Thursday, March 29, 2018

Frugal Vs Minimalist

                                                  Hello Family, How are you today? 

                           Frugal vs Minimalist
What's the difference between being frugal and being a minimalist. Some would say...

Frugality is focused on eliminating expenses that are unnecessary.
  is focused on eliminating complexity, especially the complexity that comes from possessing many "things".

Minimalist =  structuring your life in such a way that you can get along with the fewest amenities.

Frugal = arranging your spending so as to pay the lowest price to attain the things you need or wish to acquire.

For example, it is frugal to find the lowest priced deal on cellphone service. It is minimalist to live without a cellphone.

Of course, it is counterproductive to be one of those without the other, so most people leaning in that direction strive for a blend of the two enterprises.

                    What do you think is there a big difference between the two?

                               Have A Great Cheap Cheetah Day & Save That Money!! 


Tuesday, March 27, 2018


                                                     Hello Family, How Are You Today?

What Have You Returned That Says You're REALLY Frugal /Cheapskate

 I've been known to return things (for a refund) that don't perform as promised. I don't think my personal return policy has any limits. I once returned some tiles for the floor, a box of screws and a hammer that I had no need for . I had purchased this stuff to do some work on my home and when I finished and did not need these items I returned them a year later to the store. They took the stuff back and gave me a credit.  Here are some things others have returned

 The wrong kind of meatloaf I bought at the store. I feel kind of bad, but I wanted a different kind. Didn't realize they'd have to get rid of it

Bought a new DVD burner and a SATA cable (about $2-3), found out a SATA cable was already included in the DVD burner box, so I returned the SATA cable.

 I bought some disposable aluminum foil type of containers for the turkey for Thanksgiving. I didn't use all of them (I originally bought 3) so I returned 1 of them at the same time I went to the store for my usual weekly grocery run. The container was $3.99 and I had no use for it at home and it would sit there unused for a really long time and I didn't feel just tossing it in the trash was good either.

 I Also remembered that a purchased a cake waited two days and tried to eat it, it was stale so I returned it to the grocery store.

 You must realized that if you purchase something and it's not good or you can not use it and it just sits there or you are throwing it out. Then your wasting money.

                     So what have you returned that say's your Frugal or a cheapskate?  

                                   Have A Great Cheap Cheetah Day & Save That Money!

Sunday, March 25, 2018


                                                     Hello Family How Are You Today

Being Single and Frugal/Cheapskate
Does frugality interfere with social relationships for a single person? What happens when you ask a girl/guy out for a date, and then say you don't have a car, can he/she come and pick you up? Or do you take him/ her to an unlicensed restaurant, so she can't order drinks, or the 5 o'clock movie to get the early-bird discount.
Or do you just not have a social life, because taking a girl/guy out costs more than you saved with 6 months of coupon clipping. And clipping coupons is a bigger turn-on than any girl you know.
To me this is where you hope that you meet someone that is like minded and has the same value of a dollar as you do. But still know how to have fun even if they don't use coupons to do it.
There are still so many things you can do to impress a date and still keep it cheap/ frugal and sometimes free. You just have to be creative and it has to be fun. What do you think?

Have A Great Cheap Cheetah Day & Save That Money!!!

Thursday, March 22, 2018

What's The Difference??

                                   Hello My Cheap Cheetah  Family. How Are You Today?

The difference between cheap and frugal is whether it has negative impact on someone else.
Ordering chicken instead of lobster? Frugal. Ordering the lobster but not leaving tip? Cheap.
Buying a cheaper gift even though it's not what someone wants? Cheap. Making a gift that has significance? Frugal.
Finding a café that will let you meet there for free: frugal. Not ordering something: cheap.
Do you think this is true when it comes to being cheap versus being frugal. Hey as long as your saving money I don't care what you call yourself. 

                                           Have A Great Cheap Cheetah Day & Save That Money!

Tuesday, March 20, 2018

Money Quote

            Hello My FamilyHow Are You Today?
 Just wanted to share this great Money Quote I found and to tell you Happy Tuesday!
Have A Great Cheap Cheetah Day & Save That Money!

Sunday, March 18, 2018

My Dollar A Day Challenge Progress


 Hey Family Today I talking to you about My Dollar A Day Progress and my Stupid Tax.
                 Have A Great Cheap Cheetah Day & Save That Money

Saturday, March 17, 2018

What To Do with Your Saved Coins

Hello Family. How Are You Today?. These are just some suggestions and some of the things that I do with my saved coins. Have a Great Cheap Cheetah Day & Save That Money!

Thursday, March 15, 2018

How coming clean about financial struggle -- and counseling others -- be...

 Hello Family. Watching this video will having you thinking about your retirement and your money.
Good video. Have a Great Cheap Cheetah Day! & Save that Money!!

Saturday, March 10, 2018


                                                 Hey Family How Are you Today?

Sometimes we all need a little motivation to help us along the way. That's why I always pick up a book on cheapskate/frugal living so that I can stay motivated to keep it moving. I know some of these books are not everything that you would do when it comes to living your cheapskate/frugal lifestyle. Some of frugal living cheapskates books do go to the  extreme, but read them take what you can from them and keep it  moving.

