Isn't it funny that your money runs out long before the end of the month? Actually NOT funny.
My familiy is currently in a tight spot as my hubby has not been able to bring home the bacon due to the recession (although he would like to) and as a result I am the breadwinner and provider. Our savings have been depleted and the credit card has hit the limit (and I cannot get it back down). I have cancelled the non-essentials and luxuries. No take-away food, no M-Net, no eating out, no parties, no movies, no shopping, no new clothes. I have changed to cheaper life-insurance and might have to go for a cheaper car soon. Also, convenience-shopping is out, it's down to bargain-hunting. I will take up sewing again for the kids, stuff like pyjamas and track suits are easy to make.
At http://frugalyou.com/ I read that: "Either you have time, or you have money. If you want to save money, you have to spend time. If you are unwilling or unable to commit a certain amount of time on a regular basis to practicing homemaking and money-saving skills, you will have to resign yourself to spending more money - money you could be saving."
This fact is actully sad, but true.
I'm going to search for more frugal tips now, see you later.
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