Keep searching for new paths. You know your destination, but you don't always know how to get there. Frugal living is an ongoing challenge. There is no end to it. You keep learning and you keep pushing yourself to save a little bit more. Step Four: Budgeting is your gasoline. You have to know where you are spending your money in order to spend less. It often helps to track every penny that you spend. Right down to the penny. Don't cheat. Those small expenditures can really add up. Your budget will keep you working towards your goal and spending less each month. This is where you can really sit down and see what is necessary and what isn't. When everything is on paper, it is easy to see the changes that could be made. Step Five: Save your savings. If you save money on groceries, what happens to it? Do you spend it somewhere else? You should save your savings. Immediately write out a check to your savings account for the money you have saved. This ensures that the sacrifices you made in cutting back really pay off. If you don't save it, it really isn't saved money. . How Can I Be Frugal? Buy everyday items you use in bulk. Buy the biggest package you can find, which gives you the most for the money. Cut out most frozen foods. Some frozen foods make sense, like buying frozen bread dough. It is cheaper to buy three or four unbaked loaves together, than to buy one loaf of bread in the bread section. You can dress up frozen bread dough by rolling it out, brushing it with butter and spreading cinnamon-sugar. Just roll it back up and bake. Voila, you have cinnamon bread. Throw in raisins or pecans for variety. Buy less convenience foods, and more staples like dry beans, rice, fresh fruits and vegetables, meat, milk and butter (store brand.) Buy food in bulk when possible. Forego the nicely packaged pre-made honey butter, mashed potatoes, or other prepared foods. Eat out less. If you must eat restaurant food, get the whole meal as a take-out. That saves you from buying pricey mixed drinks, paying gratuities, and buying that fancy dessert you couldn't live without but didn't need. Instead of going to the theater, buying popcorn and expensive tickets in prime time rent it at
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