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Finance Articles
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Frugal Freedom
By Cheryl Johnson
Unsecured Loans Another large garage bill makes you wonder if it`s really worth spending any more money on the car. It has reached the time in its life when it`s started to cost you in upkeep and a newer model might prove to be less bothersome. With no savings to speak of you might be considering one of the Unsecured Loans that a price comparison site has pinpointed for your needs. You looked at the Unsecured Loans a few months ago but haven`t done anything about it since. Using the website that searches for low cost loans is easy as you simply enter the loan amount that you are interested in, the time period that you need it for and the purpose of the loan. The company will also need your employment status and some information about you. An initial assessment will take place for the best quote available and once the loan comparison sitee has found the best quote, they`ll be in touch with you. Think about the type of car that you could get with one of the Unsecured Loans and how much cheaper it would be to run. You could even combine a few of your other smaller loans into the new one to cut down on your monthly outgoings. Article03.html Many people in the UK, in fact as many as one in three UK taxpayers have paid too much tax! A new `No Win No Fee` tax refund service has just been launched by Greer & Taylor LLP on a dedicated new website The Taxation People which can be found at www.thetaxationpeople.com where you can find out all the infomation need before making the decision to apply for a tax refund. The Taxation People offer a cost effective `No Win No Fee` online service, with a simple and easy to follow process they will guide every step of the way as you apply for a the refund. I would urge you to check out www.thetaxationpeople.com, where you can enlist the help of the The Taxation People who will get you the Tax Refund you are entitled to. The Taxation People are a trading name of Greer & Taylor LLP a respected and trusted accountancy service provider who is moving to provide a number of online services. Initially they are only offering the Tax Refund service that can be found at www.thetaxationpeople.com, but Greer & Taylor LLP are about to lauch a cost effective Self Assesment Service, keep an eye on www.greer-taylor.com for more information. That most of us are considered poor is no disgrace, but does us credit; for, as the mind is weakened by luxurious living, so it is strengthened by a frugal life.(Minucius Felix, 3rd century A.D.) People who live a frugal lifestyle often live with less stress. Typically, those who take control of their money feel they have more control over their life in general. You`ve heard the old cliché "Money is Power." What most of us fail to understand is that the power isn`t in having the money, or how much you have, rather in the ability to control what money you do have! With that power comes peace of mind. It`s the peace of knowing that all you have is truly "yours". With that peace of mind comes Frugal Freedom. Freedom from debt. Freedom from envy. Freedom from ridicule, shame, and loss. Loss of what you might ask. Sanity, for one thing. Trust me, when the walls of financial ruin come tumbling down around you, it`s easy to loose your sanity! And, no matter how much money you have, if you can`t control it, you are headed for financial ruin. There are many stories of those who have become wealthy and eventually fell to financial ruin. These are people who let money control them instead of responsibly managing their money. Much of the transition from spendthrift to frugal is within the mind. It`s not so much a physical shedding of the luxuries of life. Rather, it is the ability to accept that you don`t have to "keep up with the Joneses." This can be a huge mental leap living in today`s world of material values. It takes an understanding of what you really need to be successful. Focus inward to what drives you to want more money. Is it necessity or just appearances that drive you to spend more, have more and, consequently, owe more? In review of your own unique situation you might find the answers very enlightening. Hopefully, seeing the true origin of your desires and re-evaluating what you "need" will lead to change. Then again, you may not like what you see and in denial exclaim that it?s all baloney! I hope you have the courage to make the changes needed to achieve financial security and peace of mind. Many of us forget that we do have the ability to change. It`s never too late! There is no truer realization of how hard it can be, and how we may need help, to change, than the following well known serenity prayer??.. God grant me the serenity to accept the things I cannot change....The courage to change the things I can and.....the wisdom to know the difference. Now whether you?re a religious person or not, the above statement is true in all aspects of our lives. I often think of it when presented with life`s little dilemmas. It reminds me that I do have choices. I need to evaluate the situation carefully and research my options. Some things we can change, some things we cannot change. Figure this out, have the courage to fix it, or peace of mind to accept it. I can tell you from personal experience that financial ruin is something you can fix. It is rarely an easy fix, but always will bring peace of mind! So, when asked what I think frugality is.....It`s Freedom. Peace of mind. Re-evaluating what life really means. Knowing the difference between necessity and wants. Shedding appearances in exchange for reality. Taking control of my finances. Getting back to basics, and focusing on the "really" important things in life.... family.... friends.... children..... learning....and teaching. 
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