53 Ways You Can Embrace Frugal Living Today

For a few of us, frugality comes naturally. However for others, frugal residing conjures up photographs of a miserly, meager existence. No surprise so many tune out when the subject of frugality comes up!

However what if I advised you residing frugally doesn’t need to be painful or boring? And—what if I additionally advised you it might deliver monetary peace, safety, and even freedom? It’s true. A frugal life-style can present all this and extra.

On this article, I will share the whys and hows of frugal residing. Then, I will get you impressed and motivated by sharing my 53 favourite frugal residing suggestions. Prepared to begin saving? Let’s go!

Why Embrace Frugal Dwelling

As somebody who’s all the time been frugal, I can vouch for the advantages of residing a frugal life. There are such a lot of! For many who want a bit of extra convincing, listed here are my prime causes to embrace frugality:

It is Simpler Than Incomes Extra

Frugality is the best, quickest manner to enhance your funds. Compared with increasing your income, residing frugally is far simpler. You don’t want particular coaching, data, or instruments to save cash. Merely choose a tip and get began TODAY!

I consider frugality and saving as low-hanging fruit. Take these straightforward wins and use them to propel your funds ahead. 

It is Highly effective

Beneath the simplicity of frugal residing is its unimaginable energy. With just a few frugal decisions, you might save 1000’s of {dollars} yearly. These 1000’s of {dollars} might grow to be tens and even a whole lot of 1000’s when saved and invested over time. 

Think about the choices and freedom that form of cash might deliver to your life. Frugality can assist you get there.

It is Releasing

Being frugal can play an enormous position in serving to you attain monetary freedom. How? It will increase the hole between your revenue and bills. This hole is your financial savings. When invested correctly, your financial savings are what’s going to get you to monetary freedom.

Whereas an honest revenue additionally performs an element, you will not get far in the event you spend all of it. Frugality is the opposite half of the monetary freedom equation. Embracing it might probably enable you to attain your targets sooner.

It is Painless (When Executed Proper)

Some individuals assume frugality is tough and takes the enjoyable out of life. They’re simply doing it flawed! The reality is—residing a frugal life might be fully painless. 

The hot button is to focus in your values. In the reduction of laborious on issues you do not worth. Then, get pleasure from spending on stuff you do. That is the key to frugality with out deprivation.

It is Rewarding

Possibly I am a cash geek, however I discover frugality and saving to be extremely rewarding. Significantly although—how will you not be ok with slashing an expense in half? Or chopping a no-longer-needed expense?

Frugal adjustments like these are undeniably rewarding—each emotionally and financially. In the event you’re having a tough time embracing frugal residing, attempt specializing in the rewards. Which may be what it’s essential to get began.

It is Enjoyable

I actually discover frugal residing to be numerous enjoyable. That is as a result of it isn’t ALL about chopping again and saving cash. Actually, a lot of it’s about getting inventive and studying new expertise and concepts.

Additionally, it typically requires connecting with and studying from others. This, too, can deliver extra enjoyable and delight into your life. All of this simply makes frugality much more rewarding!

How you can Embrace Frugal Dwelling

So, now you already know the whys of frugal residing. It is time to be taught how one can begin embracing this lifestyle. It isn’t laborious—particularly in the event you break it into manageable steps. 

That is what I’ve finished for you on this part. Have a learn and prepare to begin your frugal residing journey.

Collect Concepts

Get began by studying concerning the some ways to save cash by frugality. To provide you some concepts, I’ve listed my 53 finest frugal suggestions within the subsequent part. If that is not sufficient, there are many web sites, podcasts, and books on the subject. 

Begin Thoughtfully

Attempt to be considerate when selecting your preliminary money-saving duties. Do not begin with overly tough or drawn-out ones. This might sap you of motivation and derail the entire course of. As a substitute, choose duties which can be comparatively straightforward to perform and offer you a lift.

Hold Your Values in Thoughts

When contemplating frugal concepts, all the time maintain your values in thoughts. As talked about, that is the easiest way to forestall emotions of deprivation. You will additionally acquire a better sense of satisfaction when your frugal choices are true to your values. In flip, it will inspire you to maintain going.

Tackle Larger-Worth Duties

When you tick off among the straightforward duties, it is time to tackle among the more durable ones. They could require extra effort and time to finish, however they’ll often make up for it with greater financial savings. Make the leap and go for it—it will be value it!

