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55 Simple Frugal Living Tips To Save Money In 2021

Frugal living is one of the best ways to save money, even if you’re already taking part in some of the best ways to save money. These frugal living tips will help you take control of your finance and save how to live frugally, and save money to reduce the amount you spend on certain things.

With these frugal living tips, you may be able to improve your financial situation a little bit. Save on everything from groceries to home repairs to family outings with frugal-living tips and live well for less. 

These frugal living tips range from food, entertainment, shopping, home, transport, and so on.

What is frugal living?

Frugal living means spending less than necessary. When you spend less than the average person, it means that you are frugally living.  Additionally, frugal living doesn’t mean you have to make a major change, but  It’s all about the little things. These little changes can help you save enough money without you knowing about it.

Does frugal mean cheap?

Living frugally does mean cheap; it means prioritizing what is necessary over what is not necessary. It means that you spend on things you care about without compromising quality and value.

How can I be frugal without cheap?

You can live a frugal life without being cheap by getting a water filter over bottled water, shopping at a thrift store, and buying things in bulk.

Frugal living tips can be from money savings apps to saving hacks, saving for fun, and lifestyle changes. These are the ways to be frugal and save money.

Here are some best frugal living tips to help you in saving money

  1. Use cashback apps to get cash back on purchases: There are many cashback apps available to help you get cash after a purchase. Apps like Rakuten give you cashback.
  2. Don’t max your credit card: No 1 rule with credit card usage is never max out your card. The interest that comes with credit cards is on the high side, so avoid using only a minimal amount. You can repair your credit; it’s already bad.
  3. Shop at thrift stores: Thrift stores can come in handy when you want to live a frugal lifestyle. You can get some good and affordable stuff at the thrift store.
  4. Make a list when going shopping: Going to the store without a list is one big mistake so many people make. We believe we know all we need in our heads but end up buying stuff we don’t need. Always go with a list to guide you, so you don’t just pick everything at the store.
  5. Create a budget: Creating a budget is important to learn to allocate the right expenses and save more money. Also, it will help you to stick to your budget.
  6. Buy used new clothes, not just new: Instead of shopping for new clothes, you can save money by looking at places that sell used items. You can check out eBay, Craigslist, Offerup, or thrift stores.
  7. Buy things in bulk: It’s generally cheaper to buy in bulk rather than in small quantities. This can be from food items to laundry items that you would always need. This saves you a lot of cash; you can check places like Costco, Sam, etc.,
  8. Track your spending habits:  Take a look at your spending habits and reevaluate them. Are you spending unnecessarily? Check out the signs that you are spending too much money.
  9. Go out for lunch instead of dinner: Food seems to be cheaper doing lunchtime.
  10. Cut down a phone plan: You can go for a cheaper phone plan rather than the unlimited plan.
  11. Cancel the gym and use the outdoor for a workout: If you have a park or a good outdoor place, cancel your gym membership, and use the outdoor exercise.
  12. Use coupons: Sign up for rewards programs to get coupons and deals to use when shopping.
  13. Do staycation instead of vacation sometimes: One of the simple, frugal living you can practice to save money is doing a family staycation instead of going on a vacation. This will save you money and make your family get to know each other better.  
  14. Adjust your thermostat: Adjust your thermostat two degrees higher than you normally would do in summer and two degrees lower in winter to control heating and air costs. This is a great way to save up on your heating and cooling bills.
  15. Spend cash instead of credit cards: Sometimes, you will spend less when you use cash and not credit since you are limited to the amount of money. Spending cash instead of a credit card helps you avoid some debt and things you cannot afford.
  16. Use your credit card wisely:
  17. Cancel your cable: Cancel your cable subscription and switch to  Netflix/Hulu/ Amazon Prime to watch all your favorite shows.
  18. Unplug appliances when you are not using them: This is the easiest way to live frugally. You can lower your electric bill by unplugging your electrical appliances when you are not using them. Turn off things like fans, lamps, toasters, cell phone chargers, and others.
