Six Strategies for Frugal Living

Reducing spending and increasing savings can provide you with increased flexibility in managing your finances. Implementing strategies for living more frugally can help you to achieve your short and long-term goals and can ensure that you have the cash reserves necessary to deal with emergencies and expenses as they arise. Here are six proven strategies for lowering your personal cost of living and achieving a greater measure of financial independence.

Eliminate Your Cable Bill

With the advent of online streaming video, you may be able to abandon cable television subscription services altogether. Most of the content available on cable can be obtained through a combination of rooftop or set-top antenna and streaming video services that typically cost much less than all but the most basic cable packages. By opting out of cable or satellite television service, you can potentially save hundreds of dollars in a single year.

Downsize Your Home

Moving to a smaller house or apartment can not only reduce your rent; it can also lower your utility bills to a significant degree. While this strategy is not suitable for larger families, it can have a major impact on expenditures for individuals and couples who are committed to a more frugal lifestyle.

Grow Your Own Food

Planting a garden in your backyard, on your deck or in window planters can provide you with fresh, delicious vegetables and can reduce your grocery bills to a surprising degree. Fresh produce can be expensive. By growing your own veggies and herbs, you can lower your cost of living while improving the quality of food available for you and your family.

Take the Bus

If you live in an urban area, public transportation can provide a cost-effective alternative to driving. As gas prices continue to increase, you can realize major savings by taking the bus to and from work. Reducing the amount of time you spend on the road can lower your monthly car insurance premiums, allowing you to save even more each month.

Buy in Bulk

Investing in a freezer can allow you to buy items on sale and store them for future use. This can add up to big savings, especially if you maintain a membership at one of the large box stores or shopping clubs in your area. These wholesale outlets offer a wide range of foods at prices lower than those generally available in local grocery stores, making them a valuable resource for frugal shoppers.

Sweat It Out

For many households, the cost of air conditioning can really turn up the heat during the summer months. By setting the thermostat a few degrees higher and using fans to cool specific areas of your home, you can save on your electric bill and avoid astronomical bills that can derail your budget.

By making a few simple changes in your current lifestyle, you can enjoy the benefits of frugal living and can ensure greater financial stability regardless of general economic conditions. These six strategies can be good first steps toward a more secure future for yourself and your family.


Achieving Academic Success Without the Stress

Mark Pieloch left the Massachusetts College of Pharmacy and Health in Boston in 1980 with a bachelor’s and a master’s, graduating magna cum laude. He went on to the University of Michigan and earned an M.B.A., again graduating magna cum laude. Excelling as a student, he discovered ways to balance the chaos of student life and succeed academically.

Finding Ways to Reduce Stress

Freshman students quickly discover that college is different. More chaotic and less structured, college life may seem overwhelming. For example, Pieloch had only been a student in Boston for a month when his car was stolen. The stress level can be tremendous, but there are ways to reduce the stress and find balance amidst the chaos.

A few basic lifestyle habits will keep the mind and body strong. Getting enough sleep is probably one of the most difficult challenges of college life, especially for students who live in a dorm. But getting enough sleep is also the most beneficial. A lack of sleep leads to poor decision making and slower thought processes. Schedule a night each week to go to bed early. Take naps when possible.

Physical exercise is also necessary. Exercise does not have to be a full-blown workout at the gym. It can be a 20-minute walk around the quad or to an off-campus eatery. Moderate exercise reduces anxiety and stress levels and enhances recuperative sleep. Avoid binge and junk-food eating. Work vegetables and fruit into your diet.

Making Study Time Count

Scheduling study time is important, but so is social and leisure time. Deadlines, exams and academic pressures take their toll. Research shows that taking breaks for leisure and social activities actually improves academic performance. Pieloch, for example, went to school in Boston, a city with a vibrant nightlife and historically significant past. Part of his college experience included exploring and experiencing Boston.

Students get as much out of the college experience as they put into it. Most schools have a variety of clubs and societies that cover every interest from poker to juggling. Writing stories or taking pictures for the school newspaper is a fun way to get involved. Many schools sponsor volunteer opportunities that are design to help other students or assist in the local community. Participating fully in college life and making new friends is part of student life not to be missed.

