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<title>Modern Tightwad: Festival of Frugality #239: Commandments of Frugality</title>
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<h2 class="date-header"><span>Jul 20, 2010</span></h2>

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Festival of Frugality #239: Commandments of Frugality
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<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://web.archive.org/web/20101118121336/http://farm4.static.flickr.com/3609/3291353234_d03991a7f4_m.jpg"><img style="float:left; margin:0 10px 10px 0;cursor:pointer; cursor:hand;width: 240px; height: 160px;" src="https://web.archive.org/web/20101118121336im_/http://farm4.static.flickr.com/3609/3291353234_d03991a7f4_m.jpg" border="0" alt=""/></a>It's easy to become frugal if you follow the steps and keep thy commandments. Don't forget: the tightwads will smite you if you fall off the path.<div><br/></div><div><div><b>Commandment #1: Cherish Thy Budget.</b></div><br/>Moneyed Blogger presents <a href="https://web.archive.org/web/20101118121336/http://www.moneyedup.com/2010/07/how-to-make-a-budget-and-stick-to-it/">How To Make A Budget And Stick To It</a> posted at <a href="https://web.archive.org/web/20101118121336/http://www.moneyedup.com/">MoneyedUP</a>. You can't save money if you don't know where you're spending it.<br/><br/><b>Commandment #2: Hold Onto Thy Funds.</b><br/><br/>Reasonable provides a very succinct breakdown of your W-4 with <a href="https://web.archive.org/web/20101118121336/http://www.richlyreasonable.com/blog/2010/07/w4-checkup.html">W-4 Check-Up</a> posted at <a href="https://web.archive.org/web/20101118121336/http://www.richlyreasonable.com/blog/">Richly Reasonable - Money, Saving, Living, Playing</a>.<br/><br/>PT schools us in the right way to complain with <a href="https://web.archive.org/web/20101118121336/http://ptmoney.com/2010/07/14/how-to-complain-and-get-your-moneys-worth/">How to Complain and Get Your Money&#8217;s Worth</a> posted at <a href="https://web.archive.org/web/20101118121336/http://ptmoney.com/">PT Money</a>. It really is an art form, especially for PT.<br/><br/>vh makes me miss the days of my childhood when I used to come home from school and jump directly in the pool with <a href="https://web.archive.org/web/20101118121336/http://funny-about-money.com/2010/07/10/hot-and-muggy/">Hot and Muggy!</a> posted at <a href="https://web.archive.org/web/20101118121336/http://funny-about-money.com/">Funny about Money</a>. Even running through a sprinkler is a great way to stay cool when the weather stays hot.<br/><br/>Jason presents <a href="https://web.archive.org/web/20101118121336/http://liverealnow.net/the-10-step-saving-action-plan/">The 10-Step Saving Action Plan</a> posted at <a href="https://web.archive.org/web/20101118121336/http://liverealnow.net/">Live Real, Now</a>. He is the man with a plan.<br/><br/>Craig Ford presents <a href="https://web.archive.org/web/20101118121336/http://www.moneyhelpforchristians.com/get-student-loan-debt-forgiven-a-guide-for-ministers-pastors-non-profit-workers/">Student Loan Debt Forgiveness | For Ministers &amp; Non-Profit Workers</a> posted at <a href="https://web.archive.org/web/20101118121336/http://www.moneyhelpforchristians.com/">Money Help For Christians</a>. There are more and more avenues for loan forgiveness, and it would be silly not to explore them all.<br/><br/><b>Commandment #3: Endeavor To Spend Wisely, If One Must Spend At All.<br/></b><br/>FMF presents <a href="https://web.archive.org/web/20101118121336/http://www.freemoneyfinance.com/2010/07/save-money-by-buying-on-specific-days-of-the-week.html">Save Money by Buying on Specific Days of the Week</a> posted at <a href="https://web.archive.org/web/20101118121336/http://www.freemoneyfinance.com/">Free Money Finance</a>. Who knew Thursdays were the best time to go clothes shopping?