Though most people look forward to the tons of fun and festivities which typically follow the holidays months, the final few months of the year can also be saddled with stress, as time and money are both stretched gauze thin.

The more time you can carve from your busy schedule, and the more money you can save, starting the week before Thanksgiving and going through to the end of the year, the more of the holidays’ true benefits you’ll enjoy.

Doing your holiday shopping online might just be the answer to end of the year bliss!

The days when you were forced to fight mall crowds while burning through untold gallons of gas to wage your annual savings safari are dead. Though, of course, so are most of the crowds. Most people are now wise enough to know that getting the majority of your holiday shopping done online is the best way to save your time, money, and sanity during the holiday shopping season.

Here are 4 reasons why shopping online can save you time and money:

1) Shopping Online Makes It Easy To Compare Prices

Online, comparison shopping could’t be easier. There are countless websites which exist to aid shoppers in finding the lowest possible price. Just about any e-commerce site you visit will have a built in search engine to help you hone in on exactly what you want by letting you easily compare products with pictures and descriptions side-by-side.

In addition, reader reviews are a large part of the online shopping experience. Take Amazon, for example, where reviews are a major contributing factor fueling the sale of particular products. The more customers there are leaving positive reviews of a product, the more Amazon will recommend that product to shoppers.

The same is true for most online retailers, big and small, yet Amazon is still one of the the best places to price shop. They have a massive variety of products, but even better, they will have the most results and the lowest prices for most items you’re looking for.

2) It’s Easier to Get Better Deals

Comparison shopping is easy, but beyond that, there are also a ton of couponing sites online that treat hunting for bargains as though it were a blood sport.

There are also many “deal of the day” like sites posting the latest deals and highlighting everything from electronics to travel to close to food.

Even if you don’t make your final purchases online, looking for the best deals on the Internet can help you make the best possible purchasing decisions in the event that you do have to hit your local mall.

3) Online Shopping Helps You Get What You Really Want

If you’re not wasting your time running all around creation in search of bargains and ideas, you can spend more time gathering research, price comparisons, and reader reviews. Then, when you actually make your purchases, your choices are likely to be much better overall.

How many times have you bought something that seemed like a great idea in your head, only to end up with something that wasn’t quite what you thought it would be?

Start out with a general idea of what you want, take the time to go online and see what’s available, then measure your options against your budget and what other customers are saying, and you can make a better decision that will make you more likely to get what you really wanted, rather than what you happened to find in the time allotted.

4) Take Advantage of Free Shipping

You’ve gotta love free shipping!

Not everyone offers free shipping, but you will find that retailers are fiercely competitive around the holidays. Any major online retailer will probably have some sort of free shipping offer from Thanksgiving through the end of the year. December 16 is a day when retailers traditionally offer free shipping. If not, Amazon always does.

Free shipping solves time and money problems. Not only do you save money by not having to bleed ridiculous amounts for gas and parking, you will also save all the unneeded hours you might have otherwise wasted, running to and fro.

Simply order what you want, then wait for it to arrive. You can even have it gift-wrapped if you’d like.

Shopping online is smart, just make sure you stay safe by checking privacy and security seals, return policies, and any miscellaneous fine print.

Thanksgiving can be an amazing, fun filled holiday, packed with happiness, unity, and amazing tummy-tickling food.

As long as you don’t let the stress get to you first.

Unfortunately, having too much family in too small a space, combined with the often exorbitant cost of holiday food, can leave you with more stress than rest.

But you can be smarter than that. Follow one or all of these 4 simple strategies to give your family a fun, frugal Thanksgiving.

1. Start with a plan and your holiday will hold fewer unexpected surprises. Know what you’re planning to prepare ahead of time, then take a detailed list with you into the store.

Shopping while making the entire Thanksgiving meal up in your head, while aimlessly pushing your shopping cart down the aisles can lead to a much higher grocery bill. Even worse, it can mean you’re preparing a meal that probably won’t live up to its full potential.

Start with a plan, and it will be easier to make something great (without spending a fortune!)

2. Focus on relationships. Thanksgiving shouldn’t be about the food, or the obligation. Thanksgiving should be about being thankful for what you have, and looking it in the eye with gratitude.
Invite your family or friends to break bread, but take the time to enjoy your relationships and be thankful you have them.

Treat the holiday with stress, and it will be stressful. Don’t worry about what other people are doing or thinking. You can only control your own behavior, so spend your time focused on those things which will invite the most harmony into your household on during what should be one of the most significant days of the year.

