If you have not read my Introduction to Tiny Budgeting, go read that article now. You need to understand what Tiny Budgeting is and how it works before you read this article. Your goal with Tiny Budgeting is to live as inexpensively as possible without sacrificing the quality of life that you need. You don’t
Tiny Budgeting is the practice of living on the smallest possible of budgets. Your goal is to incur as few bills as possible. Frankly, getting to “there” from “here” is the biggest problem for anyone who wants to live a frugal lifestyle. By the time you learn about cool ways to save money you’re already feeling
You would think that reducing taxes and government waste would be a good thing but the Tea Party politicians are slowly dismantling the US economy and they seem to be completely unaware of the stupidity of their policies. Let’s do a little bit of math here to illustrate the problem. Say you have a country
If you rent your home you may not be required to carry Renter’s Insurance but you should, and here is why. Renter’s Insurance acts like homeowners’ insurance for people who don’t own their own homes. Your Renter’s Insurance policy will cover the cost of replacing your furniture, appliances, expensive items like jewelry, and electronics. But
Believe it or not, there has been a trend over the past year among personal finance bloggers. They have been rebutting the traditional “spend less than you make” advice for frugal bugdeters. Instead, they have proclaimed that it is more important to “earn more than you spend”. Some bloggers have gone so far as to
One of the most volatile home expenses for renters and homeowners alike is electricity. If your home is all-electric then you really feel the financial pressure when the weather outside is either very cold or very hot. Although homeowners may have more options available to them, we all have the ability to lower our electricity
If you are looking at a tech industry career sooner or later you will consider moving to one of the most expensive metropolitan areas in the United States: Los Angeles, San Francisco, New York, San Jose, etc. The adjustment to the cost of living in these cities for people who come from less expensive areas
Tax time has come and gone this year and my friends are all on tight budgets because they don’t believe in tax refunds. They are among those “why give the government a free loan” thinkneks who don’t mind increasing the national debt each year. Of course my friends are disgusted with the government for running
It happens to all of us sooner or later. We fall behind in our monthly bills because of some unexpected expense. I had a friend whose heat pump froze up one summer. It had just gone out of warranty and he had to pay $1500 out of pocket to repair the unit. But 2 weeks
If you’re like most people then you have at least four or five friends whom you see very often and trust very deeply. Here is an easy way to save money without having to go by the bank. First, get an envelope. It should be a dark envelope that doesn’t allow light to pass through
Here at Frugal Living, I try to keep up with the latest in personal finance and home budgeting. That might sound like a dry topic, but maintaining a family budget is one thing all of us share in common. So when I learn about something that might help people make ends meet or make a
Learning how to pay your bills on time is a big part of becoming a grown-up. Unfortunately, many grown-ups still haven’t learned that lesson. Frugal living requires on-time bill payments to avoid unnecessary fees or inconvenient service interruptions. Paying your bills late or avoiding paying them at all will only get you in more financial trouble in
