What are your best tips for frugal living?

@puccagirl (7294)
Israel
October 17, 2010 3:00am CST
I am trying to be a bit more frugal, not so much because I have to, but because I think it would make it possible for me to save more, which would be great. So does anyone have any tips when it comes to being more frugal, not out of necessity, but because you just want to. I am so far budgeting, cutting down on costs where I can, on food, cleaning materials etc. And I also think I will use the envelope system for my budget in a while. But other than that, I have no idea of where to start, so any ideas would be appreciated!
4 people like this
18 responses
@asyria51 (2861)
• United States
17 Oct 10
When shopping, shop with a list. This list needs to incorporate the sales that are occuring and use coupons. Stick to the list. Never go to a grocery store when you are hungry. You will buy more. Stop buying paper towels, instead go to walmart and buy an 18 pack of washcloths for $4. Use these instead of paper towels.
1 person likes this
@angelic123 (1108)
• United States
17 Oct 10
Avoid dining out a lot. Excessive shopping. Especially when there are sale on the mall. You then to buy things that you need. When you go shopping have a full stomach. It will lessen your desire to shop more. When you do your budget minus the savings from your salary and the remaining money will be the one for your expenses. For example your salary for this month is 5 thousand dollar, subtract 500 dollars from it as your savings then the remaining 4 500 will be for the expenses, like bill payment. gas, food, and money allowance. You will save more if you do that instead of saving after paying all the expenses.
1 person likes this
@cher913 (25782)
• Canada
20 Oct 10
i visit the library fairly often, make a lot of suop, stay out of stores (or only shop at thrift atores, that sort of thing.
@puccagirl (7294)
• Israel
21 Oct 10
Oh yes, soup is a very frugal dish indeed, great tip! Thanks for sharing it!
@whyaskq (7523)
• Singapore
19 Oct 10
To live within your means is one good way to frugal living. Living within one's means means one only spend on necessities and basics needs. Luxury items and wants are applicable only to those who have some spare money to spare. Instead of cutting cost, perhaps you might want to consider increase the income? By working, you get more money and at the same time, able to save up on wasteful shopping and purchases.
@puccagirl (7294)
• Israel
6 Nov 10
You are absolutely right, of course! People really should not spend on luxury items unless they are absolutely sure they can afford it!
@GemmaR (8517)
17 Oct 10
These days, I don't spend very much at all. If anything, I tend to save much more than I spend. The trick is, to make lists of the meals you're going to eat during each week, and only buy the food that you need for those meals. If you can bulk buy on foods such as pasta, rice and potatoes, all the better- as you can use these a lot. Don't worry about buying shop brands of products- more often than not they're exactly the same product just in different packaging, and you can save a lot of money by doing this. Reuse everything that you can. If you drink things out of bottles, reuse the bottles and fill them with water so that you don't have to buy bottled water (very expensive, for what is essentially the same as you get out of the tap). If you have a job and usually buy from the office sandwich counter, try making your own packed lunch to take in with you. You will find that it is a lot cheaper that buying things every day. Also take coffee in a flask rather than buying it fresh. It costs around £3 to buy a cup, and it costs less than ~5p to make a full flask, which often makes around 4 cups for you, and it stays hot all day. If you're washing your clothes, wait until you can fill the washing machine fully so that you don't have to wash as often. Similarly with dishes- don't use a dishwasher. Wash by hand, and only wash once per day instead of after every single meal. You'll save a lot of water and washing up liquid. Have a shower instead of a bath, and don't stay in it for longer than you really need to. Also only wash your hair every two days rather than every day. There's no need to do it daily, most people's hair looks fine after a couple of days being unwashed.
