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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.
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- 6. Create a diverse range of credit
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- 3. Baggage screening
- PDFConverter.com 15 Best Budgets
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- 3. Where will you charge it?
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- Use employee benefits
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- Alternatives
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- 3. What makes mortgage brokers different from loan officers?
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- 4. Meet in a 'safe zone'
- Average interest checking account rate: 0.08%
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- 2. Different parent may need to fill out FAFSA
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- Try a simple budgeting plan
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- 4. Benefits apply for a limited number of days
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- 3. Get a new appraisal to remove PMI
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- 4. Special financing options can be risky
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- 3. Figure out how you want to shop
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- 4. You can see the rates and fees before applying
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- Be firm on your needs, flexible on the rest
- Most Americans see 2021 travel on the horizon
- 3. There is a sign-up bonus
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- Serve American Express Prepaid Debit Account
- 4. Save raises and windfalls
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- What to keep in mind
- Is it worth it to cash a savings bond?
- What's available during Medicare open enrollment?
- How does Hulu fit into your budget?
- How to pay for a bachelor’s degree at a community college
- What is a FICO score used for?
- 5. The Ritz-Carlton Orlando, Grande Lakes and JW Marriott Orlando, Grande Lakes (Marriott Bonvoy)
- 5. Housesit
- Goodbudget, for hands-on envelope budgeting
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- A few tips about giving gift cards
- 7. Calculate your burn rate
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- 2. Check if you qualify for PAYE
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- 4. Peer-to-peer lending
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- Annual Business Budget in Google Sheets
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- Not everyone has started saving for retirement
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- 1. High-yield savings accounts
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- 3. Break it down
- Perks: Goodies that come with the card
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- Does YouTube TV allow password sharing?
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- 4. Find the right car for you
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- How much are American Express Membership Rewards points worth?
- 3. You'll have access to some perks
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- 3. Don’t ask for too much cash
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- 4. Is a mortgage broker right for me?
- Who pays the closing costs?
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- Other ways to get free checked bags
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- Point-of-sale hardware
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- Kirkland’s
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- When to estimate closing costs
- How to check your own credit references
- How opening a new card can help your credit
- What's next?
- Copay vs. deductible
- Why Black-owned banks matter
- What to do if you’re nervous
- 4. You’re too young
- Which card should you get?
- Store your Bitcoin on Cash App
- 5. Avoid buyers with too many stories
- What internet speed do you need?
- 4. Talk to your lender
- Extending or converting your policy
- 6 types of dividends
- April
- Best altcoins
- Get around the Strip for free or cheap
- If you need student loan help
- 4. Ordering food
- Is stagflation the same as a recession?
- How to contact your servicer
- 4. What will you use the car for?
- Where Gerber stands out
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- Working YouTube Premium costs into your budget
- States that have estate taxes, inheritance taxes or both:
- 4. Pocket your tax refund
- Frugal DIY project tips
- Amenities and other perks
- Know the limits of credit monitoring services
- How do I know if I'm working with a fiduciary financial advisor?
- 5. All authorized drivers are covered
- Mortgage assistance tips
- 4. Compare the providers
- How to get the HMBradley credit card
- Learn more
- What is a good business credit score?
- Credits
- Add your friend as an authorized user
- Choose a Medicare Supplement Insurance company
- How to invest in dividend aristocrats
- How do you find out how much equity is in your home?
- Eliminate mortgage insurance
- How much interest will I earn on $10,000?
- How much should you spend on a mattress?
- Are Walmart MoneyCenter services worth it?
- Prepaid 529 plans by state
- 3. Apple Pay Later
- 5. Earn some extra money
- Earned wage access pros and cons
- How to get Global Entry through travel cards
- Should you buy growth stocks?
- Tips for Qatar economy flights
- 2. Solo 401(k)
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- 6. TownePlace Suites Orlando at SeaWorld (Marriott Bonvoy)
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- 8. Follow your favorite brands
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- Other tech tools to help you manage your money
- 3. IRS imports tax information
- How many banks have collapsed?
- About USAA's travel insurance benefits
- Microsoft Office Template
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- 4. Don’t expect savings on interest, either
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- Find your community
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- Best car insurance in California for customer complaints: Amica
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- Can United miles be used on other airlines?
