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I was taught all the values of saving money but it wasn’t exactly modeled for me. Consequently, I had to overcome some hurdles as I grew up learning to budget, and more importantly, to stick to it (I still trip from time to time). My wife and I are now teaching our children about the value of their dollars and I am proud to say they are more miserly than I at their age. When they ask for a toy or a special treat and we feel it is appropriate we tell them they can have it if they pay with their own money. Our daughter is better at this than our son, but they look at their piggy banks, count the money, and more often than not are reluctant to part with their treasure for something fleeting. Financial expert Dave Ramsey says,

“There’s something psychological about spending cash that hurts more than swiping a piece of plastic. If spending cash whenever possible can become a habit, you’ll be less likely to over-spend or buy on impulse.”

So when was the last time you counted a wad of cash and had to make some decisions as to how much went where? You might do this regularly if you own a small business, but if you’re like the majority of debit card-swiping, electronic bits and bytes-spending, you probably haven’t in a very long time.

The benefits of liquidity

As it applies to you and me, liquidity is the amount of spendable cash on-hand such as in a piggy bank or hidden stash or cash that is readily accessible through ATM/bank withdrawal, or the quick sale of belongings. To most preppers cash on-hand is obviously the better choice for your money because you physically have it. Does the adage “a bird in the hand is worth two in the bush” sound familiar? The preppers who are involved in collecting precious metals (I am not one of them) will tell you quite correctly “if you don’t hold it, you don’t own it” (link includes good warning on dangers of holding valuables). Liquidity doesn’t have to be money as we know it. In a SHTF grid down scenario money will be whatever gets you something you want or need à la bartering. But for now, greenbacks and coins are the money we use and they’re still legal tender everywhere so having some on-hand mitigates your risk of being unable to buy what you need. It’s the same idea behind why we store any supply – we know we will need it later.

So why don’t we keep money accessible?

Despite the common sense and relative ease of having accessible supplies of needed items millions of Americans do not prepare in even the slightest way. We have discussed the concept of normalcy bias as a large reason behind failing to prep. When it comes to money, our society revolves around instant gratification and “efficiency” so we use credit and debit cards, electronic fund transfers, and online shopping – all made possible by a digital fiat currency system not backed by anything, which further removes us from cash as the marketplace ceases to resemble anything from even 15 years ago. In 2015, for many Americans, liquidity is limited to what sits in the bank account between bi-weekly direct deposits that isn’t automatically withdrawn due to electronic bill payments.

Three examples of why cash (use and acceptance) is still a necessity

The following examples are from my own life. They only involve human error by one or two people yet significantly impacted my family negatively. Imagine a scenario where the grid goes down or the government seizes digital wealth and you have a problem hundreds of millions of times worse.

  • Example 1: My wife ordered new checks and paid a bunch of bills. We shortly thereafter discovered the account number was incorrectly printed and were hit with late fees due to the delay in us having to run out and get cash from the bank which was closed. After going in to our water utility and advising them of this problem the clerk assured me there was no problem on our account. I offered to pay cash anyway as a safeguard but she refused due to a policy about the dangers (robbery and money laundering) of cash payments. Several days later I came home from work at 3pm to hop in the shower for my next job at 4pm only to discover our water had been shut off for “non-payment”. I showered with a gallon jug of water I had left over from a road trip, rushed to the utility office, and had to pay extra fees – in cash, mind you – because I was a deadbeat and didn’t pay my bills on time. The next day I started prepping (water storage) thanks to Final Prepper I discovered a few weeks prior.

Moral: Cash payment would have eliminated use of checks and this problem. Acceptance of cash would have resolved this problem before it escalated.

Do you have a back-up supply of cash if electronic methods aren’t working?

  • Example 2: Our mortgage bank mailed a check from our escrow account to our home insurance provider. This check was never received and our home insurance was dropped for non-payment. I went to the insurance office to rectify this and was told because the policy had been cancelled we needed to buy a new one. Much wailing and gnashing of teeth later mixed with a couple phone calls to the bank, I purchased a new policy. Next stop on this crazy train was our insurance company billing our mortgage bank for this new policy as well as collecting money from us. The bank paid this one as well and debited our escrow account a second time, putting us in the negative. A lot more anger, many more phone calls, and a few steps closer to a heart attack, the bank and insurance company “fixed” the problem by giving us our original policy back and not refunding any money. Just to make things interesting the bank made a third payment to the insurance company for the renewed original policy, putting us further into the negative. We found this out because they kindly sent a statement increasing our mortgage payment by about a hundred dollars a month. More phone calls and many bad words later the bank credited us with the first faulty payment but refused to eliminate the rest of the debt that was not our fault because they “can’t just type numbers in the computer and make money appear.” Funny, I thought that’s what happens whenever we mail a check or have an automatic payment? I was unaware that money teleported or got zapped through the cable modem. This situation was resolved yesterday, just before the next example happened.

