Breaking the Frugal Rules

ilovecoffee
Photo by lepiaf.geo

I go out for coffee about three times a week. I usually hesitate to admit that, since the Latte Factor has made coffee the epitome of thoughtless spending.

Our coffee budget is about $40 a month, but for us it’s not money lost. We consider it an important part of our budget. We use coffee as inexpensive entertainment that takes the place of eating out and shopping.

I also always buy the good toilet paper (Kleenex Cottonelle).

I don’t mind spending more for better quality food.

I used to think being frugal was spending as little money as possible — but that’s just being cheap. Now I know frugal is being wise with your purchases and spending money carefully to receive the most value.

Frugal inspiration:

Have your views on being frugal changed? What do you feel is worth spending the extra money for?
About Rachel

I write about practical tips that will help you simplify at home. Connect with me on Pinterest and Twitter.

Comments

  1. I love this post! I always seem to be going to and fro in my mind about the spending – when is it consumerism and when is it frugal and when is it just plain cheap? I like the idea of being wise – please write some more on that :)
    Recently I have spent a fair bit on camping gear, mainly because this is an old love revived and I had absolutely no gear at all. While I will get the stuff I would like slowly, the essentials are all bought over the last few weeks… so the extra money for me is on good camping stuff. And coffee – that is always worth spending a bit more on to get the good stuff ;)

    angelvalerie´s last blog post..reframing my life

  2. So true. I sew, and I used to buy the cheapest fabric I could find (usually at Wal-Mart). I finally realized it’s WORTH it to spend more money on a good quality fabric. Sometimes it’s significantly more, but it is always worth it. The same goes for shoes–though that doesn’t necessarily apply to everyone. I need good shoes. Some people can get by with cheap ones (my husband, for instance).

  3. On the surface, going out for coffee three times per week might sound frivolous. But when that simple cuppa spares you from spending $10-20 per outing on dinner, a movie, or some other bit of entertainment, I’d say it’s a pretty good deal!

  4. i heart coffee too. i’m so glad to not be alone.

  5. I love being frugal but I am with you in that there are somethings where quality trumps price every time. For me it’s name brand peanut butter and yes T.P.

    I think being wise with your money is key and spending it where it matters and makes sense for you is very important (and that will be different for everyone).

  6. Thanks for the link, Rachel.

    I have been thinking a lot about “the latte factor” lately and how it’s really only a factor if you’re already inherently bad with your money. Consciously choosing the things that are important to you and fit into your own financial picture is what matters.

    I, too, think there are a lot of frugal purchases that are frugal simply because they are the quality choice over price. I always kick myself if I spend $2 less on something and discover that I was just being cheap and bought an inferior product (garbage bags come to mind).

    I agree about TP also. Gotta get the good stuff.

    Emily@remodelingthislife´s last blog post..Link Love: Baby, It’s Cold Outside Edition

  7. Completely agree with you on buying good toilet paper.

    We spend quite a bit of money on fresh tomatoes, blueberries, and strawberries. And I buy Ghiradelli chocolate chips – they cost more but taste so much better!

    maryanne´s last blog post..Mamafamilias’s crocheted finger puppets

  8. I used to always think I was “frugal.” Even when I was young and I would have a little money to spend, I always wanted to get more for my money and get the most inexpensive things I needed. Now that I have been a SAHM for almost two years, and our finances are more under control, I see what being “frugal” really is. There are some things you have to live without, even though you want them (but they’re not necessary – like that $4 bag of Oreos), there are some things that you don’t need to spend a lot of money on (like frozen peas or toothbrushes) and there are some things you should spend more for because of the quality and usefulness (like a good mattress and cookware). Being frugal is about being knowledgable (and I think sometimes being self-controlled).

    Great post. Thank you!

    Rachel´s last blog post..Stride Rite Review

  9. This is a great post. We also buy the good toilet paper. We keep our favorite Diet Sodas on hand at home. I also enjoy buying quality food for my family. Things we can savor and enjoy. My family deserves the best I can give them and there are some things we just refuse to skimp on. As far as being frugal, we’ve stopping eating out for Lent and hope that transforms into having little dependence on restaurants far into the future. Also, we very rarely spend on clothing and buy only clothing that is affordable, but proven in quality. We’re also examining very carefully things we bring into our home. Will it be beneficial? Or will it just become junk we no longer need or want in a month (or even less)? Sorry for the long comment!