  19.  Have a money-saving mindset: To live frugally and save money, you need to have a money-saving mindset. Having the right mindset in things is always the best way to start.
  20. Learn to DIY: You can create your own household cleaning supplies or make your own containers/ holders, Try DIY tricks to save money on household items.
  21. Make coffee at home instead of buying: Instead of regularly going to Starbucks or cafes, you can make your own coffee at home. Get a coffee mixer at home and make your own coffee; this can really help with your savings.
  22. Cut down on things you don’t know:  If it doesn’t fit into your financial goals, don’t purchase it.
  23. Buy Generic: Buying store brands can help you save money since the price is lower, and the quality is just the same. 
  24. Stop the bottled water (get a filter at home): Instead of buying bottled water, use a water filter to filter out your tap.
  25. Don’t always do the latest trend: To live a frugal life, avoid trendy stuff; they can be costly. 
  26. Drink water instead of soda and juice:  By sticking to just water and avoiding soda and juice, which is also the healthiest choice, you can save money and keep yourself healthy.
  27. Shop at the farmer’s market: If you are like me who like fresh vegetables and fruit, then the farmer’s market is for you. They are reasonably priced and always fresh.
  28. Use microfiber towels instead of paper towels: If possible, use reusable towels to help save you money and save the environment. Instead of using paper towels to clean up, use a washable towel.
  29. Take lunch to work: Pack your own food for lunch; you don’t want to buy food every day. These frugal living tips will save you a lot of cash.  
  30. Drive a more affordable car: Avoid getting a car that is way above your income level.
  31. Cook at home: This is one of the best frugal living tips to save money. Always try to cook your meals at home.
  32. Start investing as soon as possible: The essence of frugal living is to invest in your future. So, start investing today; you can consider insurance, real estate.
  33. Sell used clothes: If you have clothes that you no longer need, put them up for sale on eBay and make some cash.  
  34. Take advantage of the library: Do you read a lot of books? Borrow books instead of buying.
  35. Wash Clothes Only When They Are Dirty: You can even try wearing a shirt an extra time before washing if you did not get dirty or sweat. This will help you to save water bill as well as time and energy.
  36. Pay off your debt: Pay off your debt as soon as possible. The interest that comes with debt is very high, so try and clear it and be free.
  37. Shop second-hand items: Whether you are shopping for clothes, electronics, toys, baby things, and others, you can save money by looking at places that sell used items.
  38. Quit smoking: Ditch the habit of smoking and save yourself some money.
  39. Have automatic savings: Set aside some percentage of your income to automatic savings and see how much you save monthly. This is a great way to live frugally. Sign up with Acorns
  40. Unsubscribe from newsletters: Cancel newspaper and magazine subscriptions. Read the news online and check your local library for magazines. 
  41. Cut down on the list of needs: Don’t get confused over your needs versus your wants.
  42. Take part in a saving challenge: If you have trusted friends and family, you can start a saving challenge and save some money.
  43. Have an emergency fund:  Try to have an emergency fund ready on hand if anything happens. This will prevent you from getting into debt.
  44. Shop at discount stores: Always look for discount stores when shopping.
  45. Use the Honey app to check prices and discount for online purchases: Honey is a browser extension that helps you find coupons and get you the lowest price online.
  46. Takedown the landline: Get rid of your landline and use your mobile.
  47. Learn to use the envelope method in spending: The envelop method of spending is when you set aside some cash in an envelope and use it only for what it is meant for.
  48. Learn to say NO: Avoid saying Yes to everything that comes your way.
  49. Don’t waste food: Always make the food you can finish; try to avoid cooking more than you need.
  50. Have a no spending weekend: Set aside some weekend as no speeding weekend. This means that you will not spend a dine that weekend.
  51. Used the clothesline to dry clothes (Skip the dryer): Get a Line dryer or clothesline to dry clothes to save electricity.
  52. Watch Movie at Home: Pick from Netflix, Hulu, Amazon, Direct TV, and other entertainment options you may have.
  53. Fix Broken Things in Your Home: Don’t buy new things for your home right away when it gets broken, but rather, learn to fix them.
  54. Go to Restaurants Where Kids Eat Free: If you are going out with the family to the restaurant, pick one that offers kids free meals to save some money.
  55. Meditate: It’s a free and healthy way to relax and get rid of stress. This will help you relax and think about ways to save more money.

