Cash Is King Of Frugal

Frugal people and Cheapskates live below their means, simply put living below your means is spending less than your take home paycheck and saving the rest.

Banking If you bank is charging you a monthly fee when your balance goes below a certain amount, is charging you a check or debit card processing fee. You need a new bank. Many banks have totally free checking and savings accounts. Do your homework and open a fee free account.

Credit cards by design are money making cards for your bank and are not designed to be a true benefit to credit card users.
Cash is king. You will never pay bank fees using cash. You will never have a overdraft fee or incur credit card interest fees when using cash.

How do you know if you are frugal? That’s easy, you no longer worry or even care if your television set is bigger or that you have more TV channels or that your car in newer and bigger that your friends and neighbors. You don’t have a $400.00 or $500.00 dollar monthly car payment. * At the end of the month you still have cash in your pocket!
* You use ‘real’ money not checks or credit cards to pay for everyday living expenses.
* Your dog and cat are eating bulk, dry food. Not gourmet pet food.
* You don’t care if your lawn mower is 10 years old as long as it still runs and cuts grass.
* Your designer clothes come from one of those bigbox stores like Target, Walmart, Kmart or better yet you found them on sale at your local thrift store.
* You would rather eat a $15.00 steak cooked at home on your backyard $19.00 BBQ grill than to eat a $50.00 Steak meal at the Texas roadhouse or Outback steakhouse.
* You like your pasta better than the over priced pasta served a places like Olive Garden.
* Ordering home delivered Pizza is a treat not a staple of your diet.

Simple small life style changes can save a lot.
Wash dishes, pots and pans as you finish using them. Don’t pile them up for a major dish washing event later.
Don’t use a dish washer. Wash by hand, you will use less soap, less water and have cleaner dishes. This only takes a few minutes ‘If you don’t allow them to pile up in the sink’.

Buy bulk generic brand dish soap, washing detergent and disinfectant cleansers by the gallon at your local bigbox store. The 1 gallon bottle of disinfectant I buy, when properly mixed makes 32 gallons of disinfectant cleanser.

Relearn how to use a real broom and mop, don’t have one, buy one and make it a good quality broom and mop. They will last a very ‘long’ time if properly taken care of.

Buy jelly and jam in those cute little jars with a handle that look like root beer mugs. There great for casual dining, and BBQ’s. Best of all they are cheap. They are filled with something you are going to buy anyway.

Buy mayo, mustard and pickles in glass jars that can be reused when canning fruits and vegetables and making fresh from your garden pickles.
Buy bulk or better yet fresh vegetables from your local farmers market or picked fresh from your garden vegetables to make salsa, relish and dips. Refrigerate for later use in that recycled mustard jar.

Impress your friends.
* Keep and refill gourmet coffee and tea containers with your much cheaper in store brands.
* Buy nuts in bulk in the shell. Shell as needed and eat healthier. No added oils, salt or perseveres.

Bulk buying is cheaper. Beans, rice and the like is cheaper in bulk.
* Save plastic shopping bags for your bulk purchases.
Store your bulk foods in air tight reusable jars, {I like 1/2 – 1 gallon pickle jars} or plastic containers. If you have the space, store bulk dried products in your deep freeze. Keeps them fresh and keeps insects out.
Never buy another small trash bag. Use your excess shopping bags for small free trash bags. I open them put one hand in and pickup things that I do not want to touch with my hands as well.

Not from the U.S.A. Leave a comment telling us about your home town and country

Why is common sense so uncommon?
Don’t be Shy. Leave me your comment(s)

7 responses to “Cash Is King Of Frugal

  1. I just like to call myself thrifty not cheap…. I just make a lot out nothing and most of the time don’t spend much to do it


    • 🙂 Frugal or thrifty, Reuse, recycle things you have on hand and that are ‘paid’ for. Don’t incur credit card debt or bank loan debt. Pay with cash. If it’s something you really need, and you don’t have cash in pocket to pay, Wait, save to buy that item when you have cash in your pocket.
      happy thrifty living

      Liked by 1 person

  2. My Mama use to always tell me… “Happiness is being a frugal, penny pinching, tightwad and never forget that.” I never forgot, but my children let it go through one ear and out the other!
    I absolutely ♥ this post! 🙂 Thank you for liking my post on blossom-end rot.


    • 🙂 Grin, when my grandson wants me to ‘give’ him money, I always say no, but, I will pay you to do some chores around my tiny garden / tiny farm.

      Hehehe, most of the time chores go undone, but, grandson is no longer begging for ‘free’ money from me.

      Happy gardening


  3. I agree with you 100%.


  4. A wise and helpful post!


    • I do know that I am simply repeating many of the same things many others have and will say, But, until the 18 to 40 year old’s accept the fact that they ‘Are not’ all that special(I don’t care what mother told them) and very few of the will ever have a job paying $100,000 dollars a year. They will continue to live paycheck to paycheck getting deeper in debt with every credit card purchase.


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