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The Frugalista Files: How One Woman Got Out of Debt Without Giving Up the Fabulous Life
Natalie McNeal opened her bills in January 2008 to find that she was a staggering five figures—$20,000!—in debt. Young, hip and gainfully (if Dilbert-ly) employed, Natalie loved her lifestyle of regular mani/pedis, daily takeout and nights on the town, but clearly something had to give.
And so The Frugalista Files was born. Through her blog, Natalie confessed her spending habits to the world—and it turns out she wasn't the only one having trouble balancing the budget! From the drastic "no-buy" month that kicked it all off to the career gamble that threatened to put her deeper in the hole, The Frugalista Files shares Natalie's personal and professional transformation from cubicle rat to take-charge career girl.
It is possible to get ahead without giving up on the fabulous life. This is personal finance in peep-toe pumps—the empowering true story of one woman's personal and professional transformation and your ultimate guide to living the Frugalista lifestyle, too.
And so The Frugalista Files was born. Through her blog, Natalie confessed her spending habits to the world—and it turns out she wasn't the only one having trouble balancing the budget! From the drastic "no-buy" month that kicked it all off to the career gamble that threatened to put her deeper in the hole, The Frugalista Files shares Natalie's personal and professional transformation from cubicle rat to take-charge career girl.
It is possible to get ahead without giving up on the fabulous life. This is personal finance in peep-toe pumps—the empowering true story of one woman's personal and professional transformation and your ultimate guide to living the Frugalista lifestyle, too.
192 pages, Paperback
First published December 21, 2010
12 people are currently reading
338 people want to read
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Displaying 1 - 30 of 72 reviews
November 25, 2012
Natalie McNeal is something inspiring for people who just want to write a book about anything at all, not be a very good writing, and still managed to get published (and probably paid decently!). This book was something awful.
I was hoping for a book with tips on saving money; frugality and fashion don’t exactly miss. I was totally wrong. Having never heard of Ms. McNeal’s blog, thefrugalista.com, I had no idea that her book would be... well about how she started her blog about being frugal. Yep, that’s the entire premise of the book. There aren't many tips to being frugal and saving other than don’t spend you money on things you don’t need and can’t afford... uhh.. thanks for that. I was definitely expecting more than a memoir of how she started her blog, quit her job, and then starting blogging full-time. Hey, good for her, I have nothing against the blogging career, but this book is not at all what I expected. Ms. McNeal is also an early-retired journalist. I couldn't believe it! This book was so informal, and well, poorly written blog-like that it was hard to read.
I am thankful I got this from the library (where books are FREE to borrow, you know), and did not put any money in this woman’s pocket.
I was hoping for a book with tips on saving money; frugality and fashion don’t exactly miss. I was totally wrong. Having never heard of Ms. McNeal’s blog, thefrugalista.com, I had no idea that her book would be... well about how she started her blog about being frugal. Yep, that’s the entire premise of the book. There aren't many tips to being frugal and saving other than don’t spend you money on things you don’t need and can’t afford... uhh.. thanks for that. I was definitely expecting more than a memoir of how she started her blog, quit her job, and then starting blogging full-time. Hey, good for her, I have nothing against the blogging career, but this book is not at all what I expected. Ms. McNeal is also an early-retired journalist. I couldn't believe it! This book was so informal, and well, poorly written blog-like that it was hard to read.
I am thankful I got this from the library (where books are FREE to borrow, you know), and did not put any money in this woman’s pocket.
January 9, 2011
This book offers a window onto one woman's effort to take control of her financial (and professional) life over the course of a single year. I'm a voyeur, so the breakdown of debts, expenditures, and income was highly appealing, and I was really impressed/inspired by the dent she put in her debt in just 12 months. But it seemed to me that a big part of why she was able to do so while still living "the fabulous life" was because so many of her friends were willing to buy her dinner and drinks. Not everyone has that luxury, nor is it all that interesting in the way of character development to show that, rather than taking on new and cheaper interests (reading, local theater, hosting potlucks at home), she just got her old ones partially subsidized. I wouldn't have minded this so much had she offered some "Frugalista" tip about sending a credit card company the money you save on unexpectedly free meals and outings or something, but as it was it just had a "go me!" vibe that wore thin after awhile.
Other than that, I could have done without the constant punctuation in the form of "LOL," "heehee," emoticons, and other internet speech. Beyond seeming out of place between the covers of a book, it imposed a reaction where I'd have preferred to have my own. But, to be fair, these tics helped give me a pretty good sense of the writer's personality, which in the book comes across as fun-loving, self-deprecating, and optimistic.
Other than that, I could have done without the constant punctuation in the form of "LOL," "heehee," emoticons, and other internet speech. Beyond seeming out of place between the covers of a book, it imposed a reaction where I'd have preferred to have my own. But, to be fair, these tics helped give me a pretty good sense of the writer's personality, which in the book comes across as fun-loving, self-deprecating, and optimistic.
December 27, 2010
It's like a grown up version of The Broke Diaries meets Sophie Kinsella! - Me
Yep, I said that. The whole time I was reading The Frugalista Files it reminded me of Angela Nissel's The Broke Diaries, but a more mature version. And author Natalie McNeal adds just the right amount of humor to dance along the periphery of Sophie Kinsella-dom. All in all, it's an unbeatable combination.
So what happens when a single thirtysomething wakes up one day and realizes that her debt is out of control? If she's smart, and our author is brilliant, she sizes up the situation and takes control of it. What started as a 28-day plan (props to the Frugalista for trying this in the shortest month of the year) to stop spending frivolously turned into a year long journey. Luckily for us, the Frugalista is also a journalist by trade and blogs about her adventures along the way.
What this is not: Your average financial planning guidebook.
What this is: A funny, truthful look at how spending a few dollars here and there can really add up and what you can do to stop spending and start saving.
My favorite tip: "Friends often have similar taste. Shake 'em down when they are moving and vulnerable."
What did you like about this book?
It wasn't preachy. I hate reading books about saving money that make me feel like I'm being lectured to by a stodgy codger in a smoke filled interrogation room. Instead, it was like getting a glimpse into a friend's diary and saying, "wow, I could totally do that!"
What didn't you like about this book?
Um, it ended. Yeah, yeah, I know I can I follow the author on Twitter @frugalista or visit her blog at thefrugalista.com, BUT the book was really entertaining.
What could the author do to improve this book?
A sequel? Another book about whatever moves her? Either is acceptable.
Yep, I said that. The whole time I was reading The Frugalista Files it reminded me of Angela Nissel's The Broke Diaries, but a more mature version. And author Natalie McNeal adds just the right amount of humor to dance along the periphery of Sophie Kinsella-dom. All in all, it's an unbeatable combination.
So what happens when a single thirtysomething wakes up one day and realizes that her debt is out of control? If she's smart, and our author is brilliant, she sizes up the situation and takes control of it. What started as a 28-day plan (props to the Frugalista for trying this in the shortest month of the year) to stop spending frivolously turned into a year long journey. Luckily for us, the Frugalista is also a journalist by trade and blogs about her adventures along the way.
