Category Archives: Frugality Articles

Code of Conduct

Code of Conduct

1) No flaming – Flaming will be defined as any public attack or negative comments directed to a specific individual or group of individuals on If you have a dispute with an individual that MUST be resolved, please take it to PMs. If you unable to resolve your dispute in this manner, take it to Administration. All flames are subject to editing or removal and the poster in question will be warned. Please treat each other with respect.

2) No discrimination –Racism in any form or anything that even hints of racism, in and under its various names and forms WILL NOT BE TOLERATED! Please refrain from making derogatory comments in these forums about groups of people based on religion, nationality, parenting styles or sexual preference. Such discussions only serve to divide and hurt people. We vary in our nationalities, faiths, beliefs and lifestyles but come together for common things such as our frugality, need for support and need for understanding. Violators will receive a warning. Please keep in mind this is primarily a support forum and not a debate forum. There are many sites across the web that cater to just about any debate in which you may want to engage. Please do a search on Google and I am sure you will find what you need. (See 3 strikes policy)

3) Debating – It is important to note, AGAIN, that Frugal Families is primarily a support forum, not a debate forum. While I value the ability to discuss issues in an intelligent way, support and debate do not always mix. Yes, there will be times we disagree on issues and things discussed in our forums, but I hope in the end, we will agree that we can disagree on things. BUT, if you truly feel the need to debate issues, there are other sites that can meet this need.

4) No spam – Paid members are permitted to advertise their businesses in their sig line, and may talk about the issues of doing business, in the appropriate forum, but they may not attempt to solicit business through posts. Anyone who is not a paid member is prohibited from advertising-PERIOD! These posts will be removed, and anyone who is deemed to have registered for the exclusive purpose of advertising will be banned. All other members will receive a warning. Links to other sites similar to Frugal Families, within siglines, is also prohibited, and these links will be removed. Links to sites that give the member a type of compensation for every click they receive will also not be allowed.

5) Appropriate Posting Etiquette – Support forums are support forums. Please do not use a person’s prayer or support request to become a reason to be critical of them or offer unsolicited advice. If the person wants advice they will ask for it. If a member DOES ask for advice, please stay on topic, and answer the question. If you feel a need to go off topic, please start a new thread to do so. If you have asked for advice, be prepared to hear things with which you might not agree. Do not post obscenities, obscene links, or anything you would not want your child reading over your shoulder. Other persons’ requests for prayers or support shall not leave this message board, except via the person posting them. Do not post another person’s personal information on another message board.

6) All activities must be approved by administration. There are no exceptions. This means that any activities such as card exchanges, anything including prizes, or the exchange of materials,or money MUST be approved by admin. We reserve the right to require that such activities be moderated by staff, and that any money or materials be held in trust by a staff member to distribute.
Each request will be reviewed individually, and responded to, on the basis of length of membership, activity, and past performance. We reserve the right to deny any request for any reason, including if we simply think it is a bad idea. Please don’t take it personally, as it is for your own protection. Frugal Families cannot monitor every transaction, but we endeavor to make your membership as safe and comfortable as it can be.
Please Note!! If you decide to take part in an activity not sanctioned and run by Frugal Families staff, we will be in no way responsible for the outcome of this activity, or any transaction in which you participate.

7) No Personal Contact Information. We request for your protection that no personal contact information be posted on the boards. This includes addresses, phone numbers, emails, or any other means of contacting you. While the boards are private, we do have a small number of public boards. We want you to stay safe, so please don’t publish this information. If you want a friend to have it please PM them for that info, or if you are ill and cannot reply to many PMs, send that info to staff, and let them distribute it.

8) No copying– You shall not copy and paste material from any other website, or forum, without the written permission of the website owner or author. Any material that is found to be copied will be removed.

9) Copyright– All Frugal Families material is subject to copyright, and may not be copied without the written permission of the owner AND the original author. All material on the website is the property of Frugal Families; however, the owner shares copyright with the original author.

10) 3 strikes-YOU ARE OUT! – With the exception of zero tolerance offenses (rule number eleven), each person will receive two warnings if they are found to violate Frugal Families rules or terms of service. On the 3rd offense, their membership will come under administrative review, and that member may be subject to limited access, or banning for a given period of time or permanently.

11) Zero Tolerance offenses – These offenses will subject a member to possible immediate banning and include any extreme rudeness, disruptiveness, or abusive behavior. Anyone who posts pornographic material or any material relating to illegal activities of any sort and spammers will be immediately banned. Anyone who registers for the sole purpose of harassing or attacking Frugal Families staff or members will be banned.

