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CoLeader for Perimenopause to Menopause: What Should You Expect Team http://www.sparkpeople.com/myspark/groups_
My mother was raised during the great depression and she taught me to be incredibly frugal. She recycled before it was in fashion, never wasting an resource. I don't know what happened to my crazy sisters though. They have no money and I still have any savings I put aside for a rainy day.
I am on disability and have x amount of money each month to do everything
God grant me the serenity to change the things I can, to accept the things I cannot change, and the wisdom to know the difference.
And, I like it.... not the lack of money part. LOL
I think being frugal is a good way of using what God has given us, too.
CoLeader for Perimenopause to Menopause: What Should You Expect Team http://www.sparkpeople.com/myspark/groups_
..because I'd like to buy a house on my own and have it paid off by the time I'm 27.
I've found as I've gotten longer that I just plain old don't want more "stuff". It's just more to dust around and/or store somewhere. I'm much more of a saver, and now I get a big kick of seeing how much money I have left at the end of the month instead of vice-versa.
i was never a big spender
but with what greece is going throw
every penny counts
i have 3 kids
so every penny counts double
tomorrow will go shopping for food
will be buying allot of store brands
i saw that they have on special frozen beans
will be buying 3 bags of it
they are the 1 kg.. or 2.2 pound bags
if i add 1 kg of patatoes we have lunch
so i think we eat too much
but we are all skinny exept me
i'm on serpafar or as you call it clomid
that is all for now
keep up the good work on saving, and the frugal way
My husband and I are happy when we use coupons to eat out ( buy one get one free or $10 off)and we try to take home a "to go" for the next day. We like to get things "free" at the grocery store, too. It is fun to find useful items at the Goodwill store that still have the original tags on them. It feels great when we are able recycle cans, newspapers,cardboard,plastic bottles,glass- now that Brunswick has a recycle bin for pickup from our house. I like giving clothes away, books away, magazines away and dvd's/vhs items away.
It is important to us to be frugal and live simply, so that we can give some things to our grandchildren. It is fun to see them learning " how to be wise - in their spending".
I am so glad I found this team!!! To be with like-minded folks who care about living simply.
I grew up in Kenya where frugality was pretty much the norm for most families. My mom was a single mom with 6 kids and finances were often tight so we lived simply, frugally. And I took a lot of the frugal habits I grew up with me into my adult life by choice. I am having to become more intentionally frugal now as I have been out of work for two and a half years. Having savings (due to living frugally) has helped tremendously. But without a steady income, I recently had to liquidate my retirement and now have to make that stretch as long as possible.
That said, I do enjoy being frugal.
Regret for the things we did can be tempered by time; it is regret for the things we did not do that is inconsolable.
~ Sydney J. Harris
My Community Journal: A Journal of Simple Joys and Gratitudes www.sparkpeople.com/myspark/messageb
What a great topic!
My parents grew up extremely poor, so even though as adults, they were quite comfortable, they had a lot of frugal habits that were instilled into me. For example, never using a credit card for things that you can't pay off, restaurant meals as treats, not an everyday occurence, living below your means, etc. etc. My dad was able to retire at 52. My mom chose to work longer, but could have retired at the same time.
Now, I am quite comfortable, but I am glad I have those thrifty habits. When I was first starting out, they came in handy and really kept me out of trouble. I love being frugal because it's more satisfying to me to have money in the bank than a restaurant meal or a trinket or status symbol. And I know that since I live way below my means, if I ever lose my job, I have a cushion.
"Success is not final, failure is not fatal; it is the courage to continue that counts" - Winston Churchill
2012 Running Mileage: 2,065
Because I do not have a huge amount of income or savings. But also, because if I live frugally, I can use the money I save in some areas to purchase other needed things, or just save it. I also enjoy spending time finding great deals.
But they that wait upon the LORD shall renew their strength; they shall mount up with wings as eagles; they shall run, and not be weary; and they shall walk, and not faint.
Isaiah 40:31 KJV
"Thus saith the Lord, thy Redeemer, the Holy One of Israel; I am the Lord thy God which teacheth thee to profit, which leadeth thee by the way that thou shouldest go." Is 48:17
With living on SS it became very necessary. We seldom eat out and have found that by eating at home-we are much healthier. We do go to the Y twice weekly for exercise plus we each have a routine of exercise we do everyday at home. I have discovered the Dollar General has generic brands that do just as well as name brand items for cleaning. We are doing well at this time and hope to continue doing so.
Once you replace negative thoughts with positive ones, you'll start having positive results.
For me it is mostly a lifestyle choice, but at times it is out of necessity.
I grew up believing in
Recycling, Re-purposing, Reusing, etc.
I was taught to be frugal so that you would be able to financially support the church and others in the community, etc. I was also raised by parents who grew up during the depression era.
I have been through some financially difficult times. Times where we lived on oatmeal & cheese toasties made from "commodity" cheese. I don't know if they have that any more. It was provided free by the government.
