The first step to lower your monthly bills and eliminate the non-essential bills is to review your bank and credit card statements for the low hanging fruit. Lets look a few areas to review. Lower Your Monthly Housing Expense Some people may tell you to refinance your mortgage, move to a cheaper apartment, or get […]

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Do you brown bag your lunch every day?  You might believe finding a good lunch bag would be simple, right?  The perfect bag depends on if you carry your lunch tucked into another bag or carried separately.  Personally, I’m in the one bag camp. I carry a large tote that fit’s my lunch bag, water, […]

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farmers market

Now that I’ve drastically reduced my commuting expense and mastered the brown bag lunch, I’m ready to take a serious look at my grocery spending.  I enjoy grocery shopping, cooking and trying new foods, but that can get a bit pricey. Time to find the right balance. I purchase almost all my food on a […]

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When you hear the  word frugal, do you think  of coupons and thrift store shoppers? I think of frugal as being smart and thoughtful with money and time. I’m one of those who practices a frugal by choice lifestyle, so hopefully, I don’t find myself in a position of frugality by necessity. I have committed […]

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1.) Shop the whole store Yes even those inner aisles. Think about it, the inner aisle are where you find tuna, canned salmon, canned tomatoes, jarred spaghetti sauce, and peanut butter, all good and food, right. Also not all frozen foods are bad, think frozen fruits and vegetables. 2.) Use Rain checks Most grocery stores […]

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bunch of lavender in clear vase

It’s the little and inexpensive things that can make your day that much more pleasant – a flower on a tray, or a beautiful photograph on the wall. Find things that will delight your eye and include them as part of your everyday routine.  Look for the small surprises that make even the simplest thing […]

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