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Ten Frugal Tips For Simple Living

Updated on July 27, 2016

Say Hello To Living Simple

There are some who will read the title of this article and read no further. They simply are not interested in living frugally and to them I say, “more power to you.” I understand that this is not for everyone. I understand that lifestyles are learned behavior, and that there are those out there who are quite comfortable and have no desire to learn a new behavior that will take them out of their comfort zone.

I also understand that those in the top 1% certainly have no desire to live frugally. Wealth, and all that it can purchase, is intoxicating, and asking someone like Bill Gates to downsize his mansion is a fool’s mission.

However, there are millions upon millions of people (the lower 99%) who can benefit from these suggestions, and could definitely benefit from living simple. Frugal living does not have to be about living in misery. It is entirely possible to live happily with fewer possessions. This author has been doing it now for six years, and in reality most of my life has been about frugal living. I was raised by parents who grew up during the Great Depression, and the lessons they learned were naturally passed down to me. For that I am grateful!

Of course they wanted the best for their son, and of course they wanted me to have a better life than they had; however, they did not define “better” as having more money. Their primary concern was that I learn to be happy in life, and that I grow up with a set of principles that would carry me through the trials and tribulations that would most certainly arise as I traveled my path.

So here I am now, a happy and contented man, who does not need the trappings of life to validate my self-worth. I have found happiness without an abundance of possessions and I am embracing a frugal lifestyle. You can too!

Where our money goes
Where our money goes | Source

Why Go Frugal?

This is a valid question, especially in today’s world where everything seemingly revolves around possessions. For my way of thinking, there are four main reasons to adopt this lifestyle:

1. Frugality allows you to spend less than you earn

2. Frugality means you can earn less because you spend less

3. Frugality allows you time to enjoy life and appreciate those things that have no price tag.

4. Frugality simplifies life; it de-clutters your physical world and thus de-clutters your emotional world.

A man is rich in proportion to the number of things he can afford to let alone.” Henry David Thoreau

What follows are ten tips to help you achieve what I believe to be a wonderfully simple lifestyle.

Live in a Smaller House

This is the difference between what you want and what you need. If you were to seriously de-clutter and get rid of unneeded items, you would be amazed with how little room you need to live. I have lived comfortably in 500 square feet. When I was a single parent we lived in a home with 1000 square feet.

Living in a smaller home means less furniture, less house payment, less property taxes, less utilities and less upkeep. Do you really need all of that space, or do you just want it?

Buy Used First

Obviously, used costs less, unless, of course, we are talking about antiques or collectibles. When I needed a new printer for my freelance writing business, I put out the word among my friends. Turned out one of my friends had an extra one and he just gave it to me for cost.

If you aren’t lucky enough to have such friends, check craigslist.org or go to garage sales or thrift shops. About the only thing I won’t buy used is underwear. Even I have my limits regarding frugality.

Eat out Less

Yes, this is a sacrilege to a fast food society, but stop and think about the nickels and dimes spent during a year on those quick trips to McDonalds or Starbucks. The average American spends close to $3000 per year eating out.

This writer grew up on fast food. I love a juicy burger and some greasy fries, and I love the fact that I can have it all for $5 and I don’t have to cook. However, if I do that twice a week, I have wasted $520 on just fast food. I also loved having a mocha each morning. Four dollars per day times 365 days….$1460 per year. I now have two mochas per week; still an extravagance but one I feel I deserve for working hard for forty-five years.

Life looks like this without money worries
Life looks like this without money worries | Source

Eliminate Half Your Wardrobe and Replace As Needed with Used Clothes

This step helps de-clutter the house and greatly reduces shopping costs in the future. How many pairs of shoes do you own? The average American woman owns 19 pairs of shoes; over 15% own more than 30 pairs. Please! Why does someone need that many shoes? Take half of them to a charity drop-off and do not replace them. If you want incentive, it is tax deductible. A win-win situation if ever there was one.

Over half of your clothes are only worn once a year! Get rid of them! Give to charity, save more on taxes, and if you have to replace any, go to a secondhand store to do so. The last coat I bought was a North Face heavy fleece and I bought it at Goodwill for $7. Get rid of the status-symbol thinking and start thinking frugally.

Some Words By Yours Truly

Stop Impulse Buying

We all do it! We walk through a shopping mall and something catches our eye, and so we buy it. We had no intention of buying it when we entered the mall, but some inner urge triggered our shopping impulse and now we own it. Kiosks at the shopping malls thrive on impulse buying, and we Americans feed the economy on a regular basis because we can’t seem to curb this unintentional buying habit.

Shopping online is every bit as dangerous to the pocketbook. Ebay, Amazon, craigslist, they are all there to lure us out of our good intentions and into further debt. And we fall for it time and time again. If you want to save some big bucks, stop impulse buying.

Buy in Bulk

I have to tell you, I hate Costco, the warehouse giant. I get around all of those people and I start breaking out in hives. Not really, but you get the point. However, the deals there are incredible, and I’m all about saving money. If I have to buy fifty rolls of toilet paper to save fifty cents a roll, then I’m doing it. It’s not like I won’t use it, right?

One added bonus to shopping at Costco or other large, bulk stores: if you get there at the right time of day, they are giving out free samples. You can literally save money on lunch by eating for free while saving money on necessity items. How cool is that?

Living Simple
Living Simple | Source

Get Rid of Your Television

I’m sorry, but television is unnecessary! Save on the expense of cable and save about nine years, on average, of your life. Plus, watching less tv means you will be more active, which means better health, which means fewer trips to the expensive doctor.

I know, it seems unimaginable, but it is possible to be happy without television. This writer has not owned one for six years. Time saved is used to read, to visit with loved ones, to go for walks, and in general just to enjoy life. Money saved on cable is money I don’t have to earn in the future.

Go to the Library

This is coming from an author. Books are expensive! Owning books is unnecessary. Join your local library and get unlimited books for free. That is one sweet deal that keeps on giving.

Better yet, take all of your old books and sell them online or have a garage sale. Now we’re talking! Clean out your house, take all your old CD’s and DVD’s…and books, and make some extra cash. Now you have a savings account for emergencies, or a vacation, or whatever. Do you see how this frugal lifestyle thing works?

Walk More Often

What does gasoline cost nowadays? $4 per gallon? It fluctuates for sure, but one thing that is certain is it won’t be dropping down to the $2.50 per gallon level we all dream of. Those days are long gone. Start walking more. If possible, for that trip to the grocery store for a loaf of bread, walk it!

If you live somewhere that makes it impossible to walk to the store, then make sure you coordinate your errands so that you only make one trip. It’s amazing how much gas is wasted each week on needless trips. Start charting your car trips and then plan a way that saves on gas. The added bonus is that you are saving on wear and tear to your vehicle.

Drink More Water

Yes, drink more water! You are already paying for it; you might as well drink it! Stop buying soda and flavored waters at the grocery store. Do you want some flavor with that water? Grow your own peppermint or spearmint and put a sprig in your water.

Remember, what do you need vs what do you want? That’s the question any frugal person will ask every time. You do not need soda; you do, however, need water. Pretty simple really!

Take a minute to participate in this poll please

Can you see yourself living frugally?

See results

More to Come

Oh, there is so much more, but that’s all we have time for in this installment. Never fear, we will have ten more tips for you next week. I’m loaded with them and I want to share with all of you. It is my hope that once you start on this road you will begin to see the benefits of this frugal way of thinking, and then you will embrace it as I have.

Repeat after me: Less is more!

Or, as Henry David would say: “Our life is frittered away by detail. Simplify, simplify.

2012 William D. Holland (aka billybuc)

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    • profile image

      Sunnie Day 4 years ago

      Billy, This was an excellent hub that I can totally relate too..Great advice on all counts. I retired last year and frugality became a household word for us. We learned to live on one income, something I thought was impossible. We sold our big house and moved into a tiny house. Sold tons of stuff that we did not need. Our utilities were cut in half. We had three cars. I sold my nice one but kept the old fishing truck that runs great, we have a little car that is great on gas. Being frugal is a smart move but your are right it does not mean you have to give up things, you just learn to do it differently. Enjoy life on less and forget getting caught up in the worlds materialistic thinking. Thank you again.

    • Janine Huldie profile image

      Janine Huldie 4 years ago from New York, New York

      Bill, I have to tell you I am right there with you on most of this and have truly embraced simpler living, because living on one salary (my husband's) has made us more conscious of what we spend and where. And I have to tell your 10 tips are right on the money and how I have been able to afford to the 4 of us live on one salary. Thanks for sharing these tips and of course have voted up, shared and tweeted too!!

