Sunday, August 2, 2026

The Necessity of Frugality

Restful view on our walk at the Trapp Family Lodge (from 2024). 
 

I often think of how I want my house and yard to be peaceful and full of simple beauty. We often talk about what we would like to plant on the grounds of our humble estate.  On a recent outing, we browsed the aisles in the garden department of a local store.  I saw beautiful red azalea shrubs and lovely tea rose plants in a delicate pink. "These would be perfect for the front grounds," I said. "They are just what I have been looking for."  Then we nod and smile as we pause to dream and consider. Then one of us will say, "We will buy some next year." We always say this because it is less painful than speaking the fact that there is not any money to spare.  I would rather be hopeful and cheerful and say, "next year, we will do this." It is much more pleasant to know that someday, we will do certain things we would like. 

There are many things we need. We are also exposed to daily enticements from advertisements and such that make us want things.  Just because we want something does not mean it is necessary.  Being frugal reminds me of being responsible.  We must be prudent. We have to proceed with caution. It is important to avoid impulsive action on the basis of our whims. We must plan and take our time to make our homes pretty. Adding loveliness and cultivating a pleasant environment should be a life-long endeavor.  It takes time to do good things and to take care of our surroundings.  It is time well spent, particularly when it is done with creativity and as little expense as possible.

It is important to repair things, to make items last, and to take care of what we already have.  For instance, I have a beautiful pair of cozy slippers. They have little roses on them with a cream background. To me, they are elegant and pretty. I have had them for years. But, as with all things, they are deteriorating.  The soles are falling away from the base. It is not possible for me to replace them. Instead, I will sew them back together to make them last. Perhaps when Christmas comes around, I may be able to get another pair. I am thankful and willing to wait. I am grateful that I know how to mend and sew and can make them last a little longer. I will look forward to the day when I can get another pair. This is an important experience in living carefully and making money last.

Yet there are days that are harder than others, when it comes to managing money.  For example, the mail was brought in the other day.  I had been expecting the property tax bill from our town. It had just arrived. I had been saving up to meet this annual expense. It is generally the same amount each year. I had a plan to pay it before the due date and was carefully saving up to meet this need. I was confident and grateful for a financial plan and enjoyed looking over the budget, each month, as I paid the necessary bills. But when I opened the envelope, I was staggered by the amount that was due.  The explanation for such a drastic change was that our town had reassessed the value of everyone's property. This was to get in line with market value and recent sales.  It resulted in a shocking increase of an amount that was a thousand more than I had expected.  A moment of panic came over me. But I had to realize that all would be okay. This felt like a painful storm, but we would get through with planning, letting go of the confidence I thought I had over my finances, and a sense of humble submission to what was out of my control. The Lord will lead us through this darkened path. I must not fear or flinch in this trial. It is better to walk on calmly and to manage with a gracious sense of acceptance of what I cannot change. This is a reminder of how thankful I am for my house and property. I am willing to cut back on many things, even if it takes me a long time to pay these expenses, for the privilege of living here. It is blessing to have a home and family! 

When we spend our days thinking of the long term, rather than of just about today, we may be able to save for emergencies, for rainy days, and for little treats.  Planning and being careful with a financial plan, especially on a strict and limited budget, is essential. While we are doing the good things, we can find ways to enjoy our lives and be happy.  However, keep in mind that there will be sudden financial blows that are out of our control. How much easier it is to manage these calmly, when we cling to the Lord with hope and faith, knowing we are trying our best to be good stewards. And while we often fail and stumble, the Lord is gracious and comforting as He guides us along the path of life. We are grateful.

Blessings

Mrs. White

From the Archives -  

My Mother's example - A Home Without Clutter.

 Testimony of the Mother of D.L. Moody - Poverty in the 1800's.

Old Time Manners - Waiting for the Door to Be Opened.  


- To find out more about this blog, or Mrs. White, please visit our About page. -


Our newest book is now available!


