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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
- QuickBooks Online resources
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- What is a bond?
- Life insurance buying guide
- What is passive investing?
- What is a self-directed IRA?
- What are undervalued stocks?
- What is a jumbo loan?
- What is the earned income tax credit?
- What is a charitable donation?
- Still deciding on the right carrier? Compare Medigap plans
- What is invoice factoring?
- Find the right business loan
- See CD rates by term and type
- Dividend definition
- Can you pay the mortgage with a credit card?
- 6 steps to opening a Roth IRA
- What is personal finance?
- June mortgage rates forecast
- What is a commercial loan?
- What is a debit card?
- What is a budget?
- What is a wire transfer?
- How to build wealth in 5 steps
- What is an FHA loan?
- What is a brokerage account?
- What is the Section 179 deduction?
- Compare Medicare Advantage providers
- Find the right Medicare Advantage plan
- » This page is out of date
- Dollar-cost averaging definition
- What is a budget planner?
- Quick tips for where to exchange currency
- Synchrony Bank CD rates 2024
- Keep credit cards open and active
- Consider requesting a credit limit increase
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- Stocks
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- What is homeowners insurance?
- Fee-only vs. fee-based
- How much should you tip your hairdresser?
- Best-performing gold ETFs
- What are dividend stocks?
- How much does a Disney+ subscription cost per month?
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- Capital One Entertainment: The basics
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- What is an emergency fund?
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- How does an adjustable-rate mortgage work?
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- 3. Move your automatic payments to a different card
- Where do I put my emergency fund?
- How to downgrade your American Express card
- What Medigap Plan F covers
- Best car insurance in New York for your budget: Progressive
- 3. The IRS has the paperwork you’ll need
- Good balance transfer cards
- Be strategic about clothing purchases
- What's the difference between regular debit cards and prepaid debit cards?
- When debt consolidation is a smart move
- Small-business credit cards
- How do you start a budget?
- 3. ShopSavvy
- Leverage your education
- Priority boarding
- How to defer loans while in grad school
- Do I have to pay Georgia state income tax?
- 3. Determine other ownership costs
- 401(k)s and other employer-sponsored retirement plans
- A balloon mortgage might be hard to find
- Can you refinance federal student loans?
- How far in advance should I get preapproved for a mortgage?
- What does home insurance cover?
- What do you tip if you’re unhappy with the result?
- How to calculate your net worth
- 4 more ways to estimate how much life insurance you need
- 2. Empower: Best for fast cash
- Best car insurance companies: Our winners
- Missouri home buyer assistance programs
- Popular earned wage access companies
- 5. Not checking the estimated delivery time
- How to find undervalued stocks
- 4. Parks and beaches
- For credit and savings
- Pros and cons of a high-deductible health plan
- How to reach Aidvantage customer service
- Does Hulu allow password sharing?
- How to find down payment assistance programs
- Frugal entertainment tips
- What to consider if you’re transferring loan debt
- Avoid credit bureaus' products
- It is OK to be nosy
- How to apply for an employer identification number
- Is a business line of credit right for me?
- Average daily balance
- Removing mortgage insurance
- Compare identity theft protection services
- Standard deduction
- How to get scheduled personal property coverage
- 2. Consider debt consolidation
- What happened in May
- 6. Volunteer
- 5 ways to make money on Instagram
- 2. Decide how much to invest
- Singapore to Tokyo Trip Details
- Best homeowners insurance in California for coverage: Chubb
- How many jobs were added in March?
- If you have federal student loans
- Improve your net worth with more savings, less debt
- Compare CD Rates: Synchrony vs. Marcus vs. Ally
- What is a hardship loan?
- Should you pay the outstanding balance?
- How to invest in dividend ETFs
- Is an ARM or a fixed-rate mortgage better?
- Aim for the most valuable uses of your Venture miles
- 4. Neither card offers perks
- What is Apple Pay?
- 12 credit unions that use Zelle
- Do personal credit scores affect business credit scores?
- 3. What makes mortgage brokers different from loan officers?
- 6. Ask for forbearance on bills
- Benefits for veterans
- Is deferring student loans a bad idea?
- Progressive renters insurance coverage
- Chubb home insurance coverage
- Consider full coverage
- Trading in a car with negative equity
- Unlock offers you want
- Am I a resident for Colorado income tax purposes?
