become frugal

Do you want to be more frugal, but have a tough time developing new habits?

The concept of frugality is simple: look for ways to cut costs, go for quality items you’ll use a lot, and be smart with your resources. The hard part of adopting a more frugal life? Sticking with the process.

It seems like some people are naturally gifted when it comes to frugality. Me? I am, and always have been, a borderline spendthrift. I’ve put a lot of effort into changing my ways, and I feel like I’m finally making some progress.

If you find yourself having a tough time adopting frugal habits, here are some tips to motivate yourself to stick with it. [ continue reading… ]

frugal habits

One of the most direct ways to change your life? You need to change your attitude.

No one else is responsible for what happens to you but you, so you can either complain about the things you don’t like in your life or you can set about changing them. Not surprisingly, this directly relates to the state of your finances.

If you’re tired of living paycheck to paycheck, having your phone regularly cut off, or making excuses to skip dinners with your friends, then you can use these seven habits to take control of your money situation and live a happier and more frugal lifestyle.
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I dragged myself out of bed at 5:18 a.m. this morning (after I’d hit the snooze button twice), threw on my workout clothes, and went to the gym before the sun was up.

Despite the fact that I once viewed early mornings (not to mention a.m. workouts) to be a unique form of torture, I am trying my best to create a pre-dawn gym habit in order to set each and every day up for success. That’s because your morning habits set up your day for better or worse. Hitting the snooze button until 20 minutes before you have to leave for work is a good way to feel behind all day long, while getting up early and fitting in some exercise will help you feel empowered to handled any problem that crops up.

Did you ever want to improve how you start off each and every day? Here are four morning habits that successful people adopt to stay on top of their days, their careers, and their lives:
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Food is probably your biggest expense aside from housing. After all, you always have to eat. So is there any way you can really cut back on this category? The easy answer is to stop going out to eat and spend more time cooking at home, but what if you’ve already done that and still can’t afford to be spending what you’re spending on food? The answer lies in your grocery bill.

Just because you’re cooking your own food doesn’t necessarily mean you’re saving a lot of money. Groceries can cost a lot too, depending on where your live or which supermarket you shop at. So much so that it might be tempting to cut back on fresh foods and spend more on fast food, which definitely wouldn’t be great for your health. However, if you become a smarter shopper, you can definitely find ways to lower your grocery bill without having to buy less. Here are five ways you can do just that:
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retirement

Sometimes, it seems as though personal finance advice is all about what you should have done. But we’re all able to easily identify the mistakes we’ve made in the past. The important advice is what you should do to correct those old mistakes. Shoulda coulda woulda is singularly unhelpful in those situations.

This is particularly true when it comes to retirement savings. If you’ve already received your AARP card and still have not started putting money aside for your retirement, those charts showing how much compound interest will earn you if you start saving in your 20s are depressing at best.

But workers in that situation can’t afford to wallow in their “if only!” feelings, even though they might want to. Instead, they need to make a plan for the next 15 to 20 years:
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cooking spaghetti
Does it feel like your grocery bill keeps growing? Sorry, but you can’t blame it on inflation. Food-at-home prices dropped 1.6 percent since last July — the sharpest decline since 2010. Maybe you’re eating healthier or haven’t been as diligent about shopping sales ads and using digital coupons, rewards cards, or rebate apps. Or maybe, like me, too many convenience foods are creeping into your kitchen.

Convenient prepared foods – even their healthy versions – are so… convenient. It’s nice to have pre-cut, pre-mixed, prepared foods for the times our schedules get a little hectic, but they can quickly become an excuse to get lazy about food preparation — and jack up the grocery bill.

Back in the ‘olden’ days, folks didn’t have the option of prepared breads, sauces, dressings, or meals-in-a-box. They used basic staples to make everything they needed. I’m certainly glad I have the option of buying marinara sauce instead of having to make it every time I want some pasta, but I think it’s time to bring some old-fashioned frugality back into our kitchens. Here’s how we can do it.
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