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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
- About UnitedHealthcare
- Compare Medicare Advantage providers
- Find the right Medicare Advantage plan
- Compare types of bank accounts
- About Roth IRAs
- What is a lady bird deed?
- Life insurance buying guide
- What is a W-4?
- What is a brokerage account?
- Dividend definition
- What is a 401(k)?
- 6 steps to opening a Roth IRA
- What is the average stock market return?
- What's an adjustable-rate mortgage?
- Key takeaways
- What is a cashier's check?
- What is a budget planner?
- Ready to get started? Here's what to do next
- Still deciding on the right carrier? Compare Medicare Part D Plans
- What is a backdoor Roth IRA?
- QuickBooks Online resources
- What is asset allocation?
- What is the sales tax deduction?
- Still deciding on the right carrier? Compare Medigap plans
- What is an FHA loan?
- What is a put option?
- What is a jumbo loan?
- See CD rates by term and type
- Net worth defined
- See how to get your business started quickly
- Bizee: Easily form your new business
- Still deciding on the right carrier? Compare Medicare Advantage plans
- Quick tips for where to exchange currency
- What is debt-to-income ratio?
- What are dividend stocks?
- What is an emergency fund?
- What is a 1099?
- Tax benefits of buying a home
- How to make money as a kid
- What is passive income?
- How to make money in stocks
- What is a VA home loan?
- Target Circle Week 2024
- Top-rated low-cost index funds
- What is a credit freeze?
- About American Family home insurance
- What is inflation?
- What to expect flying first class with ANA
- What is a 1099-INT?
- What is the net investment income tax?
- What is an index fund?
- How to file taxes for free
- 1. Using only a checking account
- What is a utility bill?
- What are home equity loans and HELOCs?
- Sell something of value
- Routes and destinations
- Best Medicare Advantage companies
- Savings accounts
- Preparing to buy tips
- 7 of the best apps to make money
- What is a credit-based insurance score?
- Can you withdraw money from a 401(k) early?
- Background: UAW is riding a wave of union support
- A few examples
- What is Global Entry?
- How does Uber work?
- How long does it take to get a new credit card?
- How to get paid on YouTube
- 7 best-performing AI stocks
- What is a savings account?
- Why buying miles is generally a bad idea
- What you need to open a bank account
- What is the National Flood Insurance Program?
- July 13 - Hyatt and American Elite Members Can Participate in Reciprocal Benefits Challenges
- How much does a Crunch Fitness membership cost?
- Create a budgeting plan
- What does a credit freeze do?
- When do I need a cashier's check?
- Mortgage options
- What to expect flying economy class on Iberia
- How to get TSA PreCheck for free
- FDIC-insured accounts at banks vs. neobanks
- Upgrade for cheap at check-in
- What does tax-exempt mean?
- Capital gains tax on stocks: Do you have to pay?
- What to expect when flying economy with Qatar Airways
- Can you gift stock?
- 1. Take stock of your strengths and assets
- Best business CDs
- What is umbrella insurance?
- Microsoft Office Excel budget templates
- Make money selling on Amazon
- When is a payment marked late on credit reports?
- How to upgrade your boarding position on a Southwest flight
- Should you quit your job?
- The Benefits of Hyatt Globalist status
- 1. Not figuring out how much house you can afford
- 1. Certificates of deposit (CDs)
- Best Prepaid Debit Cards
- Snapshot comparison
- What is a CD early withdrawal penalty?
- 1. Give yourself a financial checkup
- How to find a passport number on your passport
- States with no income tax
- What is Sam’s Club?
- Does pet insurance cover spaying or neutering?
- Step 1: Check your credit
- California state income tax brackets and rates
- The best car insurance
- Delta’s flight cancellation policy
- What types of business insurance do architects need?
- Refinance to a lower rate
- Does Universal Orlando do shows?
- Frugal food tips
- How to calculate RV loan payments
- FuboTV cost per month
- Calculate your closing costs
- How do LLC taxes work?
- How much will refinancing save?
- Paying with a credit card is possible, but not advised
- Vending machine costs
- 14 food franchise opportunities
- How to use this calculator
- 1. Check what you already have and make a list
- Minimum wage over time
- What is tax debt relief?
- What are the best retirement plans for you?
- Banks with no debit card foreign transaction or ATM fees
- Choose tax-efficient accounts for your assets
- Key findings
- Average car loan interest rates by credit score
- What is Target Circle (the free one)?
- 50/30/20 budget calculator
- Texas state small-business grants
- How to remove an authorized user
- Generally, closing a bank account doesn't affect your credit
- Create a budget plan that works for you
- 1. Set your budget
- 1. Sell spare electronics
- What is an REO property?
- When are you considered a first-time home buyer?
- The best budget apps
- A quick overview of the Southwest Companion Pass
- What is franchising?
- The best cheap car insurance
- Snapshot comparison
- Before shopping, take inventory
- What is a call option?
- Emirates baggage policy
- How do CDs work?
- Why is having a low credit utilization important?
- How startup funding works
- Approach money as equals
- What is my net worth?
- Most profitable small businesses
- Why you'll like the Apple savings account
- Credit card features that function like buy now, pay later
- What information is on a utility bill?
- How much should you save each month?
- UnitedHealthcare Medicare Advantage pros and cons
- How to budget money
- What can BlockFi customers do?
- A modern way to buy new cars
- When can you withdraw from a Roth IRA?
- CDs are for some savings left untouched
- Best day to book a flight
- 1. Know your bank’s mobile check deposit requirements
- How do credit union loans work?
- Pros of a condo vs. a house
- ‘Don’t ever think your child is too young to learn’
- What Airbnb cleaning fees are and what they cost
- How to find your way around an airport
- How does a lady bird deed work?
- FAFSA requirements and your eligibility
- Late winter and early spring
- What is a state income tax?
- 4 common check fraud scams
- Key stats behind UAW’s unionization push
- International roaming plans: postpaid
- SBA 7(a) vs. 504 loan comparison: Which is right for you?
- How do brokerage accounts work?
- How many credit cards is too many or too few?