But in the last 15 years, life has been easier financially - - until 2 years ago. Finances have been really tight. We also were assisting the family of our disabled daughter. We expect this year to better. She received written notice on Christmas Eve [day] that she had qualified for social security disability - after waiting for over 3 years. The lawyers will get a huge chunk of that money.
When you are broke, you tend to be "cheaper" than "frugal." In my mind, I include eating really healthy as part of my frugal lifestyle. that means eating fruits & veggies, etc. But, when you are broke, those items can be expensive.
Linda - North East Indiana, USA `Goal to build myself up to reach 1,000 fitness minutes per month.
Frugalists and Simple Living [co-leader]
Team Co-Leader for OSTEOARTHRITIS OF THE LOWER BACK
"To lose a healthy one pound of fat per week, all it takes is a 500-calorie deficit per day."
We live frugally out of preference, not necessity. We never bought into the keeping up with the Jonesí theory. Our footprints were small long before it was fashionable. When we want something, we save for it. Then we usually decide we donít want it and the money goes into retirement savings. We kept the very tiny home in a nice neighborhood that we bought when we married almost 30 years ago. Our style is classic so we donít spend cash on fads. A desktop computer lets us talk to and do things with each other instead of the distraction of laptops. We have dumb phones (as opposed to Smart Phones) because we donít want to pay for extra Internet service. When we need something, we check sale ads. We love reading, but only library books. Eating healthy is inexpensive because I cook most of our meals. When we eat out, we go to restaurants that serve large portions that include at least two normal size take-home meals. Itís a mystery to us why people feel joy from buying. Many try peer pressure to influence us to buy more. Sometimes itís silly things, like the time a woman in a group loudly announced that I was cheap for not buying pay per view TV movies. When they are in our home, they pretend to look for the rest of it. I spend money for a good hair stylist, good skin care products, and a relatively cheap gym. If I look good, I feel good, even if my clothes and accessories donít meet everyoneís standards. Our entertainment is inexpensive experiences and activities that we remember longer than things we buy. We have a lot of friends in all income brackets that are the most important part of our lives.
I had two sets of grandparents who had lived through The Depression era, and some of their practices were passed down to me.
I just grew up leaning toward frugality instead of wasting money.
It turned out to be good practice for times like now, where I'm really struggling moneywise.
Having about $30 for groceries (for me and my dog) every two weeks means I have to be really creative so that we both eat properly.
Considering everything, I often get criticized by a lot of people for not having the newest style cell phone (mine doesn't do anything but make and receive calls), and things like that. They don't seem to understand that I don't feel that I really need to spend a lot of money on extras -- and I definitely can't do that at the moment.
-- Kurt -- Frugalists & Simple Living Team (Co-Leader)
I've already had all the bad things thrown at me early in life, so now that those are out of the way, my future should be wonderful.
My DH and I are retired, I have a part time job, which is all I want to keep me from going nuts at home.
I enjoy the challenge of finding the best deals and keeping costs down so we can afford to do the things we enjoy.
Sheryl Ft Pierce, FL
Spring 5% Challenge Leader
Summer 5% Motivational Leader
"Being happy doesn't mean that everything is perfect. It means that you've decided to
look beyond the imperfections."
I grew up in a family that lived modestly and I never really missed what I never had. Neither did I consider us to be poor. My mother made most of our garments. When we were old enough to have a job, we saved our earnings and bought our own clothes etc. We also contributed 50% of our earnings to support our household.
Convenience food was a novelty! We cooked everything fresh and from scratch. CONVENIENCE FOODS ARE TODAYíS BUDGET BUSTERS! There is a better way and for those of us who choose to seek, we find.
When I think that it is impossible to stretch the dollar any further, I pause for reflection, get creative and then amaze myself at what I am able to accomplish! Bottom line Ö by Divine grace we always manage to manage:-)
Personally I value the frugal mindset. I grew up hearing ďWaste not Ö want notĒ and it has become integrated into every fiber of my being!!!
I learned from both my Mother and my Grandparents how to save and be frugal.
For Ever Door That Closes There is Another Door That Opens
Window Cleaner Non-Toxic
How to Steady a Wobbly Chair
My mother instilled being careful with money in me.
I grew up on a farm, knowing that everything we grow and harvest is valuable. Also, it was WAR TIME (WW2)
and things were rationed. We VALUE what we have and treasure every bit of it. This carried on. I am not stingy, I share what I have.. I am frugal.
Things are not what they seem, THEY ARE WHAT THEY ARE.
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I started on my road to frugality 19 years ago when I quit work to stay home and raise my daughter. I thought I am not bringing any money in but by golly I can save what does come in. It is a great hobby to have and I have a lot of fun doing it. Now that my husband is laid off our life style has not changed all that much and the savings and lack of debt are huge blessings for us. I am working two part time jobs now and have learned so much over the years on what I can save on but I am always happy to learn more.
At times our own light goes out and is rekindled by a spark from another person. Each of us has cause to think with deep grartitude of those who have lighted the flame within us
well i just want to hear your reasons
mine are known
my hubby out of work
worked a little in december
i 've always lived a little frugal
but at this point we are living day by day
if you read my blogs you will understand
but why are you doing it