How to save money is no mystery, it's actually really simple once you stop and look at where your money is currently being spent. This is a very basic 'how to' guide about stemming the flow of your cash to help you save money and, hopefully, lead you in the general direction of clearing any debts you may have. Then you are free to build some real savings…
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Great tips and ideas NYK !
ReplyDeleteA real reminder of what we'd all like to achieve.
Rw
Moneysaving is a bit like sailing - we need to be prepared to take the rough with the smooth and there's always someone or something that can rock the financial boat. Some people on board only seem to see the tip of the iceberg while doing little more than scratching the surface of frugal living. They overlook the great bulk of what's right there in front of them, then wonder why they can't stay afloat. What I like to remind such people is that staying afloat is about respecting and understanding all costs, including the hidden ones, as they are what can destroy even the best. Being prepared has to be among the top tips for avoiding money troubles. LOL
DeleteDownsizing our home to one within walking distance of shops, library, churches, medical centre, concert hall, buses and trains means far less car use and an overall reduction in living costs (and improved quality of life). However, I do recognise that this is a long term, initially expensive, life-style change and not a quick-fix.
ReplyDeleteI salute you in your decision to do that. If more people looked at the reality of home being wherever they are, then we probably wouldn't be stuck with such an enormous housing problem. Despite referring to Frugaldom as my forever home, I plan on being out of here and into something smaller and more convenient before getting to the stage of not managing a huge garden, stairs to bedrooms, lack of public transport, a 7-mile round trip to the nearest village store without a car and 40+ mile round trip to nearest supermarket, dentist or hospital. I can only live this lifestyle now because I house share and have scrimped and saved for so long that I have no debts or mortgage. My income has plummeted again, but I still don't class myself as hard core money saver, nor do I class myself as poor or poverty stricken even if I do fall within those categories in a financial sense. LOL
DeleteExcellent post ! I agree with you about "no spend" days, weeks or months; just a distraction from what we should be thinking and planning. I think living alone or at least having no-one in the house to consider from the point of view of finances is a bit easier. Also examining how and why we got into debt in the first place. Your blog is suitable hard-core and you do walk the walk on a very small income and show the rest of us that it can be done.
ReplyDeleteI do walk the walk, that is one thing that nobody can ever accuse me of not doing. I know some who talk/write/blog about such things and come across like perfect domestic goddesses, but I pity them; I don't know what joy they get from manipulating the truth. A good life can be had on the tiniest income and, like you say, it is easier when you don't need to consider the finances of others. However, money saving does rub off on those around you, so I now house share with a well-trained minimal-spender. LOL
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