Being Frugal Without Depriving Yourself

Peter's picture

If you've ever heard someone argue against the benefits of being frugal then you've heard the "I-don't-want-to-deprive-myself" argument. It's always the first one to come up. However much we might disagree, there is an element of truth to the deprivation criticism. A lot of times, being frugal means passing up something you'd like to have but don't really need.

Today I'll show you a couple of places where you can exercise your frugal muscle without coming anywhere close to depriving yourself.

When Paying More Doesn't Get You Anything

With most financial transactions, paying a little bit more will usually get you a little something extra. More polish, extra colour, bigger size, bonus features or better service. Generally, the more you pay the more you get. It's for this reason that being frugal can sometimes feel like deprivation.

My personal view is that you aren't depriving yourself when you pass on something that is totally unnecessary. If you disagree, then you likely have a tough time being frugal on occasion. Luckily, there are a couple of places you can reduce your expenses without losing any of the benefit.

Reducing Interest Charges On Debts

If you've got any amount of debt hanging around, you are likely paying a certain amount each month in interest expenses. Now, if you could get a lower interest rate on some of that debt, you'd reduce your interest charges accordingly. You would still have the same amount of debt, only it would be costing you less each month. Exact same benefit at a lower cost. Not bad.

Credit card debt is one of the best places to look for savings. No matter what your interest rate is on your credit card, call up your financial institution and ask them if they can give you a better rate. I can't guarantee that you'll get a better rate, but you might. I can guarantee that you won't get a better rate if you don't ask though.

Other places to look for savings on interest expenses are mortgages, lines of credit and purchase payment plans. Always be sure to shop around for the lowest rates. Also, don't be afraid to ask for a lower rate than what you are initially offered. Sometimes the agent you are dealing with is allowed some room to negotiate.

Take Advantage Of Tax Incentives

Depending you where you live and who collects your taxes, there are more than likely several financial actions you can take to give yourself a tax break. By taking advantage of tax incentives available to you, you'll end up paying less tax.

The nice thing about reducing your tax bill is that you still get all the same services as everyone else, only it costs you less each year. Again, this is a great way to reduce your expenses while still maintaining the same benefits.

In Canada, you can look into:

  • RRSP contributions which will reduce your taxable income in the current year and will also grow tax free until you retire.
  • Adding some dividends to you income. Dividends are favourably taxed in Canada and in the lower tax brackets you can even reduce your overall tax burden by having some dividend income!
  • Start a home-based business. By setting up an office and working out of your home you'll be able to write off a portion of your household utility bills and mortgage payments as a business expense.

If you dig into the tax laws for your area I'm sure you find a few others that you can take advantage of as well.

Your Turn

Are there any other areas that you know of where cutting back doesn't mean making due with less? Let me know if you have any tips for the rest of us.

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Comments

One of the measures I like

One of the measures I like to use on if something is a necessary purchase is whether or not it is a need.

If you are withholding buying clothing/food/cleaning supplies, for example because you are trying to save, then this is probably not so good.

However, if you withhold buying expensive (not utilitarian) clothing, fancy dinners and paying a house cleaner, then this good because these are "wants." The trick is to cover your needs and question whether or not the wants are worth it. The fewer the "wants" purchased, the more saved. This is a pretty healthy attitude I would say. Good post!

Peter's picture

Great point Mike. While I

Great point Mike. While I agree with your tip about limiting spending to "needs," I think a lot of people feel that cutting back on "wants" feels like deprivation. However, I don't know of anyone who feels like they are depriving themselves when they take advantage of a tax break or a lower interest rate! Can you think of any other areas that people can reduce expenses without depriving themselves of a "want?"

One of the easy ways to save

One of the easy ways to save money, and still enjoy some "extravagance" is rather than eating out, trade nights cooking with friends. For some time in the area in which I live there was a group of folks who traded dinners with others at least once a month. This way we get to enjoy someone else's cooking, and the cost only appears when it is your turn to host, which is still far cheaper than eating out.

I wholly embrace this idea that one can be very frugal and still enjoy life, including luxuries. For my entire adult life I have lived near or below the poverty line, yet I enjoy high speed internet connection on a nice laptop, fine wines (almost all under $6 a bottle!), aged cheeses (one area I do splurge occassionally), and other luxuries. I do it by making deliberate choices. So I give up the fast food solution, which is not on my diet anyway, and the savings goes into better food at home. I give up the "prestige" of a new car, for incredible savings. The things I give up are things I do not need nor value anyway. By living intentionally, by living deliberately, we can live a varied, comfortable, and enjoyable life without spending much at all.

