Frugaling

Save more, live well, give generously

  • Home
  • Start Here
  • Popular
    • Archives
  • Recommended
  • Contact
  • Save Money
    • Lifestyle Downgrade
    • Save Money with Mindfulness
    • Save at Starbucks
    • Psychological Trick To Reduce Your Online Shopping
    • Best Freebies
  • Minimalism
    • 8 TED Talks To Become A Minimalist
    • We Rent This Life
    • Everything Must Go
    • Lifestyle Downgrade
    • The Purchase Paradox: Wanting, Until You Own It
    • Nothing In My Pockets
  • Social Justice
    • Destroy The 40-Hour Workweek
    • Too Poor To Protest: Income Inequality
    • The New Rich: How $250k A Year Became Middle Class
    • Hunter Gatherers vs. 21st Century Desk-sitters
  • Make Money
    • Make $10k in 10 Months
    • Monetize Your Blog
    • Side Hustle for Serious Cash
  • Loans
    • 5 Rules To Follow Before Accepting Student Loans
    • Would You Marry Me?
    • Should I Have a Credit Card If I’m In Debt?
    • $50k in Scholarships in 70 Minutes

You Aren’t Frugal Enough!

By Frugaling 21 Comments

Share This:

Sale Ends Today Banksy Art Consumption

The world currently exists in an infinite growth paradigm — an impossibility that will lead to the planet’s destruction if not curtailed — where increased production and consumption are desired. A pressure to work, spend, and consumptively “contribute” can come from both internal and external sources. This environment makes frugality challenging.

Individually, I struggle to save money, eat out less, and make healthy financial choices. It’s easy to pull out excuses: I’m tired, stressed, or too busy. This monologue pushes me to spend on items that should make me feel relaxed and content. They don’t. My precarious budget necessitates and encourages an alternative. Moreover, I’m motivated to reduce my environmental impact due to climate change. To consume is human (i.e., food), but to buy endlessly and without reason is disastrous. But I can’t say it’s easy, as I must be continually mindful of my spending. Mistakes happen when I’m not actively working at it. Last weekend I spent about $35 going out for food and drinks, in a moment of total unconscious spending.

Along with this self-promulgated racket, there are also social pressures that encourage spending. Society has certain expectations about wealth and success. Usually, achievement in the eyes of our capitalist system requires a paycheck of about $50,000 or more — with continual raises and bonuses. Income must also be spent conspicuously. In other words, you should find ways to spend on things that provide no material value — they just occupy space (i.e., larger cars, homes, and the crap to fill them).

Buy Me. I'll Change Your Life. Art Graphic.If you aren’t making these purchases there can be a social reaction or rejection. This is where frugality gets messy. For instance, I tried a dating site that asked whether I owned a car. The question seemed innocuous enough, but upon further inspection I realized it was aimed at attractiveness. See, asking whether I had a car was meant to give information to potential women. They would be asked the same thing, but I could see many women’s profiles needed the man to have a car. It made me feel bad. Not having a car made me less attractive; an obvious societal pressure, which still felt unexpectedly horrible. I clearly wasn’t meeting the expectations of those on the site. I wished I owned a car momentarily.

It’s not just cars. Look at the phone in your pocket. If you’re a millennial, it’s likely a smartphone — mine is! When you see someone pull out a flip phone or a “brick,” you may judge that person’s income level and status — I have. But is that fair, right, or healthy?

The greatest challenge to my frugality has come from those who verbally question my decisions (fortunately, none of my friends 🙂 ). For example, there are people who tell me I’m not frugal enough or could/should be doing better. Essentially, they’re saying, “You’re trying to be frugal, but you haven’t met my expectations. If you really want to be frugal, you’d do this…” The other critique I receive is that my frugality hurts the economy. By reducing my consumption, I’m somehow not doing my part. When I more accurately reflect on these situations, I realize that something about my goals are creating a reactionary defensiveness in some people.

I’ve found that my method of talking about frugality and saving money greatly affects how safe others feel about their own choices. A spendthrift may inherently be insulted and/or self-conscious by my choices. What they don’t realize is that their social pressures (or critiques) can act on a healthy budget to encourage conformity and consumption.

Becoming more frugal isn’t without challenges — both internal and external. The frugal life isn’t always easy, but it certainly feels rewarding when done right.

Filed Under: Save Money Tagged With: Consumerism, Consumption, environment, Frugal, frugality, money, Save, social pressure, spend, Work

August 2014 – Blog Income Report

By Frugaling 10 Comments

Share This:

Important: Preamble before profits

Despite being a personal finance website and blog, I’ve hesitated to regularly provide specific earnings. Each time I’ve shared writing revenue — at 6 and 12 months — it’s taken me some time to deliberate whether I should. My revenue isn’t everything, and frankly, it’s been steadily declining since last summer. But while I made less revenue, I saw more traffic — the important metric to me.

