Frugality Magazine - Frugal Living Tips for Financial Freedom

50+ Tips for Getting Out of Debt Fast

Sometimes trying to get out of debt can feel like swimming through treacle. No matter how hard you try, your progress can be frustratingly slow. Surely there has to be a better way? Today we’re going to look...

Financial Transformation: From Overwhelming Debt to Buying My First House

I started this blog in the summer of 2013, when I was up to my eyeballs in debt. At the time I wasn’t just struggling to keep up with my minimum payments – I was actually failing. I had gotten to the...

How to Get Everything Wrong and Still Succeed Financially

Do you ever look jealously at other people’s finances? Have you seen those annoyingly impressive interviews with people who retired at the age of 40, only to find out later that they earned a six figure salary...

Frugality - The Secret to Financial Freedom

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Hi there! My name is Richard Adams. I'm a UK-based personal finance blogger and lover of all things frugal.

Just a few short years ago I was drowning in debt and struggling to make ends meet.

Since then I've paid off all my consumer debt, increased my income and have revolutionized my finances - all thanks to frugal living.

If you want to take control of your finances, let me show you exactly how I did it...


Frugality Changed My Life...

How to save money

The idea of spending less than you earn never held any appeal when I was younger. You only live once, right? And yet, at the same time I had to admit that my finances were in a pretty poor shape. I was in debt, struggling to meet my minimum payments and really not having much fun.

Eventually I had to accept the simple truth; what I was doing wasn't working. It was time to try something new, which is when my experiments with frugality began. At first, it wasn't comfortable. But as I watched my debt dropping every month I found frugal living ever easier.

Today, while my debt is gone, I still live a very frugal lifestyle, saving money where possible and always aiming for the best possible value.

Frugality Magazine is really my way of sharing this with you.

It's a collection of the thoughts and experiences, resources and philosophies that I have picked up along the way. I hope they will both provide you both with the motivation and the tools to achieve financial freedom - whatever that looks like to you.

Read on for all the latest articles on saving money, paying off debt and finally gaining control over your money...

Latest Frugality Tips

10 Great Ways to Save Money on Pet Care

Owning a pet doesn’t just bring with it responsibilities; it also brings extra cost. For those of us living on a budget that can be a real strain, yet many passionate pet keepers would rather go without food themselves than deny their pets the best...

The downsides of frugality. To many people spending less and living on a budget is a great idea - but not always. Here we discuss the honest truth about the downsides of a frugal lifestyle.

The Downsides of Frugality & Saving Money

Less than ten minutes ago I was sat in my garden, bathing in the late September sunshine, admiring the zinnias and cosmos that are still in full flower. The phone in my pocket pinged, alerting me to the fact that a good friend of mine had just...

How to Save Money on Glasses

I’ve been wearing glasses since I was ten years old. During that time I’ve become ever more uncomfortable with just how expensive glasses have become. As a fan of frugal living, therefore, over the years I’ve tested out all sorts of ways to save...

How to Use Twitter to Save Money

There’s little that I like more than quick, effective ways to save money. Well, except perhaps figuring out new ways to save money that I hadn’t previously considered. As a complete nerd when it comes to technology I recently found myself...

How to Save Money on Dog Food

Owning a dog can be expensive. One of the most obvious ways to save money is on reducing your pet food bills. But how can you do that? Fortunately, as someone who spent several years working in the pet industry I’m ideally placed to share some...

How to Protect Your Rental Deposit

One of the most painful parts of renting a property is the security deposit that most landlords expect. In the UK, at least, that tends to equate to around 1.5 months of rent – in addition to your first month’s rent. That means that you’ll...

10 Ways an Eco Friendly Lifestyle Can Save You Money

Environmentally-friendly ways of living can often seem expensive and inconvenient. Investing in solar panels, electric cars and treble-glazing might pay off eventually, but they’re hardly solutions that the more frugal among us can consider. But...

How to Save Money Instead of Spending It

If saving money was easy, everyone would be doing it. The reality, as we know, is that most people spend just as much money as they earn – sometimes more. If you’re wondering how to save money instead of spending it then take heed –...

How to Save Money When Taking Your Car to France

Taking your car to France offers the ultimate in practicality and comfort, allowing you to get around this huge country and see as many of the sites as possible. However, taking your car to France isn’t always a cheap proposition. After a month in...

How to Save Money Without Trying

It’s no secret that hardcore savers invest a lot of time and energy into saving money. But are there ways that anyone can save money without even trying? As it turns out there are. Just a few minutes invested in the next few days can quickly set you...

How to Save Money on a Low Income

Living on a low income can be tough at the best of times, but trying to save money alongside can be nearly impossible. Nearly, but not quite. In today’s blog post we’re going to look at some ways that anyone can manage to save money for the future...

Saving Money for Travel

Regular readers will know that my girlfriend and I recently moved to France for four months of sun, relaxation and culture. That’s right – we’re not talking the odd week here or there – but long term, enriching travel that we’ll talk...

How to Save Money for a House

Fewer and fewer of are buying houses these days due to the extreme costs involved. But, I’m here to tell you that home ownership is within your grasp if you’re willing to follow some simple steps… Remember that the more money you have to offer...

How to Save Money on Gift Cards

When you’ve finished reading this article you’ll never again pay full price for gift cards. Why? The answer is that it’s so simple to save money on gift cards that when you know what you’re doing you’d have to be mad to...

How to Reboot Your Finances Once and For All

Ten years. That’s how long I carried around my debt with me after leaving university. Indeed, for the first few years after graduation the pile actually got considerably bigger – not smaller. This was not through want of trying…...

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