    • Natashalh profile image

      Natasha 4 years ago from Hawaii

      Love it! This will be a fantastic link to the hub you inspired me to write about cutting back and living simply. I think a lot of your suggestions are kinder than mine, though. I'm straight up in favor of getting rid or basically everything! I love that you included ditching you TV - you know that's something I advocate. Great hub! Voting up, awesome, useful, and interesting.

    • zsobig profile image

      Sophie 4 years ago from United Kingdom

      Great thoughts on this topic, I enjoy reading your articles very much.

      Although I am already trying to be somewhat frugal, you are always able to give me new tips and I love this!

      Thank you for writing these hubs and please keep on the good work!

      Voted up + interesting + shared!

    • Jools99 profile image

      Jools99 4 years ago from North-East UK

      Bill, another wonderful hub to add to my bookmarks! I am all for living more frugally now that I have given up my job. I am growing my own vegetables for the first time this year and have done well with that - the seeds only cosy about $1 a packet and the compost was pretty cheap so all in all, I'm pleased. Charity shops are my new boutiques. I also made my own wine (from a recipe on HP) and it was decent enough. All in all, I feel like being more frugal is like a fun project for us from now on and your advice is helping with that :o)

    • WritingPrompts profile image

      Karen 4 years ago from The Garden of Eugene (Oregon)

      Even when frugality is an option (and not a result of unemployment or some other personal disaster) I've found that living simply is the key to greater happiness and satisfaction with life. It's less stressful and somehow getting rid of the clutter gives you time to enjoy the things that matter.

    • poojasd7 profile image

      poojasd7 4 years ago from India

      Living frugally is such an important lesson in life. When we live frugally, things are organized in a better way and we will value the things which really are important and necessary.

      Drinking water frequently, is good. What is even better is: drinking 4 glasses of water immediately after waking up in the morning. It balances the enzymes and hormones of the body. It eliminates the toxic elements from the body.

      Eating in moderate is also crucial thing to be followed. In some religions, donating a part of your share of meal is considered to be a noble deed. Apart from its religious cause, it helps you to consume moderate amount of food and you will prevent that extra fat from getting stored in your body.

      A great piece of writing on simple and frugal living. Waiting for more...

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      Wow Sunnie! Hooray for you! Have you written a hub about your experiences in downsizing? I think that is wonderful; a person after my own heart. :)

      Thank you for that share!

      bill

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      Janine, sometimes necessity is the mother of invention. You have invented a new lifestyle because of the one income, and found out, in the process, that you can be very happy with less. Great comment my dear, and you have no idea how much I appreciate you. Thank you and have a great weekend.

      bill

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      Natasha, I don't miss tv at all, even though most of society thinks that is a sacrilege. I'll have many more tips, not so kind, but when one is trying to motivate people to change, you always start out easy...otherwise you lose your audience before you had a chance to hold onto them.

      Thank you my wise, young friend.

      bill

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      zsobig, thank you my friend; I need to visit your site and see what you are up to.

      Have a wonderful weekend and know that I appreciate you.

      bill

    • RealHousewife profile image

      Kelly Umphenour 4 years ago from St. Louis, MO

      Hey GM Bill - I do think living frugally is smart! I'm down with everything except the "who needs more than 15 pairs of shoes?". ME! I really do Bill! Can I keep them all? Hahaha

      Up and everything except that show blemish:) haha

    • RealHousewife profile image

      Kelly Umphenour 4 years ago from St. Louis, MO

      Hey GM Bill - I do think living frugally is smart! I'm down with everything except the "who needs more than 15 pairs of shoes?". ME! I really do Bill! Can I keep them all? Hahaha

      Up and everything except that shoe blemish:) haha

    • billybuc profile image
      Author

      Bill Holland 4 years ago from Olympia, WA

      Julie, exactly....it can be a fun project....there is no reason why it has to be miserable. I have never been happier than over the past six years. Thank you my friend; keep making that wine and growing that produce, and have a great weekend.

      bill

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      Writing, you are absolutely correct. Having less is liberating. I don't do yardwork....no reason to since I don't water I don't have to cut the grass....we grow our own produce....shop at thrift shops.....and have so much time to enjoy life.

      Thank you my friend and enjoy your weekend.

      bill

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      Pooja, you are absolutely correct, and I will write about many of those things as time move forward.....thank you for your great additions in the comment. Have a wonderful Sunday and thank you.

      bill

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      Kelly....GM???? You have to fill me in on that one, and I hope it's good! :) Now Kelly, fifteen pairs of shoes???? Okay, if you promise to make an effort in another area you can keep your damn shoes. LOL

      Thanks buddy! Have a great weekend!

      bill

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      Deja vu Kelly!

    • shruti sheshadri profile image

      shruti sheshadri 4 years ago from Bangalore, India

      i agree with your views Bill, This is the right way of life..... All of us are always behind materialistic items that we tend to forget to enjoy the real pleasures in our lives. It does make a huge difference.

      Great hub as usual. I particularly like the way you align your content. Makes it enjoyable to read , voted up :)

    • Faith Reaper profile image

      Faith Reaper 4 years ago from southern USA

      Excellent, excellent hub!!! Very insightful and full of simple ideas we can do to live that great simple life, and I believe many will and are taking this approach to life now because they really have no other choice due to the economy, etc. So, this hub is perfect timing for the time we are living in the right here and now. Living a simply life is such a freeing experience, as you just get down to what you really need and then you are able to focus on what is important in this life. At least twice a year I "clean out" and if there are clothes or items I have not used in a year, I donate them, and then great the taxbreak. It is a win, win situation for all. Less clutter in your life actually helps you to have a calm and inviting living space in your home. I know one time a hurricane came through and knocked our power out for almost a week, and so, no tv, and that was actually the best time for my family, as we actually talked to each other and played board games and read more books! Thank you for the great tips shared here. Plus we know we cannot take it with us when we die!!! This also frees one up to have a little extra money to serve in ministries are to give more to charity. God bless. In His Love, Faith Reaper

    • midget38 profile image

      Michelle Liew 4 years ago from Singapore

      Bill, there are many who simply live beyond their means and this should teach them a few lessons! I think, rich or poor, we should bear the advice in mind because the richer you are, the more you spend beyond your means. You're right though..there will be those who can never live simply!! Thanks for the insights!

    • Alecia Murphy profile image

      Alecia Murphy 4 years ago from Wilmington, North Carolina

      I agree with many of your points- especially eating out less and drinking water. You're right- we all deserve a treat but I used to work with some people who would only buy their lunch instead of packing it. I've been taking my lunch for the most part with the exception of college since I was in Kindergarten and I can imagine how much that has saved me.

      And for me the library is my free entertainment friend- I've gotten some great material and hub inspiration for little of nothing. The only books I buy are ones I know I'll use continually like cookbooks or one's that I want to collect or somehow can't find at the library. Genius hub!

    • carol7777 profile image

      carol stanley 4 years ago from Arizona

      There are some great tips here...however we have two people living here with different ideas..just TV thing. I could live without it. We did just buy a lovely used car as the repairs for the old car had reached a high amount and still have problems. I do support my hobbies such as painting and reading. But I check for bargain books. We spend too much on food but almost never go out. This hub really got me thinking and maybe feeling a little guilty..because I know our needs are often really just wants. Great Hub..and Voted UP

    • billybuc profile image
      Author

      Bill Holland 4 years ago from Olympia, WA

      Shruti, thank you once again! I am into this movement big time. Materialism is a form of greed and greed is at the root of so many social problems. I'm trying to move many away from that sort of thinking.

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      Faith, thank you so much! It is a freeing experience and I do believe more and more are moving in this direction. Some out of necessity but others just because they see the wisdom in doing so.

      I appreciate you very much! Peace and blessings to you today and always.

      bill

    • billybuc profile image
      Author

      Bill Holland 4 years ago from Olympia, WA

      Thank you Michelle! Yes, there are some who will never adopt this lifestyle, but there are many who already see the wisdom of it and that is encouraging.

    • tipstoretireearly profile image

      tipstoretireearly 4 years ago from New York

      Great tips! The beauty of living in a smaller house is you save money in so many ways that don't adversely impact your quality of life. Heating and cooling bills are less. Maintenance costs are less. Property tax bills are less. Furniture costs are less. Most people only make much use of a few rooms anyway. Why pay for rooms that sit empty most of the time? And why take extra time and effort to clean and maintain them?

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      Thank you Alecia! I can't remember the last time I went out for lunch. I have always packed my lunch when I had a job. It just makes sense financially and I don't need a grand lunch at a restaurant. Silly thinking to me!

      Have a wonderful weekend my friend.