What this is not: Your average financial planning guidebook.
What this is: A funny, truthful look at how spending a few dollars here and there can really add up and what you can do to stop spending and start saving.
My favorite tip: "Friends often have similar taste. Shake 'em down when they are moving and vulnerable."
What did you like about this book?
It wasn't preachy. I hate reading books about saving money that make me feel like I'm being lectured to by a stodgy codger in a smoke filled interrogation room. Instead, it was like getting a glimpse into a friend's diary and saying, "wow, I could totally do that!"
What didn't you like about this book?
Um, it ended. Yeah, yeah, I know I can I follow the author on Twitter @frugalista or visit her blog at thefrugalista.com, BUT the book was really entertaining.
What could the author do to improve this book?
A sequel? Another book about whatever moves her? Either is acceptable.
April 23, 2011
The author has written a somewhat entertaining and engaging read about finding herself buried in debt. Decent job, but way too many bills. Bad decisions, student loans, car note....and way too much living beyond her means. A good book for those in their early 20s and late teens, it offers a cautionary look at her mistakes and missteps.
However, if you are in a position similar to the author's, you won't really find a way out here. Some good ideas, living a more thoughtful and thrifty life, but not enough real information. Another reviewer stated too much fluff, which was pretty much on target. I would have liked to see the book take a more serious look at how she got to that point, and more real world work at solving the problem. If you have a problem with finances, read Suze Orman or the book "Your Money or Your Life". For an entertaining read, pick up this book.
However, if you are in a position similar to the author's, you won't really find a way out here. Some good ideas, living a more thoughtful and thrifty life, but not enough real information. Another reviewer stated too much fluff, which was pretty much on target. I would have liked to see the book take a more serious look at how she got to that point, and more real world work at solving the problem. If you have a problem with finances, read Suze Orman or the book "Your Money or Your Life". For an entertaining read, pick up this book.
July 15, 2011
Originally posted at Once Upon a Chapter
It’s January and Natalie McNeal realizes she’s in debt. Bad. She is just going to keep swimming in debt unless she does something to change that. But a girl’s gotta eat and go out with the girls and occasionally splurge and treat herself right? Natalie sets about challenging herself to find ways to do this without spending a ton of money. In fact while she looks for a way to stay socially active and in fine fashion, she’s going to try and get her debts paid down.
Natalie also grows over the year that she is covered in The Frugalista Files. She goes from a self-proclaimed spending slut to a woman who has her priorities in the right place. By the end of the book Natalie has put a decent dent in her debts and it is inspiring.
The Frugalista Files was a very light financial read. As the reader you watch Natalie realize her problems and her reactions to it. It was helpful to learn that we are not alone in financial issues and that other people make mistakes too. Natalie started The Frugalista Files as a blog for the newspaper she was working for at the time. The book is set up as blog entries including LOLs, emoticons and various other Internet speak. There was also clear development in Natalie as she grew stronger in her resolve to get her debts under control.
I admired her in her ability to stick to her goals. She didn’t waver from them too often. The book wasn’t what I expected it to be though. It was more personal and less financial advice. It boils down to what every financial advisor will tell you: spend less, save more. I walked away feeling more inspired than when I started so the book isn’t all bad.
There were things that just didn’t work for me as well. I didn’t click with the author at all. I think it started at the beginning of the book. On page 11 there is a scene from one of Natalie’s Christmases and I instantly detached any connection to the author. I was pretty disgusted and I think it stuck with me through the rest of the book. I’m sure it wasn’t fun to relate that story but it set my opinion of the author for the rest of the book.
If you’re looking for an inspirational financial read from the perspective of one woman trying to turn her life around this book is for you. Otherwise, I’d pass on it or get it from your library.
It’s January and Natalie McNeal realizes she’s in debt. Bad. She is just going to keep swimming in debt unless she does something to change that. But a girl’s gotta eat and go out with the girls and occasionally splurge and treat herself right? Natalie sets about challenging herself to find ways to do this without spending a ton of money. In fact while she looks for a way to stay socially active and in fine fashion, she’s going to try and get her debts paid down.
Natalie also grows over the year that she is covered in The Frugalista Files. She goes from a self-proclaimed spending slut to a woman who has her priorities in the right place. By the end of the book Natalie has put a decent dent in her debts and it is inspiring.
The Frugalista Files was a very light financial read. As the reader you watch Natalie realize her problems and her reactions to it. It was helpful to learn that we are not alone in financial issues and that other people make mistakes too. Natalie started The Frugalista Files as a blog for the newspaper she was working for at the time. The book is set up as blog entries including LOLs, emoticons and various other Internet speak. There was also clear development in Natalie as she grew stronger in her resolve to get her debts under control.
I admired her in her ability to stick to her goals. She didn’t waver from them too often. The book wasn’t what I expected it to be though. It was more personal and less financial advice. It boils down to what every financial advisor will tell you: spend less, save more. I walked away feeling more inspired than when I started so the book isn’t all bad.
There were things that just didn’t work for me as well. I didn’t click with the author at all. I think it started at the beginning of the book. On page 11 there is a scene from one of Natalie’s Christmases and I instantly detached any connection to the author. I was pretty disgusted and I think it stuck with me through the rest of the book. I’m sure it wasn’t fun to relate that story but it set my opinion of the author for the rest of the book.
If you’re looking for an inspirational financial read from the perspective of one woman trying to turn her life around this book is for you. Otherwise, I’d pass on it or get it from your library.
This entire review has been hidden because of spoilers.
January 2, 2011
This seemed like the prefect book to start off a New Year, a book to describe how to live a fabulous life without going book. Unfortunately The Frugalista Files fulls short. This is not actually a personal finance guide, it is a look into one woman's struggle to live within her means and pay off the debt that she owes. If you a looking for a book to help you with your personal finances than look somewhere else.
The Frugalista Files is step in like blog or journal entries in month date format. I think the purpose of the format was to let readers see how McNeal struggled in her path to live frugally but most of the time it was just an overview of her day and had nothing to do with living frugally. The format made this a boring read for me. I think the book would have been better if it was done in normal chapter format. With each chapter dealing with some of the obstacles McNeal encountered in the first year of being a Frugalista.
There are a few interesting stories like her relationship with Mr. X and her co-workers. There is also a heart breaking story of her friend dying of brain cancer. These stories are few, mostly it is about her day to day life. Fear of losing her job, having people like she is broke. All done in a rather bland matter.
I didn't learn anything new from this The Frugalista Files, which is what I expect to do when I read a self help book. The only thing that might be new for some people is that bring lunch to work is cheaper than take out. Walking short distances saves gas. Ross, Marshalls, and TJ Maxx are cheaper than department stores. That's it and I already knew all those things.
