Frugal Living | Clever Girl Finance https://www.clevergirlfinance.com/category/saving-money/money-savings-tips/frugal-living/ Empowering women to achieve financial success. Thu, 18 Jul 2024 16:02:54 +0000 en-US hourly 1 https://www.clevergirlfinance.com/wp-content/uploads/2018/09/cropped-Favicon-06-12-400x400.png Frugal Living | Clever Girl Finance https://www.clevergirlfinance.com/category/saving-money/money-savings-tips/frugal-living/ 32 32 32 Fun Challenges To Do At Home Instead Of Going Out https://www.clevergirlfinance.com/fun-challenges-to-do-at-home/ https://www.clevergirlfinance.com/fun-challenges-to-do-at-home/#respond Fri, 12 Jul 2024 11:09:00 +0000 https://www.clevergirlfinance.com/?p=15070 […]

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Going out to watch a movie, see a sports game, and attend a concert can be a fun way to spend your time, but it can also be quite expensive. But you don’t have to spend much money to have a good time! There are tons of fun challenges to do at home to beat the boredom. Keep reading for some great ideas!

Fun challenges to do at home

Did you know that American families spend about $3,458 on entertainment every year? Instead of spending your hard-earned cash paying for entertainment, gather up some friends and family and give these at home challenges a try!

32 Fun challenges to do at home

Whether you love speed challenges or fitness challenges, we have just the list of at home challenges for you! These challenges can be done by yourself or with friends and family. Even use them as family night ideas!

That said, here are 32 fun challenges you can do at home that are entertaining and budget-friendly!

1. Accent and impressions challenge

The accent and impressions challenge requires at least two people, 20 sheets of paper, a paper/pen, and a timer.

First, write an accent (i.e., American, British, Scottish accent) on each slip of paper and put the pieces of paper in a pile. If there are more than two players, you can split the participants into two teams.

Then, two players (from the same team) must stand on opposite sides of each other. Have one player pick up an accent card and raise it above their head.

Finally, the other player must speak with the accent shown on the card. If the participant with the accent card can guess the accent being spoken, then the team gets a point. Each team is given one minute to rack up the most points. You can get accent help or confirm an accent is accurate by checking on YouTube!

Alternatively, you can also impersonate famous people and guess who that person is.

2. Psychiatrist challenge

This at home challenge requires at least two players, and no materials will be needed. One player will be assigned the role of the “psychiatrist,” and the remaining players will be the patient(s).

Then, the players must form a circle with the psychiatrist in the middle. The objective of the psychiatrist is to figure out the shared pattern among the other players.

For example, say the players (patients) agree to use a number every time they speak. The psychiatrist will be allowed a maximum of 20 questions to determine this pattern.

Example:

Psychiatrist: Patient 1, who are you?

Player 1: No one (1)

Psychiatrist: Patient 2, who are you?

Player 2: Me too (2), I am no one (1).

If a player (patient) doesn’t follow the rule, the other patients must shout, “Psychiatrist!” That usually gives the psychiatrist a hint as to what the pattern might be.

3. Know that lyric challenge 

Are you a song aficionado? You’ll certainly love this fun challenge that you can do at home! The “know that lyric” challenge requires at least two players, 20-30 slips of paper, and a pen/pencil. You can also use a bowl to put the papers in.

First, on each slip of paper, write a song lyric. Then, underline half of the lyric for each slip of paper. Take a look at this song lyric, for example: “Oh say can you see, by the dawn’s early light.”

You would start by singing the first part. Then, the other players would have to jump in and guess the second part (the underlined section). If a player guesses the lyric, then they receive a point. The player with the most points wins.

Try writing different song topics for the best results, and try different genres. For instance, write songs from a category like country music, but also Broadway show tunes and pop music.

I personally love games like this and find it’s great to play for a family game night!

4. Blindfold makeover challenge

The makeup challenge requires at least two players, a blindfold, and the makeup of your choice. One player must apply makeup on the other participant while wearing a blindfold.

Take some pictures after the challenge and share them with your friends. You might be surprised by how well you’ve done! Maybe you will get inspired to try our custom “glow-up” challenge too!

5. Blindfold drawing challenge

The blindfolded challenge for drawing requires at least two players, a pen or pencil, two pieces of paper, and a blindfold. The players must wear a blindfold and draw the same picture from memory.

When finished, remove your blindfolds and compare drawings. Then have a judge decide who drew the better picture and give that person a point.

6. Baby food challenge

Ready to test your senses? Here is a fun challenge you can do at home. The baby food challenge requires at least two players or more, six types of baby food, and a couple of spoons.

Each must take turns eating a spoonful of baby food without spitting it out. If a player keeps the food in their mouths, then they will get a point. The player will get another point for identifying the type of baby food that was eaten.

After going through all six containers, tally up the scores. The player with the most points wins!

7. Tin can challenge

The tin can challenge requires at least two players, eight to ten tin cans, a spoon, and a can opener. First, pick out different types of canned food you find gross, strange, or smelly. Then, pick out several canned foods that you find tasty. You might use beans, tomatoes, etc.

Next, remove the label of each can and place a number on each corresponding can. Write the numbers down and place them in a container (or a hat).

Then, have each player draw a number from the container and open the can with the matching number. Finally, the player must eat a spoonful of the mysterious substance without spitting it out.

Each person who guesses correctly gets a point, and the person with the most points wins the game! It’s one of those fun challenges to do at home that requires a strong stomach.

8. Eat it or wear it challenge

Don’t mind the mess? Here is another fun challenge you can do at home that you’ll definitely enjoy!

The eat it or wear it challenge requires at least two players. You will also need about 15-20 brown bags, spoons, cups, and random food (mayonnaise, tuna, soda, french fries, juice, and donuts) you may have in your house.

Start the game by having each player go through the bag and remove the item inside. The player can either choose to eat it or dump it over their heads. If the player chooses to eat it, they can dump the remainder on the player of their choice.

The game can get really messy (and smelly!) so you might want to play this at home challenge in your backyard.

9. Whisper challenge

The whisper challenge requires at least two players, headphones, and a device to play music from. Pick one player to wear the headphones, and another to turn up the music so that the other participant is inaudible.

The player without headphones must say a phrase, while the player with the headphones guesses the phrase by reading the other person’s lips. If the player guesses the phrase right, then they get a point. The player with the most points wins.

This is one of the best at home challenges to play. Even Keanu Reeves and Jimmy Fallon have a blast with this challenge!

The cookie challenge requires at least two players and a cookie of choice. If you enjoy cooking or you like baking, you can make the cookies yourself! First, each player must place the cookie on the middle of their forehead.

Then, they must use their facial muscles to get the cookie into their mouths. The first player to do so wins! The cookie challenge is personally my favorite of all the fun challenges to do at home.

11. Chubby bunny challenge

The chubby bunny challenge requires at least one player and a bag of marshmallows. Stick as many marshmallows into your mouth as you can until you can no longer say “chubby bunny.”

If you are playing with multiple participants, take turns putting a marshmallow into your mouth and saying “chubby bunny.” The person who can fit the most marshmallows into their mouth while being able to say “chubby bunny” wins! If you love sweets, then this is one of the tastiest fun challenges to do at home.

12. Bake off challenge

The bake-off challenge requires at least two people and random ingredients you can find in your pantry. First, give each player 30 minutes to make something from those ingredients. After the 30 minutes is over, have someone taste the creations and decide who did it best.

I love baking so this is one of the best challenges to do with friends, in my opinion. My favorite part is that we get to eat the leftover baking creations!

Alternatively, you can challenge yourself to a bake-off with another player by seeing who can make the best meal from the same recipe. Consider these delicious, frugal meals to try out to level up your game.

13. Egg dropping challenge

The egg dropping challenge requires one person, a raw egg, and materials for the container.

The objective is to build an “egg” armor that can withstand the impact of a drop. Test your design by dropping the egg from a high elevation. If your egg doesn’t crack, congrats, your device works!

14. Yoga challenge

Every yogi will love this fun challenge that you can do at home! The yoga challenge requires at least two players and no materials are necessary. Start by having the first player perform a yoga pose of their choice.

They can either start with an easy pose or jump to something more advanced. The other players must mimic the pose and hold it for at least ten seconds.

Each player who can mimic and hold the pose for ten seconds earns a point. The person who earns the most points wins!

15. Dance-off challenge

Get ready to bust a move with this at home challenge! The dance-off challenge requires at least two players and no materials are necessary.

To start, the first player must perform a short dance move. Then, the next player must mimic the dance move and add a new one.

Each player will take turns performing the previous moves while adding their own. There will eventually be a long sequence of dance moves, so the person who breaks the sequence loses! It could be another great date night idea, too.

16. Relay race

Hosting a relay race among friends can be a fun summer challenge that you can do while you’re home! The relay race requires at least two players, and the materials will vary based on the type of relay race.

There are messy outdoor water activities, like the fill-the-bucket water race or bobbing for coins, and fun indoor games, like necking the orange or passing the balloon. The types of relay races are endless, and are pretty easy to set up!

For your relay race, try to include at least two or three challenges that each person must complete before the next person on their team begins. The first team to finish everything wins!

17. 30-Day jump rope challenge

Jump rope is a great way to get your body moving and your heart pumping, especially if you don’t have that much time! The jump rope fitness challenge is great if you want to squeeze a little exercise into your day. The 30-day jump rope challenge requires at least one person and a jump rope.

Start off with as many skips as you feel comfortable with, then increase your skips in 25-50 intervals each day. By the end of the 30-day challenge, you might be able to get up to 1500 steps or more!

Of course, don’t forget to take breaks when needed. After all, this is supposed to be an enjoyable challenge!

18. Riff-off challenge

Love to sing? Then this is one of the most fun challenges to do at home with your friends. The riff-off challenge originated from the movie Pitch Perfect and has been a popular game since. This riff-off challenge requires at least two players and no materials are necessary.

One player starts the game by singing a song lyric, then stops at a word of their choice. Then, the other player has to sing a new song starting off with that particular word.

For example, if the song lyric is:

“I can’t help falling in love-

The other participant can jump in with:

-love never felt so good.”

The game ends when a player can’t think of a song to start at that particular word.

19. Alphabet game

The alphabet game has at least two people, and no materials are necessary, making it one of the easiest challenges to do with friends.

Each player will take turns acting out a random scene (e.g. friends at a party, or students in class). The first person must start their sentence off with the letter A, and the next player must start their sentence off with the letter B.

Each player must deliver their line starting with the next alphabet letter. The game’s objective is to go through the entire alphabet without stopping. Give each player about five seconds in between each turn.

If players can’t think of the next sentence before time is up, they are eliminated. The last player standing wins!

I think if you can think quickly on your feet, this is an extremely fun at home challenge.

20. Ice bucket challenge

You’ve likely heard of the ice bucket challenge and the role it played in promoting awareness and donations for ALS organizations. You can still support these organizations using the ice bucket challenge!

The idea is simple. Fill a bucket with ice water and choose a willing participant. Then, dump the bucket of water on their head. The idea is to increase donations for research and a cure for ALS, so try to give if possible!

Get your friends and family involved, challenging each other and donating.

21. Minute-to-win-it challenge

The minute-to-win-it challenge can either be played by one person, a group of people, or in teams. The materials vary based on which games you choose to do.

Make a scoreboard if you are playing with multiple people to track who or which teams win. The list of minute-to-win challenges is endless!

Play defying gravity and try to keep three balloons up for a minute, or see if you can completely wrap your friend up in streamers without exceeding the time limit. Sounds fun? Here are some minute to win it fun challenges to do at home!

22. Word recall challenge 

The word recall challenge requires at least two people, at least 4 sheets of paper, and a pen/pencil. Start by having one player write a list of 25 words (preferably 4-letter words) on a sheet of paper.

Then, give the other player two minutes to study the entire list. After the two minutes is over, take the list away and have that player write down every word they remember.

Finally, the players will switch roles and repeat the process. The person who can recall the most words wins!

23. Try not to laugh challenge

This challenge requires at least two players and a compilation of your favorite videos. You can also tell jokes or stories to try to get people to laugh. The players must sit through this without laughing.

The player that goes the longest without laughing wins. This at home challenge will brighten anyone’s day!

24. Photoshoot challenge

The photoshoot challenge requires at least one person and a camera (can be your mobile phone). Have a photoshoot in and around your house. Use your imagination to create backdrops and props from items lying around.

Then, share the silly pictures with your friends and family or on Instagram! Who knows, maybe you will love them so much that you will turn them into a profitable photography side hustle!

25. 100 layer challenge

The 100-layer challenge requires at least one person and 100 articles of the same type of clothing or makeup of your choice. If your clothing of choice is a shirt, then layer on 100 shirts.

If your makeup of choice is lipstick, then apply 100 layers of that lipstick. To play this game with a group of friends, see who can put on the 100 layers without quitting, or who can do so the fastest!

26. Pillow challenge

The pillow challenge involves taking common home decor (like a pillow) and turning it into a wearable piece.

It requires at least one person, a pillow, and accessories of choice. Turn your pillow into a dress or a skirt and embellish your outfit with accessories! Then, have a photo shoot around your house and share your pictures with friends and family!

27. Cleaning challenge 

Need to get some cleaning done but don’t have the motivation to do it? Decluttering your life can have a ton of benefits, like reduced stress and increased focus. And decluttering doesn’t have to be boring, either!

It can be one of the most fun challenges to do at home. Simply spice up your cleaning routine by turning it into a game. See how fast you can declutter your room, and try to beat that number each time you clean it.

Want to get your family to enjoy decluttering? Have a competition and see who can clean their room the fastest. Reward the winner with a prize afterward!

28. Getting to know you challenge

Getting to know you is one of the best at home challenges for new best friends or long-time partners. Good communication builds strong relationships and can improve all aspects of your shared life. It doesn’t have to be daunting, either!

The getting to know you challenge facilitates conversation through the exchange of surface-level and personal questions. You can deepen your relationships by learning more about someone and having them learn more about you!

You can make it a challenge by having each person ask a question and then the next person for a set amount of time. Or you could have each person ask several questions in a row and see who runs out of questions first!

29. Escape room challenge

An escape room challenge takes some prep time, but it’s worth it and is a memorable way to spend an afternoon.

First, find a place to create your escape room, which could be an empty room or space in your home. Then, make clues and a puzzle that must be solved, each clue leading to the next one like a scavenger hunt. The final clue should solve the puzzle or open the door to the room.

It’s also fun to have a time limit so that there’s a sense of urgency during the game. See who can escape the room first or solve whatever the puzzle is!

30. Mannequin challenge

The mannequin challenge will put your skills to the test! Each participant must remain completely immobile, like a mannequin, at the start of the challenge. You can then see who can stay still the longest, or you can play music and have people freeze as you turn the music off and use a point system.

Be creative with this game, and try out different versions!

31. Cooking challenge

For this game, you need an impartial judge and 2 or more participants. Each person will be given a time limit (usually between 1 and 3 hours), and they must create a delicious meal. You can have everyone use the same ingredients or give people time to shop for their own.

If you are having everyone use the same ingredients, try to include some unique flavors that present a challenge, like watermelon or hot sauce. Or add a unique twist, like, the meal must involve chopsticks.

At the end of the time limit, they’ll serve their meal to the judge and be graded on things like originality, flavor, presentation of the food, etc. It’s a fun idea if you’re an amateur chef trying to perfect your craft or if you’re just having fun!

You can do multiple courses if you want, but the best part is that everyone can eat the food at the end!

32. Save money challenge

A money saving challenge like this is ideal if you have a bit of time and you want to improve your savings game! You’ll need at least two people for this challenge, though you can include as many as you like.

To play, agree on an amount of time, like a week or month. Then, see how much money you can save during that time.

For instance, you might see how much you can save in ten days. But remember, you must start from zero and not include previous savings!

A quicker version is to see how much cash you can find and save in a single afternoon. You might check your change jars, under the sofa, or in your car. In the end, see who found the most change.

If you want, treat yourselves to something fun, like ice cream, with the money you find!

Expert tip: You can still have fun spending time at home

Personally, I’ve discovered that trying out a fun at home challenge can save me a ton of money. It also helps me bond and spend quality time with my friends and family. Doing something like this can help you out if you’re on a strict budget or want to save a lot of money for a goal.
You can still spend time with your friends without spending a fortune. Pick one night a week, every two weeks or once a month to try out something fun!

What challenges can you do at home for kids?

There are so many fun challenges to do at home for kids, and some ideas include the accents and impersonation challenge, the blindfold makeover challenge, the blindfold drawing challenge, the whisper challenge, and the dance challenge.

Make sure to choose a challenge that will be entertaining or educational. Competition challenges can also be fun, but make sure that kids don’t get too competitive! Instead, help them remember to have fun and do their best.

What at home challenges can you do by yourself?

On your own? Not to worry, there are several challenges you can do at home alone that are a ton of fun!

For example, you can try out the chubby bunny challenge, the egg-dropping challenge, the 100-layer challenge, the cleaning challenge, and the 30-day jump rope challenge.

Another great challenge is the saving money challenge. You can compete with yourself to save more money each week or month than the one before.

Be sure to check out our list of things to do when you’re bored!

What are fun challenges to do at home with friends?

Some fun challenges to do with friends include makeup or drawing challenges, baking challenges, and even money challenges. It’s important to pick something that interests you and your friend group.

To find the right games, I like to consider whether my friends and I enjoy competition, art, or practical games. Then, I choose things that will be both entertaining and help me spend quality time with the people I care about!

Why is it more fun to do a challenge with friends or family?

It’s more fun to try out a game or challenge with people you care about because it can help you become closer. You’re spending quality time together and doing something fun and memorable!

Additionally, some challenges can be fun on your own, but others are better with a group. You’ll create fun memories and may discover hidden talents you didn’t even know you had, such as cooking or drawing.

If you enjoyed this article on fun at home challenges, check out this related content!

Try these fun challenges to do at home!

These at home challenges are an excellent way to enjoy the day without spending a bunch of money. Even if you are a working mother of three kids, a full-time graduate student, or a working professional, you are never too busy to have fun. “Playing” as adults can have lots of benefits, and can be considered a form of self-care.

The best part is that having fun can be completely inexpensive and guilt-free! Learn how to incorporate “fun” into your budget by creating a budget that works for you with our completely free budgeting course! You can also make saving money fun by trying out some different money-saving challenges.

Check out the Clever Girls Know podcast and YouTube channel for more fun ideas on how to save money!

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37 Frugal Living Tips To Save A Ton Of Money https://www.clevergirlfinance.com/frugal-living/ https://www.clevergirlfinance.com/frugal-living/#respond Tue, 16 Jan 2024 11:58:04 +0000 https://www.clevergirlfinance.com/?p=63489 […]

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The word frugal is often misconstrued into a negative one. However, although a frugal lifestyle can seem like a sacrifice in quality, it doesn’t have to be. Instead, you can choose to try frugal living tips that will add more value to your life.

Frugal living tips

So, let’s dive into what it means to be frugal as well as out my top frugal living tips to get you started!

What is frugal living?

Frugal living is the act of being very intentional with your spending. If done properly, you’ll be able to start prioritizing yourself and your family and, ultimately, what matters most to you.

I’m a huge fan of this approach to living because I can prioritize spending money on those things that matter the most to me and cut back on my budget in other areas.

That said, how to live frugally can mean very different things to different people.

Frugality does not need to mean trading your favorite cereal for a generic store brand. It does not need to mean living without napkins. And it does not need to mean forgoing adventurous vacations in favor of staycation ideas.

The best part about frugality is that you are able to create your own approach. You decide where you will be living stingy with certain aspects of your budget and where you will live largely.

37 Frugal living tips

Here are some frugal living tips and strategies to help you get started on this new path!

1. Start budgeting

Creating and sticking to a budget is fundamental to your financial success.

Although budgeting isn’t necessarily fun, it is a critical piece of the puzzle. Within your budget, you can prioritize things that matter and ruthlessly cut out things that don’t.

Keep in mind that there’s nothing wrong with occasionally splurging on the things you like. Just make sure you’re saving for these purchases in advance. So if you want to take a particular trip with friends or buy a nice bag or pair of shoes, start putting aside the money for it.

Luckily, there are many strategies to help you find budgeting success and understand how to be frugal. Learn more about creating a budget that works here.

2. Meal plan

If you are anything like me, then meal planning doesn’t sound enjoyable. A combination of kitchen fears and laziness led to a lack of meal planning that was burning a hole in my budget.

When I took the plunge and started budget meal planning, I was pleasantly surprised at the savings. Instead of ordering lunch every day, I just eat what I’ve cooked at home.

The savings of $10 to $20 a day really add up quickly. Check out our 30-day meal planning challenge to find some inspiration.

3. Cook in bulk

In a similar vein, summoning the energy to cook dinner after a long day at work can be next to impossible. Unfortunately, I typically resorted to fast food, which only hurt my budget and my waistline.

However, cooking in bulk has completely changed my dinner routine. Now, I cook in bulk based on what’s on sale that week or discounts I can find. I typically cook on Sunday afternoons and have enough to freeze several portions.

During the week, I simply take those meals out of the freezer and heat them up. My budget and my waistline have thanked me.

How much could you save with a little bit of time in the kitchen? You might even find that you actually enjoy cooking when you don’t have to do it every single day. here are some great ideas for frugal meals!

4. Take a look in your pantry

The amount of food I keep in my pantry at one time is somewhat embarrassing. But most people have a similar amount of food lurking in their cabinets.

Take stock of what you have on hand. Consider making a meal out of what’s in the pantry or fridge rather than grocery shopping.

Recently, I’ve been eliminating one weekly trip to the grocery store each month. The goal of that week is to finish all of the leftover ingredients lying around my kitchen using various recipes. You might be surprised by your creativity in the kitchen.

5. Check out coupons

Grocery shopping on a budget can be expensive, even if you buy items in bulk. 

Take advantage of the best coupon websites, and believe me, if you look, you’ll find them. You might be able to save a few dollars on each trip to the store. Those savings can add up quickly and turn out to be one of the best frugal living tips!

6. Sell things you don’t need

Most of us are guilty of having a bit of extra clutter lying around the house.

Whether you have amassed an oversized collection of designer handbags, have a ton of items your kids have outgrown, have too many dishes, or have an overflowing bookshelf, it might be time to downsize.

That clutter could be turned into cash with a little bit of effort. A few places to start selling include Facebook MarketplaceeBay, and Poshmark.

7. Buy used

When you have the option to buy something used, do it. You can save a significant amount of money with lightly used items.

Check around your local thrift stores, garage sales, and online marketplaces to find the item you need at a much better price. Not buying at full price is one of the best ideas for how to live frugally.

8. Return things you don’t need

Take a look at your recent purchases. Is there anything that you absolutely don’t need? Make a trip back to the store or ship that item back and get your money back.

You can even return groceries.

Yup! You read that right. Grocery stores will take back spoiled food and non-perishable items.

9. Repurpose the fabulous clothes you already have

Do you love to shop? Do you consider having nice clothes and shoes a part of your fabulosity profile? If so, you probably already have a closet full of items that you hardly wear.

Instead of going out to buy another pair of shoes or a shirt that you’ll only wear once and forget, consider shopping in your closet.

There’s probably a bunch of clothes and shoes lost in the back of your closet, begging to be worn again. Organize your closet so that you can find some of these hidden treasures.

Learn to repurpose the fabulous clothes you already have before spending unnecessary money on things you don’t need. You can be fashionable on a budget!

10. Buy a car you can afford

A car is a major expense

In fact, it is one of the largest purchases you will make in your life. With that, it is critically important to buy a car you can afford using frugal living tips.

Don’t let the bells and whistles of a shiny car steer you wrong. Instead, ask yourself, “What car should I buy?” and determine what you can really afford before you head to the dealer.

11. Walk or bike when you can

Although having an affordable car is great, walking and biking are much more cost-effective for living frugal. Take the opportunity to walk or bike whenever you have the chance. You will save on gas while enjoying some exercise.

12. Shop around for the best insurance

Insurance can be a large expense. Not having proper insurance can significantly derail your financial goals. It is critical to choose the best types of insurance for your life and your budget.

Once you have a better understanding of what insurance you need, make sure to shop around for a policy. Shopping around can save you thousands.

13. Swap out your lightbulbs

LED lightbulbs use a fraction of the energy that a standard bulb uses. Plus, they last many years longer.

Over time, it can help you with how to lower your electric bill. Consider making the switch.

14. Automate your savings and investments

After setting up spending goals, it is important to automate your finances. Otherwise, you may easily fall back into the habit of overspending.

One of the best tips for retirement is to start by automating your retirement savings through your employer. Next, consider automatic payments for all of your bills. Run through your finances to find new ways to automate your money and use frugal living tips.

15. Check out the library

While many prefer to purchase books on Amazon or a local bookstore, a library is an amazing place full of free entertainment. Of course, they have a wide selection of books.

However, most libraries also have extensive collections of movies, magazines, and more. If you haven’t signed up for a library card in your area, then please do.

You might be able to sign up online, and you can access your local library’s selection of books (including audiobooks) via apps like Libby and Overdrive.

You’ll be shocked at the sheer amount of resources available to you for free. In addition, check out our list of the best passive income books.

16. Evaluate your subscriptions

Are you guilty of having more subscriptions than you really need? Take the time to comb through your subscriptions and decide which ones are worth keeping.

In addition, you might have more time to enjoy one or two of your subscriptions if you cancel the rest.

17. Have date nights at home

Date night doesn’t have to mean an expensive restaurant or a movie out. 

For instance, it could mean a board game night at home or a walk through your neighborhood. Find creative ways to enjoy each other’s company with at home date night ideas while staying within your budget as a couple.

18. Get a part-time job

One surefire way to accelerate your savings is to pick up a part-time job.

Although you can find a job in your local community, work from home jobs tend to be more flexible. If you already have a 9 to 5, then consider finding one of the best work from home jobs.

There are many interesting options. It is important to find something that interests you. Otherwise, it can be difficult to find the energy to work after a long shift at your day job.

19. Pay down your debt

Debt is a drain on your resources. Make it a priority to clear your debts for good.

Once you eliminate debt from your life, you will never want to go back. Finding frugal ways to live within your means will allow you to break free from these financial burdens.

20. Avoid credit card debt

Credit card interest is expensive, and it can be easy to rack up unnecessary debt fast with credit cards. So it’s essential you pay your balance off in full every month if you do use your credit card. If you are unable to pay it in full, it’s best not to use it.

One of the key frugal living tips is avoiding credit card debt because you can save a bundle of money and stay out of debt. So, find out how to stop paying credit card debt and stop worrying about it.

21. Downsize

Living in a larger home has its perks.

However, the costs of living in a bigger space can add up. Not only are you paying for more square footage but also the little costs that come along with it, like utilities. Consider downsizing your living space to a more affordable living situation, and start living below your means.

22. Try a low-buy or no-spend challenge

Sometimes, it’s easier to stick to something if it’s in the form of a challenge.

If you’re not sure where you’re money is going, why not try to do a low-buy year or no spend year? Or, if a whole year intimidates you, try a no-spend month to start with and go from there.

23. Use money-making apps

Put some extra money in your pocket with these 26 best money-making apps! You can earn cash back, invest your spare change, or sell those beautiful sunset pictures on your smartphone. Earning extra money has never been easier when learning how to be frugal.

24. Buy in bulk

Buying frequently used items in bulk, such as toilet paper, toothpaste, paper towels, soap, etc., is one of the frugal tips that can save you money on your grocery bill.

The price per unit is usually lower when you buy in larger portions, and you can make fewer trips to the store, too. Remember, if you purchase perishable food items in bulk, you should cook and freeze them to prevent waste.

25. Ditch cable

Depending on what cable package you have, this is one of the ideas that can lead to significant savings if you’re paying $100 a month in cable, which is $1,200 every year!

You could quickly build your emergency savings and start saving for a luxury purchase if you wanted by living frugal.

Instead of expensive cable, opt for a cheaper streaming service or cable alternatives and rack up those savings.

26. Frugal traveling

One of the best frugal living tips is to travel frugally. You can save a good chunk of cash by traveling places during what they call their “off-season” and still have a wonderful vacation.

You can also save while traveling by cutting down on eating out and opting for a place with a kitchen so you can make some of your own meals.

Also, things such as purchasing discounted airline tickets or fares can save hundreds of dollars. 

27. Skip the salon

Okay, we all need our beauty treatments and pampering, but skipping the salon when possible can save you so much money.

For instance, if you get your nails done twice a month at $25 a pop, that’s $600 in a year! Even if you reduce it to once a month, this is one of the savvier frugal tips that will help you save money quickly and still pamper yourself.

28. Make gifts instead of buying them

Whether you’re getting a gift just because, for a birthday, or it’s the holiday season, making your gifts instead of buying them can reduce spending and avoid credit card debt too.

