Are You Struggling To Make Ends Meet?
Living paycheck to paycheck. You are not alone! Over one third of the country is living paycheck to paycheck and dipping into debt. Discover 21 frugal hacks that can help you save more money
Living Paycheck To Paycheck
Most of the country lives paycheck to paycheck using their monthly income to cover their monthly expenses with very little left over for savings or enjoyment.
What Is Living Paycheck To Paycheck
Living paycheck to paycheck is when your income just covers your monthly expenses. For some your monthly income doesn’t cover your monthly expenses. This is when your debt increases. A situation commonly associated with there being more month left than money.
How Many Americans Live Paycheck To Paycheck
Over half of Americans are living paycheck to paycheck with the average debt load increasing everyday.
Why Do People Live Paycheck To Paycheck?
People live paycheck to paycheck due to the increased cost of living or lack of income. Sometimes it happens due to bad budgeting or miss management of funds.
There are lots of things that can put a person in a situation where they are living paycheck to paycheck. Such as job loss, divorce, increase in fees, food costs and taxes rising.
How To Save Money When You Live Paycheck To Paycheck
Saving money when your budget is tight and you are living paycheck to paycheck can be hard. But it can be done. Living frugally, essentially living below your means is a great way to save money when things are tight.
How I Stopped Living Paycheck To Paycheck And Saved My First $1000
Saving money on a super tight budget starts with knowing where you are spending your money. Knowing your income and expenses. Setting up a budget is super important.
Stop Living Paycheck To Paycheck
Once you know where your money is going you can start cutting your household expenses and working to decrease your costs and save money.
Frugal Life Hacks
You can stop the paycheck-to-paycheck cycle and start saving money with these 21 super frugal hacks. Simple easy frugal tips that you can start today to make a big difference in your savings.
What Is A Frugal Hack?
A frugal hack is a simple frugal living tip or simple life hack that helps you save both money and time. Something as simple as using dryer balls in the dryer to help speed up the dry cycle so you save money on utilities.
How Can Frugal Hacks Help Save Money?
Frugal hacks are simple ways to help you save more money everyday. They are simple, easy changes you make to save more. Frugal money saving hacks help you save cash.
Frugal Money Saving Hacks
Below you will find 21 money saving tips to help give you breathing room. These frugal living hacks will help you save money and hopefully get through to next payday with a bit more in your wallet.
Tough Economy
Times are tough. The economy is tough. The cost of goods and housing is on the rise. Start learning tips and tricks to get yourself ahead.
Frugal Household Expenses
Learn how to cut down on your household expenses and save more money.
21 Super Frugal Hacks To Stop Living Paycheck To Paycheck:
- Set up a budget
- Start cooking meals at home
- Eat vegetarian meals once or twice a week
- Brown bag it and bring your coffee to work
- Invite the friends over and potluck instead of going out
- Cut the cable
- Turn off the pay as you go apps
- Plant a garden
- Shop local
- Do it yourself
- Wash it in cold water
- Hang your clothes to dry
- Learn to use tools and do minor repairs
- Return your recyclables for refunds
- Get rid of the paper products and use these
- Shop store sales, with a list and a budget
- Buy generic and/or shop bulk
- Learn to say NO
- Stop trying to keep up and impress
- Enjoy frugal/cheap/free entertainment
- Plan a no spend weekend or even a no spend month
⭐Top Frugal Household Must Haves
- Instant Pot
- Oven Lunch Box
- Cloth Napkins
- Clothes Drying Rack
- Freezer Storage
Frugal Living Hacks
The 21 super frugal tips above can help you save hundreds of dollars a month. For example, say you buy your coffee every morning on the way to work and pop into the local deli for lunch.
Simple Frugal Hacks
If you were to swap that up and brown bag your lunch from home or use this great oven lunch box and bring your coffee in a travel mug you would save over $75 a week.
Extreme Frugal Hacks
We all know someone who is super thrifty and saves huge amounts of money they are extreme savers, and they use extreme frugal hacks to help them live more frugally. Here are 42 examples of extreme frugal tips that people have used to help them save more money.
42 Extreme Frugal Tips
1. Going through the lost and found for needed items
2. Purchase liquid soap, dilute it with water and use in a foam soap pump (1 part soap, 3 parts water)
3. Use regular bar soap as shaving gel
4. Invest in safety razors and blades instead of disposables
5. Cut your families hair
6.Color your own hair and skip the salon
7.Do your own nails
8. Using Dr. Bonners soap for hand soap, body wash, household cleaner and floor cleaner
9. Cleaning your floors on your hands and knees instead of using Swiffers
10. Using reusable cleaning cloths and mop pads
11. Using old t-shirts as cleaning rags
12. Buying reusable bamboo paper towels (use, wash, dry, repeat)
13. DIY your own cleaning solution
14. Shopping discount retailers
15. Shop consignment
16. Make and use hankies instead of tissues
17. Purchasing almost expired discount food
18. Reusing your paper grocery bags as wrapping paper
19. Reuse wrapping paper and gift bags
20. Look for free stuff on Craigslist or Marketplace
21. Save and use coupons
22. Buy blackout curtains to keep the light out and heat in your home
23. Use wool dryer balls instead of dryer sheets
24. Grow your own food
25. DIY your gifts
26. Shop estate sales
27. Save plastic and glass food containers to reuse
28. Use plastic bags for rain cover jackets and over running shoes for impromptu boots
29. When your boots are to big fill with extra socks and/or paper to make them fit right
30. Airbnb or rent portions of your home out for income
31. Lock up the thermostat and bring out the blankets
32. Barter services and goods
33. Get rid of single use items and purchase reusable make up sponges, food bags, travel cutlery and etc.
34. Invest in a good coffee maker and bring your coffee in to go cups
35. Use reusable coffee filters
36. Use hotel and sample soap products
37. Save and use to go condiments in lunches
38. Invest in a rain barrel for watering garden, grass and plants
39. Bulk buy and divide
40. Extreme couponing
41. Don’t spend your $5 bills – save them (or all your change in a jar) it adds up fast
42. Cut open your laundry soap, shampoo and conditioner bottles – there is still a ton of liquid left in the bottom
Frugal Home Hacks
Now add in a few more tips like washing your clothes in cold water, hanging them to dry and skipping the paper towels in favor of cloth napkins and you could save another twenty five to thirty dollars a month.
How To Be Extremely Frugal
Being extremely frugal is all in how you approach spending, saving and daily life. Someone who is extremely frugal is going to look for ways to save money in everything they do. They are going weigh the need versus the want looking for alternative ways to save cash.
Frugal Ideas
Some examples of extreme cheapskate ideas are rinsing out previously used baggies and reusing them. Adding water to your shampoo and conditioner bottles for a few more uses. Gleaning for fresh produce. Keeping spare vegetable parts in the freezer for making broths or sauces.
Extreme Cheapskate Money Saving Tips
If you are looking to tighten the budget and work at saving money. Some extreme money saving tips would include making your own laundry soap and using bar shampoo which lasts a long time.
Some of the extreme money savings tips may seem a little extreme to some but if it helps to break the cycle of living paycheck to paycheck it may be worth it to you.