The Frugalista Files is step in like blog or journal entries in month date format. I think the purpose of the format was to let readers see how McNeal struggled in her path to live frugally but most of the time it was just an overview of her day and had nothing to do with living frugally. The format made this a boring read for me. I think the book would have been better if it was done in normal chapter format. With each chapter dealing with some of the obstacles McNeal encountered in the first year of being a Frugalista.
There are a few interesting stories like her relationship with Mr. X and her co-workers. There is also a heart breaking story of her friend dying of brain cancer. These stories are few, mostly it is about her day to day life. Fear of losing her job, having people like she is broke. All done in a rather bland matter.
I didn't learn anything new from this The Frugalista Files, which is what I expect to do when I read a self help book. The only thing that might be new for some people is that bring lunch to work is cheaper than take out. Walking short distances saves gas. Ross, Marshalls, and TJ Maxx are cheaper than department stores. That's it and I already knew all those things.
June 8, 2011
Every New Year's Day, many of us make the requisite resolutions and promptly break them within the first week...some within the first day. Yeah, you know who you are.
I’m just as guilty as the rest of you, so when I found The Frugalista Files, I thought, Wow, if she really did this, I should read and take notes.
Natalie McNeal conceived The Frugalista Files as a way to chronicle her struggles as she learned to live within her means and pay off her debts. At the time, she worked as a reporter for The Miami Herald and posted the blog on their site. It turned out to be a huge hit that netted interviews on several television shows and in various newspapers.
The book is a journal of her life during this time – the ups and downs, good and bad, small successes and failures she experienced. Ms. McNeal has a wonderful sense of humor and it comes through beautifully. I cheered when she dated a younger man, sympathized when they broke up, and mourned the death of a friend with her.
Her advice is down-to-earth common sense. She was able to look good and live normally while paying down her debts in a manner that most of us could emulate without too much stress. She has since left the newspaper, but she did pay off her bills, just not in a year as she initially anticipated.
If you’re looking for inspiration to help motivate you, then you need to read this book. Heck, I’m feeling pretty self-righteous right now. I think I’ll go save some money.
I’m just as guilty as the rest of you, so when I found The Frugalista Files, I thought, Wow, if she really did this, I should read and take notes.
Natalie McNeal conceived The Frugalista Files as a way to chronicle her struggles as she learned to live within her means and pay off her debts. At the time, she worked as a reporter for The Miami Herald and posted the blog on their site. It turned out to be a huge hit that netted interviews on several television shows and in various newspapers.
The book is a journal of her life during this time – the ups and downs, good and bad, small successes and failures she experienced. Ms. McNeal has a wonderful sense of humor and it comes through beautifully. I cheered when she dated a younger man, sympathized when they broke up, and mourned the death of a friend with her.
Her advice is down-to-earth common sense. She was able to look good and live normally while paying down her debts in a manner that most of us could emulate without too much stress. She has since left the newspaper, but she did pay off her bills, just not in a year as she initially anticipated.
If you’re looking for inspiration to help motivate you, then you need to read this book. Heck, I’m feeling pretty self-righteous right now. I think I’ll go save some money.
January 11, 2011
This book chronicles the year in the life Natalie P. McNeal as she pays down her debt and tries to live more fiscally responsible. That may not sound like a big deal, but for a young journalist living and working in the social hotspot of Miami, it was difficult for a self-described "promiscuous spender".
Each chapter corresponds to the month of that year, starting with January, showing the amounts of her current credit card, car loan, and student loan debt. I will admit that it was pretty satisfying to see that number start to decrease as the year went on. To help her stay honest in her quest, she started a blog now known as Frugalista.com.
Granted, I personally didn't learn any new tips from this book as I live moderately frugally, but it was interesting just reading about McNeal's experiences. For someone who shopped incessantly (learned behavior from her Mom), took full advantage of Miami's nightlife, never cooked at home, and traveled quite a bit, cutting out those things made quite a journey for her. Her tales of cutting back on salon visits, shopping from her own closet, and getting comfortable in her kitchen aren't anything we haven't heard before, but her jumping full force into this project was refreshing.
Each chapter corresponds to the month of that year, starting with January, showing the amounts of her current credit card, car loan, and student loan debt. I will admit that it was pretty satisfying to see that number start to decrease as the year went on. To help her stay honest in her quest, she started a blog now known as Frugalista.com.
Granted, I personally didn't learn any new tips from this book as I live moderately frugally, but it was interesting just reading about McNeal's experiences. For someone who shopped incessantly (learned behavior from her Mom), took full advantage of Miami's nightlife, never cooked at home, and traveled quite a bit, cutting out those things made quite a journey for her. Her tales of cutting back on salon visits, shopping from her own closet, and getting comfortable in her kitchen aren't anything we haven't heard before, but her jumping full force into this project was refreshing.
December 24, 2010
http://search.barnesandnoble.com/The-...
I really enjoyed The Frugalista Files. Natalie McNeal took a risk in exposing her financial transgressions to the whole world, but it in the end it really paid off. (Pardon the silly pun). She learned a lot about herself in the process and I think there are a lot of women out there that can relate to her tales of financial woe. Natalie's fun and friendly personality shine through with every word she writes, making her blog (and book) seem more like a girlfriend sending you an email than a lecture about overspending.
If you are one of the millions of Americans who is going to try to get out of debt in 2011, I encourage you to check out The Frugalista Files. Natalie will give you the inspiration necessary to stay the course.
I really enjoyed The Frugalista Files. Natalie McNeal took a risk in exposing her financial transgressions to the whole world, but it in the end it really paid off. (Pardon the silly pun). She learned a lot about herself in the process and I think there are a lot of women out there that can relate to her tales of financial woe. Natalie's fun and friendly personality shine through with every word she writes, making her blog (and book) seem more like a girlfriend sending you an email than a lecture about overspending.
If you are one of the millions of Americans who is going to try to get out of debt in 2011, I encourage you to check out The Frugalista Files. Natalie will give you the inspiration necessary to stay the course.
December 6, 2017
This book just wasn't my cup of joe. It wasn't what I was expecting I guess. Although, now that I think about it, I don't really know what I was expecting. This was written like a diary/blog. I think it just really didn't mesh with me because of different personalities. I'm not really a fashion/shopping people person and I couldn't really relate to a lot of things contained in this book. But...It was written well and kept up the humor. I did respect that. Good Luck
January 2, 2020
I was very disappointed in this book. It was basically a monologue of the author’s party lifestyle. She complains constantly about her job, but freely admits that she spends work hours blogging instead of covering her assignments. She uses her professional and personal connections to continue her pre-low spending lifestyle except now she doesn’t pay for it.
I was not impressed with the story not the writing style.
I was not impressed with the story not the writing style.
February 18, 2024
I loved this book. I like the way she put down her thoughts and shared her journey of going through a year to tackle $20k of car payment, student loan and credit card debt. She had a good spirit and it was light hearted but real and you could tell as she decided to make different decisions how she still lived life but also worked on her goals. So glad I picked this book up and leisurely read it on the train and plane.
