My first book, Frugillionaire, is 99 cents!

Before I wrote The Joy of Less, I published a book called Frugillionaire: 500 Fabulous Ways to Live Richly and Save a Fortune. In a nutshell, it’s 500 bite-sized tips that put the fun back into frugality. By focusing on appreciation rather than deprivation, it encourages you to savor life while saving money.

So why am I talking about it today? Because I’ve decided to drop the Kindle price on Frugillionaire to $0.99 for a limited time. I’m so grateful for your support of The Joy of Less, I wanted to give anyone interested in my first book the chance to buy it for less than a buck.

Follow just one of the five hundred tips, and you’ll quickly recoup your investment. :)

No Kindle? No problem. Simply download one of the free Kindle apps from Amazon’s website, and you can read it on your PC, Mac, iPhone, iPad, iPod Touch, Blackberry, Android, or Windows phone.

If you’d like to learn more, here’s the Amazon description:

What if being frugal made you feel like a million bucks?

You’d live a rich and happy life–while saving more money than you ever imagined!

If you’re frustrated with your finances, drowning in debt, or just wondering where your money goes each month, don’t despair. For in these pages lies the secret to financial peace and harmony: how to become a frugillionaire.

Unlike millionaires and billionaires, frugillionaires aren’t defined by the number of zeroes in their net worth, or the haute couture in their closets.

Quite the contrary: frugillionaires master the art of frugality–living richly while saving a fortune. They make the most of the money they have, and treasure those things that money can’t buy.

Best of all, becoming a frugillionaire is easy! Just download this book, and you’ll find 500 fabulous savings techniques at your fingertips. Mix and match them into your personal formula for financial success!

I don’t know if my frugality evolved from my minimalism or vice versa, but each has been strengthened by the other. In fact, becoming a minimalist was the best thing I ever did for my bottom line.

Anyway, thank you again for being the best group of readers a blogger could wish for. I hope some of you will take this chance to pick up Frugillionaire, if only to squirrel it away for future reference. It also makes a great frugal gift (instructions for gifting Kindle books are here).

I hope you’ll find, as I have, that saving space and saving money go hand in hand!

{Note: I wanted to make it free, but Amazon requires a minimum list price of $0.99 for us indie authors. I figured it was close enough!

And for those who are wondering, I don’t plan to drop the price of The Joy of Less. I simply want Frugillionaire to be a nice little bonus for my readers.}

The Minimalist Wallet – Seven Ways to Slim It Down

wallet-mI try to keep my wallet as light and streamlined as possible (no Costanza wallet for me!). To this end, I’ve found the following strategies to be particularly useful:

1. Carry one credit card. In fact, own as few as possible; signing up for every store card, or offer that comes in the mail, only complicates life. Who wants to deal with all that paperwork? (And worse yet, all that potential debt!) I typically keep two credit cards at a time: one with a high credit limit, for travel and big-ticket items; and one with a low limit for online shopping (to lessen the hassle if the numbers are stolen). The low limit one stays at home, the higher limit one in my wallet.

2. Carry one debit/ATM card. This not only reduces the bulk of your wallet, it helps you consolidate spending onto one bank statement.

3. Carry cash. Okay, from a strictly minimalist standpoint, you might say that cash adds unnecessary bulk. However, I much prefer to carry a few bills, rather than review a bank statement that has a zillion little purchases on it. In fact, I use cash as much as possible, particularly for minor expenditures like food, household supplies, drugstore items, books, magazines, and most clothing. I simply don’t want to be bothered with keeping the receipts, and matching them up to a bank statement every month.

4. Don’t carry a checkbook. It takes up too much space, and makes you that person that nobody wants to be in line behind.

5. Don’t use your wallet as a filing cabinet. I empty all the receipts from my wallet as soon as I get home, trashing the insignificant ones and filing those that I might need later (for warranties, returns, tax purposes, etc.).

6. Don’t use your wallet as a Rolodex or photo album. Leave your business cards and photos at home (or convert them to digital format and put them on your smartphone or PDA, if you carry one).

7. Be selective with “loyalty cards.” Don’t accept them for places where you don’t shop frequently; or if you do, only bring them along when you’re going to that particular store. I only have one at the moment, for the store where I do most of my grocery shopping. If I had more, however, I’d seriously consider using a service like JustOneClubCard to consolidate them.

When it comes to your wallet (and financial transactions), how do you keep things simple? I’d love to hear more tips!