- Protective life insurance rates
- You can effectively double your grace period
- Apply extra student loan payments toward the principal
- What families can do
- What is the CFPB?
- QuickBooks Facebook groups
- Best car insurance companies: Our winners
- Joint cardholders
- 3. Max out retirement (and avoid the IRS, while you're at it)
- Are student loan payments deductible?
- Money Vigilance
- Airline and hotel partners
- How to earn Hyatt points quickly
- Does age affect your credit score?
- Texas liability insurance requirements
- Different booking timelines
- Try a simple budgeting plan
- Price vs. yield
- How to prepare for your IRS appointment
- How to keep your Hyatt points from expiring
- Invoice factoring example
- How are dividends paid out?
- 3. Have a notarized letter for solo-parent travel
- 4. Scout out yard sales
- Dividend kings vs. aristocrats
- Where to get a commercial loan
- How to meet your monthly savings goal
- How to convert a factor rate
- 1. Derogatory mark: Missed payments
- How does life insurance work?
- 2. Bing
- What about domestic airfares?
- Is LifeLock worth the price?
- CD rates: 1980s to 2000s
- Cheap financial advice
- 3. Spending money on courses you don’t take
- How a savings account works: withdrawal limits
- FHA loan requirements
- Pay off debt
- Other payroll tax items you may hear about
- 2024 Section 179 deduction limit
- Rate and term vs. cash-out refinancing
- Other tips for spending your travel credit
- Employer identification number (EIN)
- What is the difference between an accountant and a CPA?
- Delta Air Lines
- Comparing stocks and bonds
- Mishandled luggage
- Advantages of assumable loans for sellers
- Are bonuses taxed differently?
- 3. Lacks perks that are standard on other credit cards
- Travel and entertainment perks
- Standard deduction 2023
- How to get the offer
- Can Disney+ fit my budget?
- What are the benefits of early direct deposit?
- When is Genie+ worth it?
- The Federal Trade Commission’s budget worksheet
- Risks of self-directed IRAs
- How to apply for a PLUS loan
- How to unfreeze your credit
- How does Hulu fit into your budget?
- How mortgage rates can vary by credit score
- The bottom line: Knowledge equals power
- How to calculate your liquid net worth
- Where to exchange currency outside the U.S.
- Best in Texas for having few consumer complaints: Chubb
- How much does it cost to buy Vanguard index fund shares?
- Reuse, recycle
- Startup business grants from private companies and nonprofits
- Venmo
- What can I use a home equity loan for?
- How to get started investing in private equity
- 7. Visit the farmers market
- Additional costs of trademarking a business name
- How student loan interest rates work
- Financial aid budgets are limited
- How do you make a Capital One Premier Collection reservation?
- The American Airlines Flagship business class experience
- 3. Prime members earn lucrative rewards
- Sole proprietorship taxes: Special deductions
- FDIC insurance: What’s covered
- 4. Work on your credit
- 7. Request a payroll advance
- Serve American Express Prepaid Debit Account
- Steps to fill out the FAFSA for U.S. citizens with undocumented parents
- How do I open a savings account for a baby or child?
- When can you say yes?
- QuickBooks community forum sites
- Why is net worth important?
- A return to normalcy after COVID-19
- 1. High-yield savings accounts
- 3. Don’t ask for too much cash
- When voluntary repossession makes sense
- Do you need a family cell phone plan?
- CASH BACK CREDIT CARDS
- 5. In the street
- 4. Pay the card in full
- When are state taxes due in 2024?
- How to apply for mortgage down payment assistance
- Pro tip: Make the most of your money
- Best life insurance company overall: MassMutual
- New York state supplemental income tax
- Earned income tax credit 2024
- Other Frontier fees
- What if I don’t have access to a pension plan or a 401(k)?
- Know when the HELOC draw period ends
- Elite status perks
- Average car insurance rates after a speeding ticket in Virginia
- 5. Contact your insurance provider
- 4. Peer-to-peer lending
- Here are some typical debit card fees
- More details about Synchrony CDs
- How to get a hardship loan
- What’s next?
