53 Ways You Can Embrace Frugal Living Today

For a few of us, frugality comes naturally. However for others, frugal dwelling 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 informed you dwelling frugally doesn’t need to be painful or boring? And—what if I additionally informed you it might carry monetary peace, safety, and even freedom? It’s true. A frugal way of life can present all this and extra.

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

Why Embrace Frugal Residing

As somebody who’s at all times been frugal, I can vouch for the advantages of dwelling a frugal life. There are such a lot of! For individuals who want slightly extra convincing, listed here are my high causes to embrace frugality:

It is Simpler Than Incomes Extra

Frugality is the only, quickest manner to enhance your funds. When put next with increasing your income, dwelling 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 dwelling is its unimaginable energy. With a number of frugal selections, you may save hundreds of {dollars} yearly. These hundreds of {dollars} might grow to be tens and even a whole lot of hundreds when saved and invested over time. 

Think about the choices and freedom that form of cash might carry to your life. Frugality might help you get there.

It is Releasing

Being frugal can play an enormous function 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 is going to get you to monetary freedom.

Whereas a good revenue additionally performs an element, you will not get far for those who spend all of it. Frugality is the opposite half of the monetary freedom equation. Embracing it could enable you attain your objectives sooner.

It is Painless (When Accomplished Proper)

Some folks suppose frugality is troublesome and takes the enjoyable out of life. They’re simply doing it improper! The reality is—dwelling a frugal life may be utterly painless. 

The secret is to focus in your values. Reduce 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. Critically although—how will you not be ok with slashing an expense in half? Or slicing a no-longer-needed expense?

Frugal modifications like these are undeniably rewarding—each emotionally and financially. Should you’re having a tough time embracing frugal dwelling, attempt specializing in the rewards. Which may be what you could get began.

It is Enjoyable

I actually discover frugal dwelling to be numerous enjoyable. That is as a result of it is not ALL about slicing again and saving cash. The truth is, a lot of it’s about getting artistic and studying new abilities and concepts.

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

Tips on how to Embrace Frugal Residing

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

That is what I’ve achieved for you on this part. Have a learn and prepare to start out your frugal dwelling journey.

Collect Concepts

Get began by studying concerning the some ways to save cash by means of frugality. To offer 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 troublesome or drawn-out ones. This might sap you of motivation and derail the entire course of. As an alternative, choose duties which are comparatively straightforward to perform and provide you with a lift.

Hold Your Values in Thoughts

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

Tackle Greater-Worth Duties

When you tick off a few of the straightforward duties, it is time to tackle a few of the tougher 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’s going to be value it!

Tally up the Financial savings

Hold a working tally of the cash you’ve saved. (It is perhaps enjoyable to show your progress utilizing a coloring sheet or wall chart.) It will enhance your motivation to proceed working by means of 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 could 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 would repay debt, deposit it in a high-interest financial savings account or make investments it. As you watch your web value enhance, you’ll additional gasoline your need to seek out much more methods to save cash. 

53 Methods You Can Embrace Frugal Residing Immediately

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

1. Frequently revisit recurring bills

Revisit your recurring bills to see for those who can scale back, lower or optimize them. For instance: do you continue to learn that journal? Might you get away with much less cell knowledge? Revisit your bills yearly (at minimal) plus anytime your wants or life state of affairs modifications.

2. Store round and get new quotes

Yearly or so, store round and get two to 3 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 an alternative of leaving for a competitor, attempt negotiating along 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 price.

4. Pay yearly (or all upfront) as a substitute of month-to-month

Some billers provide a reduction to clients 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 possibility.

5. Pay with a bank card

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

6. Pay in money as a substitute of with a bank card

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

7. Register for refer-a-friend applications

Many billers and banks provide refer-a-friend applications the place you and/or your referred buddy obtain a bonus. Generally, the referral bonuses may be fairly profitable, so at all times examine to see in case your biller or financial institution gives them!

