A Frugal Journey

I've been asked by people, why chose a frugal lifestyle?  I suppose for each person it is different, but for me, it was a chance to stop the endless cycle of debt.  I had student loans, car loans, and credit card debt that circled like a cloud over my head that I could never seem to escape.   I was using credit cards to pay for clothes, gifts, emergencies, car repairs, co payments on health care, and the inevitable yearly Christmas shopping.  I was stuck on a financial merry go round, and I had no idea how to get off.   I knew I was paying out a lot in interest every year, but it wasn't until the credit card companies started listing how much I was paying yearly in interest on my bill did I really sit up and take notice.  I started reading things from the experts, tried to create a budget, and tried to pay off my highest balance credit card first,  all the things that you are supposed to do.  I failed miserably.  At the end of the first year, I was no further ahead then when I started.  All that money I worked so hard to pay off, I charged back up again, when I ended up out of work for 4 months.  It's embarassing to admit that I failed. 

I've learned a few things about how money works in the meantime, and I am once again working toward my goals of being debt free.  Instead of paying down my credit card debt down right away, I put money aside for emergencies in a savings account I can't access easily.  That way I won't end up right back where I started.  After that I started paying down my debts.  I cut out all the incidental spending.  I stopped going to the gas station for coffee on my way into work,  I stopped eating fast food for lunch and getting a Route 44 drink everyday from Sonic.  I no longer run to the convenience store at the corner and spend 3 times more for the item than I should, just for the convenience. I stopped drinking soda, and now make my coffee at home and take it to work in a reuseable cup.  I bought a tap water filter so I can fill my reuseable water bottle right from the tap.

Not only do I set a budget each month, I plan out my shopping. The sales ads I used to toss in the trash are now checked weekly for items that are on sale.   My pantry and freezer are stockpiled full, as are the toiletries cupboards in the bathroom.  What might really surprise you is that most of it is name brand items.   I've learned to buy several of one item at a cheaper price, when things are on sale, and matched up with coupons.  The key really is planning. It takes an extra hour or so of my week, but is worth every second of that time.  When I want or need something, instead of going shopping, now I search out used items on Craigslist and Listia. Sometimes I go to garage sales with a list of things I am looking for.  I made almost all of the gifts I gave for Christmas.  Instead of buying books, or renting movies, I go to the library where I get them for free.

I finally feel in control of my life and my spending has stopped spiraling out of control.  I am learning to live within my means, with a little help and encouragement from friends.  I still struggle, and I am still tempted, I desperately want to buy a new car, but I have promised myself I will not take on anymore debt until I can afford to do it comfortably.  It was a good thing too, because recently I had to leave my job, and I am in the process of starting a new journey.  I started this blog to share my journey, and pass along the little tips that are helping me along the way. 

So frugal friends, what are you trying to accomplish on your journey? 

Grocery Sales Cycles from our Frugal Friend LivingRichlyOnABudget.com

January
National Oatmeal Month: Quaker
Diet Foods: Healthy Choice, South Beach, Lean Cuisine, Special K, Kashi, Smart Start, 100 Calorie Packs, Yogurt
Super Bowl Sunday: Pepsi, Coke, Chips, Dips, Cheese, Sandwich Items, Crackers, Snacks, Wings
Seasonal Produce: Oranges, Pears, Grapefruit, Tangerines, Broccoli, Carrots, Cauliflower, Celery, Chard, Collards, Kale, Kiwi, Avocado, Cabbage, Spinach
Clearance: Christmas Decorations, Toys, Wrapping Papers,
Winter Health: Cold Medicines and Vitamins

February

National Canned Food Month: Canned Fruit, Pie Fillings, Vegetables, Meats: Tuna, Chicken, Salmon
National Hot Breakfast Month: Malt O Meal, Oatmeal, Eggo Waffles, Syrup
Valentines: Chocolate, Hershey’s, KY Lubricant, etc
Chinese New Year: Soy Sauce, Teriyaki Sauce, Noodles, Canned Water Chestnuts
Seasonal Produce: Artichoke, Asparagus, Raspberries, Potatoes, Strawberries, Broccoli, Carrots, Cauliflower, Celery, Chard, Collards, Kale, Kiwi, Avocado, Spinach

March

Frozen Food Month: Ice Cream, Frozen Vegetables (Boxed, Bag, or Steam), Frozen Meals, Foster Farms Chicken, Waffles, Pizza
Seasonal Produce: Artichoke, Asparagus, Haas Avocado, Broccoli, Cabbage, Carrots, Cauliflower, Celery, Chard, Collards, Fennel, Kale, Leek, Lemon, Lime, Mushrooms, Spring Onions, Orange, Peas, Radish, Rhubarb, Spinach, Strawberries, Tangerine

April

Easter: Ham, Eggs, Spices, Baking Supplies: Sugar, Spices, Baking Mixes, Chocolate Chips, Butter, Coconut, Marshmallows, Brownie Mix, Cake Mix
Earth Day: Organic Foods, Energy Saver, Reusable Totes
Seasonal Produce: Artichokes, Asparagus, Beets, Broccoli, Cabbages, Carrots, Grapefruit, Haas Avocado, Mushrooms, Onions, Peas, Rhubarb
Clearance: After Easter sales