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      Carol, we all start little and move up from there. No guilt necessary....life is a learning process and as long as we are learning we are growing.

      Thank you for your honesty; it is refreshing for sure.

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      Tips, exactly the point! You obviously understand completely! Good to read someone who understands the bigger picture. Thanks for a great comment.

    • bac2basics profile image

      Anne 4 years ago from Spain

      Hi Billy. One of my first hubs was about living within your means. I too was born in the mid fifties, but in the UK not America. We naturally learned from our parents how to make do and mend, so it may be easier for people from " our generation" to be more carful about buying what we need not what just happens to take our fancy..where we went wrong was not passing this on to our kids, well some of us anyway. I tried with mine but it doesn´t seem to have sunk in...what´s necessary and what's not ..we wanted them to have more and better, but ended up doing them a great disservice instead. Great hub Billy , and I´m right behind you on this way of living. Voted up etc.

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      bac2basics, you make a great point! I, too, tried to raise my son with an appreciation for quality living vs materialistic living, but somehow the lesson got jumbled. He will have to learn on his own now; at 28 it is time for him to experience the good and bad of life and figure it all out as I had to.

      Thanks for the great comment and reflection.

      bill

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      Rich 4 years ago from Kentucky

      Bill -

      Another great hub. I guess I can throw away those long johns I was saving for you. Hell, I'd only worn them ten or fifteen winters. They still had some life left in them!

      One thing I did years ago was to take a small pad with me. Every time I bought something, I wrote it down as date/item/amount. I first tallied it up by day, then week, and finally month. It is truly amazing what we waste money on. It kind of slaps you in the face when you actually see the figures.

      As I said, another great one, my friend. Enjoy your weekend!

    • billybuc profile image
      Author

      Bill Holland 4 years ago from Olympia, WA

      Rich, I did the same thing a couple years ago; it was an eye-opener for sure. It is mind-blowing how much money we waste.

      Thanks buddy, for thinking about me with those long johns. LOL

      Have a great Saturday in Kentucky!

      bill

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      Rachel Koski 4 years ago from Minnesota

      Voted up, useful, awesome, beautiful! You're so right about everything here, Bill. I haven't had TV in my home for three years now, and I swear I will never pay for cable again. I'm so glad I figured that out when I was 22! The other benefit to getting rid of TV besides the ones you've mentioned is that you de-clutter your brain. All that advertising and reality TV nonesense is bad for you, I know it. Wonderful, wise advice, as always! :)

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      Rachel, reality tv....don't even get me started....whose reality is that? Nobody I know...they should call it Fantasy TV, because that's what it is!

      You are way too young to be so wise. :)

      Thank you and have a great Saturday in PA

    • Mama Kim 8 profile image

      Sasha Kim 4 years ago

      Wow, I can't believe the average is $3000 for eating out each year! My husband and I average only $4oo a year. I guess I enjoy cooking more than most ^_^ I really liked the financial chart - although I had a hard time reading it. Do you really live with only library books?? I don't know if I could get rid of mine... My books and video games are off limits.. but I'm on board with everything else! ^_^ Wonderful hub! Voting up, shared and pinned.

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      Linda Crist 4 years ago from Central Virginia

      Sir, you are killing me. Every time you write another incredible hub, my wheels start spining and I want to write another myself. This one is jam packed with the "stuff" I am only beginning to do. You even provided the tools for measuring the outcome. My gosh you're an awesome writer. I bow to you sir. lol

    • billybuc profile image
      Author

      Bill Holland 4 years ago from Olympia, WA

      Sasha, we all have our limits. LOL....I love that you won't get rid of your books! That's what I call having your priorities set correctly! :) Thank you young lady; have a great weekend in Eugene!

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      Irc, thank you so much! No bowing necessary; I love your writing and you invoke memories that inspire me as well. Have a wonderful weekend!

    • fpherj48 profile image

      Paula 4 years ago from Beautiful Upstate New York

      Well, bill....I'm sure I've made it clear more than once that I am definitely "into" this frugal living...the simplifying aspect in particular. The truth for me is that I would be in favor even if I did not help to make up that 99%. I know we're not focusing here on the privileged 1%....but I've always had a strong urge to ask them a question or two.....such as,

      Would you be kind enough to tell me, precisely how many homes, cars, vacations and other luxuries do you consider to be "ENOUGH?"

      I can't even imagine what some of the answers to that would be......and I think most of the responses would only serve to give me a tension headache.

      Yes....here I am, going strong in the war on excess.....and the mission to downsize, organize and live SIMPLY. If only everyone could understand the satisfaction and liberation this brings.... BUENO, mi amigo!! UP++

    • TravelAbout profile image

      Katheryn 4 years ago from United States

      Bill

      I agree with everything. We pay an outrageous amount for Comcast/Xfinity tv. I want to let it go because I feel they hold you hostage and can charge whatever they want. Also, I have not watched more than two network shows in quite a few years. I like Idol...to see the kids and the talent and I like several cable shows like Discovery. I also think that tv for kids holds almost no value and may even be destructive. Unfortunately, hubby does not agree so we keep paying? As most of us already know, we can't buy our happiness..no matter how much, big, expensive, glittery the possessions. We are now living in a new era in which we will have no choice but to learn to "like" living with less :) voted up

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      Audrey Hunt 4 years ago from Nashville Tn.

      Bill - My name is Audrey Frugal Hunt - need I say more? The older I get, the more I realize that I don't need much. We all have too much. More than we need. Simplicity is way less stressful. I like all of your tips. And for this hubber - Less is really more! Up and more!

    • Happyboomernurse profile image

      Gail Sobotkin 4 years ago from South Carolina

      Great article. I already follow many of the suggestions you made here, but not all of them.

      The one I would like to follow but don't is to get totally rid of our TV's. Yes, there is an 's' on the end because we have a set in the dining room, living room, bedroom and "office" room and if hubby had his way completely, there'd also be one in the bathroom!

      The value of the combined TV's however, is less than one big screen would be as the sets are all old and small.

      I can easily imagine living with no TV, but any suggestions to get rid of my computer would meet with great resistance! LOL

      Hub Hugs,

      Gail

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      Earthy Mother 4 years ago from South East England

      Love this hub! Everything I believe in and more! Totally admire you having no TV...my household will not let me do this, but I do make sure it's off more often than on! Voted up and shared! x x

    • tobusiness profile image

      Jo Alexis-Hagues 4 years ago from Bedfordshire, U.K

      Billy, another gem, but keep your hands off our telly. :)... Actually, I don't watch it that often, but my husband love watching the history and discovery channels.

      For a lot of people who aren't able to get out, TV is the only link to what's happening in the outside world, however, for a lot of us its passive background noise, we've become so attached to the box, it will take a lot to give it up.

      We all need a bit of escapism, but it can become like a drug.

      TV have a place in our life, but should not take over our lives. It's handy when we're too exhausted to do much more than to let the vapid nonsense wash over us.

    • Amy Becherer profile image

      Amy Becherer 4 years ago from St. Louis, MO

      I have always lived well within my means. I grew up with parents who lived through The Great Depression. The lessons they learned never left them. When I was laid off, I gradually had to let go of many things I'd worked for. In the past two years, I have bought no new clothing, but will have to purchase a pair of new shoes soon as mine have holes in the bottom. I have not been to my beloved hair stylist for a cut or color in 2-years, much to the horror of the people that know and see me. I no longer can afford health insurance, so I've not been back to the doctor except the one necessary appointment with the GI doc, who, by the way, finally cooperated and I just got notice from Shire Pharmacuetical that my application for "free" medication (to the tune of $600/month) is now mine for the next year. After that, if my circumstances still require the meds, my doctor can reapply with a simple signature.

      While my sweet, fuzzy Mac was alive, I had to keep the a/c set lower than I wanted to in order to help him avoid skin infections. Now, that he is unfortunately gone, I have my a/c set comfortable, but not cold and my last electric bill cost "zero", (budget billing) and this months is $30. Thereafter, my budget billing has been reduced by $15/month. Granted, in the winter months, I leave my coat on!

      Necessity dictates that I move in with my mom. She needs my help on a daily basis now and I won't be able to afford my rent for much longer. So, it's a win/win decision. When I make the move this Fall, I am going to sell some of the things I no longer need or want. Too many things weigh me down.

      My groceries are minimal, as I don't eat meat and live on Greek yogurt, which I buy on sale along with fresh fruits. My vice is the coffee I drink, and by God, I'm going to keep drinking it. I never ate out much, so that is not a factor in my budget. And, as we all have priorities, I'm keeping my TV!

