ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel
  • »
  • Personal Finance»
  • Frugal Living

Basic Strategies for Frugal Living

Updated on June 5, 2014

Our One Weakness

My wife and I love going to movies. Going to the cinema is our one sinful pleasure, and frugality is kicked to the curb twice a month when we willingly succumb to that sinful pleasure. We owe it to ourselves, and we feel no guilt in spending money on that mindless entertainment.

We can afford to do this because the rest of our lives are dictated by the frugal lifestyle. We believe in spending money based on needs vs wants. We are convinced that the economy will only get worse in time, and we are preparing ourselves for the next great economic collapse.

Still, we love going to movies. Our secret is now public. Mea culpa!

People who know me, and who have followed my articles on frugality, know I am serious about this alternative lifestyle. They know that we raise vegetables, have chickens, and buy nothing new. They know this, and yet I will often get questions asking me how we do it, like there is some magic formula involved that others are not privy to.

There is nothing magic about it. We have simply made a commitment to live a simple life, and we have embraced some basic strategies that really, anyone can embrace, if they are willing to do so.

What are these strategies?

Read on!

The signs of a frugal community
The signs of a frugal community | Source

Reduction of Waste

Needs vs wants….there is the guiding light of frugality. Possessions cost money to purchase. Possessions cost money to maintain and repair. Possessions take up space.

If you want to get serious about living a frugal lifestyle, you can start by getting rid of everything that you do not need.

It is summertime. Have a garage sale. What you don’t sell, take to Goodwill. Get rid of your clutter. You will be amazed by the amount of space you will create when you get rid of items you do not need. Taking it a step further, now that all unnecessary stuff is gone, you don’t need such a large home, so sell and buy smaller….thus lowering your utility costs, lessening your upkeep, and so on.

The three of us live in 1,100 square feet. Once Bev’s daughter heads off to college, we will sell this home and move into something half this size. Why not?

Growing our own food for a healthier lifestyle
Growing our own food for a healthier lifestyle | Source

Cutting Costs

We grow our own vegetables. We grow our own fruit. We raise chickens for fresh eggs. Soon we will raise quail for eggs and meat, and soon we will have goats and begin beekeeping. We do all those things to cut down grocery costs, and to ensure that what we eat is healthy.

Cutting your costs can be done in so many ways. Go solar….insulate your home….plant shrubs for more insulation….shop wisely and look for sales….walk more and drive less. I could write ten articles on how to cut costs...oh, wait, I already have. J

Cutting costs is not difficult. The hard part, for most people, is finding the willingness to do so.

Practicing Self-restraint

Have you ever heard of “impulse buying?” Of course you have, and most likely you are a practitioner of that spending habit. You go into a grocery store with a shopping list, and when you leave you have five additional items you never planned on buying. You go to the mall and buy a shirt you had no intention of buying. You decide, on the spur of the moment, that a pizza sounds much better for dinner than the leftovers you had planned on having.

Practicing self-restraint has everything to do with willpower and determination. It requires committing to a plan and sticking with that plan. Corporations are getting rich because most people are impulse buyers. Great marketing campaigns are based on this reality. Why do you think candy displays are always near the checkout stand of a store?

Reusing to save money
Reusing to save money | Source

Tossing Social Norms to the Junk Heap

This falls under the category of “keeping up with the Joneses.”

You know how it goes. If big is good then bigger is better. Gotta have those status symbols. Gotta own. Gotta own the best.

It is all nonsense of course. It is not necessary to own a home to be happy. One does not have to own three vehicles, and one does not need a $500 barbecue. We do not own a television nor do we own a stereo system. Our home is fifty years old and looks like it, and yet somehow we manage to be happy. I do not remember the last time I purchased new clothes…let me amend that last statement…I do not remember the last time I purchased anything new, and that leads us to our next strategy.

Fifty years old and nothing new inside of it
Fifty years old and nothing new inside of it | Source

Embracing Used and Rejecting New

Repeat after me: new is unnecessary!

Repeat after me: used is beautiful!

We own nothing that is new. Come on over to our house and we’ll prove it to you.