- 3 situations when CDs work best
- How to qualify for a hardship program
- Consider your budget
- Vacation rental cleaning fees
- Should your small business accept Apple Pay? Pros and cons
- Eye-popping interest rates
- 4. Is a mortgage broker right for me?
- Exceptions to state minimum car insurance requirements
- Why do I have to pay FICA tax?
- Top credit cards that offer preapproval without a hard pull
- Student loan debt by race and gender
- What does SCAN Health Plan Medicare Advantage cost?
- Why a cash offer may be better than a financed offer
- How to save without cutting coverage
- 3. Break it down
- 4. Find the right car for you
- Further maximize savings on trusted traveler programs
- More advanced stock chart terms
- How to get a home equity loan
- For the pet parent: Petco Pay credit card
- Money Status
- National second chance banking
- What exclusive events are offered?
- Understanding brokerage transfer fees
- 3. Pay off your balance
- Best car insurance in Florida for having few customer complaints: Auto-Owners
- Globe Life customer complaints and satisfaction
- How do I build an emergency fund?
- How are dividends taxed?
- What Medigap Plan F doesn't cover
- Adjustable-rate mortgage cons
- Kirkland’s
- 4. Download apps and shows, charge devices
- 8. Go thrift shopping
- What is the current unemployment rate?
- Is it safe to transfer money by wire?
- Save for big goals
- Best for fair or limited credit
- Should you pay student loans during graduate school?
- ‘Hummer tax deduction’: Which vehicles does Section 179 cover?
- Saver’s credit rates for 2023
- What to do if your appeal is unsuccessful
- The bottom line
- Contact Nelnet customer service if you have questions about your Great Lakes loans
- Remember your CD’s maturity date
- Protective customer complaints and satisfaction
- It’s not only about taxes
- Other opportunities to pay off student loans faster
- Advantages of assumable loans for buyers
- April
- Additional QuickBooks resources
- Homeowners insurance definitions
- 4. Pre-qualify without a hard pull
- How to choose a biotech ETF
- What's next?
- 4. Handle your taxes now
- E
- How do I avoid foreign transaction fees on my debit card?
- Are there any issues with early direct deposit?
- 2. Buy a private jet
- Earned wage access pros and cons
- Pros and cons of passive investing
- 6. Libraries and museums
- 2. Solo 401(k)
- Frugal DIY project tips
- Know the limits of credit monitoring services
- Taxpayer Advocate Service offices
- VA loan down payment requirements
- If you're worried about Hyatt points expiration
- Pros and cons of invoice factoring
- What if you’re unhappy with your massage?
- 6 types of dividends
- Blanket coverage vs. scheduled personal property
- Popular and new tax credits for 2023 (taxes filed in 2024)
- How to invest in dividend aristocrats
- 4. Use grants if you qualify
- Whole life insurance
- What is your personal money goal?
- Compounding builds net worth momentum
- Breaking free of payday loan debt
- 3. Facebook
- APR vs. APY: What’s the difference?
- Transfer your points and miles
- Scarlet Lady dining
- 4. Target (with Target Circle)
- What is a good business credit score?
- 8. Take a loan from your retirement account
- Benefits for active-duty military
- 4. Pocket your tax refund
- What is my Georgia residency status for state income tax purposes?
- Qualifying surviving spouse
- Is VGLI worth it?
- How can a CPA help with my taxes?
- A word of caution
- If you’re a victim
- Fines and legal actions: Wells Fargo’s recent history
- Standard deduction 2024 (taxes filed 2025)
- Do you tip assistants?
- When should you get tested?
- Factors that affect your conventional loan payment
- Most popular cash back card reviews
- 5. Redeem your rewards
- Is a high-deductible health plan right for you?
- The cons of Star Alliance
- How to reduce your FHA closing costs
- 5 steps to applying for a mortgage
- You'll likely forgo a welcome bonus
- How many banks have collapsed?
- What if you can't get Medigap?
- Understand how HELOC balloon payments work
- Best car insurance in New York for having few customer complaints: The Hanover
- Buy in bulk, then split costs
- What else will change for tax year 2024?
- Home equity loan rates in 2023
- 9. Go for a walk
- 3. Open an investment account
- Here's what to do if your debit card is stolen
- Is it a good idea to consolidate credit cards?
- What are British Airways carry-on bag size dimensions?