Tally up the Financial savings

Hold a operating tally of the cash you’ve saved. (It is likely to be enjoyable to show your progress utilizing a coloring sheet or wall chart.) This can improve your motivation to proceed working by your money-saving duties.

Make Plans for the Financial savings

Begin planning to place your financial savings to work (or get pleasure from a portion of it)! This will additionally assist to maintain your motivation excessive and feed the virtuous cycle of frugality. 

Put the Financial savings to Work

Lastly, it’s time to place your newly-gained financial savings to work. You might repay debt, deposit it in a high-interest financial savings account or make investments it. As you watch your web value improve, you’ll additional gasoline your need to search out much more methods to save cash. 

53 Methods You Can Embrace Frugal Dwelling In the present day

Okay, now we have got the whys and the hows of frugal residing lined. Are you pumped up and able to begin saving? In no explicit order, listed here are my 53 favourite frugal residing suggestions that will help you lower your expenses and spend much less. (And perhaps even attain FIRE (financial independence, retire early!)

1. Commonly revisit recurring bills

Revisit your recurring bills to see in the event you can cut back, minimize or optimize them. For instance: do you continue to learn that journal? Might you get away with much less cell information? Revisit your bills yearly (at minimal) plus anytime your wants or life scenario adjustments.

2. Store round and get new quotes

Yearly or so, store round and get two to a few new quotes in your recurring bills. Switching to a competitor or making the most of promotions might prevent a whole lot.

3. Ask for loyalty reductions

As a substitute of leaving for a competitor, attempt negotiating together with your biller. Name and ask to talk to the retention division. Point out how lengthy you’ve been a buyer, then negotiate for a reduction or get them to fulfill (or beat) a competitor’s fee.

4. Pay yearly (or all upfront) as an alternative of month-to-month

Some billers provide a reduction to prospects who pay their invoice every year or all upfront versus month-to-month. Insurance coverage, on-line companies, and a few medical companies typically provide this cost choice.

5. Pay with a bank card

Maximize your spending by paying with a rewards bank card. Even higher—use a card that provides higher-earning classes. (For instance, groceries, gasoline, eating places.)

6. Pay in money as an alternative of with a bank card

Typically, smaller companies will provide a reduction in the event you pay in money or together with your debit card. (This tip goes in opposition to my earlier tip. However in some instances, the financial savings are better than any bank card rewards you may earn.) 

7. Register for refer-a-friend packages

Many billers and banks provide refer-a-friend packages the place you and/or your referred good friend obtain a bonus. Generally, the referral bonuses might be fairly profitable, so all the time test to see in case your biller or financial institution affords them!

8. Skip prolonged warranties

Resist the alluring gross sales pitches to purchase prolonged warranties. They’re hardly ever value it. Because you’re now a frugality skilled, you have to be saving sufficient to cowl any points that come up.

9. Increase your deductibles

That is a straightforward approach to doubtlessly save a whole lot in your insurance coverage. Increase your deductibles as excessive as you possibly can afford. Your protection will stay the identical, however your coverage premiums gained’t—they’ll be less expensive!

10. Positive-tune your protection

Completely learn the small print of your insurance coverage insurance policies. Are you paying for protection you don’t want? For instance, jewellery and wonderful collectibles on your property insurance coverage; rental automotive protection in your automotive insurance coverage. Take away pointless protection and benefit from the financial savings!

11. Ask about reductions

Most insurance coverage firms provide senior, group, company, alumni, or profession-specific reductions. These reductions are generally not publicly shared, so chances are you’ll must ask to entry them.

12. Use an insurance coverage dealer

When buying insurance coverage or making use of for a mortgage, you’ll typically do higher by working with a dealer. Brokers can entry quotes from a number of firms. Meaning they’ll typically discover you a greater fee than you’d be capable of end up.

13. Ditch financial institution accounts with charges

So many banks now provide fee-free accounts. There’s now not any purpose to make use of accounts with charges or minimal steadiness necessities. You can even do even higher than that! Attempt to discover a no-fee account that pays you high interest and capabilities as a checking account. 

14. Perceive your account charges

Hold[ in thoughts that fee-free financial institution or funding accounts should still have hidden expenses. You might incur them in the event you’re not conscious. You’ll want to perceive any potential charges and learn how to keep away from them.

