Everand Logo

Welcome to Everand!

  • Discover millions of ebooks, audiobooks, and so much more with a free trial

    Only $11.99/month after trial. Cancel anytime.

    A Frugal You
    A Frugal You
    A Frugal You
    Ebook118 pages1 hour

    A Frugal You

    By Brigitte Yuille

    ()

    Read preview

    About this ebook

    Prepare to modify your spending behavior. In the book, “A Frugal You” you will learn how to organize your life and finances. First, frugality is analyzed to understand the skills and tools needed for a lifestyle adjustment. Next, common expenses are examined to help you determine areas where you can save money and to help you determine the useful and creative methods to save money. Once you’ve completed the book, you will be armed with the mindset and the tools to help you live comfortably while living frugal.

    LanguageEnglish
    PublisherBrigitte Yuille
    Release dateJan 5, 2013
    ISBN9781301250158
    A Frugal You
    Author

    Brigitte Yuille

    Brigitte Yuille is CEO and founder of BY Communications Worldwide. She has worked in the fields of journalism and communication for nearly 20 years and earned a Master’s of Science in Communications from Florida International University. She has hosted business webcasts for ExecSense and Business 2 Community and has written for several business publications including the London edition of the Financial Times, Forbes Media, Entrepreneur and China Daily USA. She has also taught English and Business Communications as college professor.

    Related to A Frugal You

    Related ebooks

    Consumer Guides For You

    View More
    View More

    Related podcast episodes

    Related articles

    • Article

      Safekeeping Yearbooks

      Apr 21, 2020

      Safekeeping Yearbooks
      2 min read

    • Article

      To Prepare Your Heirs for Future Wealth, Don't Hide the Truth

      May 22, 2019

      For parents in families of multigenerational wealth, there are a lot of perceived third rails when it comes to discussing family wealth with your children. You may be afraid that when your child learns they stand to inherit a substantial amount of mo

      4 min read

    • Article

      How To Actually Pay For Your Wedding

      May 15, 2017

      How To Actually Pay For Your Wedding
      5 min read

    • Article

      Everything In Its Place

      Feb 10, 2023

      Everything In Its Place
      9 min read

    • Article

      20 IRS Audit Red Flags

      Nov 14, 2019

      20 IRS Audit Red Flags
      11 min read

    • Article

      Shop Smart, Pay Less

      Jan 12, 2024

      Shop Smart, Pay Less
      4 min read

    • Article

      How To Kakeibo Like You Mean It

      Jul 29, 2020

      The kakeibo will guide you to reflect on four key questions every month to support you through a process of saving and aligning your spending with your values. These four questions are: How much money do I have available? Start each month by journall

      1 min read

    • Article

      Making Change

      Jun 13, 2018

      Have you tried to make wellbeing change and felt you failed? Do you find yourself lurching from adopting great wellbeing strategies to abandoning them at other times? Or do you have desires to adopt new wellbeing strategies but just never seem to fin

      3 min read

    • Article

      Women's Training

      Nov 24, 2022

      Women's Training
      5 min read

    • Article

      Trending In The Right Direction

      Jun 30, 2021

      In life, it’s sometimes two steps forward and one step back. I have been reminded of this a few times this month. As I write, Melbourne has just experienced another extended period of lockdown. It’s tough. For some people, it’s a simple transition to

      3 min read

    • Article

      Escaping From Type 2 Diabetes

      Apr 16, 2020

      Escaping From Type 2 Diabetes
      11 min read

    • Article

      Make Retirement Your Best Years

      May 30, 2021

      Too often, Australians approach their retirement years with dread. They fear they won’t have enough money to live on and, worse still, that somehow they’ll run out of money when they need it most. Although, you can have the retirement of your dreams

      2 min read

    • Article

      Breaking your BAD HABITS

      Aug 28, 2022

      Breaking your BAD HABITS
      3 min read

    • Article

      Rethink Reframe Reboot

      Dec 10, 2020

      Rethink Reframe Reboot
      8 min read

    • Article

      After The Diet...

      Aug 18, 2021

      After The Diet...
      4 min read

    • Article

      Money Master

      Sep 8, 2022

      Money Master
      2 min read

    • Article

      Diet Is A Dirty Word

      Nov 13, 2019

      Diet Is A Dirty Word
      2 min read

    • Article

      Beat Food Guilt

      Mar 17, 2022

      Beat Food Guilt
      3 min read

    • Article

      Be Patient, Trust The Journey

      Jan 19, 2024

      Be Patient, Trust The Journey
      2 min read

    • Article

      Get Money Fit

      Apr 16, 2022

      Get Money Fit
      8 min read

    Related categories

    Reviews for A Frugal You

    0 ratings

    0 ratings0 reviews

    What did you think?

