Learning to be thrifty, to create a budget, and live by your budget is one of the most valuable money skills you can have. Many of us spend sleepless nights and suffer emotional stress from financial problems.

A budget can help us keep our lifestyle AND pay off debt while saving for the future. Sure sounds easy, but it does take some work.

First we need to know why we want to make spending and planning changes. If you have these goals, making changes won’t feel like you are doing without what you love. Remember, sometimes you don’t have to give up something, you just have to adjust it.

Peace of mind is what living frugally is all about!

Check out http://www.thrifty411.com for more on being thrifty and frugal.