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By W. M. Blake
Living thrifty is often equated with boredom and misery. This doesn’t have to be true, though, because even the thriftiest individual can derive true happiness from life; they don’t have to be a stingy scrooge. A thrifty person tends to live debtless with money to spend and the freedom to do so.
Frugal and thrifty people make wise decisions, not stingy ones. A frugal person has learned through experience how to find bargains and patiently wait for sales so that they make purchases that are best for them financially. Above all, a thrifty person is always adding to their savings.
Living thrifty brings a plethora of benefits, the first being financial security. Instead of blowing money, they wait to go on vacation, buy things they want, and otherwise spend money wisely so that they always have savings to fall back on.
Spending less money means that a thrifty person doesn’t require the same income to sustain their habits that a less frugal person would. That leaves them freer to enjoy life. Their work schedule thus is less restrictive, possibly even allowing them to work from home in pseudo-retirement.
Buying with cash continues to be the best way to negotiate large purchases in your favor, a fact known very well by the frugal buyer. A thrifty lifestyle allows you to save up cash for those big purchases in life instead of just making a rash decision to spend large amounts of money. Making high cost purchases with cash in hand and a well thought out plan will let you dominate negotiations over price.
Living thrifty does not have to be difficult. It is easier, however, to become frugal with the help of family members. Talk to your family before you start making changes towards a thriftier lifestyle.
Eliminating credit card dependency is the first step in making yourself a more frugal person. Buy with cash instead. Don’t buy anything without first sleeping on it. A twenty-four hour purchase waiting period will help you make sure you aren’t buying something just out of emotion.
Thriftiness can be associated with a happy life filled with freedom, security, and a true sense of appreciation for the things you have been able to acquire.
About the author:
Before you choose debt consolidation to get yourself out of debt, you need to know whether it’s your best choice. Find out what you need to know BEFORE consolidating your debt on the Debt Smackdown website at http://www.debtsmackdown.com
By Kathleen Wilson
Fall is the perfect time to make some easy changes to your home, inside and out! Decorating for fall doesn’t always mean putting up the scarecrow, or taping the kids fall leaves to the living room window. Here are some easy, quick and cheap ways to update your home decorating for the colder months ahead.
1. Inside and outside of your home, take a few minutes to do some decluttering. Every season has its amount of clutter and the summer is no exception! Time to put away the kiddie pool, pack up the beach towels, and put away the flip flops lining the entryway! Make sure you have designated a place for the kids backpacks and school papers, and set aside a place in the kitchen to store the lunch boxes, water bottles, and the like. Get ready now with a little organization, and your home will show its full potential throughout the season!
2. Warm up your rooms by bringing in the layers! Throw rugs on the floors, throw blankets on seating, use pillows and layered tablecloths, placemats, and table runners. The layers of fabric add warmth and charm, and you probably have a lot of what you need right in your linen closet! Quilts can cover tables, cloth napkins can be made into pillow covers, sheets can double as tablecloths.
3. Add some layers to your windows as well! Cheap muslin from the fabric store can be twisted and wrapped around existing window treatments to add no sew warmth and character. Add a valance, layer mini blinds under your curtains, or add decorative tiebacks. (No need for anything fancy and expensive, try silk flower vines, raffia, bandannas, textured yarn made into tassels or velvet ribbon, depending on the style of your decorating.) Remember, for the darker winter months its more important than ever to let as much light in as possible. If you haven’t already done so, remount your window treatments so that when open, they clear the window…even a couple of inches of blocked window light can make a HUGE difference in the feeling of a room. And its free!
4. Outside your home, its time to do a yard cleanup and check your curb appeal. Easy and cheap things to up your autumn season curb appeal? Paint your front door a warm rich color. Deep cranberry, rich chocolate brown, or deep navy all go well with most color schemes, and bring the eye to the entrance of the home for a quart of paint! Add a simple flower planter next to your front door with fall annuals such as mums (for sun) or pansies (for more shady spots). Clean up any weeds or trash, cut the lawn, and trim back overgrown bushes, hedges, or trees. One final outdoor pick me up? Add one window box under your front window, and fill with fall mums. This is an inexpensive project, but it adds more curb appeal than almost anything else you can do. One weekend, and your home catches the eye of everyone who passes!
