29 Days Of Frugal Living: Day 26 – Goal Setting & Planning

When you start trying to live more frugally, one of the biggest obstacles you face is being consistent. You can combat this challenge by setting frugal living goals and developing a plan to accomplish them.
Nobody’s goals will be exactly the same but here are some scenarios to help you as you plan:
Eliminate debt.
Perhaps you’d like to get rid of your debt.  First you’ll need to set up a budget and stop accumulating debt. Then you need to figure out where you will come up with the extra money to pay down the debt. Will you get rid of your cable and put that money toward debt? Will you get an extra job to pay down the debt? Will you sell something to come up with extra cash?
After that, you’ll need to set a time frame in which you’d like to accomplish the goal to help keep you focused on your plan.
Increase your savings. 
Maybe you want to increase the amount of money you’re saving. Again, you need to look at your budget and see where you can cut back or figure out a way to bring in extra money to put in savings. However you do it, you need to make sure the money actually makes it into your savings account. If you need to, have the money automatically transferred into your savings each month.
Reduce your grocery bill.
Say you’re a family of four currently spending $700 a month on groceries and you want to reduce that amount to $400 a month. Cutting $300 out seems difficult but it’s totally doable. You just need develop a plan for reaching that goal.
You may need to start clipping coupons and matching them with sales. Maybe you need to eliminate, cut back or find substitutes for certain expensive items that you you currently buy. You may not be able to cut back that much the first month but you can cut back some and work at reducing it more over time.
Reuse & repurpose more often.
Your goal may be to reuse and repurpose items more often. Start by thinking about what items you could reuse and how you might reuse them. Then figure out how you want to store those items until you need them. For example, I put items I can use for gift wrap in my gift wrap organizer. Clean, used jars go in the pantry to be reused. Old towels that can be used as rags are cut into usable sizes and put in the laundry room for when they’re needed.

As you come up with a goal, think it through and develop a plan to help you reach it. This will help you become more consistent as you learn to live frugally and make the most of your resources. 

Thanks for joining me for 29 Days of Frugal Living. Stop by tomorrow for another idea as we learn to make the most of what we’ve been given. 
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Janet is a mom to two daughters and is married to her best friend. Her belief that we are blessed so that we may bless others fuels her writing at frugalandfocused.com where she shares her thoughts on faith, family, and frugal living. She strives to make the most of what she's given in life and hopes to inspire others to do the same.