An Ordinary Housewife: Essays and Remembrances of Simple Living in a Christian Home
by Mrs. White

136 pages, paperback

ISBN: 978-1-956616-43-9




10 comments:

  1. Oh my! A property tax bill $1000 more than planned - That's almost impossible to come up with. I know we couldn't ever find an extra $1000. Does Vermont have a property tax credit or refund? Here in Minnesota we have this. I pay the first half of the year's taxes, then file for a refund based on income and homestead/occupancy, and we get a considerable amount back which I use to help pay for the second half of taxes due. Our property taxes usually go up each year, but only by a couple hundred, not a thousand. Hopefully your state will have such a similar program to help you with this tax bill.
    It does seem like everything is becoming increasingly more expensive and being on a fixed income it is difficult for us to keep up. Like you, I repair items and my husband is good at fixing things, too. We do without the "extras" and always hope things will be better. Somehow the Lord always provides our needs. Our "wants" most often take a back seat but after a while they don't seem important anyway!

    ReplyDelete
  2. Those unexpected tax increases can really throw a wrench into the works, Mrs. White. I'm glad that you are so careful with your expenditures and that you're trusting in God to help you make those important decisions. Blessings!

    ReplyDelete
  3. I appreciate you sharing your story of the property tax surprise. We got a bill yesterday for a medical visit that was surprisingly much higher than we were expecting, and it was not fun at all. I try to remind myself that most of my life is structured around things that don't require a lot of money (reading books from the library, sewing by using things I already have, etc.) but it still stung.

    ReplyDelete
  4. Isn’t it such a blessing to be able to lean on the Lord when hit with such a shock? Thank you for sharing with us how you rest in Him to find peace. Our area was hit with an F3 tornado last week. So many people lost everything, but we were fortunate to only have big trees down, a little roof damage and loss of power. Being in Christ, I was able to breathe and support my husband with the necessary call list, check on neighbors and make lunch without opening the frig thanks to my pantry reserves. Amazingly, our neighbor passed on a lovely Mennonite man who has a yard company. This gentleman came over, surveyed and with a handshake scheduled a date to come. Today, the day before, he has called to confirm everything. His fee was very reasonable. With so many scams that started circulating hours after the storm, this man has carried on business just how you’d hope! Thank you, Jesus! We have been calm and at peace through every part of this struggle all because of His guidance:).

    ReplyDelete
    Replies
    1. Mrs.K, do you happen to be talking about the F3 in Wisconsin around the Fox Valley? We too are here, and narrowly avoided the storm. I just had to comment because I don’t know anywhere else that had an F3 tornado last week. How terrifying. We kept in our basement and said many prayers during the storm. I was reminded of Psalm 91, and have so much gratefulness that we made it through the storm.

      Delete
  5. A good way to get some plants for free is to ask homeowners for a cutting from their plant, and propagate it. Some plants are easier to propagate than others. Azaleas will often layer themselves: a branch close to the ground will get covered in leaf litter, and roots will start to grow from the branch, resulting in a second plant that can be separated at any time by cutting the connecting branch.

    For better or worse, I'm pretty sure that red azalea varieties and tea roses would not survive the winter in Vermont anyway. PJM rhododendrons, which have small purple flowers like azaleas, and some non-tea types of roses are hardy enough for Vermont.

    ReplyDelete
  6. Mrs.White it is a blessing to hear from you. I am sorry about the tax bill, everything seems to be rising, taxes, cost of living, groceries. Seems everywhere that there are things speaking for one’s money. It’s been a hard year here in Wisconsin, smoke from wildfires, terrible storms that bring total devastation (tornado), a drought, and seemingly a society that has lost its mind. There are many things to trouble one, and I find that I have to constantly turn my attention to the Lord otherwise I feel hopeless and out of control. Thank you for being a bright spot, and reminding me that sometimes the purpose of it all is to rely on Him.

    ReplyDelete
    Replies
    1. So glad you had a basement and that your area was missed. God is good!🙏🏻

      Delete
  7. Mrs. White, in our county in Virginia, if one of the property owners is over 65 or disabled, the property tax can be "frozen", and will no longer increase. There is also a limit on the amount of assets you can own, not counting the property you live in. Maybe there is something like that where you live? It never hurts to ask!
    Jo

    ReplyDelete
  8. Mrs. White, I also know that appalled feeling in receiving an unexpectedly high property assessment. Please talk to your county and explore what your options are, based on your circumstances. In the state I used to live in, my county allowed residents to dispute their assessments, which I did at least once. I would guess that many other folks in your county are also not able to financially absorb such a high increase, and that your county will be hearing from many of them. Nancy

    ReplyDelete