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My Frugal Life

Updated on February 2, 2015

This is my first hub, so I'm going to keep it short and sweet. It is really just an introduction to me and my frugal beliefs.

I grew up poor, and learned from my parents and grandparents that you don't need a lot of money or a lot of things to be happy. I've always tried to find ways to use my money to its best advantage, whether it's shopping at thrift stores or growing my own food.

I've developed ways to save money that some may think are a little extreme, but it gives me so much more time to enjoy life. I hope you will join me on my frugal journey. Hopefully, we can learn from each other as I take you along with me to all the corners of my journey to spend less and have more.

How Frugal Are You?

Do you have a limit on what you will spend on certain items?

See results

Some Frugal Tips

Shocking Fact

Did you know that the majority of people in the U.S. spend 130 to 200 percent of their disposable income every year? Most people have from three to five credit cards and at least one is charged to the limit.

Don't Live on Your Credit Cards!

I have one credit card. I use it for emergencies, to purchase plane tickets and to rent cars. I always pay it off at the end of the month if at all possible.

If you find yourself having to buy necessities such as food and clothing with your credit cards, or getting cash advances to pay your bills such as rent or utilities, and you aren't doing it to earn points and paying it off at the end of every month, you are in financial trouble.

The best thing you can do is cut up all but one of your credit cards and pay them off as quickly as possible.

Credit Card Quiz

How many credit cards do you have?

See results

Frugality is one of the most beautiful and joyful words in the English language, and yet one that we are culturally cut off from understanding and enjoying. The consumption society has made us feel that happiness lies in having things, and has failed to teach us the happiness of not having things.

— Elise Boulding

These Are Just a Few Tips

I'll be posting many more tips for living a frugal, debt-free life. I hope you enjoyed this article and will subscribe to read more.

Frugality Challenge

I challenge you to cut your spending by at least 10% over the next month by only buying what is absolutely necessary. Let us know how you do!


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    • Amie Says profile image

      Amie 3 years ago from U.S.

      peachpurple, good for you! I do use a debit card, but I always know exactly how much is in it and only spend what I have to.

    • peachpurple profile image

      peachy 3 years ago from Home Sweet Home

      i never use credit cards or debit cards, just use cash, limit myself

    • Amie Says profile image

      Amie 3 years ago from U.S.

      Thanks for the welcome!

      Amen to that! I don't have a lot of land, in fact, right now I'm living in an apartment without a yard, but I have a community garden plot and grow a lot of herbs on my patio, so I'm good. I always tell people that even if you only grow one tomato bush, you're saving money.

    • colorfulone profile image

      Susie Lehto 3 years ago from Minnesota

      I cut up my credit cards years ago. I didn't need them or more stuff I couldn't afford to buy. I am happy to be out in the country with plenty of room for growing food. Its shocking that the majority of people in the US over spend.

      Welcome to HubPages, Amie.