I am always concerned as to how my clients are spending. Is a purchase a need or a want? Did you do sufficient research before that big purchase? There are a number of ways to live frugally, but not look like a cheapskate.
Shop at the back of the store first.
It does not matter whether you are shopping for clothing or office supplies, the sale items are always in the back of the store.
Buy used.
We always buy cars that have been leased by someone else, then returned. If you lease a car you must maintain the car and keep the mileage low in order to not pay a big chunk when you return the car. Lease returns end up being good cars to buy due to the good maintenance records, low mileage, and the often still have warranty left.
We also have only bought homes that have been in foreclosure. This may not be a choice for everyone as I did grow up in a construction family, but you can often buy below market.
Buy quality
I am a lover of shoes. I used to buy based only on appearance, not how they were made. My Husband asked me why I didn’t buy better made shoes and then just get them re-soled or repaired when needed. I started buying better made shoes and doing just as he suggested. I still love shoes but am saving money by buying better quality.
How you spend is everything and may make for a more successful retirement.

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