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Frugal Living Comprehensive Guide: 37 Ways to Find Serious Savings

Senior Writer | Small business, personal finance

Senior Writer | Personal finance, financial planning, investing

Lead Assigning Editor | Personal finance, credit scoring, debt and money management

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.
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- What is a budget?
- Novo Business Checking
- Gusto Payroll
- What is a REIT?
- Bluevine Business Checking
- Fund definition
- Fidelity is best for:
- Vanguard is best for:
- High-dividend ETFs may generate income
- Key takeaways
- Definitions: Money Transfer Rates
- » This card is no longer available
- What are futures?
- High-interest savings accounts defined
- Can you pay the mortgage with a credit card?
- Best Lenders for Low- and No-Down-Payment Mortgages:
- Find the right Medicare Part D prescription drug plan
- What is IRMAA?
- Compare Medicare Part D Pans
- What is ESG?
- Nerdy takeaways about where to exchange currency
- When is the best time to pay your credit card bill?
- What is a Roth IRA account?
- What is a W4?
- Current promotional CD rates
- See CD rates by term and type
- » This offer has expired
- » This page is out of date
- What are I bonds?
- Shopping for Medicare plans? We have you covered.
- Basic economy across U.S. airlines
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- What is a financial plan?
- Mortgage rates today: Wednesday, November 29, 2023
- Shopify Ecommerce
- What is modified adjusted gross income (MAGI)?
- Compare types of bank accounts
- What is a cashier's check?
- Net worth defined
- What is a Treasury bill?
- What is mortgage pre-qualification?
- About Highmark
- Compare Medicare Advantage providers
- Find the right Medicare Advantage plan
- What is a jumbo loan?
- Medicare Part D companies
- The parts of Medicare
- What is a commercial loan?
- What is a budget planner?
- Still deciding on the right carrier? Compare Medigap plans
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- What is an index fund?
- What are dividend stocks?
- What is a utility bill?
- Example Flying Blue Promo Rewards
- What is the gift tax?
- What to expect flying first class with Air France
- How to make money as a kid
- What is a money market account?
- 1. You're in default
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- Freelancing
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- Robo-advisor definition
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- Estate planning checklist
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- What is value-added tax (VAT)?
- What are fractional shares?
- 1. Your information
- 1. Determine how much to save for a down payment
- Determining how much mortgage I can afford
- What is the Fed funds rate?
- Institutions with low or no overdraft fees
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- Strategy No. 1: Compare lenders' 'Loan Estimate' forms
- About Carnival cruises
- January
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- Spotify Free
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- How to budget money
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- 1. Ibotta
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- 2. Check number
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- 2. Review your credit
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- How to sell your own home
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- May
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- 6. Interest is completely avoidable, too
- Next, balance more savings and remaining debt
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- Contract periods
- 4. Don’t expect comprehensive, unbiased advice from an insurance agent or a friend
- The bottom line
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- Key points to keep in mind
- What pet insurance pays for
- 7. Use price matching
- Average cost of whole life insurance by age
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- Strategy No. 5: Ask the seller to contribute
- Why doesn’t my report show a credit score?
- 7. Retail benefits
- How much life insurance should I buy?
- 11. Look for a payday alternative loan
- 3. Run the numbers
- Watch out for scams
- 5. You can use it instantly after approval
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- Do the math on high-yield savings
- 9. Browse store aisles
- 7. Buy in bulk
- 9. Medical expenses deduction
- What you can do to avoid credit card late fees
- 2. Certificates of deposit
- W4 form 2023: How to find it
- How to sign up for Instacart
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- How do I qualify for mortgage forbearance?
- How can you make more money with DoorDash?
- Alternatives to savings accounts
- What is the VA loan limit?
- When to get a CD
- Frugal home expenses tips
- Make more money
- Minimum monthly payments for IRS installment plans
- Cash App
- Nationwide home insurance rates
- How to calculate quarterly estimated taxes
- When Rippling might be a better fit
- Other Roth IRA rules
- Next steps
- Step 3: Compare health plan networks
- Where to find financing for small businesses
- The risks of futures trading: margin and leverage
- Benefits of a larger down payment
- 3. Derogatory mark: Repossession
- How to get a preapproved car loan
- Can I get my Social Security tax back if I’ve overpaid it?
- Consider income-driven repayment instead
- Why some cars cost more to insure
- Other tips for managing your bill
- Jewelry warranties and service plans
- 5. You have a recent DUI
- Refinancing with an FHA 203(k) loan
- Consider the costs of cashing out your 401(k)
- 5. You'll qualify for Gold status, which comes with some perks
- 6. The cost may be less than you expect
- Customer support
- Cheapest car insurance companies after a speeding ticket in California
- Kite Realty Group Trust (KRG)
- If you haven’t received your passport
- 4. Seek help through debt relief
- Additional standard deduction
- Could we be in an AI bubble?
- 8. Trade in your electronics
- How to redeem Dollar Express Rewards
- 5. Go big with luxury travel
- How to increase your pre-qualification amount
- Tips for buying life insurance with a pre-existing condition
- Are there additional costs for high-income earners?