      As much as I would love another furry Scottish companion, I know that my financial circumstances can't bear up under vet and medication bills. As a responsible adult, I must sometimes deny myself those choices beyond my means. I still look forward to another Scotty someday.

      Great article, Bill. I take personal pride in living frugally and leaving as small a footprint on the environment as possible. I find it to be a fun, and productive challenge to find new ways to be innovative and self-sufficient.

    • profile image

      Thomas Andrews 4 years ago

      I'm actually shocked how frugal I've been living all of these decades.

    • Lord De Cross profile image

      Joseph De Cross 4 years ago

      Totally agreeing with you Billy. Was going to drive to MacDonalds, but I will walk to a convenience store for now. Costco will be later. Your tips are necessary and down to the point. Hope you are doing better with these frugal Hub. We feel good still, and we take our time in life. Nice to read you again my friend.

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      Shelley Watson 4 years ago

      Hi Bill, Excellent hub with wonderful points. If you consciously ensure that you save money on the unimportant, wasteful stuff you will have more money to spend on the things that are important. Wonderful work, Up, interesting and shared.

    • aviannovice profile image

      Deb Hirt 4 years ago from Stillwater, OK

      Yep, that's the ticket. I have no TV or car, and I am walking the lake every day getting great bird pictures. I also love to read and expand upon my knowledge. poor? Yep! Happy? Incredibly.

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      bankscottage 4 years ago from Pennsylvania

      Great advice Bill. One comment and one suggestion.

      If you move down to a smaller house, try to buy it in a smaller town. I live in a town of about 14,000. The total cost of living is much lower. I could walk many places, but even if I drive, I don't have to drive that far. A tank of gas can last a couple of weeks. As for a mall, we don't have one.

      About that one percent (not counting Bill Gates), I think a lot of them have some frugal streaks in them. Many of them wouldn't be there if they wasted their money. Those that waste their money won't get to the 1%.

      Looking forward to the next installment of your series.

    • mperrottet profile image

      Margaret Perrottet 4 years ago from Pennsauken, NJ

      These are all good things to adopt, and since I've retired my husband and I follow all of your suggestions except giving up TV. If you want to cut down on costs, if you're not too far out in the country to pick up local TV stations, you can just hook up an antennae and still get plenty of stations. That way you can get rid of cable. Good hub, Voted up and useful!

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      Mark G Weller 4 years ago from Lake Charles, LA.

      Awesome tips Bill, all of them are worthwhile and will definitely help!

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      Paula, if you hear back from the 1% with their answers, let me know. That kind of excess leaves me wondering how much is necessary to buy happiness? or is that even possible? and what is the point? just to show that you can buy that much?

      Thank you my dear; I think Bev and I will go for a walk, which costs nothing, and then work in the garden, which costs nothing again. And I'm willing to bet we will thoroughly enjoy the day. :)

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      Bill Holland 4 years ago from Olympia, WA

      Travel, that last thought of yours is the stimulus behind these hubs. I believe we are going to see a much harder fall for the working class in this country, and when that happens people will be forced to grasp this concept or sink. I hope I'm wrong but I truly don't believe I am.

      Thank you kind lady; have a great weekend.

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      Bill Holland 4 years ago from Olympia, WA

      Audrey, I love your name! :) Less truly is more; some things, like happiness and contentment, simply have no price tag on them.

      Thank you my friend; have a wonderful and happy weekend.

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      Bill Holland 4 years ago from Olympia, WA

      Gail, about the only thing I can't give up is the computer, simply because of my business....all other things are on the table of discussion.

      Sounds like your husband has no desire to give up tv.....I know many people like that. There are some battles that just aren't worth fighting, right?

      Thank you my friend; I always appreciate you stopping by.

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      Bill Holland 4 years ago from Olympia, WA

      Earthy, thank you! The world loves television; there is no doubt about that. I do believe the day is coming, though, where economically there will be a great many people who will have no choice but to give up cable as an unnecessary expense. I hope I'm wrong. :)

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      Bill Holland 4 years ago from Olympia, WA

      Tobusiness, I really do understand the allure of television, and its rightful place in our society. I just don't understand it if a family can't afford it and never spend quality time together. I doubt seriously if you fit into those categories. Thank you as always!

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      Bill Holland 4 years ago from Olympia, WA

      Amy, you echo my experiences almost to the tee....for me, now, living frugally is a challenge. I do not deny myself anything that I truly need, and Bev and I find so much enjoyment out of simple living that we really don't need much. We can watch movies on the computer when the mood hits us, and we splurge for an ice cream cone now and then.

      What people don't seem to grasp is that once you become accustomed to living this way you really don't miss anything. It really does become a comfortable lifestyle.

      Best of luck to you as you transition into a caregivers role and live with your mother. It is a loving thing you are doing and will pay so many dividends during the time that she has left.

      Thank you dear!

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      Bill Holland 4 years ago from Olympia, WA

      Thomas, I am as well, looking back on my old life. This has become second nature to me now, but if I stop and reflect on how life used to be....making $100,000 per year and spending practically all of it....and for what?

      Insanity it was and I won't return to it.

      Thank you!

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      Bill Holland 4 years ago from Olympia, WA

      Joseph, these hubs are filling a niche and more and more are reading them....and I think more will soon as the economy continues to take its toll on more citizens. Thank you for that mention; have a great walk and a wonderful weekend my friend.

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      Bill Holland 4 years ago from Olympia, WA

      Shelley, it actually works that way; this isn't some theory that is impossible. As you well know, and as I have lived, this is not that difficult to do if you are willing.

      Thank you and enjoy your weekend.

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      Bill Holland 4 years ago from Olympia, WA

      Avian, happy indeed! Deliriously so as a matter of fact. :) Thank you and enjoy your walk around the lake.

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      Bill Holland 4 years ago from Olympia, WA

      Bankscottage, we plan on doing exactly that as a matter of fact. Great advice....I have lived in small towns before and I greatly prefer them....and I will return.

      Thank you and have a great weekend in PA

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      Bill Holland 4 years ago from Olympia, WA

      mperrottet, since I have to have my computer for my business, it also allows me to see shows if the mood hits me....sure they aren't current, but what difference does that make? Great advice on the antennae....we all had to use them at one point, right?

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      Bill Holland 4 years ago from Olympia, WA

      Mark, obviously you live this already; just another reason why I feel so close to you. Thank you Sir!

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      Glimmer Twin Fan 4 years ago

      Eating out is what gets us. I'm not that into cooking so we are bad about just picking up stuff. It always amazes us what we spend per month on eating out. It's almost scary. Useful hub Bill.

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      Maria Jordan 4 years ago from Jeffersonville PA

      Dear Bill,

      Wonderful tips, showing what we really need... This mirrors a clarity I have developed along life's way. The more I have been able to simplify and streamline, the more peacefulness I feel... I can really tune out some of life's noise and hear myself think.

      Voted UP and very UABI. Hugs, Maria

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      Nellieanna Hay 4 years ago from TEXAS

      Bill - an incredible message in the hub and in your video.

      I was born in the early years of the Great Depression. My parents had put everything into taming a wilderness in southwest Texas, starting with merely drilling essential water wells on it, and finally acquiring a stake to develop by sheer hard work and will. The Depression, of course, threatened to lose it for them but by sheer unbelievable frugality, they managed to hang on and keep that stake, which just meant more work and frugality. Water was so scarce, that to her dying day, Mother could never bring herself to simply let any go down the drain. She conserved soap in it so it could be put on the plants. She gathered rainwater for shampoos. I can't begin to list her frugalities. But they were astronomical. I couldn't help but learn some things, though I've had more freedom from want. But there's never been a time when I was not able to conserve resources, and in many ways that is what frugality is about.

      When my beloved George died 4 years ago, my choices tightened. Oh - not painfully, but I've needed to resume more frugal practices. We were never wasteful, but there was slack.

      We all have choices what and where to 'cut back' and reasons governing our choices. One of my biggies now - here in Texas where summers are blisteringly hot and winters can be rather harsh - is conserving utilities. I realized how wasteful it had been to turn on A/C in June and leave it going full-time till late September! There are times even in summer when it really is cooler outside than inside with the A/C!! Now I keep the thermostat @ no lower than 79 and turn it off about 9:30 PM when it gets fairly bearable outside and leave it off till about 10 or so in the morning when it begins to be hot.

      Growing up without ANY A/C -- in hot southwest Texas -- I think how silly to keep it so cool that I could wear the same clothes inside year-round! Now when it's cold, I bundle up and keep the heat moderate and when it's hot, I dress down and keep the cool higher. I invest my food money in healthy food, drink & eat no junk, take NO meds, take care of myself by myself at an age when that's a rarity, and manage my domain alone @ 80; and I figure it's not a bad showing though there is more I could do, of course.

