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Hello and welcome to DrFrugal.com. If you've ever had the unfortunate experience of trying to find information online that has anything to do with money, you know most sites are worthless because they're trying to pawn something. Not here--there's nothing to buy. I've tried my best to only include pragmatic, realistic informtion to help you lead a simpler life by taking care of your personal finances.


Recent Entries/Articles


Saving Money on Housing Expenses

The economy has gotten so bad lately that everyone is trying to save money on housing. They are trying to stretch their funds as much as possible so that they can still have a high life quality despite all the challenges. The following are some ways that a home owner or apartment dweller can save on housing expenses:

Roomies and Sublets

Roommates and sublets are the first things that a person will want to consider when he or she is trying to think of a way to save money on housing costs. A good, reliable roommate can assist with the rent and utility bills. Such a person could act as a backup individual for car rides and childcare in some cases, as well. The only downside to roommates is that they can be unpredictable. The homeowner will want to conduct a thorough background check and perhaps ask for security just in case he or she feels the urge to move at the last minute.

Finding All-Inclusive Situations

Another way that some people are trying to cut down housing expenses is by finding living situations that include rent and various utilities such as cable and Internet. Hotel and motel rooms are becoming popular for people who cannot afford security deposits or monthly lump sums. The only problem with all-inclusive situations is that they are sometimes highly overpriced. Residents then get stuck in the cycle of paying almost all of their paychecks for rent. The positive side is that they can enjoy a clean bed, a television with cable services, Wi-Fi, bathtub, telephone and the like.

Shave the Bills

A homeowner can try some alternative methods if the previous methods do not seem appealing to him or her. One way that a person can still save money is by shaving his or her household bills. The consumer can scan all the bills and cut each item slightly. For example, the person can remove one premium channel from the cable bill and one extra feature from the phone bill. The consumer could change the Internet service to a service that has a slower speed and a lower bill. The consumer can think of many small areas to cut. Little savings can add up to huge savings after a while.

The current times are very trying as people are fighting every way they know how to keep everything that they have. A person can still make it in the world with faith, a positive attitude and a crash course in frugality.
.... Keep Reading

How to Save Money on Dental Work

Almost every adult needs dental work at some time or another. Dental work consists of a range of services from simple cleaning to root canals, braces and the like. Without a dental insurance plan, a patient has to pay a fair penny for various dental works. A person can obtain a discount using a few smart methods, however. The following are some tips for saving on dental work:

Discount Dental Plans

A discount dental plan is a special plan that allows a person to obtain discounts from hundreds of thousands of providers. The patient just has to pay a monthly or yearly fee to obtain those discounts. Several companies offer discount dental plans, and they can provide discounts of up to 70 percent off of various dental procedures. For example, a person may receive a 50 percent discount on a root canal with a discount dental plan.

Coupons and Specials

Some dentist's offices have coupons and specials that they provide to their newest patients. An example of such a coupon is a $39 dental exam for a first-time patient or a $59 dental cleaning. Prospective dental patients can walk into various dental offices or they can search online for coupons and discount codes.

Visit a Value Website

A value website resembles a special online club. The 1Dental.com website is an example of such a site. A value website is a website that provides updated information on the latest dental discounts and deals. Such a site would provide links to dentists in the area that provide large discounts, as well. Additionally, the site would display a comparison tool that a visitor can use to compare different dental discount plans.

Visit a Clinic or Non-Profit Organization

Dental clinics and non-profit organizations can provide quick free or inexpensive dental care for people who qualify for the services. The prospective patient may have to bring proof of income or proof of participation in a government assistance program.

Pay the Bill Upfront

Customers who pay their bills upfront may be privy to discounts that are between 5 percent and 10 percent. The interested party will want to contact the dental office and ask about upfront payment discounts to be sure.

Dental discounts can enable a person to obtain crucial dental work that will keep him or her healthy. The previously mentioned tips are just the start as more dental discounts are available through different avenues.
.... Keep Reading

Tips for Saving Money on Fuel

Fuel expenses are some of the heftiest expenses that affect a household. Family members always have to open their wallets when it comes time to travel back and forth to work or to run errands. With fuel prices constantly on the rise, consumers have to find creative ways to save money on each gallon. The following are some money-saving tips for one's fuel expenses:

Apply for a Gas Credit Card

A gas credit card is a credit card that focuses on fuel expenses. Such a card offers cash back for every visit that a cardholder makes to a specific gas station. For example, the American Express Blue Preferred Card offers the cardholders up to 3 percent cash back for their trips to Mobil, Shell and BP gas stations. Cardholders can earn up to $6,000 in cash back for such purchases.