  10. And here’s the opposing view … is it frugal to buy tons of clothes at rock bottom prices but they look trashed after two trips through the laundry?

    Mary´s last blog post..A different idea for using your emergency fund …

  11. I would consider our family wise savers and spenders. We spend money on quality, locally grown food – we don’t eat animal products that carry both a high health price tag and cost more. We buy quality clothing & gear for our outdoor pursuits – hiking, camping and backpacking. But these same clothes have become our everyday clothes so they do double duty.

    But there are lots of things we just don’t buy – disposable products including razors (my husband uses a straight razor) and women’s sanitary products (I use cloth) are a few that come to mind.

    Buying less of better quality has proven to be better for our personal health, our budget and the environment. It’s a win-win all around.

    renee @ FIMBY´s last blog post..String Games

  12. I like your definition of frugal, it is one I have really embraced within the last couple of years. We buy the good papertowels because my baby daughter gets excema and we need to wipe her face after each meal, and these are much gentler on her face then rough paper towels which hurt her face. Well worth the money in my opinion.

    Taylor at Household Management 101´s last blog post..Mar 2, Grass and Mud Stains

  13. Wonderful thoughts that really inspired me to crystallize some thinking that I’ve had over the last few weeks.

    You spurred me to do some writing on the topic and I appreciate it!

    http://goodtrueandbeautiful.blogspot.com/2009/03/cheap-or-frugal.html

  14. Couldn’t agree more! I think being INTENTIONAL about spending is most important. I used to feel guilty for every penny spent on a “nonessential,” but now I feel free to be both wise and still enjoy the purchases I make.

    steadymom´s last blog post..learning: a story box

  15. Diapers.

    I know. I’ve tried. “Live life Luvs”, and all that. Even the non-brand names from the supermarkets. But the quality just takes a nosedive when you remove the Pampers label. I justify it, too, in that with better quality diapers, I have less cleanup- less laundry, less wipes to go in the landfill. Fewer stains- less stain remover used.

    But I make my own coffee, so maybe it balances out!

    Evenshine´s last blog post..Dance Class

  16. Hi Rachel,

    I couldn’t agree more. Sometimes quality trumps price, but you have to decide when it’s worth it.

    Being frugal is a new concept to me, but I’m actively trying. I’ve become (am becoming) more aware of where the money goes, and where it needs to STOP going. For us, buying mostly organic produce is worth the price. But other food items can be the less expensive version.

    I also consider the hidden costs of buying something–the “cost” of storing it, putting it away when left lying around, and the cost to the environment. ($1 bins at Target, for example.)

    Karen Irwin´s last blog post..Lessons from a 5-year old

  17. Well put! I believe that it’s important to spend wisely. It’s also important to have a good life. If you put money and frugality as the top priority, you miss out on a lot of the happy things that could have been there… like spending time with people over coffee.
    Katie

    Katie at makingthishome.com´s last blog post..A Simpler Life Series 3: Just 20 Minutes in the Closet

  18. I think so much of this has to do with personality. And a comment space is not enough room to explain what I mean… but let’s just say that I could not, as a sanguine, live within a tight box where coffees or other small treats were not “allowed.” You have to live within your means and in moderation, but within that: Sip and give yourself grace and room to move!

    Kelli´s last blog post..Ten Reasons I Do Workout

  19. Quality often trumps price at our house. We have been burnt too many times choosing a product because of price only to have to replace it later. We just plan our larger purchases and sometimes we have to wait a little longer to save the money. Our grocery budget is probably a little larger than some people because I would rather spend the extra money on what I consider better food.

    As far as your $40 coffee budget… the key is that you budget for it. It is when people mindlessly spend money on “lattes” that gets them into trouble.

    Kristia@FamilyBalanceSheet´s last blog post..Seven frugal reasons why I’m ready for Spring

  20. I love this. What’s the point of being careful with your money if you’re depriving yourself of stuff that actually brings you pleasure?

    I’ve been holding out on getting a pedicure–it’s winter, it’s silly, it’s twenty-five bucks I don’t need to spend–but you know what? It’ll make me crazy happy, and I’m going to do it this weekend. Thanks, Rachel!

  21. I totally agree with you on the coffee expendentures. My husband and I realized a long time ago that date nights were too expensive for us on a regular basis. A movie? Dinner? Both? Yikes! But a latte and sometimes a scone if we are making it a special date costs a whole lot less than some of the alternatives. And we get out of the house, sit in a place full of ambience and talk.

