I’m Frugal: Here Are My Top 30 Frugal Living Tips to Save Money


I’m super frugal, and one of my passions is sharing my frugal living tips with everyone.

Here are some of my absolute favorite frugal tips to help you get started on your journey to frugal living. 

Budget, Budget, and Budget Some More

Budget rule concept 50% needs, 30% wants and 20% savings
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Creating a budget that works and then STICKING TO IT is the best and biggest frugal tip anyone can give you.

Creating a budget gives a structure to your spending, allowing you to spend money on what you want and not on things you don’t want to spend money on. That is the definition of living a frugal life.

When You Find a Great Deal, Buy In Bulk

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Buying items in bulk when they are on sale is a great way to save money- not only do you save money, but you have to go to the store less. When an item is on sale, has a coupon, or has a great cashback deal, then grab a few.

This tip is particularly great for meat and chicken. If meat is on sale, have your butcher cut it into smaller pieces and then wrap each piece separately.

Label everything clearly! Buying large amounts of meat is usually cheaper than buying individually cut pieces.

Reduce Your Shopping Trips So That You Spend Less Time in Stores

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The more time you spend in a store, the more likely you are to spend money. Make a shopping list of the main things you need so that you have a guide to help you stay on task. (Want to save more on groceries? Here are 12 ways you can save)

Buy Items on Sale and Then Plan Your Meals Around That

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The number one way to save money at the grocery store? Plan your meals around what you buy, not the other way around.

Eat at Home

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We experiment at home! We don’t go to bakeries; we figure out something fun with the kids from home. You can make so many meals and treats at home with a little planning and creativity.

Stock Your Freezer

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Keep your freezer stocked with meals so you don’t need to get takeout when you are stressed or overwhelmed. When you cook, then double the recipes so that you have food ready to eat.

Soups freeze well and are great for this type of thing. This is particularly important before a major holiday (Pesach, anyone?) or if you are having a baby. Have freezer meals ready to go so you can save money on take-out.

Keep Old Fruit

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Keep frozen fruit and vegetables in your freezer so that you can make quick smoothies and vegetable dishes in a pinch.

You can take the slightly browning fruit (from those bananas you bought on sale and that no one eats even though your kids told you that bananas are their absolute favorite food) and freeze them for really cheap snacks and smoothies.

Avoid Cleaning Help

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We clean one floor together as a family every Sunday, and we often turn it into activities. Keeping your messy house clean helps you avoid the need for cleaning help, and being organized will often save you money.

Get the Kids Involved

Train your children from a very young age to do chores and household cleaning according to their ability. Have a list of things that need to get done nightly, weekly, and monthly. Make it a fun family activity you can do every night.

Wear Hand-Me-Downs

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My kids and I wear really lovely hand-me-downs. You can trade with other families or shop at thrift stores to get nice clothes for you and your kids.

Decide What You Need

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I decide before each season how much of each clothing item my kids need and only buy that amount (if some of it is from hand-me-downs, even better). Sales were causing me to overbuy until I set it up this way.

Choose the Right Place to Live

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We live in an area where families are happy with little, making it easy to live below our means and for our kids to have fewer expectations. Choosing where you live is a key part of being content with your frugal life.

Turn Down the Heating and Put on a Thick Sweater

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The house doesn’t need to be warm enough to walk around in a t-shirt and bare feet in the middle of winter.

Automate Everything

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Bills, savings, fun money, etc., should all be automated. Use the extra mental bandwidth to implement money-saving systems.

When you automate, you don’t have to spend a lot of time thinking about money. Living a frugal lifestyle does not mean that you are always concerned about money.

Use the Library!

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I love the library! Having a library card is one of the biggest ways you can live cheaply; I don’t buy books anymore.

If you decide to invest in a Kindle or other e-reader, you can also get tons of free e-books online. I love using my library’s Libby App to get free books downloaded to my Kindle- no matter the time of day.

Don’t think you will only save money on books! Libraries also offer many other services- some have games you can borrow, discounted passes to museums, and many other free or cheaper things. Get a library card!

Wait 24 Hours

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Everything in the Amazon cart has to sit for 24 hrs.

Anytime you shop online- keep your stuff in the cart for 24 hours before purchasing to reduce impulse spending. An extra perk of this trick is that companies will often send you a coupon code for items you left in your cart to entice you to buy.

Shop Generic Brands

San Leandro, CA - October 18, 2017: Grocery store shelf with cans of Great Value brand vegetables. Great Value is a Walmart brand product.
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Avoid big-name brands and look for value in products instead of name recognition. Buy generic brands as a rule and only buy brand-name products when you have a coupon or if you know that the product is significantly better.

Get Freebies From Companies

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Companies and organizations give a lot of stuff away for free. Books, samples, and baby gear are just some examples of the things you can get for free.

Start your frugal living journey by signing up to get all the freebies you can. These freebies will help you spend less money on items you are not totally sure you want to buy yet.

Join Giveaway Groups

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My favorite frugal living tip is to get stuff for free. I save a good chunk of money by trying to get as much stuff for free as possible.

