Have you ever started a savings jar at home and eventually had to cash it in because you were strapped for cash? You try and try to save, you’ve stopped eating out, cut every unnecessary expense, and have even tried a money
saving tip or two …
Yet despite your efforts, all the tips you’ve found on “how to live frugally” haven’t made an impact on your savings account. And now you’re completely over the whole failed promise of frugal living…
You’ve come to the right place. I recently started frugal living and, like you, I love saving money without feeling like we had to give up all the things I love. I have a pretty good idea of which of the frugal living works and what doesn’t.
This guide is not a road map to being “cheap”. Instead, you’re about to get 40 practical and easy ways to be smart with your money. Living frugally is actually pretty easy now that I know how.
Follow Along, I promise to go slow…
This post contains affiliate links, what that means is if you click on a link I may receive a small commission at no extra cost to you of course.
How to Live Frugally in 2019
Food is the first place people overspend and grocery stores know it. They use every tactic in the book to lure you into spending more money than you intended. Take these frugal living tips, and use them to cut costs on food. More expensive item are eye level, try looking down or up to find a cheaper price.
1. Save $5 Every Time You Visit the Grocery Store
Who wants free money? I know I do! It’s possible with the Ibotta.
Ibotta is a free mobile app (iOS and Android) that pays you free money every time you go grocery shopping!
Simply snap a picture of your grocery receipt and just like that, your Ibotta account updates with free money, ready for you to redeem it in the form of a free amazon gift card, Visa gift card, your favorite restaurant’s gift card, or PayPal cash.
So, if you like free & easy money… Download the Ibotta App here and grab a free $10 gift card just for trying it out!
2. Easiest Money You Will Ever Save (Plus grab a $5 gift card today!)
Want to turn your debit card into a 1% cashback rewards card? Want to turn your 1% cashback credit card into a 2% cashback rewards card?
Download the Dosh App, connect your card, and start earning cash back rewards. What’s more? The Dosh App works automatically in the background at over 1,000+ locations (like Walmart)! Here’s just a peek at some the places YOU could be accumulating free cash from:
- Exxon Mobile – 2% Cash Back
- Guess – 5% Cash Back
- Target – 1.5% Cash Back
- Patagonia – 6% Cash Back
- Bed Bath & Beyond – 7% Cash Back
- Walgreens – 6% Cash Back
- Jiffy Lube – 10% Cash Back
- Wal-Mart– 3% Cash Back
The only time you’ll have to open the App is to redeem that sweet cash you’ve been accumulating from using your card like normal. Get the Dosh App, and receive a free $5.00 just for signing up with our link.
3. Your Favorite Foods Delivered To Your Door At 15% Off with Amazon Subscribe & Save
Do you buy this stuff at the grocery store?
- Protein Powder
- Coffee/Keurig Pods
- Canned Beans
4. Have your items delivered to your door with Amazon Pantry.
Why not get them delivered straight to your door… for 15% OFF! If you have an Amazon Prime Account (if not, get a free 30-Day trial here), take advantage of their Subscribe-And-Save Program and save $100’s every month! Stick the food you want on next months delivery, and get everything on the list for 15% off. It’s some of the easiest money you’ll ever save.
Prime Pantry is a 1-time order. You will NOT be subscribed to these items and you DO NOT have to cancel anything after you receive the box! You pay a flat rate of $5.99 for shipping (unless you have a credit (see here) OR use a credit that you can earn every month by picking to ship an item at a lower speed. If you buy 5 of those items you get free shipping) I often COMBINE both of those deals and save $10.99 just on shipping & credit!!! At minimum I use one…because I hate paying shipping on anything!
5. Eat More Meals At Home
Save hundreds every month when you get into the habit of cooking your dinners at home. Everybody knows that eating at home can save you money. In fact, there are added benefits, such as increased food safety and a chance at healthier ingredients. But, eating at home can be hard to pull off on our busy days.
Meal planning is the first line of defense against increased spending. You can take many approaches to meal planning.
6. Save 50% Off Your Meal When Eating Out.
When you exhausted from a long day at work, grab a coupon/deal from Groupon! We’re talking about 50% off your entire meal!
Living Frugally doesn’t have to be hard, indulge every once in awhile.