Many personal finance blogs share their earnings on a regular, monthly basis with their readers. My fear in regularly doing so may come from an irrational place, but I worry that sharing this information is like eating junk food; the syrupy sweet taste goes down easily, but it has a vapid nutritional value. Last month, I decided to share those income stats and many readers liked seeing how the website was helping my financial goals. Hope these stats help in your own blogging/writing journey!

August 2014 — Blog income report

August was a rough month for earnings. Unfortunately, the continued slump and decline in earnings has not stopped. At one point in January and February of this year, I was making over $5000 per month from the site. Now, I’m lucky to be making over $500. It’s definitely changed how I budget for the future, and I wish there was something I could do to change the situation. Thankfully, my traffic continues to stay strong, along with social media growth. I crossed over 1,400 followers on Twitter, which is a tremendous milestone for me.

Google Analytics Screenshot of Stats
Here’s what my traffic stats looked like this month.

LinkOffers Affiliates
$485 (Up $69 compared to last month)

Again, affiliate sales led for income. Buoyed by two credit cards, Barclaycard Arrival and US Airways, I saw a slight increase in earnings this month. Over the last few months, LinkOffers has steadily cut the commission on credit cards. Consequently, this is much of the reason why these numbers slumped since the beginning of the year. I have not been regularly advertising affiliate deals and links, which may also be contributing to the slide and stagnation of revenue. I have some work to do here.

Google AdSense
$40.47 (Down $207 compared to last month)

Last month I had a hugely viral article that brought in hundreds of thousands of visitors. It was unreal. That spike in traffic artificially cause Google AdSense revenue to expand. Now, it’s back to more realistic values. This value tends to track around $50 per month. For August, I ended up moving an ad space to the beginning of articles to try to keep ads highly visible. Thus far, I’m not seeing any major revenue boost from this switch.

Amazon Associates
$0.20 (Negligible change)

Somebody mentioned that Amazon’s Associates program may have taken a big dive due to the Smile program. This Amazon initiative encourages shoppers to choose a charity to support. By selecting one, a percentage of your purchases go to that charity. It’s a great program, but it looks like it may remove your referral link. This may be reducing any commission possibilities.

Total August 2014 Earnings: $525.55 (Down $139.53 compared to last month)

Forward-looking statements

Last month I mentioned that I’d like to begin reviewing books, films, and media that help diversify the conversation about personal finance. I decided to start with a super ambitious read called All the Presidents’ Bankers by Nomi Prins. I’m about halfway through this impressive tome of financial and banking history. Thus far, I’m loving it, and can’t wait to share it with you all! Likewise, I will be writing a review of a new documentary, Rich Hill. This film is about severe poverty in a small, midwestern town. Look forward to those soon.

As for revenue, I’m not working actively enough to change the financial situation each month. That’s something I need to work on. I’ll likely revamp and republish a couple articles on some of my favorite affiliate links.

Thanks for reading! If you’ve got questions, comments, or advice, I’d love to hear it below!

Filed Under: Make Money Tagged With: ads, August, Blog, Blogging, Google, Income, LinkOffers, money, Write, Writing

Are Private Equity Firms Job Creators? [Video]

By Frugaling 1 Comment

Share This:

If you regularly read Frugaling, you know I don’t shy away from the socio-political concerns that hamper people’s ability to save and earn. I’m a firm believer that in our very classist society, some are earning more than their fair share and paying less to the federal government than ever. This feudal system has tragic consequences for the working poor.

In the past, I took aim at the concept of “job creators.” This term has been manipulated and contorted into a Fox News slogan for reverse classism — pitying the 1 percent because they are somehow being threatened. Well finally, someone at CNBC — Jim Cramer, no less — is critiquing the great myth of the American job creator class. Go Jim!

What’s your take, can private equity firms like Carlyle and Blackstone create jobs? Why or why not?

Filed Under: Make Money Tagged With: Class, classism, cnbc, Government, Jim Cramer, Job Creators, jobs, money

Would You Pick Up A Penny? [Video]

By Frugaling 15 Comments

Share This:

Penny Picture
Photo: Dagny Mol/Flickr

“Find a penny, pick it up, and all the day you’ll have good luck.”

That’s what I grew up saying, and occasionally, I can’t help but pick up a penny. The penny — a dirty brown, copper coin — is the lowest denomination we own as Americans. With inflation, rising prices, and a changing, digital economy, the penny doesn’t seem to be necessary. It’s really more weight than it’s worth.

It’s an interesting question, though: What amount of money would you need to see to pick it up? Would you go for a penny? How about a nickel, dime, quarter? When does picking up some loose change seem like a reasonable use of time? For me, if I see a nickel or more, my rapacious little hands are quick to grab it.

