Bye Debt

Learn to say No

I am not going to sugar coat this and say that being frugal is a complete cakewalk. What looks like a fun Instagram account, a cute chart and money paid off is the result of (what seems like) blood, sweat, and tears. It takes serious discipline. That being said, the key to staying on this lifestyle is channeling  your inner Meghan Trainor by learning how to say no to others, while ultimately saying yes to you. This is my daily mantra. No joke.

No“Wanna do lunch?”
Saying no to others, means saying yes to you.

“Wanna go to the movies?”

Saying no to others, means saying yes to you.

“Wanna go out of town this weekend!?”
“I don’t think so.”
Saying no to others, means saying yes to you.

This, for me at least, is the hardest part of being a Frugal Fox. It’s hard to feel like you’re still involved with your friends and family when you aren’t participating in the daily ritual of spending money with them. If you have decided to put all of your being into getting rid of debt, I applaud you. Deciding to do it is step #1 — step #2 is deciding that you’ll do anything to get out of the negative. That means saying No. No is a complete sentence. No is empowering. No means that you have something bigger than yourself. Most importantly, saying No is an act of rebellion in a world where being in debt is the norm.

Instead of going to eat, indulging in an expensive movie or taking that trip, make memories at home. Do what you have to do until you can do what you want to do.

Below are 11 fun alternatives when living a Frugal Fox life:

  1. Make a meal at home (BYOF – Bring Your Own Food)
  2. Have a movie night instead (Redbox, Netflix, Hulu)
  3. People still play board games (Cards Against Humanity!)
  4. Go to the beach, the lake, the park, GET OUTSIDE
  5. Go biking
  6. Go for a walk/run
  7. Go to the gym (Or search home workouts on youtube)
  8. Take your dog to the dog park
  9. Museums are free (most of the time)
  10. Check out free events in your town/city
  11. Read a book

It’s also important to note, that saying No isn’t the default. As Cee always says “People need to live.” And it’s true. No one likes an all the time “No person.” You just have to plan it and budget it each month. What do our other foxes do instead of constantly going out? How much do you put towards your “fun money” each month?

Tell us in the comments, and as always, if you have any questions, email us at


2 thoughts on “Learn to say No

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