      I totally believe in caring about others and extending help to neighbors and strangers. Finding one's best contribution and making it consistently is good.

      You do that so well, Bill. Every time I visit your hubs and feel the dedication you and Bev have to your principles, I feel inspired. Thank you!

    • Nellieanna profile image

      Nellieanna Hay 4 years ago from TEXAS

      oops - I didn't see my comment and re-posted it. So I deleted the duplicate here.

    • stillwaters707 profile image

      stillwaters707 4 years ago from Texas

      Warren Gates, also in the top 1%, actually uses these suggestions. Have you seen his home? But, he is very rare.

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      Nellie, I love your new profile picture; what a great smile!

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      Stillwaters, actually I have seen his home and I applaud him for it. Thanks for the reminder; I wish more in the 1% would be that frugal. Thank you!

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      Bill Holland 4 years ago from Olympia, WA

      Glimmer, believe me, I have lived that particular lifestyle and I know all too well the cost. Maybe you can cut out one meal per week as a start.....but then, it's really none of my business. LOL Thank you so much for the honest comment.

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      Bill Holland 4 years ago from Olympia, WA

      Maria my dear, the more I see of you the more I like you. You are just so warm and genuine; how could I not like you?

      Thank you as always; I hope you are having a great weekend.

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      Thank you Nellie! We are dedicated to having the least footprint on this Earth as possible and to be responsible. I love your dedication as well; living in Texas, having an A/C would be normal living, and for you to be aware of that and choose to turn it down at nights....well, I applaud that. We can each change our lifestyle, even a little bit, to find a simpler life.

      I heard so many stories about the Great Depression from my parents, who were teens at that time. Those kinds of lessons never go away, and I had to pick up some sort of appreciation being raised by them. I am a big admirer of anyone who survived those times and learned from them.

      Thank you my dear for some great comments; I hope others will read them.

      bill

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      Shauna L Bowling 4 years ago from Central Florida

      Bill, these tips are great but they don't undo what's already been done and they don't fit every circumstance. I live every tip you've cited and have for as long as I can remember. When I was pregnant with my son , who is now 20, I bought my maternity clothes at a consignment shop. I would trade them in for clothes for my son. With the exception of what my folks bought for him, nothing was new.

      I still buy my clothes at Salvation Army. I buy what I can at Dollar Tree, where every item costs $1! I limit my grocery shopping to once a week. I cook from scratch. I make my own cleansers. I live in a 1,300 sq. ft house. My car is 7 years old and I just hit 70,000 miles. I definitely live frugally. I don't go out. I don't eat out. Frankly, I don't have a social life.

      But shit happens. This past weekend I had to put $778 on credit cards. My transmission needed a part. I work 14 miles away from where I live, so I need a car. In addition to having to have the work done on my car, I lost $148 in net pay. My toilet has been leaking and running for months. I had to have it replaced. Shit happens no matter how hard we try to minimize our costs.

      I'm the sole provider for a two person family. Even when I was married, I was the main provider.

      I'd like tips on how to undo what has already been done.

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      Sha, when you find that hub let me know. Unfortunately, that's not what this hub is about.

      This hub is aimed at people who can do this; obviously it doesn't fit every circumstance. What hub does? Take what you need and leave the rest, and if you don't need any of it then that's great too.

      Have a great Sunday and thanks for dropping by.

    • tirelesstraveler profile image

      Judy Specht 4 years ago from California

      Thumbs up! You might be surprised at some of the stuff Bill Gates is frugal about. A wealthy family member cracks me up. Has two Mercedes and two houses and 200 minutes on his cell phone.

      I have been with wealthy people who walk into Nieman Marcus, pick things off the rack and buy them full price. I just could not pay $200 for a tee shirt I could go to Lands End or Target and buy for less than $20. I am trying to down size. Really like to have plenty of room for guests, so a smaller house won't do it. I read in Real Simple Living some years ago about aiming to get ride of 5o things. I keep a tally on the white board. When I make my 50 there is a celebration. My husband loves the idea. If I could just get him to go through the garage he would really be a happy man. He would find all the tools

      he is sure the kids have lost.

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      Bill Holland 4 years ago from Olympia, WA

      Tireless, great comment my friend. Keep me updated on when your husband heads to the garage. I look forward to the update.

      Thank you and have a great Sunday!

    • Julie DeNeen profile image

      Blurter of Indiscretions 4 years ago from Clinton CT

      I do a lot of these things, but I have to say- I am really bad about eating out. That is my weak spot for sure. Great job Billy. This living simple series is great!

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      Bill Holland 4 years ago from Olympia, WA

      Thanks Julie; I'm enjoying the series too. :) Enjoy your Sunday!

    • always exploring profile image

      Ruby Jean Fuller 4 years ago from Southern Illinois

      Bill this is a great hub with some excellent ideas. I love to shop at thrift stores and The Salvation Army, not only are you getting a bargain, you're helping others. Thank's again..Cheers

    • Mhatter99 profile image

      Martin Kloess 4 years ago from San Francisco

      Frugality was not part of Arlene and my life style. We were not rich. Eventually we lived beyond money. Others were happy to pay our way.

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      Suzanne Ridgeway 4 years ago from Dublin, Ireland

      Hi Bill,

      I did write this reply yesterday and for whatever reason, it has not been entered so apologies my friend!! What another excellent article, right on the money, so to speak! I have applied most of your tips here myself over the past year or so and I can definitely say it has made a difference.

      Simple pleasures come in the form of so much taken for granted. Sitting on Mike's front door step in the countryside surrounded by trees, leafy lanes and fields as far as the eye can see, is something I adore and have missed in the city. You cannot buy that form of richness in life, in my view.

      Thanks my friend for a fab reality check for us all!!

      Hope you and Bev are having a great weekend!!!

    • MargaritaEden profile image

      MargaritaEden 4 years ago from Oregon

      I agree with you Bill 100%, great hub, I think it's a great Idea to drink more water, to walk more, to buy in bulk (I do that too) and your other ideas! sharing this useful hub.

    • LaThing profile image

      LaThing 4 years ago from From a World Within, USA

      Wow, I had descend this long ladder to get to the comment box, Billy.... Note to self: must comment on BB's hubs as soon as they come out! LOL

      Another very useful article; I love your layout. Simpler life is so much better, and when you cut done on bills you have less headaches to deal with! I am still working on my impulse shopping..... Love your Drink Water advice, haha..... Drink it, you are already paying you it.... Beautiful! We are not a soda drinker, only comes in the house if we have a party.

      Lovely read, thanks Billy ..... Voting up, and useful.

    • bridalletter profile image

      Brenda Kyle 4 years ago from Blue Springs, Missouri, USA

      The information helps a lot and I do some of those things. I am working to eliminate some more house bound tasks so I can get out more. The problem is when I live that frugal way too long, I have a burst of impulse buys. so I am not sure if it's worthwhile when you go against the rules at times.

    • robie2 profile image

      Roberta Kyle 4 years ago from Central New Jersey

      Great hub Billybuc. My father always used to say " you can only wear one pair of shoes at a time" and I have found that as time has gone on, things in themselves bring me less and less pleasure while things like really connecting with another human being or watching a beautiful sunset really fill me with joy. Thumbs up:-)

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      Bill Holland 4 years ago from Olympia, WA

      Ruby, I would much rather shop at Goodwill than at some clothing store....and the bargains!!!! What great bargains! Thank you dear and you are right, we are helping others in the process, which is very cool.

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      Bill Holland 4 years ago from Olympia, WA

      Martin, you are a dropper of tantalizing hints, always leaving the punch line hanging out there in the netherworld. Thank you once again my friend.

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      Bill Holland 4 years ago from Olympia, WA

      Suzie, we are having a great weekend and I wish the same for you. What you just described, the simple pleasure of watching nature go by, beats the heck out of anything on television, and it doesn't cost a dime.

      Thank you my dear!

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      Bill Holland 4 years ago from Olympia, WA

      Margarita, you changed your profile picture. Very nice! Thank you my friend and wishing you happiness in Oregon on this Sunday.

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      Bill Holland 4 years ago from Olympia, WA

      LaThing, yes, it pays to get here early. LOL I am blessed by a loyal band of followers who love to comment...part of it is I write about things that people have an opinion on, rather than recipes or haikus....they don't lend to a multitude of comments....part of it is I just have a lot of friends on HP and I am very grateful....tor them...for you....and thank you! Enjoy your Sunday in where, Maine? Yes, I think Maine!