The winter holidays are extremely expensive and can be challenging for those on a budget. Making gifts can be more meaningful than purchasing them too. Check out Pinterest and YouTube for some great gift-making ideas!

29. Grow your own vegetables

Did you know you can grow vegetables indoors? Whether you live in an apartment or have a house with a yard, you can grow some of your own vegetables and herbs to save money. Not only is growing your own vegetables one of the more unique frugal living tips, but it’s also fun too!

30. Lower your electric bill

There are many ways you can lower your electric bill.

For instance, you can use fans if possible when it’s not too hot to cut back on using your air conditioner. You can avoid cooking with your oven on hot summer days to reduce use too.

You can also use cold water when washing clothes to cut costs on your bill as well. There are many ideas on how to lower your electric bill to help you save money.

31. Fun for free

Nothing makes a challenge easier than making it fun. One of the best frugal living tips is having fun for free. There are a ton of free fun things to do, such as going to the park, having a picnic, or having a bonfire.

Or if you do want to spend money without spending, save up any gift cards you get as presents or for holidays, and then spend them doing something fun!

32. Cut expensive coffee

Millennials are willing to spend over $2,000 a year on coffee, claims Newsweek according to Empower research! Yikes!

I’m not saying cut out your favorite coffee, but reducing how you spend can be a big deal. Even if you average $20 a week on lattes to go, that’s still a whopping $1,040 a year.

It’s hard to cut yummy coffee, but you can purchase different flavors of coffee and creamer and have your cup of joe at home and put that cash in the bank. Coffee at home is one of the frugal living tips that can save you a bundle of money!

33. Fitness at home

More and more Americans are opting to work out at home. The average gym membership can be about $40-$70 per month, claims Good Rx Health, equaling $840 in a year on the higher side.

However, you can find home workout videos on YouTube and save quite a bit of money by exercising at home.

34. Stop impulse buying

Impulse buying has never been easier, thanks to e-commerce. You can find anything and everything at the touch of a button, and before you know it, those late-night shopping sprees cost you hundreds to thousands of dollars.

Learning how to stop online shopping is one of the most crucial frugal living tips to help you save money.

35. Determine what things you can do without

Just because you can buy something doesn’t mean you should. As you work on stretching your dollars, determine what things you can do without. Whether it’s temporary or permanent, this can really give you a boost by saving more money.

36. Try homemade cleaning products

Making your own cleaning products using natural cleaners like vinegar can save you from buying the overpriced stuff from the store.

While it takes a bit of know-how and time, it’s easy to learn how to clean your home naturally and without spending much at all. You can use ingredients that you already have in your cupboard or can easily purchase during your next grocery run.

37. Eat less meat

Meat is quite expensive to buy and can affect your budget. And if you love steak or chicken, you don’t need to give it up completely.

But having one or two dinners a week that don’t include meat can save you some grocery money. Salads, soups, and baked potatoes are all easy meals that don’t require meat.

Expert tip: Make a list of things to try

When it comes to leveraging these frugal living tips it’s a good idea to make a short list of tips you want to try. Once you’ve done this, you can build them into your routine and lifestyle one by one.

Not every frugal tip will be a good fit for you so instead focus on which of the tips will work best for your lifestyle!

Benefits of living frugal

First and foremost, a frugal life will allow you to build more financial freedom into your life by accelerating how quickly you achieve your financial goals. You can allow for a cause-and-effect reality to take hold.

Every time you choose to spend less money on something, you can put that money towards things that matter to you. The best part is that you get to decide what matters to you most.

Maybe you will put your newfound savings away for early retirement. Maybe you will put them aside to fund your dream of living on a sailboat. Or maybe you will allow the safety net of savings to allow you to pursue a job you thoroughly enjoy.

How do you develop a frugal mindset?

Developing a frugal money mindset involves being particular about what you allow to influence you. It means you know what you want, and you focus on your own financial and life goals, not what others have.

In addition, it involves thinking strategically about purchases before you make them and thinking long-term.

For instance, if travel is important to you, then you may choose not to eat at expensive restaurants, and you may opt for the library instead of buying cable for entertainment. Then you will be able to afford the next trip you want to take.

It’s all about being careful with what you spend your money on.

However, you must also know when something is worth buying.

For example, a large home, a new sweater, or excellent food may be valuable to you. You can look for deals with the things you do want to buy and say no to what isn’t the most important to you.

How do you live a low cost frugal lifestyle?

Don’t be afraid to make some changes along the way as you learn how to live a low cost frugal lifestyle. As you start to try out different frugal tips and savings hacks, remember that this is not a one-size-fits-all strategy.

Instead, you will need to try out different frugal living tips and see how they feel. You may find that giving up meals out is not a problem, but forgoing your favorite brand of shampoo is not going to be an option.

Simply try new tips and strategies out with an open mind. You will likely need to do some experimenting to find the balance that works best for you.

It is critical that you don’t overdo it. Although it is exciting to learn how to drastically cut expenses without mercy, too many cutbacks could lead to a backfire. Instead of saving over the long term, you might experience burnout and forgo the savings altogether.

A good way to start living frugally is to add new frugal tips and strategies slowly. Try them out to see how they feel. If you like a strategy, then keep it and add another.

If you hate a strategy, then let it go and try something else. You may need to try many strategies before you truly find your frugal stride.

Is it worth it to live frugally?

Yes, if you are tired of letting money control your life, then frugal living is worth it.

However, it is critical to look at the positives. If you only look at the sacrifices that come along with how to be frugal, then you will have a difficult time staying on this path.

Of course, you will have to give things up along the way. But these sacrifices on your journey can add up to larger benefits down the line.

Remember, you are choosing to be frugal in order to enjoy the things you prioritize. If you keep your priorities in mind, it may not be as difficult to live a frugal life!

How can you be frugal like a millionaire?

Everyday millionaires think about the future rather than just the present when making buying decisions. It’s all about prioritizing. So you might ask yourself some questions to help yourself be frugal.

For instance:

  • Will this make me more money in the future?
  • Do I truly want this item, or do I need it?
  • Is there a less expensive alternative?
  • How can I save more for what matters?

Does frugal mean cheap?

Absolutely not, frugality should not be confused with being cheap. Cheap means going to the store to buy the lowest-priced item without a thought to quality.

Frugal means assessing your desires and choosing to spend less money on the things that don’t really matter to you.

For example, you may choose to spend less on clothes to fund your next vacation budget.

If you’ve enjoyed this article on frugal living, check out these next:

Leverage these frugal living tips to save more money!

Living frugally doesn’t have to be a sacrifice. Make an effort to think of frugality as a way to fully enjoy what you care about in life.

When you have your money under control, it can be easier to spend on things that matter. Try out a few frugal living tips at a time to find out which works best for you. You can also get inspired by these great frugal living blogs.

Don’t forget to access our awesome and 100% free courses and worksheets to help with your “how to live frugally” journey and help you become financially successful!

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24 Fun And Inexpensive Girls Day Out Ideas https://www.clevergirlfinance.com/days-out-with-the-girls/ https://www.clevergirlfinance.com/days-out-with-the-girls/#respond Mon, 27 Nov 2023 14:31:33 +0000 https://www.clevergirlfinance.com/?p=61906 […]

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When you’re trying to save money, it can feel like you have to put your life on hold. But just because you’re tightening the purse strings doesn’t mean you have to cut into your social life. Actually, you can still enjoy girls day out ideas and have lots of fun, even when you’re on a tight budget.

Girls day out ideas

You can do many things that are inexpensive (or even free!) to spend a fun day out with your girlfriends. Let’s take a look at 24 girls day out ideas on a budget. You’ll want to try these fun ideas! 

1. Volunteer together

The only thing better than a day well spent on fun is a day well spent on fun when you can do some good, too. When it comes to girls day out ideas, it doesn’t get more wholesome than this one.

So for your next day out with the girls, consider doing volunteer work together.

Whether that’s helping out at your local animal shelter, lending a hand in a soup kitchen, or spending time at a nursing home, you’ll finish the day knowing you found nice things to do for people and made a difference in your community.

2. Indulge in afternoon tea

Feeling posh? Unlike a bar crawl that can leave you feeling tired and worn out the following day, afternoon tea is an elegant activity you’ll love.

Indulge in pastries, finger sandwiches, scones, and other mid-day delectables while feeling fancy in your most sophisticated outfit. If you have a sweet tooth, you can even order extra snacks, such as popcorn and chocolate, for the table. 

3. Make inexpensive bouquets

Unleash your inner creativity and try this idea. Making bouquets can be one of the fun and inexpensive ideas for girls day out.

Try getting a group together and heading to a local flower shop or the grocery store. Everyone can purchase some flowers to share.

Then, head back to your house or a friend’s and create your own unique bouquets by sharing the flowers you bought. You’ll each end up with a design you love!

Good items to have on hand for this include vases, ribbons, and scissors.

Additionally, you’ll likely have some great conversations, and you get the chance to be creative. Plus, now you have a bouquet to take home and admire! Nothing helps you start loving your home more than flowers!

4. Take a cooking class with the girls

Whether you’re a total foodie or admittedly lost in the kitchen and thinking, “I hate cooking!”, you can always learn something from a cooking class. You and your girlfriends can get the best tips, tricks, and insider know-how directly from a professional chef.

Best of all, you’ll all walk away with something delicious! Rather than just sharing drinks at the bar, taking a cooking class with your girlfriends gives you something tangible (and tasty) to show for your time together.

I love taking cooking classes and have found that I continue to use what I learn about making specific dishes. Plus, getting together with my friends and cooking is a unique way to catch up and have fun!

5. Go bowling

Believe it or not, this retro pastime is having a moment. However, if memories of stinky shoes and kids’ birthday parties are turning you off, it’s time to get back out by the lanes again.

Not only is a day of bowling a fun, low-key way to relax with your friends, but it’s also a great workout! According to DoveMed, bowling can also help you work on strength, coordination, and flexibility.

6. Awaken your inner child at an amusement park

When did you last go to an amusement park? Even if roller coasters were never your thing, there are still plenty of ways to feel like a kid again at your local amusement park.

Whether you want to show off your arcade gaming skills, catch a great view from atop the Ferris wheel, or enjoy some cotton candy, going to an amusement park is a great way for you and your friends to relive some of your best childhood memories.

7. Start a girlfriends book club

Undoubtedly, life gets busy. And that book from the New York Times Best Seller list on your nightstand? It gets forgotten about.

Reignite your love for reading by starting a book club with your girlfriends.

First, tell everyone to meet up at your favorite bookstore (bonus points if it’s a local business).

Then, take your time browsing the aisles until you all find a book you can agree on. Most importantly, don’t procrastinate!

Next, head to your favorite coffee shop, fuel up on lattes, and get reading together. If you’re looking for girls day out ideas that don’t cost much, this one is a real winner.

8. Visit a museum

You know what they say: “Be a tourist in your own city.”

Too often, we reserve museum days for our best family vacations on a budget and forget about the great museums in our own backyard. For some great girls day ideas, head to your local museums—whether that’s art, history, science, or something else entirely—and learn more about what your local community has to offer.

9. Feel fancy at the theater

No, not the movie theater. The actual theater.

That’s right. We’re talking red curtains, ushers, and (if you’re feeling ostentatious) opera glasses. Why not?

I enjoy going to the theater a few times a year with friends. And to me, one of the best parts of going out at night is getting dressed up, so it’s one of my favorite girls day out ideas. Because when it comes to the theater (even local theater), the invitation calls for cocktail attire!

10. Wake up and watch the sunrise

Looking for girls day out ideas that are free? Look no further.

Rather than staying up all night and sleeping in over the weekend, wake up early with your girlfriends to catch the sunrise.

Pro tip: Head for nature.

You might be near the coast, the mountains, or just near the edge of downtown. But the further you are from the hustle and bustle, the better you can appreciate the calm stillness of the morning sunrise.

Need to motivate a few of your night owl friends? After it’s over, head out for breakfast together, or try some cheap breakfast ideas at home.

11. Picnic with your girls in the park

When looking for girls day out ideas, sometimes it pays to keep things simple. 

Instead of going out to an expensive restaurant or a bar, pack up your picnic basket. Then, head to the park for lunch in the sun.

Better yet, why not spend the whole day lounging outdoors? Bring a book, a Frisbee, and a Bluetooth speaker to turn your local park into a relaxing getaway.

Need some picnic inspiration? Check out these 25 cold lunch ideas your budget will love.

12. Visit your local farmer’s market

There’s nothing better than a fresh, healthy meal. And when it’s bought locally, it tastes twice as nice.

Next weekend, invite your girlfriends to your local farmer’s market.

Nowadays, farmer’s markets often sell more than food. Usually, you can also find fresh flowers, plants, soap, beauty products, pottery, knitwear, and much more.

13. Take a pottery class together

Ready to get your hands dirty? Make today a good day and try signing up for a pottery class with your girlfriends.

You can learn how to make coffee cups, bowls, plates, candleholders, and plant cups… Once you get good at it, there’s no limit to what you can cook up in pottery class!

Even if you don’t walk away loving your creation, your lopsided coffee mug will always remind you of a fun day spent with your girlfriends—and doesn’t that sound better than a plastic Starbucks cup?

14. Host a swap day

Let’s face it. We all probably have more old, unneeded clothes lying around the house than we’d like to admit.

Here’s a way to clean your house, spend the day with your friends, and do good all in one: host a swap day.

Tell your girlfriends to do a closet purge and bring over their unwanted clothes, shoes, bags, you name it. Then, get to swapping!

Trade that dress you bought but only wore once for your friend’s jacket that you’ve always loved but she never wears. Win-win.

15. Watch a local sports game

When it comes to sports, it doesn’t have to be the major leagues for it to be exciting. Days out with the girls are the perfect time to check out the local sports teams.

Is there an amateur hockey game you can attend? A baseball game? A tennis match?

Not only are the tickets cheaper and the crowds smaller (win), but you’ll also have fun cheering for local teams and supporting your community.

16. Start a scrapbook

Of course, everyone has a million photos stored on their phone—but how often do you sit and scroll through your photo library?

Compare that to thumbing through the pages of a photo album, and you know that the nostalgia just feels more real when looking at an aged, printed photo.

You may have a family photo album. But do you have a friend photo album? Now’s the time to get one started!

Head to the craft store with your girlfriends to stock up on supplies. Print pictures at home or a local print shop. And then get to cutting, pasting, and bedazzling your heart out to decorate your new book.

17. Go for a hike

Whether you and your girlfriends are nature lovers or fitness freaks, hiking will satisfy everyone in the group. You can pick a hiking trail based on your desired difficulty level so everyone can participate. No matter how much they feel like sweating it out that day!

Best of all, hiking isn’t just great exercise for the body—it’s great for the mind, too. In my experience, hiking is a great way to meditate. Plus, I find it’s a super easy weekend activity to plan.

18. Discuss your goals

Sometimes, we all need a little push to work towards our goals. And who better to give you the support and encouragement you need than your closest girlfriends?

Meet up at home, at your favorite coffee shop, or out in the park with your friends. Come armed with a journal—and get brainstorming!

Whether you’re checking out examples of financial goals, personal goals, or want to set a professional goal, talking it out with your girlfriends will get you inspired, motivated, and focused to see your goals through to the finish line.

19. Go to a ladies’ Sunday brunch

Let’s call it like it is: Breakfast out is way more fun than dinner out. Better yet, it’s usually cheaper, too!

Next on our list of girls day out ideas, we recommend Sunday brunch. You can go fancy by booking a place at an upscale restaurant.

Or you can go old-school and rustic by heading to your local diner for trusty eggs, bacon, toast, and coffee.

20. Relax with a girls’ spa day

Craving a mani-pedi? There’s no better spa companion than your trusty troupe of girlfriends. For a bonding day that you won’t soon forget, sign up for a day of luxury and beauty at your local spa.

If spa prices have got you startled, don’t worry—you can still enjoy plenty of pampering and R&R at home. Manicures, facials, and pedicures don’t have to cost the earth.

Check out these DIY facial recipes. Take turns painting each other’s nails. And let your stress melt away with relaxing music and aromatherapy—even on a budget.

21. Talk about money

What? Yes, talking about money is actually one of the best ways to spend the day with your girlfriends.

Too often, we’re hesitant to talk about money or are worried about finance—especially women. That’s got to change.

I make it a point to discuss money and finances with my friends, as I think it helps us to learn and encourage each other with saving, budgeting, etc.

For your next day out with your girlfriends, get cozy at your favorite café and get personal! Ask questions, share resources, and discuss finances, like:

22. Go on a girls’ road trip for the day

Who said you can’t take a road trip in a day? Rather than heading to the bar or spending money shopping, treat yourself and your girlfriends to a one-day vacation with a road trip.

Pick a nearby landmark, a museum, or an interesting new coffee shop, and hit the road with your favorite playlist blaring. Or, just get in the car, pick a direction, and start driving. Who knows where you’ll end up?

23. Take a fitness class together

Why not meet up with the girls while getting fitter? One of the best girls day ideas is to get your sportswear on and head to a class together. 

There are plenty of options out there. You may want to attend a yoga class together, go to a Pilates class, or even join a sports team. Think about what type of activity you all enjoy and give it a go. 

24. Host a cocktail-making session

Do you love tasty, classy cocktails? If the answer is yes, why not host a cocktail-making session with your best friends? It’s one of the most creative girls day ideas out there. 

Invite your friends over for an evening and ask each of them to bring ingredients for a cocktail. Take turns whipping up delicious cocktails and sharing them with the group. 

Expert tip: Spending time with your girls helps you bond

Ideas for a girls day out aren’t simply about having a good time. When you spend quality time with your best friends, you have a chance to bond. Research suggests that strong female friendships can improve your mental and physical well-being

While you, like me, may have a busy schedule, it’s important to make time for your best friends. I prioritize planning days out and time together, because it helps me create stronger long-term connections! 

What is a good girls day?

There are plenty of ways to have a good day with your girlfriends. Whether you have a movie marathon, give each other manicures and pedicures, head to the farmer’s market, or go wine tasting at local wineries, there’s a whole host of options out there. 

How do you plan a girls outing?

Planning a girls outing can be a fun way to bond. It takes a level of creativity to create a plan that works. First things first, you need to choose the activity and the destination. 

Think about what your best friends like first.

For example, if they are music lovers, you could catch a concert. If they enjoy dining, you can get desserts or snacks at a cafe. 

When you have decided where to go, planning your next girls day should be easy. Make sure everyone is free, set a date in the calendar, and then meet up with your gal pals.

What are some creative girls day out ideas?

If you fancy getting creative, you might want to try something different. You can have a paint party and create your own murals. Think about how you can unlock your inner creativity when looking at girls day out ideas.

If you’ve enjoyed this article on girls day out ideas, check out this related content:

Leverage these ideas for girls day out without breaking the bank!

Sometimes, you just need to spend a few days out with the girls. Surprisingly, you don’t need to break the bank to enjoy a day of fun with your girlfriends.

There are also plenty of ideas for fun things to do for free with friends! You can take this a step further for your budget by finding other ways to save and earn, as well, such as the best money-making apps and knowing how to ask for a discount!

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How To Be Frugal And Thrifty: Differences And Why It Matters https://www.clevergirlfinance.com/being-frugal-and-thrifty/ https://www.clevergirlfinance.com/being-frugal-and-thrifty/#respond Mon, 16 Oct 2023 11:10:07 +0000 https://www.clevergirlfinance.com/?p=59070 […]

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The words “frugal” and “thrifty” come loaded with quite a bit of baggage. A lot of people have strong feelings for or against those terms, but both can offer a lot to improve your lifestyle. Have you ever thought about what being frugal and thrifty really means and how they might differ? Let’s discuss this in more detail!

Being frugal and thrifty

If you look up both frugal and thrifty in the Merriam-Webster dictionary, you’ll find that they’re pretty close in meaning. Their definitions are as follows:

Frugal: Characterized by or reflecting economy in the use of resources.

Thrifty: Given to or marked by economy and good management.

So you can see that “economy”, or “being economical” is a primary focus of being frugal and thrifty. Both frugal people and thrifty people don’t like to spend money if it’s not necessary. 

However, for a lot of people, we tend to associate certain behaviors with being frugal and thrifty. You might believe frugality is living stingy or that someone who’s thrifty would never splurge on something just for fun. 

As an overall framework for comparing the two personalities, let’s say that “frugal” is more about getting the best value or deal for your money, while “thrifty” involves utilizing what you have.

That said, there’s a lot more to it, but that’s a good place to start. 

What does being frugal vs. being thrifty mean?

While thrifty and frugal aren’t terribly different (both have the goal of saving money), frugal and thrifty people may go about saving money in different ways.

Being frugal

For a lot of people, the art of being frugal means developing a mindset. To me, the word “frugal” has no negative connotations — in fact, it actually brings freedom from guilt because it means I’m mindfully deciding how to spend my money. 

Being frugal means determining what matters the most to you and being willing to spend more money to receive the most value. However, the flip side is that you try to minimize your spending on things that don’t matter. 

Living a frugal lifestyle doesn’t have to mean you never spend any money! You can be a frugal person on a $30,000 income or a six-figure salary. Being frugal largely comes down to how you prioritize spending. 

Being thrifty

I like to think of being thrifty as the ability and desire to make the most of what you already own. You might be someone who is crafty and can find creative uses for old items. Maybe you’ve learned how to stop buying clothes by shopping your closet first rather than hitting Amazon. 

When it comes to being frugal and thrifty, people often believe “thrifty” is closer to “stingy” or “cheap.” But being thrifty is really just another way of being frugal. 

Examples of being frugal and thrifty

One one hand we’re examining frugality from the lens of prioritizing yourself and your spending and sometimes paying more for a better value. On the other hand we are examining thrifty as “using what you have” before buying more.

That said, let’s take a look at some examples of how to live frugal and thrifty because, you can absolutely do both!

5 Ways to be more frugal with your finances

When it comes to being more frugal with your finances to make the most of your time and money, here are some key ideas:

1. Create a budget to prioritize spending

One of my favorite examples of living frugally is creating a budget by paycheck to follow. Budgets get a negative reputation at times, but they don’t have to be restrictive. 

When you use a budget, you’re telling your money where to go each and every month. A frugal person wants to know how much money they’re making and how much they’re spending on each category. Budgets work well for being frugal and thrifty.

Whether you focus on the advantages of zero based budgeting, the 50-30-20 rule, or another budgeting tactic, the key is awareness and focus. A frugal person can analyze their budget at the end of each month and decide where to cut expenses and where to dial up their spending. 

The fantastic thing about a budget is that it can give you permission to spend your money on what you love. As you meet your financial obligations, like paying your bills (including knowing the best way to get out of debt), you may also find you have room in the budget for luxuries. 

2. Do your research to get the best value

Here’s another common trait associated with frugal people: they tend to do a bit of research before buying. If you’re living frugally, you probably consider bigger expenses by doing price comparisons, checking multiple retailers, and reading customer reviews. 

When you’re being frugal, you don’t want to just spend money willy-nilly. You look up product reviews to find out whether that new treadmill will last for years or sputter to a halt in six months. You don’t want to start overspending, but you’re okay with paying more for a high-quality item instead of a junky one that will break instantly. 

Being frugal and thrifty may be fairly similar, but when I think of a frugal person, I think of someone who spends more sometimes. And that’s perfectly okay!

3. Know what matters to you and when to spend on it

Another characteristic associated with being frugal is an awareness of your priorities. Frugal people know when spending more money will yield a better experience, but they also know when to go the cheapest route. 

As financial educator Ramit Sethi explains in his I Will Teach You To Be Rich materials, you can turn up your spending in some areas while reducing spending in other areas. This usually has to fit within your budget, of course, but the beauty of it is that you are in control. You get to say what matters and what doesn’t. 

For example, if clothes don’t matter much to you, don’t bother spending more on designer brands. If you like to travel, then pour more of your budget into your next trip instead of on something that won’t bring you joy. 

If you’re living frugally, you may find you’re not sacrificing your needs and wants. Instead of a lack of contentment, you’ll find joy by refusing to spend money on what you don’t want.

4. Focus on the value of time as well as money

A key difference between being frugal and thrifty regarding time and money is that frugal people often value their time even more than their money. 

Living in frugal way centers on money, but frugal people can also recognize when spending money might be worth it to recapture time. This is the magic of outsourcing. It’s not free, but it can be worth much more than the expense for the time you get back. 

I’m not saying you should hire someone to handle all domestic skills from cooking to laundry, but if there’s one that’s taking up too much time, think it over. Could you use your time in a better way? Is it worth spending some cash?

Outsourcing is also a great tactic if you’re setting goals for a small business. You’ll need time to devote to building and growing it, so you might hire a virtual assistant to handle some of the administrative load. Or pay for childcare, especially if you’re creating a side hustle outside of your full-time job. 

5. Look at the long-term

Being frugal could mean you think more about the long-term consequences of your money choices. Not that a thrifty person doesn’t, but sometimes people adopt a frugal lifestyle in service of a larger goal. 

For example, people can choose to live more frugally in order to invest for an early retirement. That level of frugality may not continue after retirement, but it can help them get there. 

A frugal mindset could also mean spending money in order to reach higher earning potential (i.e., getting a degree for a better career). It’s not always the cheapest option today that holds the greatest long-term benefits.

6 Tips to be more thrifty with your finances

Now let’s get into how to maximize the use of the things you already have and spend your dollars in a way that allows you to repeat repurposing what you own!

1. Reuse items as much as possible

One of the first things that comes to my mind for thriftiness is reusing everything you can. When you’re living thrifty, you aim not to throw things away without trying to use them again. 

Those Depression-era values come to mind again: people learned to use up what they had, reuse items like clothing over and over, and not buy unless absolutely necessary. Although some items have their limits, it’s a great tactic to try. 

Next time you’re thinking of replacing an older item with a newer model, consider how necessary it is. Could you keep using your old blender for another year? Wear the same dress to multiple weddings? Save food packaging for other uses? 

Not only is reusing easier on your wallet, but it’s also much gentler on the planet. Reusing whatever you can helps you with how to live sustainably instead of being wasteful

2. Repurpose what you already own

A skill that goes hand-in-hand with reusing is the art of repurposing. A big part of being thrifty is using what you have, and often if something has outgrown its initial purpose, you can find a new purpose. 

For example, the blog SixDollarFamily suggests ways of repurposing old clothes you no longer wear. You might:

  • Create reusable fabric softener sheets
  • Turn them into cleaning rags
  • Make an upcycled scarf
  • Cut jeans into a DIY dog rope toy

Even if you don’t think you’re a creative person, the possibilities for repurposing are a lot of fun. Just search online for ways to repurpose whatever you have, and the internet will reward you with oodles of suggestions. 

3. Secondhand shop

I definitely associate secondhand shopping with thriftiness. After all, we don’t call them thrift stores for nothing! 

Whether you see this as being frugal or thrifty, shopping at thrift stores is a way to live a luxurious lifestyle on a budget.

Although you want to avoid overbuying just because items are cheaper, overall, it’s less expensive to buy secondhand than retail. 

You can get a ton of things at a bargain and give items a new life. Whether you love purchasing a pre-owned designer handbag, picking up kids’ sports equipment secondhand, or always buying used vehicles, these are all great examples of thriftiness. 

The flip side of secondhand shopping: it could lead you to find the best items to resell for extra cash! Some thrifty folks shop at consignment stores, where not only can they buy things for less, but they can also sell their own items. 

4. Enjoy the thrill of a deal

One of the hallmarks of thrifty people is that they tend to love a great deal. You might enjoy perusing the best coupon websites, checking out the dollar aisle at your favorite store, or visiting garage sales on the weekend. 

Getting something for less than its original value is always exciting. The thing thrifty people may want to watch out for is being blinded by the so-called discount. If you’re buying things only because the tag says they’re 50% off, not because you need them, that could be a problem. 

I love saving money, but I do catch myself sometimes, about to fork over my money for a “great deal” that I don’t even want.

A good example of how to be thrifty and smart is to use coupon websites but avoid buying items you wouldn’t normally buy. Be sure you’re getting good value. 

5. Maximize your budget

As a thrifty person, you work to maximize your budget, whether in terms of the cheapest grocery list, housing, entertainment, or other costs. This may involve figuring out what you can do without and then shopping mindfully. 

When being thrifty, you’re aware of your income and your expenses. That enables you to make wise choices about how to spend any extra money after bills are paid. 

6. Spend time to save money

Thriftiness often means taking time to clip coupons, repurpose your old things, and handle all of your home and work tasks yourself. For thrifty people on a bare bones budget, cost may be the most important factor. 

Being thrifty might look like putting a lot of time in to save as much money as possible. This can be great if you enjoy all of those tasks, but it can get tedious in the long term. 