Moral: People are morons and corporations don’t give a damn about you. Cash payments by us instead of electronic payments or checks in the snail mail by third parties would have eliminated this problem from happening. Emergency fund money in the bank is a good safety net.

  • Example 3: When I woke up this (Friday) morning and checked my work email before taking my children to school I was greeted with this message:

We are aware that the automatic deposits for payday have not transferred to individual banks. The Finance Department is working on it and as soon as it is resolved we will let you know. We apologize for any inconvenience.

In 2013 Cyprus banks were closed to their depositors and money was confiscated to pay off National Debt.

I got in touch with my wife at her job and we exchanged some choice words. An hour or two later I checked my email again and saw this gem:

Dear co-workers,

Due to my error, the direct deposit file was not sent to the bank in time to transfer funds into your accounts today. I apologize greatly for this error and hope you understand.

The file has been submitted for transfer by Monday. If you have any questions or concerns about this delay in payment, please feel free to contact me and I will work with our bank to try and get your funds to you sooner.

Thank you.

Fortunately, my wife works and works for a different company. We were spared the troubles so many of my co-workers faced, especially those who are single or whose spouses also worked for the city.

Moral: Having a system where one employee is capable of affecting over a thousand families to the tune of over $750,000.00 is insane. Payment in cash would have eliminated this problem. Emergency fund money in the bank is a good safety net.

Preppers should not only have padding in their bank accounts but should keep emergency cash in a safe location. As long as it’s the legal tender being accepted it is valuable. How will you pay when the ATMs shut down, or your card is stolen/compromised, or the banks are closed? Cash is king, make it part of your prepping plan.

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I was taught all the values of saving money but it wasn’t exactly modeled for me. Consequently, I had to overcome some hurdles as I grew up learning to budget,

I was taught all the values of saving money but it wasn’t exactly modeled for me. Consequently, I had to overcome some hurdles as I grew up learning to budget, and more importantly, to stick to it (I still trip from time to time). My wife and I are now teaching our children about the value of their dollars and I am proud to say they are more miserly than I at their age. When they ask for a toy or a special treat and we feel it is appropriate we tell them they can have it if they pay with their own money. Our daughter is better at this than our son, but they look at their piggy banks, count the money, and more often than not are reluctant to part with their treasure for something fleeting. Financial expert Dave Ramsey says,

“There’s something psychological about spending cash that hurts more than swiping a piece of plastic. If spending cash whenever possible can become a habit, you’ll be less likely to over-spend or buy on impulse.”

So when was the last time you counted a wad of cash and had to make some decisions as to how much went where? You might do this regularly if you own a small business, but if you’re like the majority of debit card-swiping, electronic bits and bytes-spending, you probably haven’t in a very long time.

The benefits of liquidity

As it applies to you and me, liquidity is the amount of spendable cash on-hand such as in a piggy bank or hidden stash or cash that is readily accessible through ATM/bank withdrawal, or the quick sale of belongings. To most preppers cash on-hand is obviously the better choice for your money because you physically have it. Does the adage “a bird in the hand is worth two in the bush” sound familiar? The preppers who are involved in collecting precious metals (I am not one of them) will tell you quite correctly “if you don’t hold it, you don’t own it” (link includes good warning on dangers of holding valuables). Liquidity doesn’t have to be money as we know it. In a SHTF grid down scenario money will be whatever gets you something you want or need à la bartering. But for now, greenbacks and coins are the money we use and they’re still legal tender everywhere so having some on-hand mitigates your risk of being unable to buy what you need. It’s the same idea behind why we store any supply – we know we will need it later.

So why don’t we keep money accessible?

