The Frugal Living Blog
"Wisdom for the Young and Old on Industry, Temperance, and Frugality"
This Frugal Living Blog is where I list all the latest page updates, money saving tips, and thrifty resources to Frugalicity.com.
Benjamin Franklin, the innovative founding father and legendary oracle of frugality, once said...
"Human felicity is produced not so much by great pieces of good fortune that seldom happen, as by little advantages that occur every day"
Consider this frugal living blog to be like a distillery for my frequently added "little advantages" and inspirations to empower you in your own frugal pursuit of happiness.
TIP: you can receive automatic notifications of updates and new additions to this website by subscribing for free to my RSS Feed link. (what is RSS?)
Hundreds of Easy Homemade Household Products Recipes for Frugal Living
Extensive list of simple home-made, non-toxic, and more effective product recipes you can quickly make yourself. Safer cheaper than toxic store-bought items
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Almond Oil Uses, Sources, Costs, Household Tips & Remedies
Guide to Almond oil, sources, current price per volume, ways to save money on almond oil, how to make it at home, and some common household remedy recipes
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40 Cheap Beef Cuts for Frugal Meals and Thrifty Beef Dishes
An extensive guide to the best cheap beef cuts with often more flavor and as much nutrients as prime loin cuts, yet without the tenderloin prices
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Hundreds of Senior Discounts for Frugal Retirees and Citizens Age 50 or Older
Extensive lists of Senior Discounts for hotels, cruises, restaurants, stores, travel deals, and much more
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New Amazon Coupon Codes: Uncensored & Avant Garde Tricks of the Trade
Become a Fiscal Zen Master of finding & maximizing Amazon Coupon Codes and deals. Learn from the Yoda of Online Gorilla Shopping Tactics & become a Thrifty Nemesis to Bean Counters & Billionaires
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Simple Frugal Living Wisdom and Money Saving Tips for Liberty and Happiness
Hundreds of simple frugal living tips tried and true for easily saving time, money, energy, health, resources, and space - Frugalicity is where frugality meets simplicity
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Quick Guide on How to Clean Pewter Naturally
Free Non-toxic Sure Fire Ways to Naturally and Easily Clean Pewter Metal Items
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Best Way to Start Investing in Stocks Options Dividends Cryptocurrency
An experienced investor of over 25 years shares advice on the best way to get started trading stocks, options, dividends, and cryptocurrencies
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The Bucket Analogy for Success in Business and Life
Some say cash is king. I say CASH FLOW is king. I find the following super simple Bucket analogy helpful for envisioning cash flow into and out of a household or business...
Your household or business is essentially a bucket with a spigot of cash flowing into it from earnings or sales. But there is also holes in the bucket draining cash out of your household or business from expenses such as mortgage, utilities, insurance premiums, cost of goods, payroll, etc.
If more cash is flowing in than is draining out, you have a positive cash flow situation, so your bucket fills or runneth over, enabling you to grow financial security or to grow your business bucket(s) and/or siphon off more profit.
On the other hand if those cash flow draining holes are too big or there are too many of them or they tend to grow in size, (or your cash flow drops), you can have more going out than is coming in, and so negative cash flow results in the pool of cash dropping in a trend that will inevitably result in an empty bucket (unsustainable financial situation).
The fix is to completely plug some of those drain holes or to more carefully control the flow from some, and to limit the addition of new drain holes (expenses). Or consolidate several drain holes into a new drain hole that lessens outflow (example refinance debt with better terms such as with lower interest and payments). You can also increase the amount of cash flowing in to overwhelm the amount draining out. Preferably BOTH - bring in more revenue while also decreasing expenses, which can create a synergistic rapid improvement in your financial situation.
This bucket analogy is useful for regular families as well as for business owners because every household should be run like a well-managed business, with careful money management based on what is coming in and what is going out. First you must know and track the rate of cash inflow versus cash outflow. Then build in fail-safes for when each rate of flow might unexpectedly deviate from the mean rates. And always be looking for ways to make the bucket runneth over. The best fail safe is to have significantly more coming than is going out and to wisely invest the over-flow to shore up and grow positive cash flow positions.
Many households and businesses are operating hand to mouth, with the level of net cash neither rising or falling. But this equilibrium situation is also precarious because it's likely to have either earnings drop or expenses rise, or both, which can immediately create an unsustainable cash flow situation. It can also mean there is no dry powder to take advantage of opportunities that might come along.
So in business and in life live well below your means and make more hay while the sun shines.