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      Bill Holland 4 years ago from Olympia, WA

      Bridalletter, LOL....no, you are probably defeating the purpose when you impulse buy. However, old habits die hard and just keep working at it. Eventually it all becomes a lifestyle and then you have it made in the shade, as my dad used to say. :) Thank you!

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      Bill Holland 4 years ago from Olympia, WA

      Robie, exactly what I have found. Bev bought me a new pair of jeans the other day....now mind you, I needed them, as my old ones were torn and had holes....but I didn't get any real thrill out of them.....and I felt guilty about the money spent. Still, they were from Bev, so that made them special enough for me to appreciate them greatly.

      Thank you Robie; I appreciate you stopping by twice today since I have been so bad about visiting you.

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      Connie Smith 4 years ago from Southern Tier New York State

      Hi Billy, I really enjoyed reading this and can totally relate. All except to giving up my television! I do so enjoy the science programs. Everything else is right up my alley. As I have always said, toilet paper does not rot and it is a necessity for sure. So Sam's Club is on the top of my list for supplies, never mind that I have to walk sideways through my house! Voted Up, Interesting and Useful. Great job as always!

    • ishwaryaa22 profile image

      Ishwaryaa Dhandapani 4 years ago from Chennai, India

      I enjoyed reading your 'Living simple' hubs. This hub of yours is awe-inspiring. Some wealthy people whom I heard of have loads of money yet led a simple and humble life-style. Money or possessions did not buy happiness; happiness have to come from within! Your suggestions are very useful. I already followed a few of them. I often donated clothes and books to the local charity organizations and school for the hearing-impaired children( I did schooling there briefly as a child). A wise hub! Well-done!

      Thanks for SHARING. Useful & Awesome. Voted up & Socially Shared

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      Bill Holland 4 years ago from Olympia, WA

      grandmapearl, walking sideways is a skill that will come in handy so it's a win-win situation. :) Thank you for the visit; much appreciated.

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      Bill Holland 4 years ago from Olympia, WA

      Ishwaryaa, you are such an aware human being for someone so young. I greatly admire and respect you, and thank you so much for your comment and share.

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      Healthy Life 4 years ago from Connecticut, USA

      This was very helpful since I am in a "challenging" financial situation this year. Not sure I could get rid of the TV and selling the house when nothing is selling and the fact that the kids have an emotional attachment to the house and want to remain in the same school system makes those tips hard to follow but everything else might work. Any improvement is great!

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      Bill Holland 4 years ago from Olympia, WA

      Healthy, I agree with you, any improvement is great. There will be many more tips to follow. I can certainly understand about the emotional attachment to the house and the kids staying in the same school system. Thank you!

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      poetvix 4 years ago from Gone from Texas but still in the south. Surrounded by God's country.

      While I, as die hard female here, must begin with no one will ever take my shoes! This was great. I have read many such list with advice that was not so easily implemented or practical. One of the things that really caught my eye was the math you did on the fast food as I'm a sucker for a good cheeseburger myself. You're right. It's just going to my waist and costing me money. Thank you for including the link to the small homes. We have been exploring this of late. I have missed being around here. God bless!

    • BakingBread-101 profile image

      BakingBread-101 4 years ago from Nevada

      Well, I've never had cable. My little one learns a lot on PBS -- I have a converter box because of no cable. I only have one TV, 3 pairs of work shoes, 4 pairs of dress shoes, 1 pair of hiking boots, 3 pairs of sneakers, and some flip flops. Do slippers count? I am not a fast food person and only go out to dinner about 3 times a year.

      Here's a way to save some money -- put the paper towels in a cupboard where you don't see them so easily. Learn to use towels, rags, and sponges! You can sterilize a sponge by wetting it and putting it in the microwave for 45 seconds or in the dishwasher. I still use paper towels however a roll can last 2-3 weeks or longer. I use coupons when convenient and have found that certain stores have lower prices or better quality on certain foods. I will not compromise on food quality, but when something I use is on sale, I buy in quantity. In fact, I buy as much as I will probably use for as long as it will keep (such as beef in the freezer).

      I'm 54 and expect to semi-retire within 18 months of my house being sold so I can relocate. It's up for sale now here in Las Vegas. Living frugally is simply living consciously and knowing where/why you've spent your hard earned money and conserving on it!

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      Bill Holland 4 years ago from Olympia, WA

      Poetvix my dear, I have missed you! Thank you; we love those tiny homes and we are looking at them seriously. I'm glad you liked it; maybe you and I can limit ourselves to one cheeseburger per week. :)

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      Bill Holland 4 years ago from Olympia, WA

      Baking, just another reason for me to like you! :) We don't use paper towels; cloth towels are fine and last on heck of a lot longer. We are three years from selling this house and buying a tiny home, such as the ones shown in this hub. I agree with you....I think frugal has a bad reputation; it is all about being responsible.

      Thank you!

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      stillwaters707 4 years ago from Texas

      May I add, this is an excellent hub, billybuc. :)

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      Bill Holland 4 years ago from Olympia, WA

      Thank you Stillwaters, and yes, you may add that. :)

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      stillwaters707 4 years ago from Texas

      Lol! You're so modest. You had another hilarious hub earlier. Comedy is your calling, also.

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      Thank you Stillwaters! I enjoy comedy but I have to mix it up to feed the other part of my soul. :)

    • stillwaters707 profile image

      stillwaters707 4 years ago from Texas

      I understand.

    • AliciaC profile image

      Linda Crampton 4 years ago from British Columbia, Canada

      Thank you for the useful suggestions, Bill. I'm gradually incorporating some more frugal activities in my life to replace some less frugal ones. There's always seem to be new steps that I can take! I'm interested in reading more of your ideas.

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      Bill Holland 4 years ago from Olympia, WA

      Thank you Alicia; trust me, there are more coming. :)

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      Sueswan 4 years ago

      Hi Bill,

      Great tips. I can't say that I am frugal but I do not live beyond my means.

      Voted up and awesome

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      Trinity M 4 years ago

      Great hub as always Bill :) I’m happy to say I score 10 out of 10 on your great tips and the wonderful thing about it is I haven’t missed a thing! My husband and I agree that if we won the lottery tomorrow nothing would change… except for my suitcase, which would have to be upgraded for all our upcoming travels! You are a man after my own heart and a great friend. {Hugs} to you always.

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      Bill Holland 4 years ago from Olympia, WA

      Sue, thank you as always for stopping by; I'm sure you are much more frugal than you even think you are.

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      Trinity, ten for ten??? Hooray! You are our big winner today....of course, you don't win anything other than my admiration, but that's a pretty rare commodity. :) Thank you my dear and hugs to you as well.

    • profile image

      KDuBarry03 4 years ago

      Bill, this is an outstanding hub filled with truth and money saving tips. I usually go to B&N to read books for free and trust me, I save a fortune that way! I'm passing this on via twitter, pinterest, and my fellow followers.

    • Learn Things Web profile image

      Learn Things Web 4 years ago from California

      I'm already doing some of these. One I wish I could do is use the car less but we don't live close to any place we need to go to and buses don't run anywhere nearby. We'll be moving in a couple of years and one of my requirements will be being close to public transportation.

    • LostInRevery profile image

      LostInRevery 4 years ago from Maine

      Great Hub! It is true you can save a ton of money just buying used, especially clothing. You can buy brand name clothing at Goodwill. I bought my daughter a pair of American Eagle shorts there for $2! There was nothing wrong with them. I also liked your tip about drinking water instead of buying soft drinks that are loaded with sodium.

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      Learn....thank you! The car is a tough one. We are going to get a motor scooter in a year or so to cut down on gas consumption even more.

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      Bill Holland 4 years ago from Olympia, WA

      Lost; thank you! It really is a frame of mind thing...changing the way we think about purchasing. I appreciate you stopping by.

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      Dianna Mendez 4 years ago

      If everyone followed these suggestions, we would see a lot less credit card debt. The one suggestion we follow most, is buying used. The second is the Library. Books, movies, research ... all free and for your personal enjoyment. By the way, your google's top ad featured "free toilet paper".. that was a good match for your content (he, he, he).

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      Bill Holland 4 years ago from Olympia, WA

      Dianna, love it....who couldn't use free toilet paper? Thank you my friend; I had no doubt you were conscientious.

    • Patty Kenyon profile image

      Patty Kenyon 4 years ago from Ledyard, Connecticut

      Excellent Tips that everyone should live by!!!! We always buy used when we can...most of the furnishings in my house are actually from family who passed it down to us. We only eat out on special occasions such as Birthdays, walk when we can, and we do buy soda (12 pack) but it last nearly 3 weeks.

      I do enjoy reading these installments!!!