Additional Frugal living tips:

Educate yourself for free/cheap

There are tons of online videos, services, and courses for free or affordable that will help you develop new talents or expand your skills.

YouTube is my first stop for learning anything new. When I am unable to find the answers there, I look at:

Final Thought

Are you cutting down on household expenses and other family expenses? Learning new things and starting to implement them is what makes making changes in your life exciting. 

The frugal living tips above might not be for everyone, but you can get some of the tips, and they will work for you. I always learn new frugal living tips and ideas for savings, which has helped me a lot. 

Related Article

Tell me about the frugal living tips you are using to save money in the comment.

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65 Comments

  1. Lots of good tips here! Some of my fav ways to save money include adjusting my AC, cooking at home, and shopping at inexpensive stores. However, I’ve found that when I carry cash, I spend more money so that tip doesn’t work for me. Everybody’s got their own techniques. Thanks for sharing yours!

    1. Hi Rachel, thank you for letting me know your own tips… I agreed with you on everyone got their own techniques.

      1. Lots of great tips here thanks. “learn to say no is a big one for me. If you don’t have it, don’t spend it. Good post, thanks

        1. Hi Jon, Yes we have to say No at some point to certain request and to our self too..

      2. Great frugal living ideas! I just wrote a roundup of 100+ frugal living tips myself. It’s not that hard to develop frugal habits so you can save money and it really doesn’t require making huge lifestyle changes.

    2. I love your post. I try to be so cautious with spending. I also believe that many things as a whole can make a huge difference. One of the most time consuming things for me is buying groceries from different places so as to get the best deals and then preparing food from scratch. Using healthy ingredients, which are not expensive and making it delicious. I think over thinkers can relate.😉. I didn’t know frugal living was a thing. Thank you for sharing.

  2. Some great tips. I would add, building a capsule wardrobe saves money. 🙂

    1. Thank you Clara, building a capsule wardrobe is a good idea and it will save money…

  3. I love the idea of going on a staycation instead of a vacation when living frugally because you can save money and still enjoy the feeling experiencing something new.

  4. This is a great list! Lots of good advice here. I particularly like the tip to use the library. People may not realize that you can get ebooks and audiobooks online at libraries for free! Thanks again!

    1. Yes, people don’t know that there are so many resources available in the library. Thank you for stopping by!

  5. Excellent list. Unsubscribing from stores and newsletters as well as waiting a day or two to purchase online has helped cut down on stuff I really don’t need.

  6. These are FANTastic tips! I swear by frugal living because there are 6 of us after all. My budget is like my bible (and of course it’s not) and we eat at home and only eat out once a month as a family on our splurge. I use coupons and price match in the stores that still do it. I really had to learn these skills too because I have an appetite for nice & quite expensive items and we can’t afford it now with 4 kids. I appreciate your list here because there were a few I hadn’t thought of.

    1. Great tips,

      I definitely need to start getting better at time management! I have gotten really lazy since lockdown.

      1. Yes, we all do. Thank you for stopping by Madison!

  7. There are so many little things we can do to save money. Little by little, it all adds up!

  8. Amazing blog and very interestingly written and I have an idea whenever I will go for shopping I will write flowingcents at the top it will recall me every point you mentioned here……

    Read my blog and please share it→ bit.ly/34mTMj2

  9. Nice post! I like the tips to not throw out food and to bring lunch to work. I live by those two steps and you definitely save money by doing so!

