Create a frugal notebook: All you need is a binder, page protectors, dividers, index cards to get started. Assemble your binder to keep your money tracking, price book, menu plan, pantry, freezer, clothing inventory lists, family schedules, gift lists, chore charts, home-maintenance schedule, cleaning routines, goals, recipes, holiday planning, etc. Each person will have their own preference on what they’d like to have in their notebook.