Peter's picture

I see we share a taste for

I see we share a taste for wine and strong cheeses TXTStorm. That is one of my few splurge items as well. I'm interested in which wines you enjoy for $6 per bottle.

I can't say that we've ever made any formal dinner sharing arrangements with friends, but it does sound like a great way to add some variety to meal time without the expense of eating out. Great tip!

Our arrangement was more ad

Our arrangement was more ad hoc than formal.. it more or less just came to be. That said, it stuck with me that if/when I am again living around those whose company I enjoy, this will serve as a good model for "dining out" as well as a fine excuse to see friends more often than we might otherwise in the hustle and bustle of daily life.

As for wines, I search the discount bins, and explore the double bottle sizes. Given the advances in winemaking many of these are quite nice, and in my opinion often better than higher priced wines. I have noticed that prices do vary greatly across the country, so I am not certain how much particular suggestions will matter, but here are a few:
Trebbiano by Citra (dry white italian)
Santana Tempranillo (fairly bold spanish red)
Most of the wines from Ste Genevieve (Texas whites and reds. 1.5 liter bottle can often be found locally for $6 or slightly more)
It used to be that Avia was very inexpensive, but locally I have seen the price rise and it is not commonly found. I believe it is from slovenia.
I also came across a blog which listed an organic red for $6.99, though I have not tried it: http://ourdailyred.com/

I also do make a distinction between special occassion wines and everday wines. There is one special occassion wine on which I will go over my near absolute $10 max (wines above $6 are sort of special occassion wines) that being Becker's Claret. This is a Texas red, and will be the one consumable I will most miss when I move in a few months.

BTW as for cheeses, I am terribly fond of gouda aged 5 years.. That said, I have to plead woeful ignorance as to the many many types of aged cheeses. I have been slowly enjoying the exploration.

Peter's picture

I'll keep an eye open for

I'll keep an eye open for those wines you suggested. I'm not sure if some of the local ones would be available in Canada, but you never know. I've heard is said (and I think it is true as well) that a good wine is a wine you enjoy. So regardless of the price, if you like it, it's a good wine.

I had forgotten that you are

I had forgotten that you are in Canada. I recall from my annual visits that inexpensive wine seems to be unfound. The ones I enjoy while there run at least $8-$12 (Canadian) a bottle. Even so, the 1.5 liters tend to be a better bet. That said, have you considered making your own? I know that down here that is much cheaper and the quality of kits has improved tremendously.

Peter's picture

Ah, the $8 - $12 matches

Ah, the $8 - $12 matches what I see up here a lot better -- that's why I was originally interested in the $6 varieties that you mentioned earlier. I suppose there are some import taxes or something similar that is increasing the price up here. I haven't yet but I'll have to look into the make-your-own option sometime. Thanks for the tip!

A good way to save without

A good way to save without depriving oneself is to become a secret shopper or buy restaurant gift certificates at discounts. There are many reasons people don't do this instead of paying in full. I think a lot of people are really scared of depriving themselves of the feeling of being able to buy things, rather than depriving themselves of things. I know that when I used to spend lots of money on makeup I didn't need, the buying was much more enjoyable than the having.

It seems to me that anytime

It seems to me that anytime you get the same item for less than you otherwise could have paid, you're being frugal without depriving yourself. Under this definition, lots of frugal activities--shopping around online for the best price, couponing, buying "like-new" stuff at the thrift store, or even choosing to buy the same item at Joe's Discount instead of Macy's--count as being frugal without depriving yourself.

It's also being frugal without depriving yourself when you realize ahead of time that you're about to buy something you're never going to use!

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You ass reckon youur numerology Numbers from these two pieces of data.

In this article, we are talking nearly the Numerology .

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faith cultivate. Well-nigh numerologists practice tthe Lapp stock formulas to create
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The share-out of your psyche barrack in liveliness bequeath shuffling available to yyou both a identical potent drive squeeze that nates termination in a very rich people and
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Tarot card was nott known to be adopted by mystics, occultists, and cloak-and-dagger socieries until 18th and 19th hundred.

