Frugal living is something that you undertake for the long haul. It isn’t something you can pick and choose to do one day and not the next-that is, not if you expect to see progress toward your goal. You do have a goal, don’t you?

 If not, read the final tip here first. Below are several things you need to keep in mind if you are considering a frugal lifestyle.

1. Not every frugal idea is workable for everyone. There is a balance between frugality and time that is unique for each person. Some people have time to grind their own wheat into flour and make their own pasta from scratch. Some people only have the time to do simple things. You don’t have to use every idea you hear about.

2. Start saving your savings. When you save money, you need to go ahead and put the money in a jar until you have enough to put it in the bank. If you save $20 on a shirt you didn’t buy, put that $20 in your jar. If you save $1.59 on groceries, put that money in the jar. Many grocery stores receipts will even tell you how much you save. That makes it easier for you. Spending money you save in one place on something else is still spent money.

3. Set your goals and stick with them. You have to have a reason to be frugal. Whether you want to get out of debt or go on a cruise, you have to have a goal. Don’t just leave it vague. Write down the specific steps you are going to take. Look at your goal every day. Keep it at the forefront of your money thinking. When you consider whether or not you will buy something, look at how it affects your goal.

You shouldn’t be stuck thinking up ideas for green Christmas gifts. There are so many different ways to make excellent and interesting gifts and ornaments using existing materials, or things that are easy and inexpensive to obtain.

Ideas for green christmas gifts are usually only limited by your imagination, so start imagining!

Gift baskets are popular and are easily made too, and one of the best ideas for green Christmas gifts. The basket can be recycled from a cardboard box, cut to size and shape as desired, and wrapped in something original. The artwork that your children produce in school or at home is ideal for wrapping gift baskets. If you can’t find enough old ones, have them make a few new ones.

Any left over artwork can be shredded and laid in the bottom of the basket to provide a suitable crinkly base for the gifts.

The gifts that fill the gift baskets can be anything. However, some of the better ideas for green Christmas gifts are things like homemade jams, homemade cookies, and homemade maple candy, which can be cut into Christmas shapes. Other ideas for green Christmas gifts for your gift baskets can be produced by your children.

An aluminum drinks can painted, or covered in an old photo or some kind of artwork makes a great pen holder. A sturdy shoe box, if suitably decorated, can become an attractive treasure box. Your children will love creating these ideas for green Christmas gifts.

Clay ornaments are easy to make and are definitely environmentally friendly ideas for green Christmas gifts. You can make the clay dough with flour, salt and water in ratios of two parts flour to one part salt and one part water. Mix well together and knead for at least 10 minutes, then roll out and cut to shape. You can use existing cookie cutters, or get more imaginative for better results.

You may wish to poke a hole in each ornament before baking them to make it easy for hanging. Make the hole larger than you need as it will shrink during baking. Then bake the ornaments in an oven at 325 degrees Fahrenheit for around an hour and a half.

These excellent ideas for green Christmas gifts can be decorated in hundreds of different exciting ways and will look really great too.

Ideas for green Christmas gifts are all around you. They will save you money and help to save the environment. In that way you will know that you are doing your bit for the planet.

Christmas is a Christian celebration, but people of other religions also know the importance of being green and saving valuable resources and money. As the Dalai Lama said: “We have a responsibility to look after our planet. It is our only home.”

For more great tips on how to go green and how to save money by going green, check out Going Green & Saving Green here: Money Saving Green Solutions

With energy costs higher than they have ever been in recent history, it pays to find ways to reduce your home heating costs. I put together some tips that are easy, cost effective and will all add up to reduce your home heating bills by a significant amount! You don’t need to be Bob Villa either. Some take just a minute or two. Even small changes will add up to big savings over the course of this cold winter!

Here are the 10 tips that I have personally used to save on my home heating costs:

1. Head down to the basement and reduce the setting on your hot water thermostat by about 10 degrees. I wouldn’t go below 120-115 degrees. The adjustment dial is typically a red knob towards the bottom of the water tank.

2. While you are downstairs, make sure you have clean filters for your central air-heating unit. A dirty and clogged filter will force your unit to work much harder and stay on longer as it struggles to fresh air through the clogged filter to heat the rest of your house.