January 14, 2023
Wow, I found myself widowed at 60 and I had no idea ho to budget, pay bills, taxes etc. After reading this book I now have a handle on my expeensives
I have tried to find the author on line to thank her but to no avail.
This is a must read for everyone. This book should be brought into the high schools and taught.
Thank you for a wonderful book
I have tried to find the author on line to thank her but to no avail.
This is a must read for everyone. This book should be brought into the high schools and taught.
Thank you for a wonderful book
May 7, 2017
technically nonfiction but seems like fiction. diary style.
February 6, 2019
This read more like a novel rather than a non fiction book. It didn’t contain much in the way of financial advice, and she could have made some wiser choices with her money
March 1, 2011
The Frugalista Files is the real-life diary of a journalist who is way in debt. Like $20,000 between credit cards and car payments and student loans. Who hasn’t been there? Well, maybe not that much, but most of us can relate.
Natalie decided to nip her debt in the bud. She decided to quit spending and start saving. Her goal was a month and she was documenting it on a blog, through her newspaper’s website. And it took off like a wild fire. What started as an online spending diary ended up getting hers gigs on CNN and even a book deal (obviously).
This book follows Natalie as she saves money and learns that you don’t have to spend, spend, spend to have a nice, happy, and fashionable life.
Every now and then, I will find a non-fiction book that I can get into and relate to. I think that this being my first book of 2011 was a good choice because it immediately made me want to start saving better. I get pretty paranoid about my bank account and hate spending money. This past year, the hubs and I had a few things that we needed to buy and dug into savings to do it. We had more than enough money in there, but now that the holidays are over, it’s time to start paying money back.
I was able to relate very well to Natalie in this story. For the fact that we are both journalists primarily. If you are in the journalism field, you know this. If you are thinking of going into journalism, listen up: YOU ARE NOT GOING TO BE RICH. Enough said
I really admired Natalie for becoming so strict with her spending habits. I feel like I have always been good with money. When my parents were married, they had a more than decent income. But when they got divorced, I really started learning about money. And now that I am married, I know what to do with it. But, I was one of those funny kids who would go on vacation with money from the rents and only spend like $50 the whole time. I went to Europe and came home with 75% of the cash I took. I kind of wish I would have bought a few more knick knacks, but it appears I will be going again here in a few years and can get what I didn’t in the first place. Back to Natalie, it was nice to see how much skimping on the unnecessary can be so beneficial to your wallet and your bank account. At the beginning of each chapter, she put her current debt. It was awesome to see it shrink by the thousands.
I also admired Natalie’s courage in leaving her job to freelance and work on her Frugalista image. I doubt you are going to find a blogger who wouldn’t love to do that.
Now, before I wrap up, I have my own Frugalista tip, that was handed down to me from my dad. When it comes to student loans, here’s what I did and it’s working wonderfully for me. I was lucky to graduate on a Saturday and start my first full-time job on the following Monday. Since I had 6 months until I needed to start paying on my student loans, I went ahead and started saving. I made a new bank account and set up for $100 to be taken out of every paycheck to be put into that account. If I had any leftover money at the end of the pay period, that would go into that account to. So, I was putting at least $200 a month into this account and about $280 is what is being taken out. But, since I started so early, I now have a pretty nice pad in there that I will never have to worry about. The money automatically goes in and I have it also automatically going out. It is going to be a long while, but I can’t wait for the day that the loans are paid off and I have that nice chunk of change ready to go back into circulation.
I give The Frugalista Files 5bookmarks and recommend it for women of any age. It’s good for those who are in debt, to show that it is possible to dig yourself out. It’s also a great read for young women, or men if they can handle a little frugalista, so they can hear from a spending pro that the debt really isn’t worth it.
Natalie decided to nip her debt in the bud. She decided to quit spending and start saving. Her goal was a month and she was documenting it on a blog, through her newspaper’s website. And it took off like a wild fire. What started as an online spending diary ended up getting hers gigs on CNN and even a book deal (obviously).
This book follows Natalie as she saves money and learns that you don’t have to spend, spend, spend to have a nice, happy, and fashionable life.
Every now and then, I will find a non-fiction book that I can get into and relate to. I think that this being my first book of 2011 was a good choice because it immediately made me want to start saving better. I get pretty paranoid about my bank account and hate spending money. This past year, the hubs and I had a few things that we needed to buy and dug into savings to do it. We had more than enough money in there, but now that the holidays are over, it’s time to start paying money back.
I was able to relate very well to Natalie in this story. For the fact that we are both journalists primarily. If you are in the journalism field, you know this. If you are thinking of going into journalism, listen up: YOU ARE NOT GOING TO BE RICH. Enough said
I really admired Natalie for becoming so strict with her spending habits. I feel like I have always been good with money. When my parents were married, they had a more than decent income. But when they got divorced, I really started learning about money. And now that I am married, I know what to do with it. But, I was one of those funny kids who would go on vacation with money from the rents and only spend like $50 the whole time. I went to Europe and came home with 75% of the cash I took. I kind of wish I would have bought a few more knick knacks, but it appears I will be going again here in a few years and can get what I didn’t in the first place. Back to Natalie, it was nice to see how much skimping on the unnecessary can be so beneficial to your wallet and your bank account. At the beginning of each chapter, she put her current debt. It was awesome to see it shrink by the thousands.
I also admired Natalie’s courage in leaving her job to freelance and work on her Frugalista image. I doubt you are going to find a blogger who wouldn’t love to do that.
Now, before I wrap up, I have my own Frugalista tip, that was handed down to me from my dad. When it comes to student loans, here’s what I did and it’s working wonderfully for me. I was lucky to graduate on a Saturday and start my first full-time job on the following Monday. Since I had 6 months until I needed to start paying on my student loans, I went ahead and started saving. I made a new bank account and set up for $100 to be taken out of every paycheck to be put into that account. If I had any leftover money at the end of the pay period, that would go into that account to. So, I was putting at least $200 a month into this account and about $280 is what is being taken out. But, since I started so early, I now have a pretty nice pad in there that I will never have to worry about. The money automatically goes in and I have it also automatically going out. It is going to be a long while, but I can’t wait for the day that the loans are paid off and I have that nice chunk of change ready to go back into circulation.
I give The Frugalista Files 5bookmarks and recommend it for women of any age. It’s good for those who are in debt, to show that it is possible to dig yourself out. It’s also a great read for young women, or men if they can handle a little frugalista, so they can hear from a spending pro that the debt really isn’t worth it.
January 12, 2012
Very quick and easy read. The only people I'd recommend this book to are young people who just start working (or being on their own) to help them realize the pain off paying of debt. It's easier to stay out of debt than it is to get out of it.