- Is unemployment rising or falling?
- What to consider when opening CDs
- 4. You’ll get a small introductory bonus
- 5. There are no other Merrick Bank credit cards to graduate to
- 4. Not considering health care costs
- FDIC insurance: What’s not covered
- Colonial Penn customer complaints and satisfaction
- Deferment vs. income-driven repayment
- How to open a brokerage account
- OpenSky® Secured Visa® Credit Card
- For Medicaid beneficiaries
- Should my child also use a debit card or banking app?
- Flight diversions
- What states are increasing minimum wages in 2024?
- How to increase your net worth
- Airfares are falling, but don't wait to book
- How to invest in dividend stocks
- Additional education tax breaks
- More ways to take charge of your budget
- Top pick for Grubhub
- How Globe Life compares to other insurers
- What is a good credit score for your age?
- 7. Aquariums and zoos
- Understand Parent PLUS loan terms before you borrow
- What’s next?
- Buying bundles: the Works and the Perks
- 3. Work with your creditors
- 6. Reach out to religious groups and nonprofits
- Best homeowners insurance in California for consumer experience: Nationwide
- 2. Derogatory mark: Account charge-off
- PayPal cryptocurrency fees
- Embrace the joy of tipping
- Can you cancel a wire transfer?
- Secured is better and cheaper
- 9. Borrow against life insurance
- Optional coverages
- Discounts
- When is refinancing to a lower rate worth it?
- Why a financed offer may be better than cash
- 5. Pay your IRA first
- What does Epcot have?
- Final steps
- Correct your FAFSA is you used an earlier workaround
- A savvy way to save money
- More about Protective life insurance
- Get more help with monthly budget planning
- When to say no
- How to refinance federal student loans
- 5. Get immediate access to the card
- How to buy biotech ETFs
- Embrace: Best pet insurance for many ways to save
- Additional functionality
- 5. Stay vigilant about fees
- F
- Cons of going paperless
- 3. EarnIn: Best for large advances
- W-4 form 2024
- Keep records from your old account
- How to convert Hyatt points to dollars
- What's next?
- How do bonds work?
- Is United’s basic economy worth it?
- Other cash back card reviews
- Asia in the spotlight
- Why is the 10-year Treasury yield important?
- How to qualify for the earned income credit
- Where to avoid exchanging currency
- When do you have to pay taxes on stocks?
- 4. You can write off Bitcoin losses
- 10. Take a hike
- 5. Online savings accounts
- How to get more aid for college
- How does a debt consolidation loan work?
- How lenders determine your factor rate
- How do down payments work for business loans?
- Other hardship loan options
- Fees
- ARM vs. fixed: Tips for choosing
- How much to keep in your savings account
- 5. Skip comprehensive and collision coverage for an older car
- 5. How do I choose a mortgage broker?
- Where Colonial Penn stands out
- Discounts
- Saver’s credit rates for 2024
- Average Disney World hotel room costs
- 5. Contact the seller or visit a dealership
- How to invest in dividend stocks
- Lifelong lessons
- Disadvantages of assumable loans for sellers
- What if you can’t afford to tip?
- Are home equity loans a good idea?
- For the human parent: The Children’s Place credit card
- How to invest in AI stocks
- 4. Consider a co-signer
- 3. Buy a house. Heck, buy houses for all your friends.
- The challenge: High prices push affordability to the worst it’s been in almost 40 years
- 8. Cafes, restaurants and bars
- For credit building
- What are the other 2024 tax deadlines to know?
- How has the Marriott points value changed over time?
- Other ways to find help at a tax office
- Interest rate
- Medigap Plan F alternatives
- Look for the most flexible HELOC terms
- Benefits of CD ladders
- Types of private equity investments
- 7. Ask friends and family for hand-me-downs
- What if I already have elite status with a loyalty program?
- How to calculate the unemployment rate
- How do I apply for an SBA business acquisition loan?
- More about Synchrony Bank
- Don't get dripped
- 5. CouponCabin
- 10. Use a credit card cash advance
- ID required for benefits
- How do tax refund loans work?
- 7 steps to appeal your financial aid
- Adoption taxpayer identification number (ATIN)
- More on the card-per-offer limit
- How to activate Chase 5% categories
- 5 types of employer-sponsored retirement plans
- May
- How does Capital One Entertainment work?
