What is the definition of the word frugal?
Do you want spend less and save more? Not be burdened by debt? Don’t we all!
It’s easy to say that we want something yet not really commit to changing.
Whether it’s eating healthier, learning a new skill or finally paying off that student loan, we need a bigger reason to follow through. Something more than “get out of debt”, “live within my means”, “pay off the car” or “waste less”.
What’s your reason for wanting to live more frugally?
Maybe you’re done with the stress of pay check to pay check and want to sleep better at night knowing your finances are healthy.
Maybe you want to stay home with your precious babies.
Maybe you’re sick of all the stuff around you that you’ve purchased that gives no satisfaction.
Maybe you’re tired of fighting with your spouse about money.
Maybe you have dreams of being extravagantly generous.
Perhaps you just want be able to retire before you die. (am I allowed to say that?) 😕
Before trying to “do all the frugal”, take a moment and reflect on why you want to save money, pay off debt, live within your means and more frugally.
I have many reasons for being frugal.
1. I don’t want debt.
I’ve been there. I had student debt for a degree I never finished… I married into car debt and business debt. It felt as though someone owned all the money that we made… and they did! The day that my husband and I made that final debt payment, we were free! And that’s the reason we’re passionately pursuing paying off our current mortgage and are not rushing to buy a bigger home. (we currently live in a modular home which we’ve built an addition on with a small yard)
2. Spending hurts.
I’m a natural saver. Spending money is physically painful for me. However, even if you’re not a natural saver, you can work that saving muscle by taking steps to increase the “friction” of a payment. Stores and companies want you to spend your money, and they know that if they make a purchase easier by offering credit card payments, “tap” and “one click purchasing”, then you are more likely to make buy, buy, BUY! Therefore, use cash as much as possible (if you can keep track) or at the least, your debit card.
3. I want to stay home with my children!
Because of living a frugal, simple life, I am able to stay home with my three littles and the last two years have been able to home school my oldest. (not our original plan, but a fun journey so far!)
4. I want money to spend!
A big reason I have to be frugal is so that we can spend our money on things that really matter. Instead of paying off interest or having big cell phone plans or eating everything organic, we’re choosing to use that money to pay off our house, go on vacations and most importantly be able to be generous! There’s nothing like using your money for something bigger than yourself.
So what are YOUR reasons for being frugal?
Or why do you want to start living more frugally? If you don’t have a good why, than it’s not going to be worth it. Why not comment below and we can encourage eachother?!
I would love to walk with you, so please join me as I talk about living life that’s not bound by financial stress. I want to help you get the tools you need to take those steps towards saving money, being more content and not making frugality more complicated than it needs to be.