      Voted Up, Interesting, Useful, Awesome, and Shared!!!

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      Thank you Patty; I always appreciate you taking the time to visit and leave a meaningful comment....and for sharing.

    • FrugalFatCouple profile image

      FrugalFatCouple 4 years ago from California

      Thanks for a great hub. We admit it. After spending like drunken sailors - We've gone frugal. Love all the great advice. It's spot on for our 'new lifestyle' and we are wearing it well. With your helpful tips of course!Love the chart "Where does the money go?"

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      Rajan Singh Jolly 4 years ago from From Mumbai, presently in Jalandhar,INDIA.

      Bill, once again an awesome hub! You have laid out the merits of living frugally very nicely and shown how it can be done practically.

      Voted up and useful and sharing.

    • Deepak Chaturvedi profile image

      Deepak Chaturvedi 4 years ago from New Delhi, India

      Great hub about frugality.frugal lifestyle gives happiness in fact.

    • Kris Heeter profile image

      Kris Heeter 4 years ago from Indiana

      Excellent tips! I have been working more on buying in bulk (healthy foods and staples) and rediscovered the joys of home canning last year. And, I'm contemplating ditching the cable TV service (cable is the only way we get stations here). My brother and his family have lived for years without a TV and I think that's been great for their kids. I think they are so much more active and creative because of it.

      Passing this great article on to some friends and fellow hubbers!

      Keep up the great hubs!

    • Stephanie Henkel profile image

      Stephanie Henkel 4 years ago from USA

      You've really nailed the most important points about living frugally and simply. In our materialistic society, it's easy to get caught up in the "gotta have it" lifestyle. Unfortunately, all that stuff doesn't make us happier, it just keeps us on the merry-go-round of working harder so that we can spend more so that we have to work harder.

      My husband and I made a conscious decision to get off the merry-go-round about 10 years ago and it was the best thing we ever did. It's easier than one might think to implement many of your excellent tips. Our hardest thing to cut back is gas, but we make up for it by setting priorities and cutting back in other areas. Terrific hub, voted up and tweeted!

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      Mary Craig 4 years ago from New York

      As always you get to the heart of the matter. I must admit there are a few things I can't do (from your suggestions) but others not mentioned I do...for example, my kids intend to put "Mary CLEARANCE Craig" on my tombstone...if it isn't on sale or clearance, I don't buy it!

      Since I was diagnosed with Celiac we rarely go out to eat because there's so little I can eat...forced to save money!

      Our main shopping area is oh, about 15 miles from our house....I save up and try to go only every three weeks or so...so, even though I may not be frugal, I have cut waaay back and try to be economic.

      Voted up, useful, and interesting.

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      Kari 4 years ago from Alberta, Canada

      My husband and I do live in quite a big house, and we now realize that we don't need (or want) all this space. In fact, we would be great in one of those tiny houses!

      We recently visited a friend in Newfoundland, and we stated in a little house/cottage, and it was absolutely perfect for us. One room, living room and kitchen separated by a counter, and a bathroom.

      In any case, we have been trying to get rid of unnecessary things and downsize our life because it actually feels better and more structured.

      Also, I'm someone who has done a no-t.v. challenge (yes it was a challenge for someone who watches T.V nightly) and it was so freeing. It felt like we were actually living and present in our own lives, not in the characters lives...imagine that.

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      Frugal, I'll be stopping by to visit shortly; thank you and it's nice to meet fellow believers.

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      Bill Holland 4 years ago from Olympia, WA

      Thank you Rajan; I will be by to see your new hub shortly. You are very much appreciated my friend.

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      Bill Holland 4 years ago from Olympia, WA

      Thank you Deepak; I appreciate you visiting.

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      Bill Holland 4 years ago from Olympia, WA

      Kris, thank you so much; people don't believe that I don't miss tv, but the truth is, I don't. There is so much more time to do other things....like live. :)

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      Bill Holland 4 years ago from Olympia, WA

      Stephanie, you are right on! It is easy to do once you decide to do it. Congratulations for making the only intelligent decision, and thank you!

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      Bill Holland 4 years ago from Olympia, WA

      Mary, what is frugal to one may not be frugal to another, but the point is to begin to cut way back; it becomes a lifestyle and somewhat of a challenge to see what else you can do to cut expenses. Thank you my friend; I always enjoy you stopping by.

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      Bill Holland 4 years ago from Olympia, WA

      Relationship, great comment....and I understand about the challenge of not watching tv.....but my goodness, the life you can have after tv.....very liberating for sure.

      Thank you!

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      Cynthia Calhoun 4 years ago from Western NC

      You gave me a hub idea, Big Bro!! Thank you for these tips and tricks. I actually DO abide by these and got into a very interesting discussion with my mom on the phone last night about my lifestyle choices. *sigh* But, living frugally is helping me to achieve my dreams. It REALLY is. :)

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      Bill Holland 4 years ago from Olympia, WA

      Cyndi, I seem to be here to give others hub ideas. LOL Three people commented about that yesterday. Fill me in and tell me what you are going to do. Frugal living is the only way to go....I've got many more of these up my sleeves and I'm really enjoying writing them. Thanks Sis!

    • Jamie Brock profile image

      Jamie Brock 4 years ago from Texas

      Love these tips, Bill.. I'm all about being frugal, as much as I can anyway. You bring up a LOT of great points here :) The thought of giving up TV is difficult but you are SO RIGHT about the high cable prices. It's getting down right ridiculous. Voting up, useful, sharing :)

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      Bill Holland 4 years ago from Olympia, WA

      Thanks Jamie; these hubs are fun to write because I believe in it so much. Glad to hear you are into frugal but it doesn't surprise me. :)

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      kaikai 4 years ago from TX

      Great hubs, excellent information. Kaikai

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      ElleBee 4 years ago

      Great tips. Don't forget Freeccle.com for those second hand items. Often what you can find thrift for cheap you can find on freecycle for free! Even better deal :)

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      Thank you Kaikai....much-appreciated.

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      ElleBee, thank you! I appreciate the tip.

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      Mary 4 years ago from Cronulla NSW

      Thanks for this one Billy...they all make such good sense to me... we are thinking that we will need to downsize in a few years and a smaller house appeals already...Up & awesome...cheers

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      Thank you Carter; it's always nice to see you drop by. Have a great weekend!

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      Marisa Hammond Olivares 4 years ago from Texas

      Hi Billy, whoa! What a long comment thread! I enjoyed it just as much as your hub. We are five in our family. I have four brothers and they range from super frugal to downright frivolous. My frugal brother has had EVERYTHING paid for for years now and lives VERY comfortably with his teacher's salary. I have another brother that would blow the lottery if he ever won it. He can't save a cent. I have greatly improved my budgeting skills. My weakness is the occasional meals out...they can certainly add up. I do go to Sam's warehouse for many items and I also take advantage of the dollar store for cleaning supplies. I scan the Sunday ads for deals too. It also helps to know where all the clearance sections are. You can get some pretty good deals on things you are going to use anyway. Thanks for a great hub and for helping me create more awareness....by the way, confession, I'm pretty sure I have more shoes than Kelly hahaha

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      Olive, I love your honesty....is it possible to have more shoes than Kelly??? :) Isn't it interesting how two siblings can be so different? I've seen that many times while teaching and I find it fascinating. Thanks for the great comment and I really appreciate your visit.

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      Audrey Howitt 4 years ago from California

      I had to scroll down for a long time before I got to the bottom of this to leave my comment--so perhaps your hub hits a common nerve or interest among people. I love the idea of living more simply. Sometimes it is difficult to do--especially when you live in a larger metropolitan area--yet some people manage to do it well even in the bigger cities. Passing this one on!

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      Thank you Audrey; our city is about 40,000 so it is relatively easy to get from Point A to Point Z in no time at all, and the cost of living isn't that bad either. Having said that, we still have a long way to go.

    • kaiyan717 profile image

      kaiyan717 4 years ago from West Virginia

      Some pople cannot live without a television, so there is other options. I have 1 that gets turned on a few times a month, I am still in the debate of getting rid of it. A computer pretty much takes over the need for a television, very few things cannot be found on line. There is also sites like Hulu Plus and Netflix that can give you a large virtual library to choose for under a hundred a year or just go to the library of course. I think I have finally decided to go through my closet and get down to the donation site in town. Voted up and great hub, I am always looking for frugal tips!

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      Kaiyan, it's amazing how little I miss television. When we want a movie we always turn to Netflix or Hulu Plus....for us there is just no need for tv. Thank you for the visit; I always like hearing from fellow frugal people. :)

    • savingkathy profile image

      Kathy Sima 4 years ago from Ontario, Canada

      Another great hub! I'm really enjoying this frugal living series Bill. Keep them coming, please!

