Is it just me, or is it really annoying to go to a website or YouTube video about saving money and living frugally, and the person doing the video or writing the article are trying to get you to buy or subscribe to something they are selling? If it is a diet or health site they try to convince you that the only type of supplements that work are the expensive ones their company name is on. All others are useless and you have wasted your money! I admit, I have fallen for these marketing ploys many times over the years. Not anymore! The money saving ones or getting out of debt are the ones that really get to me. You are there due to having no money or being in debt and want information on how to get out. So what do they do? Give you some information to get you interested. Then hit you with the book or subscription or coaching service that will get rid of all your problems for life. But you have to pay for it.
Whatever happened to good old fashion helping others out? If I knew the answers to everything, I would help everyone. I like thinking when I write tips or ideas I have, that others find it valuable in some way. I can’t really say I am an expert in any one subject. I have always written about the way I do things. Take it or leave it. If you know a better way then do it your way. No sense arguing with anyone about how to do things. I also see no sense in charging people money for you to share your information. I used to put affiliate links on my blogs and never found it was worth it to annoy my readers. Those darn things kept getting in the way of what they were trying to read. Like trying to read a recipe on a blog and the photos are super big and as you scroll down, all types of ads are in between the pictures and the text. Very difficult to read. I leave those sites and skip the recipe.
Don’t get me wrong, I realize many people are now earning a living online by these informational sites. For me, a blog used to be about my own life and how I did things on my homestead. I had several and I listened to all the other bloggers, who said they were making a lot of money every month on their blogs. With affiliate links, subscriptions and selling their own products like eBooks and newsletters. Well, I was never quite comfortable pushing that stuff. I still have two eCookbooks for sale on Amazon in the Kindle shop. I never promote them. With all of that, I never made any real money. I never could have lived off what I made. I still put an affiliate link from Amazon on a blog post if it is about a product I have bought or used. A small link, not intrusive on the reader’s experience.
If you are living in extreme poverty and go to the library to access the internet, I do not expect you to be able to buy a $35.00 book to learn how to pay your debt off. When you have no money to work with, I would not want to see you add that book price to your current debt load. Nope. I would rather share my information of how I did it hoping it would give you an idea of how to pay off all those credit cards on a very low income……….yes, low income in my mind is not forty thousand dollars a year! It is more like $20,00-$12,000 or less. All the well known frugal money wizards have books or courses to push upon you when all you want to know is how to get started. Like I said, I am not an expert and especially on this subject. I have been working on it myself and I am willing to share my information and if it helps you, then good. If not, maybe you will find someone else who can help you more than I.
The very first thing all financial experts would tell you (and I know this as I worked in accounting offices and was married to an accountant) is to keep track of every single penny you spend for at least three months. Whatever you purchase, write it down. This gives you a clear picture of what you are spending your money on. Do not take out cash and spend it and just write cash down. Write down every cent spent and what it was spent on. After you have done that you need to study it and categorize every single purchase. Now make a list of the categories and you have the beginning of your budget. This is your blueprint that will divide your money up into your expenses for the month. If you don’t have a plan written down, you will not stick to it. Remember that!
Copyright © 2019 Kathleen G. Lupole
All Photographs Copyright © 2019 Kathleen G. Lupole