If you are living on a tight budget, you have to live frugally.  To live frugally, you have to develop patterns of thinking that makes you a money saver.  You have to change the way you feel about spending and saving.  You have to condition your... Read more

There are so many uses of water in our households, and there are as many ways to save money on its use.  We usually take using water for granted, until we see the water bill.  Specific tips on how to save water can save you small amounts of mone... Read more

Food is usually the biggest part of your household budget. Therefore spending less on food is the biggest change you can make if you are living on a tight budget. Below is a comprehensive list of ways you can consume and buy food on a budget: Ge... Read more

We take electricity for granted, because when we turn on a switch we expect that it’s always there to serve our energy needs. Sometimes we don’t even realize that we are consuming electricity, and we leave our electronics plugged in... Read more

It is tempting to skip buying insurance if you’re living on a budget.  After all, why spend money for something that you cannot hold, and does not fulfill the basic needs of food, clothing or shelter. What you get when you buy insurance is prote... Read more