Studying in college presents its own challenges. A lack of privacy, noise and the temptation to procrastinate now and cram later, disrupt study time and affect information retention. Designate a time to study every day and stick to the schedule. Take 10 minute breaks every hour. Review class notes. Use highlighters to highlight essential concepts for quick review. Rewrite notes within 24 hours for maximum retention. Remember that cramming is not learning. Learning means that information becomes part of a student’s long-term memory. Cramming actually has the opposite effect because it’s a short-term memory process. Most of the information retained by cramming is quickly forgotten.

Mark Pieloch’s education and academic excellence gave him the foundation to become the successful entrepreneur he is today. With the strategies he learned in college to handle stress and balance academics, he learned not only how to excel in school, but excel in life.

Capital Humane Society Find More Homes for Pets

The new adoption center at the Capital Humane Society in Lincoln, Nebraska, was made possible by Mark Pieloch’s $1.5 million donation. The Pieloch Adoption Center is designed to increase pet adoptions and facilitate the adoption procedure, giving adopters a peaceful setting to interact with adoptable companion animals and match the right person to the right pet. The organization also works hard to educate the community and potential adopters about the best way to introduce a new pet into the home and how to properly care for their new companion for life.

Will They Get Along?

Many people who adopt shelter pets already have pets in the home. Shelters often ask adopters to bring the pet—especially a dog—from home to the shelter to meet the new playmate. First meetings may not be love at first sight, but shelter experts can usually tell whether the pets will get along. Bringing a new pet home may disrupt the household for a time, but there are ways to safely introduce pets to one another and minimize the disruptions.

The Smell Says It All

Before you bring a new pet home, obtain a blanket or some kind of article that has the new pet’s scent on it. Then let your pet sniff and investigate. Companion animals rely more on smell than any other sense, so getting them used to a new pet’s scent before the face-to-face meeting can go a long way toward soothing tensions.

Dogs Need Neutral Territory

First meetings between dogs should take place in neutral territory. Both dogs should be on a loose leash, each with a separate handler. Take a walk, keeping a safe distance between the two dogs. Let the dogs get used to being seeing one another. Let the dogs cross paths, allowing each to sniff where the other walked. If both dogs seem calm, allow a face-to-face meeting. Watch for signs of aggression and be ready to pull the leash back if necessary.

Give Cats Some Space

Before bringing a new cat home, prepare a safe, quiet room with food and water away from other pets and activities in the home. Give your new kitty time to feel safe and explore the room. Spend as much time with the cat in the safe room as possible, but don’t bring any other pets with you. Trade scented items back and forth. Depending on the cat’s personality and background, it can take anywhere from one to three weeks before the cat feels comfortable enough to leave the safe room. When introducing pets for the first time, make sure there is a safe place for the new pet to hide if needed. Make the initial meetings short and gradually lengthen them as the animals become comfortable with one another. Expect a little sparring, but don’t allow physical confrontations. Until it is clear that the cat and other pets in the household get along, allow only supervised visits. Put the cat back in the safe room when you are away.

The donation Mark Pieloch gave to the Capital Humane Society is making a tremendous difference in the lives of the homeless pets in Lincoln, Nebraska. With an animal behaviorist on staff, the shelter facilitates adoptions and professionally assists with introducing companion animals to one another. More people are adopting than ever before, enriching their own lives and the lives of the pets they bring home.

Helping Organizations Adapt to a Changing Environment

As the founder of two animal health and supplement companies, PF Inc. and PSPC Inc., Mark Pieloch has made it his mission to help animals live healthy, pain-free lives. Away from the commercial arena, he makes it a point to do more.

The entrepreneur’s $1.5 million donation to the Capital Humane Society in Lincoln, Nebraska, paved the way for the new adoption center. His generous gift to the Central Florida Animal Reserve helped the big cat sanctuary quickly repair damage from a severe windstorm. Animal and community welfare organizations face challenges every day. People like Pieloch make a difference, and so can you.

