Life moves quickly. Most mornings, I’m juggling too many things at once, with coffee going cold and emails piling up. Living simply doesn’t mean skipping fun or watching every penny. For me, it’s about making smart choices that save time, fit my style, and help me save money without adding stress. Saving doesn’t have to feel like losing out. You can spend less and still look good, keep things simple, and stay true to yourself. It’s about picking your spots—a special treat here, a basic shirt there. In these 200 frugal living tips, you’ll find easy advice on shopping, cooking, decorating, fashion, and more. I use this guide every day to live well.
Trying to juggle work deadlines, family plans, and self-care leaves little time for comparing price tags or hunting for sales. The truth? Most resourceful habits are baked right into daily routines. Step by step, you can save more without the grind. The list below is full of real-life; low-effort moves that add up—and support your chic, busy lifestyle.
1. Move 10 minutes further from the city.
Living closer to downtown doesn’t always buy happiness (or savings). Scout the outer edges—10 minutes further could mean hundreds off your rent or mortgage, while staying connected to transit and major highways. You lose nothing in commute time, but gain a lower cost of living that really adds up.
2. Give up the office/ guest room.
How many days a year is your guest room even used? If you don’t work from home daily, it’s time to rethink the purpose of extra space. Skip the “what if” and downsize—going from 1200 to 900 or even 750 square feet can shrink your rent or mortgage in a big way. That extra square footage is just collecting dust (and draining your bank balance).
3. Airbnb your guest room/ house.
Love the idea of having space for visitors, but want it to pay its way? List your guest room—or whole place—on Airbnb when it’s not needed. If you rent, double-check your lease for fine print. If you own, you’re the CEO of your own little hotel. A steady stream of short stays can chip away at your monthly bills.
4. Get a roommate/ tenant.
For homeowners staring down a hefty mortgage, a short-term roommate can be a wallet saver. It doesn’t have to be forever—just a year or two can leave a serious dent in your remaining balance. Modern “roommate” arrangements come in all flavors: grad students, traveling nurses, young professionals, even someone you already know.
5. Refinance your mortgage.
If your mortgage feels like a slow leak on your finances, shop for a better rate. After five years of ownership, refinancing can slash your interest—check rates on trusted calculators to see the potential. Consider a 15 or 20-year term; monthly payments may edge up, but the long-term savings run in the tens of thousands. Closing costs may run $3,000–$5,000 but typically pay back in about three years.
6. Remove PMI from your mortgage.
Private mortgage insurance (PMI) is money disappearing from your account every month. Once your mortgage balance drops to 80% of your home’s original loan-to-value, ask your lender to cancel PMI. If home values have jumped in your area, request an appraisal—paying a couple hundred upfront is pennies compared to the savings each month.
7. Pay extra on your mortgage.
No PMI? Locked in a good rate? Toss extra payments at your mortgage principal. You’ll trim years off your loan and cut your interest dramatically. It won’t beat a hot stock market, but the ease and peace of mind is pretty luxe.
8. House hack.
Looking for the ultimate home hack? Buy a duplex, triplex, or quad, live in one unit, and rent out the rest. If you manage it well, the tenants cover the mortgage, and you live close to rent-free. It’s smart money and low stress—a real win-win for busy folks who don’t have time for long commutes or drawn-out house hunts.
9. Make sure you’ve filed your homestead exemption.
If your state offers a homestead exemption, grab it. This simple form can drop your property tax bill by up to 25%. Homeowners sometimes forget to apply—don’t let that be you. Verify with your county; it’s money in your pocket for as long as you own your home.
10. Appeal your property taxes.
If your property assessment looks too high, consider an appeal. Your home’s market value may lag behind its taxed value, especially if you haven’t renovated in years. Do a little research online or call a local agent before you schedule updates. Lower assessments equal lower taxes—simple math that works.
11. Negotiate your rent.
Negotiating isn’t just for bazaars or car dealers; it works for rent, too. Reliable tenants bring value to landlords, so use your history to bargain for a lower rate, or for perks like included water or trash service. Landlords want stable, responsible renters, and you’re exactly that.
12. Ask your landlord to not include utilities in the rent.
Paying utilities yourself often costs less—especially if you’re mindful about energy and water use. If your landlord includes utilities, you may be paying for your neighbor’s long showers or midnight laundry habits. Handle your own bills and watch your monthly total shrink.
13. House-sit.
Flexible schedule? Consider house-sitting. People need responsible folks to look after their homes and pets during trips or work assignments. Enjoy free living and maybe even new scenery, while saving heaps on rent.
14. Live with your parents.
Ignore the eye rolls—living with your parents can jumpstart savings fast. If everyone’s on board, a year or two of low or no rent frees up cash for paying down debt, stacking savings, or simply catching your breath.
15. Live in an RV.
RVs aren’t just for retirees on the highway. A used motorhome, a splash of white paint, and a few upgrades can create a home on wheels. Park at RV lots, travel on weekends, and when you’re done, you might even sell it at a profit. Freedom and cash in your pocket.
16. Rent studio space.
A bonus room can bring in extra cash as a part-time studio or workspace. Artists, designers, and YouTubers often need affordable space (outside their own homes). Several online platforms can connect you to creative renters looking for exactly what you have.