    Tap to rate

    Review must be at least 10 words

      Book preview

      A Frugal You - Brigitte Yuille

      Introduction

      Your lifestyle affects your survival. We can live a high quality life simply by taking responsibility of our behavior. Adopting healthy behaviors can help keep us fully functional for a long time. We often see this applied to our physical health, but this same approach can be applied to the way we handle our finances.

      So, when was the last time you were on a diet?

      Too often, people quit diets because they have a hard time trying to reach their goals. Some people actually reach their goals, but they are unsuccessful at maintaining their new svelte physique. They followed the rules, and that’s all they needed to do, right? Wrong. Sooner or later, they resort back to their old habits.

      The truth is that some people view dieting as a temporary fix when they really should adopt a healthy lifestyle. This lifestyle doesn’t just take the pounds off, it improves your overall health, from your vital signs to your bodily functions. A healthy lifestyle overhauls how you approach the way you eat and exercise. Lifestyles are viewed with a more permanent context: it’s the way it is and will be.

      When you eat, you have a choice. You choose what you will consume. The choice of food you eat can improve your life by giving you the energy you need and increasing your vitality. Your food choice can also leave you feeling drained when it lacks essential nutrients. When the wrong foods are consumed on a regular basis, they can put your life at risk, robbing you of your time.

      What you do with your money is quite similar. Once it’s received or earned, you have a choice. This choice influences how you live your life. If you make wise choices, you not only maintain your money, but you can also watch it grow and live comfortably. If you indulge by overspending, you run the risk of emptying your checking and saving accounts, accumulating debt, and ruining your credit. This way of living threatens your financial survival.

      A frugal lifestyle is much like adopting a healthy physical lifestyle. Your financial life is overhauled.

      Changing your lifestyle begins with the desire and courage to do so. Not only do you believe you can do it, but you will actually do it. It comes with the realization that it will take time and discipline, and even small changes can make a big impact. Although setbacks may occur, you have the strength to continue. A lifestyle change means improving your habits.

      When it comes to your physical health and financial well-being, you are improving both the way you consume and your exercise regimen. The exercises are based on the tools and techniques you choose to utilize to help you see improvements. Throughout this change, you are learning about yourself and keeping track of your progress. The measure for success from your hard work and perseverance are your results. The pleasant surprise is whom you may inspire along the way.

      So, while a healthy lifestyle incorporates a daily routine of nutrient-rich foods and vigorous physical exercise, a frugal lifestyle incorporates an appropriate use of currency and daily activities that trim your budget.

      This book will teach you to adopt a frugal lifestyle. It will help you reform your habits by analyzing what it means to be frugal. It provides you with tools and techniques to choose from to help you incorporate frugal living into your daily routine.

      Section One: The Frugal Mindset

      Chapter One: Frugality

      Frugality over time

      The idea of a frugal lifestyle isn’t new, but the reasons for its adoption change over time.

      Major religions such as Buddhism, Christianity, and Hinduism embrace the concept. These religions encourage restraint from materialism and encourage finding satisfaction in spirituality. During America’s early colonial era, people were limited to the basics and decreased the demand for imported luxury products. Laws controlling consumption were passed in Massachusetts and Pennsylvania during this period to curb the rising tide of materialism. Even in Europe, imported luxury goods were avoided, at least outside the royal court.⁴

      A couple of centuries later, the era of the Great Depression saw the loss of homes, jobs, and access to food. Perceptions about financial security changed and a depression mentality was adopted.³ After this period passed, people avoided acquiring debt and stashed money away, even remaining overly cautious during times of prosperity. This is seen in a brief story that Newsweek writer, Eve Conant, shares about her grandfather. The World War II refugee from the Ukraine bought the family’s home in Berkeley, California for $13,000 in cash, yet he stored leftover bread crusts in the closet in the event the family would go broke.¹ Although the Great Recession ended in June of 2009, people’s fears of a double-dip recession didn’t subside. New habits and values arose. This brings us to today: a new age of austerity.

      Cheap versus frugal

      The difference between cheap and frugal often confuses people. So let’s try this approach: think of a balance scale. At one end, you have people who are not saving enough. These are the people who sabotage their efforts to save by using excuses to talk themselves out of the process. On the other end of the scale are those extreme savers who go through great lengths not to spend a dollar. You can simply flip on your television to

      Enjoying the preview?
      Page 1 of 1