20 Best Frugal Living Tips with a Big Impact

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Learn to live well for less with frugal-living tips to help you save on everything from groceries to home repairs to family outings.

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Committing to a frugal life is not an easy thing to do. It’s hard to change our spending habits and lifestyle that we got used to. Many people live a frugal life without feeling deprived—and you can, too.

You have tried following some tips to save money in the past, but you always end up being broke. There is a big difference between saving money for the short-term and living frugally. Saving money allows you to keep a certain amount for a specific purpose. To live frugally, however, requires a permanent change of habits.

What are the Benefits of Frugal Living?

If you’re done with living from paycheck to paycheck, you should start assessing where your money goes. Frugal living has many benefits—and it’s not all about finances.

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You learn to be smart in handling your money

Frugal living allows you to have a clear picture of your financial status. When you are perfectly aware of your money and where it goes, you can make better financial decisions.

You understand that you must be careful about spending

Being prudent with your money means you are more cautious about where and when you spend. You know that you can find a great deal if you are patient enough to look around. A frugal shopper is in control of his or her spending.

You do your share to help the environment

Frugal living means less waste and trash, which is good not just for your wallet, but also for the environment. You only buy what you need and use it all up before buying more. Living a frugal life means you reuse and recycle what you have, reducing the amount of waste from your household.

You can future-proof your finances

When you are conscious about what you spend, you can set aside money for your future needs. Being a frugal person does not mean you are cheap; you know how to make your money work for you. You know that money is essential, and you want to be ready for contingencies and retirement. There are excellent online resources like Money Task Force that can help you achieve financial stability and independence.

You become resourceful and creative

Frugal people are experts in making the most of what they have. They rarely buy products if they can make their own at home. They do not pay for a service that they can do by themselves. When you live a frugal life, you learn to create and repurpose so that you do not have to spend on unnecessary things.

You learn to appreciate the simpler things in life

When you are living a frugal life, you learn to be more grateful for what you have. It is easy to feel discontented when you are focused on the new products and services pushed to consumers every day. You don’t need to buy new shoes to feel better about yourself. The focus is not on more material things, but on the things that matter like family and personal happiness.

You build and nurture better relationships

Frugality can help bring you and members of the family closer by sharing ideas and collaborating on projects. You can spend an afternoon creating a small home garden or refinishing old furniture instead of throwing it away. If you have children, it is a great way to teach children how to become more prudent and resourceful. The fact that you spend more time together with hands-on work creates a tighter bond. 

20 Best Frugal Living Tips with a Big Impact

If you are new to frugal living, it may take a while to get used to it. After all, we have been used to having everything at the tip of our fingers. Convenience, unfortunately, comes with a hefty price. Small changes to your spending habits produce a significant impact on your life when done permanently. To begin living a frugal life, here are the 20 best (and simple) tips that you can start doing now.

Food and Groceries

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There are a ton of ways to save on food and groceries while living frugally:

1. Stop eating out

A lot of us are guilty of dining out now and then. While a $50 dinner may not seem much at first, if you eat out four times a week, the amount comes up to $200 each week or $800 a month!

The amount that you can save from eating out can be set aside for mortgage, tuition, or for a dream vacation.  Also, you can save each year on your birthday by getting free birthday meals.

2. If you eat out, be smart about it

Living a frugal life does not mean you will be depriving yourself and your family. When you have to dine out, such as for a birthday or anniversary, you can save money by making small changes:

  • Go to a more affordable restaurant. Ask for their lunch or breakfast specials.
  • Use free food apps to find specials at your favorite restaurants.
  • Skip the soda and alcohol, and opt for water instead. Water is better for your health and your pocketbook.
  • Don’t forget to take out the leftovers. Restaurant meals usually serve large portions, and you can heat the leftovers or repurpose it for your next meal at home.

There are always ways to find discounted meals or even free food — use it to your advantage if you want to live frugally.

3. Bring a brown bag to work

Unless meals are provided for free, it is best to pack your meals or snacks to take to the office instead of eating out. You save a lot from eating meals you prepared at home.

4. Check out the pantry before buying groceries

Before heading out to buy groceries, take a look at your pantry so that you do not obtain any similar items, which is a waste of money. Check the labels for expiration dates so that nothing goes to waste. 

5. Make a list before grocery shopping

The best way to save money on grocery shopping is by making a list and sticking to it.

It is so easy to spend more when you are roaming around the supermarket, mindlessly shopping from aisle to aisle.

A grocery list helps you focus on the things that you need to buy. You also spend less time browsing the aisles because you already know what you are looking for.

To avoid feelings of deprivation, allow yourself and every family member to choose an item that they like, such as a pint of ice cream for less than $10. You can easily save $100 a month simply by having a list.

Home, Transportation, and Entertainment

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6. Live in a smaller house

If you have to choose a house or apartment to rent, look for a smaller one. A big house or apartment unit is lovely, but aside from the higher rent or mortgage payments, you also have to spend more on maintenance or upkeep.

We’re not saying you should stick to a matchbox-sized tiny house if you can afford it, but take into consideration the expenses that you need to shell out each month with a bigger home.

7. Entertain yourself at home

Going out is a lot of fun, but there’s also nothing wrong with staying home for the night or during the weekend.

There are different ways to have fun at home without breaking the bank:

  • Have a movie marathon with the family using cable alternatives. Let each family member choose a flick to watch.
  • Invite friends over for board game night for some fun and socialization. Arrange for the potluck, so everyone brings in something for the activity.
  • Have a family photo shoot at your very own backyard. Gather props, dress up fancy, take funny pictures—it’s up to you.

