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Frugal Living in 2020

Frugal living ideas to try in 2020

The best frugal living tips and hack to help you save more. #frugallving #savemoney
The best frugal living tips and hack to help you save more

Are you looking for ways to save money in 2020? These frugal living ideas to try in 2020 will get you started on the right financial path.

Saving money isn’t the easiest thing to do, so I suggest -like any new habit – you should start small. Find some small areas in your budget you can fix and then continue working on your finances from there.

I also suggest finding ways you can fit in small splurges so you don’t miss out on the things that are important to you in life.  For example, if you are not that into home decor, skip decorating your house for every Holiday and keeping up with house decorating trends. Yet, if you love Starbucks coffee, leave room in your budget to treat yourself once per week and make your coffee at home the rest of the week. Therefore, you will not feel deprived and give up.

It is easy to fall into the debt trap in today’s world. Almost anyone can get a credit card and card companies make millions off of people that fall behind and wind up paying interest and late fees. To avoid this, try paying cash in the new year and use a cash envelope system. Use these labels to get you started.

What is Frugal Living?

Frugal living is a state of mind. Instead of splurging and spending, find ways to cut back and save on everyday purchases. These small amounts of savings start to add up and enable you to pay off debt, save for an emergency and get ahead in life.

According to business insider, one of the traits of becoming a millionaire is learning to be frugal. (Source: business insider) This research was taken from the book “The Millionaire Next Door” by Thomas J. Stanley, Ph.D. and Sarah Stanley Fallow, Ph.D. who interviewed over 600 millionaires for their research.

Often people do not realize many millionaires live frugally. In fact, you would not even know they have money in the bank. Yet, the people buying luxury cars and houses they cannot afford, seem to be rich. And unfortunately, many are drowning in debt. It is funny how appearances can sway our thinking.

Use frugal living as a way to start living below your means and saving more money. These frugal living tips for 2020 will help you get started and allow you to put money in the bank this year.

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Rustic Farmhouse Christmas Decor Ideas Under $25

Rustic Farmhouse Christmas Decor Ideas Under $25

Rustic Farmhouse Christmas Decor Ideas Under $25
Rustic Farmhouse Christmas Decor Ideas Under $25

Rustic Farmhouse Christmas decor reminds me of my childhood. My grandma always had a Christmas city, a wreath on her door, and cute little wooden signs around her house. I remember how warm and inviting her house felt at Christmas time.

What Christmas decor look are you going for this year?

I personally love all of the rustic farmhouse Christmas decor ideas I keep seeing in stores and magazines. However, if you aren’t careful, you could end up spending WAY more than planned and blow your Christmas budget because decorating your house for Christmas can really add up.

And most of us are already spending more than usual on Christmas presents, Holiday parties, and travel so spending a lot on decorations isn’t going to work.

I personally prefer to buy items after Christmas when store sales are at their lowest. I have started to build up a collection of Christmas decorations shopping this way.

However, all the items included in my list below are under $25 so it should be easy to find something affordable.

Therefore, if you are just starting out or changing up your look to farmhouse rustic, these budget decorations can definitely get you started this year. 

The best part, they are all under $25 and can be shipped right to your front farmhouse porch. 

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How to Score Free Makeup and Free Makeup Samples

Do you want free makeup?

How to Get Free Makeup with these tips. Getting free makeup and free makeup samples is not as hard as it sounds. #freebie #free #makeup #deals
How to Get Free Makeup

 

If you are a girly girl, getting free makeup sounds like a dream come true! And let’s be honest, if we are buying name-brand makeup it can get pretty darn pricey.

What if you could get free makeup? This would totally make “up” your day! Pun intended!!

And every time I hear the word FREE I get all giddy!

Yes, getting my makeup for free would be the cherry on top of my dark circles and uneven skin tone! HA!

Not to mention,  I’m like a kid in a candy store when I walk into Sephora or Ulta. But… then I look at the makeup prices, turn around and walk out (scowl) – that is unless I have a gift card. -thanks, mom!

