YVINTERN
Veteran
Spend less time on these boards!
I'm with you
USCREW!!! Take me to TLV!!!!!
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Spend less time on these boards!
I used to be an avid exerciser but really got away from it. My elliptical trainer and treadmill are clothes hangers in my basement. I've been rearranging my work out area and have decided to start my day with 10 minutes on one of the machines and 25 sit ups on my stability ball. Just set the alarm 10 minutes early, stagger past the coffee maker and hit the "on" button, then slide on tennis shoes.
Did it yesterday as a warm up and then again today...my official start date. I used to think if i didn't exercise for a 1/2 hour or more, I shouldn't bother but I saw this woman on TV that only did 5 minutes a day with push ups and sit ups and gained muscle, lost inches off her waist and dropped a pants size....
I think this is a goal I can live with....maybe next month or next year I'll get up to 20 minutes but for now, 10 is what I'm doing......Happy New Year and Good Luck to all in 2009 !!!!
The Difference in Being Frugal, and Being Cheap
What is the first word that comes to mind when I say the word frugal.
Cheap? If so, you are not alone. Most people tend to incorrectly
associate being frugal with being cheap, when in fact they are two
entirely different ways of looking at financial life. Dictionary.com
defines frugal as "prudently saving or sparing; not wasteful." The
same online dictionary service defines cheap as "stingy; miserly."
But the differences don't stop with the words' definitions. Frugal
people spend, give and consume a little differently than
their"cheaper" counterparts.
Followers of frugality generally believe in being lightweight
consumers of resources, whatever those resources may be. For
instance, many frugal people prefer to make meals from scratch rather
than paying several times for the cost of equivalent foods at a
restaurant. Cheap people also frequently look for deals, but still
could be heavy consumers of resources. Many cheap people will buy
things on sale just because they are on sale, not because they really
need them. Frugal individuals hunt for sales, too, but buy only
enough to live on for the immediate future.
Need more evidence? I'll use myself as an example. I appreciate value
in a product, even if it costs more than a cheaper alternative. My
time is important to me, so I'll pay a little more for convenience
items in a pinch, or shop at a nearby store to reduce the commute
time to drive to another area just to save a couple dollars. I
recognize good service, and am willing to tip extra to show my
appreciation when I receive it. In fact, I typically leave minimum
20% tips when we dine out and receive exceptional service. After all,
we don't eat out that often, and the two or three dollar difference
in 10% and 20% doesn't change my world much, but it may mean the
world to our server. I enjoy giving to help family members, friends
and strangers. In fact, one of my life goals is to become so wealthy
that I can play Secret Santa and give a lot of it away.
The typical cheap person generally displays the polar opposite
qualities. When it comes to shopping, many cheapskates will drive all
over town to save a few cents on a gallon gasoline, or a loaf of
bread. These types will pass up sales on quality products because the
final price is still higher than the cheaper alternative. Many would
never consider tipping anything above the 10% rule, even if it meant
counting out the $3.90 on a $39 bill - come folks, round up and live
a little!
The one thing I have found that frugal folks have in common with
cheap folks is there willingness to give, however they typically do
it in different ways. Frugal individuals enjoy making monetary
donations for causes they believe in, while their cheaper
counterparts prefer to donate non-monetary gifts such as their time,
their services, etc. Both types of givers are required for most
charitable programs to be successful, so there is a place for each
type, and I'm certainly not discounting the good deeds others have
done without shelling out cash.
I honestly believe there is a little of each category in all of US
(by "US" I mean those minding their money). I encourage you to think
about ways you may be perceived as "cheap" and move towards
frugality. I should take my own advice here and stop trying to buy
the 1000-count cheapo napkins or trash bags at wholesale clubs that
my wife insists could double for sand paper. I think I'll make her day
and show up with a few packs of Bounty napkins next time I'm out
(I have two coupons!).
.
For those of you who would like to save money this year here is a nice article my friend emailed me. Please note I am posting this since a few of you mentioned that you would like to save money this year and learn to be more frugal. For those of U cheapskateS, please recognize that being frugal is cool and pays off in the long run and is a smart strategy while being cheap only makes you look like a miser and that is so uncool and unbecoming. Maybe US could learn a little from this article.
Thanks for posting this article, FlightChic. I am absolutely, 100% frugal, and not "cheap" at all. I do joke around that I'm "cheap," but henceforth I will use the word "frugal" when describing my spending philosophy. I don't want "cheap." I want a good value!
Well, that's one way I have started to be more frugal. I would love to hear other ideas.
I'm about to restart my Ramen Noodles A-Palooza Diet so if you see YV get his 6 pack ahead of schedule...thank the Ramen Noodles
I ate so many Ramen noodles in my college days that if I eat any more I will puke! But man, they are cheap!!! It's fun picking which flavor to eat too.
This thread is making me hungry too. I love Chinese buffets! I always make sure I get my money's worth when I go.
Well, that's one way I have started to be more frugal. I would love to hear other ideas.