17. Rent storage space.
Garages, empty sheds, or even a corner of your basement can be a goldmine. People crave storage—especially if yours is cheaper than a commercial facility. List on Facebook or Craigslist to gauge demand before you invest in new storage setups.
18. Buy a reliable car.
Trends come and go, but a dependable car never goes out of style. Stick with makes known for longevity, like Toyota or Honda. Avoid the lure of “new car smell”—repairs and depreciation can kill your budget faster than any sale at the dealership.
19. Buy in the “safe” used window.
Used cars are the backbone of frugal car buying. The sweet spot? Four to ten years old. Cars drop about half their value after three to five years, but are usually still under limited warranty before hitting a decade. Stick to these years for maximum value and minimum headache.
20. Email dealers to negotiate.
Forget awkward haggling on the lot. Email dealers for offers on the exact car you want, then play them against each other. Dealerships will often drop prices further or throw in perks to seal the deal. All from your phone, while sipping coffee at home.
21. Go down to one car.
If your family can swing it, ditch the second car. Maybe your partner works from home, or you have compatible schedules. The savings on gas, insurance, and maintenance are undeniable—and make a real impact on your monthly budget.
22. Carpool to work and events.
Sharing rides isn’t just about fitting more people in your backseat. Divide gas costs, take turns driving, and build up good karma (and conversation) along the way.
23. Walk more.
That “drive from store to store in the same plaza” habit? Cut it out. Park once, walk the rest of your errands, and let your gas and sneaker budget thank you later.
24. Bike more.
You don’t have to wear head-to-toe spandex to save money on your commute. Even biking to work a few days each week cuts gas and parking fees, and you’ll feel sharper for it.
25. Use public transit.
Public transit might mean an earlier alarm, but the cost difference is crystal clear. Ubers and Lyfts drain your wallet fast—switching up your routine for even half your commute can save big money.
26. Wash your car.
Skip the automatic wash line and do it yourself at home. Saves money, uses less water, and you can detail the inside while you’re at it.
27. Buy discounted gift cards for gas.
Use platforms like Gift Card Granny to snag discounted gas cards. Stack them with rewards programs and watch your price per gallon shrink every fill-up.
28. Negotiate free oil changes.
Loyalty matters to local mechanics and dealers. Ask for complimentary oil changes, especially when making a big purchase or if negotiating the price isn’t working out. Sometimes, the answer is yes—if you ask for it.
29. Don’t speed.
Don’t let the rush cost you extra. Tickets (and insurance hikes) are money lost for the luxury of arriving five minutes sooner. Slow down, save cash, and avoid the anxiety.
30. Negotiate auto insurance.
Annual calls to insurers are key. Mention lower quotes, increased deductibles, or membership deals to lower your premium. The squeaky wheel gets the discount—don’t settle for the automatic renewal rate.
31. Raise your deductible or lower your coverage.
If your car isn’t brand new, consider bumping up your deductible to lower your monthly payment. Keep full coverage if you want total protection, but skimping here can cut your bill without sacrificing essential insurance.
32. Pay for auto insurance upfront.
Paying for the full policy period (six months or a year) often earns you a decent discount. Budget for it, and treat it like prepaying your phone—one less thing to track every month, and less spent over time.
33. Run all your errands at once.
Batching errands minimizes miles, cuts gas consumption, and shrinks your to-do list. It’s one more trick for doing more with less—more time for you, less on the road.
34. Work from home.
Even if you only score part-remote, you’ll see fewer fill-ups, less parking drama, and probably less takeout. Working from home remains the ultimate modern hack for saving money and time in a single move.
35. Get regular maintenance.
Neglect kills cars fast (and then your budget). Oil, fluids, brakes—keep them on schedule to avoid major repairs. A bit of attention now saves bills you don’t want to see later.
36. Avoid high toll roads.
If the time difference isn’t wild, avoid expensive toll routes. Even alternating between toll and non-toll trips saves hundreds a year.
37. Learn to cook at home.
Intimidated by the kitchen? Step in, anyway. Services like Cook Smarts break it down for busy, kitchen-wary folks (step-by-step videos, substitutions, everything). Cooking is stylish, practical, and the final frontier for big savings.
38. Meal plan.
Planning eats out impulse drive-thrus and delivery. Start by scanning your fridge, then cupboards, then round out with a basic grocery list. Having a plan makes takeout look less tempting.
39. Meal prep.
Chop, marinade, and pack ahead. Sundays go smoother with a fridge full of ready-to-cook ingredients. Meal prepping means you don’t need superhero levels of motivation after a long workday.
40. Stick to your grocery list.
Impulse snacking is where grocery budgets balloon. Stick to your list, and let the indulgent extras earn their way on next week. Treats are fine—if they’re planned.
41. Double recipes to freeze.
Double up on family favorites, split half for the freezer. Soups, stews, casseroles—they all reheat beautifully and bail you out when you just can’t deal with another trip through the drive-thru.
43. Create a capsule pantry.
Think minimalist closet, but for dry goods. Cut down on forgotten cans that expire in the dark corners of your cupboard. Fewer ingredients, more meals, less waste.