<br/><br/>J. Money presents <a href="https://web.archive.org/web/20101118121336/http://www.budgetsaresexy.com/2010/07/rent-vs-buy-tools-textooks-caskets/">Rent vs. Buy: Tools, Textbooks, Caskets?</a> posted at <a href="https://web.archive.org/web/20101118121336/http://www.budgetsaresexy.com/">Budgets Are Sexy</a>. Rent-a-casket? Definitely grounds for cremation!<br/><br/>Tom @ Canadian Finance Blog presents <a href="https://web.archive.org/web/20101118121336/http://canadianfinanceblog.com/2010/07/14/calculating-fuel-economy.htm">Calculating Fuel Economy</a> posted at <a href="https://web.archive.org/web/20101118121336/http://canadianfinanceblog.com/">Canadian Finance Blog</a>. Whether you calculate kilometres and litres or miles and gallons, the math is still the same. Keep in mind, it not only helps you track your expenses, but a observing a drastic change in fuel consumption can help you identify a repair before it becomes major.<br/><br/>Paul Williams presents <a href="https://web.archive.org/web/20101118121336/http://www.providentplan.com/2298/the-value-of-quality-cookware-plus-100-giveaway/">The Value of Quality Cookware</a> posted at <a href="https://web.archive.org/web/20101118121336/http://www.providentplan.com/">Provident Planning</a>. In the Modern Tightwad house kitchen items are a major source of splurge, but we found that having nice cookware means we like cooking more, keeping overall food bills down.<br/><br/>There isn't a time in my life that I don't look back on and wish I was more frugal, then when I was going to school MD presents <a href="https://web.archive.org/web/20101118121336/http://studenomics.com/debt-reduction/frugality-and-focus-in-education/">Frugality and Focus in Education</a> posted at <a href="https://web.archive.org/web/20101118121336/http://studenomics.com/">studenomics.com</a>.<br/><br/>Neal Frankle presents <a href="https://web.archive.org/web/20101118121336/http://wealthpilgrim.com/how-get-senior-term-life-insurance-cheap/">How To Get Senior Term Life Insurance Cheap</a> posted at <a href="https://web.archive.org/web/20101118121336/http://wealthpilgrim.com/">Wealth Pilgrim</a>. There are certain items that are more difficult to obtain based on your age. Neal breaks down how to obtain term life insurance as it gets harder.<br/><br/><b>Commandment #4: Ask For Help When In Need.</b><br/><br/>Leave Debt Behind.com presents <a href="https://web.archive.org/web/20101118121336/http://www.leavedebtbehind.com/pay-off-debt/a-money-coach-can-fix-your-finances/">A Money Coach Can Fix Your Finances</a> posted at <a href="https://web.archive.org/web/20101118121336/http://www.leavedebtbehind.com/">Leave Debt Behind</a>. There's nothing wront with asking for assistance.</div><div><br/>MoneyNing presents <a href="https://web.archive.org/web/20101118121336/http://moneyning.com/money-tips/these-7-simple-money-tips-can-make-all-your-dreams-come-true/">These 7 Simple Money Tips Can Make All Your Dreams Come True</a> posted at <a href="https://web.archive.org/web/20101118121336/http://moneyning.com/">Money Ning</a>.<br/><br/><b>Commandment #5: Don't Compromise Thy Good Standards.</b><br/><br/>Briana Ford presents <a href="https://web.archive.org/web/20101118121336/http://www.gobankingrates.com/savings-account/when-saving-money-is-harmful/">When Being Frugal is Bad</a> posted at <a href="https://web.archive.org/web/20101118121336/http://www.gobankingrates.com/">Go Banking Rates</a>. Being frugal (or a tightwad) does not mean you act without ethics. You should always be able to look yourself in the mirror, or your kids in the eye when you save money.