The Frugalista Files: How One Woman Got Out of Debt Without Giving Up the Fabulous Life by Natalie P. McNeal (Harlequin, $14.95, 179 pages)
Natalie McNeal was in her eighth year of working as a reporter for the Miami Herald newspaper when she woke up to find that she was $21,021.24 in debt. The debut was divided among what she owed on her credit card ($9,785.24), car loan ($8,600.00), and student loan ($2,636.00). This is the story of how, over 2 years and 4 months, she worked her way into a debt-free existence.
This might sound like a rather dreary topic to read about, but McNeal makes it an awful lot of fun.
“For the first time in my life, I can honestly say I need nothing. I have everything.”
“I am clothes coasting. My closet has me cruising.”
This is a true account of how McNeal learned to love what she already owned (including learning how to shop inside of her own closet), and place her self-worth above other person’s opinions of her lifestyle or achievements. In a sense, she created a real-life game out of saving money and she wound up a clear winner at the end. McNeal was to gain such self-esteem and self-reliance from this experience that she decided to quit her job at the Herald and work for herself as a featured blogger (K Mart’s smart shopper suite) and freelance writer.
“Frugalista tip: Before you shell out the cash (for such things as hair styling or new clothes), ask yourself if this is something you really need or just something you want. You’d be surprised!”
Living in Miami, McNeal was used to a young professional’s party lifestyle, something she had to put aside in order to begin spending less – and actually saving money, each month. She began to cook – thank goodness for the George Foreman grill, and stay with relatives when she traveled. She also started to file her work-related travel claims right after a business trip, and adopted a “same day deposit” policy for any checks she received. (The old McNeal often misplaced personal checks, and thus forgot to deposit them.)
Yes, the self-titled Frugalista became a serious person who finally applied the lessons learned in her high school Home Economics class.
As one might expect, McNeal offers some real-world advice on how to save money in very practical ways. She explains, for example, what make-up items must be purchased at top-notch prices and which items can be bought at a discount. You might think this would be boring for a male to read, but it was not thanks to McNeal’s positive attitude and ingrained sense of modesty and humor.
This reminds me to share two frugal tips of my own learned by living life. First, when you buy those expensive dryer sheets (what I call “fluffies”), feel free to cut them in half, or even into thirds or quarters. They’ll still get the job done for virtually all wash loads. And, second – as I learned from my dentist – don’t be afraid to buy the cheaper versions of mouthwash that you find at the larger pharmacies and supermarkets. They’re less expensive because they contain more water, which can actually be a benefit to those with sensitive teeth and gums (i.e., you’ll feel less of a burn). Stronger is not always better.
Less is often more – that’s the lesson of The Frugalista Files, a fun read and fun journey through life’s simpler, basic lessons with Natalie McNeal.
A review copy was provided by the publisher.