- 17 passive income ideas for 2024
- Wells Fargo Reflect® Card
- Best fleet fuel cards
- 1. Text messages and robocalls
- What is actual cash value coverage?
- How to maximize longer hotel stays by using free night benefits, by program
- What is a tax extension?
- The bull call spread
- Our picks for the best life insurance companies in April 2024
- What is the gift tax?
- Average savings account rate: 0.46%
- California loop
- TAP Air Portugal partner airlines
- Best ways to consolidate credit card debt
- What qualifies you to be a tax-exempt individual?
- The merge: an overview
- How to get rich
- What does this value mean?
- What is credit card churning?
- How to find a currency exchange near you
- Summary: The best places to save money and earn interest
- What is Cost Plus Drugs?
- Which Hyatt credit cards are available?
- Key takeaways
- Cost to rent an RV for a month
- How to get discounts on flights
- What is a home equity loan?
- What’s deductible
- Who has to pay the net investment income tax?
- How to calculate the cost of starting a business
- What is an EIN?
- Travel rewards
- Start your emergency fund
- Choose Chase if:
- How does a jumbo loan work?
- What does a CD early withdrawal penalty cost?
- Are WebBank credit cards good?
- 1. The card is packed with costly fees
- HELOCs and home equity loans compared
- What is mortgage pre-qualification?
- How to upgrade your American Express card
- Banks that offer joint business accounts
- The best money-making apps
- Why do I need an emergency fund?
- If you have private insurance
- Netflix subscription cost
- How to switch car insurance companies
- Investing in Bitcoin
- What is the 401(k) early withdrawal penalty?
- Spending rewards
- How to make money online
- How common is credit card fraud?
- How much does an Uber cost?
- How to use the car affordability calculator
- How does a 401(k) work?
- June 29 - American Adds Two Options to Retain Elite Status
- 2. Limit your shopping trips
- Knowing how your minimum payment is calculated offers insight
- How does a VA home loan work?
- Your credit score could drop if your bank account isn't in good standing
- Top-rated low-cost index ETFs
- 1. How Chase Sapphire Reserve® lounge access works
- What to expect flying economy with ANA
- How to freeze your credit with all 3 bureaus
- 2. Sell your gift cards
- Average inflation rate
- Do you pay taxes on stocks you don't sell?
- Rite Aid
- If my credit card is closed due to inactivity, can I reopen it?
- 11 best investments right now
- 50 best small businesses to start
- How to book a first class ticket with ANA
- Rewards on spending
- How much of my credit card should I use?
- Hyatt Discoverist benefits
- Roth IRA income limits
- How to invest in stocks in 6 steps
- What are the types of business insurance?
- The official QuickBooks community
- Why businesses in health care are worth exploring
- What to do with a 1099-INT tax form
- What are the key asset classes?
- What is the standard deduction?
- Choose Bank of America if:
- How do I know there's a late payment on my credit report?
- Apply for study abroad scholarships
- Points: Rewards on spending
- How do index funds work?
- What is the 10-year Treasury?
- 2. Keeping your savings too accessible — or too inaccessible
- What the lawsuits are about
- What is the price of a Sam’s Club membership?
- What is a negative credit card balance?
- What are the advantages of a sole proprietorship?
- Best for size of network: UnitedHealthcare
- Front-end and back-end DTI
- 20 high-dividend stocks
- What is a 1099 form used for?
- What is the Walmart MoneyCenter?
- Who can get Global Entry?
- Ways to earn money as a younger kid
- How much are closing costs?
- Apps most like Airbnb for cars
- Why you need a savings account
- Top credit cards you can use instantly after approval
- How I booked airfare from the U.S. to Peru with 44,000 United MileagePlus miles
- 1. How much do you want to spend on monthly payments?
- The average stock market return isn't always average
- How to place an Equifax credit freeze
- ARMs vs. fixed-rate mortgages
- What is a life insurance policy?
- Where can I get a cashier’s check?
- What is the 50/30/20 rule?
- Compare car insurance rates by age
- 1. There's more than one version of the store card
- Economy ticket types
- The best metal credit cards
- Why the Chase Sapphire Preferred® Card wins
- Does closing a credit card hurt your credit?
- TransUnion credit freeze online
- The benefits of gifting stocks
- 1. A high-yield online savings account that earns 4% or more
- 5 steps to get preapproved for a home loan
- Do you need insurance to rent a car?
- Stock up when you see discounts
- Who needs to get an EIN?
- What else you need to know about the Hyatt Guest of Honor Globalist Benefit
- Choose Citibank if:
- Complete the consolidation application
- How to lower your credit utilization
- Petal® 2 "Cash Back, No Fees" Visa® Credit Card
- Free tax filing options in 2024
- What is price protection, and how do I use it?
- John Hancock life insurance
- Leverage your union's strike fund
- Student loan forgiveness programs
- What is required to be approved for a HELOC or home equity loan?
- Cheap car insurance
- The best home insurance companies of 2024
- What reasons can you withdraw from your 401(k) early?
- Best shows at the Universal Orlando Resort
- Ethos life insurance
- Tax benefits of owning a home
- How to fill out a W-4
- What are dividend stocks and why buy them?
- When it could make sense to buy them
- AARP® Essential Rewards Mastercard® from Barclays
- When is the 2024 tax extension deadline?
- Track your spending for a set period
- How we ranked the top life insurers
- Best affordable homeowners insurance in Texas: State Farm
- Rising interest rates keeping some in debt longer
- 3. Pawn something
- Where American Family stands out
- NerdWallet's car insurance estimator
- YNAB, for hands-on zero-based budgeting
- Google Sheets budget templates
- Choose Citibank if:
- Complimentary COVID tests at Hyatt resorts
- 2. Getting just one rate quote
- How put options work
- List and assign money tasks
- Buying Bitcoin with PayPal
- What does it mean to live in a state with no income tax?
- Do wellness plans cover spaying or neutering?
- AmEx Plan It
- How to calculate your home equity
- Best affordable homeowners insurance in Utah: Travelers
- How much does architect insurance cost?
- Success stories
- Roth IRA withdrawal rules
- Best day to fly
- What is the cheapest car insurance in Texas?
- 2. Confirm the check amount is within mobile deposit limits
- How much should I save?