7. Save Hundreds At the Grocery Store By Making a Shopping List?
Want to know what’s killing your grocery budget? Impulse buys! Make a shopping list. I know, I know, we all forget to put stuff on our list. I am guilty of this I must admit.
Plan out your meals for the week or even month, jot down everything you need to before heading out to the grocery store, and you’ll find you have loads of money left over in your bank account every month.
8. Drink More Water
Water is cheap, heck it’s even practically free! It’s is healthy and filling.So ditch the expensive juices and sodas with water. Your wallet (and body) will thank you! Added bonus, the extra pounds you’ve been carrying around since Thanksgiving will melt away.
9. Say goodbye to plastic bottles
Bottled water isn’t good for the ozone. It costs $100/month/person to drink the recommended amount of water from a bottle! Know how much it costs to put a filter under the sink? $3/month. So no more over-priced water bottles. It will make you feel like a better person for doing your part too.
Try getting a water filter and a nice, insulated reusable water bottle
10. Save the Earth & some cash. Buy in Bulk
Why buy cereal in a cardboard box when you can help the environment and buy it in bulk! Stock up on pantry staples by utilizing the bulk foods section at your local grocery store and let’s keep this savings going!
And don’t forget to compare prices to Amazon’s bulk foods section and/or their Subscribe and Save store so you can be confident you’re getting the best price every time.
Leftovers are easy to have mixed feelings over. On the one hand, they mean you don’t have to cook a whole new meal, but on the other hand, eating the same thing three days in a row gets old quickly. Get yourself some good quality Tupperware so that your leftovers stay fresh and tasty for days!
12. Shop at Thread Up
Have you ever visited a Thrift Store? Well if you have then you know what to expect, Thread Up is an online thrift store with amazing stuff for cheap. Think of it as a thrift store on crack. I know, I know some people think buying clothes from a thrift store is gross but trust me, anything in good shape and can be washed is a score in my book.
13. Keurig Coffee Made Cheap
I hate to break it to you, but drinking coffee from a Keurig is not as cost effective as brewing a pot the old fashion way. But I know, we love our Keurig so use these two tips to make your coffee extremely cheap.
- Use Amazon’s Subscribe and Save to save 15% on every coffee pod
- Buy reusable pods and filters so you can brew any ground coffee with your Keurig
14. Clip Coupons Faster
Hate clipping coupons? Why not get the smartphone alternative. Download your local grocery store’s App and have every available coupon on your smartphone, ready for you to redeem! Super Easy, I cant figure out why it’s taken me this long to figure this out. Coupons are a must when it comes to living frugally.
15.Get Paid to Shop at Clothing Stores Online
Need a one-stop-shop to stay updated on your favorite retailer’s coupon codes and current sales? AND get paid FREE CASH for shopping? Then you need Ebates!!!
I love shopping online, its a gulity pleasure of mine but I dont like paying full price. Don’t ever pay full price! Use Ebates and get 2.5% back on your entire purchase. So stop everything you’re doing, and sign up for a free Ebates account, right here! And use this link to get your bonus $10 for signing up to and!
16. Pack Your Lunch
Packing lunch can save you a boat load of money. Not only can you save money by packing your own lunch, but it is healthier than eating out as well. Insert leftovers, take those for lunch instead. The average person spends about $7 on lunch, that’s about $1700 a year.
17. Pop Some a Tags shopping online.
Shop from the comfort of your couch with Poshmark! Search your favorite brand. I fiance just recently discovered Poshmark and lets just say I had to make him stop shopping or I was going to cut up his credit card.
Sign up for a free Poshmark account
18. Sell your old clothes for cash!
Spring time is the best time to do this. My own rule is, if you haven’t worn it in six months then get rid of it!
Sell your clothes on Poshmark or Ebay. Heck, have a yard sale while your at it.
And use that money to update your wardrobe for the season!
19. Sales, shop them sales girl!
Want to know how those sales racks exist? When a store gets a fresh shipment of new clothes the clothes that were just on display get shoved to the sales rack. I’m not complaining though, I love a good sale!
Start your shopping on the sales rack, and get more clothes for your money.
20. Gift Cards
Do you spend money on a credit and/or debit card? Earn a free gift card!
The Drop App is a free mobile app that hands out free gift cards for simply swiping your card at their cash-black locations. Just use your card like you normally would.
