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Frugal Living, Thrift, and Saving Money

Color Fatigue and Money

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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! 

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Debt Repayment

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 bill.

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.

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Frugal footnotes:

Here 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
all off tomorrow.  Head in the right direction, and you will eventually get there.
- 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.

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