44. Shop your pantry.
Use what you have before buying more. Set a challenge to empty those random cans and packets. When you finally restock, you’ll know exactly what you need (and nothing more).
45. Invite people over for dinner.
Going out is fun, but eating at home doesn’t have to mean missing out. Host dinners in, keep it low-key, and skip the overpriced restaurant markup. Your friends don’t care if the house is spotless—they care about company.
46. Have emergency meal supplies.
Bad days happen. Have a stash of pasta, rice, or boxed mac and cheese for nights when plans fall through. It’s the knight in shining armor for both your wallet and your sanity.
47. Cut down on meat.
Meat is usually the priciest part of the grocery run. Try one meatless meal each week, or swap for beans and hearty veggies in some recipes. Your grocery bill (and maybe your kitchen creativity) will thank you.
48. Only buy meat on sale.
When you do buy meat, make it a rule: If it’s not on sale, it’s not coming home. Freeze the extras to stock up without blowing your budget.
49. Repurpose leftovers.
Don’t settle for another sad microwaved plate. Use leftover chicken in tacos, stir-fry old veggies with eggs, and give last night’s rice a fresh twist. Less waste, more flavor.
50. Mystery shop.
Secret shopping isn’t just for the movies. Many companies pay you (or give free meals) in exchange for detailed feedback. Sign up, fill out the forms, and reap the rewards on your next night out.
51. Buy in-season produce.
Produce on sale is usually in-season, which means tastier dishes and lower prices. Use basic meal planning sites to keep up with the seasons if you’re not sure what’s peaking each week.
52. Buy your groceries online and pick them up.
Let someone else wander the aisles. Online orders cut down on impulse purchases, save you time, and often come with coupon codes. Curbside pickup at stores like Walmart is free over a certain amount, and you can see exactly what you’re spending before you check out. Fewer surprises at the register means more control over your budget.
53. Take your lunch to work.
Lunch out is where good intentions go to die (and money goes missing). Pack leftovers, prep a salad, or stow sandwich supplies at your desk. Fridge-friendly containers and a little prep on Sunday night can save you over $100 a month.
54. Make coffee at home.
Those venti lattes add up faster than you think. Create your own barista station at home. A good coffee maker (grabbed secondhand), plus quality beans and your favorite creamer, can turn mornings into a treat—without the lines or $5 price tag.
55. Earn gift cards for Starbucks or your favorite restaurants.
Swagbucks and similar apps reward simple tasks with gift cards to major chains. Even if you go out less, you don’t have to say goodbye to your vanilla latte forever—just treat yourself when it’s free.
56. Buy produce from roadside stands.
Roadside produce stands and small pop-up markets are hidden money-savers. Prices are often lower, and the food is fresher—an easy win for both your wallet and your taste buds.
57. Grow your own herbs.
Fresh herbs can make a dish sing but buying them every week is a silent budget killer. Grow mint, basil, or parsley in a sunny window. Snip just what you need and skip the wasted wilted bunches in the fridge.
58. Cook with the season.
Match your recipes to the season and your utility bill will thank you. Grill and use the Instant Pot in the summer to avoid heating up the house; roast and bake more in winter, using your oven’s warmth for double duty.
59. Have kids buy their own snacks.
Put an end to the snack-time Olympic trials. Give kids a snack budget, in cash or as an allowance, and let them pick and purchase what they want. They learn the value of a dollar and you learn to say “that’s your decision.”
60. Share a meal or eat an appetizer at the restaurant.
Dining out doesn’t need to bust your budget. Split an entrée, pick a round of appetizers, or focus on the specials. Save on both the bill and the waistline—win, win.
61. Limit grocery shopping to once per week.
Those extra pit stops for “one thing” always end in impulse buys. Make one comprehensive shopping trip, then lock it down for the week. If you forget something, write it down for next time—this simple routine adds up to big savings.
62. Get Groupons for restaurants
Before making dinner plans, check for restaurant deals on Groupon. There are always discount codes for local eats, from pizza to date-night bistros. Every meal out with a deal feels a little more luxe.
63. Carry snacks.
A purse with snacks is a 21st-century power move. Keep granola bars or trail mix handy for you and your crew to avoid convenience store markups and drive-thru detours.
64. Shop at a new store.
Mixing up where you shop—from high-end grocery chains to Aldi or neighborhood markets—resets your spending autopilot. New aisles and unfamiliar brands break the cycle of tossing unplanned extras into your cart.
65. Cut back on alcohol.
Dropping the “just one more drink” habit is a quick route to savings. Stick to happy hours, opt for house pours, or keep your favorite bottle at home for company. You’ll notice a fatter bank account and likely sleep better, too.
66. Try generic.
Brand loyalty is so last decade. Many generic products rival name brands in taste and quality. Challenge yourself to swap a few staples and see which, if any, you really miss.
67. Use the “any item” rebates on Ibotta.
Use cash-back apps like Ibotta that offer rebates on any brand, any item. You’ll get a small kickback for just buying what you were already planning to purchase, no coupon clipping required.