I’m a man with nary a dime of net worth, finding a nickel feels like winning the lotto. Well, maybe I’m being a bit hyperbolic, but you get the picture. In my current economic state, the percentage that a nickel, dime, or quarter contains is worth my bending down to grab it. But it’s important to keep some perspective about wealth in the United States.

When you’re a billionaire like Bill Gates, reaching for that little coin may cost you more than it’s worth. Here’s the always amazing, talented, and funny, Neil deGrasse Tyson to explain:

Filed Under: Make Money Tagged With: billion, cents, change, coins, dollars, inequality, money, Neil deGrasse Tyson, pennies, penny, Wealth

  • « Previous Page
  • 1
  • …
  • 7
  • 8
  • 9
  • 10
  • 11
  • …
  • 17
  • Next Page »

Follow

  • Facebook
  • Google+
  • Pinterest
  • RSS
  • Twitter

Subscribe

Best Of

  • 8 TED Talks That Will Inspire You To Become A Minimalist
    8 TED Talks That Will Inspire You To Become A Minimalist
  • 5 Tricks To Save Money At Starbucks (Updated)
    5 Tricks To Save Money At Starbucks (Updated)
  • Is Frozen Juice Cheaper?
    Is Frozen Juice Cheaper?
  • Be Your Own Brand Ambassador, Not Someone Else's
    Be Your Own Brand Ambassador, Not Someone Else's
  • What's $100 Worth In Your State?
    What's $100 Worth In Your State?
  • Who's Responsible For Poverty?
    Who's Responsible For Poverty?

Recent Posts

  • Débuter en photographie sans se ruiner
  • How to Eat Healthy on a Budget
  • How To Live Stream Your Art
  • 5 Fun Summer Activities on a Budget
  • How to Pay Off Medical Debt

Search

Archives

  • August 2025 (1)
  • June 2023 (1)
  • May 2023 (2)
  • January 2023 (1)
  • March 2022 (3)
  • February 2022 (2)
  • November 2021 (1)
  • October 2021 (2)
  • August 2021 (4)
  • July 2021 (5)
  • June 2021 (3)
  • May 2021 (2)
  • January 2021 (2)
  • December 2020 (2)
  • October 2020 (2)
  • September 2020 (1)
  • August 2020 (3)
  • June 2020 (1)
  • May 2020 (2)
  • April 2020 (1)
  • February 2020 (2)
  • January 2020 (1)
  • December 2019 (1)
  • November 2019 (5)
  • September 2019 (4)
  • August 2019 (1)
  • June 2019 (1)
  • May 2019 (1)
  • April 2019 (1)
  • March 2019 (3)
  • February 2019 (1)
  • January 2019 (3)
  • December 2018 (1)
  • September 2018 (2)
  • July 2018 (1)
  • June 2018 (2)
  • May 2018 (1)
  • April 2018 (5)
  • March 2018 (6)
  • February 2018 (4)
  • January 2018 (1)
  • December 2017 (10)
  • November 2017 (3)
  • July 2017 (2)
  • June 2017 (5)
  • May 2017 (2)
  • April 2017 (8)
  • March 2017 (4)
  • February 2017 (3)
  • January 2017 (2)
  • December 2016 (2)
  • November 2016 (4)
  • October 2016 (2)
  • September 2016 (1)
  • August 2016 (4)
  • July 2016 (1)
  • June 2016 (3)
  • May 2016 (3)
  • April 2016 (4)
  • March 2016 (5)
  • February 2016 (2)
  • January 2016 (2)
  • December 2015 (3)
  • November 2015 (5)
  • October 2015 (5)
  • September 2015 (4)
  • August 2015 (6)
  • July 2015 (8)
  • June 2015 (6)
  • May 2015 (14)
  • April 2015 (14)
  • March 2015 (13)
  • February 2015 (12)
  • January 2015 (15)
  • December 2014 (10)
  • November 2014 (5)
  • October 2014 (6)
  • September 2014 (7)
  • August 2014 (12)
  • July 2014 (11)
  • June 2014 (12)
  • May 2014 (16)
  • April 2014 (13)
  • March 2014 (13)
  • February 2014 (9)
  • January 2014 (20)
  • December 2013 (9)
  • November 2013 (18)
  • October 2013 (15)
  • September 2013 (11)
  • August 2013 (11)
  • July 2013 (27)
  • June 2013 (18)
  • May 2013 (16)

Best Of

  • 8 TED Talks That Will Inspire You To Become A Minimalist
  • Contact
  • 5 Tricks To Save Money At Starbucks (Updated)

Recent Posts

  • Débuter en photographie sans se ruiner
  • How to Eat Healthy on a Budget
  • How To Live Stream Your Art

Follow

  • Facebook
  • Google+
  • RSS
  • Twitter

Copyright © 2025 · Modern Studio Pro Theme on Genesis Framework · WordPress · Log in