Living frugal is smart and easy to do

Living frugal has become second nature to us and is the primary reason that we could retire in 1994 and still be retired today.

Upfront let me point out the difference, mostly semantics, from frugal living and living cheap.

Living cheap is adopting a lifestyle that has low cost for shelter. We have lived on sailboats, RVs, lived overseas, been off the grid, and certainly downsized... We have experienced them all and can show you how as well.

I don't think that we look unusual or take unnecessary chances in order to live cheap... We simply enjoy being retired and practice stretching our dollars everyday.

Living frugal is not about sacrifice

We retired early by using lifestyles that require less money to maintain... We did not eat beans or dog food.

These are lifestyles that we've enjoyed since 1994, you decide if they look like sacrifice... I don't think you'll find any...

Living cheap is simply not wasting money

These lifestyles listed above involve low, sometimes free, housing costs.

Leaving cheap is something that we have done since our marriage in 1975... And I give most of the credit to my frugal wife...she treats nickels like they were manhole covers.

Frugal living means spending only what is necessary with zero waste... This site is not about how to invest better...there are plenty of financial planners around that will help you with that aspect of retirement.

We have made saving money a game, which we play every day.

I wonder if they still teach home economics in our schools, because we're dumbfounded at the checkout stand when the checkout person says, "Everything that you bought today is on sale or you have a coupon"...Duh.

We simply have more fun being retired than working... The very thought of returning to work (I do not consider maintaining this site to be drudgery), makes me sick to my stomach.

We wonder why everyone is not constantly aware of wasting money... You have worked hard for your money and you need to treat it with respect.


Living frugal... Specific tips you can start using today

These are not do as I say, not as I do, these are practical procedures we employ every day.

Living frugal , once you examine the above tips, will not seem overwhelming or require major lifestyle changes.

I am sure you will find these specific ideas very easy to implement into your daily life.