Save Now, Spend Later!

A penny saved is a penny earned, a saying most notably attributed to Benjamin Franklin, who by the way never said that phrase exactly. He did however, in 1737 write in Poor Richard’s Almanack “a penny saved is two pence clear,” meaning a penny saved is two pennies earned. As cautious as we can be, we try to maximize our financial earnings by saving as much as possible for the next “emergency” so we are not caught off guard and faced with a mountain of unexpected debt, but somehow we still fall short of our goal. The best way to accomplish some resemblance of financial independence is to live below your means so you are not scraping by every month, which I am sure most who are reading this have experienced that reality at least one time in your life. Needless to say, it is no fun when you have more bills than you have money to pay them.

I would like to introduce you to a website that is designed to give you everyday tips you may not be aware of to help you save money by stretching your income and still enjoying the things you like but at a lesser price than you normally pay. Purchasing an item at a higher price because it is a recognized “name brand” as opposed to purchasing a similar lesser known item presenting the same overall effect really makes no sense, except to the business or person you paid the higher price to, and the reality of it is at the end of the day most people are not concerned with what you have or don’t have, so I say enough with being pretentious and learn how to maximize the amount of money you have at your disposal! That’s where FrugalFrances comes in. Frugal Frances provides information on managing your credit card debt, setting up a budget, providing information about how and why you may be in financial constraints, and shows you ways to get clear of the debt. Do you need counseling on your financial spending, how to spend when doing holiday shopping, building an emergency fund, or learning tips to help you when you become a first-time home buyer? Well, you need to click on FrugalFrances.com and start your journey on the road to financial savings.

Think back on your past about the times you wished you hadn’t made a particular purchase that you either did not keep very long, or if you still have it, the item does not provide the same sense of excitement after you have had it for a while? Frugal Frances will help you get your financial life back on track and work with you in setting up personal goals that fit your particular situation so that you can feel attached to the recommendations she provides towards your unique financial circumstance. We all have financial dreams but as long as we are indebted to others, those dreams will have to be on hold. So before you spend that next dollar, review the information Frugal Frances has waiting for you to help you get and keep most of your earnings, because as another saying goes, it’s not about how much you make but how much you keep.

I am Dr. Anthony Spivey and until next time as I tell my small business owners, think BIG because there is no money better than your money in your pocket, and Frugal Frances can show you how to keep it in your lane!