Despite the common sense and relative ease of having accessible supplies of needed items millions of Americans do not prepare in even the slightest way. We have discussed the concept of normalcy bias as a large reason behind failing to prep. When it comes to money, our society revolves around instant gratification and “efficiency” so we use credit and debit cards, electronic fund transfers, and online shopping – all made possible by a digital fiat currency system not backed by anything, which further removes us from cash as the marketplace ceases to resemble anything from even 15 years ago. In 2015, for many Americans, liquidity is limited to what sits in the bank account between bi-weekly direct deposits that isn’t automatically withdrawn due to electronic bill payments.

Three examples of why cash (use and acceptance) is still a necessity

The following examples are from my own life. They only involve human error by one or two people yet significantly impacted my family negatively. Imagine a scenario where the grid goes down or the government seizes digital wealth and you have a problem hundreds of millions of times worse.

June, 2015: My wife ordered new checks and paid a bunch of bills. We shortly thereafter discovered the account number was incorrectly printed and were hit with late fees due to the delay in us having to run out and get cash from the bank which was closed. After going in to our water utility and advising them of this problem the clerk assured me there was no problem on our account. I offered to pay cash anyway as a safeguard but she refused due to a policy about the dangers (robbery and money laundering) of cash payments. Several days later I came home from work at 3pm to hop in the shower for my next job at 4pm only to discover our water had been shut off for “non-payment”. I showered with a gallon jug of water I had left over from a road trip, rushed to the utility office, and had to pay extra fees – in cash, mind you – because I was a deadbeat and didn’t pay my bills on time. The next day I started prepping (water storage) thanks to The Prepper Journal I discovered a few weeks prior.
Moral: Cash payment would have eliminated use of checks and this problem. Acceptance of cash would have resolved this problem before it escalated.

Do you have a back-up supply of cash if electronic methods aren’t working?

 

December, 2016 – February, 2017: Our mortgage bank mailed a check from our escrow account to our home insurance provider. This check was never received and our home insurance was dropped for non-payment. I went to the insurance office to rectify this and was told because the policy had been cancelled we needed to buy a new one. Much wailing and gnashing of teeth later mixed with a couple phone calls to the bank, I purchased a new policy. Next stop on this crazy train was our insurance company billing our mortgage bank for this new policy as well as collecting money from us. The bank paid this one as well and debited our escrow account a second time, putting us in the negative. A lot more anger, many more phone calls, and a few steps closer to a heart attack, the bank and insurance company “fixed” the problem by giving us our original policy back and not refunding any money. Just to make things interesting the bank made a third payment to the insurance company for the renewed original policy, putting us further into the negative. We found this out because they kindly sent a statement increasing our mortgage payment by about a hundred dollars a month. More phone calls and many bad words later the bank credited us with the first faulty payment but refused to eliminate the rest of the debt that was not our fault because they “can’t just type numbers in the computer and make money appear.” Funny, I thought that’s what happens whenever we mail a check or have an automatic payment? I was unaware that money teleported or got zapped through the cable modem. This situation was resolved yesterday, just before the next example happened.

Moral: People are morons and corporations don’t give a damn about you. Cash payments by us instead of electronic payments or checks in the snail mail by third parties would have eliminated this problem from happening. Emergency fund money in the bank is a good safety net.

February, 2017: When I woke up this (Friday) morning and checked my work email before taking my children to school I was greeted with this message:

“We are aware that the automatic deposits for payday have not transferred to individual banks. The finance department is working on it and as soon as it is resolved we will let you know. We apologize for any inconvenience”.

I got in touch with my wife at her job and we exchanged some choice words. An hour or two later I checked my email again and saw this gem:

“Dear co-workers,

Due to my error, the direct deposit file was not sent to the bank in time to transfer funds into your accounts today. I apologize greatly for this error and hope you understand.

The file has been submitted for transfer by monday. If you have any questions or concerns about this delay in payment, please feel free to contact me and I will work with our bank to try and get your funds to you sooner.

Thank you”.

 

Fortunately, my wife works for a different company. We were spared the troubles so many of my co-workers faced, especially those who are single or whose spouses also worked for the city.

Moral: Having a system where one employee is capable of affecting over a thousand families to the tune of over $750,000.00 is insane. Payment in cash would have eliminated this problem. Emergency fund money in the bank is a good safety net.

Preppers should not only have padding in their bank accounts but should keep emergency cash in a safe location. As long as it’s the legal tender being accepted it is valuable. How will you pay when the ATMs shut down, or your card is stolen/compromised, or the banks are closed? Cash is king, make it part of your prepping plan.

