If you are like the average American, the Christmas bills are starting to roll in and Americans are trying to figure out how to cut back on spending and pay off those credit cards. The best advice from the experts on getting out of debt is to learn to live frugally. When we think of being frugal with our money, most people think frugality is the same as suffering.

Here are four tips experts give on living happily on a “frugal” budget:

1. Keep Track of Your Spending Monitor where your money goes.

2. Change Your Spending Habits Now that you are tracking your money trim the financial fat.

3. Start Living Healthier Those who smoke, consume too much alcohol, have poor eating habits, are out of shape, or are overweight tend to spend more money than a person who is living a healthy lifestyle.

4. Stop Impulse Buying. Remember what Solomon said about buying stuff. He said, “Better little with the fear of the LORD than great wealth with turmoil” (Proverbs 15:16).

Have a Blessed Day!