Hey you out there. Yes you. Got money problems - too many bills - not enough income. Well, you have to get that piggy bank mentality - back! You know when you were a kid and all your money went into your precious piggy bank. Well, bring it on - the piggy bank is back - and - here to stay.
Mentally - you must say to yourself - what can I do today to save money? Just one thing - even if it's only pennies. Because you can try and go cold turkey for not spending - but - your setting yourself up to fail - baby steps - that is what will be more effective. A little here - a little there.
Frugality is a mentality. You don't have to be super cheap to be frugal. Just try and be careful on what your spending your money on. At Shopper's Drugmart stock up on 20 X the points day. And, only redeem on redemption days when your at your highest points level.
Nobody said it would be easy. Today - I am reading the free newspaper - hey I just saved .50 cents. Wow!
And remember - always - pay yourself first.
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