Forestville

washing out Ziploc Baggies and reusing them. It is not about grinding your own wheat or collecting rainwater. It is not even about that new dress you did not buy. It is about thinking before you spend. It is about conserving what you have. It is about saving money and managing your finances. The point is that every household has to look at their own situation and then decide where they can - or need to - become more frugal. Frugal living does not mean doing without. It does not mean that you do not have what you need. In fact, it means the opposite. Frugal shoppers are careful. They take care of their money and make the most of it. Many frugal shoppers actually have everything they want and the satisfaction that it does not hurt them financially. They spend time to make wise decisions. They learn how to make their dollars really work for them, instead of against them. They have more for less money. Frugal living is about reducing what you spend, living within your means, using what you have and taking care of your belongings, including your money. It is about making goals and working to reach them. Which would you rather be: the person who decides when and where to spend his money or the person whose money is spent before he makes it? . Low or No-Cost Gift Ideas It doesn't have to cost anything in the way of money to give a loving gift. Try one of these frugal gifts and see how thrilled your recipient is. * Print them off a handmade coupon for a back massage. * Cook a special dinner for a friend or loved one. * Give someone a special a day of pampering. * Write a poem or a quote in honor of someone's birthday. * Create a drawing or painting that has special meaning. * Make them a piece of jewelry out of seashells or pinecones. *Print off information on a topic of interest to someone. * Pass along a family heirloom or something that has sentimental value. *Surprise someone with a picnic using food that you already have on hand. * Make cookies or fudge and wrap them in tissue paper. *Send an e-mail that lists out the reasons why they are special or why you love them.. *Give them an old photograph that has been tucked away for some time. *Create a hobby scrapbook with

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