3. Start with a budget. This is like starting with a general plan, but more specific and focused on dollars and good sense. One of the things that leads to a lot of holiday stress is the money that must be spent on quality food, wine, desserts, etc.

Determine your budget, then stick to your plan. Thanksgiving doesn’t exist for you to impress friends and relatives with your giant spread, it’s meant to enjoy one another’s company and appreciate everything you already have; to reflect on the year gone by and anticipate the approaching holidays.

If you’d like a larger spread than your budget allows, be smart by trying the fourth and final suggestion – a Thanksgiving potluck.

4. Try a Thanksgiving potluck. A potluck can enhance the feeling of community and make everyone feel as though they belong, while also greatly reducing the burden of your holiday food bill.

Everyone can bring their favorite dish, either to eat or to share. You could split main courses, or have everyone bring an appetizer, dessert, or a bottle of wine.

Everyone will be happy and no one will go home broke.

Make your next Thanksgiving an amazing, fun filled holiday, packed with happiness, unity, and tremendous food. Follow one or all of the four suggestions above to give your family the fun and frugal Thanksgiving they deserve, without the stress.

A growing affordable alternative for buying things you need and want is shopping at resale and second-hand shops. Your first reaction may be that you don’t want to waste money on other people’s ‘junk;’ that you’d rather spend more and get items that are in new condition, without damage or wear. Upon shopping at a resale or second-hand shop, however, you may discover that, not only are the prices unbelievably low but that the quality and condition of the merchandise is surprisingly good.

After all – many items bought new are only used for a short period of time. When we’re finished using them, there’s still plenty of ‘life’ left in them. Take sports equipment, for instance. Outfitting a child for a sport can be a bank-breaking proposition. Add to that the fact that children grow – and grow tired – rapidly. That in itself is a perfectly good reason for purchasing sports equipment at a second-hand shop. There’s nothing ‘wrong’ with the equipment; the child has simply outgrown or grown bored of it or he or she would still be using it. Note that helmets should always be purchased new as they are built to sustain only one impact and you would have no guarantee as to the history of a helmet purchased second-hand.

There’s a plethora of items for sale worth your consideration at resale shops.

Smart items to purchase at resale/second-hand shops

  • Toys and video games (another case of children outgrowing perfectly functional items)
  • Exercise equipment (one person’s abandoned best intentions can help you get into shape)
  • Clothing (an inexpensive way to add something new to your wardrobe)
  • Accessories (costume jewelry, scarves, belts, shoes/boots, hats…)
  • Furniture (find interesting pieces for your home or inexpensively procure the basics when just starting out)
  • Kitchenware (dishes, flatware, pots and pans to equip a first home or augment your kitchen)
  • Household accessories (lamps, mirrors, framed pictures, empty frames, figurines, vases…)
  • Books (fortunately, reading it doesn’t use up a book)
  • Musical instruments (many people purchase instruments, then abandon their intention of learning to play)
  • Costumes (find vintage or distinctive items to create and accessorize do-it-yourself costumes for parties or performances)

Since shopping resale/second-hand shops is a bit like a treasure hunt, it’s important that you approach shopping them as an educated consumer.

Tips for wise resale/second-hand shopping

  1. Know prices – When you know what items cost at retail stores, you’ll be better able to identify a bargain.
  2. Shop on sale days – Even resale shops have bargain days and sales. Take advantage of those opportunities to save even more.
  3. Buy out of season – Unlike many retail stores, out-of-season merchandise is often still available. Find off-season bargains when you purchase, for example, patio furniture, in November.
  4. Time is on your side – Resale shops like fast turnover, which works to your advantage. The longer something is on the shelf, the more it will be discounted. Watch for price reductions on items you’ve had your eye on but don’t wait too long, or another frugal shopper may snatch up your bargain.
  5. Early birds find especially good loot – There’s often a particular day when the new merchandise is put on display. Shop early on that day when you have the greatest chance of finding the best items the store has to offer.

Rather than offering other people’s ‘junk,’ resale shops present the opportunity for you to shop for quality merchandise with plenty of use left in it at considerable savings. It’s a good way to round out a household or meet short-term needs.

What bargains have you discovered at a resale or second-hand shop?

When frugal living comes up, often the topics revolve around saving money for yourself. It’s all about cutting expenses, reducing materialism, and finding contentment. However, it’s important to remember that part of frugal living should include giving. It may seem strange that your frugal lifestyle would include giving things and money away, but an essential part of well-rounded finances is giving to those less fortunate.

