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    How to Live Within Your Means Without Feeling Limited

    1. Tonya@Budget and the Beach

      August 22nd, 2016 at 1:22 pm

      I think those little changes, done over time, are the things that have the biggest impact. I remember when I cut cable and this one expensive gym membership I had at the time that my life would be over. But now looking back I totally worked around it. And now I can afford all that but there is no way I’m going back. Don’t miss it!

    2. Stefanie

      August 22nd, 2016 at 1:24 pm

      It’s kind of incredible how quickly that desire for something just floats away after awhile, when at first, it seemed so hard to let it go.

    3. Kate @ Cashville Skyline

      August 22nd, 2016 at 2:47 pm

      I like the parallel you’ve drawn between dieting and keeping spending in check. And you’re right. There isn’t an easy way to make up for major financial mishaps. Moderation is definitely key. I try to practice gratitude for the things I have all the time. It definitely helps when I’m feeling bummed about splurging on an expensive brunch with friends.

    4. Stefanie

      August 22nd, 2016 at 3:06 pm

      Gotta admit – I LOVE the splurges 🙂

    5. Rachel @ The Latte Budget

      August 23rd, 2016 at 1:22 pm

      I definitely agree on the importance of practicing gratitude! It’s so easy to compare myself and my own finances to others, but ultimately, we are all well off with food to eat and a roof over our head. Gratitude has been a huge focus of mine lately and it really pays off and let’s me focus on me. Great post!

    6. Stefanie

      August 29th, 2016 at 8:47 pm

      Yeah, it’s pretty wild to realize how much we already have when we take the time to recognize it. Such a great practice!

    7. Arlinda Rollins

      August 26th, 2016 at 6:59 pm

      Tip 4 – spread the splurges – has really helped me a lot. I used to take my daughter and four of my grandkids out to lunch every two weeks. Even with pizza or fast food place, that adds up. I moved it to every three weeks, and I can feel my budget loosen up! As the kids get older, I may even back it down to once a month…

    8. Stefanie

      August 29th, 2016 at 8:48 pm

      I love it too. Not as harsh as deprivation, but still effective!

    9. DC @ Young Adult Money

      September 13th, 2016 at 2:49 am

      Awesome tips Stefanie! I love your last one in particular haha. Sometimes it can be easy to cut your monthly expenses, but most people reach a point where they can’t easily cut more out of their budget (without being miserable). Then it’s time to increase your income!

    10. DJ @Money Goody

      September 14th, 2016 at 3:00 am

      #2 has always been big for me. I love haggling prices (when appropriate) and seeing how much of a discount I can get. I think the key is to be polite. I’ve seen people get pretty rude and demand discounts before. I usually go with, “so is there anything you can do on the price?” Doesn’t work all the time, but when it does it’s a nice treat!

    11. Keith Shin Schindler

      September 15th, 2016 at 5:49 pm

      Great post!

      I’m all about making more, as many times you can only cut out so much. Shame more folks don’t pursue making more.

      Really dig your Budget from Zero concept. Many folks, including me, find budgets to be tedious, boring, and a pain. Budget from Zero allows one to build in the absolutes and then add in the wants.

      If the absolutes use everything up, and there’s nothing left for the wants, then it’s time to make more money! Those two go together naturally.

      I’ll be checking out more of your stuff, for shore!

    12. Andy Hill

      November 2nd, 2016 at 9:24 pm

      Great advice Stefanie! My wife and I cut the cord on cable last year and don’t miss it one bit. We got an HD antennae and still get all of the major channels. Netflix and Amazon are producing some incredible content lately as well.

      Thanks for the 7 tips! Here’s to saving and living more!

    13. Stefanie

      November 3rd, 2016 at 3:32 pm

      Same here! We do our Netflix and HBO go subscription paired with the antennae. It’s great!

    14. Saving Money: Is A 10% Savings Rate Really Enough

      March 4th, 2018 at 11:07 am

      […] are 10 strategies that can help curb your overspending, but more importantly, consider changing the way you think […]

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