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18 Tips for Living Within Your Means

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18 Tips for Living Within Your Means

By Marc and Angel Hack Life, DivineCaroline

Live a comfortable life, not a wasteful one. Do not spend to impress others. Do not live life trying to fool yourself into thinking wealth is measured in material objects. Manage your money wisely so your money does not manage you. Always live well below your means.

1. Redefine your definition of “rich.”
“I remember sitting in a cubicle at my first professional job staring at a picture of an SUV I wanted to buy (and eventually did). Now, I sit in my office and look at the pictures of my kids, and just outside my window I can see the beater I drive sitting in the company parking lot. What a difference a decade makes! To sum things up, my definition of being rich is having enough money to meet my family’s basic needs, a few of our wants, and to be able to give some away to others.” via Frugal

2. Borrow and share. Everyone wins!
“We borrowed a DVD from a friend instead of renting or buying and had a little snack from our own fridge! Way cheaper than using gas to drive to the theater/rental place, paying for a movie, and paying for a snack.” via

3. Avoid the mall.
“Going to the mall is not entertainment! We used to go when we were bored. Of course, we usually ended up spending money while we were there. If you need clothes, then shop sales or go to stores that offer name-brands at a discount. You can save a ton on these items if you are a smart shopper. Dave Ramsey says, “Never pay retail!” We probably save $15 to $30 per month by staying away from the mall.” via

4. Limit your intake of advertisements.
“Advertising sucks. That’s the cold, hard truth. It’s engineered to make you feel like you’re incomplete, that you have an unfulfilled need, that you’re not good enough.” via

5. Buy with cash.
“You can’t spend money you don’t have. Many bank accounts provide overdraft protection, so even with a debit card, it’s easier to go over your account balance than you think.” via

6. Find a better deal and actually SAVE the difference.
“Regardless of what they sell, if you’ve switched companies for price reasons, save the difference. Think of phone companies, internet access, cell phones, credit cards, and others.” via

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11:37AM PDT on Jun 19, 2013

Good tips .. I had to abide by most of them for many years and now thank God they are a way of life for us.

10:57PM PDT on Jun 14, 2013

Great! Like the emphasis on doing what you want to do more of (and skipping the mall/avoiding advertisements).

8:24AM PDT on Jul 31, 2012

Follow many of these anyway but thanks. The 16 year old blind cat who owns me has one golden rule, my food and needs come first, everything else follows!

8:24AM PDT on Jul 31, 2012

Good ideas for being frugal at times instead of being impulsive. Not much in the way of malls around here anyway.

2:53PM PDT on Jul 12, 2012

Useful tips.

8:07PM PDT on Jul 11, 2012

Thank-you for the informative article. Another is buying something on sale that you don't really need, so what's the point. I also don't charge anything unless I know that I have the money to cover it.

8:07PM PDT on Jul 11, 2012

Thank-you for the informative article. Another is buying something on sale that you don't really need, so what's the point. I also don't charge anything unless I know that I have the money to cover it.

9:07PM PDT on Jul 7, 2012

Definitely look at 'used' items.

8:55PM PDT on Jul 7, 2012

Thanks for posting.

11:00PM PDT on Jul 6, 2012

It does boil down to common sense...funny how so many of us get caught up in today`s fast paced "daily grind" and fall victim to "gotta have" syndrome.

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Disclaimer: The views expressed above are solely those of the author and may not reflect those of
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