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Frugal Living Comprehensive Guide: 37 Ways to Find Serious Savings
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Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
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Frugal living isn’t about being cheap; it’s about being resourceful.
It’s finding ways to save where you can — whether via coupons, freebies or DIY hacks — so you can focus your money and attention on the things you value, whether that’s saving for a comfortable retirement, traveling or living a debt-free life.
In this article
- 6 steps to opening a Roth IRA
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- What is IRMAA?
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- Life insurance buying guide
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- What is the sales tax deduction?
- What is an FHA loan?
- What is the earned income tax credit?
- What is bill pay?
- Bizee: Easily form your new business
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- Hubspot
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- Why is retirement planning important?
- What is an index fund?
- What are dividend stocks?
- The Platinum Card® from American Express
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- What is FICA tax?
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- What is a VA home loan?
- What is passive income?
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- Bullish vs. bearish: What’s the difference?
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- Pros and cons of VA home loans
- Rent a car from a rental company
- How do I pay myself as a sole proprietor?
- How the Fed changed the role of reserves
- How tax extensions work
- Unique Hilton hotels in Las Vegas
- How to apply for a Kikoff line of credit
- Bank of America vs. Chase: Basic savings accounts
- Treasury bond and note calculator
- Who pays the closing costs?
- 3. They're made of heavy metal
- When to estimate closing costs
- What is a good business credit score?
- 5. Find tax credits for health insurance
- If you want a credit card for gym memberships, fitness clubs, etc.
- Which life insurance policy is right for me?
- Sage 50 Accounting security features
- Consider a second major, minor or certificate
- Kirkland’s
- What's next?
- What’s a spousal Roth IRA?
- Should I take a lump sum payment or annuity payments?
- Citi Priority checking accounts
- How much should you spend on a mattress?
- Other considerations
- Managing expectations
- How much interest will I earn on $10,000?
- 3. Taking the standard deduction vs. itemizing
- How does Amtrak BidUp work?
- 3. Apple Pay Later
- RiverSource customer complaints and satisfaction
- 4. Prepare for resistance
- Spirit Airlines change fees
- Selling vested shares
- Airbnb hacks and strategies to avoid overpaying
- Are Walmart MoneyCenter services worth it?
- How to find another company's EIN
- What’s not covered
- Frugal DIY project tips
- Choosing your business structure: What to consider
- What are the risks of investing in Treasurys?
- Know when to say 'no'
- Keap: Best for dedicated support
- Cruises
- More about these investment expenses
- States that have estate taxes, inheritance taxes or both:
- Why the Chase Freedom Unlimited® could be more appealing for some
- How to get Global Entry through travel cards
- Why you might prefer the Capital One VentureOne Rewards Credit Card
- 7 ways to expedite your passport application
- How to qualify for first-time home buyer benefits
- Is it cheaper to fly to Oahu or Maui?
- Your 401(k) plan allows after-tax contributions
- Who is covered?
- How do HSA and FSA contributions work?
- Shop with your card to earn miles
- 4. Home Depot offers a separate card for bigger projects
- Rewards opportunities
- You’ve reported an increase in income
- 3. IRS imports tax information
- Cooling rents still aren’t showing up in inflation data
- 2. Choose how you'll pay
- When can you stop paying for PMI?
- How to invest in dividend stocks
- 3. Separate your business and personal finances
- What is a business cash management account?
- 4. Register your business
- Why is there an egg shortage?
- How to apply for a joint business bank account
- 4. Both cards earn rewards
- Marriott Bonvoy Brilliant™ American Express® Card
- Tips for booking rental cars with an app
- 3. Open an investment account
- Can you invest in OpenAI’s partners?
- The Bitcoin ETF price war
- How does an unsecured loan work?
- How many banks have collapsed?
- Colonial Penn customer complaints and satisfaction
- How to invest in AI stocks
- The significance of adjusted gross income
- Frontier’s Discount Den benefits
- Do I pay taxes when I cash in savings bonds?
- Is PIP insurance all you need to drive in Florida?
- You'll likely forgo a welcome bonus
- Do I have to pay California state tax?
- How to open an ABLE account
- How much is car insurance in my state?
- Simplified version vs. actual expense deduction
- 6. Apply for college grants
- Is PMI worth it?