3. Check your air ducts for gaps, leaks or disconnects. If you have any disconnects or leaks in your ductwork, your heating bills could be 25% higher than they need to be if these gaps were sealed. If you can’t do this on your own, hire a professional. This expert can also clean your ducts for added efficiency.

4. Adjust your thermostat a few degrees lower. Believe me, this really adds up. It may not seem like much of a difference to you, but you will notice the difference when you get a lower bill each month!

5. While we are on the subject of thermostats, consider replacing yours if it is not programmable. The reason is, you can set the thermostat so the temperature setting in your house is lower at night than during the day, when you are awake. Also, if you are away at work during the day, you can set it for a lower temperature and have it programmed to start heating the house a little bit before you come home. These aren’t too expensive and are easy to install and configure yourself.

6. Insulate your attic. Heat rises, right? If your attic isn’t properly insulated, all of the heat in your house (and your money) goes right through the roof. Literally! This does require some effort on your part, but following through on this tip will save you a ton of money over the years. Measure the square footage of your attic and buy rolls of insulation, greater than R-13 but no higher than R-30. Wear a mask and gloves when working with insulation because it irritates the skin.

7. Find those leaks and cracks! If you were to add up all of the small cracks and holes in your house, they would probably add up to a small window, wide open, letting cold air in and hot air out. Take the time to find gaps in windows, doors, pipes, electrical and phone lines, your dryer duct and much more. Put weather-strips around your doors and windows. You can buy insulation foam that comes in a can with a straw at the top that allows you to fill in tight spaces. It expands to fill even the smallest cracks. Of all of the tasks, this was the most fun finding and filling these gaps all around the house.

8. Close the vents in rooms that you do not use. I have one room in my house that is not currently in use. I shut the hot air ducts and made sure the windows and doors were properly sealed to limit energy leakage. Why waste your money heating up extra square footage of your house that you don’t even use?

9. Open drapes and shades for all of your windows during the day to let the sun heat your home. In the evening, pull them back down for added insulation. It is amazing how much direct sunlight streaming into your home helps to heat things up.

10. Your fireplace can help and hurt your heating costs. If you are not using your fireplace, make sure the damper is closed. When it is closed, inspect the damper and feel if cold air is still leaking in. If you are using your fireplace, make sure the heating in the rest of your house is reduced or turned off.

Taking the time to implement these tips will drastically reduce your home heating bills. You can get most of them done in just one day, but the payoff will last for as long as you live there! I followed through on each one of these tips and the following winter, my bills were about 25% lower, saving about $100 a month! So roll up your sleeves follow these tips and start saving money on your heating costs!

If you want to go green in your home, and save a little money at the same time, it’s never been easier.

As the planet faces an uncertain future of global warming, which is believed to be the result of us all burning fossil fuels indiscriminately, we all have a duty to do the best we can to redress the balance. Here are some vital tips to help you get started…

Your home is where you spend a lot of your income, so it makes sense to be spending it as efficiently as possible. You can start to go green in your home by insulating the house. Loft insulation, wall cavity insulation, double or even triple glazing – it will all make a tremendous difference. Yes, there is an investment to consider, but you will save in the long term, and save a lot too.

We all use too much water. Go green in the home by cutting back as much as you can. We could all, collectively, save one billion gallons of water a year by changing our old flush toilet cisterns. The old ones use three and a half gallons per flush and the new high-efficiency ones use just over one and a quarter gallon. It makes a big difference! If you did only this to go green in the home you would save 20,000 gallons of water every year, and pay a lot less in water bills.

The standard light bulbs that most homes have are very inefficient. Compact fluorescent light bulbs burn around 5% of the old bulbs and they last 10 times longer. They may cost slightly more to buy initially, but this is an obvious way to go green in the home and save a bundle in the long run. But you can do even better, The new LED lights are almost twice as efficient as even the compact fluorescent light bulbs, and they will last even longer too.

Heat leaks out of a house in winter and into the house in summer. Better insulation all round is a great way to go green in the home. Look at your loft, your wall cavities, your windows and your doors. Sort out all of these and you can go green in the home and really save too.

Home utilities are a drain on energy. Did you know that modern washing powders are so good that they don’t really need hot water? your washing machine uses most of its energy heating the water, so wash your clothes cold. They will clean great while you go green in the home.