    I use coffee in place of SHOPPING. I buy my coffee, savor it, and window shop. Way less than buying something while I am shopping but I still leave feeling I had “a moment.” :-)

    melissa @ the inspired room´s last blog post..20 Little Things To Look Forward to in Spring

  22. For me, frugality has more to do with priorities, values and limits than the price of something.

    I don’t economize on food, it’s always local and organic and always purchased at my local independant store. The repercussions of shopping any other way far outweigh the small difference in price. I am blessed to have the option to do so.

    I only have certain amount of dollars each month and I choose to spend them on good food and durable stuff made by people who are treated well. Examples:
    fair trade chocolate is $3 more per pound than the local (and scrumdiddlyicious btw) brand but it’s worth it to me to know that slaves didn’t pick the beans!
    I’ll buy 2 kid shirts from Hannah Andersson (on sale!) rather than 5 from Kohls because I know the cotton is organic and the shirt was made by a person who works in good conditions for decent $ and it will wear like iron.

    Aside from directly voting for representatives and initiatives, where we spend our $ is the most powerful way we “vote on” what kind of world we want to live in. As long as we are responsible and know when to say “well, I’m out of $, time to stop buying stuff until I have more” we are being frugal.

    Sorry for the sermon but it’s town voting day here and I’m all aflutter about Democracy : )

    Sharon, I am inspired by this post, too and may do a bit of writing myself!

    Mary, your are 100% on the money with your comment.

    Juliet´s last blog post..Ordinary Hero

  23. I cannot seem to function without coffee! After seeing your post, I made a second pot for myself. =) Have a great day!

  24. Thanks for posting this. I totally agree with you and I also buy the good TP and spend a bit more for quality food.

  25. Thanks for this post! Some “frugal” blogs frustrate me because they think buying real maple syrup is ridiculous, etc. I spend more on quality food. In the maple syrup example, we’re not feeding our kids high fructose corn syrup, plus pancakes are overall a frugal meal. I buy ghiradelli choc chips, fair trade chocolate and coffee, and $100 shoes, well made shoes. There are hidden costs in cheap products–the labor, the chemicals, how it affects your health. When I wear cheap shoes, my sciatica bothers me. Physical therapy is $300/hour, acupuncture $150 for 2 sessions…I think I’ll buy good shoes instead! And I joke with my husband that I’d rather splurge on a date or night away than pay for a marriage counselor :).

  26. I love this post! And couldn’t agree more that the “latte factor” has become an icon for poor spending. I love to get coffee out a few times a week and it is a happy part of my day that I don’t think I should have to give up. I also spend fairly freely on good quality food and make nice bedding somewhat of a financial priorety.

    Interestingly, I have given up ALL non-essential spending for lent and am learning a lot about my spending habits now that they are under temporary arrest.

  27. This goes along with an article in one of the Tightwad Gazette’s that said, “I don’t care if you are saving up to buy a fleet of snowmobiles, just save”. The whole point in being frugal is so we can enjoy the things we love. You can be more frugal on those things that aren’t important to you. Everybody’s idea of what is important is different, so each to his own!

    btw, my mother grew up in the days of outhouses and the sears roebuck catalog, so she always buys premium toilet paper. Its all in your perspective. LOL

    Debbie J.´s last blog post..A Small Start to Freezer Cooking

  28. I am totally with you on the food – being frugal isn’t about being the cheapest out there. I’d rather eat smaller amounts of something that is absolutely delicious than lots of something that’s just ok. I also don’t want my daughter eating things that have very little connection with real food.
    I love the comment about being intentional – that is really the key. If you choose wisely, and give thought to your decisions, you won’t be as likely to regret them. Cheap things are often just that – cheap – so then you have to ditch them and get new ones. The items I’ve spent good money on usually last and last.
    When I started my company, I waited for my first big client, and then bought myself a bright yellow KitchenAid stand mixer with that first big check. One of the best things I ever purchased. This thing gets more use in our kitchen. It’s one of the ways my daughter and I bond – over making brownies, banana bread and noodles. It cost a lot but it was so worth it. I could have bought a cheaper brand, and one that was white and it would have been a whole lot less. But every time I look at my mixer, and use it, I am happy.
    Excellent post – and I’m with you on the coffee – we order Peet’s on line, and they deliver so we never run out. That would be a real tragedy.