- Sage 50 Accounting customer support
- The particular risks of neobanks
- What you'll pay at closing
- Your RV should be tall enough for you (but not too tall to drive)
- Diversifying with index funds
- Overcoming new car envy
- 5. You’ve had the card at least 12 months
- Cheap cell phone plans from brands that resell network service
- Communicate beforehand
- How to use the car lease calculator's results
- How else can I buy cryptocurrency?
- Affiliation discounts
- W-4 form 2024
- Low-cost insurance available in California
- Calculate your reduced Roth contribution
- More ways to take charge of your budget
- Quality Inn
- How to increase your net worth
- More about RiverSource
- State Farm customer complaints and satisfaction
- Credit cards that don’t cover some EV car rentals
- Additional education tax breaks
- Medicare Supplement Insurance prices in Massachusetts
- Standard deduction 2024
- 3. EarnIn: Best for large advances
- 4. You’ll get a small introductory bonus
- Other Kikoff credit-building tools
- Paying for the trip
- MagicBand pros and cons
- 4. Some of the perks are fancy
- Booking award flights
- Cruising versus flying
- InMotion: Best for VPS hosting
- The bottom line
- Clothes, vintage and crafts
- How do bonds work?
- Hack your IRA
- Mattress-buying tips
- Compare Medicare Part D plans
- How to change a United flight
- What to do after removing an authorized user
- Best homeowners insurance in Florida for having few consumer complaints: Chubb
- How much does working with a CFP cost?
- 6. Confirm the check details and complete the deposit
- Where Colonial Penn stands out
- 5. Refrain from big financial decisions
- Are home equity loans a good idea?
- Medicare resources in Pennsylvania
- How to qualify for the earned income credit
- What isn’t covered by personal property insurance?
- 4. The cards could help you finance a purchase
- 5. Online savings accounts
- How to choose between term and whole life insurance
- MAGI vs. AGI: What's the difference?
- Watch out for capital gains taxes
- Get more help with monthly budget planning
- Step 3: Choose your lender and loan
- Types of life insurance trusts
- Best homeowners insurance in Washington for consumer experience: American Family and Nationwide
- Your 401(k) lets you move your after-tax money
- Why is the 10-year Treasury yield important?
- 5. Contact the seller or visit a dealership
- How much to keep in your savings account
- What solution add-ons are available?
- Best for local support: Blue Cross Blue Shield
- 5. Loyalty doesn't always pay off
- Is United’s basic economy worth it?
- Bear market vs. recession: What’s the difference?
- 4. Delay impacts some state financial aid forms
- How do tax refund loans work?
- 4. Find startup funding
- Do I still have to pay the IRMAA if I choose Medicare Advantage?
- 5. Foreign transaction fee is low
- A new addition to my wallet
- How to prepare for a phone screen interview
- How are gas prices determined?
- Money market mutual funds vs. money market accounts
- Is the Frontier GoWild Pass worth it?
- How to cancel an Emirates Skywards award flight
- The bottom line
- Figo coverage options
- Bank of America vs. Chase: Certificates of deposit
- Consider travel insurance
- Treasury bills calculator
- What do closing costs include?
- Market your skills effectively
- Lost: Enough time to do your taxes because you were hunting for lost documents
- Which Bilt transfer partners are best?
- How to open a Roth IRA in 6 steps
- When your interest rate matters (and when it doesn't)
- How do I deal with lottery taxes?
- No-PMI mortgages
- Benefits of a business cash management account
- If you decide to negotiate the penalty
- How to buy cryptocurrency with a credit card
- Booking Southwest flights to the Caribbean
- Compare the best savings and money market accounts
- Clarion
- Who might prefer the Blue Cash Preferred® Card from American Express
- Where State Farm stands out
- 7. Keep the check until it's processed
- Where Colonial Penn falls short
- How does cryptocurrency work?
- How much do I pay myself as a sole proprietor?
- Medicare Supplement Insurance Providers
- In-flight experience
- You should probably postpone buying a house if …
- Should I do a balance transfer?