You Can Probably Find Someone with Less

While you might believe that you have very little in the way of worldly goods, there is usually someone with even less. Indeed, the recent recession has created a number of people who have difficulty feeding their families, and buying other necessities for life. And, as the holiday season approaches, this difference can be even more pronounced.

Consider your own needs, and also consider what others might need. Look around. Do you have what you need? Are you rich in family and friends? Have been able to find a measure of contentment? If you stop to think about it, you might discover that you have more than you thought — and that you are quite fortunate. As a result, you might also find that you do have some things that you could share with others who are less fortunate.

Giving to Others

The great thing about charity is that it doesn’t always need to mean that you give money. In fact, many people making frugal lifestyle choices don’t have spare cash. Instead, you need to look for other ways to give. Charitable donations to your local thrift store, or to the food bank, can go a long way. Look in your pantry. Consider your old clothes. Do you have items that you can spare?

Every year, about this time, my son is encouraged to go through his belongings. With his birthday coming up, and with Christmas on the way, he will receive plenty of new gifts. The least he can do is go through his toys and choose a few to take to the local thrift store. It’s important to me that my son learn to share with others. It’s one of the reasons I take food to the food bank after he comes home from school — he should help.

Getting Something in Return

Of course, many would say that giving to others is its own reward. There are intangibles associated with charitable giving that should not be discounted. But the intangibles aren’t the only rewards for generosity.

Providing charitable donations, if you make it a priority for your finances, can force you into better money management so that you have enough to go around. And, of course, you can also take advantage of the tax deduction if you are looking for a little bit of a financial boost. Your cash donations are tax deductible (get a receipt), as are your donations of goods. As long as you get a receipt, your donations of items (in good condition) are tax deductible with the proper receipt.

While giving just for the tax deduction may not be the main reason you give, it can be a nice bonus.

Eating a healthy diet full of fresh produce is one of the best investments you can make towards your long term health and well-being. The best news is that it doesn’t have to cost a fortune as long as you eat foods in season when they are at the peak of tastiness and nutrition.

Here are some foods to look for in the cooler months that are kind to your wallet, good for your figure and full of flavor!

1. Sweet Potatoes. These aren’t just for putting in a casserole topped with marshmalllows. Sweet potatoes can be used as a substitute for plain potatoes in many recipes, used in curries, soups and stews, used with black beans as a filling for enchiladas and burritos, served roasted in salads and even made into dessert.

2. Winter Squash. Baked acorn squash stuffed with wild rice is a wonderful, filling main dish (use sausage in the stuffing if you crave meat or a bit of cheese for protein). Butternut squash makes tasty pasta dishes and soups. Many people find spaghetti squash to be a good substitute for pasta and an easy way to ease young children into the idea of eating squash. In many places of the world, pumpkin isn’t just for decoration and pies, it’s also used as a savory ingredient like any other winter squash. Just don’t try the pumpkins grown for jack-o-lanterns, they are edible, but very watery and fibrous. You can, however, roast and eat the seeds.

3. Apples of all kinds! Honeycrisp and other artisanal apples might be on the expensive side, but plenty of places see apples go to 99 cents and less a pound during the Fall months. Don’t just think of apples as a snack or dessert ingredient – try using them as an ingredient in savory meals, too. Apples pair particularly well with roast pork and chicken sausage.

4. Brussels Sprouts. Think you don’t like brussels sprouts? Try them roasted with bacon and a hint of balsalmic vinegar or shredded into a salad. Fresh brussels sprouts are very affordable in the Fall months and are worlds better than their frozen counterparts.

5. Broccoli. One of the most versatile and widely popular vegetables. Go beyond just raw and steamed and try roasted broccoli and featuring broccoli as the centerpiece of your meals instead of the co-star. Stir fried broccoli and tofu is nutritious and inexpensive meal. And if you like broccoli soup, try this dead simple recipe from celebrity chef Gordan Ramsay that just calls for broccoli, olive oil. salt, pepper and water.

6. Cauliflower. If you’re trying to limit your carbs, cauliflower is a good and inexpensive substitute for rice and potatoes. You can grate it and steam to use in place of rice or steam and mash to use as a mashed potato analogue. Some have even made pizza crust using cauliflower! Purple and orange cauliflower might be slightly richer in certain nutrients but good old fashioned white is at it’s peak and half the price of the fancier varieties in the Fall.