Coupon Codes & Insider Secrets to Finding, Using, & Leveraging Online Deal Codes
Thousands of Coupon Codes at your finger tips, integrated Promocode Database, frugal shopping secrets, 2,000 stores and their secret keycodes for instant savings at checkout, Adios retail prices
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Our Frugal Cooking Tips and Thrifty Meal Planning Advice That Saves Us Thousands
Extensive collection of Frugal Cooking Tips and articles full of thrifty kitchen strategies to help you save money on groceries and whole foods
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Directory of AARP Discounts and Benefits to Save Seniors Thousands of Dollars
Extensive lists of AARP discounts, benefits, programs, and perks for those age 50 and over - learn how to get significant savings on travel, food, shopping, insurance, and much more
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Reviews of Bargain Foods Pelzer SC - Video Tour of Deals Galore
Virtually tour the isles of Bargain Foods Pelzer SC and see the deep discounts on groceries Frugalicity.com found inside
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18 Tips to Save on Meat: Efficient Frugal Grocery Shopping Strategies
Save on meat while getting Tenderloin taste at the Pork Loin price, and insulating your family from food price inflation all the while
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Get a Senior Pass and Turn $10 Into Lifetime Recreational Savings
A Senior Pass is good for lifetime savings at over 2,000 recreational sites across the U.S., and is a no-brainer for great senior citizens discounts
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Caught a Masked Marauder with His Stealthy Paw in the Cat's Cookie Jar #raccoon #gamecamera
Artsy raccoon image showing his stealthy paw snatching a midnight snack
Complete List of All the Best Amazon Cyber Monday Sales This Year
Save Hundreds of Dollars with these Best Amazon Cyber Monday Sales on Electronics, Toys, Baby, Home, Kitchen, Pets, Fashion, & Beauty
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Search Thousands of Fresh Groupon Coupon Codes and Juicy Daily Deals Galor
Why I'm excited about Groupon Coupons, a new frugal shoppers paradise with a massive database of instant savings promo codes and discounts
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Wage Slave Unstuck: A “How I Quit My Day Job” Story!
Wow, can I relate to this! If you too need a helping hand in getting “unstuck” from an unfulfilling day job click the image below for how we did it, and how simple it is for you to do it too...
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How to Save 50% or More - Make Every Day Cyber Monday!
When you shop online you can stack cachback and coupon deals to save HUGE amounts off your purchases. I often save as much as 50% and usually get free shipping too.
Sometimes it feels like stealing candy from a baby. You can't do this technique offline.
I'll often begin online shopping by signing into my free Ebates account. Sign up by following the below link for extra special deals.
Ebates is the leading cashback and deals site on the web. I search for the item or retailer using the top search box on their site. The percents off and other promos can be very juicy, especially today! It's fun finding all those huge percents off.
Save huge at thousands of other favorite retailers too. BUT also consider stacking the savings and cashback awards by paying with a cashback credit card when you checkout on the retailer's website. I usually use my Discover Card for extra juicy percentage off my orders in addition to the savings Ebates automatically awards and tracks when I start shopping there!
So by stacking the cashback and deals like this it is not difficult to frequently score savings of 50%+ with free shipping too! (but be sure and pay off your balance every month...I NEVER pay interest!)
Think about it. When you go through all the hassles of offline shopping..the traffic, the lines, the cramped aisles, ect. you don't get the same level of savings. Offline percent off deals are often a mirage or not nearly as big as what you can get online and by stacking cashback sites and payment via awards cards. So bigger savings, gas savings, time savings, and less stress are all reasons I much prefer online shopping, particularly today which is "Cyber Monday".
Expert Small Business Website Building Service and Lead Generating Systems
Bootstrap Business Driver and Best of breed expert small business website building service for cost effectively driving highly targeted traffic for robust business growth locally and globally
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State Farmers Market Directory and Flea Market Guide from Frugalicity.com
Extensive Farmers Market Finder, including 5,000 entries in 50 states, shopping tips and tricks, greenmarket guide, and sustainable eco-friendly ideas for your family.
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Secrets of How to Make Ground Beef and Hamburger the Frugal Fresh Delicious Way
Tips and Tricks for How to Make Ground Beef and tasty hamburgers - best thrifty lean cuts to use for outstanding flavor, quality, and freshness
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NeatDesk Receipt Scanner - Powerful Budgeting and Frugal Kitchen Tool
Create a digital filing cabinet with all your receipts using the NeatDesk Receipt Scanner to make all your monthly expenses organized and searchable.
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Amazon Coupon Code for Free Shipping
An Amazon Coupon Code for free shipping deals really isn't even necessary. In fact, you and 4 of your other family members can get all-you-can-eat
Extensive Wyoming Farmers Market Directory and Guide by Frugalicity.com
Find your local Wyoming Farmers Market - a Must-See Frugal Hotspot for making a thrifty, fun, healthy, and eco-friendly Frugal Living, WY style.
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