how to save more money http://www.wisebread.com/taxonomy/term/16377/all en-US 25 Painless Ways to Save $50 This Year http://www.wisebread.com/25-painless-ways-to-save-50-this-year <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/25-painless-ways-to-save-50-this-year" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="/files/fruganomics/imagecache/250w/blog-images/8142758607_be95b991ca_z.jpg" alt="piggy bank" title="piggy bank" class="imagecache imagecache-250w" width="250" height="166" /></a> </div> </div> </div> <p>Is this the year to review and revamp your savings strategy? If so, consider making some small but tactical changes that can add up to big savings. Here are 25 painless ways to save $50 (or more) this year. (See also: <a href="http://www.wisebread.com/25-ways-to-save-5-this-week">25 Ways to Save $5 This Week</a>)</p> <h2>1. Frequent Your Local Library</h2> <p>Skip the downloads and bookstores; the library is still free. Your patronage keeps your library healthy and supports the local community.</p> <h2>2. Raise Your Deductible</h2> <p>If you&rsquo;re a safe driver and are willing to gamble a bit, consider raising your auto insurance deductible. Higher deductibles typically mean lower premiums.</p> <h2>3. Pay for Your Gas at the Pump</h2> <p>Paying at the pump saves you from the carnival of fast food and sugary wonders that await most customers inside every convenience store. Skip the temptation and save a few bucks while you&rsquo;re at it.</p> <h2>4. Check Your PMI</h2> <p>PMI, or Private Mortgage Insurance, is an extra fee assessed to every mortgagor who puts down less than 20% on the purchase of their home. However, when a homeowner&rsquo;s loan-to-value ratio reaches 80%, the PMI charges should no longer apply. Trouble is, mortgage companies aren&rsquo;t particularly inclined to voluntarily stop the fees. Check with you lender to see if should still be paying for PMI.</p> <h2>5. Brew Your Own Coffee</h2> <p><a href="http://www.wisebread.com/better-brewing-12-ways-to-make-coffee-at-home">Brewing your own coffee</a> can save time and money. After awhile you&rsquo;ll wonder why you ever suffered through those long lines only to fork over $3 for a 50 cent cup of joe.</p> <h2>6. Skip the Drive-Thru</h2> <p>Nothing suspends good judgment like hunger. Avoid hitting the road on an empty stomach and being tempted at the drive-thru. Those glossy photos of combo meals combined with super-sized options won&rsquo;t do your waistline or wallet any favors.</p> <h2>7. Renegotiate Your Cell Phone Plan</h2> <p>Cell phone companies restructure their plans all the time to stay competitive. Call your provider to see if there&rsquo;s a plan that will give you similar services with a lower price tag. If you&rsquo;re near the end of a contract period, use it as leverage as you negotiate a new contract or move to a month-to-month rate.</p> <h2>8. Travel Light</h2> <p>Checked baggage fees aren&rsquo;t going away any time soon. When you fly, skip the extra charges by <a href="http://www.wisebread.com/vacation-hack-7-tips-for-single-bag-travel">packing strategically using only a carry-on</a>.</p> <h2>9. Shop Second Hand</h2> <p>Check out your local thrift store and discover the bargains that await in nearly every department. In most cases, your business will help local charities and keep your consumer dollars at home.</p> <h2>10. Let Your Garden Grow</h2> <p>Growing a bit of your own food can save some serious cash. Take a look at the fruits, veggies, and herbs you eat most often. Do you have room to grow some yourself?</p> <h2>11. Un-Bottle Your Water</h2> <p>Bottled water is a bummer for budgets and for the environment. Pick up a simple filtering system (or go rogue with tap water) and &quot;make&quot; your own.</p> <h2>12. Turn Off the TV</h2> <p>A great person once said &quot;What television proposed, the mall disposed.&quot; Commercials and even regular programming are designed to make us <em>want</em>. Flipping off the TV is a revolutionary (and ultimately, a money saving) act. Flip open a good book instead.</p> <h2>13. Cancel That Gym Membership</h2> <p>Have a lingering health club membership that you don&rsquo;t use but never get around to canceling? Redirect that cash to a Roth IRA and build your money muscle.