8. Skip prolonged warranties

Resist the alluring gross sales pitches to purchase prolonged warranties. They’re not often value it. Because you’re now a frugality knowledgeable, try to be saving sufficient to cowl any points that come up.

9. Increase your deductibles

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

10. Nice-tune your protection

Totally learn the main points of your insurance coverage insurance policies. Are you paying for protection you don’t want? For instance, jewellery and advantageous collectibles on your house 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 typically not publicly shared, so you could 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 price than you’d be capable to end up.

13. Ditch financial institution accounts with charges

So many banks now provide fee-free accounts. There’s now not any cause 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 features as a checking account. 

14. Perceive your account charges

Hold[ in thoughts that fee-free financial institution or funding accounts should have hidden costs. You would incur them for those who’re not conscious. Remember to perceive any potential charges and tips on how to keep away from them.

15. Request a price waiver

Even the very best of us make errors! Name your financial institution or brokerage to plead your case for those who 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. Put money into low-cost index funds or ETFs

Take into account investing your cash in index funds or ETFs if 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 suggest The Stock Series by JL Collins to be taught extra about this type of investing.)

17. Home hack

Wish to reside in your home without spending a dime (or near it)? Strive home hacking! Some concepts embrace: renting out your basement, taking in roommates, or Airbnbing your visitor bedrooms. You may additionally need to take into account my household’s home hack of selection—hosting international homestay students.

18. Reside in a walkable/bikeable space

Save massive on transportation prices by dwelling 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 seek out stroll, transit, and bike scores for many cities on this planet.)

19. Meal plan

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

20. Test flyers and store gross sales

Among the finest methods to save cash on groceries is to examine flyers and store gross sales. Doing so might simply prevent hundreds yearly. (Tip: use flyer apps like Flipp and Reebee to rapidly and conveniently discover the very best offers in your space.)

21. Purchase discounted meals

That is one among 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 often, and it saves us 50% or extra on high quality, still-tasty groceries. 

22. Get a freezer

Make the very best 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 received’t want to purchase groceries at common costs or look ahead to gross sales. You’ll be able to merely ‘store’ out of your freezer!

23. Reimagine leftovers

Fight meals waste and tedium by getting artistic 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 seek out recipes to your leftovers. Typically, you’ll uncover new dishes which may be even yummier than the unique dish!)

24. Clear your fridge

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

25. Cook dinner pasta (and different noodles) effectively

As an alternative of conserving your cooktop on your complete time, do this energy-efficient method:

  1. Carry the water to a boil.
  2. Drop within the pasta.
  3. Stir the pasta to stop clumping.
  4. Carry 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. Strive it for doneness.
  8. If it’s not achieved, attempt it each 2–3 minutes till absolutely cooked. 

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

26. Begin baking throughout preheating

Do you know that the majority dishes don’t require a preheated oven to start out cooking? Save vitality 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 precise temperature. This, in flip, reduces the general cooking time and vitality use.

27. Use the smallest equipment doable

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

28. Eat out at lunchtime or throughout completely happy hour

Should you get pleasure from consuming out, you may save massive by avoiding the dinnertime timeslot. Many eating places provide completely happy 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 residence

Should you can’t end your meal, ask to have your leftovers wrapped to take residence. Don’t neglect to additionally pack uneaten dipping sauces, facet dishes, and bread. They’ll get tossed anyway—why waste scrumptious meals that you simply 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 solution to attempt new eating places (and you may uncover a brand new favourite spot). However don’t neglect: being frugal is the aim. Being low cost just isn’t—so be sure you 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 expensive for what you get. By having fun with your drinks and dessert at residence, you’ll not solely save on the menu worth but in addition taxes and suggestions.

33. Bathe much less typically

This will appear bizarre or gross to some, but it surely might grow to be the norm if mentioned extra typically! Until you reside in a scorching, humid local weather, you may very seemingly bathe each different day (or much less) with out concern. 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 really wants a wash. It’s a time, vitality, and money-saving win-win throughout!

35. Grasp dry every little thing besides the smallest gadgets

Get monetary savings, vitality, and put on and tear in your laundry by cling drying and avoiding the dryer. I understand 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 subsequent tip!)

