Frugality Magazine - Frugal Living Tips for Financial Freedom

Category - How To Manage Your Money Better

Despite all your best efforts are you struggling to achieve your financial goals? Read all the books and subscribed to all the personal finance blogs but still not building wealth effectively? This could be the answer...

Is Financial Perfectionism Harming Your Results?

If you’re an avid reader of personal finance blogs then you’ve no doubt stumbled across some incredible success stories. For example consider how Mr Money Mustache managed to retire in his early 30s. You compare that to your own personal...

It's fair to say that schools don't teach us enough about how to look after our money; how to earn more, how to budget and how to prepare to the future. We need to learn our own lessons about money. Here are the biggest things I've discovered over the years...

The 6 Biggest Lessons I’ve Learned About Money

I recently blogged about my financial journey so far – the good, the bad and the ugly. I’ve had serious financial problems, drowning in debt and struggling to pay even everyday bills, and I’ve had other periods where I’ve...

Saving money is hard - that's no secret. But there are some VERY good reasons why you should make TODAY the day you finally start regularly saving. Don't believe me? Read on for the financial motivation you need...

6 Reasons You Need To Start Saving Money Today

So you’re just days away from getting paid… You check your bank balance and just sitting there – waiting to be enjoyed – is an extra $100 you weren’t expecting. What to do? If you’re like most people that $100...

Earning money is only part of the battle: you also have to learn how to protect yourself financially from life's little surprises. If you want to sleep better at night, knowing you're protected from all eventualities, here are some tips to get you started.

3 Essential Steps to Protecting Your Finances

John threw back his head, letting out one of those belly-laughs he was so famous for. The lights of the nearby Christmas tree glistened in his eyes, slowly turning from red, to green, to blue. It was cold and dark outside. The birch tree outside the...

Saving money doesn't have to be difficult - or slow. Here are a collection of ways that you can start saving money almost immediately - and get your budget back on track as soon as possible.

6 Insanely Easy Ways To Save $100 This Week

There are loads of ways to save money, but the reality is that most of them take time to arrange, and impacts can be slow to be felt. What if you need extra money NOW – like this week? What legitimate strategies can almost instantly provide...

One of the hardest things about saving money is that everyday life tempts us to spend in order to enjoy and entertain ourselves. Fortunately there are some solutions: here are some great ones to consider...

How to Keep Yourself Busy Without Spending Money

Imagine for a moment that all the money that flows through your life is a raging river. Most people make the very most of it, spending every last penny and enjoying life to the maximum. They’re the people in the inflatable raft, thundering...

Want to quit the rat race, retire early and never have to worry about money again? It *is* possible, but only when you know how. Find out how applying sound frugality principles to your budget can massively speed up the time it takes you to retire.

How to Retire Early Thanks to Frugality

Historically, the idea of retirement has been an odd one. It’s a date that’s set in stone, depending on your employer and the country you live in. It’s the date at which you can finally start drawing that pension, enjoying your...

Why you shouldn't get too relaxed with your finances. If everything is going well don't assume it always will - here's how (and why) to plan for the future no matter how rosy life looks now.

Make Hay While The Sun Shines

When life is good it’s easy to relax our financial controls a little. When you’re living in a house you like, in a nice area and working a steady job you enjoy it can be tempting to enjoy your money a little more than usual. Why not upgrade that...

When you're trying to manage your money it's tempting to ignore an emergency fund and aim to use your credit card in case of emergency. Here's why that might not be the best financial decision for your life.

Why Credit Cards Aren’t an Emergency Fund

I dearly love my emergency fund. However there’s one recurring argument against having an emergency fund that keeps on cropping up… Whenever I’m singing the praises of building an emergency there always seems to be someone who tells me they...

Trying to budget, but finding that there's always something that ruins your plans? It might just be your irregular expenses which are causing problems. Here's exactly how to control these expenses and make your budget work.

How to Budget For Irregular Expenses

Many of our expenses are predictable and reliable. Speaking of my own budget I pay my rent monthly, my utilities monthly and my cell phone bill monthly. I also get paid monthly and have a pretty good handle on how much I spend each month on...

Living below your means needn't be painful or uncomfortable. Indeed, as soon as you manage to live below your means you can then start saving money for the future and creating the life you really want. Not sure how? Then read on for some killer personal finance tips to help you spend less than you earn...

Living Below Your Means: The Complete Beginners Guide

Living below your means is essentially the foundation on which financial freedom is built. For example once you learn how to live within (or below) your means you can immediately forget about getting into debt, you can start paying off any existing...

How to simplify your finances. All too often the people who struggle to save money and stick to a budget are the same people whose finances are in disarray. This guide talks you through a simple process to make managing and understanding your money as easy as possible.

4 Ways To Simplify Your Finances

One of the reasons why so many people struggle to manage their finances is simply that they make it more difficult than it needs to be. Just consider what many people have to contend with… Numerous bank accounts – one or more current...