- Refinance to a longer term
- How state income tax rates work
- Frugal shopping tips
- How a Kikoff Credit Account line of credit works
- What UAW President Shawn Fain is saying
- RV loan calculator
- Best affordable homeowners insurance in Rhode Island: Amica
- Stackable savings at select grocery stores
- Standard benefits
- What you need to know about savings accounts
- How to start a vending machine business: A step-by-step guide
- What is a FEMA flood map?
- How much does a Crunch Signature membership cost?
- 3. Stick to your list
- State minimum wages in 2024
- 2. Advertisements of ‘guaranteed’ approval
- 5 tax relief options
- Freezing your Experian credit report online
- Cheap(er) cell phone plans from Verizon, T-Mobile and AT&T
- How can I get a cashier’s check?
- What is Target Circle 360 (the paid one)?
- How to redeem TAP Miles&Go miles
- Best affordable homeowners insurance in Montana: Nationwide
- How to calculate the inflation rate
- 2. Open and update your individual retirement accounts
- How to convert ANA miles to dollars
- Best place to exchange currency: Your bank or credit union
- How to get Hyatt Discoverist status
- How to open a backdoor Roth IRA
- How umbrella insurance works
- Best car insurance in California overall: Travelers
- Best affordable homeowners insurance in California: Travelers
- 2. Cash management accounts
- Bluebird by American Express
- Why invest in index funds?
- Check your number online
- Is there a Sam’s Club Membership discount?
- Best credit union personal loans for 2024
- ‘It’s better to be a working student and leave college with much less debt’
- Holiday weekends
- Credit-based insurance score vs. regular credit score
- 4 steps to spot a fake check and avoid trouble
- Differences between TSA PreCheck and Global Entry
- How much does a 20-minute Uber cost?
- How do you get a credit card faster?
- How to choose a brokerage account provider
- How LLCs pay income taxes
- Student loan refinancing calculator
- Chase Sapphire Preferred® Card
- U.S. Bank Visa® Platinum Card
- Food and beverage options
- May 26 - American and JetBlue Add Reciprocal Mileage Earnings
- 2. And for how long are you willing to make them?
- What is replacement cost coverage?
- How the annual gift tax exclusion works
- Are auto loan interest rates rising?
- How to close your bank account so your credit isn't affected
- General travel credit cards
- A neobank failure might mean delays in accessing funds
- 2. Shop for a loan
- Information you need to freeze your credit
- How to find bank-owned properties
- The pros of the Southwest Companion Pass
- RV monthly rental cost by type
- What does my 1099-INT form mean?
- What is the NIIT tax rate?
- Explore institutional aid
- Or go with an alternative
- Jumbo loan requirements
- An early withdrawal’s other cost: future interest forfeited
- Tips for booking travel rewards as a family
- Types of startup business funding
- 3. Not keeping track of your accounts
- Popular cards that offer price protection
- John Hancock life insurance policies
- Step 2: Pre-qualify and compare offers
- Investing for income: Dividend stocks vs. dividend funds
- 3. Endorse the check
- Why Airbnb cleaning fees are so irritating — and Airbnb's plan to fix it
- Who gets a 1099?
- How do you calculate closing costs on a house?
- How many credit cards should I have?
- Other (better) ways to purchase money orders
- 4. Pay attention to prices
- How tax extensions work
- Identify tax-efficient investments
- Is an ARM a good idea?
- Are paid surveys worth it?
- Use elite status
- 4. Work today for fast cash today
- Where American Family falls short
- How are stocks taxed?
- Who offers first-time home buyer assistance?
- Is 0% credit utilization bad?
- Preapproval is not the same as pre-qualification
- How does a home equity loan work?
- Or go with an alternative
- What can I do if I slip up?
- Check your local grocery store
- FHA vs. conventional loans
- The pros and cons of a life insurance trust
- Invest for retirement next
- 2. Identify the right mortgage
- What is the 10-year treasury yield today?
- Pros and cons of living in a state without income tax
- UHC Medicare star ratings
- Know a CD’s minimum
- Best homeowners insurance companies: Pros and cons
- Why your age (and dependency status) matters for eligibility
- Ethos life insurance policies
- Who opposes the UAW’s efforts
- What are the Walmart MoneyCenter hours?
- Where to find the fine print
- What should you do after you get your credit card?
- SBA 504 loans vs. SBA 7(a) loans: Key differences
- How to determine how much car you can afford
- World benefits
- Discretionary income explained
- 5-year, 10-year, 20-year and 30-year S&P 500 returns
- Does raising the minimum wage cause inflation?
- Get creative to reduce expenses and increase income
- VA home loan eligibility
- 2. You can only use the cards for purchases through some Amazon businesses
- Reasons to consider removing an authorized user
- 2. There are Chase Sapphire lounges in Hong Kong, Boston and New York, with more to come
- How churning can affect your credit
- Does my car insurance cover rental cars?
- How the standard deduction works
- How to take advantage of the sales tax deduction
- Net investment income tax and capital gains tax
- 14 business startup costs to plan for
- 1. IRS Free File
- Buyers would set their agents' pay
- What is the difference between Sam’s Club memberships?
- Calculating net worth: What are assets and liabilities?
- What can I do with a negative credit card balance?
- Help a neighbor in need
- How to cancel a Delta flight
- Reliability
- How we chose the cheapest companies in Texas
- Certificates of deposit
- What is a Roth IRA account?
- For people with Medicare
- Pros and cons of a lady bird deed
- What do financial pros say about Bitcoin?
- Episode transcript
- Apply for mortgage forbearance
- How severely is credit card fraud punished?
- Secured vs. unsecured RV loans
- Savings accounts with strong APYs can help your money grow
- NFIP flood insurance coverage
- 3. How much are you willing to pay in upfront costs?
- 5. Buy the Sunday paper (for coupons)
- 3. No state registration
- Best life insurance companies: Pros and cons
- How to use average car interest rates
- Historical national rates
- What is the Target Circle™ Card (the plastic one)?
- Ways to get good value
- How to buy a bank-owned home
- State availability
- How will this affect my credit score?
- How to estimate car insurance costs
- When is the best time to use ANA miles?