12) Anyone who violates the terms of this Code of Conduct will be considered violating the terms of Service and will be subject to the cancellation of their account, without notice, and Frugal Families will not be liable for refund of monies paid.

13) No recruiting – You may not, for any reason, use this forum to recruit members for your own, or a friend’s forums. This includes PMs, posts, or obtaining emails, expressly for this purpose.

Terms of Service

Frugal Families Terms of Service

1) Frugal-Families Registration Agreement and Information

To post messages on Frugal-Families, you must be a paid member of our community. Registering at Frugal-Families will give you access to thread titles in select forums but NOT access to the responses. Registering and giving limited access will allow you to determine the quality and content of our site while still allowing our paid members a certain amount of privacy. When you become a paid member of this community, you will appreciate this feature.

2) User Names
Every user has a unique user name. User names felt to be in poor taste can and will be deleted at the discretion of the administration.

3) Email Addresses
Every user account must have a unique, valid email address. If it is found that one email address is used for multiple accounts, all accounts could be deleted. You MUST keep your email address valid. If your email address goes invalid, your account might be deleted. You are responsible to keep your account up to date.

4) COPPA Laws
Due to COPPA laws, we do not allow registered users under 13 years of age without a parent’s permission. By registering, you are agreeing to this fact and do not hold Frugal-Families responsible for age verification.

5) Posting Liability
Messages posted in our forums express only the views of the author of the message and do not necessarily reflect the views of Frugal-Families. Neither Frugal-Families, nor any person or entity associated with them, will be held responsible for the contents, accuracy, completeness or validity of any information posted in them.
Posting any material that is knowingly false and/or defamatory, inaccurate, abusive, vulgar, hateful, harassing, obscene, profane, sexually oriented, threatening, invasive of a person’s privacy, or otherwise a violation of any law is prohibited. All members agree to abide by these terms of service, and the members code of conduct.

6) Copyrighted and Other Prohibited Material
Posting any copyrighted material without the express permission of the copyright holder, unless such copyright is owned by you, this forum or Frugal-Families website is prohibited. Posting advertisements, spam, chain letters, pyramid schemes, and solicitations are also prohibited.

7) Reporting Abuse
Any user who believes that a posted message is objectionable is encouraged to contact one of the Administrators immediately by private message or email We will make every effort to take such action as we deem necessary. Please note that we do not address off forum action or abuse. If you are being harassed by a member off the Frugal-Families forum, please notify the appropriate authorities. Please do not attempt to resolve a dispute, or respond to an offensive post, publicly, as it takes away from the purpose and mission of this message board, and rarely solves anything. Disputes should be resolved privately, and offensive posts should be reported to the proper moderator, or administration.

8.) Administration Requests
Besides this rules listing, the Frugal-Families Administration and moderators may make certain requests or demands via the forum, email or private messaging. By registering, you agree to these terms.

9) Refund Policy
Frugal-Families reserves the right to cancel any membership, at any time, if the member does not abide by the terms or service and code of conduct. Frugal-Families reserves the right to refuse refunds to those members who have not abided by the terms of service, and code of conduct.
You may request a refund after the first 30 days. Refunds will be at the sole discretion of administration and are not guaranteed. Any refund given in the first 3 months will be subject to a $3 handling fee, to cover the cost of processing. Refunds after 3 months, if granted, will be prorated. You must have a good reason for requesting a refund after 30 days, such as a dispute between yourself and another member, that you have tried in good faith to resolve. Each refund will be handled on a case by case basis, and no guarantee of refund is given after the first 30 days.
You may request a refund in the first 30 days for any reason; however, it will be subject to a $3 administration fee, to cover the transaction charges.

10) Rules Amendments
Amendments may need to be made to the rules at times. As a registered and/or paid member, you must adhere to any and all rules set forth. If you do not agree with a rule at any time, you can request removal from our forums by contacting from the email address your account is registered with, and we will clear or turn your account off.

11) Legal Issues
In the event of any complaint or legal action arising from any message posted by you, Frugal-Families reserves the right to reveal your identity and any other information we may know about you. This includes your email address, IP address, account information and any and all messages posted, either via the message board, private messaging or email.

