Frugal living: How it makes me feel so ... so good.

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Special savings report

New frugal you
By Bankrate.com

Jump out of the rat race and start enjoying a less-stressed pace with these cost-cutting tips and strategies for stretching your income and saving more.

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Save on your finances ...
Create a 'spending plan'
	Forget 'budget' -- develop a 'spending plan' to get what you want.

Join a credit union
	Save on banking fees and costs by joining a credit union. Here's how.

Save on the regular bills ...
8 ways to consolidate debt
	Solutions for organizing debts and cutting costs.

What it means to live below your means
	Living below your means (LBYM) means having money for what's important to you and the freedom to do the things you want to do.

Should you put your house to work?
	Pros, cons and how-to's of refinancing and cash-out refinancing.

How to save even more ...
Savings tips for a simpler life
	Nine financial gems for putting back the sparkle in daily life.

Cheapskates & penny-pinchers
	Resources to help you save.

Cheap is chic
	Twenty-five ways to cut corners without living a reduced-price life. PLUS: Readers share 20 of their money-saving strategies.

Calculators ...
True cost of paying the minimum
	Check out how much interest you'll shell out over the life of the debt by using our calculator.

A budget worksheet
	A simple plan for tracking expenses.

Know thyself ...
Quiz: Are you a cheapskate?
	Some let money flow like water. Others pinch pennies until Honest Abe cries. Which are you?

Quiz: What's your spending style?
	Does cash burn a hole in your pocket, or are you so tight with money it hurts?

	-- Posted: Sept. 28, 2001

See Also

•	10 reasons for joining a credit union
•	How to save money when you are down and out
•	A psychologist analyzes a shrinking bank account

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