Trying to be frugal!

This is very important to me. And so I found some information that helps.

Did you know that most millionaires live in modest homes and drive used cars? That's why they are rich. Don't expect to eat out at fine restaurants. You will be able to go someday soon but not now. Don't buy new clothes for a while. There is nothing wrong with what you already own.

So you don't like cutting coupons? Too bad. If you could save $10 on your shopping next trip why wouldn't you? Buy a cheaper brand of toothpaste. Use half the toothpaste you currently do - the size of a pea is all you need. And think about it, that $4.00 tube is now really only $2.00 ... because you are making it go twice as far! Food shopping, buy what’s on sale and learn to live with it. You'll save and not starve. Go to matinées instead of the nighttime movies. Think to yourself what it is you really like ... and then think of a way you can do it cheaper! Drink a lot of bottled water? Refill them at home. The savings will rake up. Take your lunch to work; eating at the fast foods and deli's cost a lot of money.

Be conservative with your utilities. Spend the evening at the library instead of heating up your place. And read their magazines and drop your subscriptions. Fix leaking faucets, turn off unused lights, etc.

Change your way of thinking. Instead of saying that something only cost a dollar think of it as keeping that dollar instead. That dollar will grow interest for you. So that item doesn't really just cost a dollar it costs you your future!

Learn how to invest ... not just save ... but invest. Think of every dollar your money is not earning as future money just dribbling out of your pocket.

Save for a rainy day. Then learn how to make your money work for you.
Doing all the things above, as hard as it is, will help you in the long run.

Tips
• Think before you buy anything. Do you really need it? If not put it back.
• Be strict with yourself.
• If you think you "need" something, wait one month (or six months, or whatever works for you) before you buy. If you still believe you need it, then get it.