There are a lot of ways to have fun without spending a ton of money at bars or concerts. This is a great way to save $200 or more — depending on your previous spending habits.

8. Maximize your car

Having more than one vehicle is excellent, but with the price of gas continually increasing, it’s not that friendly to the pocket. If you're not using gas apps to save money — then you can try to maximize your car so only one is needed for the household.

Work out everybody’s schedule so that only one car is needed to bring everyone around.


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9. Take a bike to work

If you don't work from home, and still commute to work then consider biking if possible. Many people are taking their bicycles to work for different reasons. Some do not like the trouble of commuting, and some hate the price of fuel.

If your workplace is not that far, you can take your bike to work and get adequate exercise while saving on transportation costs and car expenses.

10. Skip Ubers and try walking

Provided that your destination is at a comfortable distance, they can walk to your destined location or use a bike to get there.

Aside from the regular exercise for you, walking to and from closeby locations can save you $250 to $500 in Uber/Lyft fees each year.

11. Use your car to make money

Why not use your vehicle to earn extra income? Look for passengers willing to join your carpool.

Aside from making extra cash, you’re doing your share to help the environment.

You can also use your car to work delivery app jobs to earn more money. Gig economy jobs like DoorDash and Instacart are great money makers.

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DoorDash provides more stable hourly pay but has lower earning potential. Instacart has higher earning potential but you must book your schedule in advance. Most gig workers sign up for both to maximize their earning potential.

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Health, Beauty, and Fashion

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12. Generic is as good as branded

Whether you are taking medication or supplements for your general health, ask your doctor to prescribe generic medicine.

Branded medicines are more expensive than generic drugs; thus, you can save hundreds of dollars by choosing the latter.

13. Looking good doesn't mean spending a lot

Living on a frugal budget is possible and realistic. You can save so much money by carefully selecting beauty products and shopping for clothes wisely.

  • Buy clothes off-season to save money. For example, summer clothes are usually on sale during the colder months. You should also take advantage of clearance sales where you can get as much as 80% off on apparel, shoes, and bags.
  • Drugstore brands offer reasonably-priced skincare products and cosmetics compared to department store brands. This can help you save money on makeup expenses.

14. Go natural

Skincare or haircare should not be complicated, toxic to your health, or hard on your pocket. Many people swear to the benefits of natural skincare, and the ingredients can be found in your pantry.

  • Make your facial mask by mixing honey, essential oils, and oats. You can change the ingredients based on the condition of your skin.
  • If the toner is a part of your daily skincare, a DIY facial toner is natural to do at home. Just mix apple cider vinegar with filtered water then add your favorite essential oil. Rosewater is also a great ingredient to make facial toner by yourself.
  • Natural hair products are an easy way to save money and are simple to make, for example, a DIY hair conditioner only needs two simple ingredients: honey and olive oil.

15. Simplify your wardrobe

Avoid being trends-conscious to save a significant amount of money.

Find out what works for your body type and build your wardrobe with simple, classic pieces of clothing.

You can find ways to sell clothes that don't fit at consignment stores near you for extra cash.

16. Extend the life of your clothes

Do not use excess detergent when washing clothes to prevent fading and residue build-up on fabric.

Instead of throwing away clothes with some damage, repair them so they can be used longer.

17. Invest in your health

Living beyond your means is not scrimping on the essential things, like taking care of your health. Do not delay checkups or treatments to prevent conditions from getting worse.

Kids and Hobbies

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18. Look for free hobbies

There are many hobbies that you can do without spending a dime. You need to be creative and open to new ideas to make them work.

  • Grow a mini-garden with your favorite flowers and vegetables
  • Go hiking with friends
  • Swim in the lake or nearby beach
  • Practice yoga at home every day
  • Take up running as a hobby

Free hobbies make you happy and can also make your wallet happy.

19. Invest in personal developement

As mentioned earlier, living a frugal life does not mean that you are cheap. It only means that you value what matters, such as your personal and career development.

Take up online courses that can help you find work with a better salary or improve how you do your current job.

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20. Teach your kids about frugal living

Educating your kids on how to be frugal will have a better impact when they are still young. This way, they learn habits that they can apply to their life even when they grow older.

  • Avoid spoiling your kids with gadgets and toys. Material things cannot substitute for the time you spend with them. You can also get them free books for kids and read with them.
  • Foster good spending habits not because money is valuable, but because there are more important things in life than money and material things.
  • Be a good example. Children will not see the benefits of frugal living if you do not practice it.

Overall, you need to build a family financial plan and stick to it.


Living a frugal life is not as complicated as it seems.

With a few changes and tweaks on how you do things, you will be able to avoid unnecessary expenses and make a significant impact on your overall financial health.

Although some of these tips may not apply to you, the only way to start living frugally is by changing your spending habits and mindset.

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About the author

Brian Meiggs
Hi, I'm Brian Meiggs! A personal finance expert, entrepreneur, and the founder of My Millennial Guide. My drive is to help others unlock the wealth of freedom and pave the path to financial success. With my bachelor's degree in finance, I help millennials follow the smart money in order to increase their earning potential and start building wealth for the future. I write regularly about side hustles, investing, and general personal finance topics aimed to help anyone earn more, pay off debt, and reach financial freedom. I have been quoted in major publications including Business Insider, Yahoo Finance, NASDAQ, Discover, GoDaddy, BiggerPockets, Fox News, Debt.com, Quick Sprout, Money Geek, MSN Money and many more!