</p> <h2>14. Carpool</h2> <p>Ridesharing of any kind helps save money on fuel, tolls, and wear-and-tear. Set up a carpool program at work or with friends who have similar schedules and save some serious cash by year&rsquo;s end.</p> <h2>15. Go to Matinees</h2> <p>Want to rekindle the exhilaration of playing hooky as a kid? See a matinee in the middle of the week. Matinees are a great way to reclaim part of your day &mdash; at a much lower admission price.</p> <h2>16. Celebrate Small</h2> <p>Does it seem like holidays have gotten out of control? From Valentine&rsquo;s Day to Halloween and Christmas, folks are spending like crazy on decorations, supplies, or gifts. Scale back, set a budget, and give the gift of less stress.</p> <h2>17. Mow Your Own Lawn</h2> <p>Industrious school kids may hate me for suggesting it, but mowing our own lawns and shoveling our own sidewalks is great exercise. Cut back on expenditures by adopting a do-it-yourself attitude this year.</p> <h2>18. Stay In</h2> <p>Make one date night a month a night to stay in together. Rent a movie and cook up some romance in the kitchen.</p> <h2>19. Go Generic</h2> <p>The labels might be ugly, but the savings are beautiful. If you haven&rsquo;t already, compare your favorite brands to their generic equivalents. Is there a noticeable difference that&rsquo;s worth the brand name up charge?</p> <h2>20. Dry Clean Less</h2> <p>Dry cleaning taxes our wallets and the environment. As you replenish your wardrobe throughout the year, gravitate toward clothes that don&rsquo;t require dry cleaning.</p> <h2>21. Pack a Lunch</h2> <p>It&rsquo;s common to pack to a lunch for school, work, or a picnic. But why not <a href="http://www.wisebread.com/creating-cheap-healthy-work-lunches">consider brown-bagging</a> it for a road trip, long commute, or any other time when you&rsquo;d normally have to eat out? It can save time, calories, and a few bucks, too.</p> <h2>22. Reevaluate Your Cable Service</h2> <p>Believe it or not, a few cable companies are actually customer focused. Making a simple phone call to explore discounts, bundling deals, or promotional offers can sometimes save you cash. Often, just the threat of losing a customer will prompt some companies to give you a temporary deal on rates.</p> <h2>23. Use Cruise Control</h2> <p>If long commutes are part of your routine, depend on cruise control to keep you safely within posted speed limits. These days, one ticket avoided is hundreds saved!</p> <h2>24. Empty That Storage Space</h2> <p>Extra space is great when we&rsquo;re in transition due to a big move or downsizing, but many of us keep paying rent to storage facilities long after we need to. Resolve to <a href="http://www.wisebread.com/7-reasons-why-self-storage-is-a-really-bad-idea">clear out your storage space</a>, move to a smaller unit, or reorganize your home to get that monthly hit off the books.</p> <h2>25. Watch Your ATM Fees</h2> <p>ATM fees can add up quickly and are really just a convenience tax. Draw a line in the sand and make 2013 the year you say &quot;no&quot; to these charges. Organize your withdrawals so you&rsquo;re using an in-network ATM or withdraw larger sums after each pay cycle so you always have cash on-hand.</p> <p><em>What&rsquo;s your way to save in 2013? What tips have I missed that can help our readers save $50 or more this year? Let's crowd source some ideas below!</em>&nbsp;</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kentin-waits">Kentin Waits</a> of <a href="http://www.wisebread.com/25-painless-ways-to-save-50-this-year">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/lower-your-credit-card-interest-rate-and-reduce-your-phone-bill-immediately-and-easily">Lower Your Credit Card Interest Rate and Reduce Your Phone Bill, Immediately and Easily</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-slow-bleed-plugging-your-financial-leaks">The Slow Bleed: Plugging Your Financial Leaks</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-frugal-tips-you-haven-t-already-heard">10 Frugal Tips You Haven’t Already Heard</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/51-uses-for-coca-cola-the-ultimate-list">51 Uses for Coca-Cola – the Ultimate List</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-cheap-ways-to-make-your-car-look-awesome">12 