And why?

“New” costs more money.

“New” uses more natural resources to produce.

We are against wasteful spending, and we are against the wanton destruction of natural resources.

End of story!

Fostering a Healthy Community

This is the one strategy of frugal living that is often not mentioned. Frugal living takes us all back to simpler times when community meant something. Neighbors sharing produce, fruit, eggs, and ideas….neighbors bartering and trading necessities….neighbors forming a bond that will last a lifetime….that kind of thinking was once common in America, and those of us who love frugal living want it to return.

I have spoken often of the city of Olympia where I live. I love this city. There is a strong sense of community among many of the 50,000+ citizens here. There is a spirit that is intangible but very much alive, a spirit of neighbors helping neighbors, and everyone looking out for each other. Everywhere you go in this city you see signs of an alternative lifestyle, a lifestyle that says it is okay to embrace a new way of living, and it is not only okay but we will support you in doing so.

Can you even imagine?

A welcoming community
A welcoming community | Source

I’m Not Trying to Convince You

I had someone get upset with me a few months ago. I had written an article about frugal living, and she responded that she likes her extra possessions and sees nothing wrong with the fruits of her labor.

Well neither do I.

If that’s the lifestyle you want then God bless you. I’m not selling so there is no reason for you to defend yourself. I write these articles about frugality for those who are interested in changing, and who are curious about it. If that is not you then have a great life. I have nothing to offer you.

If, however, you are worried about the economy….if you would like to jump out of the rat race….if you would like to gain control of your finances and actually spend quality time living rather than paying for possessions….then I believe this article, and others like it, will help you.

Start small. Do some late spring cleaning and start getting rid of your clutter. Once you have done that, we’ll move on to the next step. Give me a call if you start weakening, and I’ll give you some verbal encouragement. And if you can’t reach me, remember…I love movies…but I will return after the movie ends.

2014 William D. Holland (aka billybuc)


    0 of 8192 characters used
    Post Comment

    • billybuc profile image

      Bill Holland 4 years ago from Olympia, WA

      Violette, we all have our priorities, and we find a way to pay for them. At least by being frugal in other aspects of our lives, we can pay for those things we really enjoy doing.

    • VioletteRose profile image

      VioletteRose 4 years ago from Chicago

      Great tips, it is always nice to live a simple life and much more important not to fall into debts you can't pay. Movies are one of our weaknesses too, but the one I am concerned about is my desire to travel. I love to travel a lot, but vacations always turn out expensive. What we are doing now is taking expensive vacations only once in a while, and going for one day road trips more often.

    • billybuc profile image

      Bill Holland 4 years ago from Olympia, WA

      Kathryn, it is always nice having you stop by for a visit. The good news is that you are busy and working, and that is always a good thing. Enjoy your day and thank you.

    • Kathryn Stratford profile image

      Kathryn 4 years ago from Manchester, Connecticut

      I actually have a day off, and wanted to read one of your articles. I miss the days when I had more time to spend on this site!

      I like your simple suggestions on frugal living, and the reasons why it is a good idea.

      In times past, I have gotten rid of things I no longer needed. It is very liberating.

      Thanks for sharing this with us, and have a wonderful day. It is gorgeous here in CT.

      ~ Kathryn

    • billybuc profile image

      Bill Holland 4 years ago from Olympia, WA

      Ann, I knew it. I suspected for quite some time now that you were a shoe fanatic. LOL My suspicions were warranted and I now feel justified.

      That's okay my friend. I have a weakness for mochas, so I have no room to speak about others.

      And of course, thank you, Ann!


    • annart profile image

      Ann Carr 4 years ago from SW England

      I'm totally on your side here, bill. However, I have a weakness, a terrible weakness. It's called 'shoes'. I know, it's a girlie thing, but there it is. Mind you, I have purchased, over the years, several pairs in the charity shops which were cheap as chips and those are the ones I love the best!

      That aside, it's up to us all to use what we have to its limit, to make and mend, barter and share. That's also what makes life so much more worth living and such fun; communicating and sharing with our neighbours and helping each other.