- Ways to get good value in ANA first class
- Shopping and entertainment protections and perks
- Does Cost Plus Drugs work with Medicare?
- NerdWallet’s budget planner
- 18 health care business ideas to consider
- Consider in-store shopping for single items
- Issuer pre-qualification pages
- Chase vs. Citibank: Basic checking accounts
- Buying a call option
- Own your tasks from start to finish
- 2. The credit limit could double
- How to open the Apple high-yield savings account
- What is mortgage preapproval?
- Risky business
- Calculate your DTI
- Mortgage selection tips
- When are state income tax returns due?
- International roaming: prepaid
- Can your Uber fare change?
- SBA 7(a) loan: Best for general business financing
- Dividend vs. growth stocks
- World Elite benefits
- March 31 - American and Alaska Announce Elite Benefits
- Use a budget planner
- 5. Seek community loans and assistance
- Joann
- TransUnion credit freeze by postal mail
- Another money-change option: online currency converters
- QuickBooks subreddit
- Bank of America vs. Citibank: Basic checking accounts
- A discount if you do test positive
- 3. Not checking credit reports and correcting errors
- 3. High-yield money market accounts (MMAs)
- Buying a put option
- What is an index?
- Don’t miss the deadline
- See CD rates by bank
- AvantCard Credit Card
- How to get car insurance quotes
- About home equity loans
- What comes next?
- Top options for architect insurance
- How to downgrade your American Express card
- Where do I put my emergency fund?
- ‘A greater emphasis on experiences’
- What are AI stocks?
- Citi Simplicity® Card
- Do all workers earn at least the minimum wage?
- Actual cash value vs. replacement cost
- What’s going on with layoffs in tech?
- The bear put spread
- Foreign transaction fees by bank or credit union
- 3. Determine other ownership costs
- What should investors know about the merge?
- How to stay rich
- First-time home buyer benefits and programs
- What is licensing?
- Examples of RV rental costs per month
- What does umbrella insurance cover?
- Choosing the best asset allocation
- Best California auto insurance for your budget: Auto Club of SoCal
- Ask for help if you need it
- Check 529 account rules for study abroad
- What CD early withdrawal penalties cost at some big banks
- 4. Paying fees for your account
- Negotiations would be more complex
- Best for extra perks: Aetna
- How to calculate debt-to-income ratio for a mortgage
- Know a CD’s federally insured maximum
- 4. Open the mobile deposit function in your bank app
- Cons of a condo vs. a house
- Do I need a 1099 to file my taxes?
- All year
- Frugal entertainment tips
- Eye-catching introductory offers
- Kikoff fees and penalties
- How long does it take to receive a replacement credit card?
- Bonus cash back on memberships at gyms and fitness clubs
- Potential issues with having multiple credit cards
- Decide what type of account you want: checking vs. savings
- How I added a segment within Peru for free
- 6. Avoid online grocery shopping
- 401(k)s and other employer-sponsored retirement plans
- How to apply for a VA home loan
- How to buy a life insurance policy
- How much does a cashier’s check cost?
- How long will your mortgage loan last?
- Should you sign up for Target Circle?
- Ways to get good value
- Recent neobank closures
- 6. Ask for forbearance on bills
- When should I close my credit card?
- How Cost Plus Drugs affects your Medicare Part D coverage
- Things to ask before you apply for a Hyatt credit card
- How far in advance should I get preapproved for a mortgage?
- Backdoor Roth IRA rules
- Best homeowners insurance in California for coverage: Chubb
- What counts as net investment income (NII)?
- How to apply for an employer identification number
- Pay off student loans early — the smart way
- Pet insurers that cover spaying and neutering
- No union to help? Plan ahead
- Other student loan forgiveness programs
- California income tax deadlines and extensions
- Best homeowners insurance in Utah for coverage: Openly
- Best car insurance companies: Our winners
- Try a simple budgeting plan
- How does a Roth IRA work?
- What if there were no cleaning fees?
- Apply for loan modification
- Ethos life insurance rates
- What services are available at Walmart MoneyCenters?
- What is the fee for Global Entry?
- Fubo add-ons
- Should you tip an Uber driver?
- Best homeowners insurance in Rhode Island for coverage: The Andover Companies
- How are dividends paid out?
- Will I qualify for student loan refinancing?
- What kind of Mastercard is my card?
- How a savings account works: withdrawal limits
- How is discretionary income calculated?
- How to file a tax extension
- Possible reasons why your minimum payment increased
- Cheap cell phone plans from brands owned by the big three
- One-quarter of Americans used BNPL in the past year
- Types of adjustable-rate mortgages
- Average interest checking account rate: 0.08%
- Best homeowners insurance in Montana for coverage: State Farm
- American Family home insurance coverage
- How flexible are ANA miles?
- How credit utilization affects your scores
- QuickBooks Facebook groups
- FHA loan requirements
- Is a Southwest Airlines upgrade worth it?
- How does a life insurance trust work?
- Price vs. yield
- What to ask your issuer
- Do you include a 401(k) in a net worth calculation?
- My Chase Plan
- Cheap car insurance in Texas by age
- Who can open a joint business account
- Types of state income tax
- How to read the fine print
- Feb. 23 - American Airlines Adds Free Bags to Certain Fares
- 4. How far do you drive?
- What to expect the stock market to return
- 4. A bad online reputation
- Best in Texas for having few consumer complaints: Chubb
- 3. Prime members earn lucrative rewards
- What to know if you take online surveys
- 3. How to get into a Chase Sapphire lounge
- How to unfreeze your credit
- 7. Request a payroll advance
- TransUnion credit freeze by phone
- Factors that affect the cost of car insurance
- Where to exchange currency outside the U.S.
- What can I use a home equity loan for?
- The Federal Trade Commission’s budget worksheet
- Standard deduction 2023
- When you hate your job but can’t quit
- 4. Making a down payment that's too small
- Serve American Express Prepaid Debit Account
- Chase vs. Citibank: Basic savings accounts
- 5. Not taking advantage of local or online options
- How to deposit funds into the Apple savings account
- 5. Take clear pictures of the check with your mobile device
- How do streaming services fit into your budget?
