, many years and now find little to use on what I actually need to buy.  My sister in law Bettye and I used to make money back in the early 80s.  I have been that route.  I still use the occasional coupon on items that I don’t make myself.  That will be a topic for a later post.  Making items used in the home that save money and work just as well like laundry and dish detergents, cleaning products.  Made with everyday household items.

We’ll discuss other saving tips at a later date but this should get you thinking in that area.  Have a great week and enjoy saving money.

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Dolly of  Savannah Attic Team and The Hibiscus House Family of Blogs

2 Comments

Filed under DIY, Home/Garden

2 Responses to Are You Frugal?

  1. WoW I really Loved This !! Thank You so Much for So many helpful Tips and Ideas. You are the Best!!

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