At this point in my life, I'm a full blown frugalista and have been most of my life. There were a few years of overspending, but that overspending has been good to me now as I'm in year long no-buy modes.
Unlike Natalie, I choose to put travel on my priority list. I do get some help from super wonderful boyfriend, but I've managed to cut the rest of my spending down to its core.
Utilities: I called each of them to ask for a lower rate. All helped me do so. I did have to cut most of my channels from cable, but I wasn't watching them at all. I keep my heat down quite low in the winter.... 17C, most of the time, and the air conditioner rarely comes on in the summer since I turn it to 27 or 28C. I've unplugged nearly everything in my house which has dramatically brought down my hydro bill. I put everything on power bars that I can shut off when I'm not using the item... like TV, stereo, microwave, kettle, blender, chargers... just about everything! I negotiated a lower price for my cell phone and never go over, especially when traveling.
Books, CDs, DVDs: I get some stuff from the library and look for sales on the other stuff. I get $4 audio books when they're on sale at audible.com, I get kindle books when they are $9 or less, and I borrow the odd book from friends.
Car: I called around to get better insurance rates, keep my driving to a minimum, use a cheaper and better garage for maintenance, and now only use the 407 on occasion... not daily.
Clothes: Like Natalie, I have plenty. I can shop my closet and come up with very interesting outfits that seem brand new.
Gifts: I do use gift money to buy necessities... like new boots... but only when they are super discounted.
Selling stuff: My house is full, full, full. I'm going through my stuff regularly and selling what I can sell. I'm teaching this habit to Kevin as well so he can boost up his computer fund.
Banking: I make sure that I'm getting the lowest interest rate I can on my mortgage and accounts with the lowest fees. I signed up for a money market account and was rewarded $150 by the bank for keeping it going. I changed my credit card to one that gives me cash-back. I can't believe how fast this builds up. Unlike Natalie, I've never carried a credit card balance, so I charge everything and pay it off when due. The benefit to me is the credit card rewards.
Savings: Somehow I got into the saving habit at the same time as I started making an income. I maximize my RSP, TFSA, RESP, and will do so forever. This is my main priority. Groceries, gas in my car, clothes, all take a back seat to savings.
Groceries: Speaking of groceries... I won't starve... but I try to buy in bulk when I can but make sure I do use what I buy. I make my own lunches and take home doggy bags when I eat at restaurants. I make my dinners from scratch now as well. Frozen dinners can be cheap, but aren't nearly as tasty or healthy.
Budget: I track every penny I spend. Sounds boring, but it isn't hard and it is hard to know where your money is going if you don't. I always wonder about all the people I see in line at Timmy's or Starbucks. I certainly can't afford to spend my money on drinks, especially when they're offered free at work.
So, maybe it was worth reading the book. It can get you thinking about your priorities, and the well known saying "it's not what you make, it's what you spend".
At this point in my life, I'm a full blown frugalista and have been most of my life. There were a few years of overspending, but that overspending has been good to me now as I'm in year long no-buy modes.
Unlike Natalie, I choose to put travel on my priority list. I do get some help from super wonderful boyfriend, but I've managed to cut the rest of my spending down to its core.
Utilities: I called each of them to ask for a lower rate. All helped me do so. I did have to cut most of my channels from cable, but I wasn't watching them at all. I keep my heat down quite low in the winter.... 17C, most of the time, and the air conditioner rarely comes on in the summer since I turn it to 27 or 28C. I've unplugged nearly everything in my house which has dramatically brought down my hydro bill. I put everything on power bars that I can shut off when I'm not using the item... like TV, stereo, microwave, kettle, blender, chargers... just about everything! I negotiated a lower price for my cell phone and never go over, especially when traveling.
Books, CDs, DVDs: I get some stuff from the library and look for sales on the other stuff. I get $4 audio books when they're on sale at audible.com, I get kindle books when they are $9 or less, and I borrow the odd book from friends.
Car: I called around to get better insurance rates, keep my driving to a minimum, use a cheaper and better garage for maintenance, and now only use the 407 on occasion... not daily.
Clothes: Like Natalie, I have plenty. I can shop my closet and come up with very interesting outfits that seem brand new.
Gifts: I do use gift money to buy necessities... like new boots... but only when they are super discounted.
Selling stuff: My house is full, full, full. I'm going through my stuff regularly and selling what I can sell. I'm teaching this habit to Kevin as well so he can boost up his computer fund.
Banking: I make sure that I'm getting the lowest interest rate I can on my mortgage and accounts with the lowest fees. I signed up for a money market account and was rewarded $150 by the bank for keeping it going. I changed my credit card to one that gives me cash-back. I can't believe how fast this builds up. Unlike Natalie, I've never carried a credit card balance, so I charge everything and pay it off when due. The benefit to me is the credit card rewards.
Savings: Somehow I got into the saving habit at the same time as I started making an income. I maximize my RSP, TFSA, RESP, and will do so forever. This is my main priority. Groceries, gas in my car, clothes, all take a back seat to savings.
Groceries: Speaking of groceries... I won't starve... but I try to buy in bulk when I can but make sure I do use what I buy. I make my own lunches and take home doggy bags when I eat at restaurants. I make my dinners from scratch now as well. Frozen dinners can be cheap, but aren't nearly as tasty or healthy.
Budget: I track every penny I spend. Sounds boring, but it isn't hard and it is hard to know where your money is going if you don't. I always wonder about all the people I see in line at Timmy's or Starbucks. I certainly can't afford to spend my money on drinks, especially when they're offered free at work.
So, maybe it was worth reading the book. It can get you thinking about your priorities, and the well known saying "it's not what you make, it's what you spend".
September 1, 2011
Natalie McNeal opened her bills in January 2008 to find that she was a staggering five figures—$20,000!—in debt. Young, hip and gainfully (if Dilbert-ly) employed, Natalie loved her lifestyle of regular mani/pedis, daily takeout and nights on the town, but clearly something had to give. And so The Frugalista Files was born. Through her blog, Natalie confessed her spending habits to the world—and it turns out she wasn't the only one having trouble balancing the budget! From the drastic "no-buy" month that kicked it all off to the career gamble that threatened to put her deeper in the hole, The Frugalista Files shares Natalie's personal and professional transformation from cubicle rat to take-charge career girl. It is possible to get ahead without giving up on the fabulous life. This is personal finance in peep-toe pumps—the empowering true story of one woman's personal and professional transformation and your ultimate guide to living the Frugalista lifestyle, too.