- What you need to submit the FAFSA
- Relaxing rewards at the spa and salon
- Blue Cash Preferred® Card from American Express
- Citi® Diamond Preferred® Card
- How much does a Crunch+ membership cost?
- 7. Calculate your burn rate
- Freezing your Experian credit report via postal mail
- Best life insurance company overall: MassMutual
- Gift tax limit 2024
- Miles&Go sweet spots
- 4. Find the right car for you
- 1. High-yield savings accounts
- Goodbudget, for hands-on envelope budgeting
- 2. An interest-bearing checking account that earns 1% or more
- Additional fees
- Rental car insurance vs. your own auto insurance
- QuickBooks community forum sites
- How to claim the sales tax deduction
- Bank of America vs. Citibank: Basic savings accounts
- How long does a late payment stay on my credit report?
- How do you avoid the net investment income tax?
- Hyatt started it, but will others follow?
- Top credit cards that offer preapproval without a hard pull
- 4. Peer-to-peer lending
- Perks: Goodies that come with the card
- Strategies to avoid a CD penalty
- Request your passport number from the State Department
- 3. Carrying a balance is expensive
- Available riders and add-ons
- Student loan cancellation programs
- Before you flip
- 4 tips for keeping your money in CDs insured
- How do I build an emergency fund?
- ‘Not being afraid to invest’
- How do you set up a lady bird deed?
- How to apply for a Kikoff line of credit
- Ethos customer complaints
- How to protect yourself from credit card fraud
- Does the cost of FuboTV fit into your budget?
- How to fit Uber into your budget
- When to estimate closing costs
- Upgrade Triple Cash Rewards Visa®
- Types of replacement cost coverage
- Pros and cons of VA home loans
- Which life insurance policy is right for me?
- What is a tax exemption?
- How are dividends taxed?
- Why you might want the Chase Sapphire Reserve® instead
- Kirkland’s
- Lifting a TransUnion credit freeze
- How did we determine the ANA miles value?
- Pull from your savings
- How much do index funds cost?
- Oportun Visa Credit Card
- What it means for buyers and sellers this spring
- How do you sign up for a Sam’s Club membership?
- Net worth calculator
- How to find high-yield alternatives
- About home equity lines of credit
- What does UnitedHealthcare Medicare Advantage cost?
- Other popular ways to make money in one hour usually come with a catch
- What's next?
- Cheap car insurance in Texas for 20-year-olds
- When should I receive my 1099?
- How much should you spend on a mattress?
- Eliminate mortgage insurance
- Frugal DIY project tips
- Are Walmart MoneyCenter services worth it?
- How to get Global Entry through travel cards
- How long does it take to get approved for a credit card?
- 6 types of dividends
- What the NFIP won’t cover
- Tips for taming your minimum
- How do I avoid foreign transaction fees on my debit card?
- What to do once your Equifax credit freeze is in place
- Losing access to funds is an issue at fintech firms
- 8. Take a loan from your retirement account
- Tips for Qatar economy flights
- How to qualify for first-time home buyer benefits
- More about the card
- Additional QuickBooks resources
- Credits
- Do I have to pay California state tax?
- How much does it cost to cancel a Delta flight?
- CD vs. high-yield savings account: At a glance
- You'll likely forgo a welcome bonus
- How to apply for a joint business bank account
- For Medicaid beneficiaries
- More about Ethos life insurance
- How to open a brokerage account
- Jan. 29 - American Airlines Announces Limited Time Changes to Admirals Club Access
- 5. How important is driving the newest model to you?
- 8. Follow your favorite brands
- 5. No physical address or contact information
- What if I lose the cashier's check?
- 4. You’ll get a small introductory bonus
- The difference between tax exemptions, tax deductions and tax credits
- Home equity loan rates in 2023
- Standard deduction 2024 (taxes filed 2025)
- Best car insurance in California for customer complaints: Amica
- Will making a partial payment keep me from being reported late?
- OpenSky® Secured Visa® Credit Card
- How much does a Southwest flight upgrade cost?
- 3. Research mortgage lenders
- 4. Payments are reported to the three major credit bureaus
- Student loan discharge programs
- How to invest in dividend stocks
- What’s a 'good' insurance credit score?
- A considerate late-payment policy
- Other Kikoff credit-building tools
- Common questions about RV loans
- Schumer box
- Are my finances stable enough to refinance?
- Find a bank that suits your needs
- What states are increasing minimum wages in 2024?
- Cheap cell phone plans from brands that resell network service
- Gift tax limit 2023
- Final thoughts on ANA economy
- 9. Borrow against life insurance
- Inflation example
- How to gift stock
- What umbrella insurance doesn’t cover
- More ways to take charge of your budget
- Best homeowners insurance in California for consumer experience: Nationwide
- Chase vs. Citibank: Certificates of deposit
- Diversifying with index funds
- Partial payment credit is possible after April 30
- 2. Free tax software
- PayPal cryptocurrency fees
- John Hancock life insurance rates
- Step 3: Choose your lender and loan
- Best homeowners insurance in Utah for consumer experience: American Family and Nationwide
- Pre-qualification vs. preapproval
- Fees
- Best for local support: Blue Cross Blue Shield
- What can you invest in with a Roth IRA?
- 6. Confirm the check details and complete the deposit
- ‘Build another stream of income’
- When to switch car insurance companies
- Mattress-buying tips
- Best homeowners insurance in Rhode Island for consumer experience: Nationwide
- W-4 form 2024
- How much to keep in your savings account
- Citi Double Cash® Card
- NFIP flood insurance rates
- Getting information about an Experian credit freeze by phone
- The long straddle
- Employ tax-efficient investing strategies
- Get more help with monthly budget planning
- What to do after removing an authorized user
- Rocky Mountains
- 5. Contact the seller or visit a dealership
- Best homeowners insurance in Montana for consumer experience: Amica and Nationwide
- When do you have to pay taxes on stocks?
- Alternatives to canceling a credit card
- How much car insurance you need
- 3. Don’t fear stock market exposure
- Where to avoid exchanging currency
- 3. A CD ladder
- How franchising vs. licensing differ
- Bank of America vs. Citibank: Certificates of deposit
- How can I avoid late payments?
