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18 Tips for Enjoying a Frugal Lifestyle

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My family has been debt free for many years, with only a house payment and utilities as our expenses. While we aren’t exactly rolling in dough, neither are we overburdened with stuff and all the responsibilities that come from owning too much. Our secret?




Frugal living tips.

Oddly, for most people, these words don’t bring to mind a lifestyle full of joy and freedom.

Instead, they bring to mind images of Scrooge and dreary, turn-of-the-century London slums. (Not sure why that last image comes to mind, but it does. Possibly from reading Oliver Twist.)

However, for those of us who do live lives of frugality, penny-pinching, and, yes, thriftiness, the reality is quite different.

image: woman inserting cash into piggy bank on counter as frugal living tips

How to Embrace Thriftiness

If you want to begin the journey towards a more frugal lifestyle, congratulations! Any steps you take in this direction will help you relieve stress and experience more financial freedom.

A few words of caution for you, though.

  • One, take it slowly to start. If you go overboard, you might burn out and quit altogether. Better to add these frugal living tips into your life gradually.
  • Two, change it up if you try something that doesn’t quite work for you. It might suit you better with a few tweaks.
  • Three, balance is key. Perhaps it’s easy to stop eating fast food, but not so easy to give up a favorite beverage. That’s okay. Start with the easy stuff, the low-hanging fruit, if you will. Give yourself some grace as your mindset slowly changes. If you feel deprived, you just make it that much harder to succeed.

Frugal Living Tips

I’m going to share my family’s freedom-living tips, I mean frugal-living tips, with you, as well as a handful on my own To Do list:

  1. Give yourself a cash allowance every week or month; when the money is gone, it’s gone. Even having $10-20 and knowing you can spend it on ANYTHING YOU LIKE adds some fun to the month. This helps you avoid those moments of self-pity when it feels like you never get to treat yourself to something special, and then, when you do spend, you know the money is there, and there’s no stress about whether or not you can afford it.
  2. Check your banking account online often. Look for unauthorized expenses and those little expenses that can add up quickly. It helps you feel like you’re in control when you know exactly how much money is in your account and where it’s going. Plus, you can contact the bank immediately if there are any fraudulent charges.
  3. Find friends who also want to live a frugal lifestyle rather than people with expensive tastes. If you hang out with people who absolutely must have the latest technical gadget the day it comes out and spend money like it’s water, pretty soon, you’ll begin to do the same. Or, you’ll end up feeling depressed when you don’t spend. Who needs that additional stress?
  4. Have ‘no spend’ days. Once you can go 1, 2, 3, and 4 days without spending a dime, then challenge yourself and your family to a full week of no spending.
  5. If one family member is more frugal, more of a saver, then send THEM to the store with a list. They’ll be more likely to stick to the list and avoid impulse buys. If I run to the store to buy four things, you’d better believe I come home with 30 or 40. My penny-pinching daughter?  She’ll stick to that list like white on rice!
  6. Make saving money a game. What are the very cheapest meals you can make? If you spent $500 on groceries this month, can you spend $475 next month and $450 the next?
  7. Sit down with your family on Sundays and plan your spending for the week. Knowing what you will need to buy helps you avoid buying things you don’t need. This will also help with surprise expenses that the kids might spring on you at the last moment, such as fees for school activities.
  8. If possible, have a set amount of money automatically deposited from your paycheck into your savings account. There’s a very good chance you’ll never miss it. If you don’t make a point of saving money on purpose, it will never happen. Use this 52 Weeks Savings Plan, too; Plus, you can start it anytime time of the year.
  9. Carry cash for your spending money. It’s harder to spend it than it is to swipe a card. Those plastic debit and credit cards remove you from the actual transition of cash. After all, it’s just a swipe, right?
  10. Take advantage of pre-tax Health Savings Accounts and employer contributions to a 401K if those are offered by your job. Every benefit offered by your company, even if it’s just a bag of coffee beans per month as offered by Starbucks to their employees, is there for the taking.
  11. Keep track of your financial progress: savings, debt repayment, mortgage/car payoffs, etc. This is so motivating — and get the family involved. When my family saves up for an extended vacation, we have monthly savings goals. Not surprisingly, both kids are eager to get summer jobs, so they can add to the kitty!
  12. Use tax returns strategically: pay off debt, use it as your emergency fund, divide it by 12 and use it toward a monthly expense, etc. If you normally get this little “windfall” from the IRS, give yourself at least 3-4 weeks before spending it, a “cooling off period,” if you will. That gives you time to prioritize expenses and decide how much you want to set aside in savings.
  13. Watch your attitude and be grateful for what you have. This is really one of those foundational frugal living tips. That’s because it’s easy to become discouraged and even depressed when money is tight. However, our grandparents and great-grandparents who lived through the Great Depression not only survived but many of them have said those were the best days of their lives. Why? Certainly not because they had every creature comfort and a huge bank balance. Instead, it was a time of families and communities pulling together, encouraging one another, and finding creative ways to make the most of what they had. If they could do it, you can, too!
  14. Stay away from malls and stores! You can’t pray, “Lead me not into temptation,” and expect not to be lured by tantalizing merchandise in stores and your favorite mall!
  15. Do the same for your kids. They are immersed in messages that tell them they must own certain items, dress a certain way, and emulate one celebrity or another. Spending time at malls and stores only further drives home the message that happiness and acceptance by others can only come by spending money. Not a good foundation for their adult years.
  16. Spoil your kids with things that don’t cost much, if any, money – story time with mom, a trip to the dog park, storytime at the library, “Hot Chocolate Night,” etc. This is when it really pays to keep track of restaurants and fast food joints that have “kids eat free” days. Combine that with a special night out for just you and one of the kids, and that’s a really inexpensive way to make your kid feel like a million bucks. In our house, we call this “Girls Night Out” and “Guys Night Out.”
  17. Know the difference between needs and wants and ensure everyone in the family understands this, adults included! When my son has a long list of things he absolutely must have, I have him list each of them on a separate sticky note and put them on the fridge. A few days later, I ask, “Is there anything on that list you don’t really want or need, after all?” One by one, the notes come off the fridge as he realizes he was just acting on impulse. If there’s something left after three or four weeks, he then begins saving money to buy it.
  18. Sign up to become a mystery shopper. This is a tricky way to get a nice meal out and be reimbursed. I’ve done mystery shopping for several companies over the years. It’s not the easy, get-rich-quick job that some claim, but once you get in with a few companies, you can pick and choose which jobs to take. Now, I only, and very occasionally, shop at my absolute favorite high-end restaurant. For a $45 gift card to that same restaurant, it’s not a bad investment of my time!