You may think your dishwasher is also an energy drain, Strangely, it isn’t. If you use it fully filled it uses less resources than if you wash by hand.

Once you know these little tips and tricks, it’s easy to go green in the home!

For more great tips on how to go green and how to save money by going green, check out Going Green & Saving Green here: Money Saving Green Solutions

We all want to live green and save money at the same time, and we can too. Kermit the Frog was wrong when he said, “It ain’t easy being green.” It’s really easy, and highly effective too, if you know how. This article will provide you with 5 essential steps you can start taking today to live green and save money.

1. Turn your heater thermostats down one or two degrees in winter, and turn your air conditioning thermostats up one or two degrees in summer. If we all did this, the combined difference would be phenomenal. We’d still feel warm in winter and cool in summer, so learn how to live green and save money with your heating and cooling appliances.

2. The other appliance that needs your attention is your washing machine. Start washing your clothes in cold water. Modern powders work just as efficiently in cold water as hot. Most of the energy that goes into a clothes wash is in heating up the water, so you will save on electricity, live green and save money too.

3. When your clothes are nice and clean, don’t throw them into the dryer. Unless it’s pouring rain, hang them out to air dry. It’s what your grandmother did, and she managed just fine. She may have liked having a dryer, but they weren’t around back then, so she just had to live green and save money. You can too!

4. Compact fluorescent light bulbs are a dream come true for anyone who wants to live green and save money. They burn just 25% of the electricity that a standard light bulb burns, and they can last up to 10 times longer. Change your old bulbs today!

5. Try to consume a little less of everything, from electricity, to gas in the car, to the food you eat. Take time to write out a shopping list, and stick to it. If you feel the impulse to buy something you don’t really need, get into the habit of waiting 24 hours, then review it. The chances are you either won’t want it any more, or you will have forgotten about it.

It’s easy to live green and save money. You just have to give it some thought. Get into a routine that works and before you know it, you will find yourself in the situation where you live green and save money every day.

For more great tips on how to go green and how to save money by going green, check out Going Green & Saving Green here: Money Saving Green Solutions

Just like everyone else these days, I am constantly looking for money saving ideas and products.  I look around the Internet and I also look at products that are being offered on various sites where products are posted for sale.  An example of of one of these sites is clickbank.com. 

Money savings, weight loss and treatment for various things like acne are problems that we all have experience or have a family members struggle with.   I don’t just put products on this site for the sake of having more stuff to offer.  I have either thoroughly researched these products or I have friends or family members that can vouch for them.

I realize that everyone is skeptical about money saving products offered on the Internet.  However, if you read thoroughly the product offering, you will find some of them actually have merit and all of them give money back guarantees.

My latest research is taking me down the road of looking into green money saving ideas.  I am not a tree hugger but I do believe in being environmentally friendly.

Take a stroll around this site.  If you see something that looks intriguing, take an open minded look and be on the lookout for some ideas on green living.

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There was a list of funny ways to save money on a “frugal living” website. They weren’t necessarily meant to be funny, but were gleaned from real suggestions sent in. Some cheapskates don’t seem to notice that an extra hour at work might put them further ahead than many hours of penny-pinching.

The following are real suggestions, and then there are some funny ways to save money that you really shouldn’t try.

Funny Ways To Save Money – The Real Suggestions

One person suggested ways to save money on weddings that included picking up the leftover flowers at a cemetery. I’m not sue how you can tell which are “leftovers.”

Another creative penny pincher found a way to save money on a car wash. He washed his entire car using the squeegee at the gas station.

A woman confessed that she has the kids stuff their pockets with the free ketchup, salt and other condiment packets every time they were in a fast food restaurant. That’s not all, though. She actually had the kids squeeze ketchup and mustard from the packets into regular jars of ketchup and mustard, and claims she hasn’t bought these condiments in years.

To save money on an umbrella, one man suggests going to the lost and found department of any large public library. Tell them you lost a black umbrella. They will have several, from which you can pick the best one and claim it as your own.

Call people long-distance when you know they won’t be home. Leave a message for them to call. That way, they pay for the long-distance call.

Funny Ways To Save Money – Don’t Try This At Home

Don’t pay baby sitters! Get young couples who are thinking about having kids to “rent” yours for the evening. They get to see what it will be like, and you can get paid instead of paying for sitters.

