Frugality

15 Items That Are Always Worth Buying in Bulk

This article first appeared at U.S. News and World Report Money. Buying items in bulk can be a great way to save a little money. If you’re able to reduce the cost per unit of a purchase, then you’re opening the door to reducing your household expenses over the long haul. The trick? Sometimes bulk …

Categories: Frugality

Eight Simple Money Saving Do-It-Yourself Tasks to Do This Spring

Spring is here! (At least, according to the calendar. We received about an inch of snow overnight, which I hope will be the last snow until the late fall.) For the five of us in central Iowa, spring means that it’s time to get outdoors again after a long winter. We usually gorge on the …

Five Inexpensive Gym Alternatives for Exercise

In my area, the cheapest gym I can find for exercise is one that charges about $15 per month and charges additional fees for every class you might take. The $15 per month just gets you in the door and gives you access to the facilities. Other gyms that offer training programs and such accelerate …

Categories: Frugality, Health

A Day of Consumption

One of my favorite achievements during my early financial recovery was discovering the power of “money free weekends” and, later, “money free weeks.” Money free weekends are a really powerful way to keep your spending in check – and it’s also a great way to discover free things that you enjoy doing. Here are 100 …

The Challenge of Frugality and Good Nutrition

The other day, I went through a local grocery store flyer and marked items as either being “healthy” or “unhealthy.” I was curious as to whether items on sale were items that provided good long-term nutrition for people or not. Of course, the first problem is defining what “healthy” and “unhealthy” means. Part of the …

Categories: Frugality, Meals

Measuring Frugality

Most of the time, when I’m evaluating the usefulness of a frugal tactic, I convert that tactic into dollars per hour. I’ll figure out how much I save, how long it takes me to complete that tactic, and then use a bit of basic math to convert it to that standard unit. For example, let’s …

Categories: Frugality

Four Frugal Technology Recommendations

Readers often contact me asking for recommendations for technology items at a low cost. They have a use in mind and they just want the item that will fulfill that use at the lowest price without any serious negative drawbacks. Four of these requests tend to repeat themselves quite often, so I thought I’d just …

Categories: Frugality, Technology

The Last Bit in the Container

It happens over and over again in life. You’re using a tube of toothpaste and you’ve used enough so that it’s becoming difficult to squeeze out the remainder. You’re eating a bag of chips and all that’s left are a bunch of crumbs at the bottom. You turn over your shampoo bottle to get a …

Categories: Frugality

The Greater Implications of Frugality

Maria writes in: Do you ever write about the political and social implications of frugality? When you choose not to spend and instead invest your money, you’re either supporting the banking industry or brokerages. Every dollar you have makes some sort of statement, even when you choose to save it. Maria makes a good point. …

Categories: Frugality

The Crossover Point and Frugality

A long time ago, I wrote about a concept called the “crossover point”. The “crossover point” describes the point at which the returns from your investments exceed your living expenses, which means you can begin to fully live on your investment income and not have to work. To give you an idea of what the …

Categories: Frugality

Letting Up

When people find themselves first recovering from financial disaster, they often bear down very hard on every dime. They scrutinize every expense and every receipt, looking for a way to squeeze a few more dollars out of their life so that they can push down those debts a little bit. At that point, fear is …

7 Tactics to Avoid Food Waste

I was stunned by an article in the Washington Examiner that states that Americans waste 133 billion pounds of food each year. That adds up to about 400 pounds of food wasted per American man, woman, and child each year. If our family met that American average, the five of us would waste a ton …

Categories: Frugality, Meals

Failing at Frugality … or at Life?

It’s easy to look back on my history of frugal experiments and see a lot of failures. Not too long ago, I attempted to fix the toilet on our main floor. After three hours of grumbling and several broken pieces, I wound up calling the plumber, which would have been cheaper to begin with. Once, …

Categories: Frugality

The Fleeting Luxury

I’m not a big fan of sweet stuff. I’ve always been the type of person that prefers savory flavors, and my favorite thing in that regard is cheese. I love trying new kinds of cheeses. Every once in a while, I’ll splurge and buy a chunk of cheese that I’ve never tried before. Extra mature …

Categories: Frugality, Meals

Handling Social Reactions to Changes in Your Spending

When I first started cutting back on my spending, a significant portion of my social group took notice. They saw that I was less interested in expensive excursions like golfing and that I was sometimes skipping after-work meetups (and drinking only water at most of the ones I attended). Quite a few of the people …

Don’t Cut Spending Where It Hurts

The one part about turning around your personal finance situation that everyone dreads is the cutbacks. It’s easy to see why. Your normal, everyday life is what has led you to this financial corner. In order to turn the ship around, you’re going to have to make some changes to your normal, everyday life. People …

The Ultimate Guide to Making Meals in Advance

It doesn’t take a rocket scientist to see that a person can save a ton of money by preparing meals from scratch at home. Restaurant meals are incredibly expensive by comparison and even convenience meals at home can be costly compared to preparing them on your own. If you can get into a routine of …

Categories: Frugality, Meals

The Risk and Reward of Generics, Store Brands, and “Best Buys”

When Sarah and I were really straining to get our finances under control, we went through a phase where we bought the cheapest versions of every food and common household product. We bought cheap coffee, cheap cereal, cheap dishwashing detergent – you name it. As we used this stuff, we found that most of it …

5 Tactics for Getting a Better Cell Phone Deal

This article first appeared on U.S. News and World Report Money. Cell phone companies want you to sign up for expensive two-year contracts. Why wouldn’t they? It’s money directly in their pocket. They’ll use every sales technique they can to get you to sign on the dotted line for a new contract. Sometimes, that contract …

Categories: Frugality