15. Request a price waiver

Even the most effective of us make errors! Name your financial institution or brokerage to plead your case in the event you slip up and are charged an account or transaction price. Typically, they’ll provide a one-time price waiver. It’ll price you a gentle scolding and a promise to not do it once more—but it surely’s value it!

16. Spend money on low-cost index funds or ETFs

Think about investing your cash in index funds or ETFs while you’re able to put your financial savings to work. They’re efficient, straightforward to make use of, and the charges are ultra-low. (Tip: I extremely advocate The Stock Series by JL Collins to be taught extra about this type of investing.)

17. Home hack

Need to stay in your own home without spending a dime (or near it)? Attempt home hacking! Some concepts embody: renting out your basement, taking in roommates, or Airbnbing your visitor bedrooms. You may additionally wish to contemplate my household’s home hack of selection—hosting international homestay students.

18. Dwell in a walkable/bikeable space

Save huge on transportation prices by residing in an space that’s walkable and/or bikeable. By avoiding the necessity for a automotive, you’ll lower your expenses, get more healthy and assist the setting! (Tip: go to to search out stroll, transit, and bike scores for many cities on the earth.)

19. Meal plan

Plan your meals one to 2 weeks at a time, basing your meals on what’s on sale (see the following tip under). This frugal residing ability not solely saves you cash however time and stress as nicely. (No extra coming dwelling and questioning what’s for dinner!)

20. Verify flyers and store gross sales

Probably the greatest methods to save cash on groceries is to test flyers and store gross sales. Doing so might simply prevent 1000’s yearly. (Tip: use flyer apps like Flipp and Reebee to rapidly and conveniently discover the most effective offers in your space.)

21. Purchase discounted meals

That is certainly one of my favourite frugal hacks! Search for companies like Flashfood or Imperfect Foods. They promote close-to-expiry, ugly, or overstocked meals at closely discounted costs. We use Flashfood usually, and it saves us 50% or extra on high quality, still-tasty groceries. 

22. Get a freezer

Make the most effective of gross sales by stocking up and shopping for in bulk—then retailer the surplus in your freezer for future use. By doing this, you gained’t want to purchase groceries at common costs or watch for gross sales. You may merely ‘store’ out of your freezer!

23. Reimagine leftovers

Fight meals waste and tedium by getting inventive and reimagining your leftovers. For instance, flip a roast hen into hen noodle soup, hen salad sandwiches, or fried rice. (Tip: look on-line to search out recipes to your leftovers. Typically, you’ll uncover new dishes which may be even yummier than the unique dish!)

24. Clear your fridge

In the event you discover your meals’s spoiling ahead of anticipated, do this easy repair: clear your fridge. You’ll possible discover this fixes the issue. You’ll save your meals from an premature early demise, and also you’ll lower your expenses!

25. Prepare dinner pasta (and different noodles) effectively

As a substitute of preserving your cooktop on the whole time, do this energy-efficient approach:

  1. Convey the water to a boil.
  2. Drop within the pasta.
  3. Stir the pasta to forestall clumping.
  4. Convey the water again to a boil, then flip off the warmth.
  5. Put the lid on the pot.
  6. Let the pasta soak for 10 minutes.
  7. Attempt it for doneness.
  8. If it’s not finished, attempt it each 2–3 minutes till absolutely cooked. 

Be aware: I realized this cooking approach from “The Complete Tightwad Gazette.” It’s the bible of frugal residing!

26. Begin baking throughout preheating

Do you know that almost all dishes don’t require a preheated oven to begin cooking? Save power and time by placing your dish into the oven when it’s nonetheless chilly. Throughout preheating, your meals will slowly come as much as the best temperature. This, in flip, reduces the general cooking time and power use.

27. Use the smallest equipment potential

If a smaller equipment will get the job finished, use that as an alternative of a bigger one. For instance: use the toaster oven as an alternative of the wall oven, the Instantaneous Pot as an alternative of a pot on the range, the hand mixer as an alternative of the stand mixer. This protects you power and, in flip, cash!

28. Eat out at lunchtime or throughout joyful hour

In the event you get pleasure from consuming out, you might save huge by avoiding the dinnertime timeslot. Many eating places provide joyful hour specials or the identical meals at a reduction for lunch. As a bonus, you’ll additionally keep away from dinnertime crowds!

