Little Frugal Changes Can Save Money
Too many people simply assume that a penny saved is just a penny saved and nothing more. But save enough of those pennies and you will have a dollar, ten dollars or even a hundred dollars.
And the best part of saving a penny is that it doesn't take a great sacrifice on your part. You are just talking small frugal changes, not cutting out everything from your life.
Frugal living isn't about sacrifice. It is about spending less and getting the same amount or more. It is about cutting the costs associated with your everyday living. Will turning off a few lights around your house take a huge sacrifice on your part? No. And after a while it becomes a habit. And your electric bill is a tad smaller.
You can change your habits. Challenge is a good thing that motivates you. Challenge yourself to be frugal this year.
The easy thing about living frugally is that you do it day by day. You don't have to think any further than right now. You simply take it penny by penny. But this can also make it hard to see what you are really saving. It is like watching every single pound when you are loosing weight. You are constantly wondering if you are getting somewhere.
So in your frugal lifestyle, stop focusing on the individual pennies. Take the steps one at a time, but remember that each step is saving you money.
It can be as simple as buying a few dozen cloth napkins and dish clothes and vowing to never use paper napkins or paper towels again. You can save $54 a year doing this. Or you can find an insurance policy that could save you $100 a year in premiums. Either way, those small steps are saving you pennies that add up to big savings. They don't take a lot of work, but they save you money.
Okay, you may be saying that these things are so small that they don't really matter. Well, what could you do with $154 extra dollars? How about renting a movie instead of going to the theatre three times this year? That could save you another $75. Change your own oil in your vehicle and save around $40. Quit eating out and eat in one additional night a month and save $240.
Before you know it, these little changes will add up to a nice vacation, new furniture or a college fund for your children.
The options are endless. Saving up your pennies really does make sense. Frugal living is a nice way to take it day by day. The key is to put your savings in an actual savings account. When you notice that your electric bill is lower, put the extra money in your savings. When you spend less at the grocery store, put the extra money in savings. When you eat in instead of dining out, put the saved money in your savings account. It won't take long and you will see how it starts to grow.
Related Tags: save money
Martin Lukac http://www.MartinLukac.com , represents http://www.RateEmpire.com , an Internet consumer banking marketplace. RateEmpire.com is a destination site of personal finance, investing, taxes and mortgage rates. RateEmpire.com provides mortgage guides and financial rates and information. RateEmpire.com also operates a financial portal #1 American Financial, found at http://www.1AmericanFinancial.com
Your Article Search Directory : Find in ArticlesRecent articles in this category:
- The Secrets to Getting Low Down Payment Car Insurance
Upon purchase of a new car, there is almost always a requirement to buy an auto insurance policy as - The Wisdom Behind Auto Insurance Comparison Quotes
No one in his right mind would not go for a good deal. In fact, everyone is out on their feet and ru - The Benefits of Auto Insurance Comparisons Florida
Insurance can be expensive. This is something everyone knows about especially in the sunny state of - Auto Insurance Florida: The No-Fault Policy
There are different kinds of car insurance offered by a wide range of providers today. Different sta - Finding the Cheapest Auto Insurance Companies
Everyone is asking and searching for the cheapest auto insurance companies available today. Consider - How do You Compare Private Health Insurance Cover in Australia?
Deciding what is the best and most affordable private health insurance cover can be easy if you take - How Payment Protection Insurance Was Mis-Sold
For over six years the issue of Payment Protection Insurance (PPI) and how it was mis-sold to custom - Finding Quotes For Auto Insurance Online
One of the many concerns when you are shopping for auto insurance is being able to get access to quo - How You Can Find the Best Auto Insurance Online
When it comes to renewing your car insurance you are going to quickly discover that there are a numb - Guidelines For Searching For Auto Insurance Online
The internet can be a great source of discounts and values related to auto insurance. However, many
Most viewed articles in this category:
- Trading Forex With Pivot Points
Forex Pivot Point Trading are used today by Forex Traders and are calculated on the previous days mo - Where To Search For Free Grants
Where do you look for free grants? The search must be thorough or it could be an exercise in futilit - The Connection Between High Blood Pressure and Salt
We are a society of Salt Addicts. It cannot be denied. When you look at the things we do and the pla - Tips For Avoiding HYIP Scams
Before knowing about HYIP Scams, refer to the functioning of HYIP or "High Yield Investment Programs - Getting Credit After Bankruptcy
Consumers do not have to live sans credit following a bankruptcy. By following certain steps consume - Tips For Choosing A Credit Card
Are you looking for that perfect credit card? If so, you may be confused about what exactly to look - Cheap Car Insurance For Teens Online
Many elements determine a car insurance policy. Car insurance companies look at the person's age, hi - What Exactly Is Free Grant Money?
You can apply for free grant money from various government agencies. But where exactly does this mon - Small Business Owners Marketing and Customer Service
Marketing can be time-consuming, but it doesn't have to be hugely expensive now, thanks to the Inter - Apply Online For A Credit Card - How To Choose A Card?
The best type of credit card for you will be dependant on how you intend to use the credit card. Are