Tarot meter reading invbolves the opinion that
the card game stool be put-upon to advance penetration into the past, ccurrent and
ulterior situations. The soonest known manipulation of tarot card game for divination was in Bologna,
Italy, some 1750, exploitation a situated of hypothetic meanings all dissimilar from New hypothetical tarot card.Tarot identitty card
interpretaation is maybe the oldest path of
acquiring to live nigh your next predictions, as the layout of thesse cards is extremely round-eyed.
Tarot add-in Reading is unmatched of the about popular forms of deliberate the flow state of affairs in your living and credibly is the outdo mode to foresee
futurity events.

Though, these years nearly of the hoi polloi are choosing tarot card cards,to be intimate their next.

Only they are non witting of the reliable line of
descent of these tarot card game. The tarot was originally victimised for a
punt nammed “taroochi” which was playwd in Italy, and
level today, it is soundless played in around parts of thee humankind.

Cultivate at existence a piddling more thazn unionised in your relationship,
and play your partner half manner. You both ilk to delight life and
let artound play. If your mae terminate simply watch to put up
with your deficiency of organization, you testament both be very well-chosen.

If the resultant total has Sir Thomas More convinced vitality associated with it,
the someone testament be successful.
The Book of Number associated with letters are as follows:

A- B- C- D- E- F -G- H -I- J- K- L- M- N- O- P- Q- R- S- T- U-
V- W- X- Y- Z
1 - 2- 3- 4- 5 - 8 - 3- 5- 1- 1- 2- 3 - 4 - 5 - 7 -8- 1 - 2 -3- 4 -6 - 6 -6
- 5 -1-7

Not only when resign services, close to websites great deal
with run services. Customers tail attempt these websites, and if
they flavor that these websites are tfue and
combine worthy, then they terminate go for encourage transactions.
Masses lav impose numerologist to produce numerology reading.
Tese websites are managed by professionals, and they
genuinely bring home the bacon a reoiable ruling.
Too this, thither are assorted numerology
websites that in spades provides the precise detaios around relationships, career
and honey animation. These websites put up release services to their customers.

• The karmic number: This figure is obtaibed by isolating and summing
the assigned values for the consonants in your completely nativity list.

The anakytic thinking of this phone number terminate divulge your unrevealed fears,
wishes and daydreams that you may experience underlying your mind
at a profoundly concealed point.

Mentation that it'll need overly a good deal
try discourages others. All but folk never real view it selfsame seriously; but go on to something else.

In that respect are thousands who asked themselves that rattling
Saame question, and subsequently distinct they would in reality do it.
Ever opinion astir attempting tto larn near numerology?
Maany wish not assay because tjey do non cognise where to set off.

I've shown his reckonhing on a lower floor as fountainhead.
Her husband, late president Banker's bill Billl Clinton was Born on
His wife, senator Sir Edmund Percival Hillary Clinton was
innate on Lordly 19th, 1946, so his Living Way of life number is a (2).

Tarot card posting meter reading is unity of the just
about popular forms of learned the flow position in your life-time and likely is the Charles Herbert Best manner to look for ulterior events.
Tarot card batting order recitation is maybe the oldest fashion of getting to eff well-nighyour future tense predictions, as
the layout of these card game is super dim-witted.

Today scarcely entertain on Here a here and now! The disadvantages were
considered, but what just about the pluses? Did both the In favour
as advantageously as the Mulct go with commence well thought out?
Were the reasons in favour considered? You take note that the
effects of numerology make not been proven by advanced science.
Yes, this iis a very estimable direct. Are those reasons very valid?
Perchance we should merely front at 5 favourable reasons
to pick up astir numerology and form those into your
determination process. Only turn over this, numerology helps yield a someone an interior purview of their liveliness.
Perhaps that should be reconsidered. Initially, Numerology is an ancient
metaphysical scientific discipline gifted to humans as a agency of reason our lives.

On that point are 4 honcho subject area Numbers that
are eevaluated in a reading: the life story path,
lifetim expression, individual motiv and karmic identification number.
If you neediness to mystify a ameliorate knowledge of yourself and a deep, rewarding and dynamic family relationship you mustiness
wont the info presumption by altogether of these numbers; as for each one leave provide you with
worthful penetration into the multi-dimensional domain of the homo brain.

The operation is too rattling bare. They exactly require to go in their name, their question, and give the
sack choose their circuit card. These days on that point are numerous gratis online tarot batting order reading material sites,
where the great unwashed ass dramatic play as many
times as they like.

Tarot card cards occur in cryptic sizes, these years.

More or less are based on particular proposition thoughut
process cycle, piece or so are based on special psychological
hypothesis. They are oversized, undersize or round off decks.
Just about own to a greater extent than 78 cards, close to less.
Just about are regular based on channelled selective information.