- 5. Online savings accounts
- Types of life insurance trusts
- Use federal student loans
- Why is the 10-year Treasury yield important?
- Is a Sam’s Club membership worth it?
- The caveats
- Home equity loan and HELOC rates
- How to open a savings account or CD
- If everyone hates Airbnb cleaning fees, why still charge them?
- Tax benefit of selling a home
- Ways to earn money as a teenager
- How to save money on an Uber
- How does credit card approval work?
- What do closing costs include?
- Card details: Chase Freedom Flex℠
- Potential impact of multiple credit cards on your credit scores
- How to invest in AI stocks
- How do you cancel a Crunch Fitness membership?
- How to unfreeze your credit with Equifax
- 4. What is the most affordable way to get access to Sapphire Lounges from Chase?
- 10. Use a credit card cash advance
- Could Cost Plus Drugs partner with Medicare?
- The cons of the Southwest Companion Pass
- Net investment income tax examples
- The bottom line
- 5. Not looking for first-time home buyer programs
- Compare your net worth
- 5. The Credit Protection program is optional
- Get control of your personal finances
- Get pre-qualified or preapproved?
- What is a good DTI ratio?
- Big picture: CDs fit in the cash portion of a portfolio
- 7. Keep the check until it's processed
- Alternatives to a lady bird deed
- Types of 1099 forms
- Consider the costs of cashing out your 401(k)
- How to earn United miles for a trip of your own
- 9. Try out generic labels
- 6. Asking for money or gift cards
- Other ways to get free stays at hotels
- 5 types of employer-sponsored retirement plans
- Best life insurance company for applicants with HIV: Guardian
- Best homeowners insurance in Texas for consumer experience: Nationwide
- How the lifetime gift tax exclusion works
- Some with credit card debt keep it a secret
- How ARM rates are set
- 5. Financing options are available, but proceed with caution
- Texas city-specific business grants
- Tips when using a neobank
- Skip currency exchange: Use a credit or debit card
- Is a backdoor Roth IRA worth it?
- How to save on renting an RV for a month
- Make money with Amazon by recommending products
- How to qualify for Hyatt Globalist
- ONE VIP Visa Prepaid Card
- Pros and cons of jumbo loans
- Gemini Credit Card
- John Hancock complaints and customer satisfaction
- Citi Flex Pay
- How to handle these bills
- How to save money every month
- What is California's standard deduction?
- Understanding the American Express card families
- How you could lose FAFSA eligibility
- What kind of investment is Bitcoin?
- Frugal home expenses tips
- Light on fees
- Kikoff vs. Self
- How to apply online for Global Entry
- LLC payroll taxes
- 401(k) withdrawals
- What to expect when you open your new account
- What are fleet cards?
- 6. How clean do you keep your car?
- How tax extensions work if you owe taxes
- What is the VA loan limit?
- How much life insurance should I buy?
- Average certificate of deposit rate: 1.81% for one-year CDs
- Types of mortgage loans
- 11. Look for a payday alternative loan
- Is there an income limit to qualify as a first-time home buyer?
- How banks put up guardrails against churning
- What is a business CD?
- Ways to get the best home equity loan rates
- Standard deduction for those 65 or older
- Best California car insurance for ease of use: State Farm
- Alternatives to a Southwest flight upgrade
- Know the implications of consolidation
- Buying a call option vs. owning the stock
- Holding crypto on PayPal
- What is Paribus?
- Keep your options open
- Are Roth IRAs insured?
- Credit union personal loan rates
- Sign-up bonus rules
- How to find the 2024 W-4
- Alternatives to savings accounts
- Chase Freedom Flex℠
- How to get a National Flood Insurance Program policy
- How does a Crunch Fitness membership fit into your budget?
- Minimum wage increases
- Once you request your Experian credit freeze
- Cashier’s check vs. certified check vs. money order
- The most popular surveys for cash apps
- How to freeze your child’s credit
- 2. Certificates of deposit
- Final thoughts on ANA first class
- How much is World of Hyatt status worth?
- Who needs umbrella insurance?
- How to find a job
- Consider private student loans
- Chase vs. Citibank: Banking experience
- Buying a put option vs. short selling
- Quick start guide: How to invest in index funds
- 4. Get preapproved for a home loan
- Are 10-year Treasury notes a good investment?
- Share resources with other strikers
- Average car insurance rates for poor credit
- No-closing-cost mortgages
- SBA 504 loan: Best for financing fixed business assets
- Brokerage accounts are taxable accounts
- Citi Custom Cash® Card
- What credit card should you use?
- 10. Use credit cards strategically
- Replacement cost vs. actual cash value: How to decide
- IRAs
- Final thoughts on flying economy class on Iberia
- 6. Inspect and test-drive the car, if applicable
- What is net investment income tax?
- Next steps
- Bank of America vs. Citibank: Banking experience
- Full list of best homeowners insurance in California
- Emirates carry-on baggage policy
- How the 9 states with no income tax stack up
- More about John Hancock
- Step 4: Gather loan documents
- What part of my income gets taxed by California?
- Tips to find cheap flights any day of the week
- 2023 state income tax rates and brackets
- What if your application is denied?
- Full list of the best homeowners insurance in Rhode Island
- How to find AI ETFs
- How do fleet cards work?
- The bottom line
- 7. Do you use your car for business?
- Ready to get started?
- What is the median household income in the U.S.?
- What to do if you’ve been scammed
- Earning Miles&Go miles with partners
- 5. Other cards with airport lounge access
- 12. Get a personal loan
- Why some cars cost more to insure
- Churners beware
- Is Cost Plus Drugs a good idea for Medicare beneficiaries?
- Petal® 2 "Cash Back, No Fees" Visa® Credit Card
- 6. High-yield checking accounts
- Maximum and average DTI ratios by mortgage type
- Consumer-friendly features and benefits
- Rewards program rules
- Next steps:
- Close your old account, if needed
- 11. Establish your local supermarket circuit
- How tax extensions work if you're due a refund
- Things to consider
- Full list of the best home insurance companies in Texas
- What is hyperinflation?
