Frugally Happy

In order to live a frugally happy life, you need to find the best savings accounts for your personal money. These accounts will provide an instant return on investment and allow the finances to build themselves over time. All the household needs to do is consistently add to the savings account and the money will build exponentially.

Not everyone feels they have the money to save week to week, but that is not really the case. With a savings account that yields high - you can place less money in the account and that money will grow as if you had deposited more.

Cutting back on household extras is the best place to start saving. Instead of going out to that movie once a week, rent a movie and buy some microwave popcorn. Does not seem like much, but with a savings account that yields high, it could add up to hundreds or thousands of dollars a year.

I found some great information on the best high yield savings accounts when I read, Finding the Best High Yield Savings Rate.

Live Frugally, Live Happily!

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Posted By: Summer Banks - Category: No Category

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Get to Kneading My Friend

May 30th 2009 01:41

Today, I ran out of bread. I was left with two hungry children, some lunch meat and nothing to put the meat on. It was then that I remembered not so long ago, I used to bake bread every day. The cost of baking bread is minimal compared to the $2.00 a loaf it costs to keep 20 slices of the stuff in the house. When you make your own bread, you also know and can regulate the exact ingredients.

Fresh Bread Recipe

2 packages of quick rising yeast
warm water
1 tablespoon of sugar
salt
vegetable oil
bread flour

First you place the bread flour in the bowl. Four cups is a good place to start. Next, add the yeast to the bowl along with the sugar and salt. Add 1/4 cup of vegetable oil and get the warm water ready. Add the warm water slowly and mix well. When the flour just begins to gather into one large ball, stop adding flour and start to knead the bread. Kneading should last 10 to 15 minutes. This is a long time so get the kids to help.

If you want freash pizza crust - roll out - poke with a fork in the middle and bake for 5 minutes at 400 degrees before topping and baking again.

For bread, allow the dough to double in size. Make sure to cover the dough. Punch it down, cut it into shapes or a loaf size and allow to rise again in the pan or sheet. Once it has doubled in size again, bake in the oven at 400 degrees for about 15 to 20 minutes.

That glossy look the store bread has comes from beaten eggs being brushed on the bread before baking- so try it!

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Posted By: Summer Banks - Category: No Category

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More Money Saving Tips

April 25th 2009 14:54

At home, you could start living on less fuel and energy for example.

Save money on your heating bills by ensuring your attic, which is warmer than most of the other areas in your home, has more than at least 12 inches of insulation so that it retains the heat and does not require much heating. Never keep a cracked glass or windowpane on your windows as these allow the hot air, or cold air as the case may be that is found within the room to be let out. Similarly, make sure that there are no loose hinges, gaps or loose door knobs that let out the air from inside the room as this could lead to longer use of the heating or cooling systems.

Water can be saved by using less and wasting even lesser with the use of low-flow showerheads. Similarly, lowering the thermostat in your water heater system helps you to save money on your electricity bills and also spend less energy.

Similarly, you could save a lot of money in your work place by following these tips. Adding to them are some more like buying bulk stationery for the office, using refill packs instead of buying new ink cartridges for your printers, maintenance of all the equipment in the office, and recycling paper that has been used on one side only. All these saving methods not only help you to save up on your money but also help you in the conservation of energy and the environment.

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Posted By: Summer Banks - Category: No Category

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The Cutbacks in How to Save Money

March 28th 2009 01:14

Cut back on groceries and gas expense to save money.

Groceries

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Posted By: Summer Banks - Category: No Category

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How to Live on Less to Save More

March 19th 2009 01:59

Living on less is living sensibly but if the less stretches to the point of deprivation, then it cannot be termed as wise or sensible.
There are many areas in your life where with a little bit of judicious thinking and calculation, you could live life on less and save more for the future and at the same time not feel deprived or discontented. It is more important to assess your needs and spend for them, rather than give in to those impulses or ideas that can only mean more spending and saving less.

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Posted By: Summer Banks - Category: No Category

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Frugal Living Today

March 15th 2009 03:18

oday, when the world is facing an economic crises and the world is reeling under the pressure of the financial gloom, the word ‘frugal’ becomes all the more relevant than ever before. It is an extension of the belief ‘saving for the rainy day.’ Though frugal living is considered to be old fashioned and not ‘in’, the effects of frugal living are definitely fruitful, even more so now. Earlier, it meant abstaining from an elaborate lifestyle. Today, it means a highly disciplined lifestyle and simpler living.

Frugal living today means spending less to save more. The main reason why so much importance is given to ‘not spending’ is because there are temptations galore. With the influence of globalization evident all over, today youngsters earn more only to spend more. Frugality does not mean abstaining or depriving oneself but spending smart so that you are able to save more for times like these which have befallen us. Frugal living also means a smarter and a more intelligent way of money management, better budgeting sense and a deeper insight into your needs

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Posted By: Summer Banks - Category: No Category

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The Simple Frugal Lifestyle

March 14th 2009 04:19

Do you know what’s the best thing about a simple lifestyle? It costs less money. You will not have to make major changes in your lifestyle to save more. Once you simplify your lifestyle, you will find that a lot of things you value and love cost much lesser than you usually spend. With a simple lifestyle, you can find more time to do the things you love to do and you will have less stress. This will reduce the necessity of spending time and money on relaxation activities like partying, drinking, visiting expensive places and so on. There are many other ways to have fun and relax, which do not really cost a small fortune.

It may be time for you to bring in a change in your lifestyle. Is your home cluttered up? Ask yourself three questions before buying something; Is it really necessary? Do you love it? Does it help you make more money? If you do not get at least one ‘Yes’ as an answer to these questions, just do not buy it. You can spend the money on essentials but not on something just to fill your home. At this time of global economic meltdown, you are flooded with loads of information on what to do to survive than you can possibly implement in your life. And you will find the information on what not to do more useful in these times

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Posted By: Summer Banks - Category: No Category

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The Simple Frugal Lifestyle

March 14th 2009 04:16

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Can You Go the Summer Without Buying Anything New?

March 9th 2009 23:56

Freecycle.com

There are people across the world who are adopting a frugal life of barter and trade. These people have chosen to give up buying new things (with the exception of personal items) for an entire year. Many of these people choose to expand their commitment to the environment and their wallets by extending the year well past the initial 12 months.

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Posted By: Summer Banks - Category: No Category

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Dave Spikey

December 20th 2007 17:49

I feel a bit sorry for Dave Spikey.

He is the poor man's Peter Kay. A lot of their material overlaps in style and content and those I was with seemed to presume this was Spikey being influenced by/stealing from Kay. I would argue that they share a sense of humour... considering that neither of them say anything that controversial it is hardly surprising there is some overlap. Of course Dave Spikey is going to make some similar jokes - aren't weddings funny? Aren't teenagers grumpy? Haven't we all had similar holiday experiences

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Posted By: Jo 4 - Category: No Category

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