Why does frugality have to be painful?

If you know you only have $3000 a month and your necessities equal $2150 then why spend more? Too many commercials about saving money and cutting back make people seem like they are sad. “Saving money getting you down?”

Actually saving money makes me very happy.

Does saving money so you will have it for the future make you unhappy?

Ok we know that cutting down on nonessentials is only one way of spending within your means. Just as making changes in spending habits – especially those small daily indulgences that you don’t consider will make a difference for your budget.

If you overspend in one area often, then maybe you might want to increase your budget in that area. Overspend in an area once – like for air conditioning or heat, or an emergency tire or faucet then that is one thing. Overspend for groceries or cell phone bill then you need to increase your budget in that area.

Paying for many things with cash is a way of budgeting. When you run out of cash, you have nothing else to spend… simple.