- How to stop backup withholding and get credit for it
- How to calculate your modified adjusted gross income
- Marriott Bonvoy Moments
- How to file a Capital One rental car insurance claim
- Consider the costs of cashing out your 401(k)
- Mortgages where credit score matters less
- Most rent remains unaffordable
- Best car insurance in Florida for ease of use: State Farm
- When the Southwest Rapid Rewards® Premier Credit Card could be a better choice
- How to find the 2024 W-4
- What is Georgia's standard deduction?
- How to find AI ETFs
- What is the VA loan limit?
- LLC payroll taxes
- Frugal home expenses tips
- 5. Financing options are available, but proceed with caution
- Kikoff vs. Self
- Understanding the American Express card families
- What is California's standard deduction?
- How to apply online for Global Entry
- ABLE accounts can provide peace of mind
- Is there an income limit to qualify as a first-time home buyer?
- 5. Overall, the cards are so-so
- Watch out for scams
- How do I access the money in my FSA or HSA account?
- How much life insurance should I buy?
- HostGator: Best for dedicated server hosting
- What information is not found on your credit reports?
- It may help the card issuer with retention
- Slide outs seem like a luxury — as long as you can still use the bathroom
- How comprehensive insurance works
- Quick start guide: How to invest in index funds
- Save money on PMI
- World of Hyatt
- What you’ll pay for Medigap
- Pros and cons of using a credit card to buy cryptocurrency
- Passport picture requirements in the U.S.
- Best for emergency medical coverage: Allianz Global Assistance
- IHG One Rewards Premier Credit Card
- Do spot Bitcoin ETFs have custodianship risk?
- VA funding fee vs. mortgage insurance
- Where State Farm falls short
- 2. Certificates of deposit
- How to change or cancel an EIN
- Standard deduction for those 65 or older
- What is your modified adjusted gross income (MAGI)?
- Credit union personal loan rates
- Using Hilton complimentary night rewards in Vegas
- How to buy Treasury bonds, notes and bills
- Constant Contact: Best for unlimited user access
- 3 ways to avoid inheritance tax
- Taxes for rollover IRAs: 2 rules to know
- Which card (or cards) should you get?
- Recent IPOs: How did they do?
- The most popular surveys for cash apps
- When you need a passport for a cruise
- Flying between Maui and Oahu
- 3. Get disability and life insurance
- Are 10-year Treasury notes a good investment?
- Alternatives to savings accounts
- More from Sage
- 5. Student Aid Index (SAI) replaces EFC
- More reading about ETFs
- 3. Store your cryptocurrency
- 5. Find suppliers and create your jewelry
- 5. Separate your business and personal finances
- Next steps:
- Service and food
- How much does it cost to invest in the S&P 500?
- Ready to get started?
- Compare the best CD accounts
- How do I find a certified financial planner near me?
- Other Roth IRA rules
- 4. Pick an investment strategy
- Clarion Pointe
- 4. Klarna
- How the 9 states with no income tax stack up
- How to calculate quarterly estimated taxes
- 6. Be conservative when spending and saving
- How to choose a money market fund
- How do I grow my home's equity?
- When is the deadline for filing a tax extension?
- Restrictions and waiting periods
- How can I access these locations?
- Should you choose Bank of America or Chase?
- Making it memorable
- Which card should you get?
- The bottom line
- Are Disney MagicBands worth it?
- No-closing-cost mortgages
- You’ve got money left over for savings
- What if I don't use all the money?
- 6. Inspect and test-drive the car, if applicable
- What's next?
- Brand New Day Medicare Advantage plan types
- Insurance broker vs. independent agent
- Is transferring your Bilt Rewards worth it?
- Final thoughts on earning American Airlines miles with Citi or Bask Bank
- How do I find out if the Medicare IRMAA applies to me?
- Still not sure which budget system is best for you?
- The bottom line on OpenAI
- Why did First Republic Bank fail?
- What factors impact your credit scores?
- More about State Farm life insurance
- More about Colonial Penn
- Medicare resources in Massachusetts
- How are cryptocurrencies created?
- Extra personal property coverage for valuable items
- Reasons to get a credit card
- 5. It’s still a store card
- 4. Varo: Best for existing bank customers
- 6. High-yield checking accounts
- 2023 state income tax rates and brackets
- How to get IHG Ambassador status
- Step 4: Gather loan documents
- What else you need to know
- The U.S. needs way more rental housing
- Things to consider
- Other low-down-payment mortgage options
- Other possible outcomes
- Vehicle-related features discounts
- Claiming tax-deductible donations on your tax return
- Do I have to update my W-4 every year?
