Saving money means living life in a frugal way and most people take it as sacrifice of quality of life. However, experts say that frugality means reducing the chances of being out of money when you need it most. The general assumption is money brings happiness as you can spend it anywhere, but it does not make you that happier. Unnecessary spending causes impediment to building of emergency cushion. The concept of frugality means being smart with your money and living a simple and fulfilling life.Nowadays many people rely on short-term loans such as loans for bad credit and no guarantor loans and if you want to borrow money from British-lenders.uk a private direct lender in the UK and they blame to low wages and high living cost, but the other prominent reason for reliance on loans to make ends meet is lack of money management skills. If you continue to spend money on things you do not need, your savings will go smaller and smaller. It is essential that you know how you can avoid spending a large chunk of money. There are some scientific evidence that has proved spending more does not do you any good.Longer vacationsLonger vacations are no better than shorter vacations. If you are making longer trips, a large portion of your money goes down the drain. You will spend more money on hotels, transportation, entertainment and restaurants. Science has proved that when you go on a long trip, you experience more and more things that blend into one vague memory and therefore you are likely to miss one or more standout moments. Shorter vacations are best if you want to remember those moments. Try to cut your vacation time and prefer staycations as this will help you save your money.Equipment to increase room temperatureAccording to medical practitioners, the ideal room temperature for best sleep is 60-67 Fahrenheit. Body temperature regulates throughout the day, which means it rises and falls. When you sleep, your body temperature falls and a colder room is helpful to maintain that level of body temperature. Winters are approaching and many people will set their room temperature over 70-degree Fahrenheit.Keeping such a high temperature will not only deteriorate your best sleep but also add up to energy bills. High energy bills are one of the reasons for taking out loans. Why not save your money in bills when you can install a programmable thermostat? Set it to a lower temperature to save your bills and improve your sleep. Further many people suffer from insomnia and spend millions of pounds in drugs and prescriptions. Why waste money in such expensive prescriptions if you can use a scientific based method to improve your sleep?Organic foodThe demand for organic food is very high among people as they think that they are more nutritious, but a study has revealed that there is no much difference between the nutritious level of organic food and conventional food. If you want to make a decision based on your health, there is no straightforward evidence that proves that organic food is better than non-organic though the level of pesticide exposure is lower in case of former.You do not need to spend money in buying organic food because they are more expensive than conventional food. Further, studies have not proved that they are a healthier choice. As long as it is about pesticides, try to properly wash fruits and groceries before cooking them and it is better if you can peel them off before consumption.Health supplementsResearch has examined the impact of health supplements that claim to prevent the progression of chronic diseases. The demand for vitamin supplements has been on the rise especially protein supplements. Studies have demonstrated that supplements are not as healthy as they claim to be. Medical practitioners have recommended that people should prefer nutritious diet to improve health. Do not waste money on nutritional supplements as the best source to gain them is food.The bottom lineIt is wise to spend money on essential things, but try to avoid spending it on things that you no longer need. Overspending reduces the size of your savings and eventually you fall short of cash. If you do not want to rely on loans for your regular expenses, make sure that you spend economically.Description: Science has proved that you do not need to spend money on longer trips, organic food, travel insurance and equipment to increase room temperature.