Smart spending is all about using your money wisely — it is about reducing your expenses and making good buying decisions. Basically, these articles cover everything you need to know to make the most of your money. Additionally, check out these related sections: budgeting, taxes, and insurance and risk management.
Smart Spending is a part of expense management.
When it comes to money saving ideas, some people go way out of their way to save a dime while others casually use products that cost hundreds of dollars. For example, is it worth drying a piece of Saran wrap? Some folks (mostly from a previous generation) would put the wrap on the window to … Read more 11 Money Saving Tips for Parents with Babies
If you read enough personal finance blogs, you’ll see a common theme and the number one answer to your financial dilemma — “Spend Less than You Earn.” Unfortunately, it’s easier said than done; otherwise, we wouldn’t have this rampant debt problem in our society. Fortunately, I went through this myself, and over the years, I’ve … Read more The Secret to Spending Less Than You Earn
We are inevitably going to be divided into two groups — the people who can’t live without their gadgets, and those who believe that the saturation of gadgets in our everyday lives has simply made things more complicated. However, we can all agree that there is a place in our lives for the gadgets which … Read more 21 Money-Saving Gadgets That Pay for Themselves
With Halloween just around the corner, it’s time to start thinking of ways to fashion a costume that is creative without being expensive. I’ve created a list of 25 Halloween costumes that can be made with things you have around the house and maybe a purchase or two from the dollar store. Some of these … Read more 25 Cheap Halloween Costumes
There are a lot of different ways to save money… and because of the current state of our economy now-a-days we are hearing more and more money saving tips on main stream media. The tips commonly addressed by the media are solid, but today I would like to challenge you to take your frugal living … Read more Save Money and Benefit with Homemade Products
In challenging times, we are always looking for ways to reduce our expenses. But often, the last place we think about cutting costs is the best place to save some money. One example of this is your monthly cell phone plan — a great opportunity to reduce spending without significantly changing your lifestyle. Adjusting Your … Read more Using TracFone Prepaid Cell Phones to Reduce Your Monthly Bill
I’ve never owned a vehicle. It’s awfully inconvenient to not be able to drive around. My commute takes twice as long via bus than if I were to drive. Going to grocery store is a pain, and I have to align buying toilet paper with the generosity of friends. Going out for dinner with my … Read more How I Save $8,535 Per Year By Not Having a Car
Our seven years old GE Profile front load washer finally died on Saturday night. Everything was working fine until the last two loads when it starts to make loud knocking noise during the spin cycle. At first, I thought it was a load balance issue, but the noise persists. The shredded plastic pieces it spewed … Read more Should You Repair Old Appliance or Buy a New One?
Spending less than you earn is a core component of good money management, and a vital part of any wealth building strategy. This guide is intended to provide readers with ideas, how-to’s, and resources on frugal living and expense reduction. It will explore aspects of frugality and provides practical ideas on how to save money … Read more The Frugalist Expense Reduction Guide
Maslow’s Hierarchy Of Needs is a theory in psychology conceived by Abraham Maslow in 1943. The theory first appeared in his paper A Theory of Human Motivation. Maslow’s Hierarchy Of Needs is typically represented as a pyramid consisting of five levels — i.e., physiological, safety, love/belonging, esteem, self-actualization as the one shown below. Maslow’s … Read more Maslow’s Hierarchy of Needs and Frugality