Archive for category frugal life

How to Do Your Laundry & Save Money

If you want to do your laundry and save money, you will have to utilize the right methods in order to achieve success. People who live frugally and are only interested in saving money enjoy doing their laundries in great laundromats. Of course, great laundromats are the ones which allow people to do their own laundries and save money. Good launderettes need to depend on extremely frugal ways in order for them to do their weekly laundries so that they can save enough money no matter where they live. Here are some great tips on how to do your laundry and save money in the future.
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How to Live Without a Car While Saving Money

Humans don’t have to live in big mansions in order to feel special. Unfortunately, this current generation has produced many covetous men and women who value expensive cars or houses more than human lives. Some Americans spend hefty billions of dollars on pets annually and the numbers will increase as this world heads to its final destruction. Without a doubt, you don’t need to live in a nice mansion and own a new BMW convertible before you can become a very happy individual in America as many homeless entities in its Western region are living stress-free lifestyles. Your way of life can still be improved if you are not a multimillionaire in Manhattan, New York or Los Angeles, California. It is a fact that not all Americans make $500,000 a year so relax and put your faith in the Lord if you are not rich already. Efficient savers are likely to increase the deposits they make into their Wachovia savings accounts especially if they are avoiding expensive auto loans that are offered by capitalist companies. If you want to live without a car while saving money, make sure that you are depending on the best frugal tactics. Anyway, check out the excellent tips below so that you can start living without a car while saving money yearly.


  • Move to a big city which possesses tall buildings if you want to live without owning a car that can cause you to make auto loan payments monthly. You need to move to New York City if you want to avoid driving your own car to work every morning during weekdays. Subways and buses prevent many New Yorkers from buying their own trucks and sedans so that they can finance them with auto loans. If you currently reside in a small U.S. town in Montana, you will probably encounter problems when planning to live without a car. Inhabiting the wrong area in the U.S. may cause you to apply for auto loans in the future.
  • Switch your lifestyle to a very frugal one if you want to live without a car while saving money annually. Maybe, you should buy a cheap motorbike and avoid dreaming about owning large vans and coupes unless your standard of living is appreciating. People who love living frugal lives don’t have to worry about gas prices at all. Generally, frugal people choose to own bikes instead of driving the latest sedans that are manufactured by German automakers. If you practice mean frugality, the monthly auto loan payments you are supposed to disburse to your lender will probably make it to your interest-bearing savings account.

How to Make Purchases With a MasterCard Credit Card

Are you using HSBC or Bank of America MasterCard credit cards for making purchases on a daily basis? You will have to use frugal techniques for handling your MasterCard credit cards if you want to save money as a consumer. Banks like Capital One and HSBC issue MasterCard credit cards to consumers every week but they use practical ways for controlling their liabilities. When banks hand credit cards to consumers, they expect to make profits from the actions they take. No bank will issue bad credit cards which have high interest rates to consumers who want to build credit history records and abhor generating profits from its actions. If you are an active consumer, you must make purchases with a MasterCard credit card while remaining frugal. Here are some smart hints on how to make purchases with a MasterCard credit card without becoming wholly broke.
TOKYO, JAPAN - APRIL 14:  A Mobile Phone with credit card function is place on a reader to purchase products at Yodobashi Camera, at one of the world's biggest electrical appliance and equipment towns, on April 14, 2006 in Tokyo, Japan. Japanese communication company, NTT DoCoMo provides mobile phones with both credit card and prepaid service on mobile phones where customers can shop without carrying their actual wallet. NTT DoCoMo has 12 million users using mobile phones with wallet functions. (Photo by Junko Kimura/Getty Images)


  • Shop for necessities you need and avoid living an extravagant lifestyle. You must be willing to buy products you need to possess. Consumers who want to buy goods they want with MasterCard credit cards that have high interest rates are only going to increase their chances of filing for bankruptcy eventually.
  • Make purchases with MasterCard credit cards wisely. Use safe ATM machines for withdrawing enough funds from your MasterCard credit card so that you can make certain purchases with physical cash. Always use bank ATM machines for withdrawing money from your credit card accounts if you want to save money on surcharge fees. Also, shop with your credit card on internet websites which are safe if you want to become a virtual shopper. Walmart, Sears and Best Buy operate safe online stores you can use for ordering Sony digital cameras during Christmas seasons.