Expert tip: Being frugal or thrifty means nurturing a good money mindset

Although many people consider being frugal and thrifty to be two sides of the same coin, one term or the other might bring up feelings of embarrassment or a cycle of shame

If you have a money mindset that thinks of frugal or thrifty as “stingy” or unable to spend money at all, it’s time to rethink that perspective.

Both frugality and thriftiness are positive qualities that can help you reach your financial goals. 

How can you use being frugal or thrifty to reach your financial goals?

Knowing how to be frugal or thrifty is good, but knowing how to use this knowledge for your finances is great. Here are some ideas to help you get started:

Define which method you prefer: Being frugal or being thrifty

There’s not a very clear difference between someone who is frugal and someone who is thrifty, to be honest. Depending on how you interpret the terms, you might prefer one over the other. 

I’ve focused on “frugal” as being about setting priorities for your money and a willingness to spend more for better value. Then “thrifty” is maximizing what you already have and perhaps spending as little as possible. 

Decide if being frugal or thrifty aligns with your personality better. Maybe you’ll even adopt both. Neither “frugal” nor “thrifty” is inherently better since both philosophies could guide you to your own financial goals

Know why you want to save money and make it a habit

When you’re figuring out how to apply ideas of frugality and thriftiness to your finances, you should consider your reasoning.

Why do you want to be frugal or thrifty? Is it born of a financial need or a desire to “win” the game of finances? Are you aiming for an aggressive savings plan

If you’re living paycheck to paycheck and therefore have to be thrifty or frugal to survive, that’s useful to know. Understanding why you are behaving a certain way with your money can make all the difference.

In addition, once you understand why you are being frugal or thrifty, make sure that you make it part of your daily life. Forming frugal and thrifty habits like repurposing items or being conscious of your spending can help you make real changes.

Are thrifty and frugal the same thing?

Frugal and thrifty can be very similar things. But for many people, thrifty means using up what you have, while frugal means spending money to get the best.

In other words, a thrifty person may avoid spending money unless it’s a clear “deal,” always wanting to save. But a frugal person often is thought to consider life priorities when spending money and may be willing to pay more for the best (or longest-lasting) value.

How can you be frugal and thrifty?

There are plenty of ways you can be frugal and thrifty every day, but you should focus on how to save and get the most value from your money.

You might make a budget each month and stick to your maximum spending for each category. Or maybe you’ll start walking to work to save on gas. Being frugal and thrifty might mean going on a shopping ban for a while and repurposing items in the meantime. 

However you choose to be frugal and thrifty, be sure it matches your financial goals. Remember that sometimes being frugal means forgoing fun things temporarily in order to save for short term savings goals

What is a thrifty person like?

When I picture a thrifty person in my mind, it’s someone much like my grandparents, who gained frugal living tips from the Great Depression. My paternal grandmother, for example, always saved wrapping paper to fold up nicely (for reuse) after opening holiday gifts—so thrifty!

In general, a thrifty person might be someone who hates to waste anything. When it comes to spending decisions, the bottom line is often the most important factor. 

In this way, being thrifty might mean having a scarcity mindset. If you view the world as having limited funds, you might be afraid to spend money. But thriftiness also has a lot of positive qualities.

If you liked learning about the differences between frugal and thrifty finances, you should check out these articles next!

Being frugal and thrifty are both good ways to save money!

Being frugal and thrifty may be pretty similar terms to a lot of us, and that’s okay. In current society, some people have negative feelings about both types of people, especially if they interfere with or judge other people’s money habits

Being frugal is an admirable trait, though—and so is being thrifty! You can make the most of the items you already have and avoid lifestyle inflation while also managing your money well to be able to spend on what matters most.

Next time anyone uses either “frugal” or “thrifty” in a negative way, you can share the positives that come from a money-conscious type of lifestyle!

The post How To Be Frugal And Thrifty: Differences And Why It Matters appeared first on Clever Girl Finance.

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40 Fun Things To Do For Free With Friends https://www.clevergirlfinance.com/fun-things-to-do-for-free-with-friends/ Thu, 23 Jun 2022 13:50:00 +0000 https://www.clevergirlfinance.com/?p=16795 […]

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What do you usually do when you want to see your friends? Go to an expensive restaurant? See a movie? These things are fun, but they aren’t going to help your wallet much. It’s a really great feeling when you can spend time with friends without having to spend money.

But if you aren’t spending money, won’t you end up doing something boring, or worse, not hanging out at all? No way! The truth is there are tons of fun things to do for free with friends!

Fun things to do for free with friends

We’ve rounded up 40 fun free things to do with friends that will get you excited about seeing people without dreading all the cash you’ll spend.

What are fun things to do for free with friends? 40 Ideas!

Whether you want to have a low-key evening in or take a day to adventure in a new town, this list of fun free things to do with friends is full of great ideas!

So grab your squad and have an epic time without spending money! Because let’s face it, some of the best things in life are free.

1. Park day

Check out a park for the day with a friend or two. Pick a spot with a lot to do – maybe a tennis court, a running track, and lots of open space. That way, you can add in some fun activities like frisbee or jogging.

Bring along water bottles and some snacks so you can stay for a while and make sure the weather is going to cooperate.

Then use the time to chill out without needing to spend cash. Parks are the perfect way to spend a day because they offer many fun free things to do with friends!

2. Ride bikes around your city

So what’s a great way to have fun and burn calories? Dust off the bike in your garage and put it to use on a bike ride! Check out your city or town by taking a bike tour or finding some good bike trails.

You can stop for photo ops, and you’ll get plenty of exercise too! So workout, check. Time with your bestie, check.

3. Check out free events

There are usually some local free events going on in most places. Try looking up free activities at your community center or library, and see what’s available that looks interesting. Gather your group of friends for the next cool thing happening in your town.

4. Free museum days

Many museums are free, but they may offer free museum days if they aren’t.

Check out the calendar for your local museums and see if any free days are coming up in the month. If so, bring a friend who shares your interests, and check it out together.

5. Game night

You can have a blast without needing to go anywhere. So gather a large group of friends and pick someone to host. Ask everyone to bring a snack and a board game of their choosing.

Spend the evening playing various board games, card games and catching up. I love having game nights with my friends because it gives us a chance to talk and catch up, which can be difficult when everyone is so busy. If you need some ideas for what to do then you should check out our posts “49 Fun Family Night Ideas and 28 Fun Challenges To Do At Home!

6. Movie night

Everyone loves movies, but why pay for them? Find a classic film you haven’t seen that is free or something more recent that has come to Netflix or Hulu. (Okay, you are probably paying for a tv streaming service, so it’s not totally free, but close enough!) Pop some popcorn and get a friend or two to join you for a movie marathon.

7. Marathon of a series on Netflix

See what new (or old) series looks exciting and check it out. Hang out, drink wine, and laugh or cry as you watch some episodes. Do this on the weekend and spend some time binge-watching a show with a friend.

8. Trivia tournament

This is a fun free thing to do with friends that is unique and may require a bit of planning but no money! Pick a topic that you and your friends are interested in: classic movies, a book series, or even your city.

Then, take the time to look up or create trivia questions. Invite friends over for a friendly trivia competition, with bragging rights for the winner, of course.

9. Go sledding

In the winter months when it snows, try out this fun and free activity – sledding. Find a hill at a park or public space where you can safely sled.

You may have sleds already, but if not, you can use a blow-up sledding tube or even cookie sheets. As a bonus, sledding is a surprisingly good workout, too!

10. Go running or train for a marathon together

Get in shape and spend time with your buddies by running or marathon training together. Meet up in the mornings or after work to go for a run at your favorite spot.

It’s one of the most fun free things to do with friends because it’s healthy and doesn’t cost money – just time.

11. Cooking night

Instead of going out to dinner, have dinner at home. Host a cooking night for a close group of friends, asking everyone to bring a dish to share for a potluck dinner. You could also try some new recipes together.

You don’t have to spend money because you can use the ingredients in your cupboard with the help of these apps! Or you could also plan ahead to make this part of your weekly shopping budget.

12. Coffee or espresso-making contest

This requires some creativity and effort, but the rewards are worth it! Gather your friends and tell them to bring their coffee, french press, or espresso makers. Then challenge each person to create the best drink they can, using what they already have.

Each drink must be tested by the others in the group as the expert judges. Then, everyone votes on the best-caffeinated beverage. But really, didn’t everyone already win by drinking a ton of coffee?

Personally, this might be my favorite get together idea. If your friends, like me, are coffee lovers, you can’t beat this activity.

13. Shop each other’s closets

Some upcoming Saturday, head over to a friend’s house and see what you can borrow or trade. Not only can you avoid spending, but you can also save when you shop your friend’s closets! Then let them do the same with your closet.

It will feel like you got a whole new wardrobe! Shopping each others closets is one of the best free things to do with friends for fashionistas on a budget!

14. Book and wine club

Perhaps you have a bottle of wine sitting around you haven’t opened yet. If you do, then this is one of the simplest and fun things to do for free with friends!

Pick out a great novel or non-fiction book, and read a chapter a week. Then meet up to discuss and have a glass of wine or two. It’s a great way to connect that’s relaxing and entertaining.

15. Progressive dinner

This is like a potluck but with a twist. You start off at one friend’s house for appetizers. Then you move on to the main course at another home. From there, another friend will host for dessert.

It’s an elegant way to spend an evening out doing something unique. For more ideas, see Alex Heinz’s article in Apartment Guide featuring themes and planning thoughts for your progressive dinner.

16. Explore a new neighborhood

So have you seen all the interesting sights in your city? If not then take an afternoon to explore with a friend. Check out a part of your town you haven’t seen before, window shop, walk around, and see what’s out there.

17. Put together a photo album

Putting together a photo album is another fabulous activity that you can do with friends. Ask each friend to contribute a few photos and put them in a friendship photo album.

While you’re at it, see if anyone has a blank photo album laying around that you can use. It’s an excellent way to keep your memories close and spend an afternoon with your best friends.

18. Poker night but don’t use cash

So you may be thinking you have to gamble to have a good night of poker but poker doesn’t have to be about losing money!

You can host this event at your place and use chips instead of cash. You can still enjoy an exciting game and participate in the competition without the worry of losing any money.

19. Learn a language together

Have you and a friend always wanted to learn a new language such as French or Portuguese? If so, then pick up some books at the library to help you learn and practice.

Meet together once a week to go over new vocabulary, have a conversation, and maybe even watch TV shows featuring that language.

20. Take an online course or class that is free

There is so much to learn, and a lot of information doesn’t even cost money. Pick a subject and get a small group of buddies together. You can take a free course or watch a master class about something that you all find interesting.

Topics to consider: investing, real estate, fashion, filmmaking, graphic design, technology. Learning is one of the best fun things to do for free with friends!

21. Make a scrapbook

Collect mementos that remind you of good times with your friends and add them to a scrapbook. You can include photos, ticket stubs from movies or concerts, funny notes, and anything else representing your friendship.

22. Make jewelry or a craft from things you have around the house

You probably have enough items to make a craft or some jewelry between you and a few friends. Look for beads, thread, glitter, or maybe even items to make candles or soap. You could even start making crafts to sell for extra money!

23. Have a cleaning party and clean out your garages or closets

Do you have a bunch of stuff taking up space in your home or garage? It’s way more fun to clean and organize with friends. Take turns stopping by each other’s houses and help get everything sorted and ready to sell or donate.

24. Volunteer somewhere

Volunteering is another wonderful thing you can do with your friends. Pick a cause that you and your friends care about and get involved.

Try helping out once or twice a month by giving your time to a charity. You get to give back and spend time with people you care about while making a difference.

25. Go hiking

Get some fresh air and exercise! Grab one or two friends who are up for a challenge and hike an area near your town. If you are an experienced hiker, consider an all-day hike. Enjoy the sun and get in tune with nature.

My friends and I go hiking quite often, and it’s fun because not only do we get a good workout, but we get to have a fun experience and enjoy nature.

26. Have a bonfire night

When talking about fun things to do for free with friends, there’s simply nothing like a good bonfire, and it’s best for crisp fall evenings.

Gather a group, roast marshmallows, serve cider and hot chocolate, and tell ghost stories. An evening to remember – at no cost.

27. Go explore a town that’s miles away

Grab one of your most adventurous buddies and head out to explore. Find a town that is not too far but is also one that you’ve never explored.

Check out the sights, free museums, and take photos. Being in a different environment and seeing something new is a great way to better get to know your friends.

28. Rollerblading

Rollerblading may be a bit retro, but it’s fun! Dig out your old rollerblades from the back of your closet and head out to the park or skating rink. The more people, the better so invite everyone!

29. Skateboarding

If you happen to be a gifted skateboarder, grab a friend who’s a novice and offer to teach them the ropes, or vice versa if you are new to it. Head to the skate park and have some fun trying out tricks ( or at least not falling down).

30. Baking competition

These are not just for TV – you can have a baking competition in your own kitchen. A small group of about 3-5 bakers should work well – but bring in as many judges as you like! You can all bake the same thing, or you can come up with your own creations.

And it’s the most fun when everyone wins. (You can judge desserts as “most creative” or “most colorful,” etc.) Then, enjoy the free food!

31. Stargaze

Head to your backyard and check out the stars on a clear night. For extra fun, invite your friends to bring beverages and snacks while you look for constellations.

Don’t know where to start? The Sky and Telescope website has some great information about the night sky.

32. Give each other manicures and facials for a mini spa day

Manicures and facials are fun and easy, and you probably have everything you need already. So gather up your nail polish, warm towels, favorite serums, and your friends.

Play music, light candles, and create a spa day atmosphere for the event. It’s also a great way to treat yourself without spending money going to the salon!

33. Go camping

Head out for the weekend and camp! Bring sleeping bags, a tent, flashlights, and food. If you’ve camped before, you probably have all these items handy. If not, you can find everything you need between you and a few friends.

34. Picnic

Try out this for fun things to do for free with friends: a picnic is a classic way to hang out outside and chat.

Invite a few people to join you at a local park or even your backyard. Make some sandwiches, granola bars, chips, and drinks, and be sure to include a blanket to sit on.

35. Reading contest

A great way to enjoy a new or old favorite book series is to have a reading contest. Tell some of your group about it and see who’s interested. Bragging rights for the winner! You can borrow books from each other or from your local library and see who can read the most.

36. Just catch up over coffee

Sometimes simplicity is best because life is about collecting moments, not things. So if you’ve been missing one of your friends, invite them by on a Saturday morning for a latte or tea. Sit together and just catch up about all the things going on with you.

Chatting over coffee is usually my go to when it’s been a while since I’ve seen one of my friends. It helps us to reconnect and it’s super easy to plan.

37. Trade artwork or decorations

If your home’s decor could use some help, there’s no need to spend. Ask a friend if there are any of your decorations they happen to love, and then trade for something of theirs. It’s a creative way to liven up your living space and save money.

38. Have a party for no reason with music and appetizers

Introducing the no-reason party. Just get together because you can! Make dinner or appetizers, serve drinks, talk or play video games. You could even have an open mic night and dancing!

Enjoy being with your favorite people without any sort of occasion. Remember to use what is already in your cabinet so you don’t have to spend any money!

39. Make a time capsule

Ever wonder about the past? People in the future would love to see what was going on now! So take some items and make a time capsule with your friends.

Ask everyone to add something meaningful and see what you come up with. When putting together a time capsule, check out the Library of Congress website for the best practices.

40. Learn a new sport

Tennis, croquet, volleyball, or skiing are fun to learn. So try out a new sport and bring a friend along with you. This works exceptionally well if your friend knows how to play a sport you’re interested in and can teach you.

Expert tip

Spending time with your friends doesn’t have to involve spending money. To make sure you have a great time, plan out what you’d like to do ahead of time. This way you’ll never find yourself feeling like you have nothing to do or like you need to spend money.

Benefits of finding fun things to do for free with friends

Sometimes we forget that it isn’t about impressing people, going to the fanciest parties, or trying out every new food spot in town.

Most of the time, hanging out with your friends should be about just that – talking and bonding with them. The focus shouldn’t be on how much is spent, but on how much quality time you spend. And of course, much fun you can have!

When you choose to save money and be creative about how you hang out with your group, you let them know that they are valuable to you. You care about the friendship and want it to grow. Another significant aspect of this is you do save cash.

If you usually spend quite a bit going out with your pals, then you may end up saving hundreds of dollars a month or more! This doesn’t mean you can never do anything that costs money but be intentional about spending instead.

Spend on meaningful experiences to you, and make your friends a more significant part of your life by seeing them often and enjoying all the fun things to do for free with friends.

You can also focus on cutting your budget in other ways so you have more money to spend on events that do cost money.

How do I have fun with no money?

There are so many ways to have fun with no money whether it’s by yourself or with friends. From going to walks in the park to bike rides to potluck dinners and having a games night. Make a list of things you’d like to do that cost no money, and then create a plan to do the things on your list.

How can I spend my free time with friends?

To enjoy spending your free time with friends, create a plan of things to do before hand! With a plan in place, it’s easier to maximize the free time you have and you’ll be less likely to slip into the tempation of spending money because you couldn’t figure out any free things to do.

If you’ve enjoyed this article on free things to do with your friends, check out this related content!

There’s a huge variety of fun things to do for free with friends!

Hanging out with your favorite people without spending doesn’t have to be boring it can be plenty of fun. In fact, there are tons of fun free things to do with friends.

From learning a new language to shopping each other’s closets to concerts and picnics, all it takes is a bit of thought to come up with something interesting to do.

Your friends are the people who are there for you and care about you. Pick out a few activities to try to show your appreciation. Fun things to do for free with friends have never been easier!

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What Is The Cheapest Way To Move Out Of State? https://www.clevergirlfinance.com/cheapest-way-to-move-out-of-state/ https://www.clevergirlfinance.com/cheapest-way-to-move-out-of-state/#respond Tue, 13 Jun 2023 09:03:00 +0000 https://www.clevergirlfinance.com/?p=10695 […]

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Are you looking for the cheapest way to move out of state? The reality is that moving long-distance can be quite expensive, more so than local moves. From packing supplies to transportation, the cost to move can really add up.

Not to worry, this article will help you maximize your budget as you prepare to move!

Cheapest way to move out of state

Depending on how far you need to move and how much stuff you have, it could cost over $14,000. If you don’t have that money saved, that can be a huge expense.

The great news is that there are some frugal tips that you can incorporate to save on moving expenses. Before getting into those tips, you’ll need to understand the expenses that you may incur.

Moving expenses to consider before finding the least expensive way to move out of state

There are a lot of expenses that go into an out-of-state move. Once you’re aware of what they are, you’ll realize that there are much cheaper ways to move out of state instead.

Movers

A significant cost for moving is actually hiring movers, and you’re probably thinking, “What are the options to move my stuff to another state? Can I hire out of state movers near me?”

There are professional moving companies that pack your items for you and transport them to your new home, then help with unloading and unpacking services (with full-service moves). Others will simply transport your belongings that you’ve already packed, depending on the type of customer service they offer.

Either way, there are cheaper ways to move out of state than hiring movers or using a company that offers full-service packing and unpacking for your items.

Be sure you do your research and read the reviews on the moving company you select. Don’t forget to ask for a moving quote or estimate. And be sure you’re using the best moving company, one that has nationwide availability rather than local movers.

Transportation

Although your items may be squared away with professional movers, you’ll still need a way to get to your new location. The least expensive way to move out of state, as far as you getting there, may be driving.

If you don’t plan to drive, you’ll need to consider the cost to transport your vehicle and yourself. That means that you may have to buy a plane ticket to fly.

Supplies

Before you can even move, you’ll need supplies to pack up your belongings. Doing this will require you to purchase packing materials like boxes, tape, and even shrink wrap.

Fragile items like your television may also require special crating so as not to break any household goods in transit. Supplies can quickly get costly, especially if you have a lot of things to load and move.

Deposits

There’s much more to moving out of state than boxes. If you’re moving into an apartment, it will likely require a deposit. Additionally, depending on your credit score, you may also have to pay a deposit for your utilities as well.

Cleaning & repairs

If you’re selling your house or leaving an apartment, you’ll need to clean the place up before you leave. In some cases, this means more than a mop and bucket. Consider the cost of renting a professional carpet cleaner and perhaps even a few buckets of paint.

Remember you may have to do some deep cleaning and minor repairs at your new place too. Which will be another cost to consider upon arrival.

Storage

Are you wondering, “How do I move my stuff to another state when I don’t have much time?” Everything may not make the initial move, or you may have a time frame that means you’ll need to store items short-term. You’ll want to consider these scenarios and the cost of storage units or facilities if you need this.

Also, remember if you’re moving to a smaller space, such as moving from a house to a one-bedroom apartment, you may not have room for all of the things you used to store in your home. Storage facilities will also come in handy then.

Registrations & licenses

A new state means new registrations and licenses for your vehicle. Don’t forget that you’ll need to put money (and time) aside to get all of these updated.

6 Ways to move out of state cheaply

The least expensive way to move out of state is to move your belongings yourself. Instead of hiring professional movers, you can do the work yourself to save on costs.

This means that you’ll be responsible for packing up your belongings and transporting them to your new location.

The great news is that you have some cheaper ways to transport your belongings when you move. Here are some tips:

1. Rent a moving truck

To transport your belongings for long-distance moves, you can rent a moving truck e.g. a U-haul. Depending on the size that you need, the cost of a rental truck can vary.

It’s significantly less than hiring a company, which can help when you’re looking for the cheapest way to move to another state. However, it also does not include gas and any other travel-related expenses that you might require—like food and any hotel stays.

A moving truck is a good option if you have a lot of furniture and other items to move. It also makes sense if you have the manpower (hello, friends and family!) to move all of your belongings into and off the truck.

In this scenario, you can hitch your vehicle to the back of the truck so that you don’t have to pay a separate expense to have it moved.

You can check out moving truck companies that offer online quoting to get started.

2. Rent a cargo trailer

For smaller moves, you can always rent a cargo trailer that can be hitched to the back of your vehicle. Of course, this means that you will need a vehicle that can hitch a trailer.

The same considerations that you use for a rental truck will apply to the trailer. Meaning that you’ll need to plan for travel expenses as well.

Move out of state cheaply infographic

3. “Hire” friends and family

Recruiting your friends and family to help you DIY move is probably the cheapest way to move out of state. Instead of paying them the rate you would professional full-service movers, you can cover their travel costs and food instead. They can help you pack and even travel with you to unload.

Having your friends and family help could also mean that you have enough vehicles to not have to rent a moving truck. Perhaps someone you know owns a pickup truck with a bed to put your belongings in.

Getting your loved ones involved can make for a fun and really inexpensive move, and you won’t need to bother with long-distance movers.

4. Get your packing supplies for free

Did you know that you can get boxes to help you move for free? Retail stores constantly go through boxes that they may be willing to let you have for free. For instance, when I moved I was able to get boxes from a local wine store.

Finding the least expensive way to move to another state involves lowering packing costs. Visit some local stores in your area to ask for boxes that they’ll likely break down and recycle anyway. These boxes will be great for the odds and ends that you’ll need to pack up.

5. Ship your items in a moving container

When wondering, “how do I move my stuff to another state”, you may not have thought of this option. If you don’t need your items right away, you can always leverage shipping containers to store and move your stuff. In this case, you’ll have a container delivered to your home for you to pack up.

When you’re done, the container will be shipped to your new location for you to unload. The cost for this option will vary depending on the number of containers you need to rent and the distance that you’re moving. However, it can be cheaper than hiring professionals and way less of a hassle for you.

6. Sell your stuff

If moving your stuff seems like it’ll be too expensive, consider selling your stuff. The least costly way to move to another state is to actually make money instead of spending it, right?

Even if you don’t sell all of it, reducing what you have to pack or ship can help you save space and cost. It will certainly make unpacking easier!

Especially if you have any large items like a piano that you’d rather not move, this could be the solution. The money that you make from selling your items can be put toward renting a moving truck or to fund those deposits and other moving-related expenses.

You can sell items on platforms like Facebook Marketplace, Facebook groups, and on Craigslist.

Expert tip

As you start thinking about moving out of state, be sure to lay out an actual moving plan that includes your moving cost calculations.

Creating your plan will ensure you know how much you are spending and will help you track your timelines and associated costs accordingly.

Moving without a plan can lead to additional costs if you book things last minute or forget to plan for certain things e.g. gas for the moving truck, extra moving boxes or bubble wrap etc. So keep this in mind!

Other ideas for the cheapest way to move out of state

Coordinating an out of state move can become overwhelming. Here are some tips to help make the transition easier as you look for the cheapest way to move to another state.

Weigh the costs

Now that you know how much it can cost to move, you should weigh the cost to determine if you can afford to move. Before moving cross-country, weigh the costs by listing out all of the expenses and creating a budget. You can also use a moving cost calculator.

You’ll need to include the cost of a moving service and packing services if needed, any short or long-term storage, and additional services you may need.

You should also consider compensation for the moving truck company, any hidden fees for moving services, and also everyday expenses for the first month. These could be things like groceries, insurance coverage, and anything else you need to pay for while you are transitioning to a new job.

And remember that where you are moving to can have an effect on your budget. The cost of living may be higher than what you’re used to.

Also consider distance, for example, it is likely a lot cheaper to move from New York to Virginia or Rhode Island than to move from Florida to Washington State.

Create a moving checklist to help you save money

One of the first things that you should do before moving is to create a moving list. Having a moving out of state checklist will help you stay organized with the many tasks that moving requires.

Here’s a quick list of what to do, but you can use our moving out of state checklist for more explanation.

1. Save your money

Even if you’re looking for the least expensive way to move out of state, you’ll still need some money for a move. Start saving now and create a sinking fund to help you get some money together over the next few months. Moving will be much easier with some cash.

2. Decide on a neighborhood

Before you move, figure out what neighborhood you want to live in, and be sure to look around at housing options. Buy or rent your new place before you leave the old one and consider prices to be sure the new place fits your budget.

3. Take care of all paperwork in advance

You’ll need to do some paperwork when you move, including updating your address, getting a new I.D., and more. Try to do all of this before the move or in the first month to make life easier and plan for any expenses.

4. Decide what you need to buy when you get there

Will your new place come with appliances, or are you bringing your old ones? Make a list and save up for what you need to buy, especially anything expensive like furniture.

5. Clean your old and new house

Before you move, clean. After you move into your new place, clean.

It’s pretty simple, but it’s good manners to leave your old house in good shape, and cleaning your new house will give you peace of mind. Remember to plan for cleaning costs.

6. Grocery shop

When you first move in somewhere, it’s easy to justify a lot of eating out expenses, because appliances may not be there yet or you’re too busy to cook.

Even if this is the case, the cheapest way to move out of state would be to cut costs by stopping by the grocery store. Picking up a cooked chicken and some sides is still likely to be cheaper than going to a restaurant, and you can save some serious cash over your moving week.

7. Visit beforehand

If you’re able to, visit the state that you’re moving to beforehand, especially if you’re doing a cross country move. It will allow you to explore the area, experience the climate, and find medical facilities, a local bank, and schools. Visiting can also help you find out more about prices in the area.

8. Avoid holidays or peak moving seasons

Relocation alone can be stressful, especially an interstate move. Don’t make it worse by moving during peak seasons.

If you can, try to avoid moving during holidays or peak moving seasons, like summer. During these times, you can expect to pay premium prices for travel expenses—like gas and hotel stays.

Where can I find out of state movers near me?

So after figuring out how to stay on budget, you may ask, “how do I move my stuff to another state and hire long-distance moving services?” Out of state moving services should be easy to find.

Start with Google and type “out of state movers near me”, and also check out Yelp for reviews of companies.

When you’re asking “how do I find out of state movers near me?” here are a few good options to help you with your search:

  • International Van Lines: They offer excellent moving services and have a reputation for being the best company to work with. They’ll even ship your car!
  • Interstate Moving and Relocation Group: A moving broker that can help you find the right company for you that is affordable.
  • American Van Lines: Fast movers that will get your items to your destination quickly and they offer specialty moving services as well.

How can I move cheaply?

When it comes to moving cheaply it’s all about minimizing how much you spend. So ask your friends and family for help with packing and moving.

Need free moving boxes? Visit your local big-box retailers like Costco, BJs, Walmart, or Target and ask for cardboard boxes that they would typically throw away

Does a family member or friend own a van or pickup truck? Ask for their help with moving as a favor and offer to buy them gas if they drive you. Moving cheaply will require you to get creative!

Is $5,000 enough to move out?

$5,000 may be enough to move out depending on the cost of living where you plan to move to and if you create a plan to live frugally. You’ll need to ensure your moving calculations include packing supplies, moving transportation, as well as any application fees and deposits for your new place.

It’s also important that you factor in 3 to 6 months of emergency savings. If you are not in a hurry, you can focus on saving extra money, so you can move out confidently.

If you enjoyed this article on the cheapest way to move out of state, you’ll like these ones too:

Find the cheapest way to move out of state!