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- 4. Refinance to get rid of PMI
- 4. Electronic stability control
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- How do you sign up for a Costco membership?
- Consider your legal options
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- More ways to take charge of your budget
- Consumer takeaways
- 5. Do you enjoy performance?
- Where Gerber falls short
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- Who can file Form 4868?
- Put it all together
- 5. Pay your IRA first
- Bottom line
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- Integrations with accounting software
- Cruising versus flying
- 5. Credit card fees are avoidable
- What auto insurance covers
- Booking award flights
- Why you may not want to book last-minute
- What states are increasing minimum wages in 2024?
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- 4. The high APR is unfashionable
- 4. Interest will be charged on any balance left when the 0% period ends
- What happens next?
- How to choose a rent-reporting service
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- 6. Write online reviews
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- 8. Find a co-signer
- 5. Online savings accounts
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- How to get more aid for college
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- 6. Certain types of vehicles aren’t covered
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- Best for premium discounts: Mutual of Omaha Medicare Supplement Insurance
- Step 3: Choose your lender and loan
- What’s next?
- WooCommerce: Best shopping cart plug-in for WordPress users
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- Mattress-buying tips
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- Additional functionality
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- 5. Contact the seller or visit a dealership
- How do you get Airbnb travel insurance and how much does it cost?
- What info do you need for a home insurance quote?
- How long does it take to make money with DoorDash?
- The bottom line
- 5. You lack sufficient income
- 5. How do I choose a mortgage broker?
- 7. AC Hotel Orlando Downtown (Marriott Bonvoy)
- Selling Bitcoin
- 5. Some perks come with strings
- What is the difference between an inheritance tax and an estate tax?
- How do construction loans work?
- Remember gift cards can expire
- The best time to lower your car payment
- Categories of altcoins
- 4. Delay impacts some state financial aid forms
- What causes Treasury bill rates to fall?
- Pay brunch price for buffets
- Apply for financial aid
- Check your airline
- Will my loans get cancelled?
- More about Fidelity Life insurance
- Do spot Bitcoin ETFs have custodianship risk?
- Look for the most flexible HELOC terms
- Insurance costs impact vehicle shopping for most
- How does credit utilization affect my credit score?
- How much does Medicare Supplement Insurance Plan N cost?
- How to use QuickBooks Online's Undeposited Funds account
- Potential impact of multiple credit cards on your credit scores
- When to enroll in Medicare Supplement Insurance
- Deposit timing
- Personal loans from banks
- Don’t let negative emotions get the upper hand
- Does YouTube TV fit in your budget?
- How to invest in AI stocks
- 6. Track your progress and keep going
- What do closing costs include?
- Adoption taxpayer identification number (ATIN)
- 4. Consider a co-signer
- Ways to earn money as a teenager
- Starbucks Workers United and Starbucks are negotiating
- Additional costs for international wires
- 5 types of employer-sponsored retirement plans
- What savers and would-be savers can do
- Dropping your life insurance
- 9. Try out generic labels
- May
- How the lifetime gift tax exclusion works
- How do you pay for purchases at Costco?
- 5. Customs
- Consider the costs of cashing out your 401(k)
- More about Gerber
- Is a backdoor Roth IRA worth it?
- How to file Form 4868
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- 5. Buy your policies and schedule recurring reviews
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- 6. Interest is completely avoidable, too
- When are New York state income taxes due?
- ONE VIP Visa Prepaid Card
- Is it worth it?
- Know your rights
- How good credit references can make your life better
- 5. Automatic seat belts
- Shop around
- How much should I spend each month?
- How it all works together
- 7. Start a blog
- Average certificate of deposit rate: 1.81% for one-year CDs
- LLC payroll taxes
- Pick a savings goal
- Travelers home insurance rates
- Ways to get the best home equity loan rates
- 9. Build credit early
- 3. Run the numbers
- Find discounts on shows
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- Other factors
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- How to increase your pre-qualification amount
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- Fraud alert vs. credit freeze — which should I choose?
- Buying a call option vs. owning the stock
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- How can I get more value from my Hyatt points?