  29. Jill Whitney says:

    Frugality is an individual journey for each person or family, although I think in general frugal people try to conserve resources, reuse as much as possible and are constantly questioning needs vs. wants. When I read today’s post I had to stop and think for a minute about what I do and don’t consider “worth the money”. No, for me it’s not coffee or top of the line toilet paper (although I’ve learned my lesson with on-sale one ply–yikes) For me it’s running shoes and owning a newer car–which I’m sure is totally lame to someone else. But, as usual Rachel, I’m impressed with your thought process.

    I love that Debbie J. has mentioned the Tightwad Gazette because it’s my favorite go-to book on frugality–even though it’s kind of outdated now. The complete set of books is a compilation of thousands of ideas that won’t suit everyone’s needs–but some of it might.

  30. The Latte Factor is kind of a sham. Overall, people get in the hole on LARGE depreciating purchases (like cars, HDTV’s etc) and because of high housing and health care expenses (most foreclosures are due to medical bills, even today), not on coffee or clothing or pedicures. Certainly there are exceptions but that proves the rule, yes? A good video on this subject from Elizabeth Warren of Harvard Law School
    http://www.youtube.com/watch?v=akVL7QY0S8A

    Juliet´s last blog post..

  31. These comments are so thought-provoking! I like how Jill expanded on it by mentioning “frugal people try to conserve resources, reuse as much as possible and are constantly questioning needs vs. wants.” I think that’s why quality is so important for certain things, so you don’t have to constantly replace them.

    Juliet, that’s an interesting program. I’ve also watched her on a PBS program about credit cards a few years ago. I know small things add up, but so often people focus on the small savings while not thinking about the big costs.

  32. And to add to your last comment here Rachel, that’s exactly the conclusion I have arrived at for buying clothes for the girls. AJ (1.5) is moving into 24 month/2T clothes. When I dug through our clothes bin from when Dacey (4) was in that size, I was shocked at how poorly the cheap-y stuff from the Marts had held up in storage. The clothes I paid more for (or that were purchased for her buy her doting grandmothers) look nearly new!

    Last weekend we went out to buy new clothes for Dacey and I was having sort of a mental/moral dilemma about buying brand new clothes for her from our favorite children’s clothing store. BUT having seen how wonderful it is to not have to buy a THING for AJ for spring/summer, I know believe investing in a good clothes wardrobe for Dacey will pay off immensely as AJ gets older.

    Plus, I never pay retail for anything if I can at all help it. Everything we got last weekend was on sale!

    We are ALL ABOUT reusing things around here.

  33. I think the whole distinction between “frugal” and “cheap” is a bit inaccurate–and, as you ultimately conclude (and as many posters have commented), what you’re getting at is that it is important to be smart with your money, and to put your money where it matters to you instead of spending without forethought. Of course, part of the forethought has to take into account those large purchases that inevitably will have to happen, and to make sure you’ve budgeted for both.

    @ Taylor… I “upgraded” the quality of paper towels we used when I started needing to get them wet all the time to wipe off my son’s face, post-meal, but then it occurred to me I had all these teeny baby washcloths we weren’t using much anymore. Repurposed those for post-meal clean up, invested in additional dish towels (especially the small “dish washcloth” ones I don’t ever actually use for washing dishes), and we’ve never gone back. They’re softer, more absorbent, more flexible, cheaper in the long run, *and* good for the environment. ;-)

  34. My not-so-cheap staples:
    - food. Not all good food is expensive, but some things are worth spending a bit more
    - good wool sweaters – I can’t wear acrylic
    - electric appliances – must be durable
    - organic shampoos – the normal ones give me dermatitis
    - pure mineral foundation – it’s the real thing for my face!

  35. Liz,

    I was *this close* to telling a Kitchenaid Mixer story! Too funny.

    Juliet´s last blog post..

  36. I am so on the same page sometimes quality is more important than quantity… My mum loves a bargain and will gift me with 10 pairs of trousers she bought in a factory shop for our toddler – one dollars each… only to discover they all have holes and runs and are pretty unwearable, not to mention why would anyone need 10 pairs of trousers! Why didn’t she spend 10 dollars on a pair of trousers the kidlet can actually wear! I have the same problem with birthdays: she buys heaps of really cheap and nasty toys and if she took the money she could buy one really valuable memorable item. Blimey, I sound so ungrateful – I am not, I just would like my children to have something to remember her by!

