written check

15 Super Simple Frugal Living Tips

March 21, 2023

Frugal living tips to get into better financial shape by learning what it means to live a mindful, frugal lifestyle.

If you want to become more financially fit then learning to live more frugally is the best place to start. Frugal living can help you develop the healthy money habits you need to get to a better place financially. Frugal living tips include simple things you can do every day, but make a big difference over time. 

Don't Be Late Paying Bills with Check City Bill Pay.

Frugal Definition

Before you can become frugal you have to know the answer to the question, what does frugal mean?

Frugal is an adjective used to describe someone who makes economical choices with their finances and resources. A frugal person will spend their money sparingly and look for sales and deals whenever they go shopping. 

Frugal Synonyms include words like sparing, thrifty, economical, careful, or prudent.

Frugal Antonyms include words like squandering, wasteful, or unnecessary.

Frugal living is the act of being as financially responsible and cautious as possible. Someone who chooses a frugal lifestyle will work to live within their means and not spend money wastefully. 

How well you manage your personal finances, bills, and debts plays a big part in how frugal you are. 

Frugal vs Cheap

If you're new to being frugal you might think that being frugal and being cheap are the same thing. But they aren't! 

Being frugal doesn't mean you should be cheap or settle for lesser quality. 

In fact, buying something cheap rather than saving and budgeting for the quality version is actually the opposite of being frugal.

Being cheap is about saving money while being frugal is about reducing financial waste. That means saving and budgeting for quality items that will last a long time instead of buying cheap only to have to replace things sooner. 

Frugal Living Tips

These frugal living tips will help teach you how to be frugal. 

A frugal lifestyle might also need to include other household members. Get everyone on board with a more frugal lifestyle by implementing these tips on how to be frugal. 

1. Luxury Spending vs Necessary Spending

Understand the difference between necessary spending and luxury spending. Being able to make this distinction in your spending is the key to being able to save. 

Necessary expenses should always be prioritized and taken care of first. These include expenses like rent, mortgage payments, car payments, payday loans or cash advance payments, food, gas, utilities, medicine, and any costs that are associated with taking care of children.

Everything else is going to be optional and should be treated as such. 

This doesn't mean you can't still spend money on luxury items, but you should budget for them appropriately, prioritizing what you need over what you want. 

Budget for the necessary things first, and then worry about whether you can afford those luxury items. 

2. Make Cuts in Your Spending

Sit down and make a list of the things you can cut down, cut out, or substitute. 

An example of a cut down might mean unsubscribing from some streaming services so you only have 1 or 2 instead of 5. 

An example of a cut-out might be getting rid of your gym membership and going for runs outside instead. 

An example of a substitute might be choosing a less expensive grocery brand or shopping at a less expensive store for clothes. 

By making monetary cutbacks, you can have more control over your money. 

3. Cap Your Spending

Institute effective spending caps to keep your spending within a budget. 

Check City Prepaid Debit Cards are a great way to cap your spending so you can stay within budget easier.  

Putting a defined limit on your spending can be the real key to help you stay within budget, save more, and stop living paycheck to paycheck. 

You can also use a Cash Envelope System to divide cash funds into different enveloped budget sections. 

By using the cash envelope system you can organize your expenses and available funds into easy-to-understand sections using envelopes. This also helps you better visualize your budget. 

4. Keep Receipts and Track Spending

Hold onto your receipts in order to more easily track your actual spending. 

Find a useful Budgeting App to track and manage all your expenses in one place.

This is great when you want to keep all your spending online, but still want to better see and control where your money goes.

Careful record keeping for receipts can also help you get a better tax return when tax season comes around. 

Store all your receipts in an organized filing system specifically for receipts. Consider organizing your receipts even further by dividing this filing system into months, years, or types of purchase. 

5. Think Twice Before You Buy

Make all your purchases with care and consideration. 

If you enjoy shopping, as many of us do, you might be prone to overspending when you are feeling bored, sad, or in need of celebrating. 

Learn new ways to satisfy these needs so that your wallet doesn't suffer. 

