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TheFrugalLifestyle.com

Welcome to The Frugal Lifestyle!

Spend Less • Earn More • Live Better

In this challenging economy, some of us have had to cut back on our expenses. Wouldn't it be nice to still have the things or services you want and need but not have to pay full price or even better, get it for free?

This website and blog offers frugal tips and money saving ideas to help you live a "richer" life. Save money on everyday living. Start living the "frugal lifestyle" today.

Real Savings + Extra Earnings = A Richer Life

Top 10 Biggest Money Savers

How much do you spend on your basic monthly expenses? We all have basic expenses that are part of everyday life; such as insurance, utilities, etc..

We have found companies online that we have personally used in order to save money, especially on the big ticket items. By shopping around for better rates or plans you really can save money. It does pay to compare, it could save you hundreds annually.

The top 10 list of categories where you can save the most money:

   1. Housing
   2. Health Care
   3. Debt/Finance
   4. Groceries/Dining
   5. Utilities
   6. Technology
   7. Insurance
   8. Auto/Gasoline
   9. Clothing/Shopping
10.Entertainment/Travel

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BARGAINS & DEALS GALORE

I found some great frugal bargains in a recent Real Simple magazine issue that I would like to highlight. For more frugal tips and ideas, check out frugal tips.

Recycle Rewards

Apple: Go go apple.com/recycling to find out if your Mac or PC is worth anything. If it is, you’ll get that dollar amount applied toward an Apple gift card.
MAC Cosmetics: Customers who return six used MAC product containers receive a free lipstick.
Staples: Bring any used ink or toner cartridge to a store and receive $2 in Staples Rewards for a future purchase.

AAA Membership Deals

Best Western Hotels: Up to 20 percent off room rates
Hard Rock Cafe: 10 percent off.
Lenscrafters and Pearle Vision: 30 percent off eye exams, eyewear, sunglasses and accessories.
Hilton Worldwide hotels: At least 5 percent off room rates
Hyatt Hotels: 10 percent off room rates
Target.com: 10 percent off online purchases (via AAA.com)
Starwood hotels: 5 to 15 percent off room rates
El Torito restaurants: 10 percent off, up to 4 adult entrees

Pay Less For Coffee

Einstein Bros. Bagels: Coffee in your personal mug costs just $1 – that’s 40% off regular price.
Peet’s Coffee & Tea: 10 cents off with a refillable cup
Starbucks: Save 10 cents when you bring a mug. Bonus: Free refills with a Gold card.

Student or Teacher ID Perks

Apple: Students, teachers and school administrators receive $50 to $450 off computers.
Club Monaco: 20 percent off for college students and professors.
J. Crew: 15 percent off for college students and professors.
Topshop: 10 percent off with a valid high school or college ID.

MAXIMIZE YOUR SAVINGS & CREDIT

This year we can hopefully all see a light at the end of this dismal economic tunnel. There are of course numerous ways to spend less on almost everything, however, there are several ways can we maximize the savings or credit we have.

Money magazine’s end of 2011 issue highlights several action plans we can take in order to save wisely and borrow judiciously.

Search For Yield

Online banks, with less overhead, are a great place to start. Savings accounts at American Express or Discover Bank yield 1% – no great shakes but five times the national average. Also, check out high-yielding checking options at a local bank, where you can often find rates above 2%. There are trade-offs, though. For instance, to get that rate, you may have to commit to making at least 10 debit card transactions a month and sign up for direct deposit.

Search for the best rates where you live by visiting moneyrates.com/rewardschecking.htm. Call the bank about terms and qualifications that may apply. Also, check for the best savings and CD rates at MoneyAisle.com.

Also, visit bankrate.com to make sure the banks you’re considering earn at least three stars for safety.

Don't Rule Out Borrowing

“Expect to see aggressive offers from banks, whether it’s for a mortgage or a credit card,” says Sherief Meleis, a partner at Novantas. In November, for example, the average home-equity loan was charging 6.98%, and credit card APRs went as low as 7%. Be advised, though: Lending standards aren’t loosening. Visit LendingTree.com for free loan quotes from multiple lenders.