- Full list of the best homeowners insurance in Florida
- What is the difference between a CFP and a CFA?
- Emirates' cancellation policy recapped
- Benefits of RSUs
- Benefits for all Chase checking accounts
- How many tax extensions can you file?
- How to earn Hilton points quickly
- Making the decision: options vs. stocks
- How do you buy Vanguard Index fund shares?
- What part of my income gets taxed by California?
- Full list of the best homeowners insurance in Washington
- EveryDollar, for simple zero-based budgeting
- Why flying JSX still might not make sense
- You must ensure your car can actually tow your RV trailer
- Other stock market changes: Dips, corrections and crashes
- 6. Sell your jewelry
- Drawbacks of a business cash management account
- 6. Create a business budget
- You don’t need to have $10,000 to take advantage of compound interest
- Compare the best checking accounts
- 4. Keep an eye on popular tax deductions and credits
- What's the tax filing deadline for my Georgia state income tax bill?
- Contributing too much to a Roth
- MainStay Suites
- Getting a refund for your funding fee
- Types of gas
- Medicare Supplement Insurance Providers
- Refinancing a VA home loan
- Who counts as a qualifying child for the earned income credit?
- Some helpful links from the IRS
- How do you buy 10-year Treasury notes?
- Best for low-cost plan availability: Humana
- Other things to keep in mind
- The card issuer hopes you’ll carry a balance
- 6. Pell Grant award expands
- Full list of the best car insurance in Florida
- Mutual fund fees
- How much does a tax refund loan cost?
- Crypto as a credit card reward
- Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
- Methodology
- What do the approvals mean for Bitcoin?
- Consider a Discount Den membership instead
- 3. Bonds
- How much does a tax extension cost?
- Figo pet insurance rates
- Alternatives to term and whole life insurance
- How much is car insurance by company?
- Other home office deduction rules and considerations
- Should you fly JSX with your pet?
- Cloudways: Best for cloud-based web hosting
- How to build your credit score
- Electronics
- What about the other Southwest cards?
- Final thoughts on changing your United flight
- Best Android personal expense tracker apps
- VA funding fee isn't the only closing cost
- How to earn Avis Preferred Points
- Could we be in an AI bubble?
- 7. Know when to get help
- Why are there so many kinds of cryptocurrency?
- LLC self-employment taxes
- What is 100% or full reserve banking?
- How to get a loan from a credit union
- If you want to stay in a Hilton hotel in Las Vegas ...
- Next steps:
- Closing costs for the buyer
- The decline of strikes in the U.S.
- Bottom line
- 7. Determine which warranties are right for you
- How much do life insurance policies cost?
- Brand New Day Medicare Advantage service area
- The picture so far
- How much does comprehensive coverage cost?
- Are bonds a good investment?
- How do I pay the Medicare IRMAA surcharge?
- How to earn more interest in a savings account
- How to adjust your Form W-4
- Compare the best banks, credit unions and cash management accounts
- More Florida home insurance companies
- Why did Silicon Valley Bank fail?
- If you’re considering a stay at Minute Suites
- How corporations differ from sole proprietors in terms of salary
- Zoho CRM: Best overall CRM software
- Am I a resident for California state tax purposes?
- Gift cards
- The bottom line
- Seller-paid closing costs
- Why do I need a business credit score?
- Do you pay tax on T-notes?
- Things to consider when seeking a higher credit limit
- Why insurance companies reward smart-home devices
- How to switch plans and keep your number
- Supplemental strategy
- Amtrak BidUp tips
- Benefits of an IRA
- Everhome Suites
- 5. PayPal
- United Airlines flight delay compensation, recapped
- Other limitations on EV car rental insurance coverage
- Fees to check in and obtain your boarding pass for your Spirit flight
- Types of VA home loans
- Drawbacks of RSUs
- Can I claim the EITC without a child?
- Standard deduction for dependents
- Tax extensions for overseas taxpayers and military members
- How much does homeowners insurance cost in Washington?
- Capital One car rental coverage, recapped
- Where to find the best savings accounts
- Working from hotel rooms can be feasible
- Other ways to buy insurance
- Why you can trust NerdWallet
- Are these the best dividend stocks?
