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Socialize the Frugal Way to Spare Your Wallet Sorrow

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Do you have some financial goals but dread that feeling of “keeping up” with your friends as they seem to always choose the most expensive outing possible? Do you love to hang out with them but hate how your debit card balance looks after a day at an amusement park or a night out downtown at the hottest clubs? Well, dread no more! Freshen up your social life and give your wallet a break by taking an initiative to suggest one of these four frugal hangout alternatives.

1. Game Night

pexels-photo-84663.jpegNothing packs fun and saving money into one package like hosting a game night. Invite friends over after dinner so all you will need to provide are a few tasty beverages and snacks, which costs far less than a night out in the town. You can spend hours with your favorite board or card games and don’t have to worry about Ubering your way home at a certain hour.

2. Potluck Food Contest

A great way to get everyone together for a meal without breaking the bank is to take a fresh spin to the potluck. By putting a competition aspect to the event, your friends will show off their edible contributions. Everyone, in turn, spends a fun evening together by spending very little, yet everyone gets to eat like a king.

3. Happy Hour Finder

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Saving money by socializing at home is fun, but getting out once in a while is still in order. The good news is that many restaurants have happy hours during the weekdays and late at night that save you money! These deals also pertain to appetizers and meals. Handy apps like Happy Hour Finder, the very app that Cosmopolitan magazine praised, connects you with all the best food and drink deals in your area. Going out doesn’t have to break the bank when you go at the right times.

4. Look Online for Free or Cheap Events

Your community hosts very cost-effective events if you keep your eyes peeled. Just take a quick trip to your city’s website. They usually have a calendar of events that are open to the public. You will be surprised to see how many free things are out there! Also, websites like Livingsocial and Groupon offer amazing deals for tickets and services. You can save up to 70% and beyond if you buy tickets in pairs which get you in the gates of a renaissance faire or in on a paint and sip night for a fraction of the original cost.

You don’t need to always dress up and go to a fancy restaurant to have a good time with friends. By replacing one of your outings with one of these frugal options, socializing will be friendlier on your finances.

Money Saving: It’s Easier Than You Might Think


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If you try to save money, it seems like something always happens like the car breaks down, the dog has a medical emergency, you have to make home repairs. Unexpected expenses have a way of greedily eating money we manage to save. There are ways to save money that you may not have considered.

First, open a bank account and have a small portion your paycheck direct deposited into it each week. Use a bank that you do not have easy access to withdrawing the funds. Granted you will still know that money is there, but you won’t be tempted to spend it on a nonessential purchase.
Second, use a website like mypoints, memolink, or swagbucks to gain points for searches, watching videos, shopping and surveys. The key here is that when you have earned enough points to get a gift card, choose a store which sells food, or other items you need. Then take the same amount of money and put it away. Use the gift card to maintain your usual shopping habits. Keep the money you saved in a safe place or account. Over time you will have a bunch of money saved and it is money you never had to part with in the first place.

Third, look for sales and use coupons. But again, figure out how much money you actually saved, and put it with the other money gained from earning gift cards online. Do not leave loose change or money in your pockets and wallet. If it is too easy to access, you will spend it without thinking. Put it in a safe place and only take what you actually need.

You will be able to put some money aside using this advice. Once you have thousands of dollars saved, visit your local bank and find out about Certificates of Deposit (CD) and other savings options. CD’s are great because you can’t touch your savings for a certain period of time without penalty, so you will hold on to your money. Good luck.

Frugal Living Hacks to Save More Money


The average American has less than $1,000 in savings, according to a recent Google Consumer Survey. Without a “nest egg,” unforeseen expenses could spell disaster for you and your family. But the good news is that you save more money by embracing frugal living.

Walmart Savings Catcher

If you shop at Walmart, be sure take advantage of the retailing giant’s Savings Catcher program. This program will automatically check competitors’ prices for purchased products to see if they are lower. If a competitor is selling the product at a lower price, Savings Catcher will give you the difference in the form of an electronic gift card.

Here’s a tip: you can save even more money at Walmart by paying with a cash back rewards credit card. Some credit cards may offer 1-3% cash back on all purchases, meaning for every $100 you spend, you’ll earn $1 to $3 in rewards bonuses.

Finance Manager App

Assuming you own a smartphone (and you probably do), try downloading a finance manager app like Mint. This app will organize all of your expenses and financial information to create a detailed budget. So instead of crossing your fingers and “hoping” that you don’t overspend one month, you’ll know exactly how much money is coming in and how much is going out.

Freeze Perishable Food

According to the National Resource Defense Council (NRDC), Americans throw out approximately 40% of their uneaten food, the equivalent of $165 billion annually. If you have a tendency to toss uneaten foods, consider freezing them long-term storage. From blueberries and strawberries to ground beef, chicken and even condiments, you can significantly extend the shelf life of most perishable foods by freezing.

Buy in Bulk

Another helpful frugal living tip is to buy in bulk. There are certain items that, when purchased in bulk, can yield huge savings. These typically include things like paper towels, toilet paper, laundry detergent, toothpaste, etc.

Eat Out Less

There’s nothing wrong with splurging every once in a while by dining out at your favorite restaurant, but this should be kept a minimum if you are trying to save money. Packing your lunch for work and eating meals at home can yield big savings over the course of a month.