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I was taught all the values of saving money but it wasn’t exactly modeled for me. Consequently, I had to overcome some hurdles as I grew up learning to budget,

As a parent, sometimes I’ve asked my kids to do things they don’t want to do.  (Haven’t we all?)  The biggest key to their success in the endeavor is their attitude.

Scenario #1:

Me: Kiddo, it’s time to swap your winter clothes for your spring clothes. Please go through your closet, sort through your winter clothes and get rid of the stuff that’s too small or that you don’t want anymore.

Kiddo:  I don’t want to!  I hate this! It’s not fair!!!

Kiddo goes through the closet, angrily shoving things in a garbage bag without taking a good hard look at things.  She sulks, pouts and is otherwise miserable.  She gets the job done but makes sure that it is unpleasant for all of us.

Scenario #2:

Me: Kiddo, it’s time to swap your winter clothes for your spring clothes. Please go through your closet, sort through your winter clothes and get rid of the stuff that’s too small or that you don’t want anymore.

Kiddo:  Okay – this gives me a chance to see if there’s anything I can re-purpose, too!

Kiddo goes through the closet, eagerly sorting items into piles.  She comes up with a good stash of ‘new’ materials for craft projects, a bag of donations, and 2 shirts that were buried at the back that she forgot she had.  The job is done and the end result is its own reward.

Switching over to a more frugal lifestyle can be just like the above scenarios. You can embrace it and relish the challenge of it, or you can sulk, pout and be absolutely miserable.

Sometimes a reader comments on my website or sends me an email telling me that by preaching a frugal lifestyle, I am, in fact, giving in to the global elite and The Powers That Be.  They feel that I should be recommending other types of resistance.  They say, “Why should I have to do that when THEY have trashed our economy?  Why should I do without?”

I understand, truly, where these readers are coming from.  They’re right – we shouldn’t have to be thrifty because the “elite” have trashed the economy for everyday people.  However, I choose to.  I opt to live a frugal, non-consumer lifestyle because of my personal experiences. Disengaging from the uncaring financial machine has provided me with a freedom I never had when I was pulling down close to six figures.

The Story Behind My Advent into Cheapskatery

I suffered some great financial losses back in 2010. I lost my house, my car, and my business.  We had been living frugally in comparison to many people, but not frugally enough to counteract that personal economic disaster. Looking back, I’m not sure if any amount of frugality could have really made a difference.

It was a devastating blow, and it came right on the heels of the loss of my dear father.  We became even more thrifty of a necessity, and I resented the need to do so every single time I stepped into a mall, purchased groceries, or emptied my bank account on payday to keep the utilities on and a roof over our heads, with nothing extra left over for fun, or even secondary needs.  It was a very grim time for our family.

When the depression began to lift, I saw that getting out from under that mountain of debt had actually provided me with a gift of enormous freedom. I realized that my life could take a different turn. I was no longer tied to anything.

And that’s when I began to embrace my cheap side.

I realized that I no longer needed to buy into the system that had been the source of my economic collapse. By supporting them, I wasn’t supporting us. By being as self-sufficient as possible, by cutting my spending, and by not needing “the system”, I was winning.  I was becoming truly free.

When an entity has nothing to hold over your head, all the options are your own.  You can make your decisions based on what is good for you and your family, not on what terrible things might happen to you if you don’t “toe the line.”

Embrace your cheap side

Hard-core frugality is not just making a choice to buy the generic brand of laundry soap instead of a jug of Tide with scent beads.  Hard-core frugality is buying the ingredients to make 5 times the amount of laundry soap for half the price of that name-brand detergent, all the while LOVING the fact that Proctor and Gamble are not getting your money.

When you can cross that line between resenting the fact that you have to strictly budget to embracing the fact that by being as frugal as possible, you have a freedom you never dreamed of before, then you have begun to embrace your cheap side.

Being a black belt in frugality takes creativity and an optimistic outlook.  It should never be some grim, sad thing that you have to do.  It should be something that you choose to do.  By finding joy in your non-consumerism, you will be far more successful at it. It becomes a game that you win if you can do something for free that others spend money on.

When you feel like you require less, then you are happy with less.  This means that you have to spend less time working at things you may not truly enjoy to pay for the things that you never actually needed in the first place.  This means that the money that you have goes a lot further

You might be a cheapskate if….

