Frugal Living | Budgeting | Debt Snowball | Simple Living

Dying with the most toys still leaves you dead. The grinding stress of a harried/hurried lifestyle robs you of vitality, energy, health, connection to a higher being and hope. Some of what you do in your life rubs off, and someone else’s life is changed. Eventually, economies will change because of millions of decisions and actions like yours. We can only hope that, at some point, consumerism dissipates, selfishness stops getting rewarded, justice prevails, the world’s wealth is shared and hunger diminishes.

One of the key issues of living simply is living within your means, and not accumulating debt. Staying out of debt requires setting a monthly budget, and is probably the single best thing you can do to ensure your financial security. Budgeting helps because when you decide in advance how much to spend in each of your budgeted categories, you’re more likely to stick to it. Take the money you save by curtailing your spending and put it in an emergency fund to cover unpredictable expenses, like car repairs or a plumbing leak.

Staying out of debt allows more freedom to maintain chosen priorities and it often requires changing your “wants” versus your “needs”.

Financial concerns set the stage for chronic stress, which inevitably leads to unnecessary aging and illness. Responsibility is the foundation of debt free living. Financing an expensive lifestyle on credit may be possible, but it’s not the wisest course of action. Eventually you reach the end of your credit limits and a time of reckoning comes.

The pursuit of riches, pleasure, and power, beyond basic needs, is addictive and destructive to one’s self and to those in need.

Living SIMPLY is good in itself.

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