*This post may contain affiliate links. Please read the full disclosure here<\/a>.\u00a0<\/em><\/span><\/p>\n<\/div>\n <\/p>\n Let\u2019s be honest\u2014when you hear the phrase \u201clive below your means,\u201d<\/em> what comes to mind?<\/p>\n Cutting coupons. Saying no to everything fun. Never ordering takeaway again. Living on beans while everyone else is out enjoying life.<\/p>\n Yeah\u2026 no thanks.<\/p>\n But here\u2019s the thing: that version of \u201cfrugal living\u201d is outdated\u2014and honestly, kind of depressing.<\/p>\n Living below your means<\/strong> doesn\u2019t have to feel like punishment. It\u2019s not about squeezing all the joy out of your life. It\u2019s about being intentional with your money<\/strong> so your life actually feels better<\/em>, not smaller.<\/p>\n This reminds me of a bible verse in Philippians 4:12 where Paul says, \u201cI know how to be brought low, and I know how to abound. In any and every circumstance, I have learned the secret of facing\u00a0plenty and hunger, abundance and need.\u201d<\/em><\/p>\n It is about learning how to live either in abundance or in lack<\/strong>.\u00a0<\/p>\n Living with abundance teaches us to handle money wisely, while<\/em> times of scarcity help us value the reserves we\u2019ve built for when we truly need them. And if you are able to complete a survey or two a day, you can easily accumulate an extra $50 a month for a few minutes of your time.<\/p>\n Two good sites that pay cash for completing surveys are Sproutful<\/a> and Branded Surveys<\/a>.<\/p>\n Let us now take a look at some wide decisions we can make today, to save those extra dollars.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n You hop on social media. There is a sale that coming up and you are tempted.<\/p>\n You see something you like and \u201cit\u2019s on sale<\/strong>\u201c, and suddenly<\/strong> it\u2019s in your basket. No real thought, you just feel it\u2019s better to buy it on sale than when it\u2019s at the full price.<\/p>\n Pause<\/strong> and wait<\/strong>\u2026Most of the time, one of two things will happen:<\/p>\n And if you still<\/em> want it after a month? Cool\u2014now it\u2019s a conscious decision, not a reflex. This one habit alone can save you tons of money.<\/p>\n We\u2019re so used to buying things that we forget there are other options.\u00a0<\/p>\n If your kids want to buy a book, you can swap<\/strong> them with their friends books instead. Likewise, if you are looking to buy a new gardening tool and if it\u2019s for a one-time use<\/strong> project, see if you can borrow it from someone.<\/p>\n This will save you a good amount of money, considering how expensive some equipments costs.<\/p>\n Pick one week each month where you only spend cash. No cards<\/strong>. No tapping your phone. Just physical money.<\/p>\n Why it works? Because it hurts<\/em> (a little) to hand over cash. You feel it leaving.<\/p>\n Once it\u2019s gone, it\u2019s gone. No sneaky<\/strong> overspending.<\/p>\n It forces you to prioritise quickly: \u201cDo I really want this\u2026 or do I want to save that $10 for something else later in the week?\u201d<\/p>\n It\u2019s eye-opening in the best way.<\/p>\n This one feels dramatic\u2014but it\u2019s powerful. There was once a time when my expenses were so tight, that I decided to call my health insurance to cancel. But I was surprised to know<\/strong> that they were willing to offer me a three month suspension, after which I could decide whether or not I wanted to permenantly cancel. This temporary pause in payments, helped me save money as well as prevented the hassel of re-doing all the insurance paperwork again.<\/p>\n Take a look at all your subscriptions:<\/p>\n The good thing about this is that sometimes you will realise, you don\u2019t need them at all. This can give you clarity on actual expenses.<\/p>\n Did you know you could participate in online market research and get paid for your opinion? If you want to make an extra $50 a month<\/strong>, you might want to consider Kashkick \u2013 an app that pays you for completing surveys and short tasks.<\/p>\n This app is great because you earn real PayPal cash to your account. You can create your free account here<\/a>, registering either with your email or your PayPal account. Not a bad way to accumulate a few extra dollars using your phone.\u00a0<\/p>\n1. Impulse Spends<\/h2>\n
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2. Borrow or Swap<\/h2>\n
3. Go Cash-Only for a week<\/h2>\n
4. Cancel. Cancel. Cancel.<\/h2>\n
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5. Try a Side Hustle that is Easy and Flexible<\/h2>\n
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