- No scanning receipts
- No need to open the app
The average Drop user gets their 1st free gift card within the first month of downloading the app!
21. Save 15% and have toiletries delivered to your door.
Place all your toiletry needs (toothpaste, floss, soap, toilet paper, you name it), onto your Amazon Subscribe and Save account.
These items will be delivered straight to your front door AND you’ll save 15%! Check out Amazon Subscribe and Save, and start saving 15% on the necessities!
22.Save $ by searching for deals
Never ever pay full price for something without checking to see if you can get it cheaper. With the internet there is no excuse for not researching a deal.
Grocery shopping? Check Ibotta for any cash back deals.
Shopping online? Check Ebates and save big! At the very least, log onto to see if Amazon you can get it’s cheaper.
23. Wear Your Clothes More Than Once Before Washing or Dry Cleaning
Do you wear undershirts under your dress shirts? How about hanging your dress pants up after each wearing? There are many steps you can take to ensure your clothes stay looking (and smelling) nice for several uses. Not only do you save money on dry cleaning by getting multiple days out of your clothing, you also reduce wear and tear on your clothing that comes from repeated cleanings keeping your wardrobe looking nice for longer.
The money you save on dry cleaning bills and detergent may be almost as exciting as the fact that your dark colors look sharp long after they would have ordinarily faded.
24. Need a Handy Man? Use YouTube or Google.
When something breaks, look it up on YouTube or Google. When living frugally, it’s always good to know what can be fixed yourself and what truly needs a professional.
25. Drug Store Finds
Sure, you want the great deals you’ve heard about at drugstores, but you just can’t spend time hunting for flyers and coupons.
No problem. If you have 60 seconds and a smartphone, you can find the best bargains at major chains like CVS, Rite Aid and Walgreens. There are websites devoted to helping you do just that.
You also can find manufacturer coupons through Coupons.com, which is both a website and an app. And you can rack up cash back by using the Ibotta app — which offers cash rebates on purchases from the biggest of drugstore chains and others.
It’s the combination of sale prices, coupons, store rewards and cash-back offers that enables you to pay as little as zero dollars for drugstore purchases.
Oh yea don’t forget to snap a picture of that receipt and load up your Ibotta account with free cash! Download the free Ibotta app (and don’t forget to grab your free $10 gift card)
26. Pre-paid Cell Phones
You’re overpaying for your cell phone plan. Call up your cell phone provider, right now, and ask them about their “Prepaid” options.
We use Straight Talk for our phones for $35/month!
27. DIY Projects
DIY projects are your best friend when trying to live frugally. Search through Pinterest for budget friendly and DIY renovation inspiration when updating your house! Super Savings!
28. Save On Gas
Ride your bike or walk when possible. If you are using your car, combine errands to save on gas. If you are heading to an appointment or the grocery store, think what other stops you could make while heading in that direction. It’s amazing how those little changes can add up to big savings!
29. Make Your Own Laundry Soap
I absolutely love this one. Its super easy to make and it is a lot cheaper than store bought. Check out Amazon for the three ingredients you need.
30. Find The Cheapest Flights (Without Hidden Fees)
Only use trusted flight checkers when deal hunting for plane tickets. (Unless you like paying hidden fees…) Here’s a few we’ve come to trust:
31. Avoid Speeding Tickets
Slow it down there speedy! The next time you have somewhere to be at a specific time, set your alarm for 15 minutes earlier than you would ordinarily. Not only do you stand to save money by driving the speed limit, you might also save your life – or someone else’s.
In addition to the cost of the speeding ticket, which can be $250 or more in some states, you also have to worry about your insurance rates going up. Depending on your car insurance plan and how many other tickets you’ve gotten, you could get flagged as a “reckless” or “unsafe” driver and end up with higher monthly premiums for years to come.
32. Bundle Insurance
Combining your home and auto insurance under one carrier may lead to some serious discounts. Also referred to as a multi-policy discount and a companion discount, bundling typically saves consumers anywhere between 20% and 30% on their premiums. While the amount you save varies from state to state, in certain states, like Georgia, folks saved as much as 22% by combining auto and home policies, and 11 other states also averaged discounts greater than 20% if you stuck with the same company.