68. Search for coupons for your favorite items.
Before you click “buy,” run a quick search for coupons. Five minutes on Google or Ibotta can net you discounts that stick around every time you shop.
69. Drink more water.
Hydration keeps hunger pangs down and helps you skip pricey drinks and snacks. Get a reusable bottle you love and keep it by your side.
70. Stop buying bottled water.
Invest in a good water filter and stick to reusable bottles. It’s easier on your wallet (and the Earth), with savings showing up after just a month or two of skipping store-bought packs.
71. Negotiate your bills annually.
Auto-renewal is cozy, but companies count on your distraction. Mark your calendar to call your internet, cable, and phone providers each year and ask for current promotions or price-matching deals. Small talks, big and growing savings.
72. Automate everything
Set bills to autopay. Many providers offer a small discount, and you avoid late fees and the “forgot to pay” spiral.
73. Go on a family phone plan.
Family phone plans can reduce your individual bill—sometimes by half. “Family” is flexible—invite friends, cousins, or roommates if it means more savings for all.
74. Switch to a low-cost wireless carrier.
Review your cell data use and look into prepaid plans or less expensive carriers. Many offer the same service, fewer frills, and much less pain on your monthly statement.
75. Stop bundling services.
Unbundle your cable, phone, and internet unless you use all of them. What looks like a deal often locks you into bloated bills for extras that gather dust.
76. Cancel cable.
Streaming is the new normal. Cable bills are an easy cut, especially with endless streaming options and on-demand shows. Cancel, and never look back.
77. Use your own modem and router.
Buy your own internet hardware; don’t rent. The one-time cost pays for itself in a year or less, and you get to control the speed and security.
78. Get reimbursed for outages.
If your internet or cable goes out, always call and request a credit for downtime. Even a few hours of lost service can equal dollars back.
79. Pick one video streaming service.
Don’t pay for five streaming subscriptions. Pick one, and rotate as you tire of the catalog. Deals and free trials pop up all the time for returning subscribers.
80. Share streaming services.
Netflix, Hulu, Disney+—all have family/group plans. Split the monthly cost with friends or family. Logging in with the same account is a modern twist on family movie nights.
81. Get term life insurance.
Affordable life insurance matters. Choose term life for straight-forward coverage without expensive bells and whistles.
82. Increase your deductibles.
If you’ve got enough saved, raise insurance deductibles for home, auto, or health. Monthly premiums drop right away—make sure you’re comfortable with the higher out-of-pocket risk.
83. Use Arcadia Power to save on energy costs.
Live in a deregulated energy market? Arcadia Power compares rates. If not, you can still use the service to offset part of your energy use with renewable sources.
84. Get a programmable thermostat.
Program your thermostat to match when you’re actually home. Reducing heating and AC costs is almost effortless and the change shows on your next bill.
85. Get a free home energy audit.
Most energy companies will send out an auditor for free to check insulation, windows, and appliances. Their findings can help you patch up money leaks you never noticed.
86. Use a dehumidifier to keep things cooler.
Removing extra moisture makes your home feel cooler in the summer—even if you don’t adjust the thermostat. A small investment saves on air conditioning.
87. Use ceiling fans.
Ceiling fans don’t lower the temperature but help you feel cooler. Run them counter-clockwise in summer, and comfortably keep your AC higher.
88. Manually or air-dry your dishes.
Letting dishes air dry slashes energy usage (and keeps things looking bright). Unload heavier items and stack smaller plates—the dishwasher gets used (and run) less.
89. Wear clothes twice before washing.
Unless you got sweaty or spilled pasta sauce, most clothes can be worn again. Less laundry, less detergent, and longer-lasting wardrobe basics.
90. Maintain your appliances.
Keep a maintenance calendar for your major appliances. Clean refrigerator coils, check washer filters, and avoid overloaded machines. Healthy appliances delay replacements and avoid extra costs.
91. Check your attic’s insulation.
Insulating your attic well cuts heating and cooling bills every year. Free audits can tell you the state of your insulation and identify cheap upgrades.
92. Install low flow toilets.
When it’s time to update the bathroom, install low-flow or dual-flush toilets to cut your water bill with every flush.
93. Install double-pane windows.
Upgrading to double-pane, gas-insulated windows can trim your energy bills by up to 30%. They’re a costly project upfront, but a smart investment if you plan to stay awhile.
94. Don’t dry your clothes all the way.
Dryers use a lot of energy. Air-dry clothes for the last part of the cycle (or fully) to keep them in better shape longer and save on energy.
95. Install LED lights.
LED bulbs last longer and chew up less electricity. Swap them in as existing bulbs burn out or during your next home refresh.
96. Drop the temperature on your water heater.
Check your water heater settings; manufacturers set them high. Lowering to 120-125°F is plenty warm for showers and dishes, and will save money every month.
97. Air seal your home.
A little caulk and weatherstripping go a long way. Seal around windows, doors, and any gaps to keep warm or cool air inside.
98. Keep the AC and heat off until you can’t take it.
Let your house breathe in spring and fall. Open windows before cranking AC or heat—and savor the fresh air.
