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Simple Living

A lot of people who choose to live frugally are engaged in a practice commonly known as voluntary simplicity. These people believe that life should not be about the acquisition of material goods. Instead, these people aim to live a high-quality life comprised of doing things that they enjoy with people that they love. Being frugal assists them in living this way. It helps them avoid getting sucked into the repetitive cycle of ongoing material consumption. It also helps them to reduce the amount of money that they need which reduces the amount of time that they have to spend working. This frees up their time to do the things that are important to them. The philosophy of frugal living for these people is that living frugally allows them to live the simple lifestyle that they believe is important.

Green Living

A lot of people today are trying to live a green lifestyle. This can go hand-in-hand with frugal living. Many of the things that people do to be green are things that naturally allow them to save money. Walking to work instead of driving, reducing the waste of water and energy in the home and making sure to re-use items instead of buying new ones are all examples of green habits that are also frugal habits. Many people adopt a green living philosophy and it leads them towards living a frugal life. The core philosophy for this type of frugal person is that it is important to live frugally in order to reduce waste and to live in harmony with the environment.

DIY Lifestyle

The DIY lifestyle is one in which people believe that it is better to make as many things by hand as possible rather than buying them from stores. This includes making meals by hand (and possibly growing their own gardens). It also includes making household items (cleaners, candles, clothing, etc.) by hand. The DIY lifestyle has strong ties to simple living. The difference is that these individuals aren’t so interested in reducing their quantity of material goods as they are on reducing their dependence on getting consumer goods from mainstream outlets. The DIY lifestyle also has many similarities to the green lifestyle since it tends to involve reducing waste in a number of ways. People who live a DIY lifestyle tend to live a frugal lifestyle. They often work in craft-related businesses that they don’t derive a lot of income from but which give them enough money to live off of if they live frugally. The basic philosophy of this lifestyle is that frugal living is a necessary way to live a make-it-yourself way of life.

Spiritual Frugality

There are a lot of people who opt to live a frugal lifestyle for spiritual reasons. This spirituality can take on many forms. Some of those people are part of a traditional church that believes in living frugally. The Quakers, the Amish community and some types of Buddhism are all examples of modern religions that support living a frugal lifestyle. Other people may not be part of a formal religious group but may nonetheless feel that their spirituality is hindered by consumerism and the “rat race”. These people may embrace a frugal lifestyle in order to live a simpler life which allows more time for meditation or prayer.

Frugal from Necessity

Not all people who are frugal actually choose to be that way. There are also some people involved in what has become known as “frugality from necessity” or “involuntary frugality”. In other words, these are people who simply don’t have extra money to spend. They also don’t have access to loans and credit cards so they can’t live lavishly beyond their means. These people have no other choice but to live frugally. Although some of these people would continue to make frugal choices if they did get money, most would prefer not to live frugally since it is a lifestyle that has been forced on them by their circumstances. For these people, the philosophy of frugality is that it is something to be endured rather than something to be embraced.

Accidentally Frugal

Finally, there are some people who seem to have a natural talent for living frugal lives. These are often creative people who don’t necessarily earn a lot of money. They find creative ways to get what they need in life which results in living a frugal lifestyle. For example, instead of throwing away a pickle jar when it’s done, they’ll naturally use it to make something. These people are not actively embracing a frugal lifestyle. They may not even be consciously aware of the fact that they are living frugally. Instead, these people are accidentally adopting traits from the various other types of frugal living and these traits combine to create a frugal life.

Those are the major types of frugality. There is certainly some overlap between these different types of frugal philosophies. Someone who lives a green lifestyle may also live a DIY lifestyle all in an effort to reduce waste and to live frugally.

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Roundup of Frugal Living Philosophies

Here are ten great methods of finding the money to start your own business:

1. Government Grants and Loans. One of the best ways to get money to start your own business is to get a loan. Many banks are not giving out loans right now to emerging businesses because the financial risk for them is too high. However, it may still be possible to get the loan that you need through your local government. In the United States, the Small Business Association has a great loan system set up that will assist you in getting the money that you might need to start a new business. It is harder to get this support in the UK but there are government grants available to certain types of businesses through the EU’s state aid program. It’s worth taking a look at this option.

