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How to Stick to Being Frugal (Even When Nobody Else Is)

If you’re trying to achieve financial freedom, you’re probably working on embracing a frugal mindset. Whether you’re following a debt management plan or simply practicing frugality as a lifestyle, you may encounter challenges along the journey. But ACCC has some tips to help you remain frugal.

One common misconception about frugality is that it means you’re being “cheap.” While being money-conscious is commendable, it can be hard to stick to it when you’re seeing your friends and family spend more extravagantly. Remember that there’s no one-size-fits-all approach to achieving financial freedom. How you choose to spend your time and money is your own business. However, if you need some support to stay frugal, here are some helpful tips.

1. Keep your end goal in mind.

It may require adjusting your spending or passing up certain plans to stay within your budget. There might be things you can’t justify spending money on at the moment. That’s perfectly fine. Whenever doubts arise, remind yourself of your ultimate objective, whether it’s paying off debt or another goal. Consider placing reminders around your home to stay focused.

2. Find easier ways to save.

Instead of completely cutting out categories like entertainment, adjust your expectations. If you used to enjoy dinner and a movie, you don’t have to give up going out entirely to save money. Rather, you could go for discounted nights like bargain Tuesdays. Embrace the experience and save a few bucks. Plus, the restaurant and theater will probably be less crowded than on weekends.

3. Be adaptable.

It’s true that planning is important to stay frugal. But sometimes life happens, and you might overspend by a few dollars. Don’t beat yourself up over it! Allowing a little flexibility in your budget can increase the likelihood of long-term adherence. It reduces the chances of feeling discouraged or frustrated to the point of giving up entirely.

4. Maintain balance.

Yes, staying frugal is important, especially when tackling debt. However, don’t let frugality consume your life completely. While it’s crucial to plan and stick to your budget, try not to make it the sole topic of conversation with family and friends.

Regardless of your current financial situation, embracing a frugal lifestyle is an excellent habit to cultivate. Stay focused and committed to your goals, and remember that your journey is unique to you.

If you’re struggling to pay off debt, ACCC can help. Schedule a free credit counseling session with us today! 


Rae Yen is a marketing coordinator at ACCC. She wants to help others optimize their financial resources and plan accordingly.

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