Moving out of state doesn’t have to be expensive. Make sure to get a quote for any storage services and Google long-distance moving company options to see what prices are available. And be on the lookout for deals to find the cheapest way to move to another state.

The great thing is that there are cheaper options for many of the expenses that you can expect to incur from moving. Try some of these cheap ways to move out of state to lower your moving expenses.

Looking for ways to save money and also be frugal is a great practice. And there are many ways you can cut costs in the months leading up to your move to increase savings. To find out more about finances, see our free courses.

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27 Frugal Tips From The Great Depression To Leverage Today https://www.clevergirlfinance.com/frugal-living-tips-from-the-great-depression/ Wed, 10 May 2023 20:27:50 +0000 https://www.clevergirlfinance.com/?p=49456 […]

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Everyone always has new hacks and tips on how to save money. But it isn’t necessary to reinvent the wheel to change your financial situation. Instead, you can look to the frugal living tips from the Great Depression that a lot of our grandparents used.

Frugal living tips from the great depression

The Great Depression from 1929 to 1939, was the gravest economic downtown in U.S. history. The stock market crashed; the unemployment rate reached new heights; and industrial production was severely impacted.

During the Depression, everyone had to learn how to scrimp and save and there’s a lot we can learn from that era today. Even if you’re not in dire straits, following frugal tips from the Great Depression can help you cut your expenses and save money.

That said, here are 27 great depression frugal living tips and ideas we can all learn from:

1. Make your own soap

Nowadays, most people use liquid soap in the shower and at the sink. But liquid soap is actually a lot more expensive than bar soap!

Plus, you’re more likely to use up liquid soap (and have to repurchase it) faster than you would bar soap.

You can save even more cash by learning to make your own soap, which is one of our best frugal living tips from the Great Depression. The ingredients (like oil, water, and wax) cost just pennies, and the steps are very simple to follow.

Besides that, it’s a pretty fun activity, too! Discover how to make your own soap from Lovely Greens.

2. Wear clothes more than once before washing

You don’t actually need to wash all the clothes you wear after just one day’s use.

Of course, it’s a smart idea to wash things like underwear, socks, and gym clothes after every use. But your jeans, sweaters, and pajamas can likely stay clean and smell fresh even after a few wears.

In the end, by cutting down on how much laundry you do, you’ll reduce your electricity use and save money.

3. Keep warm with a hot water bottle at night

The Department of Energy explains that heating is likely the biggest monthly energy expense in your home. Want to make that bill shrink? Try using a hot water bottle at night as one of the frugal living ideas from the Depression.

This is an old-fashioned trick that not many people still do, but it can help you save a lot of money on heating.

In the evening, take a hot water bottle to bed with you. The hot bottle will help keep you warm, so you don’t have to use your heater as much and won’t have to spend so much on heat.

4. Learn a few sewing skills

Don’t worry-we’re not saying you have to start making all your clothes from scratch! But knowing a few basic sewing skills can definitely help you save a few bucks in the long run.

For example, start by learning how to sew a button on a shirt or patch up a hole in a sock. This way, you can mend what you have instead of having to run out and spend money on brand-new clothes.

5. Do all your errands one day a week or less

During the Great Depression, there weren’t 7-Elevens and Targets just around every corner. This meant people didn’t go to the store whenever they needed one thing (or whenever they were bored).

Instead, they went to the market and got everything they needed all at once in one trip for the week.

You can do this, too-and you’ll be shocked by how much cash it can save you.

First, it’ll help you save money on gas because you won’t need to go back and forth taking multiple trips to the store. Plus, it will help limit your impulsive spending since you simply won’t be at the store (and won’t be tempted) as often.

6. Track your spending

One of the most fail-safe ways to save money is to track your money. That means taking a look at where your money goes each month.

Remember: It’s not enough to just create budget categories and write them down; you also have to track your spending to see if you’re actually following that budget.

To track your spending, you can use a free app, a spreadsheet, or a spending journal.

First, figure out where you’re overspending. Then, find ways to make changes so you can cut out unnecessary expenses.

7. Make a herb garden

Herbs take up less space than vegetables, so they’re easy to cultivate even if you live in a tiny apartment. Plus, an herb garden will give you big cost savings! Just think about how expensive fresh herbs are at the grocery store.

8. Cook with leftovers

Today, people are too quick to throw away leftovers. Often, this is because they think it’s simpler to start over rather than to work with what they have.

But during the Great Depression, most people didn’t have a choice but to learn to cook with leftovers.

There are plenty of ways to reinvent leftovers to turn them into tasty, new dishes. And it’ll lighten your grocery bill, too.

If you’re not the best cook, (or even think, “I hate cooking!”) don’t worry. Check out leftover recipes from BBC Good Food.

9. Look through the pantry before going to the store

Similar to cooking with leftovers, learning how to shop what you have before heading to the store again will really cut down your food expenses.

It’s easy to find a recipe online and then go and buy all those exact ingredients-but it can also be expensive.

Instead, one simple frugal living idea from the Depression is to check out your pantry first. See what you have, and try to come up with a meal with those ingredients.

If you’re stuck, you can always Google it to try and find a recipe to guide you.

For example, if you’ve got zucchini, tofu, and corn at home, just search: “Recipes with zucchini, tofu, and corn” to find some inspiration.

This Depression-era savings tip will help eliminate food waste and shrink your grocery bill.

10. Purchase a whole chicken

Today, it’s easy to go to the grocery store and find boneless, pre-cut chicken breasts neatly wrapped in plastic. While this may seem convenient, it’s hugely wasteful and, actually, a lot more expensive than it needs to be!

Instead, try buying the whole chicken. To make things easier, buy a whole roasted chicken.

This gives you: 1) dinner for tonight; 2) leftovers for lunch tomorrow (cold lunch ideas are great for this); 3) bones to make stock with.

Believe it or not, a whole chicken actually costs the same if not less than pre-cut, boneless chicken-and you get three meals out of it instead of one!

11. Eat less meat

Often, meat is the most expensive ingredient on your shopping list.

There are much cheaper ways to get protein in your diet.

For example, you could eat more lentils, beans, eggs, or fish. Plus, eating less meat is a more sustainable choice that’s better for the environment.

Not sure where to start? Check out these cheap vegan meals from The Green Loot.

12. Buy reusable products

Back in the 1930s, people didn’t have as many disposable products. Obviously, this is better for the environment. But it’s also better for your wallet, too, and it’s one of the best frugal living tips from the Great Depression!

By switching to reusable products instead of disposable ones, you’ll save money because you won’t have to run to the store to buy replacements as often.

For example, you can switch to cloth napkins and cloth towels instead of paper towels and paper napkins. If you’re a coffee drinker, consider switching to a reusable coffee filter instead of using paper filters and/or metal pods.

13. Start a vegetable garden

Growing your own vegetables at home is much less expensive than buying them. Sure, fresh vegetables may only cost a few bucks at the store, but it costs just pennies to buy vegetable seeds to grow at home.

Plus, home-grown vegetables taste a lot better than their store-bought counterparts.

Best of all, starting your own vegetable garden isn’t as hard as it may seem.

For one, you don’t even need to have a backyard. If you can place a few pots near a window, then you can start growing your very own tomatoes, cucumbers, peppers, and much more for a fraction of the grocery store prices.

14. Invest in quality

Slow fashion vs fast fashion was simply not a thing back in the day.

Instead of having three dozen cute but cheap outfits from Zara or H&M, people had fewer clothes that they re-wore more often. You can do the same today by investing in good-quality pieces that will last longer than cheap clothes that will rip or fall apart quickly.

For example, consider investing in a great pair of leather shoes. While good-quality leather shoes can be expensive, they can also be repaired. You can take your leather shoes to the cobbler, again and again, to get them reheeled and polished.

This means you can wear the same pair of shoes for years to come instead of constantly needing to buy new ones.

15. Upcycle furniture instead of buying

Even budget furniture can cost you a couple of hundred dollars.

So take a cue from frugal tips from the Great Depression and learn about upcycling and flipping furniture instead.

Back in the day, they didn’t call it upcycling; it was just what they had to do to get what they needed on a budget. But today, there are all kinds of fun tips and tricks to convert old furniture into like-new pieces.

Best of all, you can find old furniture to upcycle for very cheap or even free for a huge savings win!

Get started with this guide on upcycling for beginners from House Beautiful.

16. Buy things second hand

If you’re not a DIY kind of gal, you can still save by avoiding buying brand-new items from the store. What can you do instead? Buy things secondhand.

Today, the internet makes it even easier to find what you need secondhand.

For example, you can use Facebook or eBay to buy second-hand appliances, electronics, books, furniture, toys, etc. To save money on clothing, you can also check out thrift shops. And don’t forget about yard sales for a treasure trove of cheap finds to save you money!

17. Make your own cleaning products

Why waste your money on name-brand sprays, scrubs, and gels to clean your home when you can DIY everything you need instead?

You can use different combinations of diluted vinegar, baking soda, and lemon juice to clean pretty much anything in your home-from sinks to toilets to countertops-and it costs just pennies.

Watch out, though. Some surfaces (like marble, for example) can’t tolerate these chemicals, so make sure you do your research before cleaning. Reader’s Digest gives a great guide on baking soda and vinegar cleaning solutions for your home.

18. Share with your neighbors

In tough times, it’s nice to know you have a community to turn to. Today, many people take a big sense of pride in being independent and owning everything they need. But it’s fine to ask for help.

In fact, when you can borrow from and lend to your neighbors, everyone wins!

For example, cooking a big meal for a dinner party? If you rarely host, consider borrowing your neighbor’s crockpot (that you’ll likely only use once) before going out and buying your own.

In turn, let your neighbor borrow your lawn mower. Or watch their dog while they’re on vacation.

If everyone helps each other out, everyone can buy less and save more money in the long run.

19. Learn how to store and preserve produce

Whether you buy your fruits and vegetables (hopefully, on sale!) at the grocery store or you grow them yourself at home, don’t let a single thing go to waste. Notably, food waste isn’t just bad for the environment-it’s also bad for your wallet, says the United States Environmental Protection Agency.

So try out one of the frugal living tips from the Great Depression and learn how to store and preserve produce so you never let them go to waste.

For example, you can learn how to freeze, dry, jam, can, and even pickle different kinds of produce.

20. Learn to DIY around the house

Some people may have more of a knack for it than others, but we can all learn how to be a little handy around the house and use one of the frugal living tips from the Great Depression. And the more you can learn to DIY, the more cash you’ll save because you won’t have to always call in (and pay) a professional.

You don’t have to do everything yourself. But just picking up a few tricks here and there can give you some creative ways to save money.

For instance, you can learn how to paint your own rooms, unclog your own drain, shovel your own driveway, mow your lawn, etc.

21. Use less electricity

This is one of the frugal tips from the Great Depression that’s likely to save you the most cash-and it’s also the easiest.

It’s obvious that the average American household today uses more electricity than in the 1930s, so look to history for inspiration on how to lower electric bill costs.

For example, use natural sunlight more by leaving the lights off during the day. And remember that saving energy doesn’t just save you money; it’s better for the environment, too.

22. Relax by candlelight

To save money at home and use one of the smartest frugal living tips from the Great Depression, why not switch to candlelight after the sun goes down?

Of course, you don’t have to do this every day. But even switching to candlelight a few nights a week can really cut back your electricity use and your electricity bill.

Plus, it can actually be really enjoyable to relax by candlelight! For one, it’s easier on the eyes. If you spend the evening reading by candlelight before bed, you’ll use barely any electricity at all. Better yet, candlelight sets the perfect scene for a cozy or romantic evening!

23. Just a dab will do ya

Fun fact: You don’t need to use as much toothpaste as they show you in the commercials, says Health. Double fun fact: You don’t even need to use toothpaste at all, says Advanced Dental Arts NYC.

We’re not saying you should give up toothpaste. But when it comes to lotions, potions, soaps, and most cosmetics and cleaners, you don’t need to use as much as you think.

Try sticking to the old motto, “Just a dab will do ya!” By using less of a product on a daily basis, you won’t run out of your products as quickly, and you won’t need to spend money to replace them as often. Win-win.

24. Use things up before replacing

Too often, we get tired of what we have and rush out to buy something new before it even needs replacing. That definitely wasn’t the M.O. during the 1930s! Back then, the Depression-era motto was, “Use it up, wear it out, make do or do without.”

If you live by this motto today and only go shopping when you’ve actually run out of something, you can end up saving a lot of cash and use one of the frugal living tips from the Great Depression.

25. Go to restaurants less often

You can bet that not many people were going to restaurants during the Great Depression. While you don’t have to cut restaurants and coffee shops completely out of your lifestyle, reducing how often you eat out can significantly increase your monthly savings.

For example, do you buy lunch every day at work? Start by making your own lunch and bringing it to the office. You can also start making your own coffee instead of going to your local shop.

A good tip is to see restaurants and coffee shops as a once-a-week treat or even a monthly expense instead of a daily expense.

26. Entertain yourself for free

When you’re bored at home, getting ready to meet with friends, or preparing to go out on a date, it can get expensive-fast. This is understandable.

Often, the first thought is to just go out to eat or get a drink. But eating and drinking out on a regular basis can end up being really expensive. So can indulging in a shopping habit, going to the movies, and taking a weekend trip.

But there is always stuff to do at home (alone, with friends, or with your partner) for free! Here are some ideas:

27. Make payments in cash

Hear us out: You don’t have to ditch all online payments in order to be more frugal and save money. After all, online payments and credit cards can make it a lot easier to manage payments for rent, electricity, internet, car loans, etc.

But online payments and credit cards also make it way easier to start impulse spending, which is why switching to cash can be a good idea.

For example, try paying in cash for things like groceries, restaurants, and other day-to-day purchases.

By paying in cash, you’ll be more conscious of how much you’re spending-and you’ll be less likely to make big impulse purchases.

Expert tip: Layer up your savings ideas!

The key to saving money using these ideas without burning out? Try adding in a couple of low-maintenance savings ideas and then one that is a bit more challenging.

For example, you might use things up before replacing them and shop your pantry before going to the store (easy). But then also start making your own soap (more time-consuming but helps you save.)

Can you use these Depression-era ideas to save and still have fun?

Using some of these frugal living tips from the Great Depression will help with your savings goals, and you can still enjoy life! You can be frugal and have fun by making some of these ideas into habits and saving money without really noticing.

What is the best Depression-era idea to save money?

One of the best ideas from the Depression is to grow your own food. Start a garden, learn about preserving and canning, and find ways to stretch your grocery budget further.

How do you live frugally?

Living frugally means that you are conscious of the money you spend, and you look for ways to save often while still enjoying a high quality of life. You can use the tips here and find many more.

Enjoyed this article? Check out more of our articles on frugal tips!

A 21st-century lifestyle with Depression-era savings!

What’s old is new again! There’s plenty you can learn from these frugal living tips from the Great Depression. But we’re not saying you have to live like it’s 1931.

Instead, just try incorporating a few frugal tips from your grandparents’ era into your daily routine. They can really impact your motivation for saving money and how much you save.

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Frugal Vs Cheap: Why Frugal Is Better! https://www.clevergirlfinance.com/frugal-vs-cheap/ Fri, 20 Jan 2023 13:54:39 +0000 https://www.clevergirlfinance.com/?p=42631 […]

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Frugal vs cheap

There are both positive and negative ways to save money, and the way you save can impact your friendships, finances, and more. Being frugal vs cheap makes a difference!

When you’re on a mission to save money, the last thing you want is to fall into the trap of being cheap. Luckily, there is another way to go when you’re trying not to overspend.

In the following guide, we will take a look at the difference between cheap and frugal, and why it matters.

Frugal vs cheap: what’s the difference?

The cheap vs frugal conundrum can be tricky to get your head around when you first start out. Yes, frugality and cheapness have a lot in common — they are both about saving money.

So, what’s the difference between cheap and frugal in real terms?

Being frugal is positive while cheapness is negative

The answer is that one is about saving money no matter the personal cost or the cost to those around you.

Frugality is about getting value out of your expenditure while also saving money where possible. When you choose this pathway, you can start to build real financial stability and a future in which you are as supported as you need to be.

Cheapness is about scrimping, missing out, and making those around you pay for your lifestyle choice. It is an all-around negative way to save cash.

7 ways to know if you're cheap vs frugal

Let’s get down to the specifics when it comes to the cheap vs frugal debate. Understanding what each means can help you determine which camp you’re in right now.

Don’t panic — you can always adapt your behavior to become frugal instead of cheap. Here’s what you should know to understand each of them.

1. Being frugal means being strategic with your finances

Frugality is a smart choice when you’re hoping to save money for your future. The average American under 35 only has $3,240 in savings while those between 55 and 64 have around $6,400. When you’re trying to become financially stable, you have to tighten up.

You save money where you can so you can afford the things that really matter

If you adopt a frugal approach to your finances, you will have more excess money to save on a monthly basis. That doesn’t mean going without the things that either you or your family need. Instead, it is finding ways to avoid spending needless amounts of money.

That means that when something you want to spend money on comes up, you will have the means to do it.

Becoming more frugal vs cheap in your everyday life means that you can choose to splash out on things when the occasion arises. That may mean a vacation or special gift, for example.

2. Being cheap can mean making others pay your way

Have you ever watched the show Extreme Cheapskates? The reality TV hit perfectly encapsulates what it means to be cheap.

If you choose this lifestyle approach, you will cut costs at every turn. The big problem is that you often end up getting what you pay for.

You may lose friendships if you won't ever spend money

When people are cheap, they don’t like parting with their money on any terms. For that reason, they may make the people around them pick up the bill. Sneakily having others pay for your food, drinks, and even events won’t do you any favors in the long run.

While their motives may not be completely negative, this approach to spending is not fair to other people.

Should people feel as though they are always picking up the check, they may stop inviting the so-called “cheap” person out for dinner or drinks.

Frugal vs cheap infographic

3. Frugal people are selective about what they spend money on

Are you smart about how you spend your money? Do you even know where it all goes? American families spend more than $2000 a year on takeout and dining, for example.

You could cut back on that expenditure by making your lunch at home and taking it to work with you.

Frugality appreciates quality but doesn't overpay

When you are a frugal person, you look for ways to have the same quality of life without spending too much. Having a homemade lunch means that you can still enjoy a hearty meal during the workday — it just won’t cost you the earth to do it.

Being frugal is all about being selective when it comes to how you spend your money. That means that how you decide to spend it should depend on you and what you believe is important. Keep that in mind when making financial decisions.

4. Cheap people don’t want to spend money on anything

When we talk about the frugal vs cheap dilemma, there’s one thing to keep in mind. Cheap people will avoid spending money.

For instance, if your coworkers are planning a birthday meal and everyone is contributing some money, a cheap person may avoid attending even if they have the cash to spare.

Cheapness can make you miss out on life experiences

For that reason, you may find that they make excuses or avoid hanging out with people when it will cost money. As you might imagine, that can have a negative impact on a person’s life. Put simply, they miss out on a whole bunch of social events for no reason.

Often enough, this is a mindset problem. People get so wrapped up in the idea of not spending money that they will do anything to make that happen.

What many cheap people don’t realize is that this can mean that they stop enjoying small and simple pleasures. 

5. Frugality is about assessing the value of the things you buy

Leading a frugal lifestyle means waving goodbye to impulse shopping. Before you purchase something, ask yourself: Do I want it? Do I need it? And can I afford it? 

If you can answer yes to those questions, buying the product is a no-brainer.

Be a conscious buyer and saver

Being frugal is all about getting the best value for your money. That could mean shopping around, finding coupons and codes, or waiting until there is a sale on something you want.

The truth is that there are plenty of ways you can save money when buying things. Avoiding making those impulse buys is the first step in this process.

Each time you part with your money, be clear on the value that you are getting in exchange.

6. Cheapness is about the lowest cost, no matter the quality

Cheapness may mean looking for lower-cost alternatives to products. However, this may end up costing you more money in the long run, if the products are low quality. A massive 63% of people say that they regret buying a cheaper version of products.

When you choose to be frugal vs cheap, on the other hand, you look for things that are high quality without a huge price tag to match.

While it may take you longer to find the right product for you, you can rest assured that you have got a good deal and saved some money too.

Are you savvy when it comes to getting the best deals? You could familiarize yourself with using coupons, learn about the best time of year to buy certain products, or start saving for big purchases.

7. Cheap people focus on the short-term, not the long-term

The biggest difference in the whole cheap vs frugal problem is where you set your sights. When you are a frugal person, you think about your long-term financial future and want to build wealth. However, cheap people tend to live in the here and now, and count pennies.

Choosing to become frugal means setting your sights on the years to come. How do you envision yourself living? What financial security do you need to make that happen?

When you have answered those questions, you can start making a master plan to get you there.

Why you should aim to be frugal vs cheap

Looking for a savvy way to save money? Frugality is the answer. Choosing to make more out of your finances — while still having cash to set aside — is never a bad idea.

Now that you know what the main differences between cheap and frugal are, you can aim to become a frugal spender.

This lifestyle and spending choice has many benefits. It means that you will feel in control of your finances rather than having no idea where your money goes.

When you are clear on that, you can properly decide how and when you spend your money.

Start living frugally and notice the difference in your spending!

Take the time to consider how you use your finances and make a budget that aligns well with your long-term goals.

While you don’t want to miss out on the joys life has to offer, there are ways that you can get premium products and services without overspending.

No matter where you’re starting from now is the perfect time to get started with this new approach to money management.

Start assessing your finances and looking for ways that you can tighten the belt and free up cash for the things that matter to you!

The post Frugal Vs Cheap: Why Frugal Is Better! appeared first on Clever Girl Finance.

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14 Budget Friendly Ladies Get Together Ideas At Home https://www.clevergirlfinance.com/ladies-get-together-ideas-at-home/ Fri, 09 Dec 2022 22:48:19 +0000 https://www.clevergirlfinance.com/?p=40411 […]

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Ladies get together ideas at home

A ladies get together is always a fun time. But sometimes, the costs of these gatherings can creep beyond a reasonable budget. Luckily, there are plenty of ladies get together ideas at home that don’t involve blowing your budget.

If you are ready to have a great night with your gal pals without breaking the bank, explore our activities for ladies get together options that are budget-friendly!

Ladies get together ideas at home that you'll love

Everyone loves quality time with their favorite ladies. Regardless of the size of your gathering, you’ll find plenty of budget-friendly ladies get together at home ideas below.

Use these options to get the creative juices flowing. But don’t be afraid to tailor the ideas to your friend group preferences.

1. Scrapbooking night

Scrapbooking is one of the great activities for ladies night that allows you to reminisce about fun moments together. While sitting around a table of crafts, you can share an enjoyable evening with friends.

You can provide some of the scrapbooking supplies yourself. But encourage your friends to bring along supplies that match their own personal tastes. Once everyone is into their crafting, you might swap tools and paper along the way.

If you need a way to make this an even more affordable night, stock up on supplies when you catch a sale. For example, Hobby Lobby often has sales.

2. Crafting night

If scrapbooking isn’t your style, then consider pulling together another type of craft night. A few ideas include quilting, baking, or painting.

You’ll need to get the supplies ahead of time for this event. But if you watch the sales at your local craft store, this night can be very affordable.

3. Board game night

A casual night of board games is one of the ladies get together ideas at home that can give everyone something to do while hanging out together. With a wide variety of board games out there, you can find one that is fun for the whole crowd.

And the best part is that you might already have some board games lying around the house. If you don’t have any board games, consider asking your friends to bring their own over.

If no one has a board game in their house, then head to the local thrift store. I picked up a game of Monopoly, with all of the pieces, for $3 at the Goodwill last month. Hopefully, you’ll have similar luck for your ladies get together!

4. Home spa experience

A day at the spa might be just what you need to unwind with your friends. But sometimes, the cost of going to the spa doesn’t do any favors for your budget or your stress level. But try out these spa activities for ladies get together events.

Instead of paying for a day at the spa, consider hosting a budget-friendly version at home. A few relaxing ideas include lighting a soothing candle, painting your nails, and applying a face mask.

5. Closet swap day

We all have clothes in our closets that we never wear. Whether the items in question are no longer our style or don’t fit us just right, some unused items can collect dust for years. One budget-friendly ladies get together idea is to host a closet swap day.

The point of this event is for everyone to bring items that they no longer want in their closet. Depending on the personal style of your friends, this can be a great way to help each other curate the perfect outfit without spending any money.

6. Movie night

Pop the popcorn! A movie night is one of the easy activities for ladies night to throw together for your friends.

You can likely find a movie through one of the streaming services you already pay for. But if you can’t find a good option, consider checking out a classic from your local library for free.

7. Favorite foods potluck

Most of us tend to have a signature dish. If you are looking for budget-friendly ladies get together ideas at home, then consider hosting a favorite food potluck.

With this style of potluck, each of your friends will bring over their favorite dish. It’s a fun way to try out new flavors and dishes. Additionally, everyone only has to contribute one dish, which spreads out the costs of the evening.

8. Dessert night

Want to skip straight to dessert? That’s an option for your ladies get together!

If you and your girlfriends prefer sweets, then a dessert night is a fun way to catch up. Although you can provide a dessert, this idea works best when everyone brings a dessert. With plenty of options on the table, everyone can find a treat that satisfies their sweet tooth.

9. Wine tasting party

A wine tasting party offers a fun twist on a regular girls' night. If possible, everyone will bring their own bottle of wine. In the kitchen, the host conceals the identity of the wine bottle. After that, taste testing can begin.

It can be a fun contest to see which wine wins at your get together!

10. Virtual mixology classes

Getting drinks at a bar can add up quickly. Even if you stick to one or two drinks, you could easily spend over $25 in a sitting. Instead of letting a night out eat away at your budget, bring the activity closer to home.

A virtual mixology class can be one of the fun ladies get together ideas for you and your friends to learn how to make your favorite drinks. Plus, it’s likely going to be cheaper than meeting at a local bar.

11. Book club

Budget-friendly ladies get together ideas at home run the gambit of activity levels. A book club is a relatively low-key option that can lead to wonderful conversations.

Everyone will need a copy of the chosen book. But you might be able to avoid paying for the book with a trip to your local library. If you need some book ideas, check out these budgeting favorites.

12. Play what’s in your purse

‘What’s in your purse’ is an interesting game that can give you some insight into your friends’ habits. As the host, you’ll provide a list of items to your friends with point values assigned to each item.

Once everyone has the list, they can search their purse to come up with as many matching items as they can. You never know what someone might have in their purse!

13. Sit around a campfire

A backyard bonfire provides a quiet and intimate setting for a casual ladies night full of great conversations. If you have a place for a bonfire, then getting the wood for the fire is relatively inexpensive.

Depending on the group, you might stick to enjoying the warmth of the flames. But some might prefer to make s'mores while catching up.

14. Do an at-home workout video

Working out is an undeniably good habit. But for many of us, sticking to a regular workout routine is a challenge. If you have friends who are up for a workout, consider doing an at-home workout together.

You can find free workout videos on YouTube. In between workouts, you can catch up with your favorite people. Plus, inviting your friends makes it easier to follow through on your workout plans.

Ladies get together ideas at home can be fun!

The great news is that there is no shortage of activities for ladies get together ideas at home. If you are willing to host a fun night with your friends, then it doesn’t have to break the bank.

Supportive friends will be happy to participate in a budget-friendly night of connection. Start planning your get together today with these inexpensive activities for ladies night that will save you money!

The post 14 Budget Friendly Ladies Get Together Ideas At Home appeared first on Clever Girl Finance.

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13 Things To Do When Broke That Cost Nothing! https://www.clevergirlfinance.com/things-to-do-when-broke/ Sat, 29 Oct 2022 13:53:25 +0000 https://www.clevergirlfinance.com/?p=37179 […]

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Things to do when broke

It's never a good moment to be going through a financial rough patch. Whether you lost your job, were hit hard with a big, unexpected expense, or are struggling through other financial worries, we know it can be disheartening. But there are tons of things to do when broke that don't cost much or are free!

In this article, we'll share multiple things to do without spending that are fun, social, and sure to put you in a good mood!

Fun things to do when broke: 13 Ideas

Undeniably, it can feel really debilitating to be on a bare-bones budget. Oftentimes, it feels like your friends are going out every night—leaving you with a serious case of FOMO.

But even though you're in a place where you have to be tight about money, that shouldn't stop you from having fun and getting out of the house and socializing!

Believe it or not, it is totally possible to do it for free. Here's how:

1. Go for a bike ride

It's not a secret that spending time out in nature is a great thing you can do for your health. On top of that, it's also great for your wallet.

Biking for instance is a great form of exercise. Moreover, it's something you can do whether you're living in a very big city or out in the country.

Even if you don't have your own bike, don't worry—you don't need to buy one. Most cities have public bike rental services where you can rent a bike for a few hours for as little as a few bucks.