1 person likes this
@marguicha (215346)
• Chile
17 Oct 10
A great source of cutting costs for me in groceries is to buy natural food and process them at home. I buy drylegumes, soak them, boil them all at once (saving gas) and then freezing what Iwon´t eat right then. I buy lettuce, cucumbers and all types of salads and wash and make them at home. I just take carefull the amount of lettuce I will use (if the rest gets water it will spoil faster). I use all leftovers. I buy whole chicken istead of pieces. I buy cheaper meat and groung my own and use a pressure cooker to make delicious tender meals with them. I NEVER leave a room if the lights are on. I never leave a room with the TV on. I recycle old rags for different uses (washing the car, cleaning my shoes, washing windows (I don´t use products for that, just plain water). Now I´m starting a vegetable garden. It´s an ambicious proyect even if I know I will only get little produce. But I have not bought oregano for years, I have planted over 10 tomato plants now and the sweet peppers are thriving. A best bug ate my cucumber plants but I planted more seeds in pots and will have them there. I don´t throw away even a tablespoon of cooked rice. It´s ext day´s omelette or I soak lentil and use it there.
@narayan2006 (2954)
• India
17 Oct 10
I have made it a regular habit of economizing the domestic consumption of energy and power by using energy saving devices like solar systems and other energy efficient aplliances.There are several ways to conserve water and energy for domestic needs.We do use the vegetable and other organic wastes for making manures that help grow vegetables in our small kitchen garden.On food front,we have not been much frugal,as we prefer to take nutritious foods and some additional food supplements to keep us healthy and disease-free. However,It has substantially reduced our expenditure on medical bill,medicines and doctor's fee. I always stay alert to get rid of all kinds of wastes,in each aspects of domestic and work life.
@puccagirl (7294)
• Israel
17 Oct 10
Yes, this makes a lot of sense. I guess there are no formulas that work for everyone, it is more important to look at your own personal situation in order to find ways to save and skimp, you are right. Thanks for pointing that out!
@34momma (13882)
• United States
18 Oct 10
Rather you have to or want too, the tips are still the same. I like to cut coupons. I love love love to shop on sales items. I will go to three different stores to find that one thing i need on sale. I make sure i take my shoes to the shoe maker to get fixed rather then buy new ones. I buy in bulk which allows me to have to shop less often. there are money things you can do to save money. Write down how much money you want to save each month. figure out where you think you can save the most, and begin there. just make sure you are putting the money you save into a savings account and not spending it
@athinapie (1150)
• Philippines
18 Oct 10
Hi there! Same with you, I am also trying to live a frugal life. Right now I just resigned from my job and I am still looking for work so being frugal is something that I should do now. Lately, I do not go out that much because going out would mean that I might spend more than I should like for food and if ever I am tempted to buy a new thing then I would really spend cash. So I just stay at home and by doing this, I do not get to spend so much. I only go out when I go to job interviews of if there is an important even. Another thing that I do is to avoid temptation like buying new clothes. I just mix and match the clothes that I have. And budgeting, like what you are doing, is a good practice as well. You can also find cheaper alternatives on brands so that you can save more. I hope that I helped you out on this one.
@richiem (3644)
• Philippines
18 Oct 10
Try asking if an expense is a want or a need.
@dismalgrin (2604)
• United States
19 Oct 10
I actually have to be frugal. Things like watching what you purchase are helpful. Whenever I'm broke I drink a lot more water. Sometimes I get those packages of drink mix to go and keep them in my car. If I'm out and thirsty for something besides water I pull into the nearest fast food place and ask for just their free cup of water. I pour in my mix and stir it up and there you go. A cheap drink!
@puccagirl (7294)
• Israel
21 Oct 10
That is a cool trick, I would never have thought of that!
@dorannmwin (36392)
• United States
18 Oct 10
The most important thing that I've found has been able to save us money since we started a frugal lifestyle a year ago was to always shop with a shopping list. When I go to the store with a shopping list I find that I am able to get out of the store without wasting a lot of money on things that I don't need. In addition to that, I try to use natural light whenever possible and I make sure to save all of my change. These three things have made a lot of difference.
@puccagirl (7294)
• Israel
21 Oct 10
Oh yes, I love saving the change, it is great! And shopping lists are really helpful too, you are completely right!