These groups exist in different forms and on different platforms. Some are official “Buy Nothing” Facebook groups, and some are WhatsApp or email groups. Some of the very many things that I have gotten from my neighbors include a bunk bed, a table, chairs, a dresser, and a set of shelves.

Shop Garage Sales for Old Toys

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Garage sales are a great place to get cheap stuff, especially big outdoor toys or toys made of plastic like a plastic slide, a toy kitchen, riding toys, etc. These are easy to clean and hold up well, even if a few families use them. Garage sale shopping is a great way to get expensive toys for very cheap.

Get Rid of the House Phone

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Since everyone has a cell phone, you don’t need a house phone. If you need a house phone, get a cheap prepaid cellphone for emergencies.

Go Vegan

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Cut down on meat, chicken, and fish in your diet. These are usually more expensive, and you can save money by buying healthy beans and grains instead.

Buy a Large Freezer

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I promise that your freezer will pay for itself in 6 months or less. If you have to, keep it on your patio or in your garage- anywhere you can get electricity and somewhat protect it from the elements.

Be Creative With What You Find

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For example, if you have a chest freezer, take the door off, and in an upright freezer, remove the door and turn it on its side. Drill some holes in the bottom and fill it up with dirt.

Now you have a raised garden bed that won’t kill your back. Of course, that only works if you find an old freezer, but you can go dumpster diving or drive around and see what is being given away for free.

Do Free Fun Things With Your Friends and Kids

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It’s a good thing I have tons of ideas on how to have fun on a budget. I wrote about 45 free things to do with kids indoors and nine fun things to do with kids at home.

If you don’t have kids, you can still do free stuff at home instead of going out (and spending money!). You can have a board game or even a romantic date at home.

Use Money-Saving Apps

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Spend some time signing up for Rakuten (Ebates) and Ibotta, and use cash-back apps to save money on things you are already buying.

Shop Clearance!

Young Woman Buying Used Sustainable Clothes From Second Hand Charity Shop
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When you go shopping, go to the clearance aisle first. When you shop online, look in the clearance tab first. Make it a rule never to pay full price.

Hang Your Clothes to Dry

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Using a drying rack to hang your clothes will save you money on your electricity bill, make your clothes last longer, and make you need new clothing less often. There are a lot of reasons to make the switch!

Play Safe With Credit Cards

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Credit cards can be useful tools, and some offer excellent cashback opportunities that can be used to get perks, free gift cards, or even cash back to pay your bills.

REMINDER: only use a credit card if you can afford to pay it off in full. Do not go into credit card debt just to get some perks.

Try to Get Free Electronics

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I know this is a long shot, but if you don’t care about having the newest and best, try to find someone who either cares about the latest upgrade or constantly gets free upgrades. You can then get or buy their phone or tablet cheaply.

For example, my sister-in-law’s phone broke, and the sound did not work well. She was able to get a new one for free, and I took her old one.

For the price of a pair of headphones, I have a perfectly good smartphone. Be creative in how you can do things like this.

Meal Prep to Save Money When Working Long Hours

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If you work a long day, then all you want for lunch is convenience! That often means buying lunch. Avoid the extra spending by meal prepping in advance; this is healthier for you and will save you money.

You can invest in some good lunch-packing materials to have a delicious, warm meal while working super hard.

Use Your Employer’s 401K or 403B to Invest

Portland, OR, USA - Dec 3, 2021: The 401(K) Plans page on the IRS website is seen on an iPhone. 401(k) plans are employer-sponsored defined-contribution pension accounts.
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This allows you to build investments without ever having access to the money, making it impossible for you to spend it on something else inadvertently.

If you qualify, you will find that many of your places of employment will offer these types of accounts (hopefully with a great match). Take advantage of that and use that money to create a life you love.


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Do you work or attend school outside of the home? Connect with co-workers and classmates, find out if they live close to you (or are on the way), and form a carpooling group.

Carpooling can save you money on gas and tolls and is also great for the environment!

15 Things That Are No Longer Worth It Because of How Expensive They Have Become

Portrait of beautiful young blonde woman posing and giving a kiss to the camera.
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Everything comes with a hefty price tag these days. From indulgences to essentials, the cost of living keeps rising. We used to consider certain items affordable options, but now they’ve become so expensive that they’re no longer worth it. Here are 15 things that have lost their affordability and make us wonder if they are worth it!

15 Things That Are No Longer Worth It Because of How Expensive They Have Become

28 Practical Ways Frugal People Save Lots of Money

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Image Credit: DedMityay/Shutterstock.


Saving money doesn’t have to mean saying goodbye to life’s little indulgences. With a few smart tweaks, you can stash away cash for that dream vacation, rainy day fund, or splurge-worthy purchase without feeling like you’re on a constant budget patrol.

Think of it as a side hustle that pays off without the extra hours. Whether you’re looking to conquer debt or simply boost your bank account, these tips are guaranteed to put more money in your pocket, painlessly.

28 Practical Ways Frugal People Save Lots of Money

15 Ways Frugal People Save Money on Their Grocery Bill

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High grocery prices don’t seem to be going anywhere, so it’s crucial to find ways to cut costs to help keep food costs low. Here are fifteen examples of money-saving things you can do to spend less at the grocery store.

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