    As for food shopping I would rather pay more and buy everyone one yummy organic piece of fruit – say peaches, that I know will get eaten than a tray of well “can’t even use for jam peaches” from the fruit and vegi factory type shop we have here.

    se7en´s last blog post..Sunday Snippet: Helping Your Kids to Read Worthy Books…

  37. as usual, you hit a hot topic for me! we are very frugal, always have been, but with the arrival of children, our thrifting styles have changed away from just wanting what is cheap to wanting less of everything, but for that less to be of the highest quality we can afford. and then we make it last.
    nicola
    which name?

    nicola´s last blog post..blogging friends

  38. I have myself ALMOST convinced that it’s worth it to turn the satellite tv and DVR set-up back on. ALMOST.

    If BKG give it the thumbs up, then it’s a go.

    Will it be worth it? I don’t know. I just don’t know.

  39. I think all of the comments above really said it. I will add this… Our landlord put in the cheapest toilet in our bathroom because it is a rental. We used to buy the softest band TP that I always bought. After calling out a plumber twice to snake the darned thing we took the plumber’s advice to use a single ply paper. I now use the Basic (orange label) by Charmin. I works good for our situation and is also better than the other scratchy one ply papers. I don’t see us changing that one any time soon.

    I also love coffee. I limit myself to the occasional treat because of our budget but it is a nice reward when I do allow it. If Hubs was a coffee drinker we would definitely substitute coffee for dates.

    liz´s last blog post..Group Think

  40. We go out for coffee about once or twice a week. Our favorite is the farmers market where they serve Blue Bottle Coffee http://www.bluebottlecoffee.net/ and Cafe Cole http://www.colecoffee.com/. I love espresso but I’m not going to put down $1000 for a decent espresso machine.

    We plan for it and don’t do it more than a couple times a week. Its something we really enjoy and don’t mind spending a little money occasionally.

  41. Great post.

    Being a conscious consumer and spending one’s money on quality things (durable and timeless in the case of goods like kitchenware, furniture, and clothes or fresh whole ingredients in the case of foods) is usually the best bet for one’s wallet in the long run (less need to for replacement of goods, better health, etc.) plus this is a good thing for the environment, too. .

    Jules @ Lovely Las Vegas´s last blog post..Go Green Las Vegas

  42. Stephen says:

    Here are a few pointers, in some respects a encapsulation of above comments:

    Buy good quality, but buy it on sale.

    Buy only as many as you need and what you need.

    Be frugal in ways that don’t make you feel like a martyr.

    Consciously do without in ways that don’t bother too much. It makes one feel wonderfully frugal–very rewarding.

    Give yourself treats, but make these infrequent enough to be truly appreciated.

    Save for a clearly stated purpose: Security, retirement, a new item, a vacation, etc.

    Avoid consumer interest (things that depreciate) like the plague.

  43. The first item that came to mind was Kleenex brand tissue. I have been doing a lot more generic brand shopping in the past year than ever before & so far I have not really been disappointed with the quality of the product (the taste of some cereals, maybe, but that’s another story…).

    But when it comes to generic tissue, even other name-brand tissue, nothing (in my book) compares to Kleenex. I might be able to get by when I don’t have a runny nose all day. But most certainly, on those days when you can barely get 5 feet away from the box, then it HAS to be Kleenex, hands down. I will buy generic body wash, shampoo, toothpaste, whatever, to be able to “afford” Kleenex, & yes, I almost always buy it on sale, & only 3 to 4 boxes at a time.

    Vicki´s last blog post..Slow & Steady

  44. Ruth Ann says:

    I used to look for shoes for our three kids at WalMart or Target – and I would buy the cheapest ones I could find. But they just don’t last! Holes in the toes, broken straps, cracks in the imitation leather, etc. . . I’m through with the cheapest shoes I can find.

    From now on you’ll find me at the sale racks in moderately priced department stores!

  45. I like Best Foods mayonnaise. For most items, however, I will try the store brand at least once.

    I need a classic leather handbag that is suitable for job interviews, and I’ve scoped out Loehmann’s, Marshalls, TJ Maxx, and second-hand stores. I tried getting a deal, but now I’m going to look at Nordstrom or similar. Sometimes you just have to spend.

  46. chelsea says:

    my husband likes to remind me that sometimes “you have to spend more to save more.” sure, you might buy the cheapest what-have-you but if it doesn’t get used because everyone hates to use/eat it or it breaks after 1 use, then it’s wasted money and you have to invest more money to buy the same thing.

    there are certain things that the generic brand just doesn’t work on [peanut butter, toilet paper, Coke, tuna] but a lot where you never notice the difference [canned veggies, vitamins, kids shoes]. i’ve been an enfamil and huggies devotee for years, but finally braved buying generic [kroger formula and kirkland diapers] and now look forward to saving a lot more on such costly, oft-used, disposable products.