29. Share meals

My household can often refill on three restaurant dishes between the 4 of us. A typical restaurant dish prices $20 or extra (plus tax and tip). Sharing dishes can add as much as important financial savings and helps to keep away from overeating!

30. Take leftovers dwelling

In the event you can’t end your meal, ask to have your leftovers wrapped to take dwelling. Don’t neglect to additionally pack uneaten dipping sauces, facet dishes, and bread. They’ll get tossed anyway—why waste scrumptious meals that you just spent your hard-earned cash on? 

31. Use coupons and group offers

Don’t be shy about discovering and utilizing coupons and group offers when consuming out. They’re a enjoyable and frugal approach to attempt new eating places (and you might uncover a brand new favourite spot). However don’t neglect: being frugal is the purpose. Being low cost will not be—so be sure to tip on the undiscounted quantity!

32. Keep away from ordering drinks and desserts

Drinks (alcoholic or not) are sometimes essentially the most marked-up gadgets on restaurant menus. Desserts have a decrease markup however are nonetheless pricey for what you get. By having fun with your drinks and dessert at dwelling, you’ll not solely save on the menu value but additionally taxes and suggestions.

33. Bathe much less typically

This may increasingly appear bizarre or gross to some, but it surely might grow to be the norm if mentioned extra typically! Except you reside in a sizzling, humid local weather, you might very possible bathe each different day (or much less) with out subject. Your pores and skin, pockets, and the planet will thanks for it! 

34. Wash your laundry much less typically

Not solely are you able to wash your physique much less typically, however the identical goes to your laundry! Clothes, towels, and bedding don’t should be washed after each use. If the merchandise nonetheless smells and appears clear, maintain carrying or utilizing it till it actually wants a wash. It’s a time, power, and money-saving win-win throughout!

35. Cling dry all the pieces besides the smallest gadgets

Lower your expenses, power, and put on and tear in your laundry by grasp drying and avoiding the dryer. I notice it may be a ache to hold up many small gadgets. So, reserve your dryer for socks and different tiny gadgets. (Don’t neglect to throw your hang-dried towels within the load—see the following tip!)

36. Add dry towels and dryer balls to your dryer hundreds

To melt your ‘crunchy’ hang-dried towels, pop them within the dryer together with your damp laundry. The moisture from the moist laundry will soften the towels. And the towels and dryer balls will velocity up drying time and fluff up the remainder of your laundry. (It actually works!)

37. BYOD (Convey Your Personal Machine)

Do you know that ‘free’ or discounted cell telephones from mobile suppliers are financed by way of your telephone plan? It’s hardly ever deal, so decide as an alternative to purchase your telephone elsewhere (ideally used) then BYOD to your service. You might simply save a whole lot this manner.

38. Hold your units longer

So many people have fallen into the ‘regular’ routine of upgrading our units each two to a few years. It’s time to cease the insanity! For the sake of your pockets (and our planet), resist this cultural norm and grasp onto your units for so long as you possibly can. 4 to 5 years is a extra affordable lifespan for telephones (and 5 or extra years for tablets).

39. Purchase used

All the time store the used market first! Even like-new gadgets promote for a fraction of their unique buy value. Shopping for used does require endurance and energy, but it surely often pays off. That is very true while you’re finished with the merchandise and resell it for a similar value or extra! It’s primarily like renting gadgets without spending a dime (or near it).

40. Use Camel Camel Camel

In the event you do a variety of procuring at Amazon, you’ll love Camel Camel Camel. It’s an internet site that helps you monitor Amazon for value drops on gadgets you’re desirous about. When an merchandise you’re watching drops in value, Camel Camel Camel will ship you an alert. (Tip: costs can change rapidly on Amazon, so bounce on it while you get an alert!)

41. Use rebate websites

Join rebate websites like Rakuten, Mr. Rebates, and Great Canadian Rebates. These websites help you earn money again in your on-line purchases. Look ahead to bonus occasions when you possibly can earn 2x, 4x, and even 10x the traditional rebate in your purchases! (Tip: test a number of rebate websites earlier than making purchases. Typically, the cashback quantity is considerably increased on one web site.)

42. Purchase discounted present playing cards

Discounted present playing cards are a good way to avoid wasting much more at your favourite shops! (You should buy them in each bodily and digital codecs.) Store for them at web sites reminiscent of Raise, CardCash, and Cardswap. Usually, you’ll get greater reductions on present playing cards in bigger denominations and for less-popular shops.

