background preloader

7 Habits of Highly Frugal People

7 Habits of Highly Frugal People
EmailEmail One of the most direct way to change your life, you need to change your attitude. No one else is responsible for what happens to you but you, so you can either complain about the things you don’t like in your life or you can set about changing them. Not surprisingly, this directly relates to the state of your finances. If you’re tired of living paycheck to paycheck, having your phone regularly cut off, or making excuses to skip dinners with your friends, then you can use these seven habits to take control of your money situation and live a happier and more frugal lifestyle. Habit One: Be Proactive The first habit to develop is to take responsibility; if you fail, you have no one to blame but yourself. [Here are 6 action steps to take when you feel financially vulnerable.] What most people forget is that though you can’t control the stimulus, you can control your response. How to be proactive for effective frugality: Take the first step. Habit Two: Begin with the End in Mind

http://moneyning.com/frugality/7-habits-of-highly-frugal-people/

Related:  Show me the money

50 Ways to Save $1,000 a Year Looking for ways to save money this year? Want to boost your savings in a tough economy with little effort or pain? Good. I’ve got 50 (fifty) ways to painlessly stash some extra cash without losing a limb or getting a second job. Some of these tips will score you instant dough, while other money saving suggestions require year round strategies to amass the moolah. Renewable energy Renewable energy is generally defined as energy that comes from resources which are naturally replenished on a human timescale such as sunlight, wind, rain, tides, waves and geothermal heat.[2] Renewable energy replaces conventional fuels in four distinct areas: electricity generation, hot water/space heating, motor fuels, and rural (off-grid) energy services.[3] About 16% of global final energy consumption presently comes from renewable resources, with 10% [4] of all energy from traditional biomass, mainly used for heating, and 3.4% from hydroelectricity. New renewables (small hydro, modern biomass, wind, solar, geothermal, and biofuels) account for another 3% and are growing rapidly.[5] At the national level, at least 30 nations around the world already have renewable energy contributing more than 20% of energy supply. Renewable energy resources exist over wide geographical areas, in contrast to other energy sources, which are concentrated in a limited number of countries.

night at the kameha" by Marcel Bednarz Premium Canvas Starting at just $99 Buy Now Framed Print Frugal Living EmailEmail Frugal Living is not just a way of life, it’s also a state of mind. We can aim to generate as much income as possible, but wealth won’t accumulate without wise spending habits. Frugality is about stopping the money leaks while still living a fulfilling life and it requires a mindset adjustment in order to succeed. Here are a few articles to start you off on the right path.

Can’t Get Enough Coffee? It Might Be in Your Genes If you rely on a deep, sludgy kick of java to get you through the day, your need for caffeine might have something to do with your genes: a team of researchers have identified variations on two genes that may influence how much coffee people consume. The study was a meta-analysis of data from five studies involving 47,341 U.S. participants of European descent, and run by scientists from the National Cancer Institute, Harvard School of Public Health, Brigham and Women’s Hospital, and the University of North Carolina at Chapel Hill. The genes in question are known as CYP1A2, which is involved with the body’s caffeine metabolism, and AHR, which regulates CYP1A2. Scientists found that people with high-consumption variants of either gene on both chromosomes consumed on average about 40 mg more caffeine per day than people who didn’t have the mutation on either chromosome. (More on Time.com: Drinking Coffee May Lower Women’s Risk of Stroke)

Gail Vaz-Oxlade - Tracking Your Money The Gail Way!Debt-Free Forever Tracking Your Money The Gail Way Simply click the BUY NOW button below and you will be directed to the Paypal website to complete your transaction. The name The Catena Group will appear on this paypal page. Once your transaction has been approved by Paypal, you will receive an email with your link to the download page as well as being re-directed for your instant downloads! Dividend A dividend is allocated as a fixed amount per share, with shareholders receiving a dividend in proportion to their shareholding. For the joint stock company, paying dividends is not an expense; rather, it is the division of after tax profits among shareholders. Retained earnings (profits that have not been distributed as dividends) are shown in the shareholders' equity section on the company's balance sheet - the same as its issued share capital. Public companies usually pay dividends on a fixed schedule, but may declare a dividend at any time, sometimes called a special dividend to distinguish it from the fixed schedule dividends. Cooperatives, on the other hand, allocate dividends according to members' activity, so their dividends are often considered to be a pre-tax expense.

Watermelonade Recipe at Epicurious photo by Roland Bello yield Makes 1 gallon (serves 16) active time 30 min total time 30 min You would be hard-pressed to find something more refreshing than watermelon. How to Break Bad Habits EmailEmail Our habits may be based on our core principles, but the surrounding elements will often change them on a daily basis. Be it frugality, way of life or our morals, people around us slowly change our behaviors in a big way.

5 huge health benefits of sweet potatoes (NaturalNews) Sweet potatoes, also commonly labeled as yams, are an excellent and inexpensive staple to have on hand. These deep orange-fleshed nutritional powerhouses add several important components to the diet. Their health and weight management benefits far exceed the nutritional value found in ordinary white and yellow fleshed potatoes.Sweet potatoes contain almost twice as much fiber as other types of potatoes. 4 Reasons For Multiple Savings Accounts Most people think of savings accounts solely as a source of emergency spending for a rainy day. But they're also best used for allocating money for big purchases such as a home or new car. To save money for multiple financial goals, you'll need multiple savings accounts. Why? Fuzzy savings goals usually don't pay off, resulting in chaotic finances.

Related:  ReadLaterInspirationFrugal