2. Have a picnic in the park

You know what they say: "Be a tourist in your own city!"Visiting your local park can make a regular Saturday afternoon feel like a mini vacation getaway.

Invite friends for a potluck-style picnic, or go solo with a sandwich and a book for some ultimate R&R. Keep in mind, you don't need to spend money to have a lovely picnic. Plan your meals at home, pack up your Tupperware and grab a blanket or even a flat sheet and you're all set!

3. Go on a hike

Sure, hiking can be an expensive activity—but it doesn't have to be. Even if you don't live near the mountains, there are plenty of smaller, little-known hiking trails all over the country that are perfect for a day trip.

Make it an adventure with a group of friends. Alternatively, you can turn it into a meditative experience by bringing along your camera and your journal for a relaxing day all to yourself.

4. Take a walk with a podcast

Wouldn't call yourself a bookworm? Turn to podcasts instead! There are thousands of shows out there, so you're sure to find something you like.

Put in your headphones. Pour a cup of coffee into a travel mug. And head out for a walk around town listening to your favorite podcast.

5. Watch the sunrise

Most people see the sunset every day. But not everyone catches the sunrise, even though it's one of the very best things to do when broke.

Wake up early one morning with a friend to take in Mother Nature's beauty. Best of all, you can do it anywhere and 100% for free.

6. Go to the library

Despite what you may think, going to the library doesn't have to be boring. In fact, it's one of the cheapest and most interesting things to do when you're broke. You can dive into a new book, browse the newspapers, or check out your favorite magazines.

Above all, the library is a free, cozy place to finally get some peace and quiet!

7. Bake or cook a new recipe

Rather than spending an afternoon shopping, how about getting in touch with your creative side? In fact, small acts of creativity can actually increase your feeling of well-being.

You don't need to go to an expensive restaurant to enjoy a good meal! Instead, learn how to perfect restaurant-quality dinners at home for a fraction of the price.

Try hosting a big meal for friends or family, or spoil yourself with a gourmet dinner for one.

8. Go to a museum's free day

Usually, museums will waive ticket fees on the first Sunday of the month. This way, you can get your dose of culture without having to pay expensive fees.

However, a lot of museums are starting new pay-what-you-wish programs. Score! Check out what free and affordable museums are near you.

9. Create a vision board

And there are plenty of ways to get creative absolutely for free and a vision board is one way. Add it to your list of fun things to do when broke!

First, gather up any old magazines or newspapers you have lying around. Then, cut and paste your favorite elements and see what takes shape.

Maybe it's your dream travel trip? Your dream house? Inspiring quotes?

Hang up your vision board so you'll see it every day and it will remind you to keep working towards your goals.

10. Host a potluck and games night

Don't worry—if you love meeting up with friends for dinner, you don't have to change your social life just because money is a little tight.

While you may not have the extra cash right now to splash out on a round of drinks, being responsible with your money doesn't mean you have to become a homebody.

Instead, invite friends over for a BYOB and BYO-food game night. Whether it's video games, cards, or old-school board games, a game night is fun (and free!) for everyone.

11. Invite your friends for a clothing swap

Similarly, you can invite friends over for a clothing swap. Everyone brings clothes they no longer want and sees if others want to make a change.

This is one of the greatest things to do when you're broke because you can save money and even make some by selling extra items you and your friends don't want or need!

Not only do you get to clean out your closet, but you can also scoop up some new pieces without having to spend a dime.

In the end, donate all the leftovers to your local clothing drive.

12. Volunteer

Volunteering isn't just a good thing to do for others. Undoubtedly, it also makes you feel good about yourself!

There are endless ways to get out there and help your community. From animal shelters to your local food bank to Big Brother/Big Sister programs, you can do something you love and give back to your community.

13. Write snail mail letters to family and friends

Really, when was the last time you wrote an actual letter?

Unlike fleeting text messages or emails, a hand-written letter has a real heartfelt quality that's sure to put a smile on people's faces.

Plus, stamps are just a few cents, so pour yourself a cup of tea and get writing!

4 Things to do when broke to improve your finances

Of course, no matter how many exciting things there are to do for free, the goal is to get yourself out of financial precarity. Focusing on your money is for sure one of the smartest things to do when you're broke.

Start by thinking about why you're in this position to begin with. This will help you figure out what mistakes you may have made and what you can do better moving forward.

Above all, don't let your mistakes get you down! No matter what, you can take steps now to change your situation and take control of your finances.

Be sure to check out our tips on how to avoid having a broke mindset as well! With that said, here are 4 key action to take starting today:

1. Get clear on your financial goals

First, think about both your short-term and long-term financial goals. For example, do you:

  • Have debt you need to pay off?
  • Want to buy a house soon?
  • Dream of retiring early?
  • Want to generate passive income?

No matter your current situation, these goals can all be attainable. That said, you need to create a clear plan to achieve them—and that starts with getting clear about what you want to accomplish.

2. Create a financial plan

Next, consider what you need to do to fulfill these goals. Then you can create a plan with actionable steps to make your goals a reality.

In general, a financial roadmap should include:

  • Emergency fund
  • Debt pay-off plan
  • Investment portfolio
  • Retirement accounts
  • Savings for other short-term and long-term goals

Depending on your situation, you may have none of these accounts, or you may have a few. If you're feeling a little underwater, it's okay. Just begin with one thing at a time.

Importantly, if you're operating on a bare-bones budget, then the first thing to work on will be your emergency fund and your debt pay-off plan.

Over time, you'll then need to revisit your financial plan to make it evolve with you and your finances.

3. Create a budget

Finally, this is where you'll bring your financial plan to life!

To begin, explore different budget methods to find the best fit for you. This might be the 30-30-30-10 budget, the 70-20-10- budget, the bare bones budget, or other budget methods.

With a new budget, you can take concrete steps to reach your financial goals.

For example, pad your emergency fund by determining a set amount you'll send to your savings account every month.

Similarly, write in your budget how much you'll pay to each debt account each month. This way, you won't fall into the trap of thinking, "I'll just use whatever money I have left over to put toward my debt."

Finally, don't forget to take advantage of budget templates and tools. While winging it may seem easier, getting your budget down on paper (or digital) will help you hold yourself accountable so you can focus on your plan and, ultimately, your goals.

4. Find new ways to increase your income

At this point, if you're tired of being broke with your current income, there is still more you can do. Besides just figuring out how to cut back on your spending, you can also look for ways to increase your income.

Start a side hustle

There are a variety of ideas you can use to start your side hustle! For example, you can:

  • Become a rideshare driver
  • Deliver groceries
  • Tutor online
  • Teach English online
  • Walk dogs or pet-sit
  • Babysit or nanny
  • Give music lessons

More specifically, one of the most popular ways to start a side hustle is by taking on freelance projects. For instance, this could be:

Find a part-time job

In reality, creating a side hustle isn't for everyone—and that's okay.

Instead of going out on your own, maybe you'd rather pick up a part-time job to make a little extra money for a few months.

If so, there are plenty of part-time job options you can do alongside your day job, like:

  • Barista
  • Restaurant server
  • Customer service representative
  • Data entry
  • Retail
  • Valet parking attendant
  • Cashier
  • Telemarketer

Finding things to do when you're broke is easy and being broke isn't forever!

Above all, getting back on track financially should be your priority when you're going through a rough financial period. However, there's no reason you can't have fun along the way and find plenty of things to do when broke!

Find even more fun things to do for free with friends. And our guide on how to create a solid financial plan for yourself will help you to overcome money troubles and win financially.

The post 13 Things To Do When Broke That Cost Nothing! appeared first on Clever Girl Finance.

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7 Best Tips For The Cheapest Way To Live https://www.clevergirlfinance.com/cheapest-way-to-live/ Sat, 29 Oct 2022 22:58:03 +0000 https://www.clevergirlfinance.com/?p=37419 […]

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Cheapest way to live

When seeking out the cheapest way to live, being creative can go a long way. Although you might have to make some relatively unique choices, choosing to live in a more affordable way can set up your finances for long-term success.

Let’s explore options for the cheapest way to live. Plus, why you should even consider this idea in the first place?

Reasons to find the cheapest way to live

Typically, the word cheap has a negative connotation to it. But the reality is that living cheaply can be a positive thing for your finances and your life. (Note that living cheaply is very different from being cheap!)

Here are some of the reasons you may want to learn how to live cheaply.

To achieve your financial goals

The most obvious reason to live in a simple way and cheaply is the ability to make faster progress toward your financial goals. After all, you’ll have more money to commit to your money goals if you aren’t spending as much to make ends meet.

For example, let’s say that you have the financial goal of paying off your debts. If it takes less money to pay your bills each month, you can push more money toward that major goal.

To achieve your life goals

Whether we will admit it or not, many of our life goals are directly tied to our financial situation.

Personally, I want to take an extended trip to Spain. But in order to make that happen, my financial situation needs to be solid. Plus, I’ll need to pay for the trip itself.

It’s likely that you have a life goal that is tied to your finances. A few common examples include exotic vacations, vehicle purchases, home purchases, and leaving paid work behind for early retirement.

Consider the big life goals you have for yourself. If there’s a monetary cost tied to that goal, choosing to live on the cheap can help you attain that goal faster.

In order to build a solid financial foundation

Although the reasons for financial stress vary, a solid financial foundation is one way to permanently lower that stress level.

If you are struggling with regular financial stress, getting your finances into a better place might be the antidote you’ve been searching for.

Learning how to live simply and cheaply can open up your budget to leave more space for building a solid financial situation.

Importantly, the choice to live cheaply doesn’t have to be a permanent one. You might decide to opt for the cheapest way to live for a short period of time to give your financial situation the breathing room you crave. After that breathing room is created, you might allow your spending to grow.

A desire for a simpler life

Some of the cheapest ways to live are also some of the simplest ways to live. In our fast-paced society, the pressure to keep up with others is a real one. But a wave of people embracing a more minimalist lifestyle is changing things up.

If you are unhappy with your current situation, exploring the concept of simpler living could help you find the purpose you are looking for.

Cheapest ways to live: 7 Key tips

If you’ve found your reason to opt for a cheaper way to live, now it’s time to explore your options.

The good news is that cutting back on your housing expenses can significantly change your financial trajectory. And even more good news, there are several ways you can make this thought a reality.

Here’s a look at how to live cheaply:

1. Consider moving to a new location

If you live in an expensive corner of the world, you’ll be forced to pay a lot more for the basic necessity of shelter.

For example, those living in New York City or San Francisco will pay significantly more for a place than someone living in Dallas or Springfield, Missouri.

Take some time to explore the cost of living in your current location. If moving is an option, you could cut costs by making a change of locale.

Although a move is a major undertaking, it could be a great chance to explore a new corner of the world or return to your roots.

2. Downsize your house

If moving cities isn’t an option, then moving to a new place within your current city might be. Typically, you can save significantly by downsizing your living space.

For example, going from a four-bedroom home to a two-bedroom townhouse should save you money.

If downsizing your living space is feasible for your family, then explore how this move could impact your budget.

3. Think outside the box for housing solutions

Creative housing solutions might push against your conventional housing mindset. But if you are open to changing things up in a big way, then thinking outside the box can transform your financial situation.

One creative option is to try house hacking. Essentially, this involves purchasing a multi-family building as an owner-occupant.

Once you have the building, you rent out the other units to cover the cost of your mortgage. For example, you could buy a duplex to rent out one half.

The concept of housing hacking comes with limitless variations. If you don't mind a challenge and want to own your own home while someone else pays the mortgage, this is a useful option.

Other creative housing solutions include choosing to live in an RV, van, or tiny home. If you are willing to live in a much smaller space, this solution could be the right one for your budget.

4. Find a roommate

For those that have extra space in their current living situation, finding a roommate is an effective way to reduce your housing costs. After the roommate moves in, you’ll immediately lower your housing costs.

If you aren’t interested in a long-term roommate, consider renting out the extra room on a short-term basis to travelers through a service like Airbnb.

5. Ask to move home

Moving back to your parent's house is a decision that comes with plenty of emotions. Even if you are lucky enough to have this option, you might not be interested in living under their roof again.

If you have a clear financial goal, like paying off debt or saving for a down payment, this option might be more palatable because you have an end date in mind. And when wondering how to live simply and cheaply, it could be a good option.

6. Get work-covered housing

In some lines of work, you can have your employer cover your housing costs.

A few different jobs that might offer this type of perk include nanny, caregiver, on-site property manager, and seasonal jobs in remote areas.

Although this path will likely require a fair amount of searching, it might pay off. But be prepared to have the employer compensate for this perk in the form of a lower wage.

7. House-sit around the world

House sitting is a flexible opportunity that can take you all over the world. As a house sitter, you’ll stay in someone’s home to take care of it while they are away. In many cases, you’ll also be in charge of taking care of the homeowner’s pets.

Adventurous souls might be drawn to this opportunity because it gives you a chance to travel for cheap.

Although house sitting around the world might not be the simplest way to make a living, it does offer the chance of making your travel goals more affordable.

How to make cheap living work for you

Although you may know the mechanics of how to live cheap, opting for the cheapest way to live isn’t always easy. In fact, it’s usually a challenging process of making big changes.

Of course, these major changes can have a positive impact on your life for years to come. But making the switch comes with ups and downs.

Here are some strategies to consider when attempting to make the cheapest way to live work for you.

Be flexible

Flexibility can be a sort of superpower when trying to live cheaper. It’s likely that your new lifestyle includes less space than you are used to. With a flexible mindset, you can more easily adapt to changing circumstances.

Don’t be afraid to challenge the norms of your peers when looking for a more affordable way to live.

Be kind to yourself

Change is often challenging. After all, most of us get comfortable in our routines and in our space. Learning how to live cheap will likely force you to make a big change to your living situation.

It’s natural to have negative feelings at some point in the process. Instead of focusing on the negatives, encourage yourself to think about the benefits.

Reminding yourself about the long-term benefits will help you maintain a positive mindset along the way, which is a key part of being kind to yourself.

Make adjustments as necessary

If you immediately envision yourself very comfortable with one of the cheapest ways to live, that’s a great place to start. But if possible, think about the switch to living cheaper as a journey instead of a single change.

You might find that your original plan isn’t working out. Instead of giving up, try to pivot along the way.

For example, you might decide that house sitting around the world doesn’t suit your lifestyle and decide to pivot into a house hacking situation.

For those with a flexible attitude, you can more easily make adjustments as necessary.

Finding the cheapest way to live can improve your finances!

Committed to living on the cheap? It is entirely possible to slash your housing costs.

Although the process might be a tad bit uncomfortable, you can potentially transform your financial future when finding the cheapest way to live.

The post 7 Best Tips For The Cheapest Way To Live appeared first on Clever Girl Finance.

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15 Extreme Frugal Living Ideas And Frugal Hacks! https://www.clevergirlfinance.com/extreme-frugal-living/ Sat, 16 Jul 2022 15:12:43 +0000 https://www.clevergirlfinance.com/?p=30908 […]

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Extreme frugal living

Are you looking to save more money? Perhaps you are trying to spend less? Most people are these days. Depending on your dedication level, you might be a candidate for extreme frugal living.

What’s extreme frugal living? Well, there’s saving money, there’s frugal living, and then there’s extreme frugal living.

It goes beyond clipping a coupon once in a while or quitting shopping for a month. It’s a whole lifestyle that involves cutting back on your spending and saving money wherever possible. And we mean wherever possible!

If you’re interested in seeing how extreme frugal living works and how you can start incorporating frugal hacks into your own life, read on.

Who is extreme frugal living for?

Before you commit to extreme frugal living, it’s good to get a sense of who it’s best for. It’s a lifestyle, so it’s not for someone looking to dabble in saving once in a while.

While what is extreme to one person might not be extreme to another, extreme frugal living generally means saving money in ways that most others are unwilling to do. So, who might benefit from this type of living?

Someone with a big financial goal

Have you got a big financial goal that you want to reach? Many things go into reaching a financial goal, like making sure it is measurable, realistic, and written down. By incorporating frugal life hacks, you’ll have more money to put toward those goals.

Extreme frugal living isn’t easy, but having a goal that you are working toward will make it more likely that you’ll stick to your new lifestyle.

Someone willing to make sacrifices

Are you someone who can make sacrifices to reach your goals? If so, extreme frugal living might be right for you! If not, it might be difficult to stick to some of the more extreme aspects of the lifestyle.

Even if you think you aren’t willing to make sacrifices, give extreme frugal living a try if you want. You might surprise yourself – it’s never too late to change.

Someone interested in living a more eco-friendly lifestyle

Living frugally can help reduce your impact on the environment. From buying less (or no) new clothing to growing your own food, to reducing your waste in general, frugal living can help you leave less of a footprint on the environment.

Those who take the environment into all of their consumer decisions follow what is called “ecofrugality.”

It essentially means being aware of how your spending impacts the world. If you are interested in reducing your impact, following an extreme frugal lifestyle can definitely help you do just that.

What are the benefits of incorporating extreme frugal living into your life?

No matter your reason for wanting to live more frugally, there are benefits to incorporating frugal hacks into your daily life.

Helps you reach your financial goals sooner

Those financial goals we just talked about? Well, by living frugally, you’ll be way more likely to reach them and to reach them quickly. You’ll be shocked at how fast your savings add up when you hardly spend anymore.

Helps you learn to live below your means

When you figure out how to live below your means you get an excellent life skill, no matter where you are financially. By turning frugal life hacks into habits, you’ll likely continue with those habits throughout your life.

This means that even once you’ve reached a more comfortable place financially, you’ll still be living below your means, leaving more money for future financial goals.

Helps you realize what’s really important to you

Do you know your priorities? What is really, truly important to you? If not, it might be because spending and consumption are getting in the way of figuring that out.

By cutting out the excess and the spending, you’ll have more time and space to explore what’s important to you, and to pursue those things.

Reduces waste

Extreme frugal living is a great way to reduce waste. First, consuming less reduces the amount of trash you produce, helping lower your environmental impact.

Second, it also reduces time wasted on things that aren’t your priorities. When you are laser-focused on spending money only on the necessities, it opens up a lot more of your time.

Managing your possessions or shopping excessively is no longer a problem. You have that time for yourself and for what you want to do.

15 extreme frugal living ideas

Intrigued by extreme frugal living? Here are 15 tips to help you begin! Remember, what is extreme to one person might be normal to another, so adapt these as you see fit!

1. Grocery shop with a pre-made list and stick to it

Little things that might not sound that extreme can actually lead to extreme results. Take grocery shopping, for example. When did you last create a list and stick to it?

If you are already grocery shopping on a budget, take it up a notch and resolve to buy only what’s on your list. This seemingly small change can really add up!

2. Make your own cleaning products

The average U.S. household spends about $170 on cleaning products every year. If you want to spend less cash than that, try making your own cleaning products.

Natural products are not only better for you (you actually know what you’re putting on your counters and what you’re cleaning your clothes with), but they can save you a lot of money, too.

3. Track your expenses

Tracking your expenses is one of the best ways to get organized and learn where your money is going. It’s a classic frugal hack.

But, if you want to make it extreme, track every single penny spent. And we mean every single penny! Doing this gives you the best understanding of your spending and where you can cut back.

4. Borrow, don’t buy

You’ve probably heard of clothing challenges where you stop purchasing new clothes for a month or so. But why not take this to the next level? Vow to borrow everything you need instead of purchasing anything new.

From borrowing clothes to baby gear to gadgets, not buying new things is one of the quickest ways to save big.

5. Don’t throw away any food

Every year, over 130 billion pounds of food is wasted in the U.S. This staggering number is harmful to both the environment and our wallets. There are solutions you can try to lessen this amount and even cut it down to zero.

Using up all leftovers and freezing food before it gets too old to eat are just two of the many ways you can eliminate food waste and save money in doing so.

6. Go vegetarian

Speaking of food, another way to go extreme is to go vegetarian. Getting enough protein is essential, but meat can get expensive. Which is why it’s great that there are healthy vegetarian alternatives, like beans and lentils, which are way less expensive than meat.

If you want to go extreme, try cutting out meat entirely. If you want a little less of a commitment, try to eat meatless at least twice a week to see how much you can end up saving on groceries.

7. Freeze your credit cards

Whether you freeze them in a block of ice in your freezer or choose a more tech-friendly option, freezing your credit card can help stop you from making impulse decisions.

This will help you curb your spending and force you to really think about any purchase you want to make, saving you money in the process.

8. Cut down on all expenses

Sure, you can quit cable (and Netflix, Hulu, etc.!), but that’s not the only way to cut back on your expenses. An even more frugal hack is to do that, plus lower the rest of your expenses.

Extreme frugal living followers do things like: (1) lower the thermostat to 60 degrees year-round, (2) unplug all appliances (microwaves, printers, TVs, toasters, lights, etc.) when not in use, (3) line dry clothes instead of using a dryer, and (4) take cold showers only.

These might sound extreme because they are, but they work!

9. Give up your smartphone

Many people are looking to spend less time on their phones these days. The most extreme frugal life hack to accomplish this? Get rid of your smartphone!

Either replace it with a flip phone that does nothing but makes calls and sends texts, or rely on your landline. You’ll not only save some money, but gain the extra benefit of losing your addiction to your phone.

10. Sell (almost) everything you own

A big purge is another way to clean out your home of unused items and get some extra cash. The more items you sell, the more cash you’ll make, so be ruthless! You never know what you can live without until you sell it all.

Those who follow extreme frugal living lifestyles know they can live without a lot!

11. Stop gift-giving and make your own cards instead

Making homemade gifts is a wonderful way to save. Even better? Eliminate gift-giving from your life entirely.

Explain to your loved ones that you no longer want to exchange gifts. Most will understand, so long as you replace that gift-giving with time spent together! If you’d like to give something for a special occasion, a homemade card goes a long way.

12. Use cloth diapers and reusable menstrual products

Those who buy either diapers or menstrual products (or both!) know how expensive they get. The cost of these disposable items can add up on a daily or monthly basis. Instead of wasting your money on a product that goes into the trash, consider reusable alternatives.

Cloth diapers and reusable menstrual products are both good for your body (or your baby’s), the environment, and your wallet.

13. Cut your own hair

Become your own hairdresser and the hairdresser and barber for your entire family! Monthly or even twice-yearly cuts (not to mention color!) add up. By eliminating trips to the salon, you’ll learn a new skill and save along the way.

14. Stop eating out

At the top of most popular frugal life hacks lists is cutting back on dining out. But if you want to do more, don’t just cut back on eating out and delivery, cut it out of your life entirely.

Making all of your own food (and not throwing any of it away!) might be a big life shift, but it will be worth it in the long run.

15. Downsizing your home is the ultimate in extreme frugal living

Are you willing to make a significant change? If so, you might be a candidate for downsizing your home. This is one frugal hack that will make a huge difference.

It’s a commitment, but if you are willing to rent a smaller home, or sell your house and move into a smaller one, you’ll save a ton on monthly expenses and payments.

Don't go overboard with extreme frugal living

By now, you might be ready to dive in and get started on all of the frugal hacks there are, which is great! However, you can go too far with it, so be aware of the following as you start your extreme frugal living journey:

Saving at the expense of your time or well-being

Implementing frugal hacks is one way to build up your savings. Just be careful that saving doesn’t come at the expense of your time or well-being.

If following all of your frugal life hacks cuts into the precious little time you have to spend with your kids, for example, it might be time to reevaluate your choices. Sometimes, saving is not worth it if it will cost you so much.

Missing out on things that you love

It’s ok to spend money on yourself, your loved ones, and on things that you love! People who practice extreme frugality might start to forget that. If you lose track of the fact that money is there for you to spend, you might miss out on things you could have afforded.

It’s all about balance, even if you are in a season of life where frugality is at the forefront of your mind.

Viewing spending money as “bad,” no matter what it’s for

It can be dangerous to think of spending money as “bad,” because there are things that are beneficial to spend on. Not only that, but if you veer too far into extreme frugality, it could start to hurt your money mindset.

You want to live a life of financial abundance, not scarcity, so be aware if your mindset starts to shift into one of lack rather than wealth.

Are you ready to try out extreme frugal living?

Extreme frugal living is certainly not for the faint of heart or the casual saver! But it is an excellent tool to help you reach financial goals you never thought were possible and change your life. Which frugal hack are you willing to try today?

With all the money you save from extreme frugal living, you'll want to check out the other Clever Girl Finance articles about saving and investing your money. And try out our free financial courses!

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10 Top Sustainable Living Books https://www.clevergirlfinance.com/sustainable-living-books/ Thu, 24 Feb 2022 17:22:08 +0000 https://www.clevergirlfinance.com/?p=17729 […]

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This sustainable living books post contains affiliate links that help us grow Clever Girl Finance! Please see our disclosures for more information.

Sustainable living books

If you’ve ever wondered about what you can do to live sustainably, then this list of the top sustainable living books is for you.

Sometimes, talking about humanity’s impact on the planet can be downright depressing. It feels like there’s so much that needs to be done, but that nothing helps. But that’s not true at all. We can all do a little bit of something and make a difference.

Small changes in how we shop, eat and live matter. So, we’re listing the best books on sustainable living that offer practical ways to get you started on making changes to reduce your environmental impact. Let’s dive in!

What is sustainable living?

In nutshell, sustainable living means finding ways to cut back on how we use the planet’s resources and reduce the harm that our consumption does to the environment.

We all rely on the Earth – from the fertile soils that grow our food to the protection of the ozone layer. So, we all must look into how our lifestyle choices affect the world and find ways to live better with less waste.

Luckily, there’s no one way to live sustainably. The possibilities and practical ways we can take action are endless.

For instance, you can start with switching to sustainable fashion, since we know that the clothing industry is one of the largest contributors to global greenhouse gas emissions.

Also, sustainable solutions like eating less meat and growing our food are not only good for the environment, it’s also good for our bodies. So, with that being said let's dive into our list of the best sustainable living books!

10 Best sustainable living books

There are many ways we can make a difference towards sustainability. We can use our voices to vote for policies that prioritize the environment and grow food in our own backyards.

But we can do more. We can learn how to live in a way that is less harmful to the planet. So, here are some books about sustainable living that can help you make small but impactful changes in what you buy and use.

1. The Sustainable(ish) Living Guide by Jen Gale

The Sustainable Living Guide

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If you’ve been wanting to do your part in saving the planet, but you don’t have the time nor the energy to sort the garbage and you have so much going on that remembering to bring your reusable coffee cup feels like a Herculean task, then this book is for you.

The Sustainable(ish) Living Guide covers every aspect of our lives – from the stuff we buy and the food we eat, to how we travel, work, and celebrate.

You’ll find lots of practical, down-to-earth ideas that you can use to do something differently in your daily life. This sustainable living book will help you take small steps to change your impact in this world, without making huge changes in your life. 

2. Grow Food For Free: The Sustainable, Zero-cost, Low-effort Way to a Bountiful Harvest by Huw Richards

Grow food for free

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Grow Food For Free came about when author, Huw Richards, set a challenge for himself – to grow fruit and vegetables for free for a year. He did it! So now, he wants to help as many people do the same through this sustainable living book.

The book details tried and tested advice on getting the materials you need and finding space to grow your own food. Richards suggests repurposing an old wooden pallet or looking in your fridge and cupboards for food that you can plant.

This is one of the best books about sustainable living if you’re looking for practical tips and clear instructions on how to grow fruits and veggies organically.

3. Building a Better World in Your Backyard: Instead of Being Angry at Bad Guys by Paul Wheaton and Shawn Klassen-Koop

Building a Better World in Your Backyard

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There’s a continuous debate on who’s fault it is that our oceans are polluted and our planet is in danger of overheating. But instead of being angry at people, the book Building a Better World in Your Backyard explores how you can make a huge, positive, world-changing impact from your home!

It offers dozens of solutions on how we can solve environmental issues. But the options they offer do not include the usual suggestions like writing to politicians, joining protests, and signing petitions.

In this book, the authors present other options like building a mutually-beneficial relationship with nature that doesn’t require anyone to sacrifice anything. What a world that would be!

This is why we recommend this book as one of the best books on sustainable living.

4. Simply Living Well: A Guide to Creating a Natural, Low-Waste Home by Julia Watkins

Simply Living Well

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The book, Simply Living Well is full of recipes, DIY projects, and inspiration for a beautiful and low-waste life. The author, Julia Watkins is also the creator of @simply.living.well on Instagram.

This is one of the best books about sustainable living that offers timely advice and motivational guides for living simply and sustainably at home.

Watkins shows you how to say no to wasteful packaging, harmful ingredients, and disposable items. It includes practical lists of easy swaps you can do. For instance, she suggests getting biodegradable sponges or Swedish dishcloths instead of disposable sponges.

You’ll also learn how to make wool dryer balls and herbal tinctures and balms. Plus, it has recipes for essentials like homemade nut milk, hummus, ketchup, salad dressings, and veggie stock.

