Sadly, few people on this planet have access to immense stockpiles of gold bullion and vaults full of sparkly diamonds. This is especially true in these recession-ravaged times, in which the idea of luxury living looks less like brick mansions and more like rent-stabilized apartments. Most of us have to live within our means and on a limited budget. In Washington D.C., more than 30 percent of children live in poverty [source: Reuters]. Relatively wealthy families, especially, have become ardent users of coupons; 39 percent of households earning more than $70,000 per year have resorted to coupon clipping [source: Time].

Quite simply, many people have started learning to live on a budget. In doing so, you can prevent the recurring, hair-graying stress of getting behind on bills while actually getting more fun and enjoyment out of the money you spend. Having a budget equals thinking about money in an analytical, logical way to avoid excessive debt. It also means setting realistic goals for spending and saving.

Before we launch into our tips, it may help to clarify exactly what it means to live comfortably on budget. There’s no black-and-white answer to that question.

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For some people, putting away enough money to go on an annual three-day vacation might be the ultimate luxury. Whatever you enjoy in life, there’s a difference between living on a fun-starved budget and living comfortably — yet still affordably. For others, going out to eat once a week or getting a monthly pedicure might be a real treat.

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Perhaps, the only thing stopping you from enjoying life a lot more is developing a better understanding of how to get the most from your money without having to sweat important bills. Have more fun at the same time. You’ll see some tips that may help you save more money.

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Prioritize Your Life

Find and Use Budgeting Tools

The Good Food Fight

The Roof, The Roof is on Fire

Beware Budget Burnout

5: Prioritize Your Life

Others stress the importance of extreme frugality.

No matter where you live, the culture that surrounds you affects the way you think about money. Some societies preach the gospel of rampant, wasteful consumerism. Others stress the importance of extreme frugality. And of course, in between those extremes lies a whole range of attitudes and beliefs about money. A sense of do-it-yourself survivalism.

The culture around you affects what you consider to be comfortable living. Do your life’s core values mean that more toys equal more happiness? Choose what’s most important to them in terms of comfort. Whether it’s a livable home in a safe neighborhood, good food, a house full of puppies, or a bevy of tech gadgets makes no difference. If that’s the case, you’ll have to make sure you have the earning power to buy those toys without sacrificing critical aspects of your finances, such as savings and important investments, like education or a house. You just have to decide what really matters to you. Many people must simply pick.

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With consumer confidence in the United States at its lowest in three decades, there’s talk that maybe people will slowly learn to become savers instead of consumers and spenders [source: Reuters]. But that kind of shift will take years to complete.

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In the meantime, economic realities mean people must learn the art of balancing the cost of comfort items with necessary expenses in a sustainable way. Keep reading and you’ll see just how to do that.

4: Find and Use Budgeting Tools

Whatever their reasons, many people don’t apply any sort of planning to their personal finances. And just like businesses without plans, individuals also fail financially. That’s why you need to create a budget.

For many people talk of budget planning causes boredom-induced comas. The delayed gratification of watching your savings balloon might greatly offset the pain of cutting silly expenses. Whether you love or hate numbers, this critical task can mean the difference between living comfortably and picking change out of (other people’s) couch cushions to buy pizza once a month.

Use the power of budgeting tools to help you. Mint.com offers a free online money management tool that lets you track everything from your credit cards, to bank accounts, to investments, all in one place.

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Enough with the grown-up lectures about budgeting. On the next page, we’ll start diving into the juicy tips that let you get more enjoyment out of your money.

3: The Good Food Fight

For some people, a spectacular meal at a five-star restaurant is worth missing a mortgage payment. For others, the act of cooking and subsequent mastication is a boring but necessary chore. No matter how you feel about food, one thing is for sure — you gotta eat.

Americans spend a lot of money on food, to the tune of about $770 per month for a family of four [source: USDA]. But really, that cash could be spent more wisely. Here’s one critical pointer — eating out often costs more than cooking at home. So even if you hate cooking, it pays — literally — to do some reading up on easy, fast recipes that prevent you from calling for carryout seven days a week.

Buying ingredients for those recipes is itself an art form. Or, you can buy fewer (nonperishable) items, in bulk, and use them for months before running low on supplies. You can opt for dozens of fancy, individually packaged products that actually cost more than restaurant food in the long run. Items such as dry beans, pasta, nuts, sugar, dried fruits, flour, grains, vegetable or chicken stock — and all sorts of canned vegetables — save you money in the long run.

Grocery coupons are making a huge comeback, and for good reason. Americans clipped 3.3 billion coupons in 2009. The savings from those glossy bits of paper? Around $3.5 billion [source: Time].com and Coupons.com.

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Of course, you still have to go out on the town now and then. Buy deals from great restaurants and wait to use them for special occasions, and you can eat very well for very cheap.

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Food is just one facet of your budget. On the next page, we’ll dive into making another necessity — your home — more comfortable.

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Hopefully, your living quarters aren’t literally on fire, but if you’re paying for digs that are well beyond your means, those shingles might as well be singed because you won’t be there for long. You need shelter of course, and you can find comfortable living quarters without sending your bank account up in flames.

If your situation allows, finding a roommate is one of the most powerful ways to reduce living expenses. Stay in the same location and cut your rent and utilities literally in half, or move into a bigger, swankier place and you can still pay less, just by sharing your space with someone else. For example, in Los Angeles, you could easily save more than $200 per month by sharing your space [source: AAGLA]. That’s like giving yourself a nearly $9,000 raise in salary [source:William Paid].