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      I will, Kathy; I'm enjoying it too! :) Thank you!

    • Learning in Life profile image

      Megan Harvison 4 years ago from SW Florida

      I love the simple and frugal lifestyle but it is hard when your friends and family don't really realize it. Any birthday or holiday, we get so much "crap" we don't need. I appreciate the gesture but I feel like I need more space just to house the stuff I get from others. For example, my 15 month old daughter had the biggest room in the house just to fit all her toys. I've only bought her things she NEEDS.

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      Learning, it is an uphill battle for sure. We are such a possession-oriented society, and most people cannot conceive of the concept of need before want. I live it and have no problem at all, but convincing most people is maddening.

      Thank you for the visit.

    • Learning in Life profile image

      Megan Harvison 4 years ago from SW Florida

      I think the only "possession" I would go crazy without is my laptop and internet. lol I would give up running water to have my internet if I had to choose.

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      Learning, I would too. I wouldn't make a living without my laptop, and that's the truth. Some things I will not give up.

      Thank you so much; it's time for me to pay you a visit.

    • AlliOop profile image

      AlliOop 4 years ago

      Wonderful tips to live by. Due to a medical condition and a pretty severe car accident, I was put out of the workforce several years ago, so my husband and I have to survive on just his income. Being forced to live a frugal lifestyle is probably one of the best things that ever happened to us. Making a conscious decision not to pursue the materialistic trappings of society eliminates so many money worries. The only tip you mentioned that we don't live by is the no television. I rarely watch it, but my husband would probably divorce me if I suggested getting rid of it. We don't pay for cable though. Strictly over the air broadcast. Voted up and useful.

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      AlliOop, sometimes we are forced to do that which is so good for us. I faced tough decisions like that about six years ago, and they became the decisions that turned my life around. I am incredibly happy now, but I would have never guessed it possible six years ago. Shows you how much I knew. :) Thank you for sharing your experience.

    • jainismus profile image

      Mahaveer Sanglikar 4 years ago from Pune, India

      Great advice for frugal living, thank you for sharing the tips.

    • billybuc profile image
      Author

      Bill Holland 4 years ago from Olympia, WA

      jainismus, thank you my friend! I hope these ideas help in some way.

    • wileyspeaks profile image

      Anna 4 years ago from Auburn, Indiana

      Thanks Billy for taking the time and writing this hub. I completely agree that you can better your quality of life by letting go of unnecessary things. I want my children to learn that you can have a full life and not have all the clutter. We too have recently got ride of cable and cut back on our phone bill as well. Yes, it was nice to have two cell phones but not needed. We have a house phone through Vonage which is 10.00 a month and one pre-paid cells for emergencies just by doing those two things we have cut our bills by almost $400 a month!! Can't wait to hear more ideas from you!!

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      Wiley,that is fantastic. What a great savings for your family. I applaud you on taking those steps. Your children will grow up understanding what is important in life, and that's a lesson that will serve them well for their entire lives.

      Thank you for sharing that message with my readers.

    • Pinkchic18 profile image

      Sarah Carlsley 4 years ago from Minnesota

      I use coupons regularly! Couldn't live without 'em :) Nice hub!

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      Thanks Pinkchic; it's good to see you again. Now go back to your coupon clipping. :)

    • MomsTreasureChest profile image

      MomsTreasureChest 4 years ago

      Great hub with lots of practical tips, thanks for sharing!

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      Moms, thank you again for the visit and the share. Greatly appreciated!

    • jainismus profile image

      Mahaveer Sanglikar 4 years ago from Pune, India

      Those who are not interested in drinking just water, they should drink homemade lemonade, which costs very less. This will save a lot of money on cold drinks.

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      Jainismus, I agree with you about the lemonade. Thank you for stopping by my friend.

    • tebo profile image

      tebo 4 years ago from New Zealand

      Lots of great ideas here. Getting rid of stuff is a great idea. I am slowly chipping away at that one. And a smaller place to keep in order is sound advice too.

    • billybuc profile image
      Author

      Bill Holland 4 years ago from Olympia, WA

      tebo, it is an adjustment at first but very liberating once you do it. Good luck to you and thank you!

    • FBohman profile image

      Fred Bohman 4 years ago from Orange County, CA

      Reading through your hub I found the part about living in a smaller home. This is definitely something I see on a regular basis, people living in a home that is too big for their needs simply to hold onto clutter.

      Great article, I think the first part of financial planning is always cutting costs and living a bit more frugal.

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      FBohman, thanks for stopping by. As you said, financial planning starts with the simple act of cutting costs and then making the decision to change your lifestyle.

    • profile image

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      Bill Holland 3 years ago from Olympia, WA

      cheap uggs, that is fantastic. I love your enthusiasm, which shines through in your words. Best wishes to you as you move forward.

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      Sylvia 3 years ago from Corpus Christi, Texas

      You hit another one right out of the ball park! AWESOME wisdom; thank you so much for passing it on. I was a fan of the Tightwad Gazette before some thought it was cool to play at being frugal. ;)

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      Bill Holland 3 years ago from Olympia, WA

      boutiqueshops, that reminds me of the saying "I was country before country was cool." I may be wrong but I think a lot of people are going to join us in this movement before too long.

      Have a great weekend.

    • Jacobb9205 profile image

      Jacob Barnard 2 years ago from Gloucestershire

      Great ways to live cheaper! Thank you

    • billybuc profile image
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      Bill Holland 2 years ago from Olympia, WA

      Thank you Jacobb....I appreciate you stopping by.

    • Jacobb9205 profile image

      Jacob Barnard 2 years ago from Gloucestershire

      No problem, billybuc

    • billybuc profile image
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      Bill Holland 2 years ago from Olympia, WA

      :) Jacobb

    • profile image

      Voucherix 23 months ago

      Great frugality tips. thanks for sharing.

    • billybuc profile image
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      Bill Holland 23 months ago from Olympia, WA

      Thank you Voucherix. I'm glad you found them useful.

    • MarloByDesign profile image

      MarloByDesign 23 months ago from United States

      I agree ~ Frugality de-clutters your physical world and thus de-clutters your emotional world. I am trying that in my life right now, and I can relax in the rooms in my house in which I have done so. Great Hub!

    • billybuc profile image
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      Bill Holland 23 months ago from Olympia, WA

      Marlo, thanks for sharing your thoughts. I totally agree. Life is just much simpler when the clutter is removed.

    • creditcomedy profile image

      Credit Comedy 21 months ago

      This one Article has truly changed my life...

    • billybuc profile image
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      Bill Holland 21 months ago from Olympia, WA

      I'm so happy to hear that, creditcomedy...thank you very much.

    • swalia profile image

      Shaloo Walia 15 months ago

      Saying no to impulsive shopping tops my list. Thanks for sharing this!

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      Bill Holland 15 months ago from Olympia, WA

      Swalia, I think it would top my wife's list as well. :) Happy New Year to you.

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      SA Williams 2 months ago from United States

      Great article Bill :) I'm starting to see what you mean, regarding our like-mindedness :)

      I'm sharing this on flipboard :)

    • billybuc profile image
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      Bill Holland 2 months ago from Olympia, WA

      Thank you for sharing, SA! I appreciate that very much.

    • simplehappylife profile image

      SA Williams 2 months ago from United States

      You're Very Welcome :) I'm happy to do it.

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      Bill Holland 2 months ago from Olympia, WA

      I'm glad you're here, SA!

    • simplehappylife profile image

      SA Williams 2 months ago from United States

      Thanks Bill! I am too :)

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      Sue 2 months ago

      I'm surprised--in your Costco comments, you fail to mention the cost of Costco membership--you'd have to spend a lot of money to save after factoring in the $$ for membership. Or do you go there everyday for the free lunches?

      I plan to spend a year traveling around the US interviewing for 2 books, "It's Easy to Smile When You Love Your Work" and "Heroes Beyond War" --You will recognize me if you see a van with CA license plate "EZ2SMIL". This year, I am struggling with getting rid of stuff that has accumulated in my 43 years in CA. The hardest are things that are part of my history. I am taking pictures. It is a process. I have lived frugally my whole life, but still I have lots, but most of the real joys in life are free.

    • billybuc profile image
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      Bill Holland 2 months ago from Olympia, WA

      Sue, I don't even know you and I'm excited about your upcoming year of traveling. Safe travels, my friend. I'll be along in spirit.

    • billybuc profile image
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      Bill Holland 3 weeks ago from Olympia, WA

      Thanks for sharing your thoughts, Lauren! I'll check out your blog.

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