Savings Calculator

Because electrical lighting consumes nearly 15% of a household’s electricity use, you may wish to learn about some energy efficient lighting alternatives. Compact fluorescent lamps (CFLs) are one you should consider.

Their design blends the energy efficiency of fluorescent lighting with the convenience and interchangeability of incandescent fixtures. CFLs will fit nearly any fixture designed for an incandescent bulb.

Frugal living is more than a lifestyle. It’s a passion. Call Me Crazy! I love It!

Why, who wouldn’t love getting paid to buy products that they use everyday?

Here’s how I do it.

Gazing through the Sunday Paper, your eye catches a dazzling headline written in oversized fire engine red font. The advertisement reads, “Our 4.00% savings rate is among the highest rate in the nation.” Instantly dollar signs pop into your head as you envision beating the stock market with just a bank account.

It can seem difficult at times to put aside money for later, especially if you find yourself trying to make ends meet on a limited budget. Luckily, there are ways to fit savings into your budget, no matter how tight your budget might seem to be.

Post secondary education is very expensive in North America and unless you are fairly wealthy will be a worry for most parents. Obviously, not all kids go onto University or College but if they do and you haven’t planned for it you could find yourself with a large financial burden. This would probably happen just when most families are looking at finally having some financial security

For many people, making the decision to switch from two incomes to one can be a scary experience. They know they’re spending too much, but don’t know where to begin to cut back.

Most people don’t think they can live the frugal life and still be comfortable. I feed my family of 5 on $175 month. In 5 years my husband earned an average of $22,000 per year. In those 5 years we paid off $20,000 debt. There are countless ways you can cut, but if you are a frugal beginner, try these simple suggestions for saving on your food bill first.