5. Finally, add some spirit of the season. Perhaps you know a neighbor who has squash overflowing their kitchen? Offer to take some off their hands and display it piled on the porch, or stacked in a wheelbarrow. (Tuck a small pot of mums into the stack for a special fall touch!) Pick up some candles from the dollar shop or discount store and use them nightly for your family and yourself. Pick up seed pods, pinecones, and acorns on your family nature walks and start a nature jar to display and keep as a memento of your year. Line a serving bowl with a cloth napkin or fabric remnant, and fill with apples and pears form the grocery. Set out small dished with cinnamon sticks and cloves to sweeten the air with the fall feeling.
Easy, inexpensive, and fun ideas to bring the season into your home!
About the author:
Want free home decorating ideas? Kathy Wilson is an author, home decorating columnist for LifetimeTv.com, and editor of several popular home and garden websites. For hundreds of free do it yourself home and garden ideas, please visit her websites now at http://www.TheBudgetDecorator.com and http://www.DecoratingYourSmallSpace.com
Frugal Simplicity is giving away a free credit help and credit repair ebook, 101 Powerful Tips for Legally Improving Your Credit Score.
There are many misconceptions about credit scores out there. There are customers who believe that they don’t have a credit score and many customers who think that their credit scores just don’t really matter. These sorts of misconceptions can hurt your chances at some jobs, at good interest rates, and even your chances of getting some apartments.
The truth is, of you have a bank account and bills, then you have a credit score, and your credit score matters more than you might think. Your credit score may be called many things, including a credit risk rating, a FICO score, a credit rating, a FICO rating, or a credit risk score. All these terms refer to the same thing: the three-digit number that lets lenders get an idea of how likely you are to repay your bills.
Every time you apply for credit, apply for a job that requires you to handle money, or even apply for some more exclusive types of apartment living, your credit score is checked. In fact, your credit score can be checked by anyone with a legitimate business need to do so. Your credit score is based on your past financial responsibilities and past payments and credit, and it provides potential lenders with a quick snapshot of your current financial state and past repayment habits.
In other words, your credit score lets lenders know quickly how much of a credit risk you are. Based on this credit score, lenders decide whether to trust you financially - and give you better rates when you apply for a loan. Apartment managers can use your credit score to decide whether you can be trusted to pay your rent on time. Employers can use your credit score to decide whether you can be trusted in a high-responsibility job that requires you to handle money. The problem with credit scores is that there is quite a bit of misinformation circulated about, especially through some less than scrupulous companies who claim they can help you with your credit report and credit score - for a cost, of course.
From advertisements and suspect claims, customers sometimes come away with the idea that in order to boost their credit score, they have to pay money to a company or leave credit repair in the hands of so-called “experts.” Nothing could be further from the truth. It is perfectly possible to pay down debts and boost your credit on your own, with no expensive help whatsoever. In fact, the following 101 tips can get you well on your way to boosting your credit score and saving you money.
By the end of this ebook, you will be able to:
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Plus, unlike many other books on the subject, this ebook will show you how to deal with your everyday life while repairing your credit. Your credit repair does not happen in a vacuum. This book will teach you the powerful strategies you need to build the financial habits that will help you to a keep a high credit risk rating. It really is that simple.
Start reading and be prepared to start taking small but powerful steps that can have a dramatic impact on your financial life!
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Free Ground Beef Recipes Cookbook Ebook
Get our free Ground Beef Recipes cookbook ebook when you join our Recipesology Recipe Group! It’s free, it’s yummy, it makes cooking dinner even easier!
Come on over and spread the word to your friends.. plus get the free cookbook! The link to the cookcook will be sent automatically to your email when you join plus you can get it in the files section of group anytime. We have tons of various cookbooks and will be giving away new ones all the time to members… FREE!
Recipesology Recipe Group
http://groups.yahoo.com/group/Recipesology
Recipesology offers recipes, cooking tips, and information about cookware. Find recipes for cakes, desserts, pies, main dishes, beef, chicken, casseroles, holiday recipes, frugal recipes, entertaining, beverages, pork, gourmet cooking, vegetables, low calories, fat free, sugar free, copycat recipes, bread machine recipes, pastries, pasta, gifts in a jar, and much more.
Recipesology Recipe Group
http://groups.yahoo.com/group/Recipesology
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Copyright 2000 to 2008 by Cindy Thomas, editor of Frugal Simplicity
Frugal Living, Frugal Living Tips, Frugal Recipes, Better Budgeting, Money Saving Tips, Frugal Column, Simple Living, Budgeting Tips