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Just be sure to choose your roommate carefully, and consider setting automatic payments so that you’ll never have to worry about getting stuck with someone else’s share of the rent [source: Bank of America].

Carefully furnishing and maintaining your home can also drastically lower expenses. Appliances instead of fancy new items. Refurbish them yourself. Not only will you save cash and learn some extremely useful skills, but you can take pride in your work and value those items as more than throwaway, disposable goods. Take the time to clean. Opt for used furniture.

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On the next page, you’ll see even more about budget living, and how you can avoid the enemy of all good budgets — burnout.

1: Beware Budget Burnout

The fancy-pants media name for budget burnout is “frugal fatigue,” (a phrase coined by analyst Paula Rosenblum) and with economic worries escalating, it’s the kind of fatigue more people are getting familiar with [source: RSR].In short, frugal fatigue refers to the mental and emotional toll that sets in when you feel like you have to carefully weigh each and every purchase you make.

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It doesn’t matter whether you’re used to having a large disposable income or you’re more acquainted with limited spending power. As a result, you might start splurging unnecessarily, perhaps as a one-time weakness, or as a chronic pattern that threatens to obliterate your savings. This kind of fatigue can strike anyone who is trying to be more conscientious about limiting unnecessary purchases.

It’s important to recognize fatigue if it begins to affect you. Don’t give in to the temptation. If you feel totally bored with budgeting and sick to death of squeezing pennies, you’re at risk for a spending bender of sorts.

Instead, be creative and kind to yourself and to your family. By shopping for deals and planning your leisure time around them, Buy Natural Diamonds you can save scads of cash on everything from food and amusement parks to airline tickets. Splurge and treat yourselves, Buy Diamonds In Thailand 2017 (http://diamonds.backtoglamour.com/2020/06/04/direct-buy-diamonds-money-experiment/) but be smart about it.

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And whatever you do, keep tabs on your expenses. If you’re in the 42 percent of people who plan to use layaway to buy Christmas gifts, you may want to reconsider how you’re spending your money [source: CNN Money]. Remember the first rule of budgeting — don’t spend money you don’t have.

Now you know a little more about budgeting, but more important, you understand that while living comfortably has a lot to do with managing your money, creativity helps, too. With a little more forethought, you can alleviate financial stress and have more fun at the same time.

The Truth About Budgeting

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CNN Money.” May 4, 2010. (Sept. 30, 2011) http://money.cnn.com/galleries/2010/moneymag/1003/gallery.Best_advice.moneymag/index.html

CNN Money. “Ideal Budget.” (Sept. 30, 2011) http://cgi.money.cnn.com/tools/budget101/budget_101.jsp

CNN Money. “Making a Budget.” (Sept. 30, 2011) http://money.cnn.com/magazines/moneymag/money101/lesson2/index.htm

Dunleavey, MP. “5 Steps to Fix a Broken Budget.” MSN Money. (Sept. 30, 2011) http://articles.moneycentral.msn.com/SavingandDebt/LearnToBudget/5StepsToFixABrokenBudget.aspx

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Jaffe, Chuck. “Americans’ Latest Problem: ‘Frugal Fatigue.'” Marketwatch. Feb. 9, 2011. (Sept. 30, 2011) http://www.marketwatch.com/story/americans-latest-problem-frugal-fatigue-2011-02-09

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Holmes, Jamie. “Why Can’t More Poor People Escape Poverty?” TNR. June 6, 2011. (Sept. 30, 2011) http://www.tnr.com/article/environment-energy/89377/poverty-escape-psychology-self-control?page=0,0

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Lagorio, Christine. “How to Create a Personal Financial Statement.” Inc. Feb. 15, 2010. (Sept. 30, 2011) http://www.inc.com/guides/create-personal-financial-statement.html

MSN Money. “Big Night Out, Small Price Tag.” (Sept. 30, 2011) http://articles.moneycentral.msn.com/SavingandDebt/SaveMoney/BigNightOutSmallPriceTag.aspx

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Muther , Christopher. “Fighting Frugal Fatigue.” Boston. Nov. 19, 2009. (Sept. 30, 2011) http://www.boston.com/lifestyle/articles/2009/11/19/fighting_frugal_fatigue/

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Tuttle, Brad. “145 Money Tips: Get Free DVDs, Avoid Bad Restaurants, Save Money & Mother Nature at the Same Time.” Time Moneyland. Sept. 16, 2011. (Sept. 30, 2011) http://moneyland.time.com/2011/09/16/145-money-tips-get-free-dvds-avoid-bad-restaurants-save-money-mother-nature-at-the-same-time/

Tuttle, Brad. “Survey: The Frugal ‘New Normal’ Has Become the Norm.” Time Moneyland. Sept. 29, 2011. (Sept. 30, 2011) http://moneyland.time.com/2011/09/29/survey-the-frugal-new-normal-has-become-the-norm/

Weston, Liz Pulliam. “Live Well Without Busting Your Budget.” MSN Money. (Sept. 30, 2011) http://articles.moneycentral.msn.com/SavingandDebt/LearnToBudget/LiveWellWithoutBustingYourBudget.aspx

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Weston, Liz. “The 50/30/20 Budget Fix.” MSN Money. Jan. 18, 2011. (Sept. 30, 2011) http://money.msn.com/how-to-budget/how-much-should-you-spend-on-weston.aspx