@cerebellum (3863)
• United States
18 Oct 10
I have to be frugal. I dont buy anything I don't need and if there is something I want or need, I will ask for it for my birthday or Christmas. I also don't have lights or the TV on when I am not in the room. I just do dishes every other day. I live alone and don't use that many dishes anyway and I don't want to waste the water. I make a list of what my expenses are for the month and then figure out how much I will have left, and if I can afford something else. Usually I can't. I am disabled and therefore am able to get a lot of programs that help a lot. If you just want to cut back and don't really need to you probably aren't able to get the programs. Also, I forgot to check and see what country you are from, and I don't know if other countries have some of the programs the US has.
@Imperar (56)
• Philippines
18 Oct 10
To live as frugal as possible, you have to be prepared to live life the hard way, be prepared to be uncomfortable most of the time, and look forward to the challenge of developing a mindset of resilience. Even a few billionaires still do this, they became rich by being as frugal as possible, they lived in rented houses as cheap as possible, reducing travelling distance to essential services, walk or cycle instead of paying for a car or public service, cut costs wherever possible. Eat once a day, preferably the most nutritious meal you can get at reasonable price. Use less than 5 gallons of water per day for washing. Make sure all your hard earned money is in a bank account and don't have a credit card. This way you are less motivated to go and withdraw out more cash and hence spend less. If you live in a hot climate you don't need an air conditioner or electric fan or refrigerator. Just enough to barely survive while you are on your road to riches. Re use all items you have. If you have a shampoo bottle, refill it. If you use kitchen tissue rolls, wash, dry and then re-use. If you don't need some things, sell it. Expend as little energy as possible - less energy = less calories = less food = less expenses while maximizing the frequency of your actions.
@abbey19 (3106)
• Gold Coast, Australia
18 Oct 10
I live frugally not because I have to, but because I want to, and it also helps the bank balance improve! Cleaning materials are so expensive, but I have cut right back by using stuff I already have in the house - bicarbonate of soda mixed with water makes a paste that cleans anything (great for bathrooms and kitchens). I use vinegar and water to clean my windows. Depending on what they are, any leftovers are kept for the next day, or they are used to feed my chickens - and we never buy eggs! Start a vegie garden if you can - besides saving on the cost of buying your own vegetables, there is nothing more tasty or fresher than home-grown, right out of the ground! Buy cheaper cuts of meat to make stews - I usually get 4 meals out of a kilo of meat so I freeze what I don't use that day. Turn lights off when not using that room, and turn appliances off at the wall instead of leaving them on standby all night. Hope some of these tips help.
• Philippines
18 Oct 10
Much of our money goes to expenses like maintenance, good grooming and stuff that when mismanaged will robbed us of our few saved money. I guess it will be cool if we take the initiative to learn some "handy man" thing like fixing a leaking faucet, airconditioner cleaning, doing a fuse replacement and simple motor wiring or changing your washing machine's fan belt that maybe eat up some of our precious time but will definitely spare us from paying a painful on the budget labor fee. By the way, for the longest time, it's my other half who has been doing my hair cut with so much ease. I don't pay him that much, he just settles for a kiss.
@elmiko (6630)
• United States
18 Oct 10
i would say to eat less because everybody's got to eat. there is some benefits to eating less anyway so not only can it help your wallet but it can also help your health. studies are showing that people who eat a low amount of calories daily live longer. i would call that a win-win situation.
@gabbymg (127)
• United States
18 Oct 10
I think your ideas are perfect, unless you have to be frugal, those are all you should be doing. I mean I've currently started an envelope system to help me put aside money for things I want, that way the money I need goes into my bank account. I also cut back on going out so much because I wanted to be able to go shopping every so often and not feel guilty about taking money straight from my paycheck. I would just cut down on costs and continue working with your envelope system, you could also cut down on driving because gas is so expensive, if you cut down on that it would surely save you some money!