I received a copy of The Frugalista Files back in January however it’s taken me this long to read the entire book. This isn’t because the book is written badly nor is it because I didn’t enjoy it. Truthfully it’s because The Frugalista Files isn’t written how I expected it to be written and when I first started reading I just couldn’t connect with the way it was written because it’s been a while since I read a book like The Frugalista Files. The Frugalista Files is written in short journal like snippets with Natalie’s finances at the start of every month so you can see how much she has reduced her debt by. However my second time reading it I read the entire book in one sitting and really enjoyed it. The Frugalista Files is not a how to nor is it a solid guide how you can personally reduce your debt. It is one woman’s struggles to reduce her spending and look at the way she spends her money and how she can get rid of her bad debt. Natalie is working for a newspaper and ends up making a blog about her debt and ends up creating frugal February for the month of February she isn’t going to spend any money other than paying her bills and this is what really kicks off The Frugalista Files in my opinion (as I heard a lot about Frugal February around the blogosphere this year myself!) Natalie see’s how much money she’s actually saved not spending that she really decides to change her lifestyle, which I really admire. However, no matter how much I liked The Frugalista Files I had several problems with it, the main one being how my lifestyle was so different to hers I couldn’t totally understand her relationship with money and how she had gotten into so much debt. I know it’s written down about the way her family was with money and then what had gotten her into debt but some of the things just boggled my mind that I had to wonder if this was an American way of living?! Partly because several years ago I had bought and read Save Karen which I greatly enjoyed and found interesting and found The Frugalista Files to be rather similar.
Favourite Quote:
“Someone always wants my money.”
Overall I really enjoyed The Frugalista Files and reading how Natalie managed to reduce her debt and still be happy and do the things she wanted to do. It is a very awe-inspiring book. For any reader who wants to know how to slowly manage their debt.
I received a copy of The Frugalista Files back in January however it’s taken me this long to read the entire book. This isn’t because the book is written badly nor is it because I didn’t enjoy it. Truthfully it’s because The Frugalista Files isn’t written how I expected it to be written and when I first started reading I just couldn’t connect with the way it was written because it’s been a while since I read a book like The Frugalista Files. The Frugalista Files is written in short journal like snippets with Natalie’s finances at the start of every month so you can see how much she has reduced her debt by. However my second time reading it I read the entire book in one sitting and really enjoyed it. The Frugalista Files is not a how to nor is it a solid guide how you can personally reduce your debt. It is one woman’s struggles to reduce her spending and look at the way she spends her money and how she can get rid of her bad debt. Natalie is working for a newspaper and ends up making a blog about her debt and ends up creating frugal February for the month of February she isn’t going to spend any money other than paying her bills and this is what really kicks off The Frugalista Files in my opinion (as I heard a lot about Frugal February around the blogosphere this year myself!) Natalie see’s how much money she’s actually saved not spending that she really decides to change her lifestyle, which I really admire. However, no matter how much I liked The Frugalista Files I had several problems with it, the main one being how my lifestyle was so different to hers I couldn’t totally understand her relationship with money and how she had gotten into so much debt. I know it’s written down about the way her family was with money and then what had gotten her into debt but some of the things just boggled my mind that I had to wonder if this was an American way of living?! Partly because several years ago I had bought and read Save Karen which I greatly enjoyed and found interesting and found The Frugalista Files to be rather similar.
Favourite Quote:
“Someone always wants my money.”
Overall I really enjoyed The Frugalista Files and reading how Natalie managed to reduce her debt and still be happy and do the things she wanted to do. It is a very awe-inspiring book. For any reader who wants to know how to slowly manage their debt.
January 7, 2011
Given the current state of the economy, Natalie McNeal's The Frugalista Files is a timely book. Who hasn't struggled with debt and strived to pay it down? Who hasn't worried about employment and the balance of their savings account?
In 2008 McNeal found herself over thirty and gainfully employed . . . yet worried about her professional future, with a mountain of debts and an undersized savings account. What's a single gal to do but start budgeting and blogging!
The Frugalista Files is organized in journal (or blog) entry form. Each chapter is a month during 2008, which starts off with McNeal's total debts (car loan, credit cards, student loan, etc.) As you read through the book you will notice her debt slowing coming down, a rewarding feeling even for this reader, much less the ecstatic McNeal.
I appreciated the way each month was broken down, with the highlights and lowlights - - ranging from unexpected expenses to sitting out on parties to the breakup of her relationship with "Mr. X" to the death of a close friend. Through it all, McNeal's realistic and down to earth voice and personality emerges.
By the same token, I found McNeal, at times, a little too down to earth, what with her "giiiiiiiiirlfriends" and "homeys" and "kicking it". Maybe it's a sign of my age but it made me feel that McNeal sounded less professional, less a mature, capable woman of over thirty and more like a a high schooler.
Did McNeal educate me in any way about saving that I didn't already know? Honestly, no. I was already aware that it's necessary to cut back on eating out, going out and unnecessary purchases (like new blouses, shoes, manicures, etc.). In that regard, The Frugalista Files is somewhat of a disappointment. If you're looking for a step by step instruction of how to get on track financially you will quickly note that Suze Orman Natalie McNeal isn't - - but McNeal's breezy, casual writing style makes this a rewarding, if not educational, read.
If you'd like to read about how one woman turned a hobby about a life choice into a career, and how she learned to love to budget, The Frugalista Files is for you.
In 2008 McNeal found herself over thirty and gainfully employed . . . yet worried about her professional future, with a mountain of debts and an undersized savings account. What's a single gal to do but start budgeting and blogging!
The Frugalista Files is organized in journal (or blog) entry form. Each chapter is a month during 2008, which starts off with McNeal's total debts (car loan, credit cards, student loan, etc.) As you read through the book you will notice her debt slowing coming down, a rewarding feeling even for this reader, much less the ecstatic McNeal.
I appreciated the way each month was broken down, with the highlights and lowlights - - ranging from unexpected expenses to sitting out on parties to the breakup of her relationship with "Mr. X" to the death of a close friend. Through it all, McNeal's realistic and down to earth voice and personality emerges.
By the same token, I found McNeal, at times, a little too down to earth, what with her "giiiiiiiiirlfriends" and "homeys" and "kicking it". Maybe it's a sign of my age but it made me feel that McNeal sounded less professional, less a mature, capable woman of over thirty and more like a a high schooler.
Did McNeal educate me in any way about saving that I didn't already know? Honestly, no. I was already aware that it's necessary to cut back on eating out, going out and unnecessary purchases (like new blouses, shoes, manicures, etc.). In that regard, The Frugalista Files is somewhat of a disappointment. If you're looking for a step by step instruction of how to get on track financially you will quickly note that Suze Orman Natalie McNeal isn't - - but McNeal's breezy, casual writing style makes this a rewarding, if not educational, read.
If you'd like to read about how one woman turned a hobby about a life choice into a career, and how she learned to love to budget, The Frugalista Files is for you.
February 24, 2017
Meh, she complained a lot about having no money but was surprised that it made a difference once she stopped going out to eat every night, getting hair & nails done all the time ect... I didn't finish it.