12) Rights of Use
Frugal-Families, at its own discretion, may bar registration or posting from any specific email service, ISP or user with or without notification.
Frugal-Families reserves the right to edit or delete any message for any reason whatsoever, at our sole discretion. We also can and will remove users we feel are problematic with or without notice at our sole discretion. What you might think is not disruptive, might be to our community. If you are banned and removed, we expect you will find another forum site to suit your needs.

This forum is provided as a service of Frugal-Families. Use of this forum is not a right, but a privilege.

If you are removed or banned from the forums, it is against forum rules to re-register. We will take this as an action of internet harassment. We trace every registered user, access and post made on this site. If necessary, we will take all legal steps necessary to insure our users have a fun and clean environment in which to communicate.

13) Privacy Policy
Frugal-Families respects your privacy and will not collect any personal information from you that you do not freely volunteer. If you do not wish us to have that information then please do not provide it. The only thing required from you at registration is a valid email address. will not sell or give away your personal information to any third party at any time. Any and all information collected from you will only be used for the purpose stated.

14) Removal Requests
If you either do not agree with the rules at any time, or you no longer want to be a member of Frugal-Families, send us an email from the address you have registered with requesting removal. Removal requests from email addresses not associated with accounts in our forums will be ignored. Note: removal requests do not guarantee refunds, each request is subject to the refund policy stated above.

15) For More on Internet Harassment
For more information about internet harassment and internet law, please search online using the following key words:
* internet harassment
* internet law
* message boards
* freedom of speech exclusions

Frugal Wedding Planning – Three Threats to Your Budget

Frugal wedding planning is about being a smart consumer and getting the most value for your money. It is not about abandoning or skimping on any aspect of your celebration. A frugal wedding plan is an approach that is designed to protect you from spending thousands of dollars that do not significantly improve the quality of your day.

How is it possible to lose thousands of dollars without getting any real value for your money? The answer may seem cynical, but is rooted in the fact that every business in the wedding industry exists to make a profit from your special day. There is nothing wrong with businesses making profits, but it is important to recognize that businesses will be trying to get as much of your money as possible in return for offering you the products and services that you desire. Your approach will have the opposite purpose. Your frugal wedding plan will focus on trying to get those same products and services while minimizing the amount of money that you spend on them. It is, in a sense, an adversarial process.

When you enter into these somewhat adversarial relationships with wedding vendors you will have three disadvantages, and every wedding vendor will know it. Each of these disadvantages has the potential to cost you a lot of money, but recognizing them will put you in a much better position.

Your first disadvantage comes from being a hostage to your circumstances. Although every wedding is unique, they all have common requirements such as food, beverages, location, flowers, photographer, and entertainment. Businesses know that you need these things, and it is such a special day that they know that you will pay good money to get them.

Your situation is similar to that of sports fans who pay an exorbitant amount of money for food and beverages at an athletic stadium. The fans are a captive audience, and they do not get a good value for their money. Similarly, you will notice that products and services related to a wedding have prices that seem much higher than they would be when purchased for different occasions. There are, however, ways for the discriminating consumer to avoid falling victim to some of these markups in prices.

Your second disadvantage in your relationship with wedding vendors is the complexity of the whole process. Planning your wedding will probably be the biggest event that you ever organize. There are countless details to attend to and the process can be exhausting and overwhelming, especially if both of you have jobs. In this environment it is easy to overlook many hidden fees and unexpected expenses that vendors will charge, and you may not be aware of them until you are in a financial hole. It is sometimes a good idea to make written agreements with vendors to avoid some of these unanticipated expenditures.

A third factor that makes you vulnerable to financial exploitation is your lack of experience with the whole process. Planning a wedding is not in the normal routine of most people, but all of the businesses in the wedding industry are quite experienced at what they do. You may find the preparations to be a learning process, and one that can be very costly.

Being aware of these points will put you in a better position to alertly and prudently avoid some costs without major compromises in your plan. You can indeed have an elegant, yet affordable day that is a memorable beginning to your new life without placing your financial future at risk.

There are many specific ways that you can avoid unnecessary expenditures. These include purchasing flowers from a wholesale grower instead of a florist. Also, one bride’s research revealed that a wedding gown that cost only about a hundred dollars to manufacture was being sold at a retail price of almost two thousand dollars. Exorbitant markups like this can be avoided by purchasing directly from the manufacturer or a wholesaler instead of a small boutique.

Visit for a comprehensive examination of these and other cost saving ways that will allow you to have the day you always dreamed about without being financially ruined.

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