33. Cash Back On Travel Costs Is Available
There are FREE money making opportunities on just about every vacation expense: flights, rental cars, hotel stays, vacation packages, and more!
Just check out the “travel section” on both Ebates and Ibotta. And for an added bonus, make sure you grab a FREE $20 just for signing up for free accounts using our links! Get your $10 just for trying EBATES! And Here’s $10 for trying Ibotta.
34. Negotiate Lower Interest Rates on Your Credit Cards
First, gather your credit card statements together. It’s important to know your credit history, payment schedule, and other important details before calling your credit card company and asking for a reduced rate. It is also important to note your current interest rate so you can negotiate.
You may want to mention your good payment history, your loyalty to the company, or a high credit score, if you have one.
You should always be polite when asking for an interest rate change. If you yell or become belligerent, then the customer service representative will not be as willing to help you. Politeness goes a long way in situations like these, though it is important to be persistent.
Keep in mind that you may run into difficulties getting a reduced rate if you have a history of late payments, a low credit score, or a lot of outstanding debt.
Your credit card company wants to continue to make money off of your account, so generally, they will not bring your interest rate down to zero. However, they want to prevent you from transferring all of your debt to a lower interest credit card, so they will likely decrease your interest rate if you ask.
35. Travel On The Off-Season
Every travel destination has an ideal time of year, but if you go during the off-season—when the weather isn’t quite as good—you can get some great deals, and still have lots of fun. Here’s how.
For most places you’ll visit, the off season will occur for one, or more, of these reasons:
- After peak travel times of the year, like summer and winter break. Around the holidays is also not the best time to travel if you want deals.
- If your destination has weather extremes like severe rainy seasons or harsh winters.
Before you start planning anything, double-check that the place you want to go even has an off season. Frugal Find!!!
36. Drop the gym membership
How often are you really going to the gym every month? If you’re there at least twice a week, then you’re probably getting your money’s worth. However, if you only attend sporadically, you can get the same workout in by jogging around the neighborhood, riding a bike, or doing a workout video from the comfort of your living room. It’s important to stay healthy and active, but you don’t have to overextend your personal budget to make it happen.
37. Get a Library Card!
Do you like free stuff? Then take advantage of your local library!! Check out CDs, DVDs, books, and even Kindle books.
38. Learn how to spend money correctly
When we handle money, it’s sometimes easier to not care about the future and spend money as fast as we make it. We spend it on what we want right now. Going in that direction may mean that we won’t have enough money to live on. We will be exposed to financial risk and decreased financial benefit. It’s easy to get into debt—one day of irrational purchasing can do it. But that one day may make it much harder to accomplish our goals over the next weeks or even years.
The most important money management goal is to have enough money to live on. That may mean money in the bank for food, gas, college books, and tuition. It means having enough money to pay for rent or a mortgage, utility bills, insurance, and more. And, we all want to save enough money while we’re working so we can help finance higher education for our family and enjoy—rather than dread—retirement.
To have money to live on, you need to spend your money wisely so you don’t run out before the next paycheck. Living paycheck to paycheck is scary and stressful—running out of money on Tuesday and not getting more until Friday is no way to live. When you live this way, you can’t make plans for the future or even for today.
39. Wash your car yourself
If you have soap, a bucket, and some old rags, there’s no reason you can’t do it yourself. Yes, going through a car wash may be quicker and easier, but a good wash and wax can be expensive, and mechanical car washes often miss hard-to-get dirty spots that a hand wash could fix in no time. A thorough car wash and wax, plus interior detailing, can cost up to $200, so those savings can add up very quickly.
40.Adjust your thermostat
Adjust your thermostat. Bump your thermostat down to 68 degrees in the winter and down to 78 degrees in the summer. It may be a bit uncomfortable at first, but if you throw on a cozy sweater and some slippers or warm socks in the winter or keep a glass of ice water nearby in the summer, your body will adjust and your bank account will thank you. You can also save more money by lowering the temperature when you’re not home or when you’re sleeping. Turning your thermostat down for 8 hours during the winter can save you 5% to 15% on you heating bill. Get a programmable thermostat to do this for you.
Alright, those are by far the easiest ways to live frugally on one income.
If you have any questions, comments, feedback, or tips I missed, I’d love to hear it below!
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