I wasn’t always very frugal, and I was a spendthrift a few years ago. I know it’s horrible, but I wanted to be at home with my son, so I had to change. It was easier for my husband since he grew up frugal. I learned a lot of my skills from his family. The first thing we did was to consolidate debt to make one payment per month. That was only one small part of the change.
There are thousands of little ways to save money. Turning off lights when you aren’t in that room. I clip coupons and combine them with sales and rebates. I switched to store brands on most of the things we eat or use like toilet paper. I also do many other small things to save money. These little small changes will add up to much bigger savings in time. You have to start slowly if you want to it to be a permanent change.
If you are living paycheck to paycheck then debt consolidation is a great way to free up extra money for debt relief. BillsIQ is a great online site that has many tools and articles. Everyone that needs debt help should check out this great site.