Frugal Living: 90 Best Tips to Save Money

Whether you’re living paycheck-to-paycheck or just looking to save money to achieve a financial goal, knowing the art of frugal living can definitely help cut down your expenses to save more money. Without further ado, here are the 90 best tips to save money that you can start implementing today!

Frugal Living Tips to Save Money

1. A programmable thermostat can save you up to 10% on heating and cooling costs.
2. Making coffee at home instead of buying it from a coffee shop can save you hundreds of dollars each year.
3. Planning your meals and grocery shopping list can help you avoid impulse purchases and save money.
4. Using a clothesline instead of a dryer can save you money on your electricity bill.
5. Canceling subscriptions or services you don’t use can save you a lot of money.
6. Refinancing your mortgage can save you thousands of dollars over the life of your loan.
7. You can save money on your car insurance by shopping around and comparing rates.
8. Using a bike or walking instead of driving can save you money on gas and car maintenance.
9. Using energy-efficient light bulbs can save you money on your electricity bill.
10. Buying generic or store-brand products can save you money on groceries and household items.
11. Saving loose change in a jar can add up to a significant amount over time.
12. Buying in bulk can save you money on items you use frequently.
13. Turning off the lights and electronics when you’re not using them can save you money on your electricity bill.
14. Shopping at thrift stores and consignment shops can save you money on clothing and household items.
15. Buying a used car instead of a new one can save you a lot of money.
16. Using coupons and discount codes can save you money on purchases.
17. Choosing a high-yield savings account can help you earn more interest on your savings.
18. Buying a water filter can save you money on bottled water.
19. Turning off the water while brushing your teeth can save you money on your water bill.
20. Keeping your tires properly inflated can save you money on gas.
21. Switching to a low-flow showerhead can save you money on your water bill.
22. Buying in-season produce can save you money on groceries.
23. Investing in energy-efficient appliances can save you money on your electricity bill.
24. Using public transportation instead of driving can save you money on gas and car maintenance.
25. Buying store-brand medications can save you money on prescription drugs.
26. Making your own cleaning products can save you money on household items.
27. Using a water-saving toilet can save you money on your water bill.
28. Buying used textbooks instead of new ones can save you money on college expenses.
29. Taking advantage of free trials can save you money on subscriptions and services. Just be sure to cancel it afterward!
30. Using a fan instead of air conditioning can save you money on your electricity bill.
31. Drinking tap water (if it’s proven to be safe) instead of bottled water can save you money on groceries.
32. Using a prepaid cell phone plan can save you money on your phone bill.
33. Skipping appetizers and desserts at restaurants can save you money on dining out.
34. Asking for discounts or promotions can save you money on purchases.
35. Using rechargeable batteries can save you money on household items.
36. Canceling memberships or subscriptions you don’t use can save you money. Check out Truebill that can help you do that.
37. Taking advantage of cashback offers can save you money on purchases.
38. Using a clothesline instead of a dryer can also help your clothes last longer.
39. Keeping your home well-insulated can save you money on heating and cooling costs.
40. Buying in bulk can also help reduce packaging waste and save the environment.
41. Bringing your lunch to work instead of eating out can save you money.
42. Using a library instead of buying books or movies can save you money.
43. Buying pre-owned furniture can save you money on home decor.
44. Using a reusable water bottle can save you money on bottled water and reduce plastic
45. Checking your credit report regularly can help you identify errors and improve your credit score, potentially saving you money on loans and credit card interest rates.
46. Using a budgeting app can help you track your spending and identify areas where you can save money.
47. Making sure your car tires are properly aligned can save you money on gas and reduce wear and tear on your vehicle.
48. Switching to LED light bulbs can save you money on your electricity bill and they last longer than traditional bulbs.
49. Cooking at home instead of eating out can save you a significant amount of money over time.
50. Making your own coffee or tea at home can save you money on daily expenses.
51. Using a slow cooker or pressure cooker can help you save money on groceries and electricity.
52. Cutting back on meat consumption can save you money on groceries and promote healthier eating habits.
53. Using a water filter pitcher instead of bottled water can save money and reduce plastic waste.
54. Paying bills online instead of through the mail can save you money on postage and check fees.
55. Shopping around for insurance policies can help you find better rates and save you money.
56. Using a programmable coffee maker can save you money on electricity and coffee expenses.
57. Renting or borrowing books and movies instead of buying them can save you money.
58. Carpooling or using public transportation can save you money on gas and car maintenance.
59. Turning off the water while washing dishes by hand can save you money on your water bill.
60. Unplugging electronics when they’re not in use can save you money on your electricity bill and reduce your carbon footprint.
61. Choosing a credit card with cashback rewards can help you save money on purchases. Read more about why I use my credit card for everything here.
62. Buying quality, long-lasting items can save you money in the long run compared to buying cheaper, disposable items.
63. Checking for deals and discounts before making a purchase can save you money.
64. Using a reusable shopping bag can save you money on grocery bags and reduce plastic waste.
65. Cleaning and maintaining your appliances regularly can help them run more efficiently and save you money on your electricity bill.
66. Buying a water-efficient dishwasher can save you money on your water bill and reduce your carbon footprint.
67. Shopping for seasonal items at the end of the season can save you money on future purchases.
68. Paying off your credit card balance in full each month can save you money on interest charges.
69. Investing in high-quality cookware and utensils can help you cook more efficiently and save you money on groceries.
70. Renting or sharing tools and equipment instead of buying them can save you money on home improvement projects.
71. Using a reusable razor or safety razor can save you money on disposable razors and reduce plastic waste.
72. Avoiding impulse purchases can help you save money and avoid clutter in your home.
73. Using natural cleaning products like vinegar and baking soda can save you money on cleaning supplies and reduce your exposure to harmful chemicals.
74. Refilling printer ink cartridges instead of buying new ones can save you money and reduce waste.
75. Using a smart power strip can help you save money on your electricity bill by automatically turning off electronics when they’re not in use.
76. Loyalty programs and rewards can help you save money on future purchases.
77. Buying a reusable menstrual cup or cloth pads can save you money on disposable menstrual products and reduce waste.
78. Using a reusable lunchbox or container can save you money on disposable bags and reduce waste.
79. Using a reusable cloth towel instead of paper towels can save you money and reduce waste.
80. Using a drying rack instead of a dryer can save you money on electricity.
81. Learning basic car maintenance skills can help you save money on repairs and prolong the life of your vehicle.
82. Choosing generic or store-brand products instead of name-brand products can save you money without sacrificing quality for the most part.
83. Negotiating prices with service providers like cable and internet companies can save you money on monthly bills. Check out the app Truebill which can do this for you.
84. Using a prepaid debit card can help you control your spending and avoid overdraft fees.
85. Starting a garden can save you money on produce and promote healthy eating habits.
86. Use a price comparison website or app to find the best deals on products and services.
87. Shop at discount stores or use online marketplaces to find deals on products.
88. Switch to a cheaper phone plan that fits your needs.
89. Opt for a staycation instead of an expensive vacation.
90. Sign up for email newsletters from your favorite stores to get notified of sales and discounts.