      Great reminder, as always, bill. I'll try to resist those shoes next time, really I will.

      Enjoy your weekend! Ann

    • billybuc profile image

      Bill Holland 4 years ago from Olympia, WA

      Deb, you always make me smile. We really do have to meet in person some day. What a joy that visit would be. Thank you.

    • aviannovice profile image

      Deb Hirt 4 years ago from Stillwater, OK

      The old days had character, and so much to offer. It was the days when your neighs or showed up on the doorstep with meat from the deer that he just bagged. Another neighbor would come by every time he pulled lobster traps to see if we wanted the crabs that he couldn't sell. We traded produce, fruit, and relishes and jams. It was a way of life, and I am glad that it is not dead. Got any canned apricots? I'll trade you some blackberry jam.

    • billybuc profile image

      Bill Holland 4 years ago from Olympia, WA

      Faith, it sounds to me like you have your priorities in the exact order they should be in. Thank you for mentioning giving to charities. One man's junk is another's treasure, and I firmly believe that. Well, you said it all perfectly, so no need for me to ramble on. Thank you dear friend.

    • billybuc profile image

      Bill Holland 4 years ago from Olympia, WA

      Thanks again, vkwok. We just picked up our quail today...exciting times. :)

    • vkwok profile image

      Victor W. Kwok 4 years ago from Hawaii

      I know a few people who would definitely want to hear about your methods. Thanks for sharing great advice on being frugal, Bill!

    • Faith Reaper profile image

      Faith Reaper 4 years ago from southern USA

      When I think of all the money I wasted over the years when I was young on things I thought I needed, but really I just wanted, and if I could have all of that back, boy I would be set for life LOL. Now, that I am much wiser, I rarely buy anything unless it is something I need. Twice a year, I take inventory of all that is in my attic, closets and such, and if I have not used it in a year's time, it is donated to the Sunshine Center for abused and battered women and children, who are always in need of household items. If something is just pure junk, of course, I just toss it, as I do not want to give anyone pure junk. I learned the Biblical principle instead of having a yard sale and making pure pennies, maybe a quarter here and there and putting all of the stuff out on the lawn and people arriving and banging on your door at 4:00 a.m., Crown Money Matters on Faith Radio suggests that you donate your items to a charity where you will receive a tax exemption or deduction. In the city, when we lived there, the Sunshine Center would actually come to your home and pickup all the items you set out on your porch and leave you a receipt. You fill in the reasonable amount to submit with your taxes the next year. You actually are helping those in need and yourself as well, even though you will not see the dollars until when you receive your tax refund, if you get one. It is a wise decision and all benefit.

      Of course the only items I do keep, are those special sentimental ones that truly mean a lot to me from a special family member or friend.

      We get an endless amount of movies from Netflix. When we were dating long ago, my husband loved going to the movies too, so every Friday night, it was a movie and dinner! That was before the children came.

      We love spending our extra money, when we have any, lol, on the grands and helping others in need.

      Peace and blessings always

    • billybuc profile image

      Bill Holland 4 years ago from Olympia, WA

      I do too, Barbara. I am encouraged by what I see in this town.

    • billybuc profile image

      Bill Holland 4 years ago from Olympia, WA

      Frank, I much prefer the word frugal to cheap. LOL Who wouldn't, right?

    • Barbara Kay profile image

      Barbara Badder 4 years ago from USA

      You know me and that I am frugal. I hope this hub helps future generations catch on.

    • Frank Atanacio profile image

      Frank Atanacio 4 years ago from Shelton

      its funny, we grew up in the generation of waste.. fill up our eyes first and toss the rest... it's good to know that frugal is a better choice of word than cheap.. thanks for the little history and what you do to be....frugal LOL thanks for the share

    • billybuc profile image

      Bill Holland 4 years ago from Olympia, WA

      Flourish, you are very right about Redbox, but I love sitting in a theater. It is my one sinful pleasure...well, that and chocolate. :)

    • FlourishAnyway profile image

      FlourishAnyway 4 years ago from USA

      To me, movies always seem better on Redbox because they're so darn cheap. I do like the movies, too.

