Five Ways to Save Money and Live Frugally

Frugal living does not have to be about a life of depravation.† The frugal life is one of frugal shopping, careful choices, and finding the best ways to save money.† Making just a few adjustments in five areas of your normal life will help you become a frugal person.

Saving money on groceries is very important since they†are one of the most expensive items on any budget.† Be sure to take a list with you when you do your grocery shopping; this will help to cut back on impulse items and save money on groceries.† If you are still concerned, then why not take a friend shopping with you.† Exchange lists at the grocery store and each of you can gather up the other's groceries, virtually eliminating all impulses.† And donít forget to cut out coupons.† It may take some time, but it will add up in the end. Frugal shopping is one of the best ways to save money and can easily be done if you put your mind to it.

Frugal people still go on family vacations, they just do it wisely.† You can really stretch the family vacation dollars by traveling during the shoulder season or off-season, although it's a good idea to check to see if local attractions will be open if you want to attend.† Since much of a family vacation budget goes to housing, why not spend your family vacation visiting relatives?† There is the joy of bonding with family, but you also get to stay for free and save money on your family vacation.

Being frugal doesnít mean that you have to stay home all the time.† If you do a little looking around, you are sure to find that many of the museums, zoos, botanical gardens and other places offer free or discount days.† For those that donít offer the free days you can check to see if a group discount is available and then call up your other frugal friends for an outing.† For movie nights, check with the local library to see if they have movies available to check out.† There are lots for you to do, and you can do much of it without ever spending a dime.

Clothing is one of those items that civilized society has deemed necessary.† The clothing manufacturers, who realize our dilemma, often charge outrageous prices.† Buying out of season (buying winter clothes in the summer and vice versa) will help to cut this item in your budget.† Instead of buying new, check out your local thrift store or second-hand store where prices are a fraction of the retail (and sometimes the clothes still have the original tags).† An even better way is to just trade with friends.† Hand-me-downs are the frugal personís best friend.

One item that it is not always wise to buy new is the automobile.† While there is nothing wrong with having a nice car, if you canít pay for it with cash then it is probably not worth it.† Drive what you have while you save up, and then purchase with cash.† Just having the money in hand will give you a lot of negotiating power.† Today, many of the used car dealers include some type of warranty with their cars, making the purchase even more secure.

The frugal lifestyle can be more enjoyable than any other.† There is money for the things you truly want to do and there is no worry about how the bills will be paid each month.† By finding the best ways to save money, by being†doing frugal shopping, by saving money on family vacations and by thinking about your choices before you make them,†you can live a fulfilled frugal life.

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