<div><br/></div><div><br/><div><b>Editor's Note:</b> Thank you for your participation in this carnival, both reading, and submitting. Frugality is not dead, but for some people it is waning. I was a little surprised at the number of articles submitted (not the good surprised, either). Next week the series goes to<a href="https://web.archive.org/web/20101118121336/http://www.wealthinformatics.com/"> Wealth Informatics</a>. Do me a favor and overwhelm her with great articles about frugality. </div><div><br/></div><div><i><span class="Apple-style-span" style="font-size:small;">Photo Courtesy of </span></i><a href="https://web.archive.org/web/20101118121336/http://www.flickr.com/photos/stevensnodgrass/3291353234/"><i><span class="Apple-style-span" style="font-size:small;">Steve Snodgrass</span></i></a><i><span class="Apple-style-span" style="font-size:small;">.</span></i></div></div></div>
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<div class="avatar-image-container avatar-stock"><span dir="ltr"><a href="https://web.archive.org/web/20101118121336/http://www.blogger.com/profile/13188173788063351801" rel="nofollow" onclick="" class="avatar-hovercard" id="av-0-13188173788063351801"><img src="https://web.archive.org/web/20101118121336im_/http://img2.blogblog.com/img/b16-rounded.gif" width="16" height="16" alt="" title="Funny about Money">

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Thanks for including Funny&#39;s squib on surviving on the surface of Venus...uhm, in the low desert of the American Southwest. <br/><br/>Nice job on the carnival. That was very thoughtful to send a short URL, too! :-)
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<a href="https://web.archive.org/web/20101118121336/http://www.moderntightwad.com/2010/07/festival-of-frugality-239-commandments.html?showComment=1279634532372#c4934513575668340571" title="comment permalink">
July 20, 2010 7:02 AM
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<div class="avatar-image-container avatar-stock"><span dir="ltr"><a href="https://web.archive.org/web/20101118121336/http://www.budgetsaresexy.com/" rel="nofollow" onclick=""><img src="https://web.archive.org/web/20101118121336im_/http://img1.blogblog.com/img/blank.gif" width="16" height="16" alt="" title="J. Money">

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<a href="https://web.archive.org/web/20101118121336/http://www.budgetsaresexy.com/" rel="nofollow">J. Money</a>
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Yes! Cherish Thy Budget - say it loud and say it proud! ;)
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_WidgetManager._RegisterWidget('_FollowersView', new _WidgetInfo('Followers1', 'sidebar-right-1', null, document.getElementById('Followers1'), {'title': 'Followers', 'codeSnippet': '\74script type\75\42text/javascript\42\76\n        if (!window.google || !google.friendconnect) {\n          document.write(\47\74script type\75\42text/javascript\42\47 +\n              \47src\75\42http://www.google.com/friendconnect/script/friendconnect.js\42\76\47 +\n              \47\74/scr\47 + \47ipt\76\47);\n        }\n      \74/script\76\n\74script type\75\42text/javascript\42\76\n      if (!window.registeredBloggerCallbacks) {\n        window.registeredBloggerCallbacks \75 true;\n\n        \n\n        \n        gadgets.rpc.register(\47requestReload\47, function() {\n          document.location.reload();\n        });\n\n        \n        gadgets.rpc.register(\47requestSignOut\47, function(siteId) {\n          \n          google.friendconnect.container.openSocialSiteId \75 siteId;\n          google.friendconnect.requestSignOut();\n        });\n      }\n    \74/script\76\n\74script type\75\42text/javascript\42\76\n    \n    function registerGetBlogUrls() {\n      gadgets.rpc.register(\47getBlogUrls\47, function() {\n        var holder \75 {};\n        \n          \n            \n            \n              holder.currentPost \75 \42http://www.blogger.com/feeds/4253296492137991403/posts/default/4518692104748283087\42;\n            \n            \n            \n              holder.currentComments \75 \42http://www.blogger.com/feeds/4253296492137991403/4518692104748283087/comments/default\42;\n            \n            holder.currentPostUrl \75 \42\42;\n            holder.currentPostId \75 4518692104748283087\n          \n          \n          \n            holder.postFeed \75 \42http://www.blogger.com/feeds/4253296492137991403/posts/default\42;\n          \n          \n          \n            holder.commentFeed \75 \42http://www.blogger.com/feeds/4253296492137991403/comments/default\42;\n          \n          holder.currentBlogUrl \75 \42http://www.moderntightwad.com/\42;\n          holder.currentBlogId \75 \0424253296492137991403\42;\n        \n        return holder;\n      });\n    }\n  \74/script\76\n\74script type\75\42text/javascript\42\76\n  if (!window.registeredCommonBloggerCallbacks) {\n    window.registeredCommonBloggerCallbacks \75 true;\n\n    gadgets.rpc.register(\47resize_iframe\47, function(height) {\n      var el \75 document.getElementById(this[\47f\47]);\n      if (el) {\n        el.style.height \75 height + \47px\47;\n      }\n    });\n\n    \n    gadgets.rpc.register(\47set_pref\47, function() {});\n\n    registerGetBlogUrls();\n  }\n  \74/script\76\n\74div id\75\42div-16l0c53wg9pmr\42 style\75\42width: 100%; \42\76\74/div\76\n\74script type\75\42text/javascript\42\76\n    var skin \75 {};\n    skin[\47FACE_SIZE\47] \75 \04732\47;\n    skin[\47HEIGHT\47] \75 \042260\42;\n    skin[\47TITLE\47] \75 \42Followers\42;\n    skin[\47BORDER_COLOR\47] \75 \42transparent\42;\n    skin[\47ENDCAP_BG_COLOR\47] \75 \42transparent\42;\n    skin[\47ENDCAP_TEXT_COLOR\47] \75 \42#666666\42;\n    skin[\47ENDCAP_LINK_COLOR\47] \75 \42#2288bb\42;\n    skin[\47ALTERNATE_BG_COLOR\47] \75 \42transparent\42;\n    \n    skin[\47CONTENT_BG_COLOR\47] \75 \42transparent\42;\n    skin[\47CONTENT_LINK_COLOR\47] \75 \42#2288bb\42;\n    skin[\47CONTENT_TEXT_COLOR\47] \75 \42#666666\42;\n    skin[\47CONTENT_SECONDARY_LINK_COLOR\47] \75 \42#2288bb\42;\n    skin[\47CONTENT_SECONDARY_TEXT_COLOR\47] \75 \42#999999\42;\n    skin[\47CONTENT_HEADLINE_COLOR\47] \75 \42#000000\42;\n    skin[\47FONT_FACE\47] \75 \42normal normal 12px \\x27Trebuchet MS\\x27, Trebuchet, Verdana, sans-serif\42;\n    google.friendconnect.container.setParentUrl(\42/\42);\n    google.friendconnect.container[\42renderMembersGadget\42](\n    {id: \42div-16l0c53wg9pmr\42,\n     height: 260,\n     \n     \n     \n     site: \04211586074184441024878\42,\n      \n     locale: \47en\47 },\n     skin);\n  \74/script\076'}, 'displayModeFull'));
_WidgetManager._RegisterWidget('_HTMLView', new _WidgetInfo('HTML5', 'sidebar-right-1', null, document.getElementById('HTML5'), {}, 'displayModeFull'));
_WidgetManager._RegisterWidget('_HTMLView', new _WidgetInfo('HTML2', 'sidebar-right-2-2', null, document.getElementById('HTML2'), {}, 'displayModeFull'));
_WidgetManager._RegisterWidget('_TextView', new _WidgetInfo('Text1', 'sidebar-right-2-2', null, document.getElementById('Text1'), {}, 'displayModeFull'));
_WidgetManager._RegisterWidget('_BlogArchiveView', new _WidgetInfo('BlogArchive1', 'sidebar-right-2-2', null, document.getElementById('BlogArchive1'), {'languageDirection': 'ltr'}, 'displayModeFull'));
_WidgetManager._RegisterWidget('_HTMLView', new _WidgetInfo('HTML4', 'sidebar-right-2-1', null, document.getElementById('HTML4'), {}, 'displayModeFull'));
_WidgetManager._RegisterWidget('_LabelView', new _WidgetInfo('Label1', 'sidebar-right-2-1', null, document.getElementById('Label1'), {}, 'displayModeFull'));
_WidgetManager._RegisterWidget('_NavbarView', new _WidgetInfo('Navbar1', 'navbar'));
</script>
</body>
</html><!--
     FILE ARCHIVED ON 12:13:36 Nov 18, 2010 AND RETRIEVED FROM THE
     INTERNET ARCHIVE ON 10:24:21 Sep 06, 2026.
     JAVASCRIPT APPENDED BY WAYBACK MACHINE, COPYRIGHT INTERNET ARCHIVE.

     ALL OTHER CONTENT MAY ALSO BE PROTECTED BY COPYRIGHT (17 U.S.C.
     SECTION 108(a)(3)).
-->
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