Frugal Living 101: Dump The Jones’
For me, the best part of living a debt free lifestyle is the freedom from my old adversaries Pride, and Guilt. Pride was always trying to convince me that I deserved to have certain things because “By golly, everyone else had them,” Pride convinced me that I had to have a new car, better clothes, a bigger T.V., and more S.T.U.F.F. Then Guilt usually responded with “Why do you always give in to Pride? You know Pride’s a liar, but you’re in too deep now…you might as well give up. It’s hopeless for you.”
I buried Pride and Guilt few years ago, and I don’t miss them a bit because Pride and Guilt were terrible company. My new companions are Logic and Reason. They have given me a new spin, and a fresh perspective on my relationship with money, people, and S.T.U.F.F. Reason and Logic pat me on the back, and tell me “good job!” when I take my lunch, make a deposit in my savings, or walk instead of drive. Reason and Logic also tell me it’s OK to pamper myself sometimes, because when a person brown bags it for two weeks, a nice lunch out isn’t so uncalled for. Reason and Logic are real friends.
So, how did I put Pride and Guilt to rest? Instead of surrounding myself by people who found it necessary to drive a 45K car, to dine out frequently, and to spend, spend, spend I surrounded myself by those who share a common goal. When we tried to “keep up” with the Jones’ I often felt depressed, and sub par. Now, I seek out friends who love to garage sale, meal plan, go to matinees, clip coupons, and carpool. If you are a person who desires to be a compulsive saver don’t hang out with compulsive spenders because you will only drift away from your goals.
Now, before you think I’m a total stick in the mud. I like digging through junk shops and thrift stores. I love finding bargains, and doing these things is even more fun with a friend that gets where I am coming from (or, rather, going to.) I enjoy the challenge. I also enjoy sipping margaritas on Mexican beaches. Who doesn’t? I just want to pay cash for mine. That debt free Mexican vacation inches a little closer every time I give a home haircut to my kids, freeze a batch of lasagna, or turn the A/C up to 79.
Are you giving up some small things now to save for something big later? Tell me about it.
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Jennifer Lea writes for jlogged.com, and is co-owner of 










November 6th, 2008 at 7:47 am
Nice, love the post. We’re in a mixed position here. With having our Hughey house we are making decent money (for that house, not a mixed budget) but at the same time we’re using all our spare cash to fix up this house (with our budget) and money is slow coming. We’ve got three major projects left on this house and then we can start saving for other things. Sometimes it seems hopeless but over all I think we’re headed in the right direction.
I love campus diving after the students leave!
November 6th, 2008 at 10:39 am
I don’t know where our money goes. we save nothing, but i never shop unless the kids need clothes and that’s only one pair of walmart jeans at a time. I dont go anywhere else, not even target. We don’t go out to eat- ever!!, maybe a pizza once a paycheck. we dont vacation. Where does our money go?????????????? Seriously- i will write down our income and outgo for you, if you wont judge, but be honest with me…will you look at it- do u have a reliable private email? lkthan@hotmail.com lisa
November 6th, 2008 at 12:26 pm
Steff, you are working towards an end goal + with the downturn in the housing market renting was probably the smartest thing you guys could have done.
Lisa, I would love to do that for you. I’ll whip up a post about where our money goes,with a word on budgeting software. I’m quite transparent when it comes to our finances. We are far from perfect, and there are many areas we often go over budget in-having budgeting software shows you *exactly* where your money goes, which is often times surprising.
November 7th, 2008 at 8:38 am
We knew the house would rent in an instant given the history of that neighborhood but we did not want to be landlords. We wanted to be out of debt!
However, God knew that it was the best thing for us and provided the best renters. It’s weird being so far away from out of house debt but it’ll come like you said.
November 7th, 2008 at 1:58 pm
I could not agree more. I love having friends with common goals - debt-free, saving, etc.
Peer pressure is a real thing.
Choose your peers.