7. Pecans and other nuts. Nuts are usually quite expensive, but in the Fall, you might be able to find locally grown nuts at a huge discount (or maybe even a neighbor with a tree who will let you harvest some!). Many stores put nuts of all kinds on sale during the run-up to the holiday season. If you have room in the freezer now is the time to stock up! Costco, Sams Club and Aldi all are known for having good prices on nuts.

What are your favorite Fall fruits and vegetables?

My husband recently finished his Ph.D., and now teaches college classes. While it’s great that we have the extra income, I recognize that one of our challenges is going to be lifestyle inflation. Indeed, while I expect that we will be able to travel a little more (something I enjoy quite a bit), I don’t want to get carried away with too many other expenses.

Lifestyle inflation happens when you add more expenses to your life. For most of us, lifestyle inflation follows an increase in income. If you are concerned about lifestyle inflation, and you want to limit its effects, here are 5 things you can do:

1. Remind Yourself that You are Content with What You Have

One of the best things you can do is to remind yourself that you are happy with what you have. While treating yourself on occasion is not a bad thing, there is no reason to make a habit of turning luxuries into “needs.” Remind yourself that you have enough, and express gratitude for what you have.

2. Pull Back on Your Income Elsewhere

If you have multiple streams of income due to a two-income home, you could look for ways to cut back on some of that income. One of the bonuses (at least for me) of my husband working now is that I can cut back on some of the work I do. My husband loves teaching, and is happy to be paid to do it. I love writing, but was becoming bogged down. Cutting back on some of my income is one way that we can keep lifestyle inflation from getting out of control.

3. Increase Savings Contributions

Whether you are building your emergency fund, boosting your retirement account, or creating an income portfolio, you can put more money toward your future. Instead of spending the money now, on things you don’t need, set it aside for the future. You’ll head off lifestyle inflation while at the same time better preparing yourself for what’s next. You can also use the money to build alternative sources of income for the future.

4. Avoid More Monthly Bills

Try to stay away from adding to your monthly bills. I’m getting a new Tracfone. My husband tried to convince me that I should get a phone with an unlimited monthly plan, now that he’s got a job. However, I don’t want to add another monthly bill — especially since my use of the phone is likely to be quite limited. Resist the urge to add to regular, monthly obligations to your budget. Get a better idea of what you truly need, and stick to that. There is no reason to trap yourself in an unnecessary and costly contract just because you can afford it.

5. If You Do Add, Cut Something Else

Of course, you might want to add something to your lifestyle. After all, I enjoy travel. I’d like to do a little more in that area. However, if I spend more on travel, I can avoid lifestyle inflation by cutting somewhere else. There should be some degree of balance, so that you aren’t slipping into financial habits that might turn out to be detrimental.

How do you avoid lifestyle inflation?

One of the most important financial lessons that you can learn is that debt is prison. Indeed, when you are paying interest on your debt, that money is going straight into someone else’s bank account — and you receive nothing in return. Plus, paying that interest makes it harder to pay down the principal and to reduce your debt. Even though it might be difficult to get out of debt, it is doable. Here are the steps you can take to get out of debt.

1. Really Decide that You are Committed to Getting Out of Debt

The first thing you have to do is decide that you are really committed to getting out of debt. You need to truly want to change the way you do things, and get serious about paying down your debt and getting on the path to financial freedom. Without the commitment to get out of debt, you are likely to give up.

2. Stop Adding to Your Debt

Take a look at your budget, and figure out how you can better live within your means. Before you can effective tackle your debt problems, you need to stop making purchases with debt. Look at your spending, and cut back on the unnecessary items so that you are living within your means.

3. List all of Your Debts

Next, list all of your debts. List the balances, minimum payments and interest rates. Decide on an order to pay them off. Many people like the “debt snowball” method. You take that lowest balance debt, and concentrate on that first. This method is psychologically rewarding, since you see success faster, and are encouraged to keep going. Others, though, prefer to start with the debt with the highest interest rate, since it will save more money in the long run, since you will get rid of the most expensive debt faster.

4. Decide How Much You can Put Toward Debt Pay Down

Now that you have prioritized your debt list, it’s time to figure out how much money you can put toward your debt pay down. Honestly evaluate your spending, and look for places to cut back. You should be able to find waste in your spending, and, instead of spending it on frivolities, put it toward paying off your debt. Pay the current minimum on all of your debts, except the one at the top of your list. Put your debt pay down amount toward that debt. The more you can put toward it, the better.