  10. This is really helpful, loved the read, so thank you for sharing!
    And Happy New year! 😀

  11. Thank you for sharing all these awesome tips. This year one of my family’s focus is to live frugally. I think the tip to unsubscribe from emails is something I can action today. Less emails, less temptation and clutter.

    1. Such a thorough post!
      Very good point about needs vs wants…

  12. Very useful frugal living tips, thank you. I downgraded my mobile phone plan(#10) and saved $240 a year! It’s amazing how little things could make a huge impact on your wallet.

  13. Great list and its amazing how much you save. I had to chuckle at a couple of them – like coupons that have been around for years. I need to rethink that one. But for sure the cable, eating out, and so many of the others on the list make sense. And surprising how it adds up. Thanks

  14. I love these tips and felt kinda good going through the list because most of it we do (I am terrible at remembering cashback but I don’t shop much online anymore anyway), I think it really comes down to one of your tips- the money-saving mindset. Both my husband and I grew up this way and we like the minimal lifestyle anyway so it comes very naturally to us. Thank you for sharing these.

  15. This is an awesome post! I live a very frugal life myself and sometimes even find it hard to allow myself a treat every once in a while. You have mentioned so many great tips, some I have not yet tried! I look forward to trying them out! Thank you for sharing.

    I recommend for your posting that you spread out your content a little more with photos to break it up. You could even create your own infographic that links to the resources you mention!

  16. Love this. We are on a cross-country trio that is constantly challenging our budget, so we have become very frugally conscious! Haha. We started using a savings app this year and it has been helpful because it is a constant reminder to think about what we are buying. Paying off debt was something we started years ago and completed last year. Very freeing. Articles like this help spread the right message. There is nothing like the freedom of being more in control of finances.

  17. So many good tips! We already do some of these, but I for sure need to add more of them in!

  18. Love all these tips. Some I use already some I should try. It is nice to see them here all in one place. I particularly like dining out for lunch instead of dinner. Thanks so much for sharing.

  19. Thank you for the tips. I often wonder if I’d save money if I purchased in bulk for a family of two. I keep thinking it’s not worth it, what do you think?

  20. Great tips, my favorites were using a clothesline instead of a dryer and going to the library! I think you would like my blog a lot too, I don’t talk as much about finances but I love minimalism.

  21. Hi Mina,

    I really enjoyed your article on saving money. We do some of these things already like going out for lunch instead of dinner. I find it is more of a mindset than anything. We will certainly be using more of your tips going forward as I still can’t seem to build a budget that we can stay within. I find the unexpected expenses are the biggest issue; I guess I will need to add a higher ‘cushion’ for the unexpected into my budgeting. Thanks for all the great tips, 🤗

  22. These tips are really helpful. Thanks so much for taking the time to put them together!

  23. Yes!! Frugal does NOT mean cheap! Biggest misunderstanding

  24. Great tips! I have really gotten into the cashback apps, especially Ibotta, to use for the things I want…my personal extras!!

  25. Hi there. I’m all about a bargain. Thanks for this comprehensive list. I already do some of these things but there are others that I will try. I’m going to follow your blog for future reference. Thanks, again.

  26. Great post and very appropriate for this time. I especially like the idea of eating out for lunch instead of dinner. Sometimes we don’t think about how little changes like this can make a difference in how much money we spend. I especially like the idea of going to the library for books. I also get free books by being a reviewer on NetGalley, so that’s another resource if people want to write a review after reading a book 🙂

  27. “Hi! I just want to give you a huge thumbs up for your excellent info you’ve got right here on this post. I will be returning to your site for more soon.”

  28. This is an awesome list! One thing I do to save money is to buy items that we use all the time in bulk. Spices for instance, I can get a little or a lot (depending what I need) at the bulk food store and refill the spice bottles I have.

    1. Thank you Whitley for stopping by. I am glad you like the list.

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