- EveryDollar, for simple zero-based budgeting
- How to apply for a World of Hyatt credit card
- How much can you borrow with a home equity loan?
- Asset allocation calculator
- Do I need to worry about the net investment income tax?
- Travel and shopping protections
- 5. Submit your application
- Selling crypto on PayPal
- Who should get a home equity loan
- Best for low-cost plan availability: Humana
- Roth IRA eligibility rules
- For the uninsured
- Do I have to update my W-4 every year?
- BankAmericard® credit card
- Citi Custom Cash® Card
- Refinancing a VA home loan
- 2024 lifetime gift tax exemption
- Full list of the best homeowners insurance in Montana
- American Family home insurance rates
- What else you need to know
- Business CD vs. business money market account
- How much umbrella insurance do you need?
- Make money on Amazon without selling stuff
- Full list of the top auto insurance companies in California
- Do you ever need to change your EIN?
- What credit cards include Southwest upgrades?
- 6. Ignoring VA, USDA and FHA loan programs
- Chase vs. Citibank: Overdraft fees
- More on WebBank
- How do you buy 10-year Treasury notes?
- How to look up passport numbers recapped
- 3 investing myths
- 12. Consider a wholesale membership
- When did all of the tech layoffs start?
- The long strangle
- Best life insurance company for consumer experience: Northwestern Mutual
- How can I avoid cashier's check fraud?
- When should you freeze your credit?
- 13. Rent out a room
- How to protect against inflation
- How to pay lower taxes when selling stocks
- Final thoughts on Qatar economy class
- 3. Bonds
- Bank of America vs. Citibank: Overdraft fees
- How much does homeowners insurance cost in California?
- Emirates extra baggage fees
- Am I a resident for California state tax purposes?
- Full list of the best homeowners insurance in Utah
- Additional benefits
- How to get a loan from a credit union
- Do all auto insurers use credit-based insurance scores?
- Other loan calculators
- How much does homeowners insurance cost in Rhode Island?
- LLC self-employment taxes
- How many tax extensions can you file?
- How much do life insurance policies cost?
- 7. Determine which warranties are right for you
- Shortcuts to asset allocation
- The bottom line
- 3. Volunteer Income Tax Assistance (VITA)
- Transferring crypto into your PayPal address
- Who should get a HELOC
- Basic economy
- Bitcoin and volatility
- Seller-paid closing costs
- The bottom line
- Alternatives to FEMA flood insurance
- How much does homeowners insurance cost in Texas?
- Discounts
- Which card should you get?
- How to safely cancel a credit card
- Exchange frequently? Consider a multicurrency account
- How hard is it to get a Hyatt credit card?
- Home equity loan requirements
- Standard deduction for dependents
- FamZoo Prepaid Card
- Do you pay tax on T-notes?
- Barclays Easy Pay
- How to adjust your Form W-4
- Brokerage accounts vs. IRA
- Finding a car you can afford
- How to evaluate dividends
- Choosing between cards? Rewards and perks might make the difference
- Where to find the best savings accounts
- How much does a tax extension cost?
- Types of VA home loans
- How to switch plans and keep your number
- Recap: How to get a cashier's check
- How to save on car insurance
- Average cost of homeowners insurance in California by city
- 7. Not knowing whether to pay discount points
- Jumbo loans and conforming loan limits
- Qualification
- Interest-based passive income ideas
- Could we be in an AI bubble?
- 13. Look at the price per unit
- Who pays the gift tax?
- More ARM terms to know
- Average money market account rate: 0.66%
- Cons of a credit freeze
- How much does homeowners insurance cost in Montana?
- 14. Moonlight as a dog sitter
- Using your credit card for rental car coverage
- Upgrade Cash Rewards Visa®
- What if you lose your EIN?
- Which type of life insurance should I put in a trust?
- More branches or more ATMs
- Next Steps
- Is it worthwhile to get pet insurance for spaying and neutering?
- Step 5: Submit your application and get funded
- UHC Medicare Advantage plan types
- Are these the best dividend stocks?
- What company has the best rates for good drivers with poor credit?
- LLC sales taxes
- Tax extensions for overseas taxpayers and military members
- Retirement accounts for small-business owners and self-employed individuals
- Should you choose Bank of America or Citibank?
- Selling a call option
- Find local conforming loan limits
- Transferring crypto from your PayPal wallet
- What are the disadvantages of sole proprietorship?
- How much does homeowners insurance cost in Utah?
- What’s a spousal Roth IRA?
- Credit union vs. online lender
- 2024 state income tax rates and brackets
- Other fine print
- Average cost of homeowners insurance in Rhode Island by city
- Capital One Venture Rewards Credit Card
- Fleet fuel cards: benefits and drawbacks
- If you want to book a free night
- Do you pay taxes when you receive a gift?
- 8. Negotiate the best price
- 15. Become a rideshare or delivery driver
- Consumer complaints
- The best place to exchange currency at the end of your trip
- If you’re looking to apply for a Hyatt credit card …
- Business CD rates
- How much does umbrella insurance cost?
- Are home equity loans a good idea?
- Other ways to earn cash online
- When can't you take the standard deduction?
- The bottom line
- How to fund a startup
- Best of the Blues: Highmark
- Best life insurance company for coverage amounts: New York Life
- How many times can you use a VA home loan?
- Average cost of homeowners insurance in Texas by city
- How to get started
- You can refinance an ARM
- Route 66
- The cheapest home insurance in California
- 8. Emptying your savings
- Ways to get the best jumbo mortgage rates
- Sending crypto to another PayPal user
- Home shopping tips
- Is Global Entry worth it?
- How much money can you make on YouTube?
- Credit freeze or credit lock?
- 16. Cut your insurance premiums
- Consumer experience
- Empower Personal Dashboard, for tracking wealth and spending
- Pros and cons of franchising vs. licensing
- How to get umbrella insurance
- A Southwest flight upgrade will get you on board faster
- 6. Begin the underwriting process
- The best shows at Universal Orlando recapped
- 14. Understand sale cycles
- What happens after you file a tax extension?
- Is the gift tax deductible?