Cheap Ways to Make Your Car Look Awesome</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living how to save more money how to spend $50 lower bills Thu, 31 Jan 2013 11:36:36 +0000 Kentin Waits 967452 at http://www.wisebread.com 25 Ways to Save $5 This Week http://www.wisebread.com/25-ways-to-save-5-this-week <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/25-ways-to-save-5-this-week" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="/files/fruganomics/imagecache/250w/blog-images/2468623574_d3cfe2269e_z.jpg" alt="piggy bank" title="piggy bank" class="imagecache imagecache-250w" width="250" height="188" /></a> </div> </div> </div> <p>If you've been sliding on your New Year&rsquo;s resolution to save more money, let this post help you get back on track.</p> <p>Don&rsquo;t beat yourself up about not sending X amount of dollars a month to your savings account because you overspent, didn&rsquo;t make enough, or just plain forgot. Instead, remember that by keeping the goal small and manageable, you&rsquo;re more likely to reach it. These tips on how to cut $5 out of your budget every week will allow you to send that extra cash to savings. It&rsquo;s not a lofty goal, and it&rsquo;s one spread out over the entire year, so you don&rsquo;t burden yourself with the pressure of coming up with the extra savings all at once.</p> <p>If you&rsquo;re a real go-getter, double up on these ideas in one week and send $10. Either way, time to start saving today. Here&rsquo;s how. (See also: <a href="http://www.wisebread.com/37-savings-changes-you-can-make-today">37 Savings Changes You&nbsp;Can Make Today</a>)</p> <h2>1. Skip the Starbucks</h2> <p>Cut out at least one trip to the coffee shop this week and set aside however much your favorite drink normally costs.</p> <h2>2. Roll Loose Change</h2> <p>If you&rsquo;ve been <a href="http://www.wisebread.com/best-ways-to-count-and-cash-in-your-change">saving change in a jar</a>, roll at least $5 and stash it away.</p> <h2>3. Start Carpooling</h2> <p>If you have a coworker who lives nearby, suggest that you carpool to work. Given current gas prices, you&rsquo;ll probably save more than $5 in unused gas, so maybe you can put a little extra into your savings this week. Be sure to return the favor of chauffer service to your coworker next week.</p> <h2>4. Stay in This Weekend</h2> <p>I know it&rsquo;s tough, but one weekend a year in won&rsquo;t kill you. Think of the money (and morning headache) you&rsquo;ll save.</p> <h2>5. Sell Something Online</h2> <p>Find something of value that you no longer need, and list it on eBay, Amazon, or Craigslist for an influx of quick cash.</p> <h2>6. Take Your Lunch to Work</h2> <p>Many of us do this already, but even if you eat out for lunch just once a week you&rsquo;re spending money that you could be saving. <a href="http://www.wisebread.com/creating-cheap-healthy-work-lunches">Bring your lunch</a> all five days and put that $5 savings away for a rainy day.</p> <h2>7. Just Say No to Takeout and Delivery</h2> <p>On a night that you normally order delivery, opt instead to make a frugal homemade meal to save at least $5.</p> <h2>8. Work an Extra Hour</h2> <p>If you get paid by the hour, stay one hour longer this week. You&rsquo;ll reach your savings goal for the week plus have a little extra money left over.</p> <h2>9. Quit Smoking for a Day or Two</h2> <p>If you&rsquo;re a smoker, try to cut out one pack of cigarettes by not smoking for a day or two. With cigarettes at least $5 a pack in most of the country, you&rsquo;ll meet your goal and be a little healthier for it.</p> <h2>10. Take a Trip to the Recycling Center</h2> <p>If you have bottles, cans, or scrap metal in abundance, take it to the local recycling center to cash it in.</p> <h2>11. Avoid &quot;On Demand&quot; Movies</h2> <p>Most of these movies are in the area of $5. Buying one less this week (or none at all) will keep your wallet full.</p> <h2>12. Stay Away From Office Snacks</h2> <p>Steer clear of the vending machines in your office this week to stay on the straight and narrow path to savings.</p> <h2>13. Clip Coupons</h2> <p>If you have to pick up groceries this week, scour the coupon circulars for discounts you can use to save money at the market.</p> <h2>14. Use Online Discounts</h2> <p>Before you make an online purchase, search for a discount code like free shipping or a percentage off before you click on the buy button.</p> <h2>15. Return a Christmas Gift</h2> <p>Did you receive something you don&rsquo;t really need or want this holiday season? If you have a receipt, return it for cold, hard cash.</p> <h2>16. Bike Around Town</h2> <p>Put your car in park and bike to nearby destinations instead of driving. Do this for a week and you&rsquo;ll definitely save at least $5 worth of gas.</p> <h2>17. Turn Down the Heat</h2> <p>If you&rsquo;ve got the heat on full blast, turn it off this week and bundle up in extra layers when you&rsquo;re hanging out at home.</p> <h2>18. Pick Up a One-Off Side Gig</h2> <p>Offer to walk a friend&rsquo;s dogs or clean someone&rsquo;s apartment for a little extra cash, a portion of which you send to savings.</p> <h2>19. Scratch an Item Off Your Grocery List</h2> <p>Milk, for instance, is getting expensive. To save $5 this week, look at your grocery list to see what you can live without for the next seven days.</p> <h2>20. Visit the Pawn Shop</h2> <p>Have something in which a pawnbroker may be interested? Stop by your local pawnshop and try to unload your goods for a satisfying fee.</p> <h2>21. Set Up Shop on the Street</h2> <p>Offering snacks and drinks to motorist in busy areas &mdash; think bottled water, chips, and candy &mdash; can make you a pocketful of cash in just a couple hours. You might make enough to meet your savings goals for the next few weeks.</p> <h2>22. Go Scavenging</h2> <p>Just walking around town can yield you extra cash. On your trek, you&rsquo;re likely to find loose change, discarded items that you can sell, and lots of recyclables that you can collect to exchange for cash.</p> <h2>23. Sell Unwanted Gift Cards</h2> <p>There are plenty of sites that will buy your old gift cards, like <a href="http://cardcash.com/">CardCash.com</a> and <a href="http://www.giftcardgranny.com/">GiftCardGranny.com</a>, to name a couple. You won&rsquo;t get face value for them, but these sites pay up to 92% of the original value. Should be enough to meet your savings goal for at least a couple weeks.</p> <h2>24. Refrain From Drinking Alcohol</h2> <p>It costs $5 for a beer most places these days, so even one less drink this week will help you meet your goal. Go the entire week without imbibing and you&rsquo;ll save a lot more.</p> <h2>25. See a Matinee Movie</h2> <p>You don&rsquo;t have to eliminate fun entirely to save $5. But if you want to <a href="http://www.wisebread.com/how-to-watch-movies-in-the-theater-for-free">see a movie</a>, try to see the matinee show (usually before noon) to save on your ticket.</p> <p><em>Have even more ways to save $5 this week? Let me know your suggestion in the comments below.</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/25-ways-to-save-5-this-week">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/save-more-by-avoiding-multiple-bank-accounts">Save More by Avoiding Multiple Bank Accounts</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-easy-ways-to-save-for-your-dream-vacation">15 Easy Ways to Save for Your Dream Vacation</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-pay-down-100-worth-of-debt-this-week">How to Pay Down $100 Worth of Debt This Week</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/evolve-your-money-management-beyond-the-budget">Evolve Your Money Management Beyond the Budget</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/38-ways-to-save-money-without-trying-much">38 Ways to Save Money Without Trying (Much)</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Extra Income frugal changes how to save more money saving strategies Wed, 23 Jan 2013 11:36:36 +0000 Mikey Rox 965681 at http://www.wisebread.com 10 Frugal Tips You Haven’t Already Heard http://www.wisebread.com/10-frugal-tips-you-haven-t-already-heard <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-frugal-tips-you-haven-t-already-heard" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="/files/fruganomics/imagecache/250w/blog-images/2671759444_3714695b3f_z.jpg" alt="clothing rack" title="clothing rack" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>If you&rsquo;re a regular reader of my posts or Wise Bread in general, you already have a pretty good education on how to live a frugal lifestyle &mdash; the basics, if you will. Now it&rsquo;s time for the advanced course. That&rsquo;s why I&rsquo;ve dug deep into my bank of frugal knowledge to pull out these money-saving nuggets. Peep the gems below and start saving savvier than ever before. (See also: <a href="http://www.wisebread.com/25-frugal-changes-you-can-make-today">25 Frugal Changes You&nbsp;Can Make Today</a>)</p> <h3>1. Put Something Back Every Time You Shop</h3> <p>This tip is especially good to remember at the supermarket &mdash; save money and guilt by putting back that bag of chips &mdash; but it can work wherever you&rsquo;re shopping. If you find yourself with an arm full of new shirts and pants at your favorite store, give one of them back to the associate at checkout. When you&rsquo;re at Target, just say no to at least one of the things in your cart that you definitely don&rsquo;t need. You can even institute this rule when you&rsquo;re Christmas shopping &mdash; one of those presents is probably for yourself; put it back, and wait to see what Santa has in store for you.</p> <h3>2. Treat Frugal Living Like Staying Healthy</h3> <p>Exercise and eating right is an uphill battle for me, but it&rsquo;s one that I&rsquo;m committed to fighting. When I fall off the wagon, I don't give up my hopes of rock-hard abs, throbbing biceps, and bouncing pecs. Rather, I get back in the gym and work a little harder. Treat living frugally the same way. There will be times when you give in to temptation. It&rsquo;s OK. Just try not to make it a habit, and try to make up for your mistake somehow.</p> <h3>3. Look at Your Credit Reports Annually</h3> <p>Many of us only look at our credit reports when we&rsquo;re prompted to &mdash; applying for a new apartment or making a big purchase &mdash; but you should stay up to date on your financial status regardless. We&rsquo;re all entitled to one free report per year, and you should take advantage of it. It&rsquo;s beneficial to know where you stand, so you know what you can qualify for when it comes time to make those big purchases. It&rsquo;s also a good practice so you can be sure that your identity hasn&rsquo;t been compromised in any way.</p> <h3>4. Calculate the Cost Per Wear Before Buying New Clothes</h3> <p>The theory goes that you should divide the price of the clothing item by the amount of times you plan to wear the piece to find the cost per wear (CPW). The general consensus seems to suggest that the cost per wear should be around $3. You can get that lower, of course, by buying cheaper clothes (or finding better deals at least) and wearing them more often.</p> <h3>5. Institute a Self-Audit Every Three Months</h3> <p>Evaluating your budget every 12 months is problematic because you could have cut out unnecessary items 10 months ago, resulting in an extra 10 months worth of savings. To keep yourself on the right track more consistently, schedule a self-audit every three months. See where you&rsquo;re at with regards to your income, your savings, and how much you&rsquo;re spending, and make moves to eliminate expenses you don&rsquo;t need. This a good time to set goals, too; it&rsquo;s been proven that shorter-term goals are easier to achieve than long-term goals.</p> <h3>6. Establish a Frugal Buddy System</h3> <p>I mentioned earlier than keeping to a frugal lifestyle is like living a physically healthy lifestyle &mdash; it&rsquo;s hard, it takes work, and sometimes you&rsquo;ll fail at it. But you&rsquo;ll have a much better chance of success if you have a frugal buddy on whom to rely. This person (preferably someone with the same frugal goals as you) will be the shoulder you need to lean on in times of weakness. They&rsquo;re the friend who will tell you that you don&rsquo;t need that cashmere sweater. And they&rsquo;ll be the one who sits at home with you on a frugal Friday night watching TV movies while all your other friends are out eating and drinking their paychecks away.