- Can I take my own passport photo?
- 5. Understand your investment options
- Should you get a secured or unsecured personal loan?
- Interest-based passive income ideas
- What is the money multiplier formula?
- Costs of carrying a credit card
- 5. Dave: Best for repayment flexibility
- What are the best Vanguard index funds?
- Exclusive invitation: IHG Royal Ambassador Status
- Which type of life insurance should I put in a trust?
- Next Steps
- How to buy consumer discretionary stocks
- Pros and cons of tax refund loans
- 7. Establish your brand and start marketing
- 7. Determine your pricing
- Best for travelers with pre-existing medical conditions: Travel Guard by AIG
- Charitable deductions 2023
- If you want to use an app to rent a car
- Checking in for your Southwest Caribbean flight
- Compare the best bank accounts for students and kids
- 5. Know what tax records to keep
- What is the difference between a CFP and a financial advisor?
- How to track your Georgia state tax refund
- How to redeem Avis Preferred Points
- How to estimate taxes for an income tax extension
- If you’re thinking about buying Frontier’s GoWild Pass …
- LLC sales taxes
- In-flight entertainment
- Merchandise
- Step 5: Submit your application and get funded
- How do ETFs work?
- The bottom line
- How do I get my business credit score?
- 7. Application available in more languages
- Can you lose money in mutual funds?
- Wyndham Rewards
- The Capital One Venture Rewards Credit Card is more practical and flexible
- Factors that don’t affect your credit scores
- Why are California gas prices so high?
- How to claim the earned income tax credit
- Another Chase checking account perk: the Chase Disney debit card
- Credit union vs. online lender
- How to get Discount Den membership for free (or cheap)
- 2024 state income tax rates and brackets
- Can you contribute to a rollover IRA?
- Typical entry-level salaries by occupation
- 8. Negotiate the best price
- How to choose the best web hosting for your small business
- Overpacking is easy — but it’ll ruin your trip
- The bottom line: Is comprehensive insurance worth it?
- What's next?
- Summary of the best banks and credit unions of 2024
- Protections: Peace-of-mind benefits
- WoodSpring Suites
- Which card should you get?
- How many times can you use a VA home loan?
- When can't you take the standard deduction?
- What happens after you file a tax extension?
- Discounts
- A resurgence of strikes in the U.S.
- Best of the Blues: Highmark
- If you see errors, dispute them
- Should you buy smart-home devices?
- 8. Fewer questions
- Should you invest in cryptocurrency?
- What hotel brands are part of IHG?
- Mutual funds: The bottom line
- 8. Market yourself
- Passport picture requirements don't forbid makeup
- Find your cards, find your strategy
- What are milestone awards?
- If you're considering renting an electric car
- Are cryptocurrencies financial securities, like stocks?
- Fees to select a seat ahead of time
- The bottom line
- Calculating MAGI: Example
- Is Global Entry worth it?
- Average cost of homeowners insurance in Washington by city
- Other closed-loop cruises
- Empower Personal Dashboard, for tracking wealth and spending
- How much money can you make on YouTube?
- Can I appeal the Medicare IRMAA if I don't think it applies to me?
- Should I invest in an S&P 500 index fund or S&P 500 ETF?
- Stock market crashes in history
- Fee-only vs. fee-based financial advisor
- 2024 Georgia state income tax changes
- What do the approvals mean for other crypto investments?
- Why did Signature Bank fail?
- How to improve your credit
- Should you invest in AI stocks?
- State availability
- How much personal property insurance do you need?
- Other perks of KLM business class
- Why a financial advisor's fee structure matters
- Tax refund loan alternatives
- The bottom line
- 4 key things to know about bonds
- Shopping protections
- 6. Sezzle
- How to pay estimated taxes
- LLC tax forms and deadlines
- How Chase premium checking accounts compare
- 6. MoneyLion: Best for existing customers
- The other Frontier program: Frontier Miles
- Other ways to build credit
- Maui vs. Oahu, recapped
- Important considerations when opening a Roth IRA
- 9. You can list more colleges
- Bond Funds
- 9. Prepare yourself for tutoring challenges
- Personal traits discounts
- How much does homeowners insurance cost in Florida?