- Average cost of homeowners insurance in Montana by city
- Currency exchange: Frequently asked questions
- Buying rental car insurance on your own
- What’s next?
- Award tickets booked with Delta SkyMiles
- Other ways to build credit
- The cheapest home insurance in Rhode Island
- LLC tax forms and deadlines
- Chase Freedom Unlimited®
- The synthetic long
- When to consider Global Entry instead
- How much is my 2023 standard deduction?
- Greenlight Prepaid Mastercard
- Lounge benefits
- Using travel rewards for the family requires a mindset shift
- Average cost of homeowners insurance in Utah by city
- Third-party ratings
- Loyalty program
- Roth IRA vs. traditional IRA: What's the difference?
- Ways kid creators can earn online
- Important considerations when opening a Roth IRA
- The cheapest home insurance in Texas
- How much is the gift tax rate?
- Compare top-rated life insurance companies
- 9. Maximize trade-in value, if applicable
- Who can access your frozen credit reports?
- Discover it® Secured Credit Card
- PayPal cryptocurrency alerts
- U.S. Bank ExtendPay
- DTI isn't a full measure of affordability
- How do you file a state tax extension?
- The difference between interest rate and APY
- Elite benefits on partner flights
- 17. Consolidate your debt
- Bottom line: Is umbrella insurance worth it?
- What you need to know about California homeowners insurance
- More about the card
- Next steps
- Car insurance rates for drivers with good or poor credit by state
- If you’re looking for a car-sharing platform
- Should you invest in AI stocks?
- Fuel card vs. business gas credit card
- Compare insurance rates by driver history
- The cheapest home insurance in Montana
- Should I choose a home equity loan, HELOC, or cash-out refinance?
- 9. Applying for credit before the sale is final
- 4. GetYourRefund.org
- Does PayPal offer tax forms?
- How to shop for Medicare Advantage plans
- What to know about Rhode Island homeowners insurance
- Earn an audience, and earn more in the long run
- Best life insurance company for permanent life insurance: Pacific Life
- Upcoming Sapphire Reserve lounges, recapped
- Is World of Hyatt Discoverist status worth it?
- Selling a put option
- The cheapest home insurance in Utah
- How to build your credit and get cheaper insurance
- Are dividends taxed?
- 10. Make the purchase
- 18. Refinance your student loans
- The bottom line
- Hotel-friendly benefits
- LLC tax tips for business owners
- U.S. Bank Cash+® Visa Signature® Card
- Spaces to relax and work
- What to know about Texas homeowners insurance
- Common gift tax return triggers
- Find the best life insurance policy for you
- Final thoughts on getting TSA PreCheck for free
- 2023 vs. 2024 standard deduction
- What protections does PayPal offer?
- California state tax credits
- Delta’s no-show policy
- If your DTI is high
- How to open a Roth IRA in 4 steps
- Next steps
- Which states have tax deadline extensions?
- Other types of mortgage loans
- What is credit card consolidation?
- What to know about Montana homeowners insurance
- 19. Change your cell phone plan
- 7. Prepare for closing
- W-4 calculator
- Other ways to make money
- National grant programs available to Texas small businesses
- Other home insurance companies to consider
- 4. Money market funds
- How to get the types of business insurance you need
- Mission Lane Visa® Credit Card
- Walmart MoneyCard
- Why call options can make sense
- What to know about Utah homeowners insurance
- Tips for making money as a kid
- How the FDIC calculates national rates
- Avoid risky loans
- PocketGuard, for a simplified budgeting snapshot
- When to claim the standard deduction
- Types of FHA loans
- Cheapest for 30-year-old drivers
- Does your business need a fleet fuel card?
- Understanding life insurance quotes
- How does credit card consolidation work?
- These are just some of the best ways to save on plane tickets
- Car rental insurance: The bottom line
- 8. Close on the home
- If you need to cancel a Delta flight
- Best life insurance company for customer satisfaction: State Farm
- The bottom line
- 10. Shopping for a house before a mortgage
- The Upgrade cards
- UnitedHealthcare Medicare service area
- What else to know about Form W-4
- The myWalgreens Mastercard
- What to know before shopping for car insurance quotes.
- 5. Tax Counseling for the Elderly (TCE)
- 5. Mutual funds
- California Department of Insurance
- Is consolidating credit card debt a good idea?
- Is franchising or licensing right for your business?
- Prosper® Card
- Services
- Frequently asked questions
- Rhode Island insurance department
- Bank of America® Premium Rewards® credit card
- More resources
- Looking for more insurance in California?
- Call vs. put options
- New England loop
- Best stocks for beginners
- Frequently asked questions
- Home purchasing tips
- Can I still use my credit card after debt consolidation?
- 11. Underestimating the costs of homeownership
- Other ways to save on car insurance if you have poor credit
- Best life insurance company for older applicants: AARP
- Tips to finding the right grant program for your small business
- 6. Index funds
- Low-fee alternatives to prepaid cards
- Mastercard Installments
- UnitedHealthcare customer service
- Credit cards for dining
- Honeydue, for budgeting with a partner
- Montana insurance department
- FHA loan limits
- 6. MilTax
- How to track your California state refund
- The bottom line
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- Centurion member-only areas
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- Texas Department of Insurance
- 12. Miscalculating repair and renovation costs
- Advantages of put options
- The bottom line
- Bilt World Elite Mastercard® Credit Card
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- How to apply for an FHA loan
- California state sales tax
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- What is a 1099 employee?
- Ambiance and crowds
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- What if you're not eligible?
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- Capital One Platinum Credit Card
- 7. Direct File
- How these features differ from other BNPL options
- 7. Exchange-traded funds
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- Pros and cons of FHA loans
- How to get cheap car insurance
- How to choose the best life insurance company
- Airline credit cards
- Other home insurance companies to consider
- Other notable options
- How to get into the Centurion Lounge at SFO
- Methodology to identify the best budget apps
- Access to unique experiences
- What are the Roth IRA withdrawal rules?
- The South
- 8. Stocks
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- Best prepaid debit cards: Summary of fees and ATMs
- Business class
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- Major issuers and their policies on instant credit access
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- 9. Alternative investments
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- 10. Cryptocurrency
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- 11. Real estate
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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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