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Best Frugal Living in 2021

Frugal living ideas to try in 2021

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 2021? These frugal living ideas to try in 2021 will get you started on the right financial path and let’s face it, 2020 was a tough year for most of us. If you tried frugal living tips in 2020, you may need more frugal hacks for  2021.

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 2021 will help you get started and allow you to put money in the bank this year.

What Frugal Living Is Not

Frugal living is often confused with being cheap. Yet, frugal living does not mean being cheap or miserly. In fact, it is quite the opposite. Frugal living is learning to live below your means, so you can build up your money. Here are some things that are NOT frugal:

  • Buying Cheap products over quality
  • Depriving yourself of your favorite things
  • Not living life
  • Never doing anything because you have to pay
  • Extreme measures to save money such as driving around town to save a dollar

 

✅ Need a safe place to start an emergency fund or savings account? Learn why we recommend CIT Bank with their above-average interest rates.

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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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