Cassie Howard, the mastermind behind one of Canada?s top frugal-living websites, MrsJanuary.com, wasn?t always money savvy. In 2006 she was actually drowning in credit card bills.
?I was 18 years old and in terrible debt and decided to start couponing?and blogging to share my money-saving experiences,? says Howard, a Vaughan, Ont., mom of two. ?It wasn?t until after eliminating my debt that I realized I actually enjoyed saving money.?
Today she has a full-time gig blogging about deals and smart spending tricks, making her money through advertisements on her site and by writing sponsored posts. Over the past eight years, Howard and her husband have purchased a house, a new vehicle and enjoy annual family vacations.
?A lot of people think being frugal means you don?t spend money, but it?s about being wise with your money and using your resources to get the most bang for your buck,? says Howard. Couponing and price matching at the grocery store are nothing new, but there are many lesser-known strategies to help trim the fat from your family?s budget.
1. Pay attention to sale cycles

Knowing when things go on sale over the course of the year will help you stock up when items are at their lowest prices. You just need to be aware of sale cycles. Bedding and linens typically go on sale in January. Find the best deals on frozen food in March and on cleaning supplies, paint and cookware in April. Pick up discounted party supplies and bottled water in May and craft supplies in July...