- Alternatives to paying traditional real estate commissions
- Who counts as a qualified care provider?
- Minimum wage increases
- No-closing-cost mortgages
- Strategy No. 6: Consider a 'no-closing costs' mortgage
- The 50/30/20 budget calculator
- What are the best index funds?
- When to expect your child tax credit refund
- Manage your 401(k)
- How did we determine the value of United miles?
- The bottom line
- Next Steps:
- When debt consolidation isn't worth it
- What happens after a workers’ comp claim
- Am I a resident for New York state income tax purposes?
- 6. PayPal Honey
- 10. Deduction for state and local taxes
- Your car loan can help you build better credit
- 6. Inspect and test-drive the car, if applicable
- Bank of America® Customized Cash Rewards credit card
- 5. The card offers a first-year gas bonus (and the potential to extend it)
- Your spouse’s federal student debt
- What are online planning services?
- 7. You can — and should! — pay more than the minimum
- Rate lock-in may begin to ease
- Medicare resources in Massachusetts
- Final thoughts on flying economy class on Iberia
- If you want to get a free upgrade
- Similar to savings accounts
- Cashier’s check vs. certified check vs. money order
- Amenities
- What are the fees for an IRS payment plan?
- The cheapest Florida condo insurance companies
- 4. Klarna
- Bank of America® Premium Rewards® credit card
- 2024 tax brackets and federal income tax rates
- Find the best HELOC lender for you
- What’s included on a Carnival cruise?
- June
- If you're considering booking Delta Air Lines premium economy
- Best-performing REIT stocks: November 2023
- 6. High-yield checking accounts
- Is APY variable?
- 8. Travel-related benefits
- 2023 state income tax rates and brackets
- 12. Get a personal loan
- PayPal
- 2023 capital gains tax calculator
- How the lifetime gift tax exclusion works
- Limited partnership
- The bottom line
- 10. Check your receipts
- Stock market crash vs. correction
- Who should avoid United Airlines?
- 2023 Free File participating software providers
- 5. Pell Grant award expands
- Consumer complaints
- Start taking Instacart jobs
- Best Android personal expense tracker apps
- What is naked short selling, and why is it illegal?
- Calculating capital gains tax on a home sale
- Which American Airlines flights can be changed online
- Use miles to book hotels
- Take action before missed payments hurt you
- Shopify vs. Etsy: Pricing
- Customer experience
- Joint venture alternatives
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- How to open a CD
- Dividend tax rate 2024
- Cheap car insurance after an accident by state
- Ready to save?
- Next Steps:
- Things to watch out for
- What is the median household income in the U.S.?
- Strategy No. 7: Sign loan papers near the end of the month
- State tax department phone numbers
- 4. Use budgeting or expense-tracking apps
- Contributing too much to a Roth
- Using life insurance to pay off credit card debt
- Consumer complaints
- EveryDollar, for simple zero-based budgeting
- 8. Start small
- Can I stop medical bills from affecting my credit?
- Consider alternatives
- Do I still have to pay the IRMAA if I choose Medicare Advantage?
- Emirates Economy vs Emirates Premium Economy: which is a better value?
- ESG investing examples
- What stocks should I buy right now?
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- Which rate is better for student loan refinancing?
- 4 things to know about Massachusetts state tax
- You must ensure your car can actually tow your RV trailer
- What apps let you buy now, pay later?
- Medicare Supplement Insurance Providers
- Claiming tax-deductible donations on your tax return
- How to freeze your child’s credit
- Don’t be afraid of debt relief
- Getting the most from your pre-qualification limit
- Loan limits
- Compare alternatives
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- Cost of life insurance without a medical exam
- How to make your ticket a better value
- How to buy health care stocks
- 4. Dave: Best for repayment flexibility
- 6. Ignoring VA, USDA and FHA loan programs
- Are credit scores from all major bureaus the same?
- Exercise your stock options
- Cheapest car insurance after an accident: State Farm
- TRAVEL CREDIT CARDS
- How much should you put down on a house?
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- 11. Mortgage interest deduction
- Boosting your chances of approval
- Consumer experience
- 3. Bonds
- How to adjust your Form W-4
- You don’t need to have $10,000 to take advantage of compound interest
- Where Allstate stands out
- Days in the cycle
- 8. Paying late comes at a high cost
- Best for loyal customers: Nationwide
- 7. Your travel card may already include travel insurance benefits
- Refinancing a VA home loan
- CD vs. savings account
- Charging stations
- 7. AmEx offers Centurion cardmembers exclusive perks
- Discounts
- Is condo insurance required in Florida?
- What is the gender pay gap?
- Using points for park tickets
- Strategy No. 8: Ask your bank about discounts and rebates
- Why do pet insurance companies have waiting periods?
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- 13. Rent out a room
- Consumer experience
- 5. Find the right lender
- 11. Use social media
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- 4. Derogatory mark: Collections
- Best for low-cost plan availability: Humana
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- 7. Dosh
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- 7. Determine which warranties are right for you
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- How do Instacart shoppers get paid?
