Welcome to Frugal Living Tips Monthly newsletter For November 2008
Things don't seem to be getting any better do they? I was hoping after
the last edition of this newsletter that things would at least be looking
as if we were over the worst with the globval financial crisis.
It looks like we are all in for the long hall and being frugal and enjoying
it will make things a lot easier to cope with. I hope this newsletter
and the website helps to make saving money a little easier.
Enjoy the newsletter and come and visit us at Frugal-Living-Tips.Com
Until next month
Best Wishes Kate
1. Tip of The Month
4 Your Money
1. Tip Of the Month - Antistatic Solution
To prevent carpets made of synthetic fibres from collecting so much dust.
To make 1 1/4 pints/725ml.
1 pint/570ml water
1/4 pint/150ml fabric softener
Mix the water and fabric softener together in a bowl and then put into
a spray bottle.
Spray the liquid lightly and evenly all over the carpet surface.
Every Month we hold a Best recipe of the month competition
where you can win a variety of prizes. this Month you could win a 4 port
Simply Submit your recipe with any serving suggestions
to us here and we choose a winner every month. All the recipes
will feature on the website.
here to submit Your Recipe
3. Free Downloadable Coupons
These are just some of the coupons you can download for free this month.
Click on the image to see the full range available.(Please use Internet
explorer to view coupons.
4. Your Money - Quick Fix or Daily Habit?
by Jeffrey Strain
One of the biggest problems that people have when it comes to personal
finances is that when they first start to look at them, they want a quick
fix. While there are certainly numerous steps that you can take to reduce
what you're spending, it's the way that you live your daily life that
probably matters most when it comes to getting your personal finances
It's not that people don't know what things will save them money. Instead,
it's that they often don't implement the changes into their lifestyle.
You probably know that if you take the time to check your tires to make
sure they are properly inflated once a month, you can save money. You
know that making your own coffee will cost less than buying it at the
local coffee shop. You know that it is cheaper to make dinner at home
rather than eating out. You know that it saves money to turn off your
computer when you aren't using it rather than leaving it on. Chances are,
however, that even though you know these things, you haven't incorporated
them into your lifestyle.
While the individual habits in themselves may not seem like much, when
they are all added together, they can add up to quite a bit of money each
year. In fact, for most people, it's probably the difference between having
to borrow money or being able to save money each moth. Most of these are
simply daily habits and it probably doesn't even cross your mind one way
or the other whether or not you're saving money when you do them. It is
important, however, to learn what these daily habits are and to change
the ones that can be changed with little or no pain.
The key here is that even though the actual act of doing something different
may not be difficult in itself, breaking yourself out of the habit of
doing it the other way can be extremely difficult. Habits are habits because
you have become accustomed to doing them time and again. It is never easy
to change things that have become ingrained without a conscious effort
to do so.
Even reading this, you are probably saying to yourself that it makes
sense and should be easy, but the chances are that after reading this,
you will fail to act to change any of the things that you currently do.
Change usually makes people uncomfortable and unless they have a compelling
reason to change, they probably won't do so.
While all this may sound negative, there is also a huge positive in it
all. If you can change a money wasting habit into a habit that saves money,
you are likely to continue to do it. It will get ingrained into your daily
habits and eventually you will do it that way without even thinking about
I challenge you to take a look at yourself in detail this week. Look
at the things that you do on a daily basis and how they affect your finances.
Then think if there is a way that you can change that habit so that it
doesn't cause you any more time or effort, but can save you money. If
you can find one or two a week and make the change (and eventually turn
it into your habit), I will bet that you finances look a whole lot rosier
in a year's time than they do at this moment no matter where your current
finances may fall.
Jeffrey Strain is the owner of SavingAdvice.com, a website dedicated
to saving you money, and also writes the daily updated blog Personal Finance