99. Run appliances during off-peak hours.
Check if electricity rates are lower at night or during weekends. Do laundry and run the dishwasher when rates drop.
100. Always check Facebook Marketplace first.
Need a bookshelf, chair, or rug? Facebook Marketplace is a goldmine of near-new finds at a fraction of the cost—often in your neighborhood.
101. See if your city has a SwapShop.
Some cities have dedicated spaces for swapping household chemicals, paint, or cleaners. Free stuff, and you help keep usable goods out of the landfill.
102. Use cloth napkins.
Cloth napkins lend a bit of style and save on endless paper towels. Simple to wash and reuse, and eco-friendly, too.
103. Check out local pawn shops.
Pawn shops can surprise you. Need a blender, yard tool, or wireless speakers? Check for deals on gently used items.
104. Get cashback on your air filters.
Buy air filters online through sites like Rakuten for cashback. Combine email sign-up discounts with cashback rebate offers for even better deals on essentials.
105. Download Honey to find coupons.
The Honey browser extension auto-searches for coupon codes as you shop online. Instant savings, zero effort, and real-time price drop tracking.
106. Swap babysitting.
Childcare is a budget-buster. Team up with other parents to trade off babysitting duty—no money changes hands, and you both get a night out.
107. Attend a Home Depot workshop.
Saturday workshops teach you DIY skills for free. Learn to lay tile, install lighting, or tackle weekend upgrades that cost a fortune if you hire out.
108. Shop at the dollar store.
Check dollar-store prices on basics—cleaners, storage containers, household supplies. You can get the same items for a sliver of big-box or Amazon prices.
109. Make your own wall art.
You don’t need to spend a fortune on gallery prints. Recreate simple art you love at home with materials you already have. Bare walls get bold, personal style for less.
110. Use vinegar.
White vinegar is a cleaning MVP. Use it for windows, towels, and appliances; non-toxic, affordable, and effective.
111. Plant low-maintenance landscaping.
For a chic yard without gardener bills, opt for drought-resistant plants, mulch, and drip irrigation. Less watering, less worry.
112. Try to repair before you replace.
Before you toss a broken item, check if you can repair it. A little glue, a video tutorial, or a repair café might be all you need.
113. Use rechargeable batteries.
Rechargeable batteries reduce waste and pay themselves off after a handful of uses. Keep a backup set ready to go for remotes and toys.
114. Create a capsule wardrobe.
Move toward a capsule closet: fewer, higher quality basics that mix and match. Clear out the clutter, reduce impulse shopping, and refine your personal style.
115. Buy clothes from thredUP.
Online consignment stores let you score anything from trending brands to basics for half the price (sometimes with tags still on). Yes, you really can do fashion for less.
116. Shop at thrift stores regularly.
Don’t wait until you need something. Browsing thrift stores regularly lets you plan ahead—and grab what you need before you pay full price in a pinch.
117. Change your habits.
Smart spending starts as a habit. Focus on the psychology of habit-building, and you’ll find frugal moves get easier with repetition.
118. Join your local Buy Nothing Group.
These hyper-local gift economies are perfect for getting or giving away what you no longer need. Everything’s free, connections are strong, and your wallet never opens.
119. Teach kids the value of money.
Encourage kids to earn, spend, and save their own money—even on small things. They’ll learn quickly that money isn’t unlimited and make better choices as they grow. Whether it’s earning an allowance or buying their own toys, real-life lessons pay lasting dividends.
120. Save and reuse gift bags and tissue paper.
Gift wrap is the ultimate one-and-done expense (and almost always tossed within hours). Tuck bags and tissue away after each holiday or birthday. Over time, you’ll build a treasure chest of reusable wrap—stylish, sustainable, and totally cost-free.
121. Buy glasses and contacts online.
Brick and mortar optic shops charge boutique prices. Buy online at reputable retailers for designer frames, blue light filters, and contacts at a fraction of the price. Added bonus: plenty of online-only promo codes if you search before checkout.
122. Swap clothes with a friend.
Freshen up your closet without blowing your budget. Organize a clothing swap with friends in similar sizes. You’ll discover new staples and pass on pieces that deserve a second life.
123. Simplify your skincare/ makeup.
Skincare routines stack up quickly. Trim your routine—cut down on products, and stick with what works. Simple skin is as chic as a full face, and your wallet (and complexion) will thank you.
124. Sell & buy old clothes on Poshmark.
Give clothes you don’t wear a second chance by listing them on Poshmark. Scoop up new-to-you threads for less, and pad your wallet with the proceeds.
125. Give meaningful gifts.
Meaning trumps money every single time. Plan gifts ahead—a handwritten letter, a framed photo, something handmade or locally sourced. It’s thoughtful, personal, and lighter on your finances.
126. Purchase some items in bulk.
Bulk shopping isn’t for everyone or everything, but staples like diapers, paper towels, and soap make sense. Find your “per use” price sweet spot—stocking up means you never pay emergency mark-up prices.
127. Pay with change at self-checkout.
Spare change piles up fast. Bring it along and use it in self-checkout lanes to cover your next grocery run. It’s a painless way to squeeze extra value out of coins.