- How to redeem Hertz Gold Plus Rewards points for max value
- More about Globe Life
- 6. Check the account periodically for trailing refunds
- Pros and cons of jumbo loans
- Mortgages where credit score matters less
- Best life insurance company for applicants with HIV: Guardian
- When are New York state income taxes due?
- VA loan property requirements
- Skip currency exchange: Use a credit or debit card
- Best homeowners insurance in Texas for consumer experience: Nationwide
- Invoice factoring vs. invoice financing
- Earn points while traveling
- Obstacles to paying a mortgage with a credit card
- Should I do a balance transfer?
- Reach out to community organizations
- Credit cards
- 5. Pack smart
- 11. Ride a bike
- Dividend aristocrats ETFs
- 5. Get a work-study job
- Do debt consolidation loans hurt your credit?
- 5. Financing options are available, but proceed with caution
- Key points to keep in mind
- How to check that all money in your accounts is insured
- Where Colonial Penn falls short
- Does Section 179 cover real estate?
- ONE VIP Visa Prepaid Card
- Grace periods at some banks
- LLC payroll taxes
- Other performance metrics
- Search for individual tickets if traveling in a group
- Standard deduction for those 65 or older
- The bottom line
- How can I get more value from my Hyatt points?
- Best car insurance in Florida for ease of use: State Farm
- Earned wage access vs. cash advance apps
- Maintaining good standing for your Texas LLC
- What are fleet cards?
- What plans are best for seniors?
- How much does liability car insurance cost in Texas?
- Frugal home expenses tips
- Understanding the American Express card families
- Is an ARM right for you?
- What’s not covered
- Ways to get the best home equity loan rates
- Cheapest car insurance companies after a speeding ticket in Virginia
- How to increase your British Airways checked baggage allowance
- Net worth: It's a long game
- How compound interest works
- Holding crypto on PayPal
- Average CD rates: 2010-2024
- 5. Not having a clear ‘why’
- 6. Raise your deductible
- 11. Look for a payday alternative loan
- Rate and term refinance guidelines and costs
- Should you accept an all-cash offer?
- How much does VGLI cost?
- JetBlue
- Minimum wage increases
- G
- 2. Certificates of deposit
- Regional and state-based second chance checking accounts
- How to find the 2024 W-4
- Benefits of a larger down payment
- 9. A boat
- What's next?
- Doing the math on HDHPs
- How to freeze your child’s credit
- Other Roth IRA rules
- How did we determine the value of Marriott Bonvoy points?
- Do I have to pay New York state income tax?
- Universal vacation packages
- Are 10-year Treasury notes a good investment?
- Getting your Frontier baggage and other fees waived
- Avoid prepayment penalties
- Best car insurance in New York for ease of use: State Farm
- What if you can’t afford to tip?
- Cash App
- When debt consolidation isn't worth it
- What is the labor force participation rate?
- 3. Derogatory mark: Repossession
- 4. Instagram
- Alternatives to savings accounts
- Scarlet Lady bars, nightlife and shows
- Consumer experience
- Consumer complaints
- Calculating the value of the saver's credit
- 3. Get disability and life insurance
- Married filing jointly
- How to get a commercial construction loan
- IRAs
- Spirit Airlines delayed flight compensation recapped
- 6. Reallocate your portfolio
- Big questions remain
- Eligibility for other VA loans and grants
- What is net investment income tax?
- 4. Seek help through debt relief
- How to give two weeks’ notice
- 12. Sleep in the woods
- 4. Pick an investment strategy
- 6. Work for an employer that pays for college
- The bottom line
- Full list of best homeowners insurance in California
- When to book with Capital One Premier Collection hotels
- Universal life insurance
- How to get a down payment for a business loan
- What happens when a bank fails
- 6. PayPal Honey
- Save money on Allegiant flights as a veteran
- Brokerage accounts are taxable accounts
- Average student loan amounts by debt type
- How to complain about Great Lakes
- Be prepared for your CD’s maturity
- 6. Inspect and test-drive the car, if applicable
- Disadvantages of assumable loans for buyers
- What is the median household income in the U.S.?
- How do I grow my home's equity?
