ear doing this. Or you can find an insurance policy that could save you $100 a year in premiums. Either way, those small steps are saving you pennies that add up to big savings. They don't take a lot of work, but they save you money.

Okay, you may be saying that these things are so small that they don't really matter. Well, what could you do with $154 extra dollars? H

Too many people simply assume that a penny saved is just a penny saved and nothing more. But save enough of those pennies and you will have a dollar, ten dollars or even a hundred dollars.

And the best part of saving a penny is that it doesn't take a great sacrifice on your part. You are just talking small frugal changes, not cutting out everything from your life.

Frugal living isn't about sacrifice. It is about spending less and getting the same amount or more. It is about cutting the costs associated with your everyday living. Will turning off a few lights around your house take a huge sacrifice on your part? No. And after a while it becomes a habit. And your electric bill is a tad smaller.

You can change your habits. Challenge is a good thing that motivates you. Challenge yourself to be frugal this year.

The easy thing about living frugally is that you do it day by day. You don't have to think any further than right now. You simply take it penny by penny. But this can also make it hard to see what you are really saving. It is like watching every single pound when you are loosing weight. You are constantly wondering if you are getting somewhere.

So in your frugal lifestyle, stop focusing on the individual pennies. Take the steps one at a time, but remember that each step is saving you money.

It can be as simple as buying a few dozen cloth napkins and dish clothes and vowing to never use paper napkins or paper towels again. You can save $54 a year doing this. Or you can find an insurance policy that could save you $100 a year in premiums. Either way, those small steps are saving you pennies that add up to big savings. They don't take a lot of work, but they save you money.

Okay, you may be saying that these things are so small that they don't really matter. Well, what could you do with $154 extra dollars? Ho

Frugal living isn't about sacrifice. It is about spending less and getting the same amount or more. It is about cutting the costs associated with your everyday living. Will turning off a few lights around your house take a huge sacrifice on your part? No. And after a while it becomes a habit. And your electric bill is a tad smaller.

You can change your habits. Challenge is a good thing that motivates you. Challenge yourself to be frugal this year.

The easy thing about living frugally is that you do it day by day. You don't have to think any further than right now. You simply take it penny by penny. But this can also make it hard to see what you are really saving. It is like watching every single pound when you are loosing weight. You are constantly wondering if you are getting somewhere.

So in your frugal lifestyle, stop focusing on the individual pennies. Take the steps one at a time, but remember that each step is saving you money.

It can be as simple as buying a few dozen cloth napkins and dish clothes and vowing to never use paper napkins or paper towels again. You can save $54 a year doing this. Or you can find an insurance policy that could save you $100 a year in premiums. Either way, those small steps are saving you pennies that add up to big savings. They don't take a lot of work, but they save you money.

Okay, you may be saying that these things are so small that they don't really matter. Well, what could you do with $154 extra dollars? H

lenge is a good thing that motivates you. Challenge yourself to be frugal this year.

The easy thing about living frugally is that you do it day by day. You don't have to think any further than right now. You simply take it penny by penny. But this can also make it hard to see what you are really saving. It is like watching every single pound when you are loosing weight. You are constantly wondering if you are getting somewhere.

So in your frugal lifestyle, stop focusing on the individual pennies. Take the steps one at a time, but remember that each step is saving you money.

It can be as simple as buying a few dozen cloth napkins and dish clothes and vowing to never use paper napkins or paper towels again. You can save $54 a year doing this. Or you can find an insurance policy that could save you $100 a year in premiums. Either way, those small steps are saving you pennies that add up to big savings. They don't take a lot of work, but they save you money.

Okay, you may be saying that these things are so small that they don't really matter. Well, what could you do with $154 extra dollars? H

. You are constantly wondering if you are getting somewhere.

So in your frugal lifestyle, stop focusing on the individual pennies. Take the steps one at a time, but remember that each step is saving you money.

It can be as simple as buying a few dozen cloth napkins and dish clothes and vowing to never use paper napkins or paper towels again. You can save $54 a year doing this. Or you can find an insurance policy that could save you $100 a year in premiums. Either way, those small steps are saving you pennies that add up to big savings. They don't take a lot of work, but they save you money.

Okay, you may be saying that these things are so small that they don't really matter. Well, what could you do with $154 extra dollars? H

ear doing this. Or you can find an insurance policy that could save you $100 a year in premiums. Either way, those small steps are saving you pennies that add up to big savings. They don't take a lot of work, but they save you money.

Okay, you may be saying that these things are so small that they don't really matter. Well, what could you do with $154 extra dollars? How about renting a movie instead of going to the theatre three times this year? That could save you another $75. Change your own oil in your vehicle and save around $40. Quit eating out and eat in one additional night a month and save $240.

Before you know it, these little changes will add up to a nice vacation, new furniture or a college fund for your children.

The options are endless. Saving up your pennies really does make sense. Frugal living is a nice way to take it day by day. The key is to put your savings in an actual savings account. When you notice that your electric bill is lower, put the extra money in your savings. When you spend less at the grocery store, put the extra money in savings. When you eat in instead of dining out, put the saved money in your savings account. It won't take long and you will see how it starts to grow.