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Staying Out of Debt

Category Budget
The best way to not be in debt is to stay out of it in the first place but that is easier said than done. Use these helpful tips and tricks stay out of debt. This is a guide about staying out of debt.


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By 14 found this helpful
December 9, 2010

Well now that I am debt free, I am still a frugalite as I am saving for a one year emergency fund. Here are a couple of the ways which I am doing it. I hope that you will be able to apply a couple to save a little money. My Frugal Life

To begin with let's begin with the limitations, of which a major one is that I live in an apartment, so I can't do any structural changes such as adding insulation to decrease my heating bill etc. But other than that the sky is the limit. So here we go:

I hope that these were of benefit to you and please keep sending in these Frugal Life stories. I love reading what others are doing.

By Lovejoy from Dallas, TX

Do you have a frugal story to share with the ThriftyFun community? Submit your essay here:

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December 23, 20100 found this helpful

Very nice article! We do a lot of your ideas, and you've sparked me to get going on some projects I've been procrastinating on. I need to make more blankets! We hang blankets over the rock walls in our house, in addition to the windows. We shut off the heat too, and to save from burst pipes we have lots of shut off valves.

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By 7 found this helpful
April 25, 2010

We started living a frugal life because we have 7 children, and I wanted to stay home with them. We did not want to be saddled with debt. I planted a garden, raised chickens, and beef. My Frugal LifeI shop a lot of bent and dent stores and Amish bulk food stores. I really try not to overbuy. I use coupons and shop sales only. I have had family members make fun of me.


Now that I have 2 grandchildren who live 2 hours away, it is nice to have the money to be able to go see them. We kept our thermostat set at 62 until we could afford a wood furnace. We don't take money from the government.

Our first 3 children paid their own way to college with no government aid and no debt. One is a nurse, one a lineman, and one a mechanic. Our next son is planning on starting Tech school in the fall. They have taken many jobs and worked very hard. I thank the Lord for what we have.

By Jilly

Do you have a frugal story to share with the ThriftyFun community? Submit your essay here:

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May 24, 20100 found this helpful

A parent who doesn't expect much of their children get very little too. We've seen it too many times not to believe that when children know the value of money and respect it, they are far better equipped to meet the world than those who've had everything handed to them. That could be a lot of what's wrong with our country right now.

I thank God that my parents taught me to be responsible, and I passed those lessons on to my own children. I watched then as they sometimes had to fight with spouses in order to teach their children those same lessons.

We just watched our first grand-child graduate from a university yesterday, and she worked all four years and got her first year towards her masters at the same time she took her senior year of the BS degree. I don't know how she did it all, but we cheered her on every step of the way. She graduated 5th in a class of over 900.

We are so very proud of her. I hope she reads this. :-)

I love to hear about other young people who are happily taking their place in the world without being a burden on their future or their parents now or later.

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July 11, 20115 found this helpful

For all income that comes in, no matter how small, pay off the debt with 50%, and live off the rest. This works wonderfully and is wise. Our debt is going down, and one day, God willing, it will be paid off.

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Kelly Ann Butterbaugh1 found this helpful
April 6, 2011

The Basics for Starting Out on Your Own

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As colleges prepare for graduation, thousands of people prepare to enter the workforce. There's a promise of paychecks and prosperity, but there's also the threat of dangerous levels of debt.


June 23, 20061 found this helpful

My way of not going too far into debt has always been the same: I don't spend more money than I have. I do use credit cards but never charge more than I have in my savings account...

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Kelly Ann Butterbaugh0 found this helpful
September 26, 2006

Woman frustrated with bills

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The economy is poor, but that's not the only reason that people are in debt. Other factors play a huge role in the circulating debt that swarms above the homes of America, and one of them is the "I need it" attitude.


By 0 found this helpful
November 15, 2004

Self-Help Debt Management Program Live Debt Free! You deserve financial security and independent wealth. Anyone can do it. You Deserve IT! Start saving now. Includes a plan, ideas and resources for debt reduction, household budgeting, frugal living. Reduce expenses, save money, balance your budget.


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