Everyone wants to hear about a hack that will save them thousands a month. But there are very, very few suggestions like that out there.

If you want to cut your expenses, there are almost endless ways to do so. The problem is the small things seem so small and inconsequential that most people think it’s not worth their time and effort.

The truth is the little details add up and add up and add up. I can think of so many small things I do, and each one by itself doesn’t seem like it matters, but my ability to save as much as I do is a result of these small things combined.

I love frugality. I think it’s an incredible tool and for me it’s been expansive and empowering. It’s so unfortunate when people look at frugality as deprivation and doing without. That’s not what it’s meant to be and I understand the avoidance a person may feel if that’s what they think it’s going to be for them.

Frugality is about knowing what you want and spending your money on what matters most to you, so you can have the quality of life that you desire.

For example, for us it was really important that I stay home with our children, and I’ve been home full-time for the last 28 years even when we’ve had a very modest income. Many people will tell you that you need two incomes to make it, especially with a large family. Frugality made it possible for us to have the luxury of a big family, avoid debt and have a rich quality of life.

Your money is like a leaky faucet. Those little drips of water seem like a small amount, but they will run up your water bill quite a bit! And if you save those little bits of leaking money, over time they add up to a nice amount.

We were working with a small budget and a large family for a long time and as the years have gone by, our income has gradually gone up and our resources have grown. It’s been like a slow moving snowball that picks up more and more speed as it continues downhill. I wouldn’t be where I am now without all of those small, consistent steps, day after day, year after year.

Consistent small actions will lead to big results. I couldn’t have imagined a few years ago that we would have been able to pay off as much of our mortgage as we have – I mentioned how much we have left to one of my married sons last night and he was taken aback by how small the amount was – but we kept putting extra towards the principal and it’s been exciting and almost magical to see the loan amount and loan length melting away.

I’m going to write about different frugal suggestions and tips, and encourage you to think about what you can apply to your own lives. Everything won’t be for everyone but don’t make the mistake of dismissing the suggestions as not being big enough to make a difference. They absolutely will add up. As the saying goes, “Look after the pennies and the pounds will look after themselves.”

Avivah