Wednesday, April 12, 2006
Frugal Habits To Have and To Hold
We began our thrifty marriage almost seven years ago.
At the time, I so bubbled with enthusiasm, I could list a new money-saving trick every day. Now I have to think hard for blog ideas--not because I have abandoned these tricks--but because seven years of practice have ingrained them into our marriage!
Our top frugal habits, in order of importance:
1. Consistently choosing homes and cars below our means. Spending less on our largest purchases gives us big budget flexibility.
2. Considering stay-at-home motherhood a professional career. Practicing home economy as a job instead of a hobby raises the bar for me.
3. Cash budgeting the Dave Ramsey way. We know where our money goes.
4. Food frugalities: since I cook almost every meal, planning around the sales--versus shopping from a preset menu--adds up on a weekly basis. Couponing and cherry-picking a variety of stores fit here, too.
5. Shopping used clothing and household goods first: there is no shortage of high quality, tax free stuff. Yard sales also don't take credit cards. Also keeps us out of the retail market, lessening the temptation for debt and overspending.
I'm sure there are many more--these are the top five used on a daily basis.