10 Ways Thrifty People Stay Content And On Track Financially

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I think the social media driven world has made staying content even harder. When else in history have we been able to see our high school buddies shiny new, way better than ours,  car just 5 minutes after she bought it even though she lives on the other side of the planet and we have not seen her in person for the last 20 years.

10 ways thrifty people stay content and on track financially

With discontentment comes the temptation to toss financial goals aside and start living beyond our means. That said however, I think it is possible to stop being sidetracked by discontentment.

 Here are 10 Ways Thrifty People Stay Content And On Track For Reaching Financial Goals

1. We read books that remind us that we are blessed 

If you can’t get these books from your local library you can try at paperbackswap.com or save up your Swagbucks to support your bookworm habits.

2. Memorize verses on contentment

Here is one of my favoritescontentment 1 timothy 68

For a complete list of the verses I think all thrifty people should memorize see 10 Bible Verses Thrifty People Memorize.

3. Limit sources that feed our discontentment

Back many years ago we had satellite TV. I use to watch HGTV for an hour each night while I was knitting. I soon started noticing things around my home bugging me that had never bothered me before. My wallpaper was outdated. My bathroom did not have double sinks. Silly things I never cared about before. When Netflix came out we cut out satellite and I lost HGTV and the discontentment with my home lessened.

I also have learned to avoid certain magazines even when I can get them for free, as flipping through them makes me feel discontented with either my home or my wardrobe, depending on what magazine it is.

4. Count blessings

For several years now I have kept a gratitude journal. It is simple, and inexpensive. Each day I write down a few things I am thankful for. I find it really helps me maintain a positive attitude.

5. Use point programs for little splurges

Sometimes you just get stuck in a bad “why can’t I buy it” attitude rut and all it takes to get you out of it is a small thing. Perhaps a cup of your favorite coffee drink. Or a new album for your iPod. Or a trip through the dollar spot at Target.  Or perhaps a new book. These things are small pick me ups that can easily be paid for by point earned gift cards. Here are a few of my favorite point earning programs.

3 0f my favorite point reward programs

3 of my favorite cashback apps

2 programs I use for earning magazines & books

  • Recycle Bank  (I currently get Runner’s World each year with my Recycle Bank Points)
  • Tyndale Rewards (a point program that pays you with books! a book lovers dream)

For more point programs and how to maximize your earnings with them visit my point reward programs page.

6. Keep focused on goals with geek charts

Nothing helps stop my discontent faster than knowing I am not getting A because I am saving for B, and seeing that I am making progress in saving for B stops discontentment even faster. So I will make a chart showing how much our next big saving goal item will cost and how far along we are in saving for it and how much longer it should take.

7. Surround yourself with like minded people

It is easier to live thrifty when your friends are thrifty. You might be using coupons on groceries so you can get out of debt, and I might be using them so I can take the family on vacation, but we both are using them to reach financial goals , and chances are that will bond us together and keep us accountable to staying on track.

8. Give to those with less

Even when we are in the midst pinching pennies to rid ourselves of debt I think it is important to give. Even if it is just a bag full of coupon bought groceries or personal products dropped off at the local food bank. Or clothes that are too small for your child given to a child of another family that you know is struggling to pay their bills. When we give, we are more thankful for what we have and feel blessed.

9. Know your priorities

Sure your friend has a shiny new car and you have a beaten up clunker sitting in your driveway, but somehow it is easier to accept if you know the reasons behind the clunker. Is keeping a clunker helping to keep a mom home with her little ones? Perhaps the clunker is helping you work your way out of debt so you can work shorter hours and have more time with your family. Know your life priorities, and suddenly the sacrifices seem worth it.

10. Wish list it and wait

Sometimes when a wave of discontentment hits  an  “I got to have it now and I don’t care the cost” mood can cloak our sanity and the next thing we know we are facing a huge financial set back in reaching our money goals. Instead of purchasing in this mood make a pact that you will  wish list all items that are not on your “have the money, need it, and waiting for a sale to get it” list, then wait 48 hours and see how you feel about the item. When I do this I end up not buying 99.9 percent of the items.

Looking for money saving tips? Follow my Saving Money Tips board on Pinterest.


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  1. Thank you for these tips, reminders and encouragement.

  2. Ohhhhh, I love this post! My post this week was on some things that I’ve been learning financially too, so I feel like this is just even more of a confirmation for me that I’m going in the right directions. I was especially hit with your #3 to limit the sources of discontent- it is such a heart issue, and I find myself struggling more with gratitude the more I compare; why fight an uphill battle when you can just limit those sources?! Thanks for your thoughts!

  3. This was great! Finding contentment is an ongoing journey for me. I especially like your point about surrounding yourself with like-minded people. I am sure that would make a big difference. At this point, when it comes to living frugally, the only like-minded people I “know” are bloggers that I follow. It definitely makes it difficult to be surrounded by friends and family who are big spenders. Thank you for this! I am bookmarking it so I can come and read it again when I need it 🙂

  4. I have a hard time being content, this is helpful and a great reminder! Thanks 🙂

  5. Great tips, I agree, watching tv can cause discontent, it does help to stay focused on the larger goals, I love your idea of making charts! 🙂

  6. This amazing post is being featured on my blog today as part of Tuesdays with a Twist blog hop. If you get a chance (& if you want to), please stop by and grab a featured button: http://www.godsgrowinggarden.com/2014/05/time-to-link-up-tuesdays-with-twist_13.html
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  7. Great reminders. It can be hard to live thrifty sometimes, but it really helps to remember how blessed we are to have what we have! Extras are nice, but if we have the basics then we are already blessed beyond measure. Great post!

  8. I really took this to heart. I used to watch a lot of home improvement shows but never made the connection of MY discontent. I too was thinking our home needed updating, our yard needed hardscape and landscape done and I was a bear about it. This was a huge revelation for me and I want to say Thanks! Going forward I now know better and will do better. O:-)

  9. Thanks for the encouragement! Need it right now during these financially difficult times.


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