- 4. You can shop instantly after you are approved for the card
- Our pairing for: Families
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- What are fleet cards?
- Best California car insurance for ease of use: State Farm
- Earned wage access vs. cash advance apps
- How to apply online for Global Entry
- 5. You might not be eligible for the offer
- What plans are best for seniors?
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- 3. Get disability and life insurance
- What is the Medicare donut hole in 2024?
- Where to get a loan to buy a business
- Alternatives to savings accounts
- 4. Refinance your loans
- Alternatives to credit card stacking
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- What you can do
- 2. Certificates of deposit
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- How to find the 2024 W-4
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- Minimum wage increases
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- 5. Promotional offers may occasionally be available
- How can you make more money with DoorDash?
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- 6. You have too many recent hard inquiries or new accounts
- 8. Hyatt Regency Grand Cypress (World of Hyatt)
- 8. Game on Twitch
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- IRAs
- 10. Use credit cards strategically
- 10. Apply at your bank or credit union
- 5. Student Aid Index (SAI) replaces EFC
- Avoid the student loan scammers
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- Strategies for keeping your credit utilization low
- 5. Reward redemption options are limited
- Buy Medigap Plan N during Medigap open enrollment
- Capital One Venture Rewards Credit Card rental car insurance, recapped
- Customer support
- 7. You can — and should! — pay more than the minimum
- 4. Klarna
- 6. Inspect and test-drive the car, if applicable
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- How did we determine the value of United miles?
- Growth stocks vs. dividend stocks
- What’s not covered
- The bottom line
- Summary of balance transfer cards vs. personal loans
- Recent strikes
- Tips to find cheap flights any day of the week
- How to reduce or avoid the federal estate tax
- How do you get out of the Medicare donut hole?
- Choose a bank that meets your needs
- Why did First Republic Bank fail?
- Next Steps:
- Do free and cheap things
- Is a Costco membership worth it?
- 6. High-yield checking accounts
- Still not sure which budget system is best for you?
- 2023 state income tax rates and brackets
- Churners beware
- What do the approvals mean for Bitcoin?
- Be mindful of how much you borrow
- What is the cost of filing Form 4868?
- If you're considering booking Delta Air Lines premium economy
- Is a robo-advisor a fiduciary?
- Getting the most from your pre-qualification limit
- Step 4: Gather loan documents
- Home equity takes time to build
- Ready to get started?
- OpenCart: Best online shopping cart to add to an existing website
- Why some cars cost more to insure
- Stick to your price range and priorities
- How to find AI ETFs
- 5. It can be expensive to carry a balance
- How do fleet cards work?
- Reasons to get a credit card
- What is the median household income in the U.S.?
- How to compare home insurance quotes
- 6. You might not get approved for as much credit as you need
- Is it time for you to switch to a better plan?
- Before you apply for a credit card
- The catch: Your health plan's network
- 5 things to know about Arizona state income tax
- 9. Sell photography
- 10 ways to spot IRS scams and impersonators
- EveryDollar, for simple zero-based budgeting
- 3 tips to control central air conditioning installation costs
- The bottom line
- Discounts
- 11. Establish your local supermarket circuit
- How much can you borrow with a home equity loan?
- How much does it cost to refinance a mortgage?
- How to incorporate market cap in your portfolio
- What is hyperinflation?
- Piggyback loan pros and cons
- Other ways to pay less
- How to use a Hyatt free night award
- Best for extra benefits: Anthem Medicare Supplement Insurance
- Will a credit freeze or fraud alert hurt my credit score?
- Minimum vs. full coverage after a speeding ticket
- Our pairing for: Everyday purchases
- How much should you put down on a house?
- If you’re debating when to book your hotel
- Ways to build your credit
- Preparer tax identification number (PTIN)
- 5. Use collateral to secure the loan
- Marriott Bonvoy's exclusive transfer partners
- How do I get a FICO score?
- Tips to consolidate your debt successfully
- 9. Hyatt Regency Orlando International Airport (World of Hyatt)
- Who counts as a qualifying child for the earned income credit?
- Know that online-only banks are a secure option
- What's next?
- June
- 2024 lifetime gift tax exemption
- 6. Pell Grant award expands
- How do you buy 10-year Treasury notes?