- Suburban Extended Stay
- Consequences of an EIC-related error
- How much is my 2023 standard deduction?
- How do you file a state tax extension?
- Tips for effective credit card use
- What to look for in marketing software
- How much is auto insurance based on your driving record?
- Disney reservations availability recapped
- Resources for researching and comparing salaries
- 9. Maximize trade-in value, if applicable
- Compare top-rated life insurance companies
- Final thoughts on the different United economy fare classes
- It’s not necessarily cheaper than a hotel
- Choose the best IHG credit card offer for you
- Earn points faster with a credit card
- 6. Tweak your W-4
- If you want to get Hyatt credit card night credits
- 3 things to know about Georgia state tax
- How to earn other travel rewards through your Avis car rental
- What homeowners insurance won't cover
- What is credit card consolidation?
- Can you cruise without a passport?
- The cheapest home insurance in Washington
- The bottom line
- Is the Amtrak BidUp tool worth it?
- Does the president control gas prices?
- Consumer experience
- Next steps
- Starting a landscaping business: The economics
- How to start a vape shop online
- ETF creation and redemption
- If you want to cruise to the Bahamas
- What is the normal fee for a financial advisor?
- 10. Sibling discount removed
- Are there drawbacks to investing in the S&P 500?
- Econo Lodge
- What’s happening with Silvergate Capital Corp.?
- How can I check and monitor my credit?
- Fees for in-flight refreshments
- Additional benefits for premium Chase checking accounts
- Alternatives to the best AD&D insurance
- How to shop for Medicare Advantage plans
- Earn an audience, and earn more in the long run
- Best for those who pack expensive equipment: Travel Insured International
- If you're ready to start a budget
- Frequently asked questions about estimated tax payments
- Pros and cons of cryptocurrency
- More resources on investing
- Which states have federal tax deadline extensions?
- A great World Business Class flight with KLM
- Is consolidating credit card debt a good idea?
- Cheapest for 30-year-old drivers
- 10. Make the purchase
- Lenders that offer small loans and fast funding
- The bottom line on how to prepare for a stock market crash
- Average cost of homeowners insurance in Florida by city
- What happened to Credit Suisse?
- LLC tax tips for business owners
- Can I still get a past year's earned income tax credit?
- How to make a personal property claim
- 7. SoLo Funds: Best for peer-to-peer cash advances
- If you’re considering joining the Discount Den
- What to know about Washington homeowners insurance
- Find the best life insurance policy for you
- Which type of bond is right for you?
- Clearing immigration
- W-4 calculator
- Travel protections
- Rodeway Inn
- 7. Zip
- How does the Israel-Hamas war affect gas prices?
- In-cabin pet fee
- 2023 vs. 2024 standard deduction
- The bottom line
- How much do ETFs cost?
- Related articles
- If you want to fly Southwest to the Caribbean
- 7. Tax strategies to shelter income or cut your tax bill
- 4. Money market funds
- Is a Chase checking account the right choice?
- California state tax credits
- More about top-rated life insurance companies
- Other ways to make money
- Why is homeowners insurance so expensive in Florida?
- Apparel and shoes
- Types of FHA loans
- Figo vs. competitors
- PocketGuard, for a simplified budgeting snapshot
- Boiling it all down
- Investing
- Priority boarding and security access
- When to claim the standard deduction
- Modified adjusted gross income: The bottom line
- Understanding life insurance quotes
- Next Steps:
- Customer loyalty discounts
- What else to know about Form W-4
- Are other banks are in trouble?
- Should you choose hotel and airline rewards over Avis Preferred Points?
- ETFs vs. mutual funds vs. stocks
- 3 best cold wallets
- What if you're not eligible?
- 8. Klover: Best for no-fee advances
- The bottom line
- Summer has its pros and cons
- Unaccompanied minor fees
- Should I take my money out of the bank?
- Cryptocurrency legal and tax issues
- 5. Mutual funds
- Best for adventurous travelers: World Nomads
- Compare buy now, pay later apps
- OK, what's next?
- What to know about Florida homeowners insurance
- The bottom line
- Best stocks for beginners
- What are tax deductions?
- Boondocking can save you money, but it requires more work
- Should you use a buy now, pay later app?
- Bundle packages
- Chase Sapphire Reserve vs. AmEx Platinum: Minor features to consider
- What are the Roth IRA rules?