Choosing a Worthy Charity

Helping the less fortunate and stepping in when there is a need is an essential part of being human. Volunteering and donating to charitable organizations promote a sense of well-being and overall satisfaction. Millions of dollars are donated to charities every year. Before making a monetary donation, however, it’s wise to check the validity of the organization and see exactly how much money reaches its intended target.

According to Charity Navigator, a charity watchdog group, administrative costs of running a charity often far outweigh the amount given to the charity’s stated cause. Some charities are outright scams, using names similar to the long-established charitable foundations to confuse potential donors. Before giving money, it pays to learn more.

Spotting a Poorly Run Charity

There are a number of red flags to watch out for before donating money to an unfamiliar charity. Ask to see the group’s financial records. Red flags include spending excessively on fundraising events compared to money spent providing programs; a CEO with an excessively large salary; and large sums in reserve not being used. Research the background and validity of the charity in question. Every legitimate charitable organization in the United States has a tax-exempt 501(c)(3) status with the Internal Revenue Service. Confirm a charity’s tax-exempt status before giving.

Unsolicited calls from charities are very often scams. High-pressure tactics, claims of past donations and sound-alike names trick millions into giving money to scams each year. The elderly are frequent targets of this type of attack. Even when such calls are not scams, it may mean the charity is spending money hiring professional telemarketers. Anytime a solicitor calls and asks for a donation, ask that financial records be mailed to you so you can research before giving. Do not donate over the phone. If someone is using high-pressure tactics, hang up.

Giving directly to a community organization, like Mark Pieloch often does, generally ensures that the money goes to the project at hand. Many charities give donors a choice about where their donations go. Designating to a specific purpose ensures that the money doesn’t end up in a general fund that may go toward someone’s salary.

Research shows that Americans are the most giving people in the world when it comes to charitable donations. Monetary donations are vital to the growth and success of many wonderful organizations. Giving wisely ensures that the money goes where it is most needed.

Mark Pieloch Narrows Corporate Focus to PF Inc. and PSPC Inc.

With the sale of Peak Nutrition, PalaTech Laboratories and FlavorTek Inc., Mark Pieloch can focus on the processes and supply chains of PF Inc. and PSPC Inc.

To maintain quality and ensure the most effective use of corporate resources, Mark Pieloch has recently streamlined his corporate holdings and currently maintains leadership positions with PF Inc. and PSPC Inc. Pieloch has consistently created profitable corporations in the animal healthcare and pharmaceutical industry. By narrowing his focus to these two firms, Pieloch can take steps to increase profitability and ensure improved efficiency in the workplace. Additionally, the two firms can benefit from optimized supply chain arrangements that reduce expenses while maximizing revenues. This will allow increased control over budgeting and will provide added funding for the development of new products for dogs, cats and other companion animals.

Maintaining Pet Health With Animal Pharmaceutical Expert Mark Pieloch

As a professional pharmacist and developer of animal pharmaceutical products, Mark Pieloch understands the importance of proper care in maintaining pet health.

Mark Pieloch has devoted his pharmaceutical career to the health and well-being of pets. His in-depth understanding of the nutritional and veterinary needs of these companion animals gives him a unique insight into the proper care procedures for dogs, cats and horses. Ensuring that pets receive the required and recommended annual shots, heartworm treatments and other preventive care can help animals live longer and enjoy better health with lower risk of serious illnesses. By arranging for regular veterinary check-ups, shots and treatments for chronic and acute diseases, pet owners can help their beloved four-legged companions stay healthier and happier throughout their lives.

Preserving Pet Health Motivates Mark Pieloch to Support Local Shelters

Mark Pieloch has been looking out for the welfare of companion pets for years in his role as the owner and head of several firms specializing in animal pharmaceuticals. This close connection with animals has also inspired Pieloch to make several large donations to animal shelters, big-cat rescues and pet-welfare organizations. By supporting the work of these shelters, Pieloch can give back to the pet owners and dogs, cats and horses who make his business ventures possible. Focusing on the welfare of homeless and needy pets allows Pieloch to make a real difference in the lives of these four-legged companions. He endeavors to help organizations find dogs and cats forever homes with loving owners.