128. Practice self-care.
You can’t make sharp financial decisions if you’re frazzled and tired. Sleep, healthy meals, and small luxuries (a face mask, a walk, a solo coffee) keep your mind clear and your budget on track.
129. Sign up for newsletters.
Before you buy, sign up for your favorite stores’ newsletters. Most send out welcome discounts instantly. Just remember to unsubscribe after your purchase, or you might find yourself tempted into future splurges.
130. Find a swapmeet.
Swapmeets are a treasure map for the frugal at heart. Hunt for clothes, kitchen gadgets, and home décor—often for pennies on the dollar.
131. Shop yard sales.
Yard sale mornings are low-key adventures. Snap up seasonal gear, toys, and even small furniture for far less than retail, all while keeping useful items in circulation.
132. Shop flea markets.
Flea markets are bustling with personality and deals. Scope out unique finds, haggle like a pro, and breathe new life into old treasures.
133. Keep birthdays simple.
Skip the over-the-top party planning and focus on memorable moments. Favorite meals, backyard games, or a movie night can create joy without draining your savings or your sanity.
134. Buy Fewer Gifts at Christmas.
Simpler is better. Buy fewer (but more meaningful) gifts, plan easy meals, and cut out travel when you can. Gradual changes turn the holidays into less of a race—and more time for the moments that matter.
135. Attend a grand opening.
Grand openings mean free samples, coupons, and maybe even giveaways. Scope out the next event at your favorite grocer or shop—the freebie haul can sometimes rival your regular shopping trip.
136. Get Redbox coupons for movies.
Before movie night, sign up for Redbox deals. Free or discounted codes hit your inbox all the time—perfect for frugal family movie marathons at home.
137. Become a library lover.
Libraries aren’t just about books. You’ll find DVDs, audiobooks, streaming services, and classes—all for free. Visit your local branch or browse the online portal and discover a world of complimentary entertainment.
138. Sign up for birthday freebies.
Treat yourself each year by enrolling early for birthday deals from your favorite brands. Enjoy free coffees, desserts, meals, and more—with no guilt and zero expense.
139. Write all the free events in your area on your calendar.
Concert in the park, free museum day, sidewalk festivals—if it’s free, pencil it in. Refer back when you’re itching to get out but want to keep your wallet right where it is.
140. Plan a staycation.
Who says you need to pack a suitcase to escape? Plan a weekend in your city—visit that new park, try street food, catch a sunset. Zero hotels, zero hassle—pure refresh.
141. Play board games.
Board games are an investment in fun that pays off for years. Expand your collection slowly or borrow from friends. Modern games are engaging, stylish, and foster that sought-after face-to-face connection.
142. Go to a minor league or high school game.
Skip $200 pro-sports tickets for the local action. Minor league or school games often have all the charm—plus discounts and specials for families or students.
143. Mark free days on your calendar.
Museums, art galleries, bakeries—many spots have special free admission days or product samples. Plan your visit around these for big savings and spontaneous adventure.
144. Use credit card rewards for free travel.
Strategic use of credit card points can score you flight upgrades or free nights at hotels. Use with discipline—pay balances in full, and enjoy free travel perks as the ultimate reward.
145. Get audiobooks & ebooks for free.
Download audiobooks and ebooks from your library through apps like Overdrive, Hoopla, or Libby. Entertainment, education, and inspiration—free and on your terms.
146. Volunteer.
Give your time, not your money. Volunteering connects you with your community, builds skills, and fills your calendar with meaningful experiences that cost nothing.
147. Monetize your hobby.
Love to paint, knit, write, or craft? Sell your goods, offer classes, or start a blog. Even a small side hustle can fund your passion—or help pad your savings.
148. Go for early bird specials.
Restaurants, salons, theaters—many offer lower prices for early customers. Dine out, catch a movie, or book appointments during off-peak times to score elegant savings.
149. Find free live music.
Bands play at parks, coffee shops, and neighborhood festivals—often at no cost. Follow your city’s event listings and catch a show for the price of a coffee or a pastry.
150. Have a picnic.
Pack up a chic lunch and spread out in the park. Anything tastes better outside, and you’ll spend a fraction of what you would at a restaurant.
151. Buy season passes.
If you visit a zoo, museum, or theme park often, memberships or season tickets pay for themselves in just a show visits. Plus, enjoy members-only perks and events.
152. Find frugal friends.
Friends who value smart spending push you to new heights—and make “just hanging out” feel like the best plan on earth.
153. Go outside.
Fresh air is always trending. Try a walk, a hike, cycling, reading in the sun—most of the best things in life, including self-care, truly are free.
154. Go to the theater on Tuesday.
Most theaters offer discounted tickets midweek (often Tuesdays). Add discounted gift cards and you have a blockbuster bargain on your hands.
155. Buy prescriptions online.
Prescription delivery services save you both cash and time. Compare prices, hunt for codes, and have everything shipped (or ready for pick-up) at your convenience.
156. Start running or speed walking.
No gym needed—laced shoes and a free path are all it takes. Speed walking is joint-friendly, gets your energy up, and it’s the most stylish way to get healthy for less.