July 5, 2012
I read this title because my co-worker Nicole gave it a good review and I am always interested in tips for frugality. :)
The author's lifestyle doesn't quite match up with mine, I am a married mother of 4 daughters, part time employee, etc...I might get a mani-pedi or just plain pedi 3 x's a year...usually for a birthday treat or other special occasion. Her extravagances are not mine but she did have great advice that any woman single, married, parent or non-parent can follow. Here are the tidbits I enjoyed most:
Page 121 under September 13 entry:
"...my advice is to spend less than you earn and stop prostituting your paycheck."
Page 149 under November 3 entry:
"I keep reminding myself of my favorite line of his song "Champion: For me giving up's way harder than trying."
Page 166 under December 10 entry:
"I've learned the hard way: don't buy something just because it's on sale...Frugalista tip: It's all about buying what you need, not what you want or think you want."
Page 179 under Epilogue:
"I picked one bill a month to pay off. I paid off my credit cards first. Then my car. and then my student loan...So, the moral of this story: work smarter, harder and never be afraid to take an educated risk. It pays off."
I liked the journal entry format of the book. The author's authentic voice came through and I felt a connection to her right away. She is every woman just trying to build a good life with which she is satisfied and content while still having fun.
A good read and I recommend it to anyone searching for some real life examples of how to take control of their financial life...no magic pill...just good old determination, grit and spine.
The author's lifestyle doesn't quite match up with mine, I am a married mother of 4 daughters, part time employee, etc...I might get a mani-pedi or just plain pedi 3 x's a year...usually for a birthday treat or other special occasion. Her extravagances are not mine but she did have great advice that any woman single, married, parent or non-parent can follow. Here are the tidbits I enjoyed most:
Page 121 under September 13 entry:
"...my advice is to spend less than you earn and stop prostituting your paycheck."
Page 149 under November 3 entry:
"I keep reminding myself of my favorite line of his song "Champion: For me giving up's way harder than trying."
Page 166 under December 10 entry:
"I've learned the hard way: don't buy something just because it's on sale...Frugalista tip: It's all about buying what you need, not what you want or think you want."
Page 179 under Epilogue:
"I picked one bill a month to pay off. I paid off my credit cards first. Then my car. and then my student loan...So, the moral of this story: work smarter, harder and never be afraid to take an educated risk. It pays off."
I liked the journal entry format of the book. The author's authentic voice came through and I felt a connection to her right away. She is every woman just trying to build a good life with which she is satisfied and content while still having fun.
A good read and I recommend it to anyone searching for some real life examples of how to take control of their financial life...no magic pill...just good old determination, grit and spine.
January 24, 2011
I found "The Frugalista Files" inspiring and an on-time publication. McNeal's story is not unique, but it is interesting and may provide readers with the push necessary to get on the right track and change their spending plans. I got a handful of great tips from McNeal, I didn't find the book as insightful a I expected, but McNeal is in the learning stages of personal finance & I am, too, so I felt that I was at the right place for learning.
This is a great, quick & informative read to pick up for the new year - many people (myself included) resolve to lower their spending in the new year & I think "The Frugalista Files" is a great jumpstarter that can put you in the right direction.
I look forward to other personal finance books from McNeal (hopefully one is in the works)...specifically a book that is more about investing or goes more into detail about entrepreneurial ventures - I feel like she brushed over these topics in this book.
Finally, I must admit this was more of a memoir and less of a personal finance book. It was supposed to be in the personal finance section at Borders, for example, but it was not there -- and for good reason. There just isn't enough material in this book to help anyone get out of debt. Spending less, and applying extra funds to debts is only one way to get out of the debt trap. This book really chronicles McNeal's experience getting out of debt, which just isn't enough to warrant that little "Personal Finance" byline on the back of the book.
This is a great, quick & informative read to pick up for the new year - many people (myself included) resolve to lower their spending in the new year & I think "The Frugalista Files" is a great jumpstarter that can put you in the right direction.
I look forward to other personal finance books from McNeal (hopefully one is in the works)...specifically a book that is more about investing or goes more into detail about entrepreneurial ventures - I feel like she brushed over these topics in this book.
Finally, I must admit this was more of a memoir and less of a personal finance book. It was supposed to be in the personal finance section at Borders, for example, but it was not there -- and for good reason. There just isn't enough material in this book to help anyone get out of debt. Spending less, and applying extra funds to debts is only one way to get out of the debt trap. This book really chronicles McNeal's experience getting out of debt, which just isn't enough to warrant that little "Personal Finance" byline on the back of the book.
February 5, 2011
My thoughts:
Since being frugal is very in right now, I think this is the perfect time for a book like this. She shows us the lighter side of being thrifty, while still managing to look and feel great!
This was a really quick fun read! It reads like a diary. I can see where some people would be put off by the informal writing style. There are lots of "Lol" 's and "haha" 's interspersed throught the dialogue. I almost felt like I had stumbled across someone's blog archives. The chapters are divided into months so you get a little peak into her finances at the beginning of each month which I really enjoyed.
If you are looking for a "How-to" guide, this is definitely not it. This book is more of a lighter look (reads like fiction) at budgeting and being frugal. The only tips I gleaned from this book were: having a no-spend month, cutting back on excessive nail/hair appts (no-brainer), limiting yourself at bars/restaurants and shopping from your closet (I ALWAYS need a reminder for that one). Although it's not a definitive guide, it is inspirational that she managed to dig herself out of such severe debt and ultimately embark on the career that is best for her. I feel like this book should be labeled more of a memoir than a guide.
Judge a Book By It's Cover: The cover is super cute! Love the pink "leather" look to the book. Definitely made me want to pick it up!
3 Stars!
Since being frugal is very in right now, I think this is the perfect time for a book like this. She shows us the lighter side of being thrifty, while still managing to look and feel great!
This was a really quick fun read! It reads like a diary. I can see where some people would be put off by the informal writing style. There are lots of "Lol" 's and "haha" 's interspersed throught the dialogue. I almost felt like I had stumbled across someone's blog archives. The chapters are divided into months so you get a little peak into her finances at the beginning of each month which I really enjoyed.
If you are looking for a "How-to" guide, this is definitely not it. This book is more of a lighter look (reads like fiction) at budgeting and being frugal. The only tips I gleaned from this book were: having a no-spend month, cutting back on excessive nail/hair appts (no-brainer), limiting yourself at bars/restaurants and shopping from your closet (I ALWAYS need a reminder for that one). Although it's not a definitive guide, it is inspirational that she managed to dig herself out of such severe debt and ultimately embark on the career that is best for her. I feel like this book should be labeled more of a memoir than a guide.
Judge a Book By It's Cover: The cover is super cute! Love the pink "leather" look to the book. Definitely made me want to pick it up!
3 Stars!
June 8, 2011
This book couldn't have come my way at a better time. After my resolution to live frugally in 2011 I certainly saw it as a sign having the opportunity to read The Frugalista Files which promised to be a real-to-life Becky Bloomwood kind of read.
In diary-style entries Natalie McNeal writes in a both witty and open manner about how her personal need of a frugal lifestyle – due to being buried under loans and CC debt despite a steady income – developed from a one-month project at the newspaper she worked for, into her very own website over the course of a year.