Here are some surefire signs that you are embracing your cheap side:

  1. Before throwing anything in the garbage you take a few seconds to ponder how it might be reused, and then either compost it, put it aside for a re-purpose, or you turn it into a homemade “log” for your fire.
  2. You have an ice cream tub in your freezer nearly full of odd bits of leftovers, awaiting their reincarnation into “leftover casserole” or “leftover soup”.
  3. It’s physically impossible for you to drive past an interesting-looking garbage pile at the curb during somebody else’s spring cleaning frenzy.
  4. Your first stop at the grocery store is the “last day of sale” rack in each department.
  5. Your kid looks at a necklace or pair of earrings at the “cool” store and scoffs, “We could make this.”  Then she puts it back and asks you to take her to the thrift store for items to disassemble for the supplies to make her own accessories.
  6. A day of yard-saling is planned out like a military invasion: you have a Mapquest route of at least a half dozen sales, a thermos full of coffee, a wallet full of small bills, and a list including measurements of all empty spaces in your home that need to be filled, kitchen items you are seeking, books your daughter wants to read, and upcoming birthdays.  Your alarm is set the night before, a blueberry muffin is wrapped up and ready to go on the counter, and your comfy clothes are laid out.
  7. If something must be replaced or purchased, you always look for a used version first before doling out the money for a new one.
  8. You know how to darn socks….and you do it.
  9. You wash and re-use sandwich baggies, and you’ve even rigged up a little drying rack for them beside your sink.
  10. You are outraged at the idea of spending $18 on a jug of laundry detergent because you could make a year’s supply for that amount of money.
  11. You have recently advised your child to cut off that teeny bit of mold on the brick of cheese because the other side is just fine.
  12. You don’t carve the Jack-o-Lanterns until the day before Halloween so that you can cook, puree, and can the pumpkin the day after Halloween.
  13. You have (and use) a clothesline.  Year round.
  14. You know how to repair a plastic clothes hamper by “welding it” with a bread tag and a hot glue gun.
  15. The dish soap beside your sink is actually 50% dish soap and 50% water.

How to Become a Happy Non-Consumer

Be grateful.  An “attitude of gratitude” is the most vital part of embracing your cheap side. If you’re happy with what you’ve got, you will find that you “need” far less than you did before.  That’s because you aren’t seeking some momentary hit of joyous adrenaline by purchasing something.  That rush rarely lasts and you’re just left with more stuff and less money.

Be creative.  How can you make something, save something, or repair something in a totally original way?  Embrace the challenge and tap into your creativity – you may just discover that, in your originality, you’ve come up with something far better than the purchased alternative. (We’ve found this to be especially true with fashion accessories, home decor, and birthday parties!)

Give.  Don’t let your pursuit of frugality make you stingy.  There are always people who are worse off than you. It’s important to give a hand up to those people.  If your kids were hungry, or cold, or without shelter, wouldn’t you hope that some kind person would help them?  Even at our absolute rock bottom financially, we donated one can of spaghetti sauce and a package of noodles to the food bank every week, which hopefully provided a warm comforting meal for someone who needed it. It isn’t really necessary to debate whether people are truly in need or just milking the system.  That is a subject for them and their consciences.  Just give.  You are responsible for your intentions, not theirs.

Spend your money where it really matters.  We opted to move to a very small community into a drafty little cabin in the woods.  We made this decision as a family, in order to reduce our monthly output.  By getting rid of “city rent” and all of the bills that came with it, we cut our monthly output in half.  This means that I can spend a little extra on high-quality meats and dairy, for example.  When my daughter needs new glasses, it’s not a problem to pay for them.  It means my older daughter can get through college without crippling student loans.

Less need equals more time.  Not only does a thrifty lifestyle mean that I can refocus where my money goes. It means that I can refocus where my time goes.  I don’t have to work quite as hard on stuff outside the home and can focus on farm and family.  I have the time to make hats and scarves instead of purchasing them. I have time to garden and can the harvests.  I have time to perform money-saving tasks like cooking from scratch, which goes into a big happy circle of having more money to put towards important things.

Stay home.  When you stay home more, you are tempted less.  You aren’t thirsty, requiring a beverage. You aren’t hungry, requiring a snack.  You aren’t using the car, requiring gas.  You aren’t tempted by all the colorful and wonderful things in the stores.