    • billybuc profile image

      Bill Holland 4 years ago from Olympia, WA

      Thanks for the honesty, breakfastpop...this is not for everyone and I understand that.

    • breakfastpop profile image

      breakfastpop 4 years ago

      I have to be honest with you, billy, it's too late for me to change now! Having said that, I do find your lifestyle intriguing. Voted up, useful, interesting and awesome.

    • billybuc profile image

      Bill Holland 4 years ago from Olympia, WA

      Thank you Shelley. I will be by to see you latest very soon.

    • billybuc profile image

      Bill Holland 4 years ago from Olympia, WA

      joedolphin, that is the point now, isn't it? Live within our means....and it is necessary for millions of people to learn that. Thank you.

    • billybuc profile image

      Bill Holland 4 years ago from Olympia, WA

      Lea, Bev puts bugs outside as well. I think the quail are safe unless we both have a change of heart...but they do lay wonderful eggs, so they still have their use. I'm on the run right now, so my reply is short, but thank you so much for your friendship.

      blessings my friend, and enjoy that movie.

    • billybuc profile image

      Bill Holland 4 years ago from Olympia, WA

      Small steps for sure, Vellur....just keep moving toward the goal.

    • CyberShelley profile image

      Shelley Watson 4 years ago

      I believe you both deserve your pleasure, you put much back into this world by re-using, re-cycling, not wasting and helping others. Glad you two enjoy your pastime!

    • billybuc profile image

      Bill Holland 4 years ago from Olympia, WA

      Thank you again, DDE. I'm sure you do many of these things already.

    • joedolphin88 profile image

      Joe 4 years ago from north miami FL

      In this economy this is a necessary read. It's just a matter of being able to live within your means really and this article highlights some great way to do so.

    • Sparklea profile image

      Sparklea 4 years ago from Upstate New York

      Billy buc, just getting online quickly as I am headed out for the day...I am taking one of my best friends to lunch for her birthday, and, you guessed it, TO A MOVIE. I am in your movie husband and family gives me movie gift cards as gifts, so I have not spent a dime in months! I am a movie is also my ?vice? along with my caffeine addiction :) We are going to see the comedy "Blended". TOMORROW I have already purchased my ticket to see The Fault In Our Stars. I finished the book, sobbed through it, and I know you have read the book also...I read a review on the movie and the reviewer wrote that people in the theatre were not sniffling, they were sobbing and crying out loud. So if you and Bev go, I suggest Kleenex!

      YOUR HUB is excellent as always and already printed out for my billy buc folder. I often log in my diary, I DON"T NEED ANYTHING IN THIS HOUSE! I, too, want to have a garage sale....Dave works from 5 a.m. until 5 p.m. and I need his help for getting it going. But he has been putting items out on the curb on the night before garbage day...we put out a retro table this week and it was gone in an hour. We love recycling to the needs of others. He put out a big lamp the week before and it disappeared in 10 minutes. So we are starting the process of cleaning out our cellar from hell.

      I love the picture of your house because it radiates love and simplicity.

      God bless and keep the inspiration coming...Sparklea PS: PLEASE don't kill the quail! I just had a 'love for animals and all living things' attack.

      I put bugs outside in the house, I can't kill them with the exception of flies and mosquitoes. PS: I received your email on my i phone, glad you received the picture!

      ONE MORE PS: We are making homemade pizza Sunday night for dinner because we HAVE finished the leftovers! LOVE LEFTOVERS

    • Vellur profile image

      Nithya Venkat 4 years ago from Dubai

      Excellent ideas to cut down on costs but the pizza does more delicious than leftovers but then again it is a question of self control. As you we can take small steps towards a better way of living. Great write, wonderful ideas, voted up.

    • DDE profile image

      Devika Primić 4 years ago from Dubrovnik, Croatia

      Always an interesting and a learning lesson from you hubs thank you.

    • billybuc profile image

      Bill Holland 4 years ago from Olympia, WA

      Oh, Ruchira, I'm most definitely human, with all the foibles that goes with it. :) Thank you!