While it has been an enjoyable, in places even delightful read, I'd like to point out that the emphasis here isn't so much on the frugal lifestyle as it is on the author's brainchild “The Frugalista Blog”. You could say that this book is more about Natalie finding her place career wise than about reducing her debt. Obviously there will be talk about just that and the odd tip on how to safe money too. But fear not, because all you need to do now is head over to thefrugalista.com for some up-to-the minute frugal insider tips!
In short: Not quite what I expected, this is overall a good read that makes you reconsider your spending habits and lets you catch a glimpse into the newspaper industry too.
In diary-style entries Natalie McNeal writes in a both witty and open manner about how her personal need of a frugal lifestyle – due to being buried under loans and CC debt despite a steady income – developed from a one-month project at the newspaper she worked for, into her very own website over the course of a year.
While it has been an enjoyable, in places even delightful read, I'd like to point out that the emphasis here isn't so much on the frugal lifestyle as it is on the author's brainchild “The Frugalista Blog”. You could say that this book is more about Natalie finding her place career wise than about reducing her debt. Obviously there will be talk about just that and the odd tip on how to safe money too. But fear not, because all you need to do now is head over to thefrugalista.com for some up-to-the minute frugal insider tips!
In short: Not quite what I expected, this is overall a good read that makes you reconsider your spending habits and lets you catch a glimpse into the newspaper industry too.
February 27, 2011
After chatting with the author on Twitter, @frugalista, I finally bought the e-book for my iPad. Ironically, reading this book coincided with a goal of mine to get out of debt and take more control over my money. Perhaps, the underlying motivation is that I am in my last year of my 20s or that I am going through a divorce. Either way, this book was right on point. The most intriguing and useful tip that I will be implementing is the "No Spend Month." Next month, March 2011, will be my "No Spend Month." Some people have already said that they couldn't do it, especially since it is the month of Spring Break, but I am optimistic about my ability to control my spending and still enjoy my spring break. After unsuccessful attempts of soliciting friends to join me, I am on my own. Yet, I am encouraged to do it. Not only does this book includes tips about living within your means, there is any underlying message: Using what you have and turning what you know to do into a passionate career. This book has truly motivated me to what I want in life: a passionate career to live a fulfilled life. I would definitely recommend this book. I enjoyed reading it. I have even checked out her blog.
December 27, 2010
A hit and a miss with me. I enjoyed the month by month recap of the unexpected and expected financial happenings that occur in a year, but I didn't learn many tactical pointers because I believe that I have already cut the crazy spending habits of years past.
The first things she cut were her excessive hair and nail appointments. Welp, those have never been on my list, so can't cut there. She then boasted about grocery shopping and learning to cook at home - I live with a former catering chef, we eat from our kitchen 90% of the time and I like it that way!! Finally, she talked about cutting the wardrobe down and "shopping" from your closet. Check - I already do that. I have a list of things that I am on the hunt for, but I believe my wardrobe is mostly built and I am just buying fun pieces here and there to add to it.
So, if you are in desperate need of some financial coaching or need to hear a success story - this is a great one to grab. But if you are already on the path of debt reduction and savings you could skip this one.
The first things she cut were her excessive hair and nail appointments. Welp, those have never been on my list, so can't cut there. She then boasted about grocery shopping and learning to cook at home - I live with a former catering chef, we eat from our kitchen 90% of the time and I like it that way!! Finally, she talked about cutting the wardrobe down and "shopping" from your closet. Check - I already do that. I have a list of things that I am on the hunt for, but I believe my wardrobe is mostly built and I am just buying fun pieces here and there to add to it.
So, if you are in desperate need of some financial coaching or need to hear a success story - this is a great one to grab. But if you are already on the path of debt reduction and savings you could skip this one.
November 28, 2013
Lately, I've been trying to read books while on the elliptical that are geared toward health or well-being. Financial well-being counts so when a friend passed along this slender little book, I opened it up. The principle is as simple as it gets -- don't buy things you don't need. But the author was irritating for a couple reasons. For one, this simply isn't a book. It appears to be a journal kept over the first year that she had her blog. It's irritating in tone, has no narrative arc, and the only character development is both repetitive and felt forced. If she didn't really write this series of journal entries but actually created a book this way intentionally, I'm even more disappointed. Another thing that irritated me about the narrator is that part of her way of saving money was letting her friends pay for everything. Not exactly cool! Anyway, this was a quick and harmless read on a worthwhile topic but I wouldn't waste your time.
January 19, 2011
I started this book in a fourteen hour plane ride (that ended up being sixteen hours), not the ideal circumstances for starting a book, your focus is fractured and everywhere on an airplane, just not good, at least for me. This book did an excellent job of keeping me focused, I read about three quarters of it on the plane. This is one of those books that inspires you, makes you want to do better, be better. As I was reading I was thinking about what I do that could be different or change.
My only complaint for this book was the complete lack of pseudo-structure. The book is written sort of diary entry like but I need a solid beginning, middle, and end. The book was sort of just one speed, pace, and feel. That just threw me off.
I enjoy the author's perspective and I hope she writes more novels in the future. I will be waiting.
My only complaint for this book was the complete lack of pseudo-structure. The book is written sort of diary entry like but I need a solid beginning, middle, and end. The book was sort of just one speed, pace, and feel. That just threw me off.
I enjoy the author's perspective and I hope she writes more novels in the future. I will be waiting.
July 14, 2011
I don't even know where to begin with this book. It was really funny about a serious matter which was a good thing. You have to be able to step back and see the truth with a bit of joviality while also continuing to come up with a solution. She definitely put her plan into action and kept working it. Which shows that hard work does pay off even while being fabulous. I enjoyed the book quite a bit. I do wish however, even though I know that wasn't the true focus of the book, that the author would have shared a little bit more of the financial information and some of the actual things she did...she hinted at them but she didn't give us details. Which serves to make her book different but that also weakens the book for me. Guess I'll have to get my financial advice from someone else (Suze) and my laughs from the Frugalista.
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August 17, 2012Scary! But since people comment a lot about my buying and purchasing and spending and shopping...just in case kinda book cos I'm that independent girl you would find realy hard to find in a compromising situation unless she created it in the first place, not often but sometimes I need help too and ostly I don't so I don't like meddlesome old uncles and aunts and I also hate being in debt. And I loathe being poor or poorly , wow I found a lot of things I hate and can talk about in ice breaker sessions at work , yeah like really who cares shrug!! :)
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In case you wanna read it too, here's what you can look forward to:
The creator of Frugalista.com and an award-winning journalist shares how she got herself out of $20,000 worth of debt without giving up her fabulous lifestyle. Original.
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In case you wanna read it too, here's what you can look forward to:
The creator of Frugalista.com and an award-winning journalist shares how she got herself out of $20,000 worth of debt without giving up her fabulous lifestyle. Original.
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