  47. I agree with you on spending more money for quality coffee. I was convinced that I didn’t like coffee because of the stuff that my mom bought when I was growing up. Once I had the good stuff, I realized that I liked coffee just fine, it was CHEAP coffee beans that I didn’t like.

    Condo Blues´s last blog post..I’m Going to BlogHer ’09!

  48. I have found that simple living and frugality go hand in hand. It is more frugal to me to buy a piece of clothing that I will love and wear regularly rather than several pieces that never get worn. I can still break it down and tell you the value of it and how much I can get out of it, but I might choose the more expensive choice.

    I really love this post, Rachel!

    Amy´s last blog post..Notebook Experiments: Can I Make My Hotel Stay Better?

  49. Great timing – I have a blog post in draft titled “No Spending in March” – then realized my alternate title needed to be “No Spending in March except for moving expenses, and what I Need to Finish Secret Projects, and Soccer Pictures” – and it’s only six days into March! I wish I could do no spending, and I’m really not sure exactly how to do so.

    I agree that being frugal isn’t being cheap. If you pay for quality, it will last so much longer then if you buy simply because it’s cheap. I have to remind myself then when buying clothes for myself.

    Tsoniki Crazy Bull´s last blog post..Another Camera Down

  50. Wow – this post provoked lots of thinking from everyone. I so agree with keeping the budget in line, so that you have the freedom to splurge every once in awhile.
    I find myself continually trying to do a check and balance of being frugal vs. being cheap. Sometimes, people (me) who are so into “frugal living” can get into that cheap box and not think long term about certain quality items. That in and of itself is bondage of a different kind. :)

    I chuckled at your coffee budget comment. I tried every bulk brand at Sam’s Club trying to save a few dollars and finally came back to my husband saying, “It’s worth it.” My morning coffee is MY time….Starbucks is SO worth it. :)

    Jen@Balancing Beauty and Bedlam´s last blog post..Yard sale wonder – Painted hutch redo

  51. I took your idea and ran with it Rachel! Have look if your interested : )

    Juliet´s last blog post..Ethical consumption

  52. Great post, as always Rachel!

    We are on holidays interstate at the moment, and blog reading has gone by the wayside until tonight. So happy to see the site changes and to catch up on your posts.

    Back to the topic at hand…..

    Some things are worth paying a little (or a lot) extra for… like toilet paper and (the occasional)tub of ice cream!

  53. Great post! We’re frugal and cheap on the items that don’t matter as much to us and we do this to allow us to have and do the things that do matter to us.

    Thanks for sharing.

    Country Lady´s last blog post..Modest Fashion Week

  54. I definatly think that you have to have some splurges in life. You can’t give up everything or you will just feel deprived and end up spending on something far bigger and probably not all that important to you anyway.

    If you make something a piority and budget for it, like coffe or eating out or movies, or for us, trips to Australia (I know…a big budget item!), then it’s a conscious decision that you are giving up less important things to get what you really want.

    Then, it’s not such a big deal because you choose to only drink coffee at home or take your lunch to work or not wear last year’s sandals instead of buying new ones…it’s a trade off, rather than a constant deprivation.

    MB´s last blog post..Blueberry Muffins (dairy & egg free)

  55. These simple indulgences make being frugal much simplier in my opinion. Thanks for reminding us of that.

    Kelly
    http://www.streifamily.blogspot.com

    Kelly´s last blog post..Friday Fragments

  56. I read an article in Real Simple. They referred to it as being Simple Reasoning. I like that term.
    My husband and I make a great living, live rent and utility free, our contract even includes moving expenses. So, I’m sure you can see we have more disposable income then others.
    We do still look for a bargain, love to do-it-ourselves and put money in savings.

    Rona´s last blog post..My Current Re-Do – The Kitchen

  57. I always say that $10 a week doesn’t sound like much, but it adds up to more than $500 over a year. If you want to spend $500 on drinking coffee, that’s fine, but if there’s something else that you’d prefer to do with $500, you know where to find it. At http://www.slash-your-costs.com, we aim to help people to cut their living expenses by a third, and one of the things we do is look at small costs like these and see how they add up.

  58. I hadn’t seen this post before, but it makes me even more impressed that you have given up coffee now.