Instead of buying something new when you're bored, try rearranging the furniture in your house or in your room or trying a new activity with friends. 

Use common sense for every transaction. 

Think about whether this purchase is truly a need or a want. Take some time to leave the store and come back later so you can think about whether you really need it. 

Only arm yourself with enough funds you are actually willing to spend that day on unnecessary expenses before you go shopping. 

6. Learn How to Bargain 

Bargaining or haggling is when you negotiate the price of a good or service with the provider of that good or service. 

There are appropriate times to bargain down a price and there are inappropriate times to bargain down a price. 

But when the moment is appropriate, don't be afraid to negotiate a little. 

Bartering and haggling are also more than talking down the price of an item. Bartering can also mean using trades and exchanges. 

For example, if you have a garden then you could trade some fresh produce with your neighbors for a night of babysitting or other goods and services. 

Oftentimes, professionals will trade with other professionals for their goods, services, and talents. If you have professional skills to offer, you could use them to barter and trade with other professionals. While you're making these trades, you'll also be networking and cultivating professional relationships. 

7. Reuse and Recycle 

Get creative with used items. You'd be surprised with the things you can create to make old items useful again. 

Instead of throwing things away, make fun projects out of making old things useful again. For instance, make a brand new headboard for your bed, table for the kitchen, or workbench for the garage from an old door.

Or instead of tossing out old clothes, cut them up and use them as fabric for sewing projects or as cleaning rags. 

8. Frugal Furniture

Furniture is an important part of what makes a home functional and comfortable, but furnishing a house can get pricey. 

Find quality furniture for much more reasonable prices by not buying new. New furniture prices are always greatly inflated, but used furniture can have the same quality as new furniture for half the price. 

Instead of shopping for furniture at expensive home goods stores, start going to yard sales, garage sales, the Facebook Marketplace, or any other thrift store for your furniture needs.  

You can also make use of even cheaper, beat-up furniture by refurbishing old furniture to make it good as new. This is also a great way to make something your own and help it go with your home's decor and aesthetic. 

9. Frugal Men's Fashion

Fashion is something that can easily be a luxury or a necessity. We need clothes, but we also like to choose clothes we love. 

Find ways to stay comfortable while keeping your clothing shopping affordable by following some useful frugal men's fashion tips. 

Learn how to mend your own clothing. 

The cost of new clothing can easily eat away your entire budget. Avoid having to buy new clothes all the time by learning to mend your old clothes so they last longer. 

Learn to tailor your own clothing. 

Get an expensive, designer fit by learning to tailor your own clothes. With some simple sewing knowledge, you can make your clothes fit perfectly. You can even learn to make your own alterations to change old outfits and refresh old looks. 

10. Frugal Female Fashion

Frugal female fashionistas should also learn to mend, tailor, and alter their own clothes for maximum fashion efficiency. 

There are also many frugal, inexpensive places now to buy quality fashion items without overspending that budget category. 

There are places like Thread Up where you can buy quality thrift store clothes, there are thrift stores where clothes can keep getting their use, and there are sites like Shein and Romwe that sell very affordable clothing without having to spend the horribly high prices of designer brands.

11. Frugal Meals

Frugal meal planning is an essential part of budgeting meals and eating healthier.

Make frugal meals by taking your daily meals, cooking, and baking back to the basics. 

You want your plate to have basic food groups like vegetables, proteins, grains, and fruits. When you go grocery shopping, keep things simple and just buy your favorite vegetables, proteins, grains, and fruits.

Plan your weekly meals and grocery lists so you can buy minimal groceries, but dress them up in lots of different ways throughout the week. 

For example, if you get potatoes you can make hash browns, mashed potatoes, home fries, baked potatoes, and so much more with just that one grocery item. A simple, frugal diet doesn't have to be bland. 

Get a giant whiteboard to keep in your kitchen that has a spot for your grocery list and weekly meal plans.  

12. Frugal Cell Phone Plan 

There are lots of phone plans out there, but many of them are really expensive and offer a lot of things you simply don't need. 