Use a Comparison Tool

Many consumers make the mistake of visiting the first gas station they see when they need to fill their tanks. The difference between two gas stations can be a whopping $.10 or more per gallon. Cents can add up to dollars, and dollars can add up to hundreds in the course of a month. A gas comparison tool such as the one on gasbuddy.com can help a person to zone in on frugal gas stations. To use the tool, the person will need to type in the zip code of where he or she lives. The tool will return a smorgasbord of results that show nearby gas stations and their per gallon prices. The consumer can then choose a home gas station that offers a low per gallon price.

Use Alternative Traveling Methods

Sometimes the best way to save money on fuel costs is to use alternative traveling methods. Public transportation such as bus and train travel only costs a consumer a few dollars. Another way that a person can save money is to use a bicycle or take a walk for short-distance trips. Alternatively, the consumer can carpool with people who live nearby. Carpoolers only have to contribute a small amount of money when the group is large.

A consumer can save money on gas using a number of tips and tricks. One final tip that the person can remember is to try to purchase a fuel-efficient vehicle. Many inexpensive and fuel-efficient vehicles are on the market. Two examples are the Chevy Sonic and the Ford Focus.
.... Keep Reading

Tips on How to Stay Within the Monthly Grocery Budget

Modern consumers try to stick to a strict budget as much as possible. They cut every bill they can think of, but the food budget must remain the same. A family must always strive to avoid malnourishment while staying within the confines of the set budget. The following are some tips that one can use to eat comfortably while staying within the monthly budget:

Shop in Bulk

Food is less expensive for a consumer who shops in bulk. Therefore a frugal consumer will want to sign up with wholesale clubs that offer essential items in bulk amounts. Wholesale club membership does require a small fee, but the fee is usually worth the contribution.

Use Coupons and Discount Codes

Coupons and discount codes provide consumers with endless access to cost cutting. A quick Internet search can return discount codes for a shopper's favorite foods. A consumer can also look toward the weekly circular for coupons that he or she can cut and take into the grocery store. Printable coupons are available online, as well.

Take Advantage of Free Meals and Free Foods

An extremely frugal family can take advantage of free food and free meals. Churches often provide free meals to families that are trying to make ends meet. They often have food pantries, as well. A family can contact a local congregation and ask about their pantries and their meals. Most churches serve their free meals once per week, and the consumer can offer a small donation to show appreciation for the church's kindness.

Many restaurants have free meals for children that are a certain age. The parent will have to make a purchase to take advantage of the free meal, but the offer can still cut the overall cost for the family's dining.

Experiment with Smoothies and Shakes

Another good way to stretch the monthly grocery funds is to experiment with smoothies and shakes. A consumer can make a delicious smoothie with very few ingredients. A pound of bananas can go a long way, for example.

Use Credit Card Features and Grocery Cards

Grocery store membership cards offer customers the opportunity to save money. A consumer can obtain a card by requesting one at the front desk of a grocery store that he or she frequents. Taking a few minutes to complete an application can save the consumer hundreds of dollars a month.

A frugal customer can start with the previously mentioned suggestions and then build on them to make the monthly budget work.
.... Keep Reading

Making a Quick Buck on Winter Clothing and Clutter

Dresser drawers and closets tend to become full over the years as the seasons change. Families end up having overflowing storage areas if they do not frequently examine their inventory and search for creative ways to eliminate extra items. Winter clothing is one item that tends to be bulky and take up closet space and drawer space.

Various household items can take a large amount of space, as well. A homeowner can earn money by selling extra items. The following are some places that the person can go to do such:

The Local Newspaper

A person can contact the local newspaper to sell household items such as appliances, gaming systems, electronics and the like. Winter clothing may be difficult to sell using the newspaper because people may want to see a visual image of it first.

The eBay Site

The eBay website is an auction site that allows consumers to offer their goods to the world for sale. Billions of people use eBay to sell their extras. Their registration requirements are not demanding, and the listing fees are inexpensive. A person can conduct a one-day auction, a three-day auction or a seven-day auction. Alternatively, sellers have the option to list their items in non-auction sales for 30 days.

Craigslist

Craigslist is a free online classified ad website that allows people to list their items and offer them to people in their local areas. Interested persons can contact the sellers by telephone or email and negotiate the price. Then, the two parties can meet at a public place to finalize the sale. Many people enjoy Craigslist because they can obtain cash the same day.

Yard Sales

Yard sales are great for families that want to rid themselves of a multitude of items in the household. Frugal consumers area always driving around in search of a good yard sale at which they can find deals. A family can bring in several hundred dollars if it has many pieces of clothing and household items to sell.

Flea Markets

Finally, flea markets are a good place for people who have a healthy amount of items to sell. Flea markets operate by renting tables to vendors for a certain number of hours. Vendors can then offer their goods to people who visit the flea market for inexpensive items.

One should never throw away unwanted winter clothing or appliances because someone will always need such items. A family can use any of the aforementioned methods quickly to gather funds for household bills, savings, vacations and more.
.... Keep Reading

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