- 5 things to know about Arizona state income tax
- Examples of other Comenity/Bread-issued store cards
- How to find AI ETFs
- How do fleet cards work?
- What else you need to know
- Is it time for you to switch to a better plan?
- 10. Schools and universities
- Why liquid assets are important
- Why did First Republic Bank fail?
- Buy Medicare Supplement Plan F during Medigap open enrollment
- Be mindful of how much you borrow
- Downsides to CD ladders
- Be cautious about debt
- 6. High-yield checking accounts
- 7. Consider usage-based or pay-per-mile insurance
- More about Colonial Penn
- 12. Get a personal loan
- Petal® 2 "Cash Back, No Fees" Visa® Credit Card
- What if you don’t qualify for Section 179?
- Consumer experience
- What is Georgia's standard deduction?
- The rankings of reliable airlines
- How can you take the guesswork out of tipping?
- H
- 4. Varo: Best for existing bank customers
- 5. Use collateral to secure the loan
- 4. Give it away
- How much should you put down on a house?
- Passive investing strategies
- Getting flight delay compensation from Frontier
- How to check your credit score
- Shopping perks and protections
- Claiming tax-deductible donations on your tax return
- Full list of the best home insurance companies in Texas
- 3 tips to control central air conditioning installation costs
- How do you buy Vanguard Index fund shares?
- 5. Failure to report Bitcoin can be costly
- How much can you borrow with a home equity loan?
- 13. Gaze at the stars
- Strategies to combine flexibility and high rates
- How to file your sole proprietorship tax returns
- Selling crypto on PayPal
- Avoid these less valuable redemptions
- Disadvantages of using an iBuyer
- Available Medicare Advantage plans
- Alternatives to construction business loans
- Preparer tax identification number (PTIN)
- June
- Protection and insurance benefits
- The next step
- Is a Comenity/Bread credit card right for you?
- Do I have to update my W-4 every year?
- How did we determine the Hyatt points value?
- TRAVEL CREDIT CARDS
- When undervalued stocks become popular
- 11. Theaters
- How to complain about Aidvantage
- How do you buy 10-year Treasury notes?
- Do you ever need to change your EIN?
- Who counts as a qualifying child for the earned income credit?
- Fees across U.S. airlines
- Days in the cycle
- HELOC alternatives
- Spot coverage options
- Hotel partner elite status matches
- Ex-dividend dates
- Best free kid banking apps
- Is APY variable?
- For the uninsured
- Average Disney World food costs
- Who qualifies for the SAVE plan?
- VGLI rates vs. term life rates
- How to minimize the tax impact of a bonus
- 3. Bonds
- Is joining the Hertz Gold Plus Rewards loyalty program worth it?
- Full list of the best car insurance in Florida
- Top pick for Uber Eats
- When should you freeze your credit?
- Star Alliance’s sheer size remains a huge pro
- How to build your credit score
- Best life insurance company for consumer experience: Northwestern Mutual
- What is New York state's standard deduction?
- Florida resident discount for Universal Orlando Resort
- Amtrak’s Northeast Regional line
- How to pay lower taxes when selling stocks
- Alternative CD ladder structures
- Should you pay your mortgage with a credit card?
- 3 investing myths
- 14. Listen to music
- How to get a commercial loan
- How much does homeowners insurance cost in California?
- 4. Derogatory mark: Collections
- Can you get a business loan with no down payment?
- 13. Rent out a room
- Secure 2.0 changes: Saver's match
- How much does a tax refund loan cost?
- Be courteous when enrolling in AmEx Offers you don’t want
- United Airlines
- LLC self-employment taxes
- How to rebook quickly for a canceled flight
- Tips for calculating how much life insurance you need
- Economy class travel tips
- The picture so far
- Save money on wedding venues near you
- What happens if I drive without liability insurance in Texas?
- 3. SEP IRA
- When will I get my refund?
- The bottom line
- Calculating capital gains tax on a home sale
- Full list of the best car insurance in NY
- First-time home buyer programs near Georgia
- Risks of private equity
- How is the job market right now?
- 5. LinkedIn
- How Adyen and Stripe compare
- Transferring crypto into your PayPal address
- Another approach: buying before you sell
- How to settle a dispute with Great Lakes
- 7. Determine which warranties are right for you
- Standard deduction for dependents
- Best practices for managing e-statements
- Disney’s Genie+ recapped
- Are bonds a good investment?