Before signing up for a cell phone plan, take the time to do your research and compare plans. 

Remember to consider what you actually need in a phone plan so you aren't paying for more than you need. For instance, many places have wifi now, so you might not need data at all, or at least not unlimited, and this can save you a lot on phone plans. 

Buy an older phone version to save hundreds of dollars and to avoid long, expensive payment plans just to pay for your phone. 

13. Frugal at the Grocery Store  

Take your basic grocery list and visit the different grocery stores in your area. Write down the prices for everything on your list at each store and compare. 

Don't forget to factor in grocery store memberships, points, gas points, and discounts. 

Doing this will help you see which grocery store in your area is the least expensive for your needs. 

Gardening is a great way to save money on produce. Gardening can also be relaxing, rewarding, and fun. 

You don't have to cultivate a huge garden either. Grow some of the produce and herbs you use the most and enjoy the freshest produce while saving money. 

14. Frugal Fitness 

Fitness trends and fads can influence us to spend a lot of unnecessary money to achieve our fitness goals. Meanwhile, you could be saving all that money by taking your fitness back to basics. 

Get fit the frugal way by going on walks, hikes, runs, bike rides, or sports.

You don't have to buy expensive machines or gym memberships to stay healthy. There are plenty of fun extracurricular activities you can do for free that will also help your body get fit and healthy. 

15. Frugal Travel 

The key to saving on travel is to plan ahead. 

Start planning your trips months ahead of time. Know when you want to go, where you want to go, how you want to go, and where you want to stay. 

If you're buying travel tickets, planning ahead will give you time to shop around for the best deals on tickets. 

Compare the prices of different forms of travel so you know the best trip option for you. It might end up costing more to drive somewhere in your car than it would to just fly there or take a train. 

To save even more on trips, you can carpool, go on trips together to split the costs of driving or the hotel. You can also save by using groupons and other deals that are sometimes available for travel and tourist locations. 

Going places on off-seasons is another way to save money on your visit, and the smaller crowds will make your trip more enjoyable too. 

Reasons to Live Frugally

A frugal life is a financially responsible life.

Living frugally doesn't mean you have to give up all luxuries and pleasures either. It simply means you are smart and conscientious about all your spending. 

Here are a few other reasons to start living frugally. 

Stop Living Paycheck To Paycheck

Living paycheck to paycheck is when you are living on a tight budget and have no wiggle room between paychecks. You need your next paycheck to come right on schedule or you won't be able to pay important bills on time. 

If you live more frugally, you can use less money and thus save more money to expand that wiggle room between paychecks. 

Spend less and save more so you can have money to spend on fun things, a healthy emergency fund, and building a stronger savings account. 

Save Money

When you spend less you can save more. 

If you aren't saving money yet, you should start now. The frugal and financially responsible person saves for an emergency fund, a general savings account, and future planned expenses. 

An emergency fund needs to keep you financially covered for at least 3 months in the case of any type of emergency. 

A savings account can help you have money locked away for future expenses, investments, or business endeavors. 

By learning to save, you can also be more proactive about saving for large expenses and milestones like getting a new car, a house, renovations, moving, nice vacations, or having children. 

Pay Off Debts Faster 

Debts can make it hard to save and prosper financially. 

By spending less each month you can pour more of your monthly income into your debts and work them down even faster. 

Once you've gotten out of debt, you won't have those monthly debt payments anymore, and all that money can be yours again. 

Better Finance Habits

Living frugally isn't a phase, it's a lifestyle. 

These are healthy, smart, and responsible money habits that you want to be accruing and strengthening your whole life. 

You also want to teach these money habits outwardly and by example to your children from an early age so they can learn to manage their own finances and assets someday. 

Having good financial habits can help you live your best life. You'll have fewer debts, more savings, and more control of your entire life. 

In Conclusion,

By learning to live frugally today you can reap incredible benefits now and down the road. 

You can enjoy a healthier savings account, be prepared in case of emergencies, and be ready for milestones later in life like buying a home or retiring. 

Take these frugal living tips one at a time and start implementing frugal living into your life today.