Apply For A Rewards Card

Your excellent credit score qualifies you for the very best offers. Sign-up bonuses are up 25% – and are expected to stay that way for the coming year, according to NerdWallet.com, which tracks credit card offers. For example, Discover Card offers 5% rewards program.

Don’t wait too long to apply; with debit card reform passed, legislators are likely to turn to credit cards next. And who knows how that will affect your perks.

SPEND LESS ON HEALTH CARE

Have you or someone you know wished there was a way to get a quick medical answer from a doctor or health practitioner?

Most patients often have to wait days for an appointment at their doctor’s office and may have to miss a day of work in order to go to their doctor’s office. Urgent care clinics charge upwards of $150.00 per visit. Emergency rooms are often understaffed, overcrowded and very expensive. I think everyone wants to spend less on health care cost these days.

I found this great new service CallMD Plus that offers its members unlimited 24/7/365 access to a nationwide medical support team with just a simple phone call. You can receive medical advice by phone, wherever and whenever – at home, work, school, or on vacation! One $19.95 membership covers your entire family! That’s 67 cents per day, less than a cup of coffee!

CallMD Plus has an extensive team of Registered Nurses and Board Certified Physicians to provide qualified health advice to members for ALL non-emergency situations. As a member, you can simply pick up the phone, and get the advice you need. Because CallMD Plus is so convenient, you can continue to follow your normal daily activities at home or work. It is like stepping back in time to a world where the patient was the king/queen, and the medical practitioners came to your home, instead of you going to their offices!

CallMD Plus is designed to meet the needs of you and your family. To learn more details, visit SpendLessOnHealthCare.com. Watch this informative video below:

SAVE MONEY ON GAS & FUEL COST

With gasoline (and diesel) prices going up, now is the time to look into ways to save money each time you fill up your tank. Would you like to save between 40¢-90¢ on every gallon of fuel that you purchase for your car or truck?

Do you know anyone else who would also like to save 40¢-90¢ on every gallon of gasoline or diesel fuel that they purchase? There’s a fuel additive product available called Xp3 from a company called Fuel Direct that saves you money on something that you must purchase all the time – fuel for your vehicles. It actually costs you money to NOT use Xp3 ! Watch the short below for an overview.

A Little Goes A Long Way

Unlike other fuel additives, Xp3 is very concentrated. We recommend that you purchase the convenient “torpedoes” first and then refill them from the 16 ounce bottle.

Pour the contents of the convenient “torpedo” shaped container (just 4/5ths ounce) into your fuel tank before filling your tank with fuel.
Each torpedo treats up to 20 gallons of gasoline or 24 gallons of diesel fuel.
Each 16 ounce bottle treats 20 tankfuls (400-500 gallons) of fuel.

Gasoline Example: One 16 ounce bottle of Xp3 will treat up to 400 gallons of gasoline. If your mileage improves 15% (20->23MPG), that is like saving 60 gallons of gasoline (400 x 15%). If you pay $3/gallon, you could save $180*. If you pay $3.50/gallon, you could save $210*.

Diesel Example: One 16 ounce bottle of Xp3 for diesel fuel will treat up to 500 gallons of diesel fuel. If your mileage improves 15% (20->23MPG), that is like saving 75 gallons of diesel (500 x 15%). If you pay $3.50/gallon, you could save $260*. If you pay $4.00/gallon, you could save $300*.

*Everyone experiences different results.

Xp3 is formulated to improve the performance of all kinds of gasoline and diesel fuels.

Works with all classes of gasoline and diesel fuel
Improves combustion and increases engine power
Reduces fuel consumption
Reduces levels of toxic emissions
Totally disperses water in fuel
Improves engine starting and avoids pre-ignition
Stabilizes light and heavy oils
Has a detergent and antioxidant effect
Reduces corrosion and increases the life of your engine
Improves the stabilization, lubricity and detergency of the fuel
Does not contain any aromatics or naphtha
Improves the pour point (great for cold weather)
Avoids fuel freezing during winter
100% biodegradable (the package is also biodegradable)

For more information and complete details visit TeamFuelDirect.