Hang out with like-minded people.  It is so much easier to embrace your cheap side if you don’t have people telling you how deprived you are all the time, or berating you for being too cheap to spend $27.85 on a movie ticket, popcorn and a soda pop.  Most of my closest friends are thrifty.  We swap  clothing, we borrow and lend tools, and we cheerfully hang out without spending a dime.  Instead of going out to sit in a boutique coffee shop sipping a $6 latte with whipped cream, we sit in the garden at one of our houses sipping a coffee that one of us made, along with a nice fresh blueberry muffin.  We enjoy the same conversation we would have had at that coffee shop too. Instead of heading to the mall, we chat on Skype.   When your nearest and dearest are on the same page, life is a whole lot easier.

Turn off the TV.  People go to school for years to study how to make people want what they don’t need.  That great big brainwash box sitting in the living room is a direct pipeline into your brain.  From the beautiful homes on the TV programs, the fancy clothes and cars, and the ads for food, recreation and new cars, the whole racket is designed to make you feel you what you have now is inferior to what you could have.  Kids are the biggest target of product placement advertising in popular shows.  If you watch TV, limit it.  Become aware of the scams and discuss them with your kids so that they can easily identify how marketers are attempting to manipulate them.  (Confession: we do watch a little bit of TV in our home, and when we do, it’s a big game to identify the hidden ads. While this may sound contrary to the advice to turn the TV off, I believe that some limited viewing coupled with an awareness of the marketing techniques  inoculates my children against the sales pitch.)

The Two Week Challenge

Okay….do you want to get started on your journey to frugality, freedom, and fun?

Make a list of the things that you absolutely require over the next two weeks.  This, for most of us, is the distance between one paycheck and the next.   So, if you need some milk and other supplies, pick that up.  (If you are already a prepper, you probably have enough food to get by for several months!)

Then – lock up your bank card, your cash, and your credit cards (if you use them).  For the next two weeks, I don’t want you to spend a dime.

(Obviously, the bills that must be paid, must still be paid – I’m not suggesting you stiff your landlord or skip a car payment!)

But for EVERYTHING ELSE…..put it off for two weeks.

Every time you have the urge to spend money, write it down.  (You can cheer yourself along by promising to make this purchase when the two weeks are over, if you still want it.)  You are going to be AMAZED at the things you spend money on, as well as the amount that you would have spent.

Come up with creative solutions for your “needs” and most likely, you will discover that they were actually “wants.”

So for two weeks you will NOT be purchasing….

  • Additional groceries
  • Drive-thru coffee
  • Take out pizza
  • Movie tickets
  • New clothes
  • Books and magazines
  • That adorable pair of shoes – you know, the ones that are ON SALE!!!!
  • Gasoline (unless this is absolutely necessary for work – but try to get by on one tank of gas if you aren’t a commuter)
  • A candy bar or a pack of gum (easy since you won’t be at a checkout stand – right?)
  • Music downloads
  • Greeting cards
  • Special ingredients for a meal
  • A sweater for the dog
  • A throw pillow for the sofa

You get the idea.  If you cannot go for two weeks without spending money on any of the above, it might be time to take a critical look at how you’re living your life.  What will you do if you lose your job? If the economy gets worse? If all of your money goes to keep a roof over your head and you have nothing left for discretionary spending, it’s going to be far worse to have that lifestyle forced on you by circumstances.

At the end of the two weeks, take a look at your handy-dandy notebook and tally up the money you would normally have spent.  Are you surprised?

*******

To switch over to a frugal lifestyle successfully, you really have to want to do it. If you’re constantly bemoaning what you don’t have, you’ll be miserable.  If you are resentful that you can’t have “stuff” then you won’t stick to your frugal plan.  The most important thing of all is to switch off your personal “want” button.  When you don’t want or need the things that the “elite” and the big corporations are selling, then you are suddenly free of their restrictions.  You are no longer a slave to the wages you must earn to pay for the things they tell you that you should have.  You don’t have a lifestyle built on expectations, debt, and the never-ending search for happiness bought from a store.

I know that lots of you are already doing all of these things, and more…what are your suggestions for people who are new to the cheap side?  How has the art of thrift changed your life and set you free?

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As a parent, sometimes I’ve asked my kids to do things they don’t want to do.  (Haven’t we all?)  The biggest key to their success in the endeavor is their