Here are some of the main challenges to frugal living that we’ve faced as well as some tips on how we’ve overcome them.
In the big picture, frugal living is the easy option.
It paints a reality of freedom, contentment and stress-free finances.
But day to day, it can feel that no matter how hard you rub those pennies together, you just can’t ignite that frugal spark.
Challenges to living frugally come from many directions. These challenges make it hard to stick to a budget and stay in financial control.
Here are some of the main challenges to living frugally and how to overcome them.
The Temptation to Spend
“Consumerism: Spending money we don’t have, on things we don’t need, to impress people we don’t like.” Richard Deniss, Curing Affluenza
It can be hard to resist the temptation to impulse-buy when we live in a world saturated with marketing messages exhorting us to buy and Instagram images that make us feel our throw pillows aren’t on trend.
Because nobody wants to be judged by their throw pillows.
There are many tactics that we can use to resist that temptation: reducing media consumption is a big one. Being here in the present and avoiding constant marketing messages will significantly reduce the temptation to buy.
Avoiding the shops, especially shopping as a hobby is another powerful tactic. When you need to go shopping, go with a list and cash and leave the credit card at home. That way, if you do feel the temptation to buy, you can’t.
My favourite tactic is to practice gratitude for the things I have. Marketing is about making us feel bad so we’ll spend money to fill that emotional hole. Gratitude fills that hole without having to part with money. When we feel good about ourselves, and live a life of purpose, we don’t need to buy stuff to make ourselves feel better.
Keeping up with the Jones’
Even when there are no immediate opportunities to buy, we can be tempted by what other people have, or more correctly, the lifestyle other people have.
What’s worse is when we look at ourselves through (what we think are) other people’s eyes. We perceive judgement, even when it isn’t there, and we spend in order to make a certain impression on people.
Here’s a surprising fact: it’s normal and healthy to want to “keep up with the Jones'”, to want to fit in with the crowd. Humans are herd animals and fitting in is a primal protective instinct. Those who don’t fit in with the herd are more vulnerable to attack from predators. If you’re part of the group, then you have the support and protective power of the group.
So how does this affect our budget?
The key is to pick your group. Choose the tribe that aligns best with your values. Keep up and fit in with people who are worth keeping up with. Be part of the group that likes to volunteer or garden or recycle or have movie nights rather than the group who aspire to the latest smartphones and the most on-trend kitchen tiles.
Choose the tribe who inspire you to be the best person you can.
If you aren’t tempted to keep up, you may be spending money catching up.
Coffee out. Drinks. Something special to wear while we’re out having drinks. Movies. Dinner…
Socialising is essential for good health! Research is showing that loneliness is fast becoming our most deadly condition.
So I’m not suggesting you should ditch your friends!
Kids aren’t expensive. You don’t need a lot of money to raise kids.
However, modern life is expensive, and raising kids in the modern world, with all the necessary mod-cons (like compulsory laptops for school) IS expensive!
Our kids are still young, and we know there are some big expenses coming up as they move into high school. So we’re saving already. As far as frugal parenting goes, we’ve been guided by the book Simplicity Parenting. This book argues that kids thrive when they have less stuff, fewer activities, less media and technology while having more free time, more outdoor play, and more time with parents.
Hand me downs and second-hand stuff also keeps costs low. Kids grow sooo quickly. Several families benefiting from goods and clothing is a great way to make the most of resources.
Education is super important to us but we can’t afford expensive schooling (and I’m not convinced it’s any better anyway). So we get books from the library. And watch documentaries as a family. And do science experiments in the holidays. And art projects on the weekend. And read together. A LOT. We INVEST TIME in our kids rather than money. And we invest time in our school by volunteering.
As far as money in a marriage or partnership, I’ve written about How to eliminate money arguments here.
Fatigue is my number one challenge to frugal living, particular when it comes to cooking dinner at the end of a long day. We live three doors up from Dominoes Pizza. We can have a pizza on the table in under 10 minutes. No driving. No washing dishes.
But convenience costs money.
So how do you live frugally when you’re dead tired and would rather crawl into bed with pizza and Netflix?
One solution is to forget about living frugally for a while and focus on foundational healthy habits first. Are you getting enough sleep? Have you been to your doctor for a check-up recently? Are you eating well and drinking enough water? Are you getting enough exercise? Get these right and then focus on developing frugal habits.
Lack of Organisation
Organisation is the panacea to spending money on conveniences.
When I am organised, when I’m being productive and efficient, a whole lot more gets done than when I’m not organised.
Systems help save time and sanity. They help you plan and prepare ahead of time so that you are organised when you don’t have time. Productivity hacks also help you get through the work that needs doing.
But the most powerful organisational habit is to simplify. To let go of the many things that don’t really need to be done so that you can focus on the most important things.
These are the main challenges to living frugally that I’ve faced and some of the solutions that have helped us overcome those challenges. I would like to note, that frugal challenges are different from “not having enough money” challenges. They are a whole separate issue.
What frugal living challenges have you faced?
Melissa Goodwin is a writer and the creator of Frugal and Thriving who has a passion for living frugally and encouraging people to thrive on any budget. The blog is nine years old and is almost like her eldest baby. Prior to being a blogger and mum (but not a mummy blogger), she worked as an accountant doing other people’s budgets, books and tax.