Frugal Living, Thrift, and Saving Money
Color Fatigue and Money
by Nikki Willhite
Color is a big part of your life, and
your finances. Many of the choices you make, especially with money, are
influenced by color. After we have made our purchases, we often tire of them,
simply because of the color.
If you tire of color
very quickly, you may have "color
fatigue". Color fatigue can cost you money. You will paint your walls more
often, change the colors of your clothing frequently, and change other items
like towels and bed linens unnecessarily.
There are ways to deal with this problem if you need
to save money. Some colors are very easy on the eyes, and you do not tire of
them as easily. The easiest color to live with is gray. If you have
color fatigue, and put a burgundy bedspread on your bed, you will probably tire
of it in about 3 months. However, if you put on a gray bedspread, it will not
affect you for years.
Gray is now a very popular color.
It is one of the most versatile neutral
colors. Gray goes well with many other colors, including reds, blue, greens and
shades of yellow.
Not everyone is affected by color. One of the
hardest things for me to do is to make a quilt in shades of just one color. I can
never get very far before I have to set it aside for awhile.
If you are one of the people who are sensitive to
color, try incorporating a little gray into your home and possessions. You may
find it to be a great money saving tip.
Did you Know...
If you need extra money you will make more money saving it than earning it. By
the times you receive earned money, minus deductions, it is only a percentage of what you earned.
When you save money, you save all of it!
FRUGAL TIP OF THE WEEK
Frugal people do not waste money paying interest. If
you want to live a lifestyle of thrift, you must stop using your credit cards.
You don't have to carry around a bunch of cash. Just use a debit card
instead of a credit card.
You will never pay off your credit cards if you only make the
minimum payment. Minimum credit card payment as set up so that you will
never pay off the balance. The credit card companies want you to keep
charging. The only way you will ever get rid of the balance is to ignore
the suggested payment and pay as make as high a payment as you can towards your
When you are working to pay off credit card debt, and have
several credit cards, there are two ways that you can work on the balances.
The "snowball" method is to pay off the credit card with the
lowest balance first. Minimum payments are made on all other credit cards.
Every resource possible is given to the one credit card to get rid of the
balance. When it is paid off, the money that was going to pay off that
card is applied to the card with the next lowest balance, and again you only pay
minimum payments on other credit cards. The idea is to attack one card at
a time with vengeance. This method is thought to work the best, because it
gives more encouragement as each card is paid off.
The second line of thought is to pay off the card with the
highest interest rate first, and then when that card is paid off, to work on the
next card with the highest interest rate.
Financial experts disagree on which method to use. While
the second method may save more money, you are more likely to stay on
course with the "snowball" method.
is some additional frugal advice to pay off debt.
- Learn to find just as much
pleasure in paying down debt as buying new things.
- Don't fall into the "all
or nothing" trap. Don't become discouraged that you can't pay it
off tomorrow. Head in the right direction, and you will eventually get
- There are situations where
debt is impossible to repay. If you have to declare bankruptcy, clean up
the mess, and get on with your life and learn from it.
Frugal Living Articles
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What you must now do to find low prescription drug prices.
Frugal Money Management
Children, Money and Frugal Living: Frugal Living Children. The
importance of teaching children about frugal living and the story of Curtis
Martin's sacrifice to help his family's finances.
Frugal Banana Cake: Homemade and Frugal Banana Cake Recipe:
A frugal and homemade recipe for banana cake.
Decorating and Color Schemes:
Color Choices. How to make frugal
choices colors and choose finishes for your home that will last.
Here are links to frugal and/or easy vegetable recipes. Nothing fancy here- just classic, frugal homemade
Cookies: Easy and Frugal Homemade Coconut Cookie Recipe
homemade cookie easy to make with shredded coconut.
Green Bean Casserole.
Baked green beans covered with French friend onions.
Easy potato recipe using frozen hash brown potatoes.
Southern Candied Yams
Recipe to make candied yams using fresh yams with/without marshmallows.