Finding ways to save money is at the top of most people's to-do list. Spending less doesn't mean you have to live with less. Sometimes a little effort and creativity can save a lot of money.

The tips in this section can help you find ways to cut back on spending. You'll find ideas to reduce several bills including water and other utilities. There are also some great tips for giving frugal gifts and living debt free.

Tips, Tricks, and Answers

The following articles are available for the 'Frugal Living' topic. Click the article''s title (shown in bold) to see the associated article.

   Being a Frugal Food Shopper
For most people in the country, money is almost always an issue, and as such people are constantly looking for ways to save money. One method that almost everyone could take part in is by being a more frugal food shopper.

   Does Clipping Coupons Really Work?
Couponing has come a long way from clipping the ads in the Sunday newspaper. Internet sites now have printable coupons so you can pick and choose what works for you.

   Finding Low Cost Christmas Gifts
'Tis the season to give one another tokens of our love and appreciation. But how can we do that when faced with some of the most difficult financial times in recent history? Finding low cost Christmas gifts doesn't have to be a hassle. Here's how you can find yours.

   Frugal Gift Giving
Chances are, sometime over the next year you are going to need to give at least one gift, and most people have to provide more than one. One of the largest obstacles for those interested in the frugal lifestyle is gift giving. Frugal gift giving is something that anyone can do. Here's how.

   Homemade Christmas
Are you looking for something other than Christmas from a box? Despite what many people think, there is nothing wrong with a homemade Christmas. Here are some great ideas for helping you have a more frugal, and personal, Christmas season.

   Living Debt Free
Living debt free is a most worthy goal and one that takes planning and discipline. If you can wisely manage your money, then you can live debt free.

   Lowering Utility Bills
Have you ever noticed how utility bills always fluctuate, but at the same time seem to be higher than they really need to be? Lowering utility bills is entirely possible, though it may take a slight change in your lifestyle. All you really need to do is follow these simple guidelines.

   Lowering Your Cost of Living
Have you ever noticed how difficult it can be to get by when you don't have much money? Well, one method that you can use to make your life a little easier is to reduce your cost of living. Lowering your cost of living isn't that difficult.

   Making Coupon Clipping Work
Whether money is currently tight, or you are simply looking to save as much as possible so that you can create a larger nest egg, there are always methods available to save money. One of the more effective methods, if done properly, for saving money is by clipping coupons. Here are the steps for making coupon clipping work.

   Reducing the Cost of Living
Your cost of living is based on your total monthly expenses. If job situations change, cost of living criteria need to be adjusted, and at times downsized.

   Reducing Your Garbage Bill
Depending on where you live and what services are available, you may be able to better control your garbage bill. If you're charged by-the-bag or by volume then there are easy ways you can reduce your bill and save your money for other things.

   Reducing Your Utility Bill
Your utility bill is one of those bills that you will always have and always have to pay; you can't go without electricity. While it may be a bit pricey sometimes, you can take steps to lower that bill and to make your home more power efficient.

   Reducing Your Water Bill
You will always have to pay for water and you can't necessarily control what they charge for water. You can however take control of what they charge you by how much you use. Stretch your wallet a bit further by monitoring the manner and quantity of your water usage. If you can do that then you have your water bill under control!

   Reining In Your Spending
Whether you are young or old, if you are not careful in your spending habits you can easily find yourself in a world of financial hurt. Luckily, reining in your spending habits is something that is possible, though it could take a bit of work on your part.

   Save Money by Recycling
The idea of saving money by recycling is a good one and unfortunately too ideal for today's consumer world. While supposedly you can save money by recycling, really those who recycle don't gain or save much and just recycle out of the goodness of their hearts.

   Save Money on Gas
Gasoline has this really nasty habit of going way up in price, and then going back down somewhat (but not completely) before going back up again. Since this is a vicious cycle that no one really likes, it only makes sense to try and save as much money as possible. Here are several methods that you can use to save money on gas.

   Save Money on Gifts
Finding the right present for the right price can sometimes seem a daunting task. If you can just look at the gift giving process in a new way however, it's not hard to discover ways to save you money while still giving a thoughtful and worthwhile gift.

   Stretching Your Salary
Whether you are subject to being in a bad economy, have recently been faced with a pay reduction, or simply are starting out in life, then you know the pain of salary life. Stretching your salary is an important skill that everyone can learn; all you need to do is follow these simple guidelines.

   What is the Frugal Lifestyle?
What is the frugal lifestyle? Chances are you have at the very least heard about having to live more frugally your entire life. The question though is how to do it? The answer is both surprisingly easy, and shockingly hard.