5. Inconspicuous Consumption: The Environmental Impact You Don't Know You Have by Tatiana Schlossberg

Inconspicuous Consumption

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As long as we live on the same planet, the Earth connects us all. And that is how Schlossberg discussed how things we do in one corner of the world affect everyone.

The book, Inconspicuous Consumption breaks down how streaming a movie on Netflix in New York burns coal in Virginia. Or how eating a hamburger in California might contribute to pollution in the Gulf of Mexico.

But far from being depressing, Schlossberg makes the climate crisis and its solutions interesting. It also gives anyone a reason to care, even a little, about the planet.

She also empowers readers to think about what they buy and how it affects the environment in a new way. The book is a reminder that the fight against climate change has to involve all of us and we have to do it together.

As the first-place winner of the Society of Environmental Journalists’ Rachel Carson Environment Book Award, this truly is one of the best books on sustainable living.

6. Waste Not: Make a Big Difference by Throwing Away Less by Erin Rhoads

Waste Not

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Every year, we produce millions of tons of waste and it’s becoming a massive problem. Especially because less than 20 percent of waste is actually recycled and the rest still goes to landfills.

The waste we create includes thousands of dollars worth of food and an ever-increasing amount of plastic. As we know, plastic can take hundreds of years to break down and often ends up in our oceans or our food chain.

So, if you’re also shaking your head when you see unnecessarily shrink-wrapped veggies and want to know how to waste less, give the book, Waste Not a read.

This book details Rhoads’ journey of eating from plastic-packaged takeout while shopping online for fast fashion, to becoming one of Australia’s leading eco-bloggers.

In a funny and inspiring way, she shares everything she’s learned to help you start living with less waste too.

7. The Fate of Food: What We'll Eat in a Bigger, Hotter, Smarter World by Amanda Little

The Fate of Food

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The book, Fate of Food, is a fascinating story of how will we feed nine billion people sustainably in the coming decades.

The author, Amanda Little, is a professor at Vanderbilt University and an award-winning journalist. She spent three years traveling to many countries and the United States to bring us exciting and encouraging answers to the question.

For this book, Little interviews, and adventures with farmers, scientists, activists, and engineers. And then, she takes readers on a tour of how our food is made in the future. If you want to see what that looks like, pick up a copy of this sustainable living book.

In the book, Little shares a deeper understanding of the threats of climate change. At the same time, she tells readers of the awe and optimism that she found from learning the lessons of our past and of humanity’s resourcefulness.

8. 101 Ways To Go Zero Waste

101 Ways to Go Zero Waste

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Food waste is the most ridiculous problem the world is facing. According to Earth.org, one-third of the food produced every year – valued at $1 trillion USD– is wasted or lost. This is enough to feed 3 billion people. If you’re shocked and want some guidance on how to begin reducing your household waste, then let me introduce you to Kathryn Kellogg.

She can fit all her trash from the past two years into a 16-ounce mason jar. If you find that inspiring, 101 Ways to Go Zero Waste is the book for you. You’ll find Kellogg’s tips and more on how she did it.

The book also includes advice for responsible consumption. Plus you can start making better choices for home goods and fashion with her DIY recipes for beauty and home.

This is truly one of the best books on sustainable living. It’s a practical blueprint of realistic lifestyle changes for anyone who wants to reduce their waste.

9. Live Green: 52 steps for a more sustainable life (sustainable gift, self-sufficiency, sustainable home) by Jen Chillingsworth
Live Green

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Many of us are trying our best to adopt a greener lifestyle for the environment. So, we recycle, carry reusable bags, and make “meatless Mondays” a thing. But if you’ve been wanting to do more, reading the book Live Green is a good place to start.

This is a practical guide of 52 sustainable living changes – one for each week of the year. Each weekly change helps you to be more self-sufficient and reduce your impact on the environment.

It’s a treasure trove of ideas on how to live sustainably. You’ll find tips and hacks on how to make your own eco-friendly cleaning products and improve your natural beauty regime. You'll also learn how to create a capsule wardrobe and make your own ethical Christmas decorations.

What a treat to be able to save the environment, save money and live with intention! 

10. Minimal: How to simplify your life and live sustainably by Madeleine Olivia

Minimal How to Simplify Your Life

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In the book, Minimal: How To Simplify Your Life And Live Sustainably, leading environmentalist, Madeleine Olivia shares practical tips that make sustainable living achievable for everyone.

Inside you’ll find Olivia’s insights on how to care for yourself in a more eco-friendly way, as well as how to introduce a mindful approach to your habits.

It offers ideas on how to declutter your life and reduce your waste and consumption. The book also has recipes for eating seasonally and making your own natural beauty and cleaning products.

Pick up a copy of Minimal and discover how to live a happier and more fulfilled life while saving the planet.

Get inspired with these top sustainable living books

Pick one or two of these books about sustainable living and get reading! Get inspired to make even small changes in what you wear, eat and use.

Maybe you would even be motivated to look at how much food and stuff you throw out. Saving the planet might even save you some money!

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How To Live Sustainably And Save More https://www.clevergirlfinance.com/how-to-live-sustainably/ Fri, 11 Feb 2022 16:02:00 +0000 https://www.clevergirlfinance.com/?p=17405 […]

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These days, more and more people are interested in living a sustainable lifestyle. But what does that actually mean? And how do you learn how to live sustainably while also saving money? Well, you're in luck because that's what this article is all about.

We've rounded up the best tips and sustainable living ideas for you to try. But first, let's discuss the meaning of sustainable living!

What’s the meaning of sustainable living?

Sustainable living is all about making the conscious decision to be more intentional with your actions and money in a way that benefits people and the planet.

It doesn't require drastic changes overnight. Rather, it's about choosing a few small sustainable living ideas you can implement into your life right now.

How to live sustainably: Getting started

So, how do you actually live a sustainable life? The key is to take it one step at a time.

For example, maybe you focus on cutting down your food waste first. Once you’ve got a handle on that, maybe you move on to reducing energy consumption at home.

After that, maybe you focus on replacing disposable items with reusable ones. It’s tiny actions that add up over time that make the biggest difference in the long run.

What are the benefits of living sustainably?

So, why should you put some of these sustainable living ideas into practice? We’ll give you three good reasons:

It helps protect the planet

The biggest benefit of learning how to live sustainably is that it’s good for the environment. It decreases greenhouse emissions, leads to less pollution, protects non-renewable resources, and helps ensure future generations can enjoy our planet too.

It can improve your health

But the benefits of living sustainably extend far beyond the obvious one of helping the environment. It’s also great for your health too!

When you live a sustainable life, you feel a natural tug to eat healthier, put fewer harmful chemicals in your body, and improve your wellbeing. In other words, it helps you slow down and be more mindful of how you move throughout life.

It’s good for your wallet

There’s also a very tangible benefit to learning how to live sustainably — it’s good for your wallet. When you reduce food waste, bring a reusable water bottle to work, and cut down on your consumption, you’re going to save a lot of money along the way. 

17 Sustainable living ideas and examples

The good news is, there are so many ways to live sustainably! We’ve listed a few examples of sustainable living below.

Choose whichever ones resonate with you the most and start implementing them into your life now. Remember, it’s all about small changes. You can also get inspired by our favorite sustainable living quotes and top books on sustainable living!

1. Use less water

Cutting down on your water consumption is one of the best ways to live sustainably. Not only does it help conserve our water supply, but it also reduces your energy consumption and utility bills.

Some easy ways to conserve water around your house are to:

  • Turn off the faucet when you're brushing your teeth (or really anytime you’re not using the water).
  • Take shorter showers.
  • Only run the dishwasher or washing machine when there's a full load.
  • Fix any leaky pipes as soon as you notice them.

2. Drive less

This tip varies based on where you live. If it’s pretty rural and public transportation isn’t an option, you may have no choice but to drive.

However, if you live in an area where you can walk or bike to nearby destinations or use public transportation, it’s a great way to live sustainably. It's also an excellent way to reduce auto expenses from gas and wear and tear on your car!

3. Recycle and compost as much as possible

Many communities have recycling programs that are easy to use. Exact specifications on what you can recycle vary, but most programs accept paper, plastic, metal, and glass products — as long as they’re all clean and over three inches in size.

Composting is also a great way to “recycle” your food scraps, yard waste, and other organic materials that can’t be recycled through traditional methods.

With composting, you essentially break down those items into fertilizer that can then be used to enrich the soil. For tips on how to compost at home, check out this guide from the EPA.

4. Replace your disposables with reusables

Have you ever stopped to think about all of the disposable items you have to keep restocking your home with each month? Things like:

  • Paper or styrofoam plates
  • Water bottles and plastic cups
  • Plastic cutlery
  • Napkins
  • Paper towels
  • Shopping bags
  • Straws
  • Coffee filters
  • Q-tips
  • Face wipes

Not only do these items take up a ton of space in your home and add massive amounts of garbage to the landfill, but they also have to be repurchased over and over again. In other words, they’re bad for the environment and bad for your wallet. 

Switching to reusables can be a great way to adopt a low-waste lifestyle and cut down on the clutter. You may pay more for them up front, but the long-term savings could be huge because you’ll never have to buy them again.

5. Bring your own bags to the grocery store

You likely have a ton of reusable bags lying around your house that you’ve collected from events and stores over the years. Why not take them with you to the grocery store?

It may feel a little awkward at first bringing outside bags into the grocery store, especially if no one else is really doing it. But boy, it’s a game-changer!

You’ll be able to fit more things into fewer bags (meaning you can be a true #onetripfamily) and you won’t have to worry about the bags ripping or shredding before you get them into your house. Plus, stores like Whole Foods give you a discount for bringing your own bags.

6. Adopt a sustainable diet

A sustainable diet isn’t just about eating organic food. (There’s actually controversy on whether organic foods are actually better for the environment).

Instead, a sustainable diet is all about prioritizing foods that have a lower carbon footprint — such as plant-based items and local, seasonal goods that are also good for your health.

7. Reduce food waste as much as possible

The U.S. wastes more food than any other country in the world — to the tune of 40 million to 80 billion tons each year. That’s 30 to 40% of the total food supply!

Considering how bad food waste is for the environment — and the fact that almost 50 million Americans suffer from food insecurity — we should all play our part in reducing our food waste as much as possible. This includes:

8. Plant your own garden (if you want to)

When you think of examples of sustainable living, your brain may conjure up ideas of planting your own garden and living off the land. So, we're adding it to this list of sustainable living ideas.

If you have the space and know-how, planting a garden can be a great way to get in tune with nature and grow your own fruits and vegetables. You can also compost food scraps and yard clippings to create nutrient-rich soil for your garden.

9. Lower energy consumption at home

There are SO MANY ways to live sustainably while saving energy at home. Some easy wins you can make are to:

  • Use energy-efficient appliances and light bulbs in your home.
  • Shut down your computer at night.
  • Unplug electronics when they're not in use to save energy.
  • Wash your clothes using cold water.
  • Air dry clothes instead of using the dryer.

And if you really want to get extreme, you can install solar panels to generate renewable energy.

10. Cut out the junk mail!

Doesn’t junk mail get under your skin? It’s such as waste of resources! Luckily, you can practice sustainable living by stopping junk mail from ever reaching your house. Follow these steps from the Federal Trade Commission to find out how to opt out of junk mail.

11. Opt for paperless billing

Another great way to cut down on mail is to opt for paperless billing whenever you can. So, if you’re constantly getting notifications in the mail from your bank, employer, or brokerage firm, see if electronic statements are an option.

12. Cut down your consumption

Cutting down your consumption is a great way how to live sustainably. We live in a fast-paced world that constantly encourages us to spend, spend, spend and go, go, go.

But taking time to slow down can be one of the best ways to live sustainably and invite more joy back into your life.

You don’t necessarily need to become a minimalist, but consider cutting back on shopping and making an effort to reuse what you already own.

Need to reset your spending habits? A no-spend challenge can be a great way to reset bad patterns that could be holding you back from financial security.

13. Shop from sustainable brands

Fast fashion destroys the environment, the people who make the clothes, and your wallet. On the other hand, slow fashion focuses on quality over quantity.

These items are made with organic materials you can wear over and over again by people who are actually paid a living wage.

So, if really want to integrate the meaning of sustainable living, shopping from sustainable brands is a great way to do it. And if you really want to be more intentional with what you buy, consider building a capsule wardrobe full of items you love.

14. Join your local library

One of the easiest ways to live sustainably is to join your local library! This is actually one of my favorite examples of sustainable living!

It’s completely free, and you can check out as many books, magazines, and movies as you’d like without having to buy them brand new. You’ll be surprised by how much money you can save just with this one small change.

15. Buy used instead of new

One woman’s trash is another woman’s treasure. And buying used can be a great way to save something from the landfill and save money along the way.

So, before you buy something brand new, see if you can find a similar thing second-hand. Scour Facebook Marketplace, visit your local thrift store, join a Sell and Swap group.

16. Buy sustainable gifts for loved ones

If you’re the type that usually buys gifts for friends and family on holidays, why not ditch the “usual” gift and opt for a sustainable one that’s better for the environment? You can check out 15 sustainable gift ideas here.

17. Use a sustainable bank or join a credit union

“Green” or “sustainable” banks are certified B Corporations that focus on people, the planet, and profit (the triple bottom line).

They typically invest their profits into sustainable practices, give back to the community, and embody the true meaning of sustainable living.

So, if you want to live sustainably with the financial choices you make, look into a sustainable bank or credit union. Two popular options are Aspiration and Clean Energy Credit Union.

Take it one step at a time and find ways to live sustainably!

Living a sustainable life involves making tiny changes to your habits that can improve the planet, your health, and your wallet over time.

We’ve tried to pack this article with as many examples of sustainable living as possible. As you dig in, remember that sustainable living exists on a spectrum.

There will always be someone doing more than you, and there will always be others doing less. Just know that any small step you take toward learning how to live sustainably is a step in the right direction.

The post How To Live Sustainably And Save More appeared first on Clever Girl Finance.

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40 Quotes On Sustainable Living To Get You Thinking https://www.clevergirlfinance.com/quotes-on-sustainable-living/ Thu, 10 Feb 2022 10:36:47 +0000 https://www.clevergirlfinance.com/?p=17361 […]

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Quotes on sustainable living

Let's go over some Quotes on sustainable living to get you thinking about the life you currently live. It's interesting that every choice we make may have a more significant impact than we realize.

The simple act of choosing to recycle or riding your bike to work one day a week doesn't just affect you. It helps the planet and future generations that will rely on it to survive.

Sustainable living is essential, and more and more people realize this fact. And knowing that this movement matters to others can encourage you to be proactive and make positive changes in your own life. So we've got 40 quotes on sustainable living, covering everything from fashion to nature.

You're going to love the inspiration! But before we dive into our epic list of sustainable living quotes, let's discuss what sustainable living is.

What is sustainable living?

The lifestyle of sustainable living tries to protect the environment, climate, and planet as much as possible. So, when living sustainably, you try to reduce waste and use of the world's resources.

It's a way of thinking about others, especially generations in the future who will directly deal with the consequences of our actions today - whether those are positive or negative. You can delve further into the world of sustainable living with our favorite books on the topic!

40 Inspirational quotes on sustainable living

Check out these 40 quotes about sustainable living, featuring 7 different high-impact topics. See which ones speak to you the most!

Sustainable living quotes for fashion lovers

Fashion is a means to express ourselves and show creativity and confidence. Moreover, while we're doing this, it's important to remember that many other people and the environment are impacted by what we wear. 

"Fashion can be a universal player in protecting the planet." - Pharell Williams

Choose recycled or eco-friendly brands. You can choose to help the environment and other people by caring about what you buy. Check out our article Slow Fashion VS Fast Fashion: Why Slow Fashion Matters for more information! You will see why this is one of our favorite quotes about sustainable living.

"If you pay a little more, we can live a little better." - Sharti Atka, a garment worker from Bangladesh 

Considering the impact our buying choices have on others is incredibly important. So show your support for fair labor practices by buying from companies that care and prove it in the numbers.

"Ethical and sustainable fashion is not a product. It's a practice. Everyone is invited to participate. There's no obligation to buy. And you can get started right now. Today." - Elizabeth L. Cline

Being a thoughtful person who considers fashion part of sustainability is simple. When creating your wardrobe, consider its impact on the world.

"Infinite growth of material consumption in a finite world is an impossibility." - E. F. Schaumacher

We have a small number of resources, and we need to be aware of that as consumers of fashion and other items.

"The most sustainable garment is the one already in your wardrobe." - Orsola de Castro

Why buy more when you don't need to buy at all? It's crucial to make use of what you have.

"Buy less, choose well." – Vivienne Westwood

When buying items, pick things that are well made and will last a long time.

Quotes about sustainable living and the environment

These quotes on sustainable living cover how to consider environmental impact and the planet's future.

"We are the first generation to feel the impact of climate change and the last generation that can do something about it." - Barack Obama

Although there is debate about the time frame, there is urgency for us to do something now to help with the quality of life in the upcoming years.

"A mere 2% increase in the carbon content of the planet's soils could offset 100% of all greenhouse gas emissions going into the atmosphere." – Dr. Rattan Lal

It's important to research and find out the facts about our environment and what it needs. After that, then we can begin to help in a real way.

"We never know the worth of water till the well is dry." - Thomas Fuller

Let's not wait until we feel the effects of a changing world before trying to do something. We can create a better future.

"Where the quality of life goes down for the environment, the quality of life goes down for humans." - George Holland

Humanity is connected to the environment, nature, and our climate. We cannot live independently of it and must consider it with our actions.

"The ultimate test of man's conscience may be his willingness to sacrifice something today for future generations whose words of thanks will not be heard." - Gaylord Nelson

Even if we don't see the changes ourselves, we have to think about the future and how much what we do today will matter in a short time.

Quotes on sustainable living for recycling

Recycling is an easy way to make a difference for the planet. Every person can do it, and it has the power to help so much. It's not just an option; it's necessary.

"There is no such thing as 'away.' When we throw anything away, it must go somewhere." - Annie Leonard, Proponent of Sustainability

Our actions with waste and recycling don't just disappear. It matters what we choose to do when we no longer want an item.

"We just can't consume our way to a more sustainable world." - Geckoandfly.com

If we don't change what we do, we can't expect positive results. The whole planet has to work for it.

"We don't need a handful of people doing zero waste perfectly. We need millions of people doing it imperfectly." - Anne Marie Bonneau

This means that we aren't required to know everything about recycling or not make any mistakes. We just need to care and try, and with enough people doing so, that will be enough.

"Do your little bit of good where you are; it's those little bits of good put together that overwhelm the world." - Archbishop Desmond Tutu

If each person does their part, our world gets better. Do your best and have faith that others will, too.

"Use it up, wear it out, make it do, or do without." - New England proverb

Be practical about what you buy and throw away. Try to make clothing and items last as long as possible.

"When you put the whole picture together, recycling is the right thing to do." - Pam Shoemaker

A practical thought on recycling: please participate.

Sustainable living quotes for nature lovers

These quotes are for people who appreciate the beauty of nature. Nature relies on us and our actions to make sure it stays beautiful and can do its job of protecting humanity. Here are some sustainable living quotes about how much the outdoors matters.

"Nature holds the key to our aesthetic, intellectual, cognitive, and even spiritual satisfaction." - Dr. Edward O. Wilson

We need nature to help us with every aspect of our lives. It only makes sense that we take care of it as much as possible.

"Earth provides enough to satisfy every man's need, but not every man's greed." - Mahatma Gandhi

Carefully consider the impact when interacting with nature. Whether this means planting trees or protecting wildlife, there are many ways to give back.

"We are not above nature, we are a part of nature." - Jennifer Nini

Nature cannot speak for itself, but that doesn't mean we are more important than it is. It matters so much for life and sustainability.

"A nation that destroys its soils destroys itself. Forests are the lungs of our land, purifying the air and giving fresh strength to our people."— Franklin D. Roosevelt

We literally need nature to breathe. That's one of the most obvious reasons to take care of it well.

"In every walk with nature one receives far more than he seeks." - John Muir

There is beauty and wisdom in the outdoors. Take a walk and experience all that nature has to offer.

"Look deep into nature, and then you will understand everything better." - Albert Einstein

Nature can heal us and teach us so much. There's nothing like being outdoors to help you think and understand a different perspective.

Quotes on sustainable living and positive change

With so much to do for the environment and sustainability, you may feel overwhelmed. But know that you can make a difference. The following quotes about sustainable living are meant to inspire you as you move forward on your journey towards a more sustainable world.

"As consumers, we have so much power to change the world by just being careful in what we buy." - Emma Watson

Sustainability can be as simple as reading ingredient lists or checking out the eco-friendly practices of a company. So remember to support things that matter to you.

"The greatest threat to our planet is the belief that someone else will save it." - Robert Swan

Instead of waiting on others to do it for us, we each need to be part of the change for a healthier and brighter future.

"Progress is impossible without change, and those who cannot change their minds cannot change anything." -George Bernard Shaw

Caring about our own planet and limited resources is important. We must be willing to change our attitudes and our actions because we can make a difference.

"Nobody made a greater mistake than he who did nothing because he could do only a little." - Edmund Burke

Don't think that you doing your part doesn't help. It matters a lot, especially when many people join in.

"The world is changed by your example, not your opinion." - Paulo Coelho

We cannot just talk and then do nothing. We need to show our opinions by our actions.

"One person can make all the difference in the world. For the first time in recorded human history, we have the fate of the whole planet in our hands." - Chrissie Hynde

There are numerous cases of one person caring so much that they impacted the world. Be part of this by standing up for what you believe in.

"The task ahead of us is never as great as the power behind us." - Ralph Waldo Emerson

Many people are striving for a more sustainable world. Be inspired by those that have made a difference in the past, and carry that with you to the future.

Sustainable living quotes for beauty and skincare

Suppose you're someone who loves beauty and skincare. In that case, there are many ways to consider sustainability with products and think about how to help the environment through skincare.

"Don't rely on labels to give you the information you need. Trust only the ingredient list and your gut." - Yancy Lael

Look at what is in your skincare and makeup products by reading the ingredients. Are they natural? Do they help or harm the environment?

"Keeping your body healthy is an expression of gratitude to the whole cosmos - the trees, the clouds, everything." - Thich Nhat Hanh

By making an effort to use good products, we are helping not just ourselves but the planet.

"The most environmentally friendly product is the one you didn't buy." - Joshua Becker

If you can, use skin care products made from ingredients you already have at home, or use up what you already have instead of buying more.

"Every time you spend money you're casting a vote for the kind of world you want." - Anna Lappe

When choosing beauty and skincare products, show what you want for the planet by how you invest your dollars. 

Sustainable living quotes for green living

The green living lifestyle puts our planet first in each decision. These quotes on sustainable living will encourage you on the journey.

"Many people still believe that 'green' solutions are too expensive, but they are actually much cheaper when all of the costs to public health, social services, and waste handling are factored into the same equation." - Majora Carter

Costs are not always apparent. Consider green solutions because they are worth so much for our environment.

"The strongest governments on earth cannot clean up pollution by themselves. They must rely on each ordinary person, like you and me, on our choices, and on our will." – Chai Jing

No one can make us choose environmentally friendly solutions. We each have to do so independently, and it matters more than we think.

"The frog does not drink up the pond in which it lives." - A proverb

If we don't consider impacts to our world, we may not have one that is sustainable for very long. We must care for what we have.

"Reducing our levels of consumption will not be a sacrifice but a bonus if we simply redefine the meaning of the word 'success.' " - David Wann

Let's begin to consider it a victory when all people, our climate, and the environment win.

"Action is the antidote to despair." - Joan Baez

Rather than worry about the state of the world, we can do something. This will not only help, but it can take away some of our concerns.

"The single biggest threat to our planet is the destruction of habitat and along the way loss of precious wildlife. We need to reach a balance where people, habitat, and wildlife can co-exist – if we don't everyone loses…one day." – Steve Irwin

Consider ways to live that positively impact nature, animals, and the environment. It helps everyone.

How to begin living sustainably

Do these quotes have you convinced that sustainability is a great lifestyle practice? If you don't know where to start, that's okay. There are many ways to help. Wanting to make a difference is a significant first step. Here are a few ways how to follow it up with action:

1. Start with the basics

Suppose you are just beginning to live sustainably. In that case, there are some basic things you can do to help do your part without it changing your life too much. First, consider recycling.

This is as easy as grabbing an extra trash can for your home and placing recyclable products in it when you've finished using them. It will allow them to find a new life in the future, instead of being simply thrown away.

2. Try new sustainable hobbies

Next, think about hobbies like gardening that might be fun and environmentally friendly. If you love to garden, by all means, grow your own food and create a vast space for flowers and plants.

If you're new to it, for simplicity's sake, you could even start with small herbs like oregano. Keep just a couple in your kitchen to begin. Gardens can be large or small; they still help the planet.

3. Reduce transportation pollution

Last, consider your transportation situation. Our planet faces constant pollution from cars. It's not that you should never drive a car if you have one, but consider other options. For example, do you live close enough that you could bike or walk to work a couple of days a week?

Or is it possible to work from home sometimes and save yourself from needing to drive? There are many ways to reduce the use of automobiles, including having car-free days on the weekend or using an alternative method of transport.

4. Pick something to concentrate on

The amount that needs to be done to help our climate and environment is…well, not small. But choosing an issue you care about and focusing on that can make a big impact. So what interests you? Sustainable skincare? Recyclable paper?

Find the topic that you feel is important and learn about it. Then add new sustainable options to your life. Such as giving sustainable gifts! You'll feel a lot better knowing you care enough to focus on something in particular to help the world.

Use these quotes on sustainable living for inspiration to make positive changes!

These quotes on sustainable living are meant to inspire and give every person hope that we can make an impact. We can turn our world around in a fantastic way in a short time.

Our world needs us. It needs leaders that will make a difference with their own actions and (kindly) encourage others to do the same.

There is plenty to do, and any place is an excellent place to start. You don't have to take sustainability on by yourself, either. In fact, you can't. But everyone can help. What will you do to make your lifestyle more sustainable?

The post 40 Quotes On Sustainable Living To Get You Thinking appeared first on Clever Girl Finance.

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25 Budget-Friendly Spring Bucket List Ideas https://www.clevergirlfinance.com/spring-bucket-list/ Fri, 22 Oct 2021 12:16:43 +0000 https://www.clevergirlfinance.com/?p=14849 […]

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Spring bucket list

It's never too early to start thinking of fun activities to embrace the crisp air of spring! However, it's easy to overspend if you don't plan ahead. So we've gathered up budget-friendly spring bucket list ideas you can do for spring break, a staycation, or any spring weekend. These activities are perfect for adults, kids, and everyone in between.

Why you should have a spring bucket list of activities

A list is an excellent way to keep track and remember the fun activities you’d like to do. It’s also a great practice to get your kids or household involved in making a spring bucket list for the family to try this year. This way, you can be intentional about how you spend your time and money.

Making a list also saves you money! Keeping kids entertained can be expensive without proper planning. And there’s no surefire way of blowing your monthly budget than giving in to an impulse run to the mall or Target because you have nothing to do on a Saturday afternoon.

25 Fun and budget-friendly spring bucket list ideas

Here are some excellent spring bucket list ideas to help you plan and spend some quality time with your family and friends.

1. Dine outdoors

One of the best ways to enjoy the warmer weather is to dine outside. Set up your backyard early this spring so you can take lunches or dinners out there. You can also enjoy the crisp spring air at your favorite restaurants.

Bonus tip: Patio dining is not as crowded in the spring months, so you get more room and privacy.

2. Feed the ducks

If you have small children, then you should definitely include this in your spring bucket list. When I used to nanny, feeding the ducks was such a fun activity that brought lots of squeals and smiles from the kids.

Now that I have my own kids visiting the ducks is also one of their favorite things to do. We’re lucky to live in a neighborhood with lots of walking trails and little ponds. It’s always exciting for them and for me to see the flocks of ducks and mallards.

Also, be mindful of the dos and don’ts of feeding wild ducks. Avoid bread and crackers as they have no nutritional value to ducks and can cause malnutrition and painful deformities. Bring cracked corn, oats, rice, birdseed, frozen peas, chopped lettuce, or sliced grapes for the ducks instead. Happy feeding!

3. Fly a kite

Springtime brings warm breezes and sunny days. In other words, perfect weather for flying a kite. Kiting is a budget-friendly outdoor activity that you should include in your spring bucket list, especially if you have kids.

All that time outside chasing kites means the kids are getting some sun and exercise. Kite flying is also great for strengthening their hand-eye coordination. So grab those kites and head outdoors for a day of fun in the sun.

4. Go pick some berries

There’s no shortage of berries to be picked starting as soon as the warmer weather starts. So make sure to add it to your spring bucket list ideas. Strawberry picking typically runs from early March to late June.

Springtime is also a good time to start checking out picking spots for wild blackberries and raspberries. However, berries don’t ripen until around May or June.

