Notepad Corner

There are many ways to save money but a lot people seem to find it hard to be frugal and continue with their current ways of spending. The rising costs of necessities and the way the economy has sagged are pushing more families to become penny-wise and stretch their meager finances. Like most families, yours might also be clueless as to how you can have a trimmer lifestyle. Here are five simple ways on how you can practice frugality at home and at work. Monitor Your Expenses . The simplest way to being frugal is to create an accurate costing of your expenses. This includes housing costs, utilities, transportation and even your daily dose of coffee at the corner store. Many people find it helpful to track expenses as it provide where exactly their money goes. It also allows you to see where you can trim off your budget.

Trying to juggle living expenses seems to be getting harder with each passing year. Many households are being hit with increasing bills that make daily life a real challenge. One of the easiest ways to alleviate this financial stress is to evaluate your shopping habits, and implement small changes to help you save. Here are some of the simplest and most effective ways to cut your weekly grocery bills. Stick to Your Budget Before you even set foot anywhere near the shops, you should take the time to work out a budget. Once you know exactly how much you have to spend, it will be a lot easier to shop to your budget. Sticking to the allocated amount may be a challenge at first, but watching your savings grow and getting the very best value for money is a rewarding experience. Create a List Now that you have your budget in place, you can create a list of exactly what you need for the week. Try and stick to the list as much as you can, as this will help to curb any impulse

Home budgeting is becoming more difficult to manage nowadays. Paying the monthly consumption fees in electricity, water, telephone, dsl, and cable will already create a hole in our pockets. Not yet to mention the daily food we need to buy to sustain the family’s health plus other commodities, supplies, daily expenses and necessities in our homes. Gasoline hike and basic commodity prices had climbed up recently, while salaries and wages stay put. We need to do extreme care in spending money that is to allocate it wisely. I already implemented an austerity program in our home to economize electric and water consumption.  Economical management plays an important role to trim down excess costs. Let me share you some of the Basic Thrift Guide I put into practice to help lower down our monthly expenses. Unplug appliances when not in use Laptop usage for my online tasks, as it consumes less power than the desktop Buying kitchen and laundry supplies in bulk for a two-week replen