Turn off the TV and all the lights to save electricity. Tell the kids it’s a game of hide-and-seek.

Train your dog to beg for food from strangers, so you won’t have to buy dog food.

Rub pine needles under your arms instead of buying deodorant.

Take extra napkins from fast food restaurants to save on toilet paper.

Borrow your neighbors toothbrush instead of buying your own.

If I write a book on ways to save money, funny or not, will I make much in sales, or will everyone take my suggestion and borrow it from the library instead of buying it?

You spend the most time there, so it makes sense that your house represents your largest expense. Whether it is the day to day upkeep, and operating expenses, repair projects, or the rent or mortgage payment, you allocate a big portion of your income to your home. Because you spend so much money on it, take advantage of the following tips to start trimming your budget.

If you want to possibly save hundreds of dollars a year on your electric bill, make sure that any new appliances you buy are energy efficient. You can find this information on the Energy Guide Labels that federal law requires of all major appliances.

Call your utility program and ask them if they have any cost saving programs such as load management programs or off hour rate programs. Enrolling in these could save you a substantial amount of money.

Ask your electric and/or gas company if they do a free or low cost home audit. They can identify ways for you to save hundreds of dollars a year on heating and air conditioning and often they will help you implement their suggestions for free.

Go over your phone bill and see if there are charges on it for services you don’t use, like three way calling or call waiting. You can save about $50 a year if you eliminate unused services.

When the fireplace is not in use, keep the flue damper tightly closed. A chimney is designed specifically for smoke to escape, so until you close it, warm air escapes—24 hours a day!

If you use electricity to heat your home, consider installing an energy-efficient heat pump system. Heat pumps are the most efficient form of electric heating in moderate climates, providing three times more heating than the equivalent amount of energy they consume in electricity. A heat pump can trim the amount of electricity you use for heating as much as 30% to 40%.

You can cut the amount of water you use showering in one year in half, by installing low flow shower heads.

Insulate your water heater and turn the thermostat on it down a few degrees, to save quite a bit on your bill.

Carefully placed trees can help to heat a cool your house. Studies show that just 3 trees strategically planted to give shelter and shade can save you up to $250 a year on heating and cooling.

Provide high efficiency lighting to your home by using linear fluorescent and energy efficient fluorescent compact lamps in your fixtures. They last 6-10 times longer and use less energy.

Use solar pathway lights in your yard to provide nighttime light. It costs less than using electricity to run security lamps.

Refrigerators with freezers on the top are more efficient and therefore more cost effective than those with freezers on the side.

Switching your washing machines temperature from hot to warm or cold cuts a loads energy use in half.

Gas dryers are less expensive to operate than electric dryers. The cost of drying a typical load of laundry in an electric dryer is 30 to 40 cents compared to 15 to 25 cents in a gas dryer. That savings adds up over the course of a year.

When you are drying jeans in the dryer, throw a towel or two in with them. The towel will draw moister from the jeans, cutting down on dry time.

With a little thought and minimal effort you can save hundreds of dollars a year around your house. Start saving today, and imagine how much more money you will have in your bank account in the future.

The average family’s grocery bill is usually one of the higher numbers on the family budget. There can be an enormous difference in what each family spends on their groceries, depending on many factors, such as whether they buy name brand, more meat, etc.

The good news is that this allows for a large amount of savings if we decide to be frugal with our shopping. Following a few simple tips will have you well on your way to saving a few bucks.

1.) Make a meal plan. You’ll know exactly what you need from the store before you go.

2.) Watch for specials and coupons in store newsletters, and plan your meals around them.

3.) Make a list and stick to it. If it’s not on the list, don’t buy it.

4.) Don’t shop when you’re hungry. That way you won’t be tempted to buy things that you don’t need.

5.) Shop alone. Count on your bill being higher when you bring your spouse or children.

6.) Only buy things you know you’ll use. For example, if your family doesn’t like broccoli, don’t buy broccoli in the hopes that they’ll eat healthier this week.

7.) Keep your eyes on the items on the bottom shelf where the prices are lower.

8.) Buy store brands when the quality is the same. Most of the time, it actually is the same product in a different package.

It’s pretty easy to be frugal once you realize how much money you’re actually saving with these simple steps. Keep a log of your grocery bills, so you can see how much of a difference you are making.