    • Ruchira profile image

      Ruchira 4 years ago from United States

      honestly there is no problem in going for the movies as long as you enjoy them :)

      Your ideas about frugality rock, and it's totally fine you taking a chill pill cause it makes you human like all of us ;)

      happy thursday, Bill

    • billybuc profile image

      Bill Holland 4 years ago from Olympia, WA

      Well, Vicki, it sounds like you are dabbling in frugal living, and if you decide to go all the way, you won't have that big of an adjustment. Thanks for stopping by.

    • Victoria Lynn profile image

      Victoria Lynn 4 years ago from Arkansas, USA

      I haven't been to a movie theater since 1997. LOL. Not my thing, I guess, but my boyfriend do enjoy watching movies together. We used to rent them. Now we utilize his Netflix! But I do have other guilty pleasures. :-)

      I love reading more about frugal living. My house is probably too big for me and my pets, but I like the space. Maybe one day I'll downsize. I AM working on getting rid of some of the clutter, but I have a ways to go! Too much of a packrat! (Although I don't buy new stuff, either.)

      Excellent article. A good way to live.

    • billybuc profile image

      Bill Holland 4 years ago from Olympia, WA

      It is a lovely way to live, Nell, and I always love hearing about others who do the same. Thank you.

    • Nell Rose profile image

      Nell Rose 4 years ago from England

      I love it Bill! your house is lovely, and I totally understand where you are coming from on this. I tend to buy 'second hand' stuff too, why buy new? my neighbors and me always swap things, do stuff for each other and so on, it's a lovely way to live, nice one!

    • billybuc profile image

      Bill Holland 4 years ago from Olympia, WA

      erinshelby, you raised a very valid point...the less we rely on consumerism, the better off the earth is. Great point and I thank you for it.

    • billybuc profile image

      Bill Holland 4 years ago from Olympia, WA

      Thank you manatita. I do not worry. I know more and more will come around in time. They will have no other choice but to do so.

      blessings always my friend


    • erinshelby profile image

      erinshelby 4 years ago from United States

      You know what I find interesting? The same strategies that are done for frugality's sake often wind up benefiting the earth. I personally find a feeling of relief when I declutter - it's as if a weight has been lifted! Having good things is good, but lots of things? Not necessary.

    • manatita44 profile image

      manatita44 4 years ago from london

      Great ideas Bill.

      Do not worry if some don't see this your way. Anything that works; that makes one's life better and more peaceful is always healthy and useful. God bless!

    • billybuc profile image

      Bill Holland 4 years ago from Olympia, WA

      Brian, all great points. I have written often about the evils of credit. It is amazing how much the average American owes to credit car companies. As for lawns, I am in the process now of eliminating what lawn we have left, and transforming them into mini-orchards. There is always something else I can do. :) Thanks for a great comment.

    • B. Leekley profile image

      Brian Leekley 4 years ago from Kalamazoo, Michigan, USA

      Consider guinea pigs for meat. Google on: guinea pigs Ecuador food

      When you go to the movies, wear a raincoat or spring jacket with big pockets and smuggle in candies and popcorn. But buy some treats at the movie theater, because that is the main source of income for the owner.

      Impulse buying can happen at yard sales, too. The other day I bought a bicycle for $10 even though I already have one. Cheap is expensive if you don't need it.

      One reason to be frugal is to get and stay out of debt. Paying compound interest is throwing money down the sewer. Buying a movie ticket with one's own money may be an expensive but worth it luxury, but buying a movie ticket with a credit card on which one owes thousands at 25% compound interest is a questionable expense. Everything is more expensive when you're in debt, because every penny spent on anything other than to reduce debt (directly or indirectly) means the debt grows bigger.

      The minister at the Unitarian Universalist church I attend has been preaching a sermon series on the "revolution" of growing your own food. A lawn can be turned into a garden that is beautiful and nourishing of body and spirit.

    • billybuc profile image

      Bill Holland 4 years ago from Olympia, WA

      Sherri, I completely agree. We are now faced with learning to live the frugal life or not surviving economically. Sad but true, and thank you for your thoughts.