- Are we in a recession?
- What's next?
- Mortgages
- Your decision: Is cryptocurrency a good investment?
- 6. Index funds
- Pros and cons of loan apps
- Does homeowners insurance cover ... ?
- Honeydue, for budgeting with a partner
- FHA loan limits
- Washington insurance department
- Prepare the right kinds of food
- Policy-related discounts
- The bottom line on investing in stocks
- Do I need additional travel insurance?
- Closing costs for the seller
- Are we headed for a depression?
- How to track your California state refund
- Looking for more insurance in Washington?
- Best for medical coverage: Travelex Insurance Services
- Types of homeowners insurance policies
- What are tax write-offs?
- How to find the right ETFs for your portfolio
- How to apply for an FHA loan
- Pack an extension cord
- How we review pet insurance
- California state sales tax
- How to make money from home
- Alternatives to buy now, pay later
- Beauty and personal care
- Budgeting resources from NerdWallet
- Be aware of the Wi-Fi situation
- Fees across U.S. airlines
- Who might prefer AmEx Platinum over Chase Sapphire Reserve
- 7. Exchange-traded funds
- Pros and cons of FHA loans
- Cards with travel insurance, recapped
- Financing options to purchase low-cost franchises
- Are cash advance apps payday lenders?
- How do you claim tax deductions?
- How much is auto insurance for good and poor credit?
- How to invest in ETFs
- Cheapest car insurance by state
- 5 things to know about California state tax
- Florida department of insurance
- The bottom line
- What company has the most car insurance discounts?
- Personal loans
- Looking for more insurance in Florida?
- Are apps like DailyPay and Payactiv cash advance apps?
- Methodology to identify the best budget apps
- 8. Stocks
- Best if you have travel credit card coverage: Seven Corners
- Cheapest for 40-year-old drivers
- Pros and cons of starting a vending machine business
- The bottom line
- How to maximize discounts and savings
- Ways to get the best FHA mortgage rates
- Alternatives to cash advance apps
- How to get cheap car insurance
- How homeowners insurance works
- Student loans
- How much is auto insurance based on age?
- Risks of getting cheap auto insurance
- Do ETFs pay dividends?
- How to make money offline
- Best for long-term travelers: IMG
- Can you sell an ETF at any time?
- 9. Alternative investments
- Related articles
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- Entertainment
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- 10. Cryptocurrency
- Travel rewards
- The bottom line
- Get your free birthday stuff and deals
- Best for travelers with unpredictable work demands: Tin Leg
- 11. Real estate
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- Cheapest for 50-year-old drivers
- What else affects my car insurance cost?
- Best for group travel insurance: HTH Insurance
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- What does travel insurance cover?
- What’s not covered?
- How much does it cost?
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- Do I need travel insurance?
- How to choose the best travel insurance policy
- What are the top travel destinations in 2024?
- More resources for travel insurance shoppers
- Methodology
- Learn more about personal finance
- How to get cheap car insurance in Florida
- Minimum car insurance requirements in Florida
- No-fault insurance in Florida
- Why you can trust NerdWallet
Frugal food tips
Cooking, and even growing, your own food can help you stretch your budget. And simple tricks like splitting entrees or hitting happy-hour specials can help you dine out on a dime.
Plan your meals in advance. Last-minute eating decisions often lead to more expensive "I'm hungry now" splurges.
Opt for less expensive cuts of meat. Make economical substitutions and search online for "meatless recipes" or "ways to use less meat."
Buy store brands and generic labels. Generics can be comparable in quality to brand names and cost much less.
Compare unit prices, such as the price per ounce or pound. These are often shown on the price labels on grocery store shelves, or you can use a mobile app to calculate. Then you can determine the true savings and not fall for a "discount" pricing tactic that might be misleading.
Eat out less. Trim home meal deliveries, too. For inspiration, check last month's spending on restaurants and food delivery services. They can add up quickly.
Keep an eye on your pantry and use up stockpiled supplies before they expire.
Buy a water filter or filtered pitcher rather than bottled water. That means fewer plastic bottles in the environment and more money in your savings account.
Grow your own herbs and vegetables. It gets you outside and active, and is as close as "farm to table" as it gets.