- HELOC alternatives
- Some helpful links from the IRS
- Do I have to update my W-4 every year?
- Ex-dividend dates
- 8. Paying late comes at a high cost
- You don’t need to have $10,000 to take advantage of compound interest
- How did we determine the Hyatt points value?
- Full list of the top auto insurance companies in California
- Should I get Airbnb travel insurance?
- If you're considering World of Hyatt Credit Card
- Do you ever need to change your EIN?
- Next steps
- 7. You lack a Social Security number or ITIN
- If you inherit or bequeath something, watch out for capital gains tax
- Is there any insurance that covers the donut hole?
- How to get a construction loan
- More about buying life insurance as a senior
- 12. Consider a wholesale membership
- How to protect against inflation
- The bottom line
- When should you freeze your credit?
- 3. Bonds
- Have your friend hold their own The Platinum Card® from American Express
- Other home office deduction rules and considerations
- What is New York state's standard deduction?
- 7. The usefulness of a 0% deal depends on your habits
- Final thoughts on Qatar economy class
- 10. Pet sit
- Cheaper ways to send money
- LLC self-employment taxes
- Tips for calculating how much life insurance you need
- Closing costs for the buyer
- Calculating capital gains tax on a home sale
- Working from home tips
- Lodge a student loan complaint
- How to earn Avis Preferred Points
- How to fill out Form 4868
- Compare alternative plans
- Types of halal investments
- Summary of pros and cons of personal loan lenders
- How much do life insurance policies cost?
- 7. Determine which warranties are right for you
- If you want to score discounted Delta flights
- Find the best homeowners insurance in your state
- How to get a loan from a credit union
- Choose the best flood insurance company
- 3. SEP IRA
- But what if I really do owe the IRS money?
- Are there ways to avoid the Medicare Part D donut hole?
- Make the switch, if necessary
- Consumer complaints
- Home equity loan requirements
- Why did Silicon Valley Bank fail?
- Do you pay tax on T-notes?
- How long does it take to get pre-qualified for a mortgage?
- Standard deduction for dependents
- Can I have a fraud alert and a credit freeze?
- What is an online shopping cart?
- How to earn more interest in a savings account
- FamZoo Prepaid Card
- Seller-paid closing costs
- 10. Waldorf Astoria Orlando (Hilton Honors)
- 11. Do freelance work
- Can I claim the EITC without a child?
- Where to find the best savings accounts
- How to find the best refinance rates
- How to evaluate dividends
- Frequently asked questions
- How to adjust your Form W-4
- Why do I need a business credit score?
- Choosing between cards? Rewards and perks might make the difference
- How to choose a lender
- How to save on car insurance
- 9. Getting too close to your limit can sink your credit score
- Other considerations to determine your down payment
- 5. PayPal
- Is it worth going to a tax preparer?
- 6. Find the right lender
- Marriott Bonvoy transfer partners to avoid
- Fees to check in and obtain your boarding pass for your Spirit flight
- 8. You don't have a banking relationship
- Is the Medicare donut hole going away in 2024?
- Average money market account rate: 0.66%
- Methodology
- Consumer experience
- 13. Look at the price per unit
- Term vs. whole life insurance tool
- Market capitalization vs. float-adjusted market cap
- July
- Next Steps
- 4. Keep these things in mind
- Who pays the gift tax?
- Work from home job scams
- Piggyback loan alternatives
- Cost of life insurance without a medical exam
- Cons of a credit freeze
- What do the approvals mean for other crypto investments?
- Build a CD ladder to bridge the gap
- Could we be in an AI bubble?
- Am I a resident for New York state income tax purposes?
- Should you get a secured or unsecured personal loan?
- Costs of carrying a credit card
- Should you get a Credit One or Capital One credit card?
- What if you lose your EIN?
- NerdWallet home insurance calculator methodology
- How much is mobile home insurance?
- Retirement accounts for small-business owners and self-employed individuals
- How to finance central air installation
- LLC sales taxes
- Next steps
- 7. Application available in more languages
- What are the disadvantages of sole proprietorship?
- Are these the best dividend stocks?