5. Look for Ways to Earn More to Speed Up the Process

If you want to speed up your debt repayment process, you can look for ways to earn more money. Start a side hustle. Get a part-time job. It’s only for a little while. If you can put your debt repayment efforts into overdrive, you can be free that much sooner — and you will reap the benefits.

6. Acknowledge Your Successes

You can stay motivated when you acknowledge your successes and take time to reward yourself. Don’t go big though — you want to stay out of debt. But you can hold a little celebration, or you can retire each debt in a creative way. Buy a small treat, or cook your favorite dinner at home. Be sure to mark each milestone, and get excited about your next step toward success.

When it comes to mold, prevention is better than a cure. Toxic black mold can cause serious health issues for you and your loved ones. For those with mold spore allergies, even the more run of the mill molds can cause misery. Mold infestations can reduce the value of your home (or make it almost impossible to sell) and can cost thousands of dollars to clean up. Here are some tips to help you avoid mold growth in your home and how to tackle the problem while it’s still small.

1. The most important thing to remember is that mold needs moisture to grow. Take care of any leaks or drips as soon as possible and dry the area thoroughly. Look for permanent solutions for areas of the house that always flood or leak when it rains. This will not only stop mold growth, it will prevent structural damage as well.

2. Go on a hunt for mold in your home! Be sure to bring a flashlight and wear an air filtration mask, gloves and goggles. If you find any patches of mold, take steps to eliminate it immediately. Homeowners can safely remove patches of mold less than 10 square feet on their own. Areas that are larger than that should be taken care of by professionals, per the U.S. Environmental Protection Agency. You can find guidelines for safe mold removal on their website.

3. If your home has high humidity levels, run an air conditioner or home air dehumidifier to reduce the level of moisture in the air. You can use a hygrometer to measure the humidity level in your home, 30-60% is considered ideal.

4. If your bathroom and kitchen don’t already have them, consider investing in exhaust fans to vent out the warm, moist air before it can cause damage.

5. After showering, wipe down the shower walls and any moisture on the floor. Wash your shower curtain regularly with a bit of bleach to prevent mold and mildrew growth.

6. Cover the dirt in your crawlspace with a plastic cover and take steps to ensure that the area is very well ventilated.

7. Check the drip pans under your refrigerator and air conditioning units and empty them regularly.

8. Cover areas prone to condensation, such as cold pipes, with insulation to prevent moisture build up.

9. Avoid storing things that are prone to grow mold in damp areas like the basement. Clothes, books, papers and other soft objects can not be salvaged once they start growing mold.

10. Use electrostatic filters that are rated to remove mold spores in your home’s heating and cooling system. Change them as often as recommended by the manufacturer for best results.

11. Mold spores can lurk in houseplant soil. This isn’t usually a problem but if you or a family member are allergic to mold spores, it’s a good idea to find new homes for your houseplants.

12. Foam pillows and mattresses have been known to grow mold. If you have mold on any bedding, throw it out. It’s not worth the risks to continue sleeping on it.

13. Use chemical moisture remover canisters in small, enclosed areas like closes, storage areas and small basements to keep things dry. Check on them often and replace per the manufacturers instructions.

14. If your house floods, a pipe leaks or other major water damage occurs, call in the professionals as soon as possible to begin drying your house. It’s important to get carpets and walls dry within 48 hours to prevent mold growth. Your home insurance agent will be able to assist you in finding a water removal specialist and advise you on what you can have reimbursed or covered by your policy.

Homemade holiday gifts have never been more appealing. Not only is the price right for today’s depressed economy, many people are also finding themselves drawn to the other benefits of gifts made by hand, such as:

  • Being one-of-a-kind.
  • Not factory made under questionable circumstances.
  • Often made of recycled materials.
  • Shows thought and effort went into the gift.

If you’d like to give homemade gifts this holiday season, now is the time to start. You’ll want to allow yourself plenty of time to gather the materials and work on the items. Some food and craft items also require time to age before being ready.

Here are a few popular homemade gifts, including one that is not so-very-handcrafted for those who aren’t crafty in the least.

1. Homemade flavor infused vodkas. The Internet went wild for Skittles flavored vodka, but don’t limit yourself to candy! Do a search for “flavor infused vodkas” and find a few that you know your friends and family will love. Most recipes take about two weeks to fully infuse the flavor. You can buy nice bottles with cork stoppers online at a reasonable cost or just reuse the vodka bottles. Higher quality vodkas will make a smoother drink, but you can also try the “vodka through a filter” trick to refine bargain brands.