I happen to love reading Jeff Yeager books like The Cheapskate Next door and How To Retire Cheapskate Way.  These books are  not only interesting, but they are funny and in some of the stories I can truly say " I do that to". So if you ever need a bit of motivation go to your nearest library and pick up a cheapskate/ frugal living book and get motivated!
                                                   Have A Great Cheap Cheetah Day! & Save That Money!

Wednesday, March 7, 2018


                                  Hello My Cheap Cheetah Family How Are You Today?

 Let's Talk
 Tax Refund

1. Eliminate your credit card debt.
Credit card debt doesn’t go away by itself, and if you’re waiting on a pile of cash to fall into your lap, your tax refund can be the answer to your prayers. Even if you don’t receive enough to eliminate your balances completely, your refund can knock your balances down and jump start your pay off efforts. Plus, the less you owe on your credit cards, the higher your FICO score.
If there isn’t enough cash to go around, pay down your credit cards with the highest interest rates first. For credit health, keep balances less than 30% of your credit limit.
2. Replenish your savings account.
Maybe a financial emergency during the year took a chunk of your personal savings. Then again, you may not have a savings account. Of all the smart things to do with your tax refund, saving should be at the top of your list. Some people don’t think about saving until they’re caught in the middle of a financial crisis. Everyone earns differently, and whereas one person can comfortable stash 10% of his pay each month, another person may not have the extra income. Save your tax refund and you’ll build an overnight cushion.
3. Start planning for a house.
With mortgage lenders requiring at least a 5% down payment, you might cancel your plans of buying a house. But don’t let this financial requirement stand in your way. Your tax refund can put you a step closer to ownership. How so?
Let’s say you purchase a $150,000 house. In this case, you’ll need approximately $7,500 for a down payment. With an average tax refund of $2,500, you can realistically achieve  your goal and purchase a home in three years – providing you save your money.
4. Boost your home’s value.
Home maintenance is a beast. If your house needs work, nothing gets the job done faster than free money from the federal government. Use your tax refund to remodel your kitchen, bathrooms, replace the floors or install energy-efficient windows. These upgrades not only improve the appearance and condition of your home, but raise your property value. And with energy-efficient upgrades, you might qualify for additional tax credits on next year’s tax return.
5. Plan you kid’s’ future.
College and cheap are never used in the same sentence. And if it weren’t for student loans, grants and other financial aid, many people wouldn’t attend a college or university. Make good use of your tax refund and start a college fund for your kids. Saving your refund over five or ten years can provide a sizable fund for school and reduce the need for student loans. Deposit this cash in a high-yield savings account and you’ll maximize your savings. These accounts have higher interest rates than your traditional savings account, letting you grow your money faster.
6. Think retirement.
You can never have too much in your retirement account, and if you haven’t planned for retirement, now’s the time to start. There are a couple of ways to approach this. Open an individual retirement account (IRA), or increase contributions to your employee-sponsored 401K. The maximum you can contribute to a traditional IRA for 2013 is $5,500 ($6,500 if you’re 50 and older).If you decide to increase contributions to your 401k, your tax refund can compensate for the difference in income.
7. Invest in your future.
If you’re over your job and ready for a change, using your tax refund to start a business can be the change you need. This money can cover the cost of supplies and advertisements. This is your opportunity to be your own boss and pursue your goals. Then again, perhaps you’re satisfied with being an employee, but you’re looking for ways to increase your salary. Your tax refund can be the edge you need. Take the money and sign up for college classes, seminars or workshops. As you take refresher courses and improve your skills, you’ll be more employable from a company’s standpoint. This can put you ahead of the competition when applying for jobs, and help you find employment faster as a job loss.

Have A Great Cheap Cheetah Day!

Monday, March 5, 2018

Crystal Vanner Living in a MiniVan


Hello Family, How Are You Today? Van Living Full-time could you do it? I have been looking at  various videos about people living in their van full-time. They travel and work on the road to make money. I also notice that  most of the people who live in their van or even larger campers are minimalist. If you think about it and if you look at some of the van conversions that people do . I  can see where living in a van and traveling is doable. But you have to have the right mindset for it and the right kind of van. I myself would try it for about a month or two but I know me I would new a steady place to live. I could live in a tiny house no problem.

There are many challenges that comes with traveling in a van but there are also many opportunities to see the world at your own pace. So the questions to you is can you travel , work and live in a van? Before you answer that. Think of all the money your saving by living in a van. From what I keep hearing living in a van the expenses runs about $600-800 depending on what services you need.
Also with the fun there is the stress. But hey living  anywhere you going have stress.
                                             Have A Great Cheap Cheetah Day

Thursday, March 1, 2018


Emergency Fund Versus Debt

                                     Hello My Cheap Cheetah Family How Are You Today?

 Emergency fund vs. Debt
I'd maintain a sufficient emergency fund for the portion of your expenses you cannot pay with plastic, which might be rent or might not but most other things you can, and then enough to make the minimum payments for six months assuming you started putting everything on the card and paying the minimum. Essentially plastic becomes your emergency fund if you need it. No reason to have a bunch of money sitting around doing nothing while paying 18% on debt that you already have if you can pay off the debt and use the plastic for your emergency fund. If you can pay off the debt in a reasonable time, I might not bother. If you can qualify for a 0% card and pay the 3%, I'd do that. Happy March 1th
Have A Great Cheap Cheetah Day & Save That Money!