{"id":124826,"date":"2025-03-10T19:38:06","date_gmt":"2025-03-10T19:38:06","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/finance\/why-i-cherish-being-frugal\/"},"modified":"2025-03-10T19:38:06","modified_gmt":"2025-03-10T19:38:06","slug":"why-i-cherish-being-frugal","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=124826","title":{"rendered":"Why I Cherish Being Frugal"},"content":{"rendered":"


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Our family lives in plenty of luxury but people who really know our situation sees me as someone who\u2019s fairly frugal. \u201cWhy do you sacrifice to save when you can afford more?\u201d is a question my friends often ask me. It\u2019s a pretty pointed question, but what they really want to know is how they can motivate themselves to save more since putting money away seems like such a chore. Do you see saving money as a sacrifice too and want to know why I do it naturally?
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My Smartest Financial Decision<\/h3>\n

I count the lucky stars often, because one fortunate decision changed my financial life forever. You see, I was extremely close to pulling the trigger on a dream home right before the Great Recession, but I backed out at the last minute because something didn\u2019t seem right at the time.<\/p>\n

I was doing fairly well in a sales position back then and with a high salary, so it seemed fitting to look for a home when my wife and I were getting ready to tie the knot. We toured many homes, but there was one particular property we fell in love with. The location was great, the interior was amazing and even the numbers looked right. We went to a meeting to put in an offer, but a voice in my head just kept telling me not to move forward at the time. Thinking back, it was probably all the online commentary I\u2019ve read of the gigantic housing bubble brewing that led to us walking away that day and disappointing everyone. I felt pretty deflated for a while, but the house prices soon crashed, and the decision that day saved us a six figure sum.<\/p>\n

The savings is only the tip of the iceberg though. Not buying at the top of the market is life altering in and of itself, but not having that big mortgage was critical in my decision to seize an opportunity to quit the day job and take a substantial pay cut to start a business. My job was very stressful and just not something I loved to do, but I would never have had the guts to give up the high earnings if I had huge monthly payments to make.<\/p>\n

Fast forward close to ten years and I love my work running MoneyNing.com. I have a relatively flexible schedule, helping people become more astute with their money. The work is fulfilling and I\u2019m also making more than I ever have in that sales job.<\/p>\n

No one could have predicted how my life would have turned out just because I walked away from a decision to buy my dream home, but this is by far the smartest financial decision I\u2019ve made.<\/p>\n

Everyone Can Benefit from Saving More<\/h3>\n

Being frugal not only changed my life, but my family\u2019s as well. Instead of needing that second paycheck, my wife can stay home and spend more time with our kids. Instead of having a job that requires constant traveling, I too can work mostly from home and be with our children often.<\/p>\n

Being frugal is money in the bank, but in my case, the value goes far beyond dollar signs. The good news is that my situation is far from unique. A padded nest egg not only allows for more spending later but it can also provide peace of mind. At the end of the day, the best thing money can buy is freedom.<\/p>\n

On the other hand, getting free money is another great way to buy just a bit more freedom.<\/p>\n

It\u2019s been another few years since I wrote this post. Is life still good because I chose to be frugal? The answer is absolutely yes!<\/em><\/p>\n

I didn\u2019t tell you at the time but one of the other reasons why I had the guts to start a business was because my expenses were super low at the time. When I was in sales, I made six figures a year but lived on about $20,000. I never really had any plans on what saving that much was going to be used for but boy, did it come in handy when I was deciding whether it made sense to give entrepreneurship a go.<\/p>\n

And remember how I get to stay at home? The freedom to enjoy some personal time is what everyone around me is envious about, but the real beauty is being there whenever something of significance happens in my kids\u2019 lives so I can teach them how to grow up as responsible and pleasant individuals.<\/p>\n

Now that years have passed, I have a beautiful family, I get to help people improve their finances and I have plenty of money. I\u2019m rich in every way.<\/p>\n

Are you saving today for the future? Not buying something you want and banking that cash will always feel like a negative in the moment. When you\u2019ll need it though, the effort may be life changing.<\/p>\n

Tagged as: Bank<\/a>, Frugal Living<\/a>, Money Management<\/a><\/p>\n

Editor’s Note:<\/strong> Did you know about the service called $5 meal plans<\/a>? For $5 a month, they send you recipes of delicious, healthy, yet cheap food that costs just $5 a meal.<\/p>\n

Several of my friends signed up and they are able to eat at home more because the instructions are easy to follow, making everything convenient. The deal also comes with grocery shopping lists, which saves them so much time. Check it out yourself by clicking here<\/a> and you too may be able to save more and become healthier at the same time.<\/p>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"

Our family lives in plenty of luxury but people who really know our situation sees me as someone who\u2019s fairly frugal. \u201cWhy do you sacrifice to save when you can afford more?\u201d is a question my friends often ask me. 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