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Best Frugal Tips

Best Frugal Tips

Thriving and (not just surviving) on $30,000 a year!

Best Frugal Tips

$30,000 a year does not seem like much. It definitely doesn’t seem like enough for one person to live off of for a year. Much less a family of four! It is a very unrealistic number for some people. The factors that make it unrealistic are usually self-imposed though. Getting to a point where you can live on such a modest amount of money can also be self-imposed. The key to it being possible is wanting it to happen and making it happen. When there’s a will, there’s a way. Here are some of the best frugal tips that you should consider.

Best Frugal Tips for Living Under $30,000


There are several factors that you need to consider making a financial lifestyle change. First, get real about your finances. It is very easy to look the other way, ignore the problem, and make excuses. Get ahold of your budget and really look at it. Dive into it. Become a CEO and think of your house as your business. Look hard at your expenses and see what is driving up the cost. If you choose to live in a big city where your rent is $3000 a month, maybe it’s time to look into a roommate, co-op, or suburban life. If you’re spending so much time at work that you can’t grocery shop and cook for yourself that dining out or eating fast food and it’s time to look at the cost/benefit ratio. What about your “must-have’s”? Are they really “must have’s” or are they “most wanted”? And finally, look hard and long at your debt. Is the stress of worrying about if the next phone call is a collection call or if your mailbox is full of bills worth it?

Making a change is not easy. It may mean compromise. Actually, it will always mean compromise. If what you get out of that compromise is a winning scenario that means less stress, more time with your family and friends, and more money for the future… then isn’t that compromise worth it? Play the game with the hand you are dealt, not with the cards the dealer hasn’t given you yet. If you don’t have the money in the bank, just wait until you do.

 

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Angie Rumpf

I am a stay at home mom and happily married to my husband Tom. I have a five year old daughter and a two and a half year old son. I grew up in Orlando, but went to school in New York City and lived in Los Angeles before moving home to raise a family. I have worked in the film industry since the early nineties, and for over a decade with the Florida Film Festival. I also spent many years working in marketing with Glaceau and Honest Tea. But, I am happiest at home building my family.

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5 Easy Ways on How to Save Up Money

We all need extra money from time to time, so our tips for How To Save Up Money are going to be life changing.  These are simple methods we’ve put into practice to help our family stay within budget and thrive on a lower income!

Read more ways on How to Save Up Money!  These tips are ideal for helping you function on a lower income year to year!  Great ways to begin saving!

How to Save Up Money

The first thing you need to do before we start is to figure out what your expenses are. I mean true expenses. These are expenses

  1. Expenses you can’t change (rent, loan payment)
  2. Expenses that you can change like (electricity, gas, food, clothing)
  3. Expenses that you can do without (Cable, Cell, eating out)

How to Save Up Money1) Come up with budgeting goals

Goals should be actionable. That means you have to be able to do them. They should be clear. I want to save is not clear. How do you want to save. What are you going to do. What does savings look like. You need to have something that is measurable. A better way to write your goal is I currently spend 1,000 a month on groceries I want to decrease my spending by 20% by using coupons, following the store cycles, and I will use crockpot to freezer meal recipes  cooking. When I will cut $50 a week off my bill and I will use that $50 to pay off my credit card which will be done every Wednesday night.

2)Try to spend less money if you aren’t spending it you can save it. Think about areas you can cost costs and make those changes.

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3) Stop Paying for things you can get for free

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4) Create a plan

Get out of debt and here are some frugal ways to get out of debt

The first thing to do is figure out how much you owe. You need to see what your interest rates are. Then move all your debts to one place so you can see them. I put the amount I owed on my credit card when I owed money. Then each time I pulled it out I put it back and didn’t buy things I didn’t need. I used this method of writing down my debt to pay off my car 1.6 years early (I paid our account back. I bought the car in cash) I also used this method to pay off my student loans 10 years early. They are all gone! We just paid off three prepaid college accounts for our children all who are 10 years old or younger!

Teach your children how to save by getting your kids to save money.

I would find a system that works for you whether it be a 52 week savings plan or an envelop system. I personally use a credit card to buy everything and then I pay it off every Wednesday. I spend every dime I have. That means at the end of the month anything that is left I “spend” on a goal I have. We recently spent all our savings on paying off our child’s college fund 14 years early which saved us $23,000.

5) Reward yourself for doing a great job!

I would like to say that you deserve a treat. This treat has to be within your budget. I would find something free that you enjoy and do that! I love a good book and reading is a treat to me. I log on to the library and I just go ahead and reserve a book I want. I believe anyone can get out of debt. The best thing to do is pay your debts off even if you just pay $5 extra a week off that debt it will reduce what you owe! Savings is the key but not spending what you do not have is the ultimate lesson.

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January 5, 2013

Budget Saving Tip #5 – Make Your Own Laundry Soap

This 2013 our goal is to save more money! MadameDeals is all about Making Dollar$ Out of Change, so everyday we will be sharing some useful and simple tips that we can easily do. Saving a few buck$ may not be a lot, but if you will combine all the savings that you can get within a year, I’m sure you’ll all be surprised with the result.

Our budget saving tip for today is on laundry soap

I never realized how much money I can save until I started making my own laundry soap. Not only is it very cheap, it’s great for people especially kids with sensitive skin.

Learn how to make your own laundry soap now!

Save money this 2013, check out our other Saving Tips!

Also, read our other Useful Tips posts!

If you have some tips share it with us below.

January 2, 2013

Budget Saving Tip #2

This 2013 our goal is to save more money! MadameDeals is all about Making Dollar$ Out of Change, so everyday we will be sharing some useful and simple tips that we can easily do. Saving a few buck$ may not be a lot, but if you will combine all the savings that you can get within a year, I’m sure you’ll all be surprised with the result.

Our budget saving tip for today 

Since I am “Madame Deals” I will share my tip.

1) It is not what you SAVE but it is what you spend. That means if you spend $5.00 and save $10.00 if you didn’t need the $5.00 item you actually should have saved that money! – Amee

Save money this 2013, check out our other Saving Tips!

Also, read our other Useful Tips posts!

If you have some tips share it with us below.

January 1, 2013

Budget Saving Tip #1 – How to Save on Shampoo

This 2013 our goal is to save more money! MadameDeals is all about Making Dollar$ Out of Change, so everyday we will be sharing some useful and simple tips that we can easily do. Saving a few buck$ may not be a lot, but if you will combine all the savings that you can get within a year, I’m sure you’ll all be surprised with the result.

Our budget saving tip for today is on how you can save on shampoo!

When bathing, instead of pouring large amount of shampoo at once, our tip is to pour small amount first and repeat the process.

First use about a quarter sized amount of shampoo. Yes, it won’t lather much, but you will get the surface dirt off. Next rinse.

Then repeat the process with the same quarter sized amount of shampoo. This time the shampoo lathers really well! Rinse and use conditioner if needed.

You may doubt it at first, but try it and it will work. By using two smaller amounts, you save about 50% on shampoo!

Save money this 2013, check out our other Saving Tips!

Also, read our other Useful Tips posts!

Instead of buying expensive hair care products,  you can also try to make and use these natural and homemade hair products: