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Frugal Fashion: How to Look Stylish Without Overspending

October 8, 2025 By: Sweet Frugal Lifecomment

Stay trendy without having to spend a lot of money on clothes

You don’t need a designer wardrobe—or a huge budget—to look stylish. With the right mindset and a few smart tricks, you can create outfits that look polished, trendy, and totally “you,” all while sticking to your frugal values. Fashion on a budget isn’t about settling for less; it’s about being creative, intentional, and confident in your choices.

Here’s a few ideas about how to look stylish without overspending.

1. Start With What You Already Have

Before buying anything new, take a good look at what’s already in your closet. Most of us wear only a small percentage of our clothes regularly. To stay trendy while on a budget, try pulling all of your clothes out of your closet, try everything on and then mix and match a few items to make some new outfits.

Pro tip: Look for new outfit combinations you’ve never tried—layering, tucking, or adding accessories can make old pieces feel brand new.

2. Build a Capsule Wardrobe

Have you tried a capsule wardrobe? It is one of the best frugal fashion tips out there!

A capsule wardrobe is a small collection of versatile, mix-and-match pieces you love and actually wear. Choose neutral basics—like jeans, white tees, and black pants—and add a few statement pieces that show your personality.

Building a capsule wardrobe saves you from having to buy a lot of unnecessary clothing, but gives you enough trendy outfits that mix and match well to keep your clothing feel fresh and new.

When your clothes all work together, you’ll feel like you have more outfits with less clothing.

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3. Shop Secondhand (It’s the Secret Weapon of Frugal Fashionistas)

It’s no secret that I love me a good thrift run.

Thrift stores, consignment shops, and online resale apps like Poshmark, ThredUp, and Mercari are gold mines for quality clothing at a fraction of retail prices.

You can find brand-name jeans, jackets, and even designer handbags for a small portion of what they cost new. And when you thrift, you’re helping the planet too—win-win!

Just remember not to get frustrated if you stop by a thrift store and can’t find anything that matches your style. That’s normal!

Thrifting takes a lot of time and patience. It’s very hit or miss. Keep checking the second hand stores regularly. You’ll find some treasures if you keep looking!

4. Learn the Art of Timing Sales

If you prefer to only buy new clothing, no worries! There’s still some ways to stay trendy and frugal.

I highly suggest to plan your clothing purchases around sales cycles. Most retailers have predictable markdown schedules, some of the best times to buy new clothing for a discount is during end of season, holidays, and especially January and July clearance events.

Tip: Add items to your online cart and wait a few days—many stores will send you a discount code to encourage you to check out.

  • Related: Seasonal Sales Cycles: What To Buy Each Month For The Best Deal

5. Invest in Quality Basics

Something important to remember is that being frugal doesn’t mean always buying the cheapest item. A $15 pair of jeans that wears out in three months isn’t going to be the best bargain. Focus your spending on classic, well-made basics that last—like good jeans, solid shoes, and a timeless jacket.

These staples form the foundation of your wardrobe, so everything else can be swapped in and out more easily.

6. Accessorize to Refresh Your Look

Another great way to stay fashionable on a budget is to accessorize!

Accessories are the easiest way to update your style without buying new clothes. A scarf, belt, hat, or bold necklace can instantly change the vibe of an outfit, making you feel like you’re wearing a completely new outfit-without having to spend the money for it!

Frugal tip: Rotate accessories seasonally—pack away winter scarves when summer hits so you appreciate them again next year.

7. DIY and Upcycle

If you’re crafty (or even a little bit adventurous), try repurposing older clothes. You could cut jeans into shorts, crop a sweatshirt, or dye a faded shirt a new color. You’ll have a whole new wardrobe for completely free! And we love free!

There are endless tutorials online for easy fashion DIY projects that cost almost nothing but make your wardrobe feel fresh again.

8. Follow Fashion Creators Who Focus on Realistic Style

Social media can inspire you—or make you feel like you need a whole new wardrobe every season. Follow creators who focus on budget-friendly fashion, thrifting hauls, or capsule wardrobes. They’ll give you outfit ideas you can recreate with what you already have. I personally love Penny Pincher Fashion and Looking Fly on a Dime.

And on that same note, don’t be afraid of unfollowing creators that tempt you to spend more money.

  • Related: How To Save Money At Target

9. Take Care of What You Own

Extending the life of your clothing will make it so that you don’t have to buy new clothing as often. The more you care for your clothes, the longer they will last. Remember to wash your clothing in cold water, air dry as much as possible, and store items properly. Even simple habits like folding sweaters instead of hanging them can make a big difference.

10. Get Cashback When Shopping Online

If you are going to buy clothing online, make sure to do it through the Rakuten app. Rakuten gives cashback on purchases you make online. Most online stores are available through the Rakuten app, and the amount of cashback can vary from 1% all the way up to 15% or more!

My rule of thumb is that if you are going to spend money on something anyways, than you might as well be earning a little extra cash while you’re at it!

Rakuten has an amazing new member incentive! You will receive a bonus $30 cashback after you spend your first $30 through the app!

  • Join Rakuten here and earn $30 bonus cashback!

11. Confidence Is the Best Accessory

At the end of the day, the most stylish people aren’t always the ones wearing the most expensive clothes—they’re the ones who wear their outfits with confidence. Own your look, and you’ll always appear put together, no matter what’s on the price tag.

In Conclusion

Frugal fashion isn’t about giving up style—it’s about being smart, resourceful, and creative. When you mix secondhand finds, thoughtful basics, and confidence, you can build a wardrobe you love without spending a fortune.

So next time you feel tempted to splurge on the latest trend, remember: true style isn’t about money—it’s about making what you have look and feel like you. You’ve got this!

Related Articles

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  • How To Save Money On Kids Clothes
  • How To Live Frugally

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It’s totally possible to be frugal and fashionable!

How to Grocery Shop Smarter: Buying Groceries On a Budget

September 26, 2025 By: Sweet Frugal Lifecomment

Easy Ways To Save Money On Groceries

If it feels like your grocery bill keeps climbing no matter what you do, you’re not alone. I feel this too! It’s no secret that food prices have gone up and continue to rise. This can feel discouraging, especially when you are buying groceries while on a budget. The good news is that you can still take control of your grocery spending with some simple frugal habits. Here are some easy ways to save money on groceries, and still eat well.

1. Make A Plan

Impulse shopping is one of the biggest grocery budget busters. This is why it’s so important that before you go to the store, you make a meal plan for the week and write down exactly what you need to buy. A grocery trip without a plan and a list is a recipe for overspending.

When making your meal plan, I highly recommend shopping your pantry first. This is easily done by browsing your pantry, cupboards and fridge and planning your meals based on items you already have at home.

2. Embrace Store Brands

Do not be afraid of buying store brand items. They usually come from the same manufacturers as name brands, just without the fancy packaging. Swapping even half of your cart for store brand foods can easily shave $20 off your weekly bill.

  • Related: My Favorite Generic Products That Are Even Better Than Name Brand

3. Buy In Bulk (Smartly)

Buying groceries in bulk can save a lot of money, when it’s done correctly. Buying bulk non perishables can be a great way to stock up your pantry for cheap. But remember that just because an item is in bulk, doesn’t always mean it will be the cheapest price. Make sure to calculate the price/unit before making a purchase, so you can be confident that you are getting the best price.

4. Shop The Sales

Instead of planning meals and then shopping, try shopping what’s on sale first. Stock up on meat, pantry staples, or frozen goods when they are at their lowest prices, and then plan your meals around those items.

Not sure when things go on sale? Be sure to check the weekly deals by using the free Flipp app. You can also plan ahead by knowing the sales cycles.

5. Use Digital Coupons and Cashback Apps

Long gone are the days when you have to spend hours looking through newspapers and cutting out coupons. Now, most grocery stores offer digital coupons right through their apps.

Make sure to pair those coupons with cashback apps like Ibotta to get an even bigger savings!

6. Rethink Convenience Foods

When you are buying groceries on a budget you really need to rethink the amount of convenience foods you are purchasing. Pre-cut fruit, bagged salads, shredded cheese, and single-serve snacks cost more per ounce. If you’re willing to do a little extra prep at home, you’ll save significantly. For example, shredding your own block of cheese can save $1-$2 every single time. This is big savings and will add up quickly!

  • Related: Best Ways To Store Produce To Keep It Fresh Longer

7. Eat More Plant-Based Meals

You don’t have to be a vegetarian to eat more plant based meals. Try swapping a couple of meat-heavy meals for bean, lentil, or veggie based recipes, and you will begin to save money on groceries. Some good options to try are meals like chili, stir-fry, or pasta with beans; these are all hearty, healthy and cheap meals.

8. Watch The Price Per Unit

Like I mentioned earlier when talking about buying in bulk, that giant box of cereal may not be the best deal if you look at the price per ounce. Stores list unit prices on the shelf tags-use them to compare products and sizes. Sometimes the smaller package is actually cheaper!

  • Related: 15 Easy Pantry Dinner Ideas

9. Shop Seasonal and Local Produce

Strawberries in December will cost a fortune, but apples in the fall are abundant and cheap. Buy produce when it’s in season, and consider shopping local farmers’ markets for better prices (especially at the end of the day, when sellers discount leftovers).

10. Don’t Shop Hungry

I know this sounds simple, but it truly can make a big difference. Shopping while hungry can lead to impulse purchases, especially of expensive items like snacks and ready-to-eat foods. Make sure you eat before you shop and your wallet will be much happier!

In Conclusion

Buying groceries while on a budget is doable! With a little planning, smart substitutions, and mindful shopping habits, you can cut costs without sacrificing nutrition or flavor. Start with just one or two of these frugal hacks, and you’ll see your grocery bill shrink–giving you more breathing room in your budget.

Related Articles:

  • Cheap Foods to Buy For a Well Stocked Pantry
  • Easy Food Substitutions To Save Money

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It is possible to buy groceries while on a budget!

Best Side Hustles For Stay At Home Moms

September 2, 2025 By: Sweet Frugal Lifecomment

How to earn money from home!

I have been so lucky to have been able to spend the past 20 years at home with my kids.  Being a stay at home mom is a job I always dreamed of, and I am definitely living my dream!  But, as my kids have grown older and I have had more free time, I have been looking for ways to earn a little extra income, without having to give up my time with my kids.  If you are in a similar situation as me, wanting to stay home with your kids, but are also wondering how to earn money from home, this article is for you!  I brainstormed a list of the best side hustles for stay at home moms, and I hope they help!

The best thing about this list is that these jobs are for anyone who wants to work part time out of their home.  Many of these can be done in the evenings or on weekends while you are still working a full time job.

This article contains affiliate links.  I will receive a commission off of purchases made through my links.

1.  Clean Businesses or Homes

A great way to make money as a stay at home mom is to hire yourself out to clean local businesses or homes.  Many businesses will need to be cleaned after office hours, which is perfect for stay at home moms because this mean you might be able to leave your kids at home with your husband once he gets home from work while you go clean.  This is also a good option for those needing to earn money after their day job is done.

You can easily market yourself on Facebook Marketplace, just post in a local group that you are available to clean and when.  There are also a few cleaning companies you could call and ask if they are needing another cleaner.

This is actually my side hustle.  I have been cleaning two AirBnb Rentals for the past year and actually really enjoy it!

I stick my earbuds in, listen to my favorite podcasts or a new book and clean away.  It’s good money and fairly easy work.  I’ve also been given permission to bring my kids with me, so I give them little jobs to help with and pay them for their help!  It’s been a great experience for all of us!

2.  Ebay Reseller

Do you like to thrift shop???  Why not turn that hobby into a part time job?  Look for brand name items at local thrift stores or garage sales and resell them on ebay.

Before buying anything remember to do a quick check on eBay to see how much money similar items are selling for, this should give you an idea of what is a good buy or not.

I’ve sold items here and there on eBay, but never consistently.  If you are interested in learning more, I found a fantastic article that can help get you started!

  • Related: How To Sell Your Stuff Online

3.  AirBnb Hosting

I first learned about AirBnb Hosting from the lovely Jamie at Fly By The Seat of Our Pants.  Her family travels constantly, and they have learned to rent out their home using AirBnb while they are on vacation!  This has given them the ability to EARN money while they are on vacation!  I mean seriously, can it get any better than that????

I’ll be honest, when I first heard Jamie talk about letting strangers come stay at their house while they go on vacation, I was not on board.  But, the more I have learned from her, the more that I can see it is in fact a GREAT way to earn an extra income.  If you’re like me and have questions about how she makes it all work, check out her post Secrets of an AirBnb Host-FAQ of Renting our Home. She explains it all so well!

 

4.  VIP Kid

VIP Kid is currently one of the most popular work from home jobs, and for good reason!  The company is super easy to work with and hires most of their applicants!

This job sounds so fun because you get to sit at your computer while teaching English to kids all over the world!  If you are a teacher at heart, this is the job for you.

The best part is that all of the work is already done for you!  The lesson plans are all prepared, your job is just to teach it!

They do require you have some experience working with kids and a bachelors degree.  But!  It doesn’t matter what your degree is in!  (whoo!)

5.  Babysit Kids in Your Home

If you are already at home taking care of your own kids, why not offer to babysit a few other kids.  This is an easy way to earn an extra income, while doing what you would be doing anyways!

If a full time daycare feels like to much, consider just watching one child a couple of times a week.  I constantly see posts on Facebook Marketplace of parents wanting to find a part time sitter for their child.  Check there first!

6.  Blogging

Hello blogging! I fell in love with blogging last year when I decided, completely on a whim, to start this little blog.  I’ve always had a love of writing and being able to do that while being a full time stay at home mom felt like the perfect fit.

I’ve learned a lot over the past year and made a lot of mistakes at the same time.  But, you know what.  All of the ups and downs have been so worth it!  I love getting to do what I love from the comfort of my home.

Feel free to reach out to me if you have any questions about getting started blogging!  It’s a long road, made much easier with a support system.

  • Related:  How Do Bloggers Make Money

7.  Open an Etsy Shop

Do you love to craft or create?  Consider opening an Etsy shop to sell your handmade items.  We all have the ability to create something to share with the world.

Maybe your shop would be crafts, or jewelry.  It might even be graphic design or printables….the sky is the limit!  Spend a few minutes searching through Etsy to get some ideas for your own shop.

8.  Teach a Service

Do you have a skill you could teach to others?  I bet you do!

A few years ago I was a piano teacher (until I retired for personal reasons).  I loved having the ability to pick my own schedule and teach right out of my home.

What skills could you teach to others?  Maybe you could teach music, sewing, gardening, art, or cooking.

It would be fun to create a summer camp and focus on teaching for a few weeks straight if you don’t want to commit to something long term.

You could even teach through Zoom, Skype, etc.

9.  Photography

Do you like to take pictures?  Why don’t you turn it into a business!  All of the photographers I use are stay at home moms, and they are fantastic!

This side hustle will require some upfront costs as you invest in a camera and possibly some equipment.  But, it might be worth it if this is something you feel passionate about.

Do some research online and learn about what it takes to start a photography business to help you decide if this is the right fit for you or not.

10.  Refurbish Old Furniture

Refurbishing old furniture might feel a little daunting at first, but once you get going with it it’s actually really not that hard!!

Search thrift stores, estate sales and garage sales for old furniture and when you find a cheap price on a nice piece, snatch it up.

The trick is to look for the POTENTIAL!  Try to see beyond the yellow oak stain, the scratches and nicks and imagine the beauty the furniture could be.  Be sure to BARTER if you’re at a garage sale (always).

You can find hundreds of YouTube video tutorials all about how to refurbish old furniture!

Once you’re done fixing it up, list the item for sale, Facebook Marketplace works great, and enjoy the profit you’ll make!

I actually LOVE buying from people who have fixed up old furniture.  I love the look of it, but don’t like putting in the work.  So, you never know….I just might be your first customer!  😉

11.  Become a Virtual Assistant

Becoming a virtual assistant is easy!  All you need is motivation and a computer!  Virtual assistants work from home while assisting companies with social media, blogging, editing, e-mailing and more.

This job is wide open to whatever the company needs from you to keep their business thriving.  I have heard SO many good things about being a virtual assistant, and have considered it myself!

If you are interested in becoming a virtual assistant, I recommend joining a few Virtual Assistant Facebook groups.  These will be a great resource for you to ask questions and network.

12.  Tutoring

There have been times (actually many, many times) when I would be willing to PAY someone to help my daughter with her math homework.  I just don’t do math!

If I knew of a stay at home mom who would be willing to tutor my daughter in this subject, that is a fee I would be willing to pay!  If you enjoy working with others and feel confident in a specific subject, this is a great way to earn extra money from home.

Consider signing up through a tutoring company, or hire yourself out online.  This is a great job for setting your own hours!

13. Alterting Clothing

If you know how to sew, I suggest hiring yourself out to alter clothing. You could sew on a button, patch holes, hem a dress, etc.

I always seem people looking to hire someone for sewing alterations! It’s something you can do when your kids are sleeping!

14. Freelance Writer

Another great side hustle idea for stay at home moms is to do some freelance writing.

You don’t need to have any experience or special skills to become a freelance writer. You just need to have a talent for writing, and a desire to earn money. This is a great side hustle for stay at home moms because you can write from anywhere, at the times that are most convenient to you! All you need is a computer and internet connection to get started!

I linked an article all about become a freelance writer to help you begin!

15. Make Deliveries

Sign up to make deliveries with companies like Uber Eats, DoorDash, Amazon Flex, Instacart, etc. With more and more people doing their shopping online, it opens up a lot of job opportunities to make these deliveries happen.

16. Pet Sitter

Do you love pets? You might consider hiring yourself out as a pet sitter! It’s the perfect way to play with some animals and earn money on the side.

Sign up for websites like Rover.com to try to find the best pet sitter jobs available in your area.

17. Travel Agent

You might enjoy being a travel agent from home! If you like to travel and research deals, help others by planning their vacation and enjoy the extra income you get to bring in at the same time!

In Conclusion

I truly believe that with the technology we have there are so many side hustles for stay at home moms, or anyone wanting to earn an extra income from home.  Do some research, find the right fit for you and your personality, and then get started making money!

Let me know if you have any questions, I am here to help!

 

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How to Earn Money From Home for Stay at Home Moms

Related Articles:

Budgeting for Beginners: FAQ

What I have learned about living a sweet and frugal life on ONE income

The life lessons that taught me to budget for JOY while living in the present!

The best side hustles for stay at home moms!

How To Save Money Without Feeling Deprived

August 15, 2025 By: Sweet Frugal Lifecomment

Tips To Cutting Expenses Without Cutting Your Happiness

When I tell people that I stick to a budget and like to be frugal, a negative reaction is fairly common. Many people view frugal living as an endless sacrifice and a million “no’s”, they often feel that it leads to a boring and unfulfilled life. I’m here to tell you that you CAN budget, save money and live frugally, while still living a life that makes you happy! Today I will tell you exactly how to save money without feeling deprived.

Step 1: Track Spending With Zero Judgement

The first step to living a frugal life while staying happy is to track your spending…..without judging yourself.

For one entire month you should write down every single thing that you spend money on. Big or small, write it down! Don’t try to change (this is where the no judging part comes in) your habits to make them look better on paper. We want an accurate representation of how you truly spend money.

If you would like a free spending tracker, grab it in my Free Budgeting Worksheets Bundle.

  • Related: 7 Simple Ways To Get Your Budget Back On Track (for good this time!)

Step 2: Rate Your Spending On A Happiness Scale

Once the month is done, and you have written down everything that you bought it’s time for a quick Joy Audit.

This can be done by taking your list of expenses and rating everything you bought based on the level of happiness each purchase brought you. I recommend using a scale of 1 to 10.

Items on the lower end of the scale, such as #1, would be “why did I even buy this?” These would be purchases that you never really used after buying, or things didn’t add any value to your life.

  • Related: How To Stop Impulse Buying For Good

The purchases on the higher end of the scale, would items that make your life better and happy and is used and enjoyed to the fullest! Personally, my Friday date nights would be a fit in this category!

Remember, this is a no guilt scale! We are just trying to reflect on spending and your own personal happiness levels.

Step 3: Cut Expenses With A Low Happiness Rating

Now that your Joy Audit is done, it’s time to start saving money without depriving ourselves of happiness!

In the frugal living world we talk a lot about cutting “non-essential” spending. But, if we focus on only our non-essential spending, it can often lead to cutting out a lot of purchases that bring us immense joy. Your happiness is important! Step 3 focuses on saving money while also staying happy.

Look through your tracked expenses and take note of all the non-essential purchases that ranked low on your happiness scale. I recommend anything that ranked between a 3-1. Now, make a decision to cut those low ranking purchases out of your budget moving forward.

Step 4: Find A Place For Your Extra Money

Now that you have found some extra cash in your budget, it’s time to use that money for something even more important……SAVINGS! I mean, that’s what I’m here for right? To help you save more money! So, this is how we are going to do it.

Look through some of your future saving goals, and current financial needs. Try to find somewhere in your budget that you could put the extra money you now have.

A few ways you might want to use your extra money could be:

  • Paying off debt: If you have debt that you’ve been trying to pay off, use this extra money to put towards that debt payment so that you can get it paid off sooner rather than later. Not sure how to start paying off your debt? Check out this article: How To Pay Off Debt With The Debt Snowball.
  • Growing your emergency fund: Do you have a fully funded emergency fund? If not, this extra money gives you the perfect opportunity to get one. Funnel your new found savings into your emergency fund, so that if anything unexpected occurs you won’t have to stress financially.
  • Saving for a big expense: You could also use this extra money to save for an upcoming big expense, such as buying a house, a car, or going on a vacation.

Your money goals will be unique to you and your situation! As long as it will help you progress further, and keep you happy, that’s what we are about!

Step 5: Make It A Habit

Let’s rehash shall we?

First we found some extra cash in your budget, and we didn’t have to sacrifice any of the things that make you most happy. Yay for that!

Next, we found some areas in our budget that we could use this extra cash for. Areas that will really help us prepare for our future and live a debt free life.

So, what’s next?

Well, now it’s time to make this new way of spending a habit! Personally, I’ve found that it’s really easy to start off strong in a new savings goal….but then slowly go back to my old habits.

I don’t want that to happen to you! To keep up with your new budget, I recommend going through this same process every 2-3 months. Continually looking through your expenses and ranking them on a happiness scale will help this mindset to stay in the forefront of your thoughts.

In Conclusion

I hope that this article was able to help you find some ways to save money without feeling deprived.

Remember, frugal living isn’t about living with less – it’s about living with more of what you love and less of what you don’t.

Related Articles:

  • How To Lower Monthly Expenses Today
  • When Not to Feel Guilty About Spending Money…
  • 3 Steps to a Long Term Savings Goal

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You can save money without feeling deprived of your joy!

Ways You Are Wasting Money Without Realizing It

May 21, 2025 By: Sweet Frugal Lifecomment

Little ways you might accidentally be spending money

Do you ever look at your bank account at the end of a month and wonder, where did all of my hard earned money go?? You know you’ve been working hard all month, but somehow all of that money seems to fly out the window. It happens to most of us from time to time! Keep reading to learn a few ways you are wasting money, without even realizing it!

1. Using Plastic Bags

Do you have a habit of using plastic bags regularly? This can be a quick way to save leftovers, pack a lunch, or store random items.

However, those baggies can start to add up to some big spending. A cheaper option would be to use some tupperware or a reusable bag. True, the initial investment will be more pricey than your typical plastic bag, but the savings will add up over time. Not only is it good for the environment, it’s also good for your wallet!

2. Forgotten Subscriptions

It’s far to easy to sign up for subscriptions these days. There are just so many options, such as a new app or a few streaming services. With a simple click of a button we can have so many fun things at our disposal!

Unfortunately, it’s much easier to sign up for subscriptions than it is to cancel those same subscriptions! And the expenses can add up quickly!

I encourage you to take a few minutes to look through your expenses and find a few subscriptions to cancel. I’m betting that you can find a few that you don’t use very often.

  • Related: How To Watch TV Without Cable or Satellite

3. Keeping Devices Plugged In

Did you know that keeping unused devices plugged in will cost you extra money in the long run?? It’s true! Even if you aren’t using a device, if it is plugged in it is still using phantom energy, and this costs you money. Try getting into the habit of unplugging anything and everything that you aren’t using, including phones, toasters, and all electronics.

4. Throwing Away Containers Before Emptying Them

We’ve all done it. We use up most (but not all) of what’s left in a ketchup bottle, or yogurt container, and then toss the container into the trash without a second thought.

A few years ago I made a goal to stop throwing away my *almost* empty containers. Honestly, I was shocked at how much food and product I had been wasting. When I started trying to use every last drop, the item was able to last so much longer than I had imagined.

Here are a few things that have helped me use every last drop:

  • Using a mini spatula to scrape out anything leftover in a container. These work great for scraping out leftovers in makeup or food jars! I use one regularly for my foundation and it lasts me an extra month than I had planned on!
  • Freezing leftover food in ice cube trays to pull out when needing a small amount.

5. Letting Food Expire

I honestly don’t want to admit the amount of food I regularly find hiding in the back of my fridge growing mold….it happens much more often then it should.

Allowing food to expire is another way that many of us (me included) lets money go down the drain.

According to a study in the American Journal of Agricultural Economics, the average American household throws away approximately $1,866 amount of food each year. That’s a lot of money!

To prevent food waste try a few of the tips below:

  • Make a meal plan that revolves around ingredients you already have at home
  • Include a few meals in your meal plan that focuses on eating leftovers
  • Freeze your leftovers to reuse for another meal. Not sure what food can be frozen? Read this article: 19 Foods You Didn’t Know Could Be Frozen
  • Buy what you need and what you know you’ll eat, not what you “hope” you’ll eat
  • Check expiration dates regularly to make sure you use it up before it goes bad

6. Replacing an Item When It Breaks, Instead of Repairing It

Learning to make repairs on items something when they break, rather than immediately buying something new to replace it, will save you so much money throughout your life.

Here’s a list of things you could try to repair, instead of replace:

  • Socks
  • Sweaters
  • Window Screens
  • Lawn Mowers
  • Appliances
  • Power Tools
  • Stuffed Animals
  • Furniture

Obviously, there is so much more we could add to the list! But, hopefully these ideas will get you started. I love to watch YouTube videos to help me learn all the tips for making repairs.

  • Related: DIY Decor On A Budget

7. Being A Name Brand Snob

Alright, I’ll admit it. I was once a name brand snob. I truly thought that i would only be happy with name brand purchases. That is, until I realized how much money I was wasting each and every day.

I slowly started branching out to more off brand items and realized that most of them taste just as good as the name brand version! Now, most of what I buy are off brand, and I have never looked back!

You will save so much money, and get just as good of product simply by switching the brand you are trying.

Not sure where to start, read my article: Off Brand Items That Are Just As Good As The Name Brand.

8. Paying For Convenience

Convenience is a slippery slope in the budget world. Paying for a little convenience here and there might look like small fees, but those small fees will add up over time and are a fast way to waste money without realizing you’re doing it.

A few examples of convenience fees you might be paying for are:

  • Pre cut produce at the grocery store
  • Grocery Delivery
  • DoorDash
  • Yard Work
  • Professional Cleaners
  • Meal Subscription Boxes

The next time you are tempted to spend a little extra on convenience, stop and ask yourself if it’s really worth the extra money, or if you have the time and ability to do the extra work yourself.

9. Ignoring Energy Usage

How close of attention do you pay to lights being left on in your home? I know at my house my kids LOVE to leave the basement light on when they leave for school, it feels like I’m constantly reminding them to turn off the lights. My kids don’t realize this, but every second the lights are on, we are spending money.

What about the heating and cooling of your house? Do you set the thermometer where it feels most comfortable and then forget about it? Or do you make the effort to adjust it for when you’ll be out of town, at night time in an effort to save money.

One of the more common ways we are all wasting our hard earned money is by ignoring our energy usage. All it takes is being diligent about turning lights off when not in use, adjusting your thermostat at night time or when you are out of town, and you will begin to see more money in your budget.

  • Related: 10 Ways To Save Money On Electricity This Summer

10. Using Paper Towels

Using paper towels to mop up spills is a quick way to waste money. Instead of grabbing a paper towel, try using a reusable dish cloth or rag. The savings in the long run is huge! And it’s better for the environment! Win! Win!

11. Ignoring Freebies

Do you know of all the freebies out there? Cause there are TONS! So we all better be using them! When you ignore freebies you are wasting a chance at saving some money and falling into the trap of wasting money without realizing it.

You can find a plethora of freebies a lot of different ways, here are just a few places I suggest looking:

  • Public Library ( yes, they have more than books you can check out!): 10 Free Things At The Library
  • Birthday Freebies (get free stuff every year for your bday!): How To Get Free Stuff On Your Birthday
  • Community Events: look for free concerts and events around town for free entertainment
  • Join a Freecycle Facebook Group to get things that others are giving away for free
  • Email your favorite companies and ask for coupons (yes this works!)

12. Overusing Laundry Detergent

I feel pretty confident making the assumption that that you are using more laundry detergent in your washing machine then you need to. Truth is, I think I use to much! Make sure you thoroughly read the instructions on your detergent to learn how much is actually needed. You just might might be surprised at how little your washing machine actually needs. The less you use, the less money you waste! Yay!

13. Using Incandescent Lightbulbs

The next way you are probably wasting money without realizing it is by buying the old fashioned incandescent lightbulbs. Yes, the price is cheaper up front, but these type of lightbulbs are making your electricity bill so much more expensive.

LED light bulbs last longer and uses less electricity than a traditional light bulb. Check out this Light Bulb Showdown article to see the huge life time savings in this one simple change.

14. Overpaying On Your Bills

Yes, we all have to pay our bills. And, at first glance those bills might feel set in stone. However, I’m here to tell you that many of them are actually negotiable!

That’s right! You can call up your service providers and ask them right out if they can offer you a lower rate than what you have been paying.

Not sure how to do that? I explain it all here: How To Negotiate Your Bills. I’ve heard so many success stories from this!

15. You Always Fill Up At The Same Gas Station

I’ll be the first to admit that I frequent my neighborhood gas station regularly, it’s just quick and convenient!

However, I have learned that over the years that I will save much more money if I shop around for gas, instead of filling up where it’s quick and convenient.

Make sur to check out gas buddy and Upside when trying to find the gas station with the best price on gasoline.

16. Buying Precut and Prepackaged Groceries

I love convenience as much as the next person, however when it comes to cutting costs at the grocery store, the first place you should look at is the convenience foods you are buying.

Do you spend money on pre-portioned snack items, such as buying small bags of chips instead of one large bag? Or maybe you buy premade salads or precut produce?

These types of purchases will run your grocery bill up fast! You will spend less if you begin buying the whole foods and cutting/portioning them out yourself.

  • Related: What To Do When Grocery Prices Rise

17. Buying Everything New

Speaking of convenience, it is so easy to run to your local Walmart or scroll on Amazon for anything and everything. But, there are so many high quality items available for a fraction of the cost, you just have to be willing to be something gently used.

Rather than immediately turning to the flashy new store to buy a never before used item for top dollar, start browsing thrift stores, garage sales, and Facebook marketplace for gently used items at a fraction of the cost.

We have bought everything and anything used including, furniture, clothing, lawn mowers, toys, christmas presents, home decor, appliances, and more! If you are willing to make the time and effort to browse a few thrifting options, than you will save yourself a lot of money!

In Conclusion

These are just a few of the many ways you might be wasting money without even realizing it! If you can relate to any of these, don’t worry, you’re not a lone! Everyone succumbs to the ease and temptation of tossing money out the window every now and then. But, fortunately, we can all recognize our mistakes and try again!

Related Articles

  • Best Money Saving Apps
  • Questions To Ask Yourself Before Spending Money
  • How To Live Frugally

Pin For Later Reference

Now you can stop wasting money without realizing it!

DIY Decor On A Budget

June 14, 2023 By: Sweet Frugal Lifecomment

Frugal Decoration Ideas You Can DIY

I don’t know if this is just me…but I seem to always feel like my home needs an update.  I get one room looking just right, and then I notice another room is outdated.  I love giving my home a new look….but it can get so expensive!  Which is why I do a lot of DIY decor on a budget.  It’s the best way to give a home a fresh new look, without breaking the bank! 

If you are like me and wanting to makeover your home, but also on a budget, make sure to try some of these easy ideas listed below!

Dollar Tree Tiered Tray

Frugal and Dollar Tree just belong in the same sentence, don’t you think????  Which is exactly why I love this Dollar Tree Tiered Tray.  It’s the absolute cutest craft and will only take a few hours and a few dollars to throw together.  Plus, it’s something that anyone could make, whether you deem yourself “crafty” or not!  Whooo-hooo!

 

Custom Painted DIY Doormat

It’s always fun to get a fresh new door mat, but what’s even more fun is getting a fresh new door mat for a cheap price!  Am I right or am I right????  

This cute Custom Painted DIY Doormat is the perfect way to update your front porch while on a tight budget.

Finished doormat on front porch.

 

Related:  Cheap Farmhouse Decorations

 

DIY Dollar Tree Wreath

Here’s another fun and easy project made from supplies found at Dollar Tree.

This DIY Dollar Tree Wreath would make a cute addition to your indoor or outdoor decor.  And it’s easy to customize just by changing up the flowers to match your favorite look!

completed diy wreath

 

 

 

Upcycled Succulent Planter

Quit tossing your used cans away and turn them into an adorable farmhouse style planter instead!  Here’s an easy tutorial you can follow to make your own upcycled succulent planter.  You will only need a few supplies (and you probably already have some of them in your home!).

Succulent Planter Craft Project

 

Driftwood Clock

I love crafts that you can make out of things that would typically be tossed aside.  It’s so beautiful to give something that has been forgotten a new life and purpose!

That’s the reason why I love this DIY Driftwood Clock.  You take a piece of driftwood, clean it up a bit, attach a clock kit…and wah-lah…..you have a beautiful clock!  It really is the perfect DIY decor on a budget!

How to make a driftwood clock

 

China Cabinet Makeover

Do you have a china cabinet in your home?  It might be fun to give it a new look with this quick and easy makeover!  All you need is some wallpaper and a few supplies to give the china cabinet a fresh look!

Photo of empty cabinet with the wall paper on the back of the hutch. The wallpaper has branches with light green leaves and gray owls perched on the branches. the background of the paper is cream colored.

 

  • Related:  8 Cheap Ways To Update Your Yard

 

Burlap Planter

If you know basic sewing then you can whip up this darling DIY Burlap Planter.  The directions are very simple to follow and makes for such a cute and fun way to store your house plants.

burlap basket pot cover free sewing pattern completed

 

Vase Makeover

You don’t need to spend a lot of money to display expensive looking items in your home, and that’s exactly what I love about this tutorial.  It shows you how easy it can be to turn an ordinary Dollar Tree vase into a beautiful expensive looking vase.

Acrylic painted vases that look like terracotta

 

Colorful Wreath

A homemade wreath is the perfect DIY decoration on a budget.  They are always so easy to make, and beautiful to display!

I just love this colorful floral and burlap wreath.  It’s made using a pool noodle, which you can get at the Dollar Tree for super cheap!  I never would have guessed!

Colorful Summer Wreath

 

Burlap Garland

Garlands are such a fun way to dress up a fireplace mantle, or an entry table.  Make sure you check out this Burlap Garland tutorial to learn how to make this cute and cheap decoration!

burlap garland

 

 

 

Planter Box

Give your front porch a makeover with this DIY Modern Planter Box tutorial.  It’s the perfect project for someone who is new to power tools.  Your porch will look fresh and new with these planter boxes up front!

Super Easy DIY Modern Planter Boxes

 

Crushed Tin Can Pocket Planter

I’m always amazed at what can be done with a little creativity and modge podge.  Mixed Kreations shows us how she took a tin can, a napkin, and some modge podge to make this beautiful tin can pocket planter.  It makes a beautiful gift or keep it for yourself for a fun DIY decoration on a budget.

crushed tin can pocket

 

DIY Faux Ceramic Vases

I am seriously obsessed with these Faux Ceramic Vases!  I had no idea you could make a faux ceramic paint with baking soda!  The finished look is so beautiful and expensive looking!  I’m seriously going to paint everything in my home using this tutorial!

faux ceramic projects are lined up on display with dried florals

 

  • Related:  Easy Toilet Paper Roll Crafts

 

Paint Cabinet Hardware

Make your cabinets look brand new simply by painting the cabinet hardware, it’s so genius!  This is one of the easiest ways to update your home while sticking to a tight budget!  

image of before painted hardware on cabinets with arrow pointing to after laundry room cabinets with black painted hardware.

 

DIY Pillow Covers

Give your throw pillows a whole new look with this easy DIY pillow cover tutorial!  The pillow covers have a cute decorative edge to help them stand out, and it will be easy to customize them to your home vibe by the material you choose.

 

DIY Decor On a Budget

I hope this article helped you to find a few….or many easy ideas for frugal decorating!  Sometimes all it takes is a little creativity and time to transform a room!

 

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Enjoy these DIY decor on a budget ideas!

Frugal Living Tips From The Great Depression

February 6, 2023 By: Sweet Frugal Lifecomment

The best money saving tips we can learn from our grandparents.

I have many fond memories of sitting in my great grandmothers home while she shared stories with my family about living during the great depression.  She explained that growing up during this time taught her to always be frugal, even if it isn’t always necessary, it’s still a wonderful way to live.  Her example taught me so much about mindful spending, and I think everyone can learn many frugal living tips from the great depression.

I admire everyone who went through the depression, it was such a hard and difficult time for many people.  But, through that process they learned how to be creative with the things they owned, resourceful with their belongings, and prudent with their earnings.  They learned to never waste, and to always think long and hard before spending any money.

Today I’m sharing a few of their frugal tips, and I hope these tips can help you live frugally and save more money.  We can all be a little more frugal…even if it isn’t a necessity!

1.  Make Your Own Household Cleaners

It was almost unheard of to buy a household cleaning product at the store during the depression era.  Most households knew the basic ingredients to whip up their own cleaning recipe, they saved a lot of money simply by making their own.

The best part is that you probably already have every ingredient you need to make your own household cleaners. 

Check out a few of my favorite recipes:  Homemade Household Cleaning Recipes.

2.  Repurpose Materials

With money scarce during the great depression, most people tried to figure out ways to repurpose items they already owned, rather than tossing them aside.  

We can easily repurpose as well!  Here are a few suggestions of things in your home you can repurpose to use again:

  • Empty Milk Carton:  Clean out your milk cartons and reuse them to store water or as a mini garden greenhouse.
  • Egg Cartons:  Egg cartons are easy to repurpose as a planter for starting seeds, or as a way to organize beads or any other small items in the home.
  • Toilet Paper Rolls:  Toilet paper rolls make great crafts!  Check out these easy toilet paper roll crafts for some great ideas.
  • Glass/Plastic Containers:  Reuse your sour cream containers, mayo jars, and everything else in between for storing small objects.
  • Grocery Bags:  Turn your plastic grocery bags into trash liners for the small trash cans in your restroom.
  • Clothing/Bedding:  Don’t let your worn clothing or bedding to go to waste.  All you have to do is cut the cloth into small pieces and use them for rags!

3.  Eat At Home

Families rarely, if ever, went out to eat during the depression.  Money was just to tight to spend it on a night out.  Every meal was spent together, at home, enjoying food made from scratch. 

Cooking at home will make a huge difference in your budget each month.  Make sure to check out some of my quick, family friendly dinner ideas here.

 

4.  Trade Skills

Another common frugal living tip from the great depression is to trade skills with each other.  During the depression era, neighbors, friends and acquaintances were often bartering their skills with each other in an attempt to save money.

We can still follow this example today.  If you are great at photography, you could offer to take your neighbors pictures and in return they could donate a service to you, like teaching your kids a musical instrument, cutting your hair, or anything else you need that they can do.

5.  Make Do With What You Have

Something breaks? You don’t have the exact ingredient that you need?  Make it do!

If you can be content with what you already have, you will be much more likely to make it do, rather than spending on the “next big thing!”  I have two personal examples for you.

Example 1:

We spent years watching “everyone” around us switching from flip phones to smart phones. I would be asked regularly why I still used such an “old fashioned phone”. My answer? “Because this one still works fine.”

Of course I would have RATHER of been using a flashy smart phone with all those cool apps and emojis….but I was on a small budget, so the flip phone was all I needed.

Now, I’m not saying that you should get rid of your smart phones. What I am SAYING is that I want you tostart looking at what you have in your home differently.

Example 2:

Last year we wanted to update my 13 year olds bedroom, to give her more of a teenage room, and less of a young girl room. She had requested more coral and less yellow.

Our goal was to only use what we already had around the house all while giving her room a completely new look.

We made a tassel garland out of scrap fabric. She searched through old decorations that we had put in the storage room to find pieces she liked. We decided to paint over a yellow sign, but didn’t have any coral paint. So, we mixed pink with orange and came up with the perfect coral color.

Long story short: we MADE IT WORK! And, she now has a teenage room that she loves.

5 Ways to Make It Do

  1. Take good care of what you already own. Make rules like no shoes in the house, no jumping on the furniture, etc.
  2. Rearrange your furniture for a new look. Swap decor amongst different rooms to switch things up!
  3. Set a grocery budget and stick to it, no matter what. Make whatever you have in your pantry and fridge last for as long as you need to. 
  4. Keep your electronics in good condition and use them until they break, even if they are old and uncool.
  5. Stretch your meat further by using 1/2 the meat called in your recipe and substituting it with beans.

6.  Learn How To Sew

Sewing clothes was very common during the depression.  While, I’m not suggesting you need to start making all of your own clothes, I do recommend that everyone learns a few basic sewing skills.

Being able to sew on a button, hem a dress, or mend a rip will save you a lot of money and help you prevent waste.

7.  Have Fun For Free

I am so passionate about the ability to enjoy life, have fun, and make memories without spending any money.  Our great grandparents were excellent at this skill!

Here are a few ways you can have fun for free:

  • Play games (we love fish bowl)
  • Go for a walk
  • Read books from the library
  • Listen to music

Remember to be creative when trying to find cheap fun.  It’s out there!

  • Related:  25 Free Things To Do In Winter

8.  Hang Your Laundry To Dry

You will save a lot of money on electricity just by simply using your dryer less and hanging your clothes to dry instead.  An outdoor clothes line is the most traditional method to drying clothes.  However, you could also dry them in your house.  I really like this foldable laundry rack and I personally have this wall mounted drying rack in my laundry room.  It works great during the cold winter months.

  • Related:  10 Ways To Save Money On Electricity This Summer

9.  Learn To DIY

Another way to a lot of money is by learning to DIY.

I know the phrase DIY brings out a lot of different feelings to different people. Some feel excited and motivated (yay! hand me a hammer, I’ll show you how it’s done!). Others might feel a sense of panic and worry (what!?!? I’m not handy….I don’t know how to DIY!).

Do you WANT to learn more DIY but feel stuck or confused about where to start??? I understand! And guess what, learning to DIY is actually incredibly easy!

All it takes is a quick search on google, and a few minutes reading blog tutorials and watching YouTube videos.  That’s really it! It’s exactly how my husband and I have been able to successfully complete dozens of our very DIY projects.

Start small, go slow, and ask questions. You just might surprise yourself with a few new talents and a big savings in your budget.

10.  Grow Your Own Food

During the great depression it was common for everyone to have large gardens.  Not only was it necessary to grow your own food, it was also the way of life.

I believe that it is just as important to grow our own food today as it was back then.

We don’t have any control over grocery prices (and they just keeeeep on raising), so the more we can do to save money in the kitchen- the better!

If gardening scares you, don’t worry!  You don’t need to grow a lot of food to begin saving money.  Even a small window garden will help you lower grocery costs.  Here are a few of the easiest things to grow in your first garden.

11.  Preserve Garden Produce

Speaking of growing your own food, it’s equally important to understand how to preserve the food that you grow.  A freezer/pantry full of preserved garden produce is one of the best ways to save money all year long.

I taught myself everything that I know about canning and preserving using the Ball Book Of Canning and Preserving.  It is an amazing guide and resource and recommend it to everyone!

 

While you will need to spend money to buy canning supplies, this initial investment has paid off over and over for my family.

12.  Save Leftovers

I have to admit something to you.  I use to throw away all of my leftovers…..every last crumb.  When I first started dating my husband he would watch me in complete disbelief as I chucked my uneaten food down the drain.  “I don’t like leftovers,” I would casually say to him.

Well, I have learned a lot since then….much to the example of my husband.

Now, when I see leftovers I see the money that I spent buying that food…..and there is no way I am going to throw my hard earned money down the drain.

Be like new me, not old me and save your leftovers to use again!  

Leftovers can be:

  • Frozen (19 Foods You Didnt Know You Could Freeze)
  • Stored in the fridge to eat for lunch or dinner the next day
  • Repurposed for dinner the next day

I also love to freeze a lot of my leftovers in an ice cube tray for easy use later.  Try it!

13.  Cook From Scratch

Our great grandparents cooked almost everything they ate from scratch.  They avoided buying preprepared foods as much as possible, because they knew that they could make it for much less money.

We can follow this example by making our own bread, enchilada sauce, taco seasoning, salad dressing, granola, pizza, lasagna, pancakes, tortillas, yogurt, coutons, muffins, BBQ sauce, and so much more!  The list is never ending.

If cooking is not something you feel comfortable and confident with, then start small.  Making pancakes in the morning is really easy!  Then work up to more difficult things….like baking bread.  

Also, keep in mind that you do not have to make every single thing from scratch to save money.  Choose a few staples you like to make, and be consistent with them.  Every little bit of frugal living will add up and save you money.

  • Related:  30 Family Friendly Meals On A Budget

14.  Stretch Your Meals

Another important frugal living tip from the great depression is to be intentional about stretching your meals.  Sometimes all it takes is adding a can of beans to make one meal turn into two meals.  

Using simple methods to stretch your meals is a great way to cut your grocery costs.  Click here for more easy to follow tips to help your meals stretch further.

15.  Be Your Own Handyman

Skip hiring someone to do simple repairs and household maintenance.  Watch a few YouTube channels and learn how to fix it yourself!

Keep in mind that you won’t save money if the repair is done wrong, in those circumstances you might end up having to pay more to get it fixed.  So, do thorough research before starting any repairs/home maintenance yourself.

Here are a few fairly easy household maintenance ideas that I think *most* people can easily do themselves:

  • Paint walls
  • Patch drywall holes
  • Unclog drains
  • Change oil in car
  • Fertilize yard

The next time you are tempted to call a handyman, pause and ask yourself if this is something you can learn to fix yourself!  I bet you can!

16.  Give Something Homemade

During the great depression, most people didn’t have any extra money to spend on birthday or holiday gifts.  So, they made most of the gifts they gave to others.  I truly believe it is the thought behind a gift that means the most….and homemade gifts are my favorite because they take a lot of thought, time and love.

Check out this list of homemade Christmas gift ideas to help you get started!

17.  Ignore Fads

Our grandparents knew to ignore any trends/fads that would cause them to spend unnecessarily.  The fads come and go, and once they are gone all you’ll be left with is a pile of stuff you don’t need anymore and less money in your bank account (anyone remember the Beanie Baby era???).

Be mindful when you are spending your money and ask yourself if you are buying something just because everyone else is buying it….or if it’s something you will actually use, love and value for years to come.

 

 

18.  Use Electricity Sparingly

Did anyone else grow up with parents who were constantly reminding them to turn off the light???  It wasn’t just me was it????

Our parents learned from their parents that the more electricity you use, the more money you will spend.

Turning off unused lights is one way to conserve electricity.  You can also:

  • Unplug appliances when not in use
  • Use LED lightbulbs
  • Lower your thermostat
  • Seal leaks around windows and doors

There are so many ways to save money simply by changing the way you use electricity.  For more ideas check out these two articles:  How To Save Money On Electricity During Winter and How To Save Money On Electricity During Summer.

19.  Use It up

During the depression families learned to use everything up, rather than letting it go to waste.  If they had a small amount of ketchup left in the bottle, they would use a small spatula or knife to get it out and use it.

Be mindful of not throwing away small amounts of condiments, shampoo, soap, milk, etc.  Find ways to open up the container and use every last drop.

20.  Avoid Disposable Products

Disposable products have become more popular over the years, but they are not great for the wallet (or the environment!).

Try to buy products that can be used over and over again and skip purchasing anything that only has a one time use. 

A few examples of this are to buy:

  • Hand towels instead of paper towels
  • Tupperware instead of sandwich bags
  • Dishes instead of paper plates

You will have to spend slightly more money to begin with….but it will save you big over time.

21.  Forage

Yes!  You read that right, foraging is a great way to save money on food.  And, it’s actually really fun too!

Scout out areas in your community or nearby that has wild berries or other plants growing and go forage.  Every summer my family drives to a nearby spot and spends a day picking huckleberries.  We freeze these huckleberries and use them all year.  

  • Related:  Easy Huckleberry Muffin Recipe

22.  Turn Off The Air Conditioner

I know this is a tough one….but most homes did not have air conditioners during the depression years….and they survived.  I’m sure it wasn’t easy…but they survived.

Try to keep cool instead by using fans, sitting outside in the shade, using cool washcloths, and keeping blinds closed during the hot part of the day.

If turning the air conditioner off completely feels to much for you, then try to increase the thermostat a few degrees so that you are using it less often.

23.  Conserve Water

And my last frugal living tip from the great depression is to conserve water.  You can conserve water by:

  • Wearing clothes multiple days (as long as they are clean!)
  • Follow the mantra:  “If it’s yellow let it mellow, if it’s brown flush it down.”
  • Brush your teeth in the shower
  • Take short showers
  • Fix leaky faucets

Sometimes all it takes is a few simple changes to start saving money.

In Conclusion

Who’s ready to implement these frugal tips from the great depression!  I know I am!  Pick one or two new money saving tips to start saving more money today.

 

Related Articles:

How To Live Frugally

Things Frugal People Dont Do

Free Self Care Ideas

 

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easy money saving tips - frugal tips from grandmas

I hope these frugal tips from the great depression help you save more money.

Purpose of a Budget…and why you need one!

January 12, 2023 By: Sweet Frugal Lifecomment

All of the reasons you should make a budget.

If you’ve been following here for a while you know that I preach budgeting to everyone and anyone who will listen!  I truly believe that every single person should have a budget, regardless of how much or how little money you earn.  Not sure what the purpose of a budget is???  Well I’ll tell you today, so keep reading!

reasons to budget - why you should make a budget

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The Purpose Of Budgeting

I’ll be honest with you….years ago I did not believe in budgeting.  I felt like it was something that was only for families that were pinching pennies….and my family seemed to be getting by just fine without a budget.

But then my entire thought process changed after I randomly picked up Dave Ramsey’s Total Money Makeover in the library one day.  This book opened my eyes to how our finances could be, if we only adjusted some of our habits….so we started budgeting.

It honestly took about 5 years of trying, failing, giving up, trying again, etc. until we got to a comfortable/confident place when it comes to the budget.

One of the things I learned through this experience is just how much a budget can change your finances.  Before we started budgeting, I really thought that we were fine the way we were spending, but once I had that budget to hold me accountable we were able to find so much extra money….and instead of spending that money on stuff (like the pre budget days) we were able to spend it on things that were much more important to us, like travel, retirement, saving for a car, etc.

If I can change my stubborn ways, anyone can!

1.  A Budget Prevents Overspending

One of the most important purposes of a budget is that it prevents overspending.

If you take the time to make a budget and give every dollar a job, a category, then you will be much less likely to impulse shop and buy things just because they caught your eye (may or may not be talking about myself here….).

Try to get into the habit of checking in with your budget daily.  This daily check in is so important to make sure you are staying on track, and to remind yourself of your money goals.

The days I don’t check in with my budget are the days I tend to impulse buy, because I convince myself we have enough money in the budget.  However, if I take the time to look at the budget then I am more aware of my spending and am able to control my overspending impulses.

2.  Budgeting Reduces Stress

It’s true!  A budget can/will ease your financial worries resulting in a less stressful life.  If you are budgeting with sinking funds (which I recommend!) then you will always be prepared for what’s to come, resulting in less stress.

For example, every year I make a sinking fund for Christmas expenses.  I save into that sinking fund with each paycheck, then when the holidays come along I can buy Christmas presents, Christmas decor, and any other items I need/want for the holidays using the money I have already saved, which completely eliminates financial stress during the Christmas season!

  • Related:  How to Save Money For Christmas

3.  A Budget Helps You Reach Your Goals

Another important purpose of a budget is that it will help you reach your money and savings goals. 

Want to save for a vacation, but money keeps flying out the window???  Make a budget!  Calculate how much you are spending in each area, look at the ways you can cut those costs, and then budget a sinking fund for vacation!  Yay!

Yes, making a budget and cutting expenses will require some sacrifice on your part, but with consistency you will be able to reach those important goals. Budgeting has a way of helping you focus on your priorities.

  • Related:  Easy Budget Cuts We Made To Save Over $2500 Each Year

4.  Budgeting Helps You Spend Money Guilt Free

Most of us like to spend money….but we don’t like the guilt that often comes after spending money.  And this is exactly why I love a budget!  A budget gives you permission to spend money, guilt free!

Don’t believe me yet?  Check out these two scenarios:

Scenario A:

Allie wants new living room furniture.  She has her eye on a couch at a local furniture store and notices it goes on sale one weekend.  Allie excitedly runs to the furniture store to buy the couch.

She doesn’t have enough money to pay for the couch in full, but the store offers her to make monthly payments for a year to be able to buy it.  Allie buys the couch and has it delivered.

The monthly couch bill begins arriving and Allie starts to panic.  She didn’t realize how tight the monthly payments would make her finances.  The stress of paying this bill, along with all of her other expenses begins to set in and she feels guilty for making this purchase in the first place.  She realizes she acted on impulse, and doesn’t quit have the funds available.

Scenario B:

Brooke also wants new living room furniture.  She looks at a few different pieces of furniture at multiple stores and writes down their averages prices.  Brooke then makes a sinking fund category in her budget to help her slowly save the money she needs to buy her new couch.

Over the course of 6 months Brooke deposits money into that sinking fund, using her budget.  After 6 months her sinking fund is fully funded and she excitedly goes into the furniture store to purchase her new couch.  She is so excited to purchase the couch with cash, and pay in full.

The couch is delivered and Brooke is able to enjoy it for many years.  Brooke has zero guilt about this purchase because she knew she already had the money saved in her budget, and there are no surprise bills.

Do you notice in these two scenarios how they both have the same goal, and they both were able to achieve that goal, but one came with guilt and stress, and the other only came with joy??  A budget is so freeing!

5.  A Budget Helps You Get Out Of Debt And Stay Out Of Debt

One of my favorite things about my little ol blog is getting to cheer you on as you reach your debt freedom goals.  There is nothing I love more than receiving a message from a reader telling me how proud they are of themselves for being able to pay off their debt thanks to making a budget.

Budgeting helps you plan your finances in a way that makes debt pay off a priority.  Being mindful of your spending, and prioritizing how each paycheck is spent is one of the most important steps to paying off debt. 

If you are wanting to pay off debt, I recommend making a budget and also reading my article How To Pay Off Debt With The Debt Snowball.

 

6.  Budgeting Helps You Understand Your Spending Habits

One of the most important parts of frugal living is being able to understand your spending habits, and a budget will show you exactly how you spend your money; including the good and the bad.  

When you sit down to budget each week you will be forced to see the categories you consistently overspend in.  Having this knowledge will give you the tools and motivation you need to reduce your spending in these areas.

When I first started budgeting I had convinced myself I was spending a certain amount of money on groceries each week.  But, after making a budget, I realized the cold hard truth.  I was spending so much more than I had realized.  Once I knew that this was a category I was overspending in, I was able to teach myself some new skills to reduce our grocery spending.

7.  A Budget Gives You Control Over Your Money

Do you ever get to the end of the month (or week) and wonder, “What happened to my huge paycheck I just got???  Where did all of my hard earned money go so quickly”?

I’ve had that thought, and it’s not a great feeling!

Do you want to know what my solution was?  Yep!  You guessed it, I needed to make a budget.

A big purpose of a budget is to help you have more control over your money, so that you don’t have to wonder where it all went at the end of each month.  You’ll know exactly where every dollar was spent, because you made a plan for those dollars and you stuck to the plan.

Want To Start Budgeting?

Have I convinced you yet that a budget is life changing (cause it totally is!).  

If you are ready to make the jump into budgeting, but aren’t sure how to start…..don’t worry!  I have you covered!  First, I recommend you check out my full budgeting tutorial here:  Zero Based Budget.

And then download my free budgeting cheat sheets.  They will walk you through everything you need to know to be able to make your first budget.  You got this!!!

  

 

 

Related Articles:

7 Simple Ways To Get Your Budget Back On Track (for good this time!)

How To Find Extra Money In Your Budget

Tips For Budgeting As A Couple

 

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How To Earn Free Amazon Gift Cards

November 29, 2022 By: Sweet Frugal Lifecomment

Easy Ways To Get Free Amazon Gift Cards

I’ve been finishing up the last of my Christmas shopping the past few days.  And as I’ve been shopping I’ve been so grateful for all of my free Amazon gift cards I’ve been saving up during the year.  They help make Christmas much more affordable!

I get asked a lot about how to earn free amazon gift cards, and I decided it was time to share all of my favorite ways!  These hacks won’t make you rich, but they will help ease some of the financial burden you may feel.

Personally, I save up my Amazon gift cards all year to use for Christmas.  But, you could also use them to help pay for birthday presents, household expenses, back to school supplies, sports equipment, and everything in between!  

Sweet Frugal Life is a member of online affiliate programs.  I will be compensated for purchases and clicks made from links in this post.

“We are a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for us to earn fees by linking to Amazon.com and affiliated sites. As an Amazon Associate I earn from qualifying purchases.”

 

Frequently Asked Questions About Earning Amazon Gift Cards

Before we get into how to earn free gift cards, let’s discuss a few of the most commonly asked questions.  Because if other people have asked me these questions….then I’m assuming you are wondering the same thing!

Can you actually get free Amazon gift cards?

Yes!  You can!  I know that there are a lot of scams and to good to be true deals out there.  But, the hacks I’m sharing with you today are all totally 100% legit.  I’ve earned Amazon gift cards using each of these methods and can vouch that they work and are safe!

Does it take a long time to earn a gift card?

This really depends on which method you are using, and how often you are using it.  Taking surveys through Swagbucks or Pinecone will probably help you earn gift cards faster then the reward apps.  However, it can take a while to earn a significant amount of gift cards cash.  Remember that slow and steady wins the race!

How do I redeem my gift cards?

When you have enough points to cash out for a gift card all you will need to do is select an Amazon gift card from the reward section of each of these apps/websites.

You will then be given a 14 digit code.  To redeem the code simply log into your Amazon account, and click on Gift Cards.  You will then enter the gift card code.  The money will now be available to credit to your next Amazon purchase!  So easy!

Ways To Earn Amazon Gift Cards

There are many easy ways to get free Amazon gift cards!  I like to use a mix of options to help the savings add up quickly!  Here are a few of my favorite methods.

1.  Swagbucks

Swagbucks was the very first rewards website I ever signed up for many many years ago.  They offer many different options to help you get Amazon gift cards.  You can earn points, called Swagbucks, for watching videos, taking surveys, searching the internet, shopping online, and so much more!  You can then redeem these points for gift cards to Amazon.

Sign up for Swagbucks here and get a $10 bonus!

2.  Survey Junkie

Another great way to easily earn free Amazon gift cards is to take surveys using survey junkie.  It’s so easy to do!  Just sign up for survey junkie here and fill out a profile to have surveys matched to your interests.

You will then be offered surveys to complete.  This is the perfect activity for when you are standing in line, watching TV, or have some time to kill.  Each survey takes about 15 minutes to complete and pay on average around $1-$3.

Each of your completed surveys will earn you points, these points can then be redeemed for Amazon gift cards.

3.  Upside

Do you fill your car up with gasoline???  Then you should be using the Upside app!

Upside gives you cash back, which can be redeemed for Amazon gift cards, at participating gas stations.  Most days I am able to get 5-20 cents cashback per gallon, but if you sign up using this link and use coupon code AFF25 then you will get a bonus 25 cents cashback per gallon!

Make sure to read my full honest review of the Upside app here.

4.  Pinecone Research

I recently started taking surveys on Pinecone Research and have loved everything about it.  It’s definitely my favorite survey website.

After registering on the Pinecone website you will begin to receive emails inviting you to complete surveys.  The surveys are fairly easy to fill out and take about 10-15 minutes to complete.

You will be paid $3 for each completed survey which can be redeemed for Amazon gift cards.

5.  Ibotta

There are so many cashback apps that will reward you with free Amazon gift cards.  The app that I’ve been using the longest is Ibotta.  

Ibotta offers a huge selection of rebates.  I have earned cash back on a wide selection of products, including milk, apples, pantry staples, broccoli, beauty and household items.

One of my favorite things about Ibotta though is that they offer cash back on what they call “any brand” items.  For example, today they are having rebates on any brand of yogurt or diapers that you buy.  So you can buy your favorite brand, and get some money back at the same time.

Plus, they always offer a small cash back on “any item.”  So, I can buy anything in the store, and earn some money back.

Ibotta is super easy to use!

  • Just shop like you normally would.
  • Check the app for any rebates you earned.
  • Click on the qualifying items you purchased.
  • Scan your receipt.
  • Your cash back is instantly put into your Ibotta account.  Easy Peasy!

You can request your cash once you reach $20.  I usually get it deposited into my paypal account or redeem it for an Amazon gift card.

6.  Fetch Rewards

Probably the easiest app for earning Amazon gift cards is Fetch Rewards.   This app rewards you with points when you scan your gift cards, and then you can redeem the points for gift cards to places like Amazon, Target, Sephora, Best Buy, restaurants, and more! 

How it works:

  • Download the free Fetch Rewards app
  • Grocery shop like you normally do
  • Scan your receipt into the Fetch Rewards app
  • You will automatically be rewarded points based on what you bought.

One of the best things about Fetch Rewards is that you can start redeeming your Amazon gift cards at only $3, and it is so easy to earn that first $3.

7.  Discover Card

Another easy way to get free Amazon gift cards is to use a Discover credit card.  With each purchase made on a Discover card you will earn cashback.  You can redeem the cashback as credit on your card, or you can use it to purchase items from Amazon. We allow this cashback to accumulate throughout the year and only use it to help us pay for Christmas.

  • BONUS!  You can get a $50 bonus when you sign up for a Discover Card and make your first purchase within 3 months.  Just make sure you pay it off monthly!

 

In Conclusion

Now that you know how to earn free Amazon gift cards, it’s time to start earning!  There are so many things you could do with some extra Amazon cash!

 

Related Articles:

The Best Cash Back Apps

How To Listen To Audiobooks For Free

Legit Ways To Earn Money From Home

 

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7 Simple Ways To Get Your Budget Back On Track (for good this time!)

April 20, 2022 By: Sweet Frugal Lifecomment

How to fix a broken budget.

Struggling with a broken budget???  We have all been there, and I’ve definitely been there more times then I would like to admit!  It might have happened because we gave into spending temptations to many times, or perhaps we let lifestyle creep sneak in.  Or, there could have been a lot of unexpected expenses arise.  There are so many reasons why we go over budget, it happens to everyone!  Going over budget is normal, not great, but normal….but only if it happens occasionally.  If you are looking for ways to fix a broken budget, I’ve got you covered!  Keep reading for 7 simple ways to get your budget back on track (for good this time!).

how to get your budget back on track - how to fix a broken budget

How To Get Your Budget Back On Track

It is possible to fix a broken budget!  Follow the steps below to get your budget back on track once and for all!

1.  Stop Unnecessary Spending

The first step you need to take to get your budget back on track is to put a pause on all unnecessary spending.  This doesn’t mean you cant pay your bills or buy food.  It means that you will only spend money on things that are necessary for living.  But, things like entertainment. going out to eat, home decor, etc. should be completely stopped.

There are so many ways to enjoy life, without having to spend money.  Try a few new easy recipes at home, enjoy some at home date nights, and be creative about finding things for free!

  • Related:  How to Have a Successful No Spend Month

2.  Track Your Spending

If you aren’t already tracking your spending, now is the time to start!  Tracking your spending is one of the most important (but easily skipped) steps to fixing a broken budget.  Writing down every purchase that you make will hold you accountable to your purchases, making it much less likely for you to impulse shop.  

I recommend taking time every single day to write down what you bought that day.  Then compare your purchases to your budget to make sure you are staying within your goals.

3.  Use Cash Envelopes

Anything thing that really helps me fix a broken budget is to start using cash envelopes.  The cash envelope system is really fairly easy to use!

First, look through your budget to determine the amount of cash you have left to spend for the rest of the month.

Next, you will need to go to the bank and take out that exact amount of cash out of the bank.  Divide the cash into different envelope categories.  Once your envelope is empty, you literally can not buy anything else (no cheating!).  I explain more about how cash envelopes here.

And, yes, you CAN use cash envelopes for online purchases!  I explain exactly how to do so in the video below!

 

4.  Give Yourself A Reward

I’ll let you in on a little secret about me…..I love to reward myself!  It motivates me to work hard and reach my goal.  Whenever I start struggling with my budget, I set up a reward system to help me stay focused on my money goals.

Choose your reward by thinking of something fun, but frugal, that you would enjoy getting.  I love to reward myself with a treat from my favorite pastry shop or by buying myself a new small piece of jewelry.

Set up your reward system in a way that will help you get back on track with your budget.  For example, if you go 10 days without splurging on any unnecessary spending, then you can treat yourself to your small reward.

5.  Return Recent Purchases You Don’t Need

Do you have any recent purchases that you regret buying?  Or perhaps that you don’t regret, but know deep down it wasn’t the best decision to buy?  Return these items to the store ASAP!  This is the quickest and easiest way to fix a broken budget caused by impulse spending.

6.  Sell Clutter In Your Home

Another option for getting more money back in your pocket is to sell clutter around your house that you don’t need or use!  My rule of thumb is that if I haven’t touched it for a few months, it needs to go!

Use the money you earn from selling your clutter to get your budget back on track, don’t spend it on something frivolous, put it to use in a budget category that needs it.

  • Related:  10 Household Items To Sell For Quick Cash  

7.  Use An Accountability Partner

One of the best ways to get back on track with your budget is to find an accountability partner to help you reach your goals.  An accountability partner could be your spouse, a friend or everything in between.  Ask the person you choose if they will help hold you accountable to your money goals.  Share with them your desire to fix your budget and what you need to do to get there.

As you go about your day to day routine, make sure to check in with your accountability partner regularly.  Make sure to always call this person to help you when you get the urge to spend, they can talk you through your spending choices to help you make the one that will help your budget best!

8.  Focus On Your Goals

The most important things to remember is to stay focused on your goals.  Set a goal of where you want your budget to be, write it down and then hang it up somewhere so that you can see it regularly.  A bathroom mirror or phone lock screen are great options for this!

When you stay focused on your BIG goals, it’s easier to say “no” to the temptations that come along.

You Got This!

Please don’t beat yourself up for getting off of your budget.  Like I mentioned earlier, it DOES happen, and there IS hope for fixing it.  The fact that you are reading this article shows me that you want to stick to your budget and make it work.  

I know that through a little bit of work, some sacrifice and following these steps you can fix your broken budget!

 

Related Articles:

How To Find Extra Money In Your Budget

How to Make a Zero Based Budget

How To Stop Living Paycheck To Paycheck In 6 Steps

 

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