Frugal shopping tips
Coupons, deals and freebies are your friends. You can use them to save money on things you were going to buy anyway — a tenet of frugal living. But use them mindfully, rather than as an excuse to spend on something you don’t actually need.
Stick to a list and take other steps to avoid impulse buying. Spur-of-the-moment purchases can be expensive and are often regretted later.
Hit up thrift and consignment stores. It's often surprising the quality — and the name brands — you'll find on sale for pennies on the dollar.
Browse in-person and online garage and rummage sales.
Join a local clothing swap or monitor buy-sell-trade groups in your area on social media.
Download a free coupon app. The days of clipping paper discounts are long gone. Now your phone will use your location to identify deals near you.
Similarly, use a browser extension to find deals when shopping online.
Stock up on nonperishable items when they're on sale — or snag bulk discounts at a wholesale club.
Consider a once-a-month no-spend weekend. Hunting down free-entry festivals and not-far-from-your-neighborhood events is half the fun.
Take the Amazon app as well as any other shopping apps you use often off your phone. Eliminating browse-and-buy habits that you might slip into during your spare time will encourage more intentional spending.
Know the best month to buy what you're looking for. Favorable product pricing really can follow seasonal trends.
Buy clothes at the end of — or out of — the season.
Find more shopping and couponing tips.
Frugal entertainment tips
Free, fun things to do are all around. Date night? See a free concert or pack a picnic and head to the park. Family outing? Go for a bike ride, volunteer together or check out a museum that offers free admission.
Take advantage of free days at museums and national parks. Some state parks also feature times when visitor fees are waived.
Have a family game night. Some libraries offer board games and video games you can check out, so you can try something new without buying it outright.
Check out books, movies, magazines and DVDs from your local library.
Consider creating a parents-night-out swap with trusted friends, where you take turns babysitting each other's kids.
Use credit card rewards to score free flights, car rentals and hotel stays.
Frugal DIY project tips
You typically have two options when you need a product: buy it or make it yourself. Although heading to the store (or a shopping app) is convenient, DIY is often cheaper. But that does require another type of investment — time.
A little craftiness can also make the items you own last longer. Free online tutorials and community classes can teach you to mend everything from clothing to small appliances.
Create your own beauty products, like deodorant, face masks and dry shampoo. You can find many recipes online that use simple pantry staples, such as honey and raw sugar for a lip scrub or baking soda and cornstarch for dry shampoo.
Look for a local tool "lending library" or a place to rent tools and equipment, rather than buying something you need only rarely.
Make household cleaning products, such as stain remover, window cleaner and laundry detergent, at home. Use your judgment, though, and follow common rules like never mixing bleach with other cleaners such as ammonia.
Pull out a needle and thread to repair and tailor your clothing.
Barter services with neighbors and friends. For example, you mow their lawn and they fix your plumbing.
Frugal home expenses tips
Before you call the handyman, consult YouTube. There, you can learn how to do tasks as varied as fixing a leaky faucet or remodeling your bathroom. Getting frugal at home can also mean examining your monthly bills for ways to save on electricity, water, cable and even your cell phone.
The more you save on those expenses, the more you can spend on (or save for) what's important to you.
Save on your cell phone bill by asking your carrier for a better deal on a regular basis. Then shop the competition before recommitting to be sure your new renegotiated package is still your best choice.
Review the streaming services you pay for to see if you could cut some or choose more economical plans. Look for any discounts you may qualify for, such as a student rate, AAA or senior discount, etc.
Get free TV with a digital antenna.
Adjust your thermostat and layer up or dress down.
Wash your own car.
Use gas apps to save on fuel.
Try economical updates to your house, such as refreshing your cabinets with new paint and hardware, rather than committing to costly remodeling.
Avoid lifestyle creep. That's when your income gradually increases — but so does your spending. If you get a raise, divert it to savings with direct deposit or a scheduled automatic transfer. Think about using windfalls like a tax refund for savings or debt paydown.
Discover more ways to save on home expenses.
If you want to start getting a handle on your spending, NerdWallet has compiled the best expense tracking apps based on ratings and popularity among users.
If your situation is even more serious, use our "how to get help paying bills" tool, for go-to resources in various categories. Choose the type of bill you're struggling to pay and find available options for immediate assistance.
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