Frugal Tips

Frugal tips for all. Simple ways to save and earn.

As if college tuition isn’t high enough, those “evil” professors make you buy textbooks. These textbooks usually cost a hundred bucks or more, so for full-time students who are talking 5 classes, books cost more than $500.

The most effective way to save money on textbooks, according to my ex-classmates, was not buying them at all. studentAmazingly, they somehow passed the classes and got more than D’s for them. Since I have always been a nerd, I didn’t want to do that. I didn’t want to pay several hundred bucks for books either, so I found other ways to save. Read the rest of this entry »

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How to Save Money on Vacation

Jan-9-2017 By Frugal 101

While the most frugal way to save money on vacation is to stay home, it is not always the best way. Everyone needs to get away from work, stress and troubles and have some fun. Here are some tips how to save money on vacation.

1. Wherever you are going, bring your own snacks and even some food if possible. There is no need to spend $2 on a small bag of chips or an unhealthy chocolate bar, when you can bring all these (bought in advance for a normal price) with you. Food from airport food stands or hotel vending machines is way overpriced and often very unhealthy.
The best things to bring along on your vacation are: Read the rest of this entry »

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What is Good Debt?

Jan-2-2017 By Frugal 101

Thousands of Americans are struggling with their debt and are trying to get rid of it. However, some debt is not that bad. Some of it is actually considered to be “good”.

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If you are a procrastinator and think about gifts a few hours before the holiday, this post on quick and cheap gift ideas should be very useful for you.

I have to admit – I am one of these nerds, who thinks of gifts 6 months before the actual holiday and prepares them for at least 3 months prior. My husband is the complete opposite. He usually plans to go to the store the day before the holiday (if he doesn’t forget about it that is) and due to the “irony of fate” something will always happen on his shopping day, so he will end up not going at all. He feels bad about it, because he knows that gift giving is a very important part of my culture, but he just can’t himself. He is the biggest procrastinator when it comes to holidays and presents. Read the rest of this entry »

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Many people mistakenly assume that if the organization they are seeking debt help from is Christian, they are at a lesser risk of being scammed. Unfortunately, the fact that the organization calls itself Christian, doesn’t mean that it is Christian at all.

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I don’t like to spend extra money on things that I can live without, so when a friend of mine told me she bought a bread machine and was highly recommending it, I just nodded and switched the subject.
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People often associate saving money with having to suffer and sacrifice. Power of saving money often lies in learning how to save on small things and make this a habit. I learned that we save a lot of money by simply making some ordinary things last longer. Read the rest of this entry »

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I have been in a very romantic mood lately, so I decided to search the web for tips how to be romantic on a budget. It is amazing how much information you can find just buy using Google. Even though many tips were kind of corny, there were plenty of fresh and original ideas that anyone can implement into their romantic life. Read the rest of this entry »

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How to get out of debt became one of the most important questions within the last year.

Before the recession many Americans didn’t have a problem living on credit and mortgaging themselves to the hilt. The recession not only hit people in the wallets, but opened their eyes on how dangerous living on credit might be. Read the rest of this entry »

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The Internet is flooded with articles and websites which offer the best (according to them) debt relief advice. It is important to realize though that not all debt relief solutions are right for you, so you need to be careful not to get into traps or, God forbid, into more debt.

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