ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

Living Frugal To Make Life Easier Later In Life

Updated on August 22, 2013

The Pros and Cons of Frugal Living

All of us want the best for each of us and our families, but some of us have a hard time getting the best of everything no matter how hard we try.

Does the best of everything really mean that much? I used to think so. I thought I would be a much happier person having the best of everything, but things changed in my life and I have found that having the best and most expensive things means nothing, and does not make you a happier person.

I decided living frugal to make life easier later in life would be the best thing for me and my wife, so here is a short summary of how and why I decided to live frugal, and much happier I might add.

There is so much that I wanted in life and tried all different things to achieve these dreams of great living. I had a great job and made good money, but as you might know, many people that do make great money, they spend it just the same as those that get paid less. Not only that, but my addiction to alcohol held me back from making my dreams a reality.

A majority of us all have bills and monthly payments to our creditors, and they might last for many years. The sad part of this is that with those monthly payments comes interest that prolongs getting that loan paid off.

Credit cards is a no no for me now. Sure in my early years of marriage we had credit cards and monthly bills just as everyone else had. To see the balances not going down after you pay and pay on the loan started to make me sick. Paying for the interest first before even starting to touch the principal was a vicious cycle. Each statement that came, there was nothing going down and if so, it was very minimal.


When I moved to the New Jersey Shore almost two years ago, I had a master plan already thought out of how I was going to be able to live by the Sea and yet not have huge bills.

Downsizing my life and my material things were in order. I sold many things to get out of debt and to be able to live by the Ocean and Bay.

I even had to sell my wife's 50th birthday present, (2002 Corvette). Sure the car was awesome and something we both wanted, but I figured that car can be bought again one day, or I should say a car like it. I sold my house that I grew up in and had fond memories of that house, but again, material things.

Now I had no credit cards, no mortgage and no car payments. We started to look around again at the Jersey Shore,, but this time I could buy something that needed work, and yet be close to the water and Long Beach Island We tried many times to get to the shore, but things never worked out for many different reasons. One and the biggest was my drinking of alcohol.

We gave up so much to be able to live our life long dream near the Sea. Material things mean nothing when it comes to being happy. I was certainly not happy even though I had lots of things, play toys such as boats, Corvettes and so on, but I was not happy in the long run, because unless you are rich enough to pay cash for all your material things you will have those monthly payment and interest tacked on each month.

This is why I decided to get rid of everything and live my dream before I was too old to enjoy what life has to offer.

We now live in a double wide modular home with no mortgage. We paid a great price for it, and did a complete re-model. So the home is like brand new for very few dollars. To be able wake up and smell the Bay is worth every bit of what we did when we downsized and decided to just live frugal.

Anyone can do this if you are willing to sacrifice different things. If you are not loaded with money you still have that option to still live where you wish as long as you don't overdue. Live low key and live frugal. I know I am a much happier person now, and I am living just where I wanted to live my whole life.


My New Home Here at the New Jersey Shore


© 2013 Mark Bruno


    0 of 8192 characters used
    Post Comment

    • the clean life profile imageAUTHOR

      Mark Bruno 

      5 years ago from New Jersey Shore

      Kathi - So sorry for the long delay as well in replying to this comment. I hope that is hub helps you as it really worked for me. I had to give up lots, but in the long run it is well worth what I gave up. We are here for a short time on Earth and I refuse to stress over money anymore.

      Blessing and hugs to you Kathi. Keep smiling as I will and everything will be fine.


    • the clean life profile imageAUTHOR

      Mark Bruno 

      5 years ago from New Jersey Shore

      Mike- I am so sorry for the long delay in responding to your comment. You are so right my friend. Those thing don't make people happy. maybe for a short time when they get them, but the thrill is gone and they are back to square one being unhappy. LOL about your daughter and the cardboard box. That is funny! How have you been Mike? I hope all is well with you. Stay strong as I will do the same.


    • Fossillady profile image


      5 years ago from Saugatuck Michigan

      Wonderful Mark, this is a happy, feel good story. You offer some great advise.

      I have a mortgage payment and have struggled making ends meet with the passing of my husband. The interest you have to pay is so depressing . . .

      Keep smiling and writing about your new life of sobriety, Hugs, Kathi

    • english-mike profile image


      5 years ago from England


      I completely agree, We are all brainwashed into the capitalist idea of what is happiness, just look at the mockery of Christmas buying bigger and flashier presents in the pursuit of pleasure. I remember buying my then 3 year old daughter a massive play kitchen and I swear for the next 2 weeks all she was interested in was the card board box it came in, lol I ended up cutting windows in the side of it as a play house for her. I know people who judge others by the car they drive or the designer clothes they wear, and i swear not any of them are happy, if I get that promotion I could buy that new this or that they think. Never realizing happiness comes from within. Take care my friend

    • RadaFrancis profile image


      5 years ago

      I completely agree! :)

    • the clean life profile imageAUTHOR

      Mark Bruno 

      5 years ago from New Jersey Shore

      Marlene, Thank you for your kind words and your comment. You are so right, the more you have the more you want. Never satisfied is so true. I love what I have now and don't want any more. Great health and happiness is the key and I have both, thank God! Thanks for the vote up and awesome!

    • profile image


      5 years ago

      Frugal living is a smart choice. You're so right! Many times people think that the more material possessions they have, the happier and more content they will be and it's not always like that because no matter how rich you are, you always want more, it's like you're never satisfied with what you have. Your new home is beautiful and right next to the shore. voted up++++ awesome!

    • the clean life profile imageAUTHOR

      Mark Bruno 

      5 years ago from New Jersey Shore

      Bill, thanks for stopping by to read. Yes I should of thought of it many years ago, but you know what held me back from fulfilling my dreams. Not anymore...Nothing will hold me back now! Bye Bye demons, you can get off my shoulders now.

      God Bless you my friend.


    • billybuc profile image

      Bill Holland 

      5 years ago from Olympia, WA

      I'm right there with you, Mark! Frugal is the only way to go my friend.

      blessings always,



    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)