- How to redeem Avis Preferred Points
- Get bonus United miles when you transfer Marriott points
- Best for nationwide availability: Blue Cross Blue Shield Medicare Supplement Insurance
- The complete list of dividend aristocrats
- Step 5: Submit your application and get funded
- Selling a call option
- The bottom line
- Doing the math on copays, coinsurance and deductibles
- If you want to stay at non-Disney resorts in Orlando
- How to report IRS scams
- How to claim the earned income tax credit
- Are home equity loans a good idea?
- Do you pay taxes when you receive a gift?
- Should you choose an LLC or a sole proprietorship?
- 2024 state income tax rates and brackets
- Where to download Form 4868
- How do I get my business credit score?
- When can't you take the standard deduction?
- Types of online shopping carts
- 10. Dealing with credit card fraud isn’t as difficult as it sounds
- Other ways to sell clothes online
- Fleet fuel cards: benefits and drawbacks
- 8. Negotiate the best price
- Credit union vs. online lender
- 9. You violated an issuer’s internal rule
- 12. Create a podcast
- Market capitalization vs. enterprise value
- What’s not covered by USAA travel insurance
- Empower Personal Dashboard, for tracking wealth and spending
- Refinancing a mortgage, step by step
- How much money can you make on YouTube?
- Home shopping tips
- 8. Fewer questions
- Will you owe capital gains taxes on your home sale?
- Credit freeze or credit lock?
- Other closed-loop cruises
- Is Global Entry worth it?
- What's the difference between a CPA and a tax preparer?
- What's next
- Fees to select a seat ahead of time
- 13. Become a rideshare or delivery driver
- Travelers vs. competitors
- 14. Understand sale cycles
- August
- Compare the income-driven plans
- Is the gift tax deductible?
- Why did Signature Bank fail?
- Hyatt Pay My Way
- LLC tax forms and deadlines
- Where to mail Form 4868
- Lounge benefits
- Is the $195 annual fee to add an authorized user worth it?
- How much is my 2023 standard deduction?
- 6. Sezzle
- Greenlight Prepaid Mastercard
- Cards that earn American Express Membership Rewards points
- Consequences of an EIC-related error
- How much is the gift tax rate?
- 9. You can list more colleges
- How to avoid capital gains tax on home sales
- Average cost of life insurance by term length
- How to get a USAA travel insurance plan
- Who can access your frozen credit reports?
- Find the Hyatt that's best for you
- Medigap plan types
- 11. If you’re rejected for a credit card, the issuer will tell you why
- Compare top-rated life insurance companies
- Important considerations when opening a Roth IRA
- How to sell clothes online
- Tips for effective credit card use
- Other ways to cover gender-affirming care costs
- 9. Maximize trade-in value, if applicable
- Ways kid creators can earn online
- What should you do if your credit card application is denied?
- 14. Tutor
- The difference between interest rate and APY
- How to earn other travel rewards through your Avis car rental
- Manufactured and mobile home insurance companies
- Should I choose a home equity loan, HELOC, or cash-out refinance?
- Compare insurance rates by driver history
- Starting a landscaping business: The economics
- If you want to cruise to the Bahamas
- If you want to join an airline loyalty program
- Should you invest in AI stocks?
- After deciding
- Fuel card vs. business gas credit card
- Which small business internet service is right for you?
- If you’d like to get a Founderscard membership
- Next steps
- Earn an audience, and earn more in the long run
- September
- What’s happening with Silvergate Capital Corp.?
- Additional resources for people previously convicted of a felony
- If you want to leverage Marriott’s transfer partners ...
- 4. SIMPLE IRA
- Fees for in-flight refreshments
- Are dividends taxed?
- 10. Sibling discount removed
- Don’t forget about the Form 4868 deadline
- Hotel-friendly benefits
- How to choose an online shopping cart
- 10. Make the purchase
- 15. Rent out items
- Can I still get a past year's earned income tax credit?
- LLC tax tips for business owners
- Common gift tax return triggers
- What to consider before buying altcoins
- What happened to Credit Suisse?
- How to get maximum value from Hyatt free night awards
- Top off your Marriott Bonvoy account with United miles
- 2023 vs. 2024 standard deduction
- Find the best life insurance policy for you
- Next steps
- Keeping the Undeposited Funds account accurate
- 7. Zip
- Home insurance quote comparison example
- What is credit card consolidation?