157. Use an HSA.
A Health Savings Account lets you use pre-tax dollars for medical expenses, and even invest what you don’t spend. Look for plans with employer contributions to sweeten the deal.
158. Use an FSA.
Flexible Spending Accounts are perfect for year-to-year health costs or dependent care. But use it or lose it—plan your services and purchases to maximize every pre-tax dollar.
160. Use a fitness tracker.
Your insurance might offer discounts, rewards, or rebates if you log your workouts via a fitness tracker. Added bonus: you’ll actually see how active (or sedentary) your day is.
161. Get a water filter.
A home water filter beats bottles every day. You’ll sip cleaner, tastier water at the tap, all while shrinking your grocery bill and saving space.
162. Take advantage of free check-ups.
Insurance covers more preventative health screenings than you think. Schedule those check-ups you’ve been ignoring and catch concerns before they turn expensive.
163. Join a free fitness group.
Local sports and social groups offer fresh air, exercise, and supportive friendships—for free. Join a running club or a yoga-in-the-park group and skip the gym fees.
164. Try community acupuncture.
Affordable group acupuncture clinics exist in many cities. Sessions are lower cost (and often HSA/FSA-eligible) with all the rejuvenating benefits.
165. Wash your hands.
This simple act reduces illness and cuts down on medical bills (and missed work). Good hygiene will always be chic.
166. Use a healthcare sharing program.
If traditional health insurance isn’t a fit, healthcare sharing programs offer group-supported alternatives at often much lower costs.
167. Sign up for GoodRx.
GoodRx aggregates prescription prices and coupons across local pharmacies. Always compare—sometimes the difference is eye-opening.
168. Call about medical bills.
Errors pile up, especially with complicated procedures. It’s worth every minute spent on the phone to review, clarify, and challenge any incorrect medical charges.
169. Ask for a discount when paying in full.
Many doctors and hospitals shave 10–20% off your bill if you pony up the full amount on the spot. Ask, and you’ll often receive.
170. Shop around.
Use online tools to compare prices for medical procedures ahead of time. Price transparency puts you in charge.
171. Ask about outpatient facilities.
Labs, imaging, and certain procedures can be vastly cheaper at outpatient clinics compared to hospitals. Always ask your provider for options.
172. Ask if you “need” a procedure.
Questioning tests and procedures helps you avoid unnecessary spending. It’s your right to be an informed patient.
173. Know the generic name for drugs.
Brand names cost more. When you know the generic equivalent, you’re ready to direct your pharmacist for the best-priced option.
174. Go to bed early.
Sleep is the original self-care. More sleep can mean better focus, stronger health—and sparkier days (no caffeine expense required).
175. See if you qualify for a health insurance subsidy.
The government offers subsidies for lower incomes—don’t assume your employer is the best option. Shop the marketplace for a better deal.
176. See if you qualify for other group insurance.
Unions, alumni associations, and professional groups offer special insurance rates. Sometimes, it’s a quick call for a better rate.
177. Track your finances with Personal Capital
Apps make it easy to track your spending, savings, and investments in one spot. Use one that updates automatically and gives you a detailed look—so your money is always working for you.
178. Open an online bank account.
Online banks skip the brick and mortar—and pass the savings on. Higher rates, no fees, and bonus rewards for using debit.
179. Build an emergency fund.
Life happens fast—a flat tire, a surprise bill, a job hiccup. An emergency fund means you’re covered, with no last-minute fees or frantic credit card charges.
180. Keep savings in a high yield account.
Put your extra cash into an account that earns real interest. High-yield savings grow while you sleep and make every dollar count.
181. Pay off your debt.
There’s nothing chic about high-interest debt. Drive it down as fast as you can. The freedom of debt-free living is a trend that never goes out of style.
182. Do a no-spend challenge.
Try a week, a month, or even longer where you avoid all non-essential spending. You’ll learn where your habits help (and hurt), and might even develop new, money-smart routines.
183. Use low-fee index funds in your retirement accounts.
High fees erode your investments. Index funds are low-cost and track the whole market—perfect for hands-off, high-impact retirement savings.
184. Contribute to your 401(k), 403(b), or 457 plan.
Employer-sponsored plans often come with a match—hello, free money. Aim to contribute enough to snag every dollar.
185. Contribute to your Roth IRA.
Open a Roth IRA for even more retirement options. Flexible, tax-advantaged, and built with your goals in mind.
186. Switch credit cards to $0 annual fee cards.
If travel hacking isn’t your thing, zero-fee cards are simple, clear, and keep rewards for you—not the bank.
187. Be open with your partner about finances.
Big goals start with small conversations. Share your dreams, track progress, and ditch the money secrets—teamwork makes money moves work.
188. Make a budget.
Spend an hour making a plan for your money each month. Knowing where every dollar goes is the foundation of every frugal habit.
189. Refinance Student Loans
If student loans still haunt your budget, refinancing could lift that weight. When you have a steady paycheck and a degree in hand, you may qualify for much lower rates and better terms. No closing fees are common, so it’s less hassle than you think. I’ve seen Elfi recommended often for its transparency and rates, but whichever lender you choose, always compare offers.