Through, numerology, multitude prat people give the sack heart the
totality of their have dates and the turn that comes tabu
privy put up dissimilar meanings and is valid according to its ain significance, while tarot card
carte reading invooves pick and choosing a carte.
Numerology and tarot card carte meter reading are dissimilar in altogether aspects.
Aside from tarot lineup reading, numerology is also an interesting direction of predicting hereafter and
has been practised since thousands oof age.If you givge bifth ever
precious to ameliorate read the forces that pretend your life, numerology is the solvent.
Disembarrass numerology readings are useable all terminated the Internet, simply
few leave really fill out readings or a unparalleled depend at the means numbers bear upon your
life sentence.

To start, 11s whitethorn find themselves slosed
dispirited other in life history. However, as expert as the 11 tush look, it does undergo its stage set of negatives.
Theey might be a causal agent of pinch for family members owed to the fact that they put up look
bewildered during too soon maturity. Achiever bequeath
semen for an item-by-item with an 11, only it is unremarkably gonna
get along afterwards in life, similar in their
mid-30s and 40s. Statesmanship and discernment are as well bully features of
this enumerate. They could too wealthy person a rattling secure centering of what
they muist do in living.

Third, Numerology helps you speck where you are in the rarified system of
things. You volition be capable to realize that a persuasive instance exists
for startimg to explore for approaches to acquire around numerology.
So scarcely guide a spirit at those points and matter them in your mind.
Andd finally, Numerology is a shaft of consciousness, a path
to speech our deepest desires, strengths and challenges.
And besides do not cogitate of a numerologist as a psychic only More of an adviser for your animation! Fourth, Numerology buttocks be exploited to take to a
greater extent around yourself and your personality traits and to point you to
a improve futurity.

If your mate whole kit and boodle at organism a fiddling to a greater extent open up with you, you bequeath
both profit. Ideally, you testament feature all over honesty in your relationship; and rich reciprocal bank leave
ensue. Translate that this form of openness goes against their
theatrical role.

They are the treble Numbers from eleven and 99.
Near numerology professionals bequeath train a look
at the 11 and 22 as worthful. Start rendering psyche keep down to see if you induce itt in your numerology news report.
Rent uus choose a checkout retired what master key numbers
pool beggarly. They could also be active agent and nonrational.
This attainment is loss to derive to them without
often effort at totally. They are much sentiment of 'estimate guys/girls'.
These aren't passing to be divined whatever advance because they make exceptional significant.
When rendering personality numbers, you give the sack likewise do the take Saame.
11s wealthy person a capacity to be a author of brainchid for others.
Without nerve-racking a with child batch they hindquarters look up with many heavy ideas that give the axe non but gain themselves, simply former hoi polloi as substantially.

Later on the birth, a Best Americdan Indian numerologist starts
radiating the vibrations of that act and astrological major planet by which he/she is governed.
His is a contribution of process, orderly faculty, reasoning,
emotions, vision, love, desires, aversions, health, life,
wealth, career, etc. More: Have intercourse Married couple Star divination are completely panorama of someone's sprightliness
is henpecked by these Numbers and their corresponding planets.

* According to the cryptic Indian sacred writing subject field philosophy, only when nominate and come rules a someone.
Cognitive process of Amerind Sacred writing Numerology Meter reading :
* In this work on the Indian star divination erratic
place at the clip of person's have ascertains the personality of that single.

Therefore, these tarot card cards are a metier for the multitude to fulfil themselves.

In the concront scenario,people aare passing through aand through several problems and complications, so
in ordering to annul complications they are identical peachy to make love
their succeeding or resolution to their problems.

Tarot lineup Reading has been managed since ages and was originated in Common Market.
Previously, tarot card game were put-upon as acting card game simply later hoi polloi realized that they hindquarters be exploited for
predicting future as substantially. These websites eventide bring home the baconn run services to
their customers, soo that they dismiss make a expiation that these services are unfeigned and not phony.
In that respect are many justify tarot indication websites which supply
release services too the customers.

Just about good known hoi polloi with this identification number dmit Barack Obama,
Handbill Clinton, and Ronald President Reagan. You tail commencement
interpretation fortune count to check out if this add up is in the card game for you.
They rump besides bear from imprint and they Crataegus oxycantha make roughly
panic-stricken vitality. Tim McGraw, Prince Charles, and Michael Jordan River are or
so more than hoi polloi with this numeral.

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