How to Buy Quality Clothes by Frugal Ways

Do you want to buy cheap vintage clothes at affordable prices? You must always make sure that you are using unique ways for buying quality clothes regardless of your gender. Men and women must buy quality clothes by frugal ways if you they are planning to save money in their bank accounts. You will not be increasing your net assets and controlling sufficient funds in your Bank of America or Wachovia checking account if you are not analyzing your spending habits by tactical ways. If you want to buy extremely quality clothes by depending on frugal tactics, then check out the incredible information in this shopping article.

Men trying on suits


  • Use great bargaining methods to find deals that are made by stores which sell quality clothes to consumers. Macy’s and Marks & Spencer stores are filled with some quality brand name clothes you can use bargaining techniques for acquiring. If you want to buy quality clothes by frugal ways, shop practically so that you can save enough money eventually. It’s fairly important to shop for new Levi’s pants and Lacoste polo shirts during summer seasons. Macy’s stores are likely to offer good ask prices for clothing they are selling to consumers when summer seasons emerge in the U.S. Winter seasons may produce opportunities for Americans to save money on quality brand name clothes that are sellable through renowned clothing stores.
  • Buy new quality clothes quarterly if you want to practice sheer frugality. It is important to shop wisely when planning to buy semi-expensive quality suits and pants that are designed by designers like Hugo Boss and Calvin Klein. You must make sure that you are not purchasing new business suits every week if you are planning to live a frugal life in Manhattan, New York or Los Angeles, California. Design a tactical personal budget if you want to save money on clothes you buy from Macy’s stores every month. Use a powerful Quicken personal finance software for designing workable budget systems which will save you money every year.

How to Make Your Own Leather Clothes

Making your own leather clothes can allow you to save money while living a frugal life. If you are planning to live a frugal life by saving money on petty clothes, then you should make your own. Unfortunately, making your own leather shoes, belts or clothes is not an easy thing at all. You will have to have access to the right materials before you can design a simple leather jacket for fighting extremely cold weather seasons. Here are some excellent tips on how to perfectly make your own leather clothes without practicing taxidermy.


  • You may not be able to quickly put together a leather sofa. However, making your own leather clothes can be done through relying on simple orthodox ways. In the olden days, men and women wore clothes which were fully made up of the skins of wild animals. The hides of goats, cows, snakes and bears can be used for making beautiful clothes. So, the furs of bears can be taken and used for making clothes.
  • Basically, start rearing your own animals so that you can kill them for supporting unique purposes. Kill bears and utilize their hides for making your own leather jackets so that you can save money on clothing. You should be planning to live like a caveman in the future.
  • Usually, skinning bears can be pretty easy when using the right knives.
  • Dry your hides or furs after washing every matter found on them. Drying hides in the sun can kill off all bad smells they produce. Don’t use any spray or liquid substance to clean your leather because of its unpleasant smell.
  • Bore holes through original leather materials and use strong strings to hold them as your shirts or whatever type of clothes you form them into. If you have access to dry hides, turn them into your clothes during winter seasons. Essentially, there is nothing wrong with living like a caveman in our current contemporary world.

How to Stop a Foreclosure Soon

Stopping a foreclosure from ruining your life should be very important to you if you want to live the American Dream in the near future. Do you want to purchase a new home and worry about a potent foreclosure for the rest of your life? Some homeowners who are living in America are not the happiest individuals even though they don’t have to worry about monthly rents. Just because you are able to buy a new house with a fixed-rate mortgage loan does not necessarily mean that you will be able to escape a foreclosure battle when the world economy slips into a total turmoil. Stopping a foreclosure allows you to maintain a new home after acquiring it with a mortgage loan from a good financial institution like Bank of America. If you are looking to stop a foreclosure soon, then the information below should be important to you.


