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Living Below Your Means

Living Below Your Means

Recently, a friend was fretting about her stressful job and the kitchen remodeling project she thought she had to have, when it hit her: those tens of thousands of dollars could stay in the bank and give her some true freedom, a cushion in case her job got to be just too much and she had to quit. She realized that freedom was more important than new cabinets.

Just because we have money doesn’t mean we have to spend it. An increasing number of people are choosing financial freedom over consumerism, becoming part of a growing movement called Living Below Your Means. This liberating financial concept is not about denying ourselves or pinching every penny until it shrieks. Check out a fascinating statistic and learn more about Living Below Your Means, right here:

A nonprofit advocacy group, the Consumer Federation of America, reports that the number of people who reported spending less than their income rose from 56 percent in 1995 to 62 percent in 2001 among Americans who make between $20,000 and $80,000.

Living Below Your Means is about effective cost-cutting that doesn’t make us feel deprived. There are both immediate and long-term payoffs when you live below your means: you get a true sense of control and an expansive sense of freedom and options.

To learn more about living well on less, check out these great websites:

Here is a great brochure put out by the Consumer Literacy Consortium with lots of tips for cutting costs on transportation, insurance, banking, housing, utilities, and shopping: 66 Ways to Save Money.

You can also check out this nationwide campaign to help people pay down debt, build an emergency fund, and save for a home, an education, or retirement: America Saves.

Read more: Home, Household Hints

Inspired by Organic Style Magazine (September 2004 issue, Rodale Press).

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Annie B. Bond

Annie is a renowned expert in non-toxic and green living. She was named one of the top 20 environmental leaders by Body and Soul Magazine and "the foremost expert on green living." - Body & Soul Magazine, 2009. Learn Annie's latest eco-friendly news on, a website dedicated to healthy and green living.


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6:23AM PDT on Jun 30, 2012

I get a sense of elation and pride when I've not spent my money for the month. In times like these, every little perk helps.

2:07PM PDT on Apr 23, 2012

It's true, that freedom makes a huge difference in your life! :)

3:11PM PDT on Oct 18, 2011

3:10PM PDT on Oct 18, 2011

5:42AM PDT on Oct 4, 2011

Thanks for the article.

1:26PM PDT on Aug 4, 2011

That's another one of those things I would do if I were rich.

12:09PM PDT on May 21, 2011

Recycling is a way of life now. I do that with furniture. Fix it up so it matches your decor with an extreme make over and use your artistic talent. Take an old coffee table and put dinning table legs on it for those small spaces like apartments. You can renew a heirloom this way that been in the family and not have to discard it when it has no future use. Be creative.

12:05PM PDT on May 21, 2011

I agree with Bee Hive Lady. It's never to late to start.

12:04PM PDT on May 21, 2011

I agree with Bee Hive Lady. It's never to late to start.

9:25AM PDT on May 21, 2011

Yep, too many people are trying to "keep up with the Jones'"

So sad, when there are so many who are truly less fortunate...

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Disclaimer: The views expressed above are solely those of the author and may not reflect those of
Care2, Inc., its employees or advertisers.

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Thanks for sharing.


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