    • sherrituck profile image

      Sherri Tuck 4 years ago from Virginia

      I love the fact that our society yearns to return to the simple life. People are looking at the ways of past generations in order to find a better way of life. However, there is shame in the fact that society as we know it had to be brought to its knees before people realized this truth.

    • billybuc profile image

      Bill Holland 4 years ago from Olympia, WA

      It really is, Mlilisa. Only one who has had very little would understand that, as you and I do. Thank you!

    • billybuc profile image

      Bill Holland 4 years ago from Olympia, WA

      BNadyn, I love hearing about things like that. Thanks for sharing that story....I love it!

    • billybuc profile image

      Bill Holland 4 years ago from Olympia, WA

      Thank you for saying that, ologsinquito. I think so too.

    • billybuc profile image

      Bill Holland 4 years ago from Olympia, WA

      Cecile, Bev doesn't like garage sales...I when we have one, I'm out there doing it and then she spends the money we make. It is a perfect working relationship we have. LOL

    • billybuc profile image

      Bill Holland 4 years ago from Olympia, WA

      John, I think in your case, more is better. When it comes down to survival and practicality, keeping old stuff to reuse is just good sense. Thanks for sharing about that.

    • billybuc profile image

      Bill Holland 4 years ago from Olympia, WA

      Marlene, I love it when you share those stories. I know, I'm preaching to the choir with you, but I do appreciate you always commenting.

    • peeples profile image

      Peeples 4 years ago from South Carolina

      Great advice. Buying "stuff" just leads to buying more "stuff" to take care of the original "stuff". It's a never ending cycle that is easy to get caught in.

    • BNadyn profile image

      Bernadyn 4 years ago from Jacksonville, Florida

      I think that is such a smart and more practical way to live and enjoying a movie a couple times a month sounds worth it when you live an all around frugal lifestyle. We just cleaned out both our bedroom and the kids' room to make more space and filled three large bins of items that we could do without. We're going to try to re-sell at the consignment stores and if not, donate to our local Goodwill. The kids are enjoying the bigger space they have and actually playing with the toys they like instead of the extra "clutter" they weren't using.

    • ologsinquito profile image

      ologsinquito 4 years ago from USA

      This is good advice and it's good to restrain ourselves from buying things we don't need. There is something off putting about luxury, when so many others in the world are starving.

    • cecileportilla profile image

      Cecile Portilla 4 years ago from West Orange, New Jersey

      We can all learn from you and Bev. Your tips are very practical and may the solution to some of the financial problems that so many are faced with. I have never had a garage sale and will consider one since I have so much junk. Voted up!

    • Jodah profile image

      John Hansen 4 years ago from Queensland Australia

      Hey Bill, you already know that I am on the same wavelength as you regarding frugality and self-sufficiency. One thing we do need to do is reduce the amount of 'stuff' we have. Although we rarely buy anything new we have accumulated so much over the years that we have trouble getting rid of. Being 50km from the closest town, you never know when you may need something and you can't drive all that way to get it. We often swap one thing for something else someone else has though. We don't have enough for random spending so that's not a problem, and our luxury is having lunch out together once per month. Good advice once again. Olympia does sound like a great community.

    • MarleneB profile image

      Marlene Bertrand 4 years ago from USA

      Believe me, every day my husband and I say to each other how happy we are living with less. We look for ways to repurpose things. We see what's happening with the economy and it frightens us. Sure, we can afford to buy things now, but what about tomorrow? The other day, we went to the grocery store and saw limes for $.75 each. On the way home, we made a pit stop to Home Depot to buy a lime tree. Good thing, because the clerk said they are having a difficult time finding lime trees. And, since that lime tree was looking a little "spent" she knocked down the price and threw in a bag of free dirt to help it along. We like bargains. And, it makes us giggle when we get something free.

    • billybuc profile image

      Bill Holland 4 years ago from Olympia, WA

      Sha, I like your style with the donation pile....and when we have one, anything that doesn't sell goes in that pile too. Nothing makes it back into the house. :) Good luck if you have one, and thank you for always being here dear friend.