A frugal lifestyle has many benefits and very few disadvantages. It’s a mindset that serves you well at any stage of life and in whatever circumstances you find yourself. However, if you’re still unsure if this is a good direction for you, read these eight tips for motivation.

P.S. Dave Ramsey has solid advice for taking control of your finances. I recommend his basic book, The Total Money Makeover, for an easy-to-follow plan and a quick, motivational read.

What are some of your favorite frugal living tips?

15 thoughts on “18 Tips for Enjoying a Frugal Lifestyle”

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  2. The way we lived frugal (now retired) is we didn’t have kids (another reason: his job required lots of travel and relocating) and we both worked and saved and retired earlier than our peers who some are still working over 70 years old. Day care is high and cancels out a woman’s paycheck. America is down the drain anyway, and I encourage young couples to both work, save and don’t raise a family in a country with a zero future.

    1. The joy I have in raising my 7 kids can not be bought with money! Joy is measured with contentment not with how much money is in the bank!

  3. This is the first list that I have seen in a long time that is in depth and more advanced. Most of them I have seen say, bring your lunch to work and skip that morning latte out. Those are basic and really good but for really for beginners only. Your list makes it a lifestyle and a fun game.

  4. An easy way to put a sizeable amount away is to transfer any monthly payments that have been paid off, i.e., mortgage, auto, etc. to the savings account and don’t touch it. Auto payment would come in handy should you have to replace car/truck.

  5. Great tips! I love the ones about keeping an attitude of gratefulness. It’s so true. Contentment doesn’t come from the stuff.

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  7. Cara @ Fashionably Frugal

    Great list. I really liked the tip about staying away from the mall and stores you know will tempt you. I had to go in Target today for the first time in 3 months and it made me remember why I avoid that store. Everywhere I looked I saw things that I would ‘love’ to have, but don’t really need. It made me feel like my perfectly useful things I already have weren’t good enough for me. Which ties right in there to your point about being content with what you have. I have been so much happier and less likely to spend money once I stopped comparing what I have to what others have. It has been a wonderful blessing to introduce this lifestyle to my children and they love trying to find ways to repurpose things before we throw something out.

  8. One of the biggest things that’s helped us live frugally, is only going to specific stores. Grocery, and other stores we know exactly what we need, and where it is. Then we don’t end up wondering and seeing stuff we want and need to buy. We get in, get what we need, and get out. That’s saved us hundreds over the years.

  9. Utilities are an expense like food, gasoline, and clothing.
    Having a mortgage means you’re still in debt. Hang in there, once that is paid off it will surprise you how much freer your life is.

  10. As a single mother with 2 teenagers, money was tight. I gave them an allowance when I could, but they understood that it wasn’t a given and depended entirely on whether we had unexpected expenses that month. I also started buying “Christmas presents” early in the year. If the kids wanted something that wasn’t a necessity and *I* had to pay for it, then it was saved for Christmas. Of course there were still surprises under the tree, but after a few times of opening things that they didn’t really like or want they became a lot more selective in their demands. It also taught them that it’s okay to wait for the things you really want and to save and spend their own money if they don’t want to wait until December! They’re grown and gone now, but I still do this with all of us.

  11. if you are someone like me that has lived on a fixed low income for most of their life, living frugally is an absolute necessity, you can afford to overspend.

  12. I didn’t have any expectations concerning that title, but the more I was astonished. The author did a great job. I spent a few minutes reading and checking the facts. Everything is very clear and understandable. I like posts that fill in your knowledge gaps. This one is of the sort.

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