 Check out my favorite ways to save money below:

Rakuten –  Formerly known as Ebates, Rakuten is a money-back site that rewards you for doing something you already do: shopping online. Click through Ebates before you shop online and you will receive a percentage back of what you spent.  How it works: They make money by referring you to shop at a store and then share their commission with you. The best part is it costs you nothing. Also, they have thousands of the BEST stores to choose from including Target, Kohl’s, Best Buy, Priceline, Macy’s, Petco, Bed Bath & Beyond, Groupon, Amazon and so much more. Sign up through my link and receive a $10 bonus just for signing up! Read my Rakuten Money-Saving Review here.
Ebates Coupons and Cash Back

Ibotta Ibotta is an awesome money-saving app that allows you to receive rebates for stuff you already buy. All you have to do is find your store and search the available rebates for that week. Once you find your rebates, start shopping. Next, send your receipt by taking a picture and uploading it which is super easy. I suggest doing this right when you get home from the store so you do not forget. It is as easy as taking a simple picture and clicking your rebates! Ibotta has recently added some online shopping to their app as well, so you have more options. Use my link and receive a $10 sign up bonus when you redeem your first rebate! Read more about Ibotta here: Ibotta, Awesome Rebate and Money Making App.

 

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3 Simple Steps to Slashing Your Bills

3 Simple Steps To Slashing Your Bills

Are you spending too much money and finding it hard to get ahead? If you overspend and are looking for ways to save money, you are going to love this guest post by Jon Dulin from MoneySmartGuides.com.  Check it out here:

3 Simple Steps to Slashing Your Bill - Learn how to slash your bills and take your financial planning into your own hands #budgeting #budgets #savemoney
3 Simple Steps to Slashing Your Bill

If you are like most people, money always is tight.

No matter what you do, it seems that you are struggling to get ahead financially.

Chances are you haven’t tried the trick I am about to teach you.

I have found there is one trick that I use that saves me the most money.

It does take a little bit of work to set up, but once you do, it becomes a habit.

If you are willing to put in a little work, you will be amazed at how much money you can save using this trick.

And once you make this savings trick a habit, you can begin to use other ideas to cut your monthly spending to save even more money.

Are you ready to get started?

The simple 3 step process is outlined below:

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How to Get Ready for Christmas and Stay on Budget

How to Get Ready for Christmas and Stay on Budget

How to Get Ready for Christmas and Stay on Budget - Do you end up using credit cards at Christmas time every year? Learn how to plan ahead and get ready for Christmas but also stick to your budget. #Christmas #Christmasbudget #Budget

It is that time to start thinking about the Holidays. And yes, learning how to get ready for Christmas can help eliminate stress in your life and your budget. Let’s face it, Christmas can cause a huge strain on your budget if you are not prepared.

According to a study by the National Retail Federation, consumers will spend $1007.24 on Christmas this year, which is up 4.1% from last year.

Regardless, it is best to make a plan and be ready now before it gets too close to your family parties and the actual date. If you wait you end up becoming a last-minute shopper and most likely spend more than what you were planning because at that point you have no choice.

If you want to take the stress out of the Holidays, it is best to prepare during November. In fact, this year, I am planning on finishing and wrapping all of my presents before December 1st. The only way for this to happen is to be prepared.

I have been planning my Christmas budget all year and I save certain accounts specifically for Christmas present and activities. The two main sources of my Christmas budget are from my Ibotta earning over the year and my Poshmark earnings. I am also selling on Facebook and have put my earnings in a cash envelope specifically for Christmas.

A few other side hustles I have done to set money aside for Christmas are VIPKID (currently making the most here) and User Tester (love this one, but can’t always qualify for tests so  haven’t made that much.)

Anyway, the reason I am mentioning my side hustles in this post is to show you I consider this extra money and I am setting it aside for Christmas. If you haven’t saved over the year and are finding yourself falling short, consider going through your house and finding items you no longer want or need and selling them to give you an extra cushion.

You could also consider doing something part-time before the Holidays. I’m not suggesting you need to go over the top, but these are just ideas if you need extra money. I recommend only buying gifts you can afford or possibly making gifts if you are super short on cash.

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How to Enjoy Luxuries in Life on a Budget

Luxuries in Life (on a budget)

How to enjoy the luxuries in life on a budget #savemoney #budget #moneytips
How to enjoy the luxuries in life on a budget

Are you sick of hearing your friends talk about going to the spa? And they always seem to have the cutest outfits, shoes, and purses? Meanwhile, you are on a budget and can’t even afford a cup of soup at the fancy restaurant they went to last weekend.

Maybe you are frugal and don’t find the value of spending money on luxuries or you are in a habit of taking the bottom for yourself because you don’t feel like you deserve luxuries in life. However, you do deserve luxuries and you don’t have to spend a small fortune to give yourself life’s fullest comforts.

Yet, even if you are on a budget you can still enjoy the luxuries life has to offer. With the list below you can save money and still enjoy life. Are you ready to enjoy the luxuries in life on a budget?

In this post you will learn about enjoying luxuries in life on a budget in the following categories:

  • luxuries at home
  • designer clothes and accessories
  • fancy hair care
  • big-ticket items

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