    • billybuc profile image

      Bill Holland 4 years ago from Olympia, WA

      Hi Lifegate!

      I haven't had pizza in a long time. Thanks for the suggestion. LOL

    • bravewarrior profile image

      Shauna L Bowling 4 years ago from Central Florida

      I so need to have a yard sale! I've got closets full of stuff we no longer use or my son has outgrown (can you say Legos?). The problem I face is my son works all the time. I need him to help me pull stuff out and decide what he wants to keep and what he's willing to give up. I usually give him the incentive by telling him he can keep the money for whatever items of his get sold. This was especially effective when he was younger and refused to give up toys and games he'd outgrown. I'm curious to see if at age almost-22, he's willing to give up his Legos. :-)

      When I have a yard sale, I usually start a donation pile as I'm going thru stuff. Whatever isn't in good enough condition to sell goes to Goodwill or a local church. Then whatever's left over after the sale also gets donated.

    • lifegate profile image

      William Kovacic 4 years ago from Pleasant Gap, PA

      Hi Bill,

      We live on a limited budget, so a little has to go a long way. I think self-discipline is the key, but rather than go to movies we eat out a lot, and for sure more than we should. Still we get by, but I am addicted to the Pizza Shop around the corner.

    • billybuc profile image

      Bill Holland 4 years ago from Olympia, WA

      Thank you Carol! I greatly appreciate you stopping by. I know you are busy but you always manage to show me loyalty, and that means a great deal to me.

    • billybuc profile image

      Bill Holland 4 years ago from Olympia, WA

      Thank you Dora! We all have to have a wicked pleasure in life, right? :)

    • carol7777 profile image

      carol stanley 4 years ago from Arizona

      The biggest thing is wants vs needs and avoiding random spending. When we say we need it is more often what we want. Some really good advice here...and worth reading and following. Thanks for a great hub with doable and useful ideas.

    • MsDora profile image

      Dora Weithers 4 years ago from The Caribbean

      Great that you and Bev love to splurge on the same thing. That must be real fun! Good that you also share your passion for frugal living. I know that I'm learning from you. Thank you for sharing very practical tips.

    • billybuc profile image

      Bill Holland 4 years ago from Olympia, WA

      Janine, we all need sinful pleasures, right? For you it is charm, movies. :) Thank you my dear.

    • billybuc profile image

      Bill Holland 4 years ago from Olympia, WA

      Brian, what's up with that dog???? Everyone needs to get on board. LOL Thanks for the laugh.

    • Janine Huldie profile image

      Janine Huldie 4 years ago from New York, New York

      I love that you admitted loving movies and spending on that here. Seriously, you always do offer some great tips and you know I try to take you up on some of it as I can. Thanks Bill and Happy Thursday!

    • World Earth profile image

      Brian OldWolf 4 years ago from Old Wolf Cottage

      I enjoyed this. My partner and I use the same strategy, the only problem we have is getting the dog to agree. Brian


    This website uses cookies

    As a user in the EEA, your approval is needed on a few things. To provide a better website experience, uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

    For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at: ""

    Show Details
    HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
    LoginThis is necessary to sign in to the HubPages Service.
    Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
    AkismetThis is used to detect comment spam. (Privacy Policy)
    HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
    HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
    Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
    CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
    Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the or domains, for performance and efficiency reasons. (Privacy Policy)
    Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
    Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
    Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
    Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
    Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
    VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
    PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
    Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
    MavenThis supports the Maven widget and search functionality. (Privacy Policy)
    Google AdSenseThis is an ad network. (Privacy Policy)
    Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
    Index ExchangeThis is an ad network. (Privacy Policy)
    SovrnThis is an ad network. (Privacy Policy)
    Facebook AdsThis is an ad network. (Privacy Policy)
    Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
    AppNexusThis is an ad network. (Privacy Policy)
    OpenxThis is an ad network. (Privacy Policy)
    Rubicon ProjectThis is an ad network. (Privacy Policy)
    TripleLiftThis is an ad network. (Privacy Policy)
    Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
    Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
    Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
    Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
    ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
    Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)