Medical cost

Medical cost has grown more than inflation for the past 20 years - and it's not getting better!

We have to do all we can to save on medical cost - even if it appears to be a small savings.

Here's a few ideas:

• Ask your doctor for generic prescriptions.
• Give up a bad habit such as smoking or alcohol. A pack-a-day smoker will save over $1000 in a year!
• Have regular checkups.
• Use clinics or the local health department when possible.
• Ask your doctor for sample prescriptions. Most doctors have samples, especially for new products.

Remember - frugal living is not cheap living - it is smart living!

Budget Guidelines

How much of your income should be budgeted for your housing expenses?

How about for paying on debts?

Here's a list of "recommended budget guidelines" for percentages of your gross monthly income:

• Housing 35%. This includes mortgage or rent, taxes, repairs, improvements, insurance and utilities.


• Automobile or public transportation 20%. Vehicle loan payment, gas, oil, repairs, insurance and parking.


• Debt 15%. Credit card payments and personal loans.


• All other expenses 20%. This includes food, insurance, medical, clothing, personal items and childcare.


• Savings 10%. Stocks, retirement accounts, real estate and savings accounts.

Save On Holiday’s and Other Occasions

Living a frugal life does not mean we cannot have fun and celebrate in style!

Just use your imagination, shop wisely, plan, and use what you probably already have around the house.

1. Buy holiday decorations after the holiday at clearance sales.
2. The dollar stores have great deals on wrapping paper and gift bags.
3. Make gifts instead of buying them.
4. Use your imagination when wrapping gifts. There are lots of things around your home than can be used for gift-wrap. Some ideas are color comics, decorated brown paper bags, and fabric remnants.

Have a blessed day!