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

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

37. BYOD (Carry Your Personal Machine)

Do you know that ‘free’ or discounted cell telephones from mobile suppliers are financed through your cellphone plan? It’s not often a very good deal, so decide as a substitute to purchase your cellphone elsewhere (ideally used) then BYOD to your provider. You would 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 3 years. It’s time to cease the insanity! For the sake of your pockets (and our planet), resist this cultural norm and cling onto your units for so long as you may. 4 to 5 years is a extra cheap 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 worth. Shopping for used does require endurance and energy, but it surely often pays off. That is very true if you’re achieved with the merchandise and resell it for a similar worth or extra! It’s primarily like renting gadgets without spending a dime (or near it).

40. Use Camel Camel Camel

Should you do quite a lot of purchasing at Amazon, you’ll love Camel Camel Camel. It’s a web site that helps you monitor Amazon for worth drops on gadgets you’re keen on. When an merchandise you’re watching drops in worth, Camel Camel Camel will ship you an alert. (Tip: costs can change rapidly on Amazon, so bounce on it if 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 may earn 2x, 4x, and even 10x the conventional rebate in your purchases! (Tip: examine a number of rebate websites earlier than making purchases. Typically, the cashback quantity is considerably greater on one web site.)

42. Purchase discounted reward playing cards

Discounted reward playing cards are an effective way to save lots of much more at your favourite shops! (You should purchase them in each bodily and digital codecs.) Store for them at web sites similar to Raise, CardCash, and Cardswap. Usually, you’ll get greater reductions on reward playing cards in bigger denominations and for less-popular shops.

43. Stack methods

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

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

44. Store clearance and sale gadgets solely

Prepare your self to disregard regular-priced gadgets. As an alternative, head to the sale/clearance part of your favourite retailer or web site. You’ll usually save 25–50% on this stuff, however the reductions may be even greater. (This blows the everyday 5–10% off gives on regular-priced merchandise out of the water!)

45. Discover and use promo codes

These are getting tougher to seek out, but it surely’s at all times 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 delivery or 10% off your buy. (Tip: for those who’re additionally utilizing a rebate web site, examine the phrases and situations. Generally, utilizing a coupon will void the cashback provide out of your rebate web site.)

46. DIY every little thing you may

Among the finest methods to save lots of loads of cash is to DIY every little thing you could. Listed below are some concepts to get you began: cooking, baking, residence, automotive upkeep and restore, renovations, haircuts, pet grooming, vegetable rising. The probabilities are infinite! (Tip: YouTube is likely one of the finest, free methods to learn to DIY absolutely anything.)

47. Mend and restore your stuff

Mending and repairing issues is, sadly, changing 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 dwelling routine!

48. Preserve your stuff

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

49. Journey as a bunch

Journey may be very expensive. Luckily, there are many methods to save lots of on holidays and journeys. Touring as a bunch is one among them. Group journey can web you worthwhile reductions by means of bulk purchases and shared lodging, and transportation.

50. Keep in Airbnbs

That is my household’s favourite type of journey lodging! Airbnbs are usually extra inexpensive than lodges. Additionally, there’s often a kitchen to cook 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 gradual journey

Sluggish journey is likely one of the finest methods to make journey extra inexpensive. How? Whenever you gradual journey, you may 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. Sluggish journey additionally provides you time and suppleness to pick out slower, extra inexpensive modes of transport.

52. Journey hack

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

53. Put your frugal dwelling pondering cap on

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


I hope this publish impressed you to embrace frugal dwelling. Whenever you reside frugally, you’ll save time and money and lighten your footprint on the Earth. What’s to not love? Take motion now by selecting one (or a number of) 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 sequence. By the interviews, my interviewees and I share our precise bills together with a plethora of frugal suggestions—from all around 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 title of her weblog! She’s significantly keen about serving to her fellow Canadians uncover and begin their journeys to FI/FIRE. | 53 Methods You Can Embrace Frugal Residing Immediately


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