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- How to make a Capital One travel insurance claim
- How to track your passport status, recapped
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- 6. Redeem redeem redeem
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- How to handle waiting periods
- July
- 5. Explore other expense trackers
- Are these the best dividend stocks?
- Take a beat before you start job hunting — then dive in
- Prepaid cell phone plans with limited data
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- How to use United TravelBank
- 6. Fewer questions
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- The bottom line
- Where to find the best savings accounts
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- What online brokers offer fractional shares?
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- How much does homeowners insurance cost in Delaware?
- What to do if you’ve been denied life insurance
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- 7. Not knowing whether to pay discount points
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- What's next?
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- How to choose a lender
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- The bottom line
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- I want a CD, but what if CD rates increase?
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- The bottom line on short selling
- 9. Getting too close to your limit can sink your credit score
- Roadside dispatch
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- Is solar panel installation right for your home?
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- Should you invest in AI stocks?
- Housing assistance for college students
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- Available Highmark Medicare Advantage plans
- 8. Yes, you can buy a mansion or a private jet on a Centurion Card
- 5. PayPal
- How to claim the child and dependent tax credit
- How to estimate taxes for an income tax extension
- Should you sell your own home?
- Step 4: Compare out-of-pocket costs
- 10. Credits for popular spending
- 14. Moonlight as a dog sitter
- Venmo
- 4. Keep these things in mind
- Term vs. whole life insurance tool
- If you’re considering transferring Chase Ultimate Rewards® points to United or Air Canada
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- The best place to exchange currency at the end of your trip
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- Request a free stopover
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- 5. Lower your living expenses
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- 5. MoneyLion: Best for existing customers
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- Do you pay taxes when you receive a gift?
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- 7. You can list more colleges
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- Allstate vs. other insurers
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- Urban Edge Properties (UE)
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- Types of CD strategies
- Citi Custom Cash® Card
- 6. Identify room for change
- How much money can you make on YouTube?
- REITs' average return
- 15. Become a rideshare or delivery driver
- Cheapest car insurance after a DUI: State Farm
- C corporation
- 5. Student loan delinquency or default
- 8. Negotiate the best price
- Costs to maintain your trademark
- Upgrade Triple Cash Rewards Visa®
- 10. Dealing with credit card fraud isn’t as difficult as it sounds
- Overpacking is easy — but it’ll ruin your trip
- The bottom line
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- 9. You can get many of the Centurion Card's perks from The Platinum Card® from American Express
- Consumer experience
- Average cost of life insurance by term length
- August
- Your readiness to buy a home
- Protections: Peace-of-mind benefits
- 8. Emptying your savings
- 11. Access to AmEx Offers
- How much life insurance do you need to cover your debt?
- Capital gains tax rules and considerations
- What can trigger a gift tax return?
- Credit cards that earn Chase Ultimate Rewards®
- Where State Farm stands out
- Are FHA 203(k) loans a good idea?
- Cards with primary coverage
- Keep an eye on your credit score
- Is Global Entry worth it?
- Best for accident forgiveness: Progressive
- Best life insurance company for consumer experience: Northwestern Mutual
- Other ways to use your Alaska Airlines miles
- How many times can you use a VA home loan?
- Why a financial advisor's fee structure matters
- Cons of a credit freeze
- Average cost of homeowners insurance in Delaware by city
- Can I apply for an IRS payment plan myself?
- More about buying life insurance with a health condition
- How to pay quarterly taxes or make estimated tax payments
- Child tax credit vs. child and dependent care credit
- What if I see a mistake on my report?
- Pros of investing in REIT stocks
- 16. Cut your insurance premiums
- Where Farmers falls short
- Empower Personal Dashboard, for tracking wealth and spending
- How to open a high-interest savings account
- Best of the Blues: Highmark
- 15. Saver’s credit
- How do I pay the Medicare IRMAA surcharge?
- Buying rental car insurance on your own
- How to maximize value in Emirates economy class
- 8. Sibling discount removed
- How to avoid capital gains tax on real estate
- What is my 2023 standard deduction?
- What are milestone awards?
- How to find cheap car insurance after an accident
- The cost of veterinary care
- Discounted broadband access
- Available Highmark Part D prescription drug plans
- What about the Part D late-enrollment penalty?
- Bottom line: Is it worth claiming the child and dependent care tax credit?
- Compare the income-driven plans
- Is United TravelBank worth it?
- ESG investing: How to get started
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- Ways kid creators can earn online
- 16. Health savings account contributions deduction
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- Who is most likely to rent?
- Compare car insurance rates by age
- Are I bonds low risk?
- VA refinance fees
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- What are CD rates right now?
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- 6. SoLo Funds: Best for peer-to-peer cash advances
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- 9. IRS imports tax information
- 9. Maximize trade-in value, if applicable
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- September
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- History of the child tax credit
- What else do credit bureaus do?
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- 13. Concierge Service
- 17. Consolidate your debt
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