- The challenge: Multiple offers are common, and first-time buyers have less cash
- Do you pay tax on T-notes?
- How to improve your liquid net worth
- Exchange frequently? Consider a multicurrency account
- Why did Silicon Valley Bank fail?
- How much does homeowners insurance cost in Texas?
- Home equity loan requirements
- 7. Consider shipping items to your destination
- 15. Make some music
- 7. Take out federal loans if you have to
- High-yield CD rates: 2018-2024
- The bottom line
- 8. Check insurance costs when buying a car
- 7. Dosh
- Best for poor credit
- FamZoo Prepaid Card
- What's the tax filing deadline for my Georgia state income tax bill?
- Methodology
- How to adjust your Form W-4
- 6. Find the right lender
- 5. Buy an island. Or make a movie.
- Other considerations to determine your down payment
- Sharing a Prime membership Using Amazon Household
- General-purpose travel card reviews
- Jumbo loans and conforming loan limits
- Can I claim the EITC without a child?
- How to evaluate dividends
- What's next?
- Restrictions and waiting periods
- Average cost of homeowners insurance in California by city
- What does the Job Openings and Labor Turnover Summary report show?
- Variable life insurance
- Where to find the best savings accounts
- Why do I need a business credit score?
- Brokerage accounts vs. IRA
- Other renters insurance companies to consider
- Third-party ratings
- The bottom line
- Colorado tax credits
- How to start dollar-cost averaging
- July
- Term vs. whole life insurance tool
- Interest-based passive income ideas
- Could we be in an AI bubble?
- Why you can trust NerdWallet
- How to settle a dispute with Aidvantage
- Cons of a credit freeze
- Am I a resident for New York state income tax purposes?
- Next Steps
- What if you lose your EIN?
- What's next?
- What are the best Vanguard index funds?
- National first-time home buyer programs
- What to expect on Lufthansa first class
- Is two weeks’ notice required?
- 16. Make something
- 5. Understand your investment options
- 14. Moonlight as a dog sitter
- Upgrade Cash Rewards Visa®
- Other home insurance companies to consider
- Deciding to visit Epcot vs. Hollywood Studios
- Married filing separately
- VGLI rates vs. whole life rates
- LLC sales taxes
- Retirement accounts for small-business owners and self-employed individuals
- Assuming a mortgage after divorce or death
- K
- Are these the best dividend stocks?
- 5. Dave: Best for repayment flexibility
- Cash bonuses on cards with an annual fee
- Find local conforming loan limits
- Charitable contributions 2023
- How to finance central air installation
- Why you can trust NerdWallet
- PayPal
- 5. Lower your living expenses
- 8. Seek out playgrounds inside the airport terminal
- The complete list of dividend aristocrats
- Transferring crypto from your PayPal wallet
- Looking for past years' saver's credit thresholds?
- Pros and cons of tax refund loans
- How to apply for the SAVE plan
- When can't you take the standard deduction?
- The bottom line
- Fleet fuel cards: benefits and drawbacks
- Tax Day resources
- How to claim the earned income tax credit
- The best place to exchange currency at the end of your trip
- Are home equity loans a good idea?
- 17. Learn a new skill
- 5. Student loan delinquency or default
- Take advantage of travel benefits
- How do I get my business credit score?
- 15. Become a rideshare or delivery driver
- 8. Negotiate the best price
- What are the best dividend stocks?
- Investor-friendly
- More about the card
- Ways to get the best jumbo mortgage rates
- Best life insurance company for coverage amounts: New York Life
- Average cost of homeowners insurance in Texas by city
- Spot pet insurance rates
- Costs to maintain your trademark
- The cheapest home insurance in California
- Sending crypto to another PayPal user
- Last-minute flight deals are out there
- L
- Costs of starting an LLC in Texas
- Is Amazon Prime worth it?
- How much money can you make on YouTube?
- Credit freeze or credit lock?
- Will you owe capital gains taxes on your home sale?
- CD ladder alternative for more risky investments
- 9. Head to airport lounges for snacks
- 18. Exercise
- 16. Cut your insurance premiums
- How to track your Georgia state tax refund
- Methodology
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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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