Refinancing could shave thousands off your total loan cost. It’s like finally opening a window in a stuffy room—you get true breathing room in your budget. If you’re considering this move, read the fine print for details like prepayment penalties or origination fees.
190. Track Your Transactions
Spend just one month tracking every penny. Use an app or even a spiral notebook. Don’t overthink it. Logging each purchase (from a morning coffee to bills) can reveal patterns that shock you.
You might find that gas station snacks drain more than you expected or that streaming subscriptions multiply when you aren’t looking. Getting a clear picture is the first step to meaningful change.
Quick Ways to Track
- Download a free budgeting app like Mint or YNAB
- Keep all receipts in an envelope and total them at week’s end
- Use your bank’s transaction downloads to spot trends
191. Create Sinking Funds For Big Purchases
Big expenses sneak up—vacations, home repairs, holidays. Rather than borrow or put them on a card, build “sinking funds.” These are dedicated savings accounts for a single purpose.
Let’s say you want a new laptop by next summer. Set up an automatic transfer (as small as $10 a week) into a separate account labeled “Laptop Fund.” When you need to buy, the cash is ready and waiting, and you avoid debt entirely.
192. Deduct Your Student Loan Interest
Every year, you may be able to deduct up to $2,500 in student loan interest on your federal taxes. This tax benefit is often overlooked. If you’ve paid interest, check your IRS Form 1098-E from your loan servicer.
The more you pay in interest, the bigger your deduction. While this doesn’t erase the pain of student loans, it cushions the blow. And during tax season, every dollar saved counts.
193. Have a Professional Do Your Taxes
Hiring a tax pro may sound like a splurge, but the right one often pays for themselves. When I started a freelance business, my accountant found money in places I never would have—business deductions, credits, even missed refund opportunities.
If your finances are straightforward, software might work fine. But if you have side gigs, property, or kids, a professional (with good reviews and transparent fees) can keep more cash in your bank account and give you peace of mind.
194. Contribute To a 529 Plan
Saving for education? A 529 college savings plan is a strong option. You put after-tax dollars in, your money grows tax-free, and as long as you spend it on qualified education expenses, you don’t owe taxes on gains.
While contributions aren’t tax-deductible at the federal level, some states offer deductions or credits. Compound growth works in your favor the sooner you start, even if you only contribute $25 a month.
To get started, compare fees and investment options at reputable providers. If you have kids, this is one of the kindest gifts you can give them—and your future self.
195. See If You’re Eligible For The Earned Income Tax Credit
The Earned Income Tax Credit (EITC) is one of the most underused perks for lower- and moderate-income workers. You might qualify for a significant refund, not just a credit against taxes owed.
To find out if you’re eligible, visit the IRS website or ask your tax preparer. Eligibility depends on income, family size, and filing status. Claiming the EITC can make a real difference, especially when money’s tight.
196. Negotiate Bank Fees
Banks love to sneak in overdraft, late, and maintenance fees. The good news is, many will reverse these charges if you call and ask nicely—especially if you’re a long-time or high-balance customer.
Prepare your recent account statements, know your history, and ask: “Can you waive this fee as a one-time courtesy?” If they say no, ask to speak to a supervisor. It’s simple, but it works more often than you’d think.
197. Leave The Big Banks
Big bank fees and lukewarm service can add up fast. Many online and local banks, plus credit unions, offer better rates, lower fees, and friendlier policies. After years juggling accounts at big-name banks, I opened a high-yield online savings account and moved most of my money there.
It’s quieter, safer, and far cheaper. I use a local bank for day-to-day needs and an online one for savings. My money is working harder, and my stress is lower.
198. Join a Credit Union
Credit unions are owned by their members, not stockholders, so they often offer lower rates on loans and better terms on accounts. You don’t have to move everything over—just open an account and keep it active.
For big expenses like a mortgage or refinancing, credit unions tend to have some of the best rates available. Plus, you support your community instead of shareholder profits.
199. Improve Your Credit Score
A better credit score can save you thousands over a lifetime. Lenders offer the best rates on credit cards, car loans, and mortgages to borrowers with good credit.
- Get current on every bill. Payment history has the biggest impact.
- Keep balances low on credit cards.
- Ask for a free credit report and dispute errors.
- Avoid applying for new credit unless needed.
In my experience, even a 20-point increase can mean qualifying for rewards cards that give back cash, points, or travel perks.
200. Pay Off Your Mortgage
If you’re ahead on retirement savings and have extra funds, paying off your mortgage early brings peace of mind and significant interest savings. Even making one extra payment a year can cut years off your loan.
While investing often yields higher returns long-term, not having a mortgage hanging over you is a feeling hard to match. Run the numbers and see what works best for your family and goals.
Keep Frugal Living Simple and Rewarding
Living frugally doesn’t mean endless budgets or stretching every penny to the limit. It means making each dollar count more, so you have time and freedom for what matters most.
Try one or two easy tips that fit your routine. See how things change. With steady effort, small steps add up. Whether you switch banks, track spending, or save for school, the habits you build now will help your future in ways you don’t expect.
Keep what works, drop what doesn’t. Every smart choice, no matter how small, builds a better base. Here’s to a simpler, fuller life—one step at a time.