- In-cabin pet fee
- 16. Use cash back apps
- Other ways to make money
- 4. Money market funds
- W-4 calculator
- Why call options can make sense
- Walmart MoneyCard
- Early retirement calculator
- PocketGuard, for a simplified budgeting snapshot
- How the FDIC calculates national rates
- The bottom line
- October
- How taxes on real estate, rental, and investment sales work
- When to claim the standard deduction
- Additional tips: Compare and plan
- Tips for making money as a kid
- Understanding life insurance quotes
- Does your business need a fleet fuel card?
- How does credit card consolidation work?
- Priority boarding and security access
- Is stock picking right for you?
- Are other banks are in trouble?
- Should you choose hotel and airline rewards over Avis Preferred Points?
- The bottom line
- Is holding two separate cards worth the combined $1,390 in fees?
- Potential strikes ahead
- What else to know about Form W-4
- How to get business capital
- What to know before shopping for car insurance quotes.
- Is there an over-55 home sale exemption?
- The bottom line
- Unaccompanied minor fees
- November
- Should I take my money out of the bank?
- 5. Mutual funds
- NYC income tax rates
- Frequently asked questions
- Final thoughts on the United-Marriott status match
- Services
- Compare buy now, pay later apps
- Is consolidating credit card debt a good idea?
- Striking worker totals increased by 141% in 2023
- The bottom line
- Other cards that offer Centurion Lounge access
- Should you use a buy now, pay later app?
- Chase Sapphire Reserve vs. AmEx Platinum: Minor features to consider
- 5. Defined benefit plan
- Best stocks for beginners
- Bundle packages
- Home purchasing tips
- Are we in a recession?
- Which homeowners insurance companies should I consider?
- Can I still use my credit card after debt consolidation?
- 6. Index funds
- Low-fee alternatives to prepaid cards
- Honeydue, for budgeting with a partner
- December
- Credit cards for dining
- The best way to bring guests into Centurion Lounges
- The bottom line
- Closing costs for the seller
- Do I need additional travel insurance?
- Are we headed for a depression?
- How to find the best mobile home insurance
- The bottom line on investing in stocks
- Cheapest car insurance by state
- The bottom line
- 6 things to know about New York state income tax
- How much does home insurance cost?
- Prepaid-like options from fintechs: Apple Cash and Cash App
- What goes into a homeowners insurance quote?
- Where to open a retirement plan if you’re self-employed
- Budgeting resources from NerdWallet
- How to make money from home
- Alternatives to buy now, pay later
- Alternatives to the best whole life insurance
- 7. Exchange-traded funds
- Who might prefer AmEx Platinum over Chase Sapphire Reserve
- Fees across U.S. airlines
- Cards with travel insurance, recapped
- How to get cheap car insurance
- More about whole life insurance
- The bottom line
- Airline credit cards
- Methodology to identify the best budget apps
- Access to unique experiences
- 8. Stocks
- Risks of getting cheap auto insurance
- Best prepaid debit cards: Summary of fees and ATMs
- How to get a cheap homeowners insurance quote
- What are prepaid debit cards?
- More about top-rated life insurance companies
- How to get the cheapest car insurance quote possible
- Other ways to earn American Express Membership Rewards points
- Prepaid debit cards vs. regular debit cards
- Convenient features
- How to make money offline
- How to find the right business idea for your small town
- The fine print
- Frequently asked questions about prepaid cards
- 9. Alternative investments
- 10. Cryptocurrency
- Hotel credit cards
- How to choose a startup idea
- Full list of the best car insurance companies
- Full list of the best car insurance companies
- Protections
- How to compare car insurance rates
- Retail and travel
- The bottom line
- 11. Real estate
- Best car insurance companies by state
- Best car insurance companies by state
- Store credit cards
- How to start a profitable business
- How to choose the best investments in 2024
- How to find the best car insurance
- How to find the best car insurance
- Emergency services: Assistance 24 hours a day
- Options with more style than substance
- More about the card
- How to choose an insurance company
- Watch out for making money scams
- Learn more about personal finance
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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