2. Social Lending Programs. If you can’t find a loan through the government then you might want to think seriously about getting a loan through a social lending program (also known as a peer-to-peer lending program). These are programs through which private individuals make low-interest loans available to others without the involvement of an official bank. This has become increasingly popular with small business owners in recent years. Two popular sites to work on this through are Lending Club in the United States and Zopa in the UK.

3. Get an Angel Investor. This is a private individual (or a very small group of individual) who believes in your business plan and will back up that belief with money. This investor gives you startup money for the business. You may either return the investment with interest or offer a percentage of profits to the angel investor when the business takes off. Networking in your industry is the best way to find an Angel Investor.

4. Ask Mom and Dad. Loved ones are a great source of private loans. Many people have started businesses using the money that a family member was able to lend to them. If you have family members that can do this for you then it can be great. Make sure that you talk about the details ahead of time so that everyone knows about the risks involved in the personal loan.

5. Hold a Fundraiser Event. You may not have a single family member or friend who can give you a loan. However, you probably do have a large group of friends and family who can each contribute a little bit of startup money to your cause. A great way to get all of them to help you out is to hold a fundraiser event for your new business. A party where you accept donations, a silent auction where you sell your own artwork or even a big yard sale announcing that profits go to the business will all encourage people you know to spend their money with you. The best thing about a fundraiser is that it’s not a loan so you won’t owe money to anyone for their help in getting the business started!

6. Credit Cards or a Line of Credit. It is possible to take money off of your credit card to finance the start of a new business. This is highly risky and isn’t necessarily recommended as a first course of action. However, if you have a strong belief that your business can succeed then you may want to take the risk. Have a strong business plan, limit your startup spending to the absolute necessities and make sure that you have a back-up plan for paying off the credit card if your business fails.

7. Sell Everything you Can. Another choice for people who want to take a chance on themselves is to sell everything that they don’t absolutely need and to use that money to start their business. This may mean moving to a smaller home, selling your car and getting rid of all of your furniture. People who do this believe that they’ll earn enough from their new business to get the things back someday. Most of them turn out to be right.

8. Use Your Existing Job to Fund the New Job. It isn’t actually necessary to go whole hog when you start a new business. You can continue working full-time at your current job while launching your new business. As your new business grows and starts to earn money, you can reduce your hours at the old job and increase your hours at the new business. This allows you to use your existing income to fund the new job. If you engage in smart money-saving habits and frugal living during this time then this method of financing your new business is certainly do-able.

9. Start a ROSCA group. This is an idea that’s been used primarily in developing nations but it might be useful in America now that the economy and lending situation is so difficult. The way that a ROSCA group (or Rotating Savings and Credit Association) works is that you form a group of people who are committed to a long-term loan investment in one another. The group meets once per month for an entire year and contributes a small amount of money at each meeting. At the end of the year, a single member gets all of that money to help them start a business. Then you continue meeting the next year and the money goes to a different person. You commit to continuing with this until every single member has the money they need to start a business.

Of course, there are pros and cons to this system. Some people will have to wait a really long time to get their money. However, that might work out. For example, if you have someone in the group who recently had a baby and wants to be a stay-at-home mom then it might be ideal for her to not take her turn at starting a business until five or ten years down the road. Other issues to consider are the true level of commitment people will have to the group and how feasible it is for you to hold up your part of the bargain of donations over time.

10. Find a Way to Start your Business Without It. The above options are all great options for finding the money that you need to start a new business. However, you may find that an even better idea is to find a way to start your business without a big investment. There are a lot of businesses that you can start with little to no money at all. If you’re concerned about making a big investment in your business then getting started with one of those types of businesses might be the right course of action for you.

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10 Best Ways of Getting Money to Start Your Own Business

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