If you’re picking from a farm, check their hours and the availability of fruit before heading out. Don’t forget sunscreen, a hat, and water because it can get hot.

5. Try bird watching

Bird watching is an activity that can be done all year round since the birds you see change each season. However, spring and fall migration are the hottest birding times when hundreds of species pass through.

If you’re new to bird watching, pick up a field guide or download a birding app. The Merlin Bird ID and Audubon Birds are free apps to get you started.

So, why not add bird watching to your spring bucket list? Reconnect with nature through these wondrous creatures, also known as the last of the dinosaurs!

6. Hike a new trail

There’s a reason why doctors recommend walking as exercise. It’s because it improves circulation, strengthens muscles, and lightens moods. So, why not include hiking in your spring bucket list ideas and enjoy the benefits of walking with nature?

Imagine it – the warm sunshine on your face, the cool breeze, and the sounds of nature all around you. So here’s your invitation to get out there this spring. Just make sure to consult a trail map before heading out so you know what to expect.

7. Take a road trip

Is there a place you’ve always wanted to see and experience? Or do you want to visit family and friends? If so, why not make the visit into a road trip this spring? Traveling is half the fun! So, make sure to involve the kids in the planning if you are traveling with them.

To reduce the stress over the cost of the trip, list your anticipated expenses, make a budget and start saving now. Next, get a map and plan your route and stops. Then, make a list of games, entertainment options, and what to pack for the trip.

8. Visit a farmer’s market

If you’ve never or rarely shopped at a farmer’s market before, make sure to add it to this year’s spring bucket list ideas. Farmer’s markets are an excellent place to shop for fresh produce. You get tasty fruits and vegetables grown locally, and you’ll be supporting local farmers and businesses.

9. Plant a garden

Add plant a garden to your spring bucket list and try your hand at planting herbs, vegetables, or flowers. If you wish to plant and grow herbs, you can start planting them as soon as March rolls around. Peas, lettuce, beets, and broccoli are also great options for a spring garden.

If you’re more into flowers, you can’t go wrong with pansies, daffodils, and tulips for a spring garden. You may also want to visit your local garden center or nursery if you need more guidance on plants that are suited and easy to grow in your area.

10. Go fishing

Do you know that fishing is one of the most popular outdoor recreational activities in the US? It’s true! In fact, more women and kids are taking it up as a hobby.

So, why not join them and include fishing on your spring bucket list ideas this year? It’s a great way to enjoy the outdoors and spend time with your family and friends. Whether you’re revisiting something you haven’t done in years or trying it for the first time, make sure you read up on what you need to prepare.

11. Go to the zoo

The zoo is a perfect day trip destination for any season. But most especially in the spring when humans and animals are waking up from being cooped up inside all winter.

It is definitely a favorite activity for my household. I love seeing my kid’s excitement and amazement as he sees the animals up close and personal. So, why not include a trip to the zoo on your spring bucket list? Go say hi to the animals as they come out of hibernation. It will be fun!

12. Go stargazing

There’s a whole universe out there, literally! And you don’t need much to enjoy it. You can go to a nice clearing for a better view or stargaze in your own backyard.

Check out the weather forecast for a clear night. Bring some blankets, hot cocoa, and you’re set. So, for a quiet and budget-friendly activity, make sure to add stargazing to your spring bucket list ideas.

13. Take new family pictures

Spring is also a great time to take new family pictures. Unfortunately, my husband and two boys never want to take pictures. That’s why I learned to be intentional and plan family picture days.

Planning picture days also gives me a reason to get my hair done and get dressed and a way to get my kids in cute outfits. Win-win! Add it to your spring bucket list, and have fun!

14. Have a water balloon fight

A water balloon fight could be what you’re looking for if you’re open to getting wet, running around, and a lot of squeals. Check out these 1500 water balloons from Amazon! Fill them up and invite some friends and family for a water balloon battle.

15. Have a family camp out in the backyard

Camping out in the backyard is easily one of my favorite spring bucket list ideas! It's also a great staycation idea.

I can tell the kids we’re going camping without packing the car and driving anywhere. And no one has to go pee in the bushes? I’m in!

So, this spring, pitch a tent, make a fire and enjoy your backyard camping style. Make s’mores, hotdogs, and tell scary stories for an unforgettable experience.

16. Have a family game night

Spend some quality time with your family and friends while playing fun, silly games. This is one spring bucket list idea that doesn’t take a lot of effort. Choose a game and pick teams to compete against each other.

Just make sure to pick a game that lets every member of the family participate. Keep a scoreboard or change the rules to make it more fun and less about winning. Either way, get ready for an exciting family game night!

17. Attend a local outdoor festival

Another great addition to your spring bucket list ideas is to rediscover what your place has to offer. Be a tourist in your own city and attend a local outdoor festival. Check out your local library or Google “events in your city” for festivals near you.

18. Catch the opening game of a sport you love

Opening games are exciting whether you’re an avid fan or a first-time attendee. Most organizations also set up activities and raffles during opening games. So, it’s always a festive event to go to.

19. Invite family and friends for a picnic

Spring is also a great time of the year to take your family and friends on a picnic at the park. Make great memories while having some delicious food. You can also bring a Frisbee or plan some games and make a day of it.

20. Go on an Easter egg hunt

A spring bucket list can not be complete without an Easter egg hunt, especially if you have little kids. You may choose to go to an event near you, or you can set up your own easter egg hunt.

Get ready with some pastel balloons and Easter decorations. Prepare plastic eggs in advance and fill them with small toys, candy, or numbers that correspond to bigger prizes, if you like.

Prizes could be stuffed animals, chocolate bunnies, or gift certificates. You can also decorate the snack table with pastel-colored tablecloths and streamers to go with the Easter theme.

21. Make spring crafts

Get your kids excited about spring by bringing the theme to your crafts table. Check out this list of easy spring crafts for kids for ideas on what to make. (We also have some great ideas on our money-making craft list!) Or you can ask them to help you dye some easter eggs and make Easter cards for family and friends.

You may also choose to get a wooden birdhouse. You can find them at most craft stores or online. Then, get your kids to paint them with acrylic paints and display them in your front or back yard.

22. Bake something spring-themed

With so many fruits in season for spring, you have the most options for whatever you want to make. Think of recipes for apricots, cherries, rhubarb, and berries! Look through this list of 55 spring desserts if you’re in need of new ideas.

23. Go on a nature scavenger hunt

Nature scavenger hunts are a great way to keep kids busy and outdoors. So, whether you have toddlers or teenagers, make sure to add this activity to your spring bucket list ideas. Simply make a list of items you want them to find, and you’re set to go.

24. Spring clean your home

Spring cleaning is a must for every spring bucket list! It’s also the perfect season for it. Try to find ways to motivate yourself and your household to get rid of things you no longer use.

For instance, you can make a game out of it by seeing who can clean their room the fastest. So, set a date, put some music on, and think of creative ways to get your kids to help.

25. Volunteer for a cause you care about

This is also a must-add to your spring bucket list ideas. There is always a need in every community for volunteers. And you don’t necessarily need a charitable organization to help out or make a difference.

Whether you’re looking to volunteer yourself or get your own kids involved in volunteering, you can find opportunities to do so in your community. Here are some ways you can help out:

  • Go to a homeless shelter to cook or serve meals.
  • Have your kids offer popsicles to garbage truck workers.
  • Participate in a park clean-up event.
  • Volunteer at a local nursing home or assisted living facility.
  • Connect with a local organization to cook and deliver meals to people who are sick.
  • Drive a neighbor to run errands or shop for groceries.
  • Plant flowers at a local school or library.
  • Put together a neighborhood garage sale and donate the profits to charity.

Make your own budget-friendly spring bucket list

There you have it – our favorite budget-friendly spring bucket list ideas! We hope we’ve given you some inspiration for your own list. So go out this spring and have fun, new experiences!

Start saving for your spring bucket list with our completely free "Savings challenge bundle!" These challenges will make saving fun and easy, and you will bulk up your savings in no time. Check out the Clever Girls Know podcast and YouTube channel for more great money tips!

The post 25 Budget-Friendly Spring Bucket List Ideas appeared first on Clever Girl Finance.

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11 Domestic Skills We All Need That Actually Save Money https://www.clevergirlfinance.com/domestic-skills-we-all-need/ Tue, 28 Sep 2021 19:43:03 +0000 https://www.clevergirlfinance.com/?p=14300 […]

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Domestic skills

Domestic skills can help you create a lifestyle that works for you. Not only can domestic skills create a smooth home life, but these also can absolutely save you money and are skills everyone in the family should have!

Let's explore what domestic skills are and how they can help save you money. Plus, how to build domestic skills you want to have.

What are domestic skills?

So what are domestic skills exactly? They are household skills that can help you create a smooth living experience through self-care and general cleanliness. A few examples of common domestic skills include cooking, doing laundry, and light handy work.

You may think that these tasks are just a part of your routine. But tackling extra domestic tasks truly saves you a lot of money! Now you know the domestic skills definition, let's cover why they are so important!

Why are domestic skills important?

Domestic skills are essential to know for several reasons. First, they can help you create a clean and comfortable atmosphere in your home. It is comforting to know that you can handle the tasks that pop up around your house without assistance. Not only is it empowering, but I find it genuinely enjoyable to take pride in my home with a suite of well-executed domestic skills.

Beyond the sense of accomplishment ad responsibility, domestic skills can save you a significant amount of money. With these savings, you can take steps towards the financial future of your dreams.

The best domestic skills to know to save money

So, what domestic skills should you know that will make the most impact on your wallet? Here are a few that can save you money:

Doing your own laundry

First on the list is laundry. Although you can pay someone else to take care of this task, it can be a valuable skill to have. The cost of paying a wash and fold service can add up quickly. You may have to pay anywhere from $1.29 to $2.25 per pound to cover the service.

Depending on the amount of laundry you create, this bill may run out of control quickly. For example, let's say that you create 25 pounds of laundry each week. That could lead to a cost of $32.25 to $56.25 per week to have your laundry done. Imagine how quickly those savings would add up if you tackled this chore yourself.

Painting your home

It is surprising how quickly a coat of paint can transform a space. Personally, I saved a few hundred dollars on replacing my kitchen cabinets by choosing to paint them instead.

Although I'm not incredibly handy, I decided to tackle this item on our pre-move-in list. Although it took some time and patience to transform the cabinets with a fresh coat of white paint, it was completely worth it. The kitchen in our new home looks great. Plus, it only cost about $100 in paint!

Tidying up and decluttering your space

Tidying up or decluttering your space is an often overlooked skill. Although it may seem like a small task, you can transform your entire space by tidying it up. The act of cleaning out clutter doesn't just save your sanity. It also saves you money!

With the average cost of a storage unit running around $90 per month, the cost of clutter can grow quickly. Plus, it can save time to know where everything is in your home. Otherwise, you may be stuck spending hours searching for items when you could use that time better.

Stocking your kitchen on a budget

The cost of groceries seems to be constantly on the rise. But one domestic skill that can combat these rising costs is the ability to stock your kitchen on a budget. It is easy to see how the savings created by this simple skill can add up quickly. Want to learn how to put this skill into practice in your life? Check out our practical tips to cut your grocery bill in half. 

Meal planning

Meal planning is one of the best money-saving domestic skills you can learn. However, creating and sticking to a meal plan takes practice. It can be tempting to disregard your perfectly laid plans in favor of a quick take-out meal.

But meal planning can help you think ahead for the right meals for each meal of the week. I was able to slash our food costs by half through meal planning. Ready to learn how to meal plan on a budget? Learn everything you need to know to get started with meal planning here.

Cooking your own meals

Cooking is one obvious way to save money. The more you cook, the less you can spend on delicious meals. But it can be difficult to find the motivation to get started.

If you are reluctant to cook or simply hate cooking, I highly recommend giving an Instapot or Crockpot a try. You can create simple home-cooked meals with minimal time and effort involved.

Knowing basic handyman tasks

Basic tools can help you tackle small but important home tasks. For example, you can use a hammer to hang pictures or a small screwdriver to replace wallet outlets.

The cost of a handyman can run between $50 to $70 per hour. Why not give small home tasks a try with a basic toolset. If you aren't sure where to get started, then YouTube is a great resource.

Finding home decor that suits you on a budget

Home decor that looks picture-perfect doesn't have to cost an arm and a leg. Although it can certainly be easy to spend a substantial amount of money to furnish and decorate a home, it is possible to find decor that suits your style and your budget. As a domestic skill, many overlook the value of being about to create a homey atmosphere without overspending.

Luckily, it is a skill that you can hone over time. A few good places to start your search for cute and budget-friendly decor, check out thrift stores and Facebook Marketplace to see what's out there.

Hosting parties without overspending

It is lovely to hang out with your friends without spending on overpriced food and drinks out on the town. Instead of going with the conventional approach of dining out to catch up, consider hosting friends at your place. 

There is a considerable amount of skill that goes into rounding up a fun group of friends to spend an evening. If you aren't up for cooking an entire meal, consider hosting a potluck to spread out the challenge of cooking multiple dishes. 

Since dinner and drinks, out can add up quickly, check out your own budget to see how much you could save. Depending on your spending habits, this skill could save you a few hundred dollars each year.

Cleaning up your house

A clean home is critical for health and wellness. Of course, you can hire a maid to handle cleaning for you. But that choice will cost you between $25 to $50 per hour.

At that hourly rate, you can see the savings add up quickly. Although cleaning isn't necessarily a fun task, it is necessary. When you make it a priority to tackle this skill yourself, you can save big.

Managing your household finances

Household finances are a key part of anyone's long-term wellbeing. However, many outsource this critical task to an advisor. Instead of putting your financial choices in the hands of an advisor, you can take charge of your financial future. The choice to tackle your finances on your own can save you thousands over your lifetime.

You can get started by tackling your budget. Once you have a handle on your budget, it might be time to learn more about investing to build a financial future that works for you. Need some help setting up your budget? Take advantage of our completely free budgeting course!

Learning domestic skills: How to get started

If you aren't sure where to get started with a new skill, then the internet is an amazing resource. Check out sites like YouTube and Pinterest to help you learn almost any skill.

You can also head to Lowes and Home Depot for free DIY workshops for you to learn handyman skills such as installing baseboards, crown molding, and even organization classes! If you're trying to brush up on your cooking domestic skills, then you can take free online cooking courses from the Institute of Culinary Education.

When you are learning new domestic skills, take the saying that practice makes perfect to heart. It is completely understandable to need some time to practice new domestic skills. You'll boost your confidence in domestic skills over time.

It is important to be kind to yourself as you make the effort to learn a new skill. So, don't be too hard on yourself if it takes some time to learn. Instead, just keep practicing until you are comfortable with your new skill.

Save money using these domestic skills!

So now you know the domestic skills definition and how to learn them! Domestic skills can help you reclaim a significant portion of your budget. You can tackle tasks that you would otherwise have to pay someone to handle. So why not take the time to learn these new skills and transform your budget.

Want to learn other skills too? Take a look at these high-income skills that you can use to earn more money. 

Start saving even more money with our completely free savings challenge bundle! Also, check out the Clever Girls Knows podcast and YouTube channel for more great financial tips.

The post 11 Domestic Skills We All Need That Actually Save Money appeared first on Clever Girl Finance.

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What To Do At Night When Bored: 55 Budget Ideas https://www.clevergirlfinance.com/what-to-do-at-night-when-bored/ Sun, 25 Apr 2021 03:12:15 +0000 https://www.clevergirlfinance.com/?p=11433 […]

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What to do at night when bored

Wondering what to do at night when bored? The idea of going out for the evening can be pretty enticing after a long day. Even if you don't end up going out, it's still easy to order food or shop online from home. The problem here is it usually costs quite a bit of money.

Sometimes we go out for fun, but other times it's because we're bored. And while boredom has its benefits, it can become a costly pastime if left unchecked. If you want to save money by staying home, but you don't know what to do, this list will help.

In this article, we share 55 ideas on what to do at night when bored to save money.

Benefits of staying home

Staying home may at first seem like a dull choice, but there are a ton of benefits to it. Other than teaching yourself frugal living and being content with what you have, here are some other great things that come out of staying home.

You can learn new skills

Staying home pushes you to develop new ways to spend your time. You might become great at poker, crafting, sports, or any other pastime. It can increase confidence and take away the feeling of needing to spend money to have fun.

You'll save money

Dinners out and entertainment are fun at the time, but you may wind up spending hundreds of dollars extra each month or more! Saving money is the big reason for staying home. When you choose activities that don't require spending, you can turn around and save that money or mark it for some other important thing.

55 Budget ideas for what to do at night when bored

That being said, if you are wondering what to do at night when bored, here are our top ideas!

1. Budget

It should be an obvious one, but before you do anything else, decide where your money will go with a budget. Put it in categories and work on saving as much as possible. If you can, leave a little money for fun.

2. Decorate your space

Start with one room and begin dreaming about how you want it designed. Complete with furniture, paint, and decorations. Once you have the plan in your mind, you can try to find low-cost options that fit your ideas.

3. Sing along to a musical

If you don't know what to do at night when bored, this is fun. Start up a favorite musical and grab your hairbrush to sing into.

4. Try a new recipe

Eating at home saves money, plus it gives you something fun to do with your time. Try recipes online or check out a cookbook for new ideas. We have a ton of ideas for cheap meals!

5. Go for a nature hike

Check out your surroundings by going on a hike. Or a walk around your neighborhood if you don't want to go far. It's good exercise, you get fresh air, and it costs no money.

6. Mail cards

Spend time picking out a card, writing something thoughtful to someone you care about, and then sending it to them in the mail.

7. Start a side hustle

If you're at home not spending money, you might as well make some. There are a crazy number of side hustle ideas out there, and many you can start without even leaving your house.

8. Rearrange a bookshelf

It's a fun distraction, and you might find books or items you didn't even know you had. Arrange by author, style, color, or topic.

9. Read a book about finance

After you've gotten those books organized, find one about finance and start educating yourself about money. You can take in information at your own pace and find out things you didn't know before. There are a ton of great finances books!

10. Watch YouTube

It can be entertaining or educational, depending on what you choose to watch. Try a little of both and subscribe to some YouTubers that inspire you. Be sure to check out the Clever Girl Finance YouTube channel!

11. Download money-saving phone apps

A lot of apps can help you save money through budgeting, banking, or finding deals on items you purchase. Download some and try them out.

12. Clean out your inbox

Cleaning out your inbox frees up mental energy and can keep you from missing necessary appointments or meetings. It's a good idea to do a weekly clean-out of your emails, at least.

13. Do all the laundry

If you're struggling with what to do at night when bored, why not get everything done at once? Launder the clothes, linens, and towels, so everything in your home is fresh and clean.

14. Deep clean the carpets and floors

This is a great way to put your domestic skills to use and save money! It isn't something we think to do daily, but our carpets and flooring can get filthy over time. For a fresh and tidy home, try deep cleaning the floors.

15. Clean all the windows

Try cleaning every window in your home, inside and out, with window cleaner or just water and paper towels. (If you live on the second floor of an apartment, clean the windows you can get to safely.)

16. Organize the closets

Just because closets are for storage doesn't mean we shouldn't organize them. Make yours more functional by taking the time to declutter and clear them out. Maybe create a capsule wardrobe while you are at it! Learn more about getting organized on a budget.

17. Create a nighttime routine

Create a nighttime routine to end the day with. It can include reading, making dinner, meditation, picking out clothes, and bedtime. It's up to you.

18. Color

You can buy coloring books to enjoy, or there are even coloring apps for your phone. Coloring is a relaxing way to pass time.

19. Review multiple banks to find the best deal

Spend a night researching different banks to check their fees and benefits. Then decide which is the best option and open an account.

20. Clip coupons

You can do this literally if you get the paper, or more likely, use some other coupon apps to find deals on things you already need.

21. Check on your investments

Investing is necessary for the health of your money. Take a look now and then and see if your investment portfolio needs to be rebalanced or is good the way it is.

22. Take a free course about money

There are tons of great classes that are focused on getting you the financial information you need - for free! Clever Girl Finance offers free courses about money right on our website.

23. Try out an investment calculator

These are fun, and you can find a lot of free ones online. Try plugging in different numbers and time frames to see what amounts you come up with at retirement age. You might even find yourself investing differently after this.

24. Order a financial planner journal

Financial planning journals are available online in printable form or as journals. They can help you track your money goals, and the cost is relatively inexpensive. You can also find printables at more affordable prices.

25. Improve your resume

If it's been a while since you've looked at your resume, it might be time to update your job and skills sections. If your resume is already pretty great, this is your chance to tweak it and make it perfect.

26. Sell unused items around the house

It can make you money and is an excellent answer for what to do at night when bored. It also clears out your home, leaving you with peace of mind. Less clutter can help you focus and feel better in your environment.

27. Repurpose old furniture or other items

If you have any old furniture, you can try to repurpose it. Turn it into something new or at least clean it up and make it functional again. Even if you don't feel like you know what you're doing, it's still fun, and you'll likely end up with something cool to show for it. When it comes to what to do at night when bored, this can be a lot of fun and rewarding too!

28. Start a Weekly Dinner

Make dinner for your friends at your home, and take turns eating at each other's houses. You could even save money if you get several people involved. You can meet weekly, monthly, or more often if you want. There are so many great frugal meal ideas.

29. Work on your car

Working on your car is a great habit and skill to develop. Learn how to change a tire, the oil, and check the vehicle to see if it's running well. It can save you money on car expenses, and it can even be a hobby.

30. Automate your tasks

We all have routine tasks that we complete each day, but could you save time by automating them? Automating things like shopping and bill paying means you won't even have to think about it. Spend an evening automating everything you can think of.

31. Go paperless with bills

Choosing a paperless billing option is great for the environment and can make it easier to keep track of important paperwork. Opting for paperless billing means you'll have access to an electronic file instead and can give up spending all that time on unnecessary mail.

32. Strategize with a friend or partner about money

Sit down and think through your goals with someone that you trust. You can share your dreams about money and careers and figure out steps you want to take to get there. Having an accountability partner is a great way to get support with achieving your goals.

33. Create the ultimate home theater

Set up a home theater that's perfect for you and your family. Gather everything you need for a great movie experience: beanbag chairs or pillows, the ideal film, movie-themed snacks, and even a projector to make it feel like you're watching something on the big screen.

34. Face yoga

Doing facial exercises is very good for you and can even help you look younger. Set aside a few minutes in the evening to do this.

35. Indoor herb garden

You can make your garden using a pallet board and some small herb plants. Hang the herb garden from a wall near the window. You can tend to them each evening, and you'll always have fresh herbs and seasonings for your food.

36. Check your credit score

You can do this on websites or apps without spending any money or lowering your score. It's an excellent way to check on your financial health.

37. Track your spending

It's something that only takes a few minutes a day. When you get home for the evening, track the amounts you spent that day. Write it down or use a spreadsheet, and soon you'll have a clearer picture of how you spend your money.

38. Go shopping

You heard right - go shopping - sort of. When you're home at night and tempted to spend money, go online to your favorite store and add whatever you want to your cart. Then wait a day and check back in. If there's anything you need from the cart, find coupons or promo codes to get a lower price.

39. Go outside

Even sitting on your front porch counts for getting fresh air. It's essential to get as much sunlight as possible and spend time outside, so make it part of your evening routine.

40. Origami

You can learn this art quickly from books or videos, and then you have a fun new hobby. Try working on this in the evenings. It's a relaxing activity, perfect for after work.

41. Upcycle clothes

You can use your time in the evenings to upcycle your clothes. Not only does it help put a stop to harmful fast fashion, but it's a great way to create your style.

42. Build or fix something in your home without going to the store

Suppose there's something in your home that needs maintenance, like a squeaking door or a wall that needs paint; fix it yourself. Make it your mission to DIY all your home projects at night.

43. Get a pet

Some pets are more costly than others, but you can find many pets that need homes even if you don't want to spend a fortune. You'll be busy in the evenings feeding and caring for your pet, and they make great companions. When it comes to what to do at night when bored, this can be very fulfilling.

44. Meal prep for the next month

You can meal prep at night for the next day, or if you want to be super productive, prep for the next month. You can make freezer meals and have dinner options for weeks.

45. Trade wardrobes with a friend instead of throwing clothes away

If you have a friend who's a similar size to you, try trading some of your outfits for theirs. You both get a new look without spending any money.

46. Go to the library

There are some free options for what to do at night when bored. Most libraries have set hours, so this may be more of an early evening activity, but still. You can check out some books or movies and have hours of entertainment available.

47. Board games

Become an expert at one or try to win them all. You can play games online, but you might also try hosting a game night. Check out our list of fun challenges to do at home for game night inspiration!

48. Call friends - on the phone

Yep, it's pretty old school. But talking on the phone can be fun, and you can discuss more things than people usually do through text.

49. Video chat with long-distance family

Maybe you have relatives you haven't caught up with lately that live far away. Schedule a video chat to talk. It might become a weekly thing if you enjoy it.

50. Rearrange the photos on your walls

Do you have a lot of pictures or prints around your home? Try something new by taking them all down and hanging them in new patterns or different rooms to make a significant change.

51. Go through memory boxes

Everyone has at least one box of mementos, photos, etc., that they've saved through the years. Find a night when you have some time and go through the box, reminiscing and deciding what to keep.

52. Clean out your office

Do you have old paperwork that needs to be filed or shredded? Clean out your home office and get it organized so you enjoy working in it.

53. Create a relaxing atmosphere

Your home should be a place to unwind after a long day. When you get home at night, take some time to light candles, play quiet music, drink some tea, and generally relax in a calm space.

54. Do nothing

When was the last time you sat down and did absolutely nothing? Not reading, checking emails, or texting, but just sitting and enjoying the moment? Most of us don't do this often enough. Even five minutes a day of doing nothing is beneficial.

55. Podcasts

Find a podcast that interests you and listen to it when you are at home at night. Extra points if it's a financial podcast!

What to do with the money you save

More money is a great thing! Now that you aren't spending as much going out in the evenings, you can use that money elsewhere. Here are some ideas.

Start an emergency fund

Everyone needs one of these for security and peace of mind. Things happen, like car maintenance or a leaky roof. But Bankrate says that less than 4 out of 10 people in the U.S.A have $1000 saved in case of an emergency. An emergency fund ensures that you have what you need when this occurs, without wondering where the money will come from.

Begin by saving three months of your paycheck amount, and then up to 12 months. It depends on job stability and your preference, so find an amount that makes sense for you. Set aside what you would have spent going out each month until it equals the amount you want for your emergency fund.

Pay off debt

Think about how much quicker your debt payoff would be if you put all your "going out" money towards it! It's a great way to fast-track your debt payoff and get you to where you want to be faster. If you genuinely want to see results, try this.

Any time you want to spend money going out at night, take the amount you would have spent and apply it directly towards your debt. As you watch the amount owed drop, you'll know you made a good decision.

Save for retirement

It's something most of us put off until later, but regardless of whether we save or not, retirement is a fact of life for the majority. It's best to prepare by stashing away a percentage of your income each month in IRAs or investments. That way, you'll be ready for the future, and you can know that the money you aren't spending is making your later years better.

Asking yourself what to do at night when bored? A ton!

Staying home to save money and choosing to save or invest that cash for other purposes is usually a great decision. Although there's nothing wrong with going out and having fun now and then, being more budget-conscious is a choice that helps you out in the long run. These 55 ideas for what to do at night when bored can help you change your habits and create a frugal lifestyle!

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70 Best Indoor Hobbies To Try Out https://www.clevergirlfinance.com/best-indoor-hobbies-to-try-out/ Fri, 19 Mar 2021 15:49:42 +0000 https://www.clevergirlfinance.com/?p=11115 […]

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Indoor hobbies

In a culture that values working harder and harder, hobbies sometimes get left out. The idea of doing something just for fun may be unfamiliar. Still, the fact is, indoor hobbies play a valuable role in our lives. They make us more creative and productive people. They can teach us things and broaden our horizons. Plus they are great for self-improvement. In short, hobbies are possibilities.

Although summer presents plenty of outdoor activities, there are a ton of great indoor hobbies as well. Indoor hobbies are great for rainy and snowy days (common in the spring and winter months) and sick days or just for fun. Here's our list of the 70 best indoor hobbies!

70 best indoor hobbies to try out

1. Plant care

If you, like me, love gardening outdoors, you'll probably love caring for indoor plants, too. You might try hanging plants, succulents, or potted flowers to start. There are many varieties that thrive in indoor environments. And starting an indoor garden means you aren't restricted by the weather!

2. Yoga

Yoga is a great way to relax and can easily be done indoors. All that's needed are a yoga mat and workout clothes. YouTube has tons of great (free!) videos to help you begin.

3. Try woodworking

Woodworking is a fun hobby that's usually best to do outdoors or in a garage. You might try making figurines or carvings, or you could try something more complicated, like furniture.