2. Homemade baking or cooking kits. You can find hundreds of recipes for make it yourself recipe kits online. Consumable gifts are always a hit because who doesn’t like to eat and who really needs more knick-knacks cluttering up their homes?

Start doing your research now to find the perfect recipes, do a little subtle questioning re: food allergies and sensitivities and start looking for the best deals on ingredients. The holiday baking sales cycles should be starting soon, so keep your eyes open for deals on chocolate, dried fruit, flour, sugar, condensed milk and more. Club stores like Costco often have great prices on bulk nuts, spices and other pricey staples. If you have a restaurant supply house in your area, check it out to find good prices on containers, foil and other packaging.

3. Homemade salves, balms and ointments. These are very useful for those suffering the drying effects of harsh winter wind and indoor heating. You can customize your salves with essentials oils to create more feminine or masculine scents to appeal to everyone on your list. Start comparison shopping now for containers made of glass, tin or plastic for your salve. You can find everything from tiny pots for lipbalm to large containers in bulk. Allow yourself time to decorate the containers or print custom labels that explain the ingredients and when to use the ointment.

4. “Homemade” photo books. If you’re not at all crafty and/or pressed for time, having custom photo books printed for your family and loved ones is always a hit. You can have them made at a wide variety of online photo printing sites, such as Shutterfly and Kodak Picture Gallery.

Now is the time to start gathering the photos you want in your books and put them in clearly labeled folders on your computer. That way when you see a great deal or online coupon on photobooks, you can take advantage of it right away – all you’ll need to do is upload the photos, arrange them and go! Finding the photos is the most time-consuming part of the process, so having them ready and organized will let you take advantage of limited time deals no matter how busy you are with holiday prep.

If you have children, you can make books of their artwork – simply scan it in or take very good photos of it (experiment with the lighting to avoid shadows and glare!) and make your own coffee-table art books. These are wonderful gifts for grandparents and can also be given to your children as keepsakes of their childhood.

No matter what you decide to make for your friends, family and loved ones, get an early start so that you can relax and enjoy spending time with them over the holiday season. After all, your time and attention is the gift that they really want!

Businesses are in business to make as much money as they can. And one way that food processors and household goods manufacturers can make a little more money is to “downsize” what you are getting. In frugal living circles, downsizing is often thought of as a good thing. You want to downsize your lifestyle and your costs. However, when it comes to what you are buying at the store, downsizing is the antithesis of frugality.

Here are some ways that you might be experiencing downsizing when you go to the store:

  • Keep the same size package, but fill it a little less.
  • Indent the bottom of the package so there is less product.
  • Whip certain products up (such as spread, ice cream and yogurt) so that there is a little more air and less product.
  • Shrink the size of the package (and the amount inside).

Of course, even though you are getting less product, you are still paying the same amount. This means that the processor/manufacturer can make their product go farther without having to pay more.

What Can You Do About It?

Of course, it is difficult to know what to do when you are faced with downsizing. You still need to buy certain products. And, unfortunately, you will be paying the same amount (or more) for less. It’s inflation at its sneakiest. But there are some things you can do to ensure that you are still getting the best possible value for your money:

  • Check unit prices: The first thing you want to do is check the unit prices of different products. Most tags include a unit price for the ounce, or the gallon, or the sheet. You have to be careful, though; sometimes the unit prices are shared in the same units. You might find that one brand is expressed by the ounce, while another is expressed by the pint. Be sure you can convert to the same units (your phone, or a calculator, can usually help).
  • Don’t assume that bigger means better value: We are used to thinking that a big package is a better value. However, the cost per unit may not actually be better when you get a bigger package. I was surprised when I discovered that a smaller package of laundry detergent was actually more cost effective than the big size. As a result, I bought several smaller packages.
  • Look for sales: Sales on items tend to go in cycles. Track the cycles, and watch for sales. When possible, stock up during the sales so that you can get the best prices on staples.
  • Ask for coupons: Look online for coupons, but also ask the company. In some cases, the company or manufacturer will actually send you a coupon if you complain about the smaller sizes. This can be an excellent way to get a little bit better value for your money.

There is no way to completely inure your pocketbook to downszing. There will always be something that gets in the way of your attempts to save money. Living frugal is about paying attention, and doing your best to stretch your dollar as much as you can.