May

Print what’s on sale for May only here.
Memorial Day: BBQ Sauce, Condiments, Charcoal, Salad Dressing, Potato Chips, Dips, Grilling Meats, Hot Dogs, Hamburger Meat, Marinade, Salad Greens
Paper Products: Plates, Utensils, Insect Repellant, Sunscreen
Cinco De Mayo: Salsa, tortillas
Seasonal Produce: Artichokes, Asparagus, Avocado, Beans, Green, Beets, Blackberries, Carrots, Sweet Vidalia Onions, Peas, New Potatoes, Raspberries, Strawberries

June

Print what’s on sale for June only here.
National Dairy Month: Eggs, Milk, Ice Cream, Cheese, Cream Cheese, Butter, Yogurt, Whipping Cream, Whipped Cream, Cool Whip
End of June is Fourth or July Sales: Hot Dogs, Hamburgers, BBQ Sauce, Ketchup, Condiments, Charcoal, Salad Dressing, Potato Chips, Dips
Seasonal Produce: Apricots, Blackberries, Blueberries, Boysenberries, Cherries, Corn, Cucumber, Eggplant, Grapes, Honeydew, Nectarines, Peaches, Potatoes, Raspberries, Red Onions, Squash, Summer, Strawberries, Sweet Vidalia Onions, Tomatoes, Watermelon

July

National Ice Cream Month
More 4th of July BBQ Sales: Hot Dogs, Hamburgers, BBQ Sauce, Ketchup, Condiments, Charcoal, Salad Dressing, Potato Chips, Dips
End of July: Back to School Sales Begin: Crayons, Pencils, Folders, Binders
Seasonal Produce: Asian Pears, Bartlett Pears, Beans, Green, Blueberries, Corn, Cucumber, Eggplant, Figs, Garlic, Grapes, Nectarines, Onions, Red, Valencia Oranges, Peaches, Sweet/Bell Peppers, Plums, Potatoes, Summer Squash, Tomatoes, Watermelon

August

Back to School: Pudding cups, Lunch meat, Lunchables, Bread, Cold Cereal, Waffles, Lunchboxes
Disinfectant: Clorox, Purell
Clearance: Insect Repellant, Sunscreen, charcoal
Seasonal Produce: Gravenstein Apple, Haas Avocado, Green Beans, Beans, Berries, Corn, Cucumber, Eggplant, Figs, Grapes, Melons, Onion, Peaches, Bartlett Pears, Bell Pepper, Plums, Raspberries, Squash, Summer, Tomatillo, Tomato

September

Back to School Sales through Labor Day: Crayons, Pencils, Folders, Binders
Diabetes: Bayer Glucose Meters, Glucerna Cereal
Seasonal Produce: Apples, Artichokes, Beans, Bell Peppers, Chili Peppers, Cucumber, Eggplant, Grapes, Onion, Valencia Orange, Asian Pears, Bartlett Pears, Pomegranate, Squash, Tomatillo, Tomatoes, Winter Squash
Baby Items: Major Baby Equipment, Baby Safety

October

Halloween: Candy, Fresh Pumpkin
Beginning of the Baking Sales: Canned pumpkin, Evaporated Milk, Baking Chips
Daylight Savings Time Ends Promotions: Alarm Clocks, Batteries, Safety Equipment, Smoke Detectors
National Seafood Month
Adopt a Shelter-Dog Month: Pedigree, Purina
Seasonal Produce: Almonds, Apples, Artichokes, Arugula, Beets, Broccoli, Brussels Sprouts, Cabbages, Chard, Chestnuts, Cranberries, Lemons, Parsnip, Pears, Pomegranate, Potatoes, Sweet Potatoes, Pumpkin, Spinach, Squash, Winter, Turnips, Yams

November

Hot Cocoa, Coffee, Tea
Baking Sales in Full Swing: Nuts, Chocolate Chips, Evaporated Milk, Sweetened Condensed Milk, Coconut, Cake Mixes
Canned foods: Soup, Broth, Vegetables, Fruits, Spaghetti Sauce
Thanksgiving Items: Turkey, Canned Pumpkin, Stovetop Stuffing, Betty Crocker Boxed Potatoes, Gravy Mixes, Frozen Pies, Cranberry Sauce, Jello, Marshmallows
Seasonal Produce: Anjou Pears, Beets, Broccoli, Brussels Sprouts, Cabbages, Carrots, Celery, Comice Pears, Cranberries, Kiwi, Lemons, Orange, Potato, Squash, Yams
Clearance: After Halloween Sales

December

Holiday Dinner: Egg Nog, Deli Platters, Instant Potatoes, Gravy Mixes, Frozen Pies, Cranberry Sauce, Jello, Marshmallows. Sour Cream Dips, Crackers, Chips, Soda, Ham
Baking: Flour, Sugar, Butter, Cream, Cake Mix, Brownie Mix, Muffin Mix, Breads, Pie Crust, Marshmallow, Whipped cream
Canned Foods: Soup, Broth, Condensed Milk, Vegetables, Fruits, Spaghetti Sauce
Seasonal Produce: Anjou Pears, Bok Choy, Bosc Pears, Broccoli, Brussels Sprouts, Carrots, Cauliflower, Celery, Dates, Grapefruit, Haas Avocados, Kale, Kiwi, Kumquat, Lemon, Napa Cabbage, Oranges, Sweet Potatoes, Red Cabbage, Rutabaga, Savoy Cabbage, Spinach, Winter Squash, Yams, Turnips, White Potato
Clearance: After Thanksgiving and After Christmas Sales



Grocery Sales Cycles from our Frugal Friend at Living Richly On A Budget