  • You are not going to escape a foreclosure if you are wholly naive. Don’t drive expensive cars when you have a definite mortgage loan to handle and its terms or high interest rate is giving you headaches. Homeowners who apply for mortgage loans need to live frugally. Spending your money on unnecessary products will cause you to experience big problems when aiming to start paying off mortgage loans. Naive consumers are usually spendthrift even after they apply for mortgage loans so many of them will not be able to own homes for prolonged years. You are supposed to save your money when aiming to buy a house or else your bank will be harassing you in the near future. So, adjust your current spending habit in such a manner that you are able to save money even during seasons your country is constantly encountering an economic crisis.
  • Foreclosures can be avoided when borrowers of loans do not default on their payments. Many greedy lenders will be willing to put some borrowers in huge troubles if they do not receive their monthly credits. Hence, it is important to maintain active financial accounts when planning to pay your monthly mortgage without facing any major issues. Open the right checking accounts and relocate mortgage payments from them to lenders on time in order to avoid increasing your chances of facing a foreclosure war. Citibank and HSBC will always give you a chance to own active checking accounts even if you don’t live in the U.S. or U.K.

How to Stop Watching Silly TV Shows

If you are living in America, it is time for you to stop watching silly TV shows before you become mentally-challenged in the approaching months. People who spend their time watching the wrong cartoon shows are only increasing their chances of becoming awful degenerates. You will have to avoid watching silly TV shows in order to increase your chances of becoming very smart in the future. Some of America’s brightest students are not huge fanatics of TV shows because they spend their time indoors reading books they borrow from libraries. Televisions are supposed to ruin your life if you live in a very developed world and cartoons you watch are filled with ultra violence. The poor people who do not have expensive HDTV television sets and live in the Third World are probably safe from the dangers which are faced by many Westerners these days. You should stop watching silly TV shows if you want to avoid committing suicide in the approaching months. Here are some excellent tips on how to stop watching silly TV shows in the near future.
Couple Watching Television

Some people find Family Guy and South Park to be silly but funny. Others enjoy watching both TV shows because they are filled ample crass and unbelievable scenes that can be considered outright offensive. Well, you are going to be doomed forever if your source of happiness comes from watching TV shows which promote violence, utter racist ideas, pornography and other uncultured acts. You should be interested in reading a good book which makes sense if you want to stop focusing on silly TV shows which brainwash dummies to yearn for things they do not need at all. Are you watching MTV Cribs and filthy mansions are being shown to you? You are living a life that is full of fantasies if your favorite TV channel is MTV or BET.


Live a very frugal life if you want to avoid watching silly TV shows which are broadcast through so many channels these days. If you sell your TV and obtain a library card in the future, you will probably derive your entertainment needs through reading beneficial books that are written by scientists or theologians.

How to Stop Utilizing Credit Cards

The utilization of MasterCard and Visa credit cards should always be performed the right way. If you have access to excellent credit cards, you will encounter debts on them when using them to pay off your high monthly bills. Many consumers who live in the United States of America cannot live without possessing credit cards and are currently in debts. Federal debt relief programs help some credit card users to avoid filing for bankruptcies in capitalist nations like the United Kingdom and the United States. However, don’t depend on debt consolidation programs when carrying credit cards that possess high interest rates. If you decide to stop utilizing credit cards, then make sure that you create a plan which allows you to do that.
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  • Don’t establish a credit history at all. Establishing a credit history will only boost your interest in acquiring capital from banks like Bank of America and Chase. If you really want to avoid applying for Visa credit cards from Wachovia or any FDIC-insured bank, then avoid avoid analyzing or checking out any offers which come from greedy financial institutions. Some financial companies setup websites which allow them to offer bad credit card applications on the internet so that consumers can utilize them and apply for capital. Such websites should be avoided by wise consumers who don’t want to use credit cards in the future.
  • Also, don’t move to a place filled with so many ATM machines. Control your interest in living in cities like Los Angeles and Manhattan before you end up with a credit card which has a high interest rate affixed to it. Move to a rural location which allows you to bank frugally and you will probably stop utilizing credit cards to handle your monthly expenses. A consumer who depends on a personal budget needs to live a frugal life. Basically, some credit card withdrawals increase cash advance fees and cause consumers to encounter huge debts at some later time. High levels of debts can endanger the credit scores of consumers.
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