43. Stack methods

For optimum financial savings, stack each money-saving procuring technique that’s obtainable to you. Right here’s how:

  1. Pay to your discounted present playing cards with a rewards bank card.
  2. Use a rebate web site to earn money again in your buy.
  3. Use a reduced present card to pay for the acquisition.

44. Store clearance and sale gadgets solely

Practice your self to disregard regular-priced gadgets. As a substitute, head to the sale/clearance part of your favourite retailer or web site. You’ll sometimes save 25–50% on this stuff, however the reductions might be even increased. (This blows the everyday 5–10% off affords on regular-priced merchandise out of the water!)

45. Discover and use promo codes

These are getting more durable to search out, but it surely’s all the time value a attempt. Search on-line for promo, low cost, or coupon codes for the shops you store at. Usually, these coupons will get you free transport or 10% off your buy. (Tip: in the event you’re additionally utilizing a rebate web site, test the phrases and situations. Generally, utilizing a coupon will void the cashback provide out of your rebate web site.)

46. DIY all the pieces you possibly can

Probably the greatest methods to avoid wasting loads of cash is to DIY all the pieces that you may. Listed here are some concepts to get you began: cooking, baking, dwelling, automotive upkeep and restore, renovations, haircuts, pet grooming, vegetable rising. The probabilities are countless! (Tip: YouTube is without doubt one of the finest, free methods to discover ways to DIY absolutely anything.)

47. Mend and restore your stuff

Mending and repairing issues is, sadly, turning into a relic of the previous. That is horrible for our wallets and the setting. Fortunately, the right to repair movement is gaining steam. Combat again in opposition to disposable tradition. Flip mending and repairing into a standard a part of your frugal residing routine!

48. Preserve your stuff

Sustaining your stuff goes hand-in-hand with the earlier tip. Maintain your belongings and usually preserve them. It would prevent cash and stop the necessity to mend or restore them within the first place. (Tip: set recurring reminders in your telephone so that you don’t neglect to handle routine upkeep duties.)

49. Journey as a gaggle

Journey might be very pricey. Fortuitously, there are many methods to avoid wasting on holidays and journeys. Touring as a gaggle is certainly one of them. Group journey can web you invaluable reductions by bulk purchases and shared lodging, and transportation.

50. Keep in Airbnbs

That is my household’s favourite type of journey lodging! Airbnbs are sometimes extra reasonably priced than motels. Additionally, there’s often a kitchen to prepare dinner or reheat meals (which saves cash on consuming out). We additionally love that Airbnbs are precise houses. This offers us a extra genuine journey expertise. 

51. Embrace sluggish journey

Gradual journey is without doubt one of the finest methods to make journey extra reasonably priced. How? Whenever you sluggish journey, you possibly can unfold out the price of transportation (e.g., flights, trains, and so on.) throughout many extra days. This brings your per-day price manner down. Gradual journey additionally provides you time and adaptability to pick out slower, extra reasonably priced modes of transport.

52. Journey hack

Travel hacking is the method of incomes bank card factors to pay to your journey bills. You might find yourself paying little or nothing for flights, motels, and different bills. It’s a unbelievable approach to flip your common spending into free or discounted journey!

53. Put your frugal residing pondering cap on

This closing tip will enable you to transcend the ideas on this publish. Anytime you’re confronted with a spending choice, get inventive. Ask your self the way you may be capable of do it extra frugally. Over time, you’ll get higher and higher at it. (It’s like exercising a muscle—so observe typically for finest outcomes!)


I hope this publish impressed you to embrace frugal residing. Whenever you stay frugally, you’ll save time and cash and lighten your footprint on the Earth. What’s to not love? Take motion now by choosing one (or just a few) suggestions from this text and get began!

Whenever you’re able to be taught much more methods to save cash, go to my How Much Does it Cost to Live the FIRE Life interview collection. By the interviews, my interviewees and I share our precise bills together with a plethora of frugal suggestions—from everywhere in the world!


Chrissy is the blogger behind Eat Sleep Breathe FI ( and one of many co-hosts of the Discover FI Canada podcast. She eats, sleeps, and breathes monetary independence—therefore the identify of her weblog! She’s notably obsessed with serving to her fellow Canadians uncover and begin their journeys to FI/FIRE. | 53 Methods You Can Embrace Frugal Dwelling In the present day


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