&nbsp;</p> <h3>7. Less Is More &mdash; Sometimes Much More (Than You Need)</h3> <p>So many self-proclaimed frugalists fall into this trap (myself included) &mdash; just because you have a coupon doesn&rsquo;t mean you should buy whatever the coupon is for. Coupons save you money on things you need, sure, but they&rsquo;re a marketing gimmick first and foremost to get you to purchase the manufacturer&rsquo;s product. You&rsquo;re not saving any money if you&rsquo;re buying something you don&rsquo;t need, even if it&rsquo;s at a steep discount. Before using that coupon, ask yourself, &quot;Do I really need this?&quot; If the answer is no, do not buy it. Remember that those purchases that you think are super deals add up over the course of a year. When you don&rsquo;t use the item, it&rsquo;s wasted money no matter how little it cost.&nbsp;</p> <h3>8. Eliminate Most Disposable Products From Your Life&nbsp;</h3> <p>This will not be easy by any means &mdash; we love convenience, but we also have to pay for convenience. If you want to save a sizeable chunk of change, make it a rule to stay away from most products that cannot be cleaned and reused many times. This includes paper and plastic plates and dinnerware, paper towels, sponges, and many other kitchen, bathroom, and around-the-house items that make our lives easier because <a href="http://www.wisebread.com/21-disposable-products-you-can-reuse">we can throw them away</a>.</p> <h3>9. Start a 30-Day No-Buy List to Curb Impulse Buys</h3> <p>I can&rsquo;t say that I always stick to this tip, but I do try my best. The concept is simple &mdash; when you&rsquo;re browsing online or even in person and come across something that you just have to have, stop for a minute, breathe, and pull out your list. Add the item to the list, and let it sit there for 30 days. If you still want it after 30 days, buy it (you should use that 30 day grace period to save up for it), but chances are &mdash; and this is the nature of <a href="http://www.wisebread.com/9-simple-ways-to-stop-impulse-buying">impulse buys</a> &mdash; you won&rsquo;t want it anymore when day 30 comes to pass.</p> <h3>10. Active Living Is Cheaper Living</h3> <p>The more time you spend working on your health and fitness, the less time you&rsquo;ll have to shop, go out to eat, hit the bar, go to the movies, and otherwise spend, spend, spend. There&rsquo;s no downside to this method of frugal living either; not only will you be healthier with a better body to show for it, but your savings account should enjoy an influx of funds. Staying active doesn&rsquo;t have to cost a dime &mdash; you can workout outside or at home (invite your frugal buddy over and make it a team effort) &mdash; and contrary to popular belief, eating healthier doesn&rsquo;t have to be expensive. Many people will disagree with that, but I&rsquo;m living proof. Before I started planning out a weekly meal calendar with healthy recipes, <a href="http://www.wisebread.com/3-reasons-why-buying-groceries-online-is-great">buying my groceries online</a>, and sticking strictly to my list of ingredients, I was spending almost twice as much at the grocery store, going through every aisle, and putting in my cart my list items plus a few extras. Give it a try, and let me know how you fare.</p> <p><em>Do you have a frugal tip that you think most of us haven&rsquo;t heard of? I&rsquo;d love to learn about it. Let me know in the comments below. </em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/10-frugal-tips-you-haven-t-already-heard">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/25-painless-ways-to-save-50-this-year">25 Painless Ways to Save $50 This Year</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/51-uses-for-coca-cola-the-ultimate-list">51 Uses for Coca-Cola – the Ultimate List</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-cheap-ways-to-make-your-car-look-awesome">12 Cheap Ways to Make Your Car Look Awesome</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/pesky-pests-easy-homemade-mosquito-and-insect-traps-and-repellent">Pesky Pests: Easy Homemade Mosquito and Insect Traps and Repellent</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/tasty-treats-to-make-with-mulberries">Tasty Treats to Make With Mulberries</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living healthy living how to be frugal how to save more money Mon, 26 Nov 2012 11:36:31 +0000 Mikey Rox 955602 at http://www.wisebread.com