4. Organize

Time to organize all the things, my personal favorite hobby. Closets, drawers, pantries, offices - I find that anywhere that my home feels cluttered, I can use my organizing skills.  Plus organization, if done right, can be a huge de-stressor!

5. Scrapbook

Scrapbooking is a fun way to remember good times, and it's one of the best indoor hobbies. Collect photos, keepsakes, postcards, and other items. These can be from anything memorable like weddings, graduations, vacations, etc. Then add them to your scrapbook for safekeeping and memories.

6. Become a tea connoisseur

Do you love to drink tea? Why not become an expert at brewing and choosing flavors? There are even subscription boxes that will bring you new samples!

7. Play games on the Wii or Nintendo Switch

The Wii and Nintendo Switch game console offer both workouts and a fun activities. There are plenty of games and sports to play, and it's more interactive than video games.

8. Learn all the history of a particular country or time period

Are you interested in a specific time or country? Research the culture and history of that era or place. You might even become an expert!

9. Home improvement projects

Improving your home can start small with, say, painting a wall. It can also be as involved as a kitchen remodel. You can create your vision, set your budget, and begin improving your home. Upgrading your space not only enhances your quality of life but may also add value to your house long-term.

10. Make espresso and coffee

One of my favorite ideas is to become a coffee and espresso expert. Watch videos to teach yourself how to create the perfect brew, make lattes, or use a french press. As an added benefit, your friends will love coming over for some caffeine!

11. Bake cookies and desserts

Love to bake? Try out some new recipes and create desserts for fun. Many people love to bake to unwind from a long day or as a way to be creative.

12. Bake bread

Baking bread is similar to baking desserts, but it tends to be more involved and takes more time. There are a lot of recipes to try, plus your home will smell wonderful.

13. Cook meals and dinners for people

If you're a good cook (or want to be!), this can be another of the most fun indoor hobbies. Practice your cooking skills, and when you feel confident about a dish, invite family and friends over to try it out.

14. Make candles

Candle making is one of those  DIY craft hobbies that can be a lot of fun! If you're creative and good at making things, this is a great indoor hobby to pick up. You might even make some money if you sell your products.

15. Put together outfits

Love fashion? You can make your workweek easier and enjoy your hobby by putting outfits together. Try different combinations to make clothes feel new, without spending anything. Building a capsule wardrobe is also a great idea.

16. Budget

At Clever Girl Finance, we love a good budget! Budgeting is both a productive hobby and a great way to reach your financial goals. Creating budgets, finding ways to save money, and researching finance will give you a new mindset, and your wallet will love it.

17. Blog

Writing can inspire others, and it's a great outlet. Blogging can help you form an online community while talking about things that matter to you. You'll learn new skills and have fun.

18. Rearrange furniture

A little bit of feng shui can go a long way. Try moving things around in your living room, kitchen, or office to make the room feel different. You might try rearranging furniture in one room every month or so to keep things from feeling boring.

19. Weight lifting

If you enjoy fitness, weight lifting is always popular. It's healthy, and you can challenge yourself to lift more over time. There are many gym options out there, which is an excellent activity to bring a friend along for.

20. Ping pong

This game is great for exercise and stress relief. It's easy to become good at it with practice, and although it's possible to play the game alone, it's more fun with family and friends.

21. Jogging

Jogging isn't only for the outdoors! You can jog indoors on a treadmill or in place. Many people also like to listen to a podcast or playlist while doing this, so it's kind of two indoor hobbies in one.

22. Journaling

Even if you don't think of yourself as a writer, journaling is a healthy way to work through thoughts, express ideas, and unwind. Pick a time during the week, or even every day, to sit down and journal.

When I make this part of my routine, I notice the benefits. You can even journal for your finances! One effective way to journal is with bullet journaling.

23. Hairstyling

Styling hair is a very creative pursuit. You might practice waves, curls, straightening, and even cutting your hair if you're brave! You can easily find tutorials to teach you the basics.

24. Guitar

If you're musically inclined or would like to be, the guitar may be for you. Although there is an initial cost, it's a rewarding hobby. Many people teach themselves instruments now so that they can move at their own pace.

25. Piano

Similar to guitar, the piano is a popular instrument. There are many resources to help you learn. You might begin by practicing on a keyboard, which tends to be cheaper than a piano unless you already have one.

26. Sing

There aren't any start-up costs here. You can teach yourself through books and videos or get an instructor to help you learn. If that's too structured, you can always start your favorite playlist and begin by practicing songs you know.

27. Drums

Drums are an enjoyable activity, although they can be noisy, so be mindful of others in your home. You can also purchase drum sets that are quieter than regular ones.

28. Act and try improv

Acting and improv are some of the indoor hobbies that are usually more fun in a group. There are many improv and acting classes available in most cities. Still, you can also teach yourself if you prefer to practice your craft solo.

29. Make soap and spa products

Speaking of crafts, soap making, or making other spa products is a great hobby. Bath bombs, scrubs, and more are just some of the items you can create.

30. Take classes

The chances are, if you're interested in learning anything, there's a class for it somewhere. From web design to pilates to learning a new language, there are a million options. Try narrowing it down to five topics you're interested in, and see what type of classes you can find.

31. Social media

While social media is excellent for networking, it can also be a rewarding hobby. You can create social media groups for topics you care about or try to teach yourself about Instagram or other media you're interested in.

32. Make movies or videos

Do you like to direct or come up with story ideas? Movie and video-making could be for you. Consider creating a YouTube channel to start. You can make videos about anything, from productivity hacks to music to home decor. Another thing you can do is create video tutorials.

33. Martial arts

Martial arts require discipline and skill, and it takes time to learn. This is the perfect indoor hobby for a great workout, but it also has other potential benefits like increased confidence.

34. Trivia games

There are a billion different types of trivia, so you can start by picking a genre that's interesting to you. From there, you can play trivia games with friends or try beating your high score.

35. Watch classic old movies

Do you love old films? Make a list of the ones that star your favorite Hollywood actors and begin watching. You can even watch movies with friends over a video chat.

36. Chess

This game requires focus and strategy. It can be played online or in-person and can take short amounts of time, or days, depending on the game.

37. Checkers

Checkers is a fun and social game. You can make your new hobby everybody's by hosting tournaments.

38. Poker

Card games like Poker require thinking logically and being able to read people. There are world championships for this, but most people just enjoy gathering a group of friends together to play for fun.

39. Make your own clothes

If you have the time and know-how, you can make your own clothes! It's fun to find patterns and fabric, knowing that you're creating something unique that no one else will be wearing.

40. Crochet

Crochet is a creative indoor hobby that I personally love. You can make rugs, blankets, scarves, hats, and anything else you'd like. It might take some practice, but soon, you'll master the craft.

41. Pilates

Pilates is an excellent workout that also helps you to gain flexibility. There are classes offered in many places, but you can also practice on your own. You can check out YouTube channels to help you learn.

42. Ballet

Ballet is a highly creative outlet that allows you to bring structure and grace to music. If you're a beginner, try joining a local studio to get started. After you master the basics, you'll move through the ranks and learn more complex choreography.

43. Darts

Darts aren't just for parties; you can also play on your own. Although it may seem difficult at first, it's the perfect way to learn focus and coordination.

44. Plan your week, month, and year

If you enjoy planning and organization, try this. You can create weekly, monthly, and yearly goals to complete. It can be motivating and inspiring to work towards the things that matter to you and tracking it will help keep you aware of what you've accomplished so far.

45. Design your own planner

If you've ever felt that you can't find the perfect planner with everything you need, why not create one? You can do this from scratch, or you might try buying some printables to help.

46. Video games

Video games are a popular indoor hobby. It's challenging and also gives you a chance to make friends who have similar interests.

47. Learn a language

There are so many programs and phone apps out there that can teach you a language - for free! Make it fun by learning the language of a place you'd like to visit someday or a language that you'll be able to use frequently in your everyday life.

48. Draw

If you're an artist at heart, you might take up drawing or sketching. All that's required is a drawing pad and pencils, although you can get more elaborate by using charcoals and other colors.

49. Paint

Painting can be a great way to relax and get in touch with your creative side. Try something simple to begin, and have fun gradually progressing to more complicated patterns. There's oil painting, watercolor, and others.

50. Fix something in your home

If you're handy and something in your house needs repairing, get to work! It can be a hobby if you enjoy it, plus it makes your home more comfortable.

51. Puzzles

Puzzles are a favorite hobby of many people. There are all kinds, from 1000 piece jigsaw puzzles to 300 pieces for beginners. Find a landscape or picture you like, and set up a puzzle table.

52. Crosswords

You can find crosswords in the daily paper, but you can also buy whole books of them if you're an overachiever. You can purchase them based on skill level and watch your vocabulary increase!

53. Make frugal living plans

If you like saving money, there are endless ways to do so by living frugally. You can make this a hobby. Start by going through your budget to see if there are any money wasters. From there, think about ways to save on groceries, transportation, and more.

54. Make money from a side hustle

Many indoor hobbies can make you some extra cash. Try one from this list of 40 top hobbies that make money or develop a new idea. You can sell something, hire out your writing or computer services, or anything else you can think of.

55. Volunteer at home

Helping others can happen anywhere and can even become one of your indoor hobbies! There are a lot of volunteer tasks to be completed from your computer or in your house. Find out more with VolunteerMatch.

56. Biking

Stationary bikes aren't that expensive if you get a lot of use out of them. You can also sign up for classes so you can bike with an instructor and others who love fitness.

57. Photography

Love to take photos? You might turn your photography into a hobby and enhance your skills. Figure out what you like to photograph - landscapes, patterns, etc. Then spend time training and learning how to take better pictures with your camera.

58. Basket weaving

Basket weaving is a unique craft. You can make presents for family and friends, and do something fun that is also productive.

59. Knitting

Knitting is similar to crochet but uses two needles. You can make anything from throw blankets to mittens.

60. Sewing

Sewing is a great hobby to get into. It can help you make costumes and clothes, pillowcases, hats, and more. Plus you can take it an extra step by learning all the various stitches and even embroidery.

61. Online shopping

I like this idea, though it can get expensive! On the other hand, you can find bargains, especially if you like to look for sales or coupons to find the best price for an item. Plus, you can shop from the comfort of your own home.

62. Pedicures

Pedicures are a great way to practice self-care and relaxation, but it's also a hobby. You can experiment with various colors and designs to get the perfect spa-like experience.

63. Build websites

If you enjoy working on sites like WordPress or Squarespace, you might try building websites for fun. This talent takes time to develop, but if you get good at it, you can make money, and you'll likely never run out of projects.

64. Science projects

These aren't just for school! If you like science, you might try some home science experiments as a hobby. There are a lot of fun ones that don't require too many things to get started. Always follow safety precautions, of course!

65. Meditation

Deep breathing and meditation are healthy exercises that often help people feel more relaxed and calm during their day. If you prefer guided meditation or just want to know how to get started, tons of apps will help you begin.

66. A book club with friends

If you love reading, you might consider joining a book club. You can read through a book or chapters of it and then meet to discuss it with your club. These can be online or in-person meetings, and it's great to find a community with your same interests.

67. Movie club with friends

This is similar to the book club, but you find people who have similar taste in movies. You might watch a film together to discuss it, or watch it separately and then give your thoughts. There are multiple genres like classics, comedies, dramas, and more.

68. Facials

You can learn to do your own facials at home. If you want to go all out, you can create facial scrubs using ingredients in your kitchen. If that doesn't appeal to you, you can always purchase a pre-made mask at the store.

69. Edit videos or photos

Editing can take a lot of time to do, but it's worth it for the finished product - a great video or photograph. It's another hobby that might make you extra cash if you're good at it.

70. Write a novel

If writing is your passion, try writing your own novel or book. You can work on it whenever inspiration strikes. It's fun to create characters or discuss ideas, and who knows? Someday, it might become wildly popular!

How to pick a hobby

Are you wondering where to begin? Here's how to pick the right hobby.

Try a few from this list

If you're unsure of what you're interested in, I recommend picking out a few hobbies from this list that sound like fun. Try them out and see if you enjoy them or not. You can make a pastime from the one you like best. If not, try a few more. If nothing else, you're finding out what you don't enjoy, which will get you that much closer to the hobbies you do like.

Try a hobby with friends and a hobby on your own

If you want to choose a good hobby, try one with friends or family, and another on your own. Sometimes things are more fun with more than one person. You might dislike watching classic movies alone, but enjoy it with a friend. On the other hand, you might like painting or sewing while on your own. It's up to you.

Indoor hobbies are great ways to spend your time if you can't go outside for whatever reason. They help you learn skills, perfect talents and make new friends. Even though there are 70 choices on this list, there are endless options out there waiting for discovery!

The post 70 Best Indoor Hobbies To Try Out appeared first on Clever Girl Finance.

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The 28 Best Frugal Living Blogs https://www.clevergirlfinance.com/best-frugal-living-blogs/ Thu, 25 Feb 2021 03:20:49 +0000 https://www.clevergirlfinance.com/?p=10816 […]

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Frugal living blogs

Want to gain control of your finances? Sometimes it's not about making more, but spending less. Saving money is often overlooked in favor of more (seemingly) exciting techniques, but saving money is an important part of financial wellness.

There are some extreme frugality examples out there, but we want you to see how easy it is to work frugal living into your life without feeling like you never stop counting pennies. And we've compiled an awesome list of frugal living blogs that you can use as a resource.

These frugal blogs will inspire you to budget, save money, and stay debt-free. These bloggers cover everything from saving money by changing your mindset to shopping at discount prices and even frugal meal plans! There are real-life examples and methods you can use to succeed.

That being said, let's get started with these 29 best frugal living blogs!

1. Making Sense of Cents

If you're wondering where to start with frugal living, this is the blog for you. Michelle created this website as a way to help herself get better with money. It worked - she paid off debt, makes a great income blogging, and now instructs others on how to live their best financial life.

Making Sense Of Cents is one of the best frugal blogs out there for people who want more out of life for less money.

2. Mr. Money Mustache

Pete is one of the leaders of the F.I.R.E. movement (Financially Independent, Retire Early). He retired super early (in his thirties), and he now spends his time advocating for a more frugal and simple lifestyle.

Mr. Money Mustache is the perfect website for people interested in saving money and living life a little differently. Pete is genuinely passionate about helping people be more thoughtful about consumerism and spending, and his blog gives plenty of great advice.

3. Millennial Revolution

Kristy and Bryce, a couple who retired from work at the age of 31, write this super smart and relatable blog. They now spend time traveling and writing books.

Millennial Revolution gets into the details of how to save, how compound interest works, and alternatives to the 9-5. A must-read for anyone looking to save money in a big way and live the life they want sooner rather than later.

4. The Penny Hoarder

If you're looking to find advice on all things money, from investing to budgeting to taxes, check out The Penny Hoarder. They publish articles written based on the experiences of real people, and they focus on frugality and using money to improve your life.

5. Fun, Cheap or Free

6. Living Well, Spending Less

Ruth writes her blog posts in an honest, open, and accessible way. She's been through a lot to get to where she is today, and she teaches others how to be successful, too.

With blog posts featuring how to save money, get organized at home, and be content to live life outside of the status quo, Ruth gives sisterly advice for frugality and freedom at Living Well Spending Less.

7. Frugal Living Momma

Savanah is a mom blogger who gives excellent tips for living on less, getting organized with finances, and when to buy to keep more money in your wallet. On Frugal Living Momma, she offers a perspective that focuses on family, and she writes one of the best frugal living blogs for practical saving.

8. Busy Budgeter

9. Be More With Less

In this blog, Courtney focuses on living simply. She ties this into money management by discussing topics like being debt-free and budgeting. At Be More With Less, she reminds readers of the life they can create through striving for a relaxed and financially free lifestyle.

10. The Minimalists

These two friends, Joshua and Ryan, decided to see what life would be like with less and never looked back. They openly advocate for living minimally and being conscious consumers.

It ties in perfectly with frugality, as they make their readers (and podcast listeners) think about their purchases, and what matters. Warning: you might save a ton of money after reading The Minimalists blog.

11. Prudent Penny Pincher

Prudent Penny Pincher is a large website that talks about spending less through finding deals and living frugally. Stephy includes fun ideas like D.I.Y. and crafts, recipes, and more. This is one of the best frugal living blogs for those looking to save money at home.

12. Rich and Regular

Julien and Kiersten talk about money and relationships. They tackle everything from saving to FI/RE to budgets. Their motto is "inspiring better conversations about money," and they strive to help others with their financial progress on their blog Rich And Regular.

13.Budgets are Sexy

Started by J. Money and continued by "5 am Joel", this blog gets super detailed about money principles. The writers talk about why saving money matters and how to do so using their tips in your everyday life. You can also check out content from Budgets Are Sexy on the New York Times and Forbes.

14. Get Rich Slowly

J.D. Roth speaks from experience in his blog Get Rich Slowly. He cares about helping others save money and overcome obstacles to financial freedom.

He's the author of the book, The Money Boss Manifesto and writes articles about how to track your money better, use it wisely, and be frugal.

15. From Frugal to Free

From the perspective of writers Kathryn and Shay, From Frugal To Free is like a guidebook for frugal living.

They advise on making extra money from side hustles, as well as saving. They also offer resources like budgeting tools and other blogs to read that talk about finances.

16. Frugalwoods

They are also hybrid homesteaders, living on a 66-acre farm in addition to Nate working as a software engineer and Liz working as a writer. As a result, they also share content on farming, and frugal meals in addition to tips on how to achieve financial independence and more.

17. Queen of Free

Cherie is serious about paying off debt and loves to save money by getting things for free whenever she can. At her blog at Queen Of Free, she talks about budgeting mindfully by thinking ahead and being frugal with things like food and utilities. It is the best of frugal living blogs for those looking to reduce their spending each month.

18. 5 Dollar Dinners

19. My Frugal Adventures

Charlene's site My Frugal Adventures is unique because many articles are about sales and deals going on with different retailers.

The items she discusses are usually home items like furniture or clothing. She also talks about food, D.I.Y., and home ideas. When you're trying to find a good sale, check here first!

20. Thrifty Frugal Mom

On the blog, Thrifty Frugal Mom, blogger Lydia talks about frugal living while enjoying life. As a mom to 4 children, she shares tons of meal-planning tips and frugal recipes.

She's also an avid couponer and so she shares tons of deals and ideas on how to save more money while living well!

21. Jessi Fearon

Jessi Fearon shares money tips as someone who's completely debt-free - mortgage included. Her website has great ideas for people that are new to budgeting or need some help with spending less. She's got real-life experience to back up her writing, and it's great stuff!

22. Life and a Budget

23. Caroline Vencil

Caroline Vencil has an amazing story on this frugal blog. She advocates for living off one income while finding ways to save so that family is prioritized.

Her website features articles that show readers places in their budget where they could be wasting cash, as well as ebooks and classes. She understands how to live well even while not making a high salary, and she teaches people how to do the same.

24. Miss Many Pennies

Miss Many Pennies believes that a little goes a long way and shows people how earning and saving small amounts can add up over time. It is an excellent blog for parents, as the writing focuses a lot on the family. Find easy ways to make money, plus check out the website's Amazon Deal Finder tool.

25. Budget Travel

If you dream of faraway places but have limited cash, Budget Travel is the perfect place to start planning. After all, living life on the cheap doesn't mean never doing anything fun!

This website finds travel deals and advises about traveling near and far. They also have articles about staycations and other information relevant to 2021.

26. Budgeting Couple

Budgeting Couple gives advice that you can quickly put into action on this frugal blog. The budgeting couple's articles feature topics like money-saving app reviews, how to not be concerned about finances, and making it work on one income. The bottom line about this blog's advice: it's easy to follow, and it works.

27. His and Her Money

Talaat and Tai McNeely are all about marriage and finances. His And Her Money has tons of resources on their website, including videos, podcasts, and tons of informational articles.

They want couples to succeed with money and have fun in the process, making this one of the best frugal living blogs out there.

28. The Finance Bar

The Finance Bar offers a unique look at financial education. The creator of the website, Marsha Barnes, brings financial literacy to you with a renovated bus that comes to schools and communities and teaches about money.

The blog is full of real-world advice for people with questions about saving and spending. For people interested in learning even more, there's a members club you can join that offers access to a like-minded community and great teachings about money. The finance bar has been featured on Forbes, Black Enterprise, and more.

Check out these awesome blogs on frugal living!

If you want to live frugally but are unclear where to start, visit some of these frugal blogs. They prove that while saving money may be necessary, it can also be fun and leave us feeling accomplished and more in-charge of our finances.

Spending less can create massive improvements in our lives, from increased confidence with money to more contentment with our everyday life. We hope these 29 frugal living blogs inspire you!

The post The 28 Best Frugal Living Blogs appeared first on Clever Girl Finance.

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49 Fun Family Night Ideas On A Budget https://www.clevergirlfinance.com/family-night-ideas/ Sun, 24 Jan 2021 19:35:50 +0000 https://www.clevergirlfinance.com/?p=10528 […]

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family night ideas

Family nights are a great way to stay connected to your family. Luckily, there are dozens of ways to create a memorable night with the people that matter most. In this article, we'll explore my favorite family night ideas! But first, let's start with why family nights are so important.

Importance of having family nights

Before we dive in, I want to take a moment to highlight why having regular family nights is a good idea. In our constantly busy world, it can be difficult to stay connected to your family.

But family nights provide the right avenue to stay close to your family by connecting on a regular basis. They can also be a great budget-friendly treat for everyone.

The priority of any family night is to simply spend time with your family. But it can also present a great opportunity to pass along lessons that matter to your kids.

49 family night ideas on a budget

We have no shortage of budget-friendly family night ideas to share with you. As you peruse the options, pick a day of the week to have a regular family gathering.

When the time arrives, try to minimize the involvement of devices throughout the evening. If possible, make sure that all cell phones are safely out of sight.

You can certainly find family night ideas to enjoy together that fit into your family budget even if you are paying off debt or focused on your financial goals. The only rule to remember is that any family night should be full of fun.

1. Take a walk nearby

A walk around the neighborhood or in a nearby park can be a great activity. You can explore a new area as a family. Plus, enjoy a bit of exercise.

2. Make a family video

Everyone loves popping in old videos of family footage. But without taking the time to make those videos now, you won’t have that opportunity in the future. Take a night to create a fun family video that everyone helps to create.

3. Have a sock puppet play

Younger children could be easily entertained with a night of sock puppet plays. You could create the puppets and lay out a play together for the whole family to enjoy.

4. Create popsicle stick houses

Popsicle stick houses are a fun activity to try. With extremely affordable building material to be found, you can each create your own houses. Or work together to create a bigger stick home.

5. Build clay sculptures

Playdough and clay can lead to entertaining outcomes. You could even create contests for the most creative design.

6. Go tubing

Depending on where you live, going tubing can mean very different things. Whether you go snow tubing or water tubing, the whole family will enjoy the day out.

7. Try kiting

Flying a kite is a classic activity that very few have the chance to try. Although it is not expensive, many don’t take the time to give it a try. Save this one for a windy day!

8. Stargaze

Find a dark area and layout under the stars with the whole family. You might be surprised by what you find. Not sure which stars create a constellation? Bring along SkyView Lite as a free guide. It's a great home learning resource too!

9. Go for a bike ride

If you already have bikes, a bike ride is a very affordable family activity. Why not take everyone for a spin around the park?

10. Have a silly spray fight

A silly spray fight can be the best kind of fun. But you could go with water guns, or even shaving cream if you are feeling really adventurous. Make sure to take this one outside!

11. Plant a garden

Teaching your children how to garden can be a valuable life skill for them. Plus, they may learn to appreciate the value of food more as they understand how much work goes into growing a meal.

12. Have a dress-up fashion show

Let your kids be in charge of a dress-up fashion show. Whether you have costumes or clothes from another era, this can be a hilarious night.

13. Make slime

Making slime is actually a fairly easy process. And many kids absolutely love this activity. Plus you can involve them in the clean up too!

14. Find a drive-in movie

A drive-in movie can feel like a blast from the past that creates a fun memory for your kids.

15. Play laser tag

Laser tag can be an eventful and incredibly fun night out with your family. You can purchase your own laser tag set or visit an arcade space that offers it.

16. Start a puzzle

Although most puzzles take a relatively long time, starting a puzzle together can be a cozy way to spend time together.

17. Host a talent show

Are there any hidden talents in your family? Host a talent show for everyone to showcase their abilities.

18. Plan your next trip together

Part of the fun of going on a trip is mapping out what you want to do. Turn this into a family activity so that everyone can get excited about an upcoming trip.

19. Go to the library

A library is a wealth of free entertainment. Beyond books and movies that you can rent, many libraries also host different events that could be interesting for your family. Check out what yours has to offer.

20. Go on an overnight trip

An overnight trip to anywhere nearby can be a major event for your kids. Even if you are staying just up the road, it can be exciting to mix things up.

21. Pick fruit

Fruit picking can be a popular activity in certain seasons. Why not treat your kids to an afternoon of picking their favorite fruit? Determine where your local farms are that are open to the public and make it a date!

22. Watch a game

Although tickets to a professional game can be expensive, watching a game together can be enjoyable. Look at local college games for potentially more affordable options.

23. Volunteer together

Volunteering can build a spirit of community involvement among your family. Find a charity to volunteer for that you can all support.

24. Bake cookies

Baking can be a tasty treat. Experimenting with the decorations can add another layer of fun to the evening. YouTube has a ton of easy-to-follow baking channels for kids.

25. Eat dinner out

A classic family night idea is eating dinner out together. If you’d prefer to minimize the costs, try taking your family out for just dessert.

26. Plan a scavenger hunt

Scavenger hunts can be a good way to encourage teamwork among your family. Seek out local scavenger hunt clues to create a mysterious evening.

27. Go bowling

Bowling can be a classic way to spend the night. Plus it's a ton of fun as a group.

28. Go fishing

Depending on your interests, fishing can be a fun way to spend the afternoon. Plus, you might catch dinner for the whole family!

29. Go skating

A night at the local skating rink could make you feel nostalgic. But your kids will love it.

30. Do a $10 shopping challenge

Head to your favorite store with $10 for each family member. The person who finds the best item under $10 wins!

31. Make a time capsule

A time capsule can be an amazing find in the future. Why not make one with your family for your future selves?

32. Have a game night

Game night is the perfect family night idea. You can stick to fun games like Charades or try a financial themed board game to help your kids learn more about money while having fun. Check out our list of fun at home challenges.

33. Craft night

Crafting can be an affordable way to get creative and learn new skills. Try something new as a family!

34. Build a fort

A fort-building night can fuel your child’s imagination while laughing together all night.

35. Have a movie night

A movie night is a relaxing option. There are tons of options on the various streaming services, you are bound to find a movie or ten that your family will enjoy!

36. Build a lego empire

Gather all of the legos in the house and build an empire of legos together.

37. Paint kindness rocks

Kindness rocks are small rocks with encouraging messages that you can place around town. Painting the rocks and hiding the rocks for someone to find can instill a positive lesson.

38. Have a dance party

Dance the night away with a rotation of everyone’s favorite songs! Plus you'll get some good exercise while you are at it too!

39. Go on a nature walk

Learning about the world around us as a family is always a great option. Look for local nature walks with guides to help you learn more.

40. Take a cooking class

Cooking is an important life skill. Taking a class as a family can make the process of cooking feel more fun.

41. Go camping in the backyard

A night of backyard camping can be the perfect affordable getaway you’ve been waiting for. Simply leave your devices inside for a relaxing evening.

42. Make pizza

Everyone loves pizza! Building out everyone’s favorite pizza can be a tasty evening.

43. Make chalk art in the driveway

With one bucket of chalk, you can draw all night long. Everyone can have their own drawing zone or you can make a joint masterpiece!

44. Look through old family albums

Sharing old family stories and looking through albums of pictures can help everyone enjoy the moments we have together. This can be one of the best family night ideas!

45. Have a theme night

Theme nights are never a bad idea. Whether you go with superheroes or princesses, this can make for an adorable evening.

46. Play card games

What card games do you know? Don’t be afraid to learn a new one as a family. Here's a list of twelve classic card games that kids will love as well.

47. Interview each other

Have any important questions to ask? Create a mock interview scenario. With this, your kids can ask you anything.

48. Museum night

Many museums offer affordable nights of the week for families with unique events. Check out what is available in your area.

49. Have a family barbeque

Dust off the grill and have a family barbeque for some quality time and fun. Add in some outdoor games and make even a hot dog eating competition and watch the laughs commence!

Try out these fun family night ideas on a budget!

Family night can be fun and frugal. As you explore these family night ideas, remember the most important part is to enjoy the time together. Looking for some fun date night ideas? We've got you covered too!

The post 49 Fun Family Night Ideas On A Budget appeared first on Clever Girl Finance.

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