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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
- Life insurance buying guide
- » Masterpass is no longer offered
- See CD rates by term and type
- 6 steps to opening a Roth IRA
- What is a financial plan?
- What is innocent spouse relief?
- Find the right Medicare Supplement Insurance plan
- Still deciding on the right carrier? Compare Medigap plans
- Mortgage rates today: Thursday, April 18, 2024
- What is a lady bird deed?
- Find the right Medicare Advantage plan
- See how to get your business started quickly
- What are undervalued stocks?
- » This offer has expired
- What is a home equity line of credit?
- What is a budget planner?
- What is modified adjusted gross income (MAGI)?
- About UnitedHealthcare
- Compare Medicare Advantage providers
- Quickbooks Online
- Xero
- FreshBooks Accounting
- Zoho Books
- What is personal finance?
- What is a W-4?
- Checking account vs. savings account
- What is a secured credit card?
- » This page is out of date
- What is a budget?
- What is IRMAA?
- Compare Medicare Part D plans
- What is mortgage pre-qualification?
- Robinhood is best for:
- Dividend definition
- Learn more about the good credit range
- Can you pay the mortgage with a credit card?
- What is a brokerage account?
- What's an adjustable-rate mortgage?
- What is the average stock market return?
- Ready to get started? Here's what to do next
- Still deciding on the right carrier? Compare Medicare Advantage plans
- What about cash?
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- How to appeal a credit cut
- 2. The romance scam
- What the 15/3 credit hack claims
- Credit cards for kids: Pros and cons
- Why your credit scores might drop
- 3. The gift card scam
- How to safeguard your credit
- Why the 15/3 credit hack is wrong
- 4. The charity scam
- When it might not matter
- Debit cards for kids: Pros and cons
- What’s the truth?
- 5. The lottery scam
- Why an issuer might reduce your credit limit
- How to minimize damage and recover from a scam
- How to minimize the chance of a cut
- Credit utilization ratio details
- What really helps your credit score
- 7 stock tips for beginner investors
- What is a credit freeze?
- What is margin trading?
- Determining how much mortgage I can afford
- Why we overspend
- About Nationwide home insurance
- About Chubb home insurance
- How to buy stocks in 6 steps
- What is withholding tax?
- What is a spot Bitcoin ETF?
- Yield curve definition
- What are dividend stocks?
- About Embrace pet insurance
- What is inflation?
- 1. Which type of mortgage is best for me?
- Top-rated low-cost index funds
- Roth IRA taxes
- Who is eligible to contribute to a Roth IRA?
- High-dividend ETFs may generate income
- How much does HBO Max cost per month?
- Key takeaways:
- 1. Determine how much to save for a down payment
- Benefits
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- Best-performing gold ETFs
- Snapshot comparison
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- How to use this calculator
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- How to make money in stocks
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- What is curb appeal and why is it important?
- What is YouTube Premium?
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- States with no income tax
- 7 of the best apps to make money
- How much is a speeding ticket in California?
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- Free financial advice
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- 7 best-performing AI stocks
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- Food and drink
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- Where can you work as a Dasher?
- Why is personal finance important?
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- Mortgage options
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- Getting ready
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- Frugal food tips
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- When are taxes due in 2024?
- Using your maiden name on a passport
- January
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- 1. Start investing as early as possible
- The best budget apps
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- Life insurance calculator
- Checks from your bank
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- Most profitable small businesses
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- 1. Set your budget
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- Compare the best CD accounts
- 4. Pick an investment strategy
- Earning Avios with partners
- How did we determine the value of United miles?
- Writing call options vs. writing put options
- Unaccompanied minor fee
- You’ve got money left over for savings
- Be prepared for your CD’s maturity
- 6. Inspect and test-drive the car, if applicable
- How the 9 states with no income tax stack up
- Amenities
- If you're considering the Hilton Honors program
- Consider alternatives
- When to get a CD
- How to buy physical silver
- Dividend tax rate 2024
- IRAs
- How long could the strikes last?
- How to give two weeks’ notice
- What other projects are eligible for the residential clean energy credit?
- How to use a secured credit card to build credit
- Ways to lower your DTI ratio
- Bottom line
- Credit unions and banks that don’t require Social Security numbers to open an account
- Brokerage accounts are taxable accounts
- Best Michigan auto insurance for ease of use: State Farm
- Credit card spending still has many positives
- Transfer points for more value
- Credit cards help build credit
- What is net investment income tax?
- Other ways to cut wire-transfer costs
- Average cost of whole life insurance by age
- How often and when to rebalance your portfolio
- Ready to get started?
- 5. It also comes with an annual vacation credit
- Best North Carolina car insurance for ease of use: State Farm
- 10. Making the check out to the wrong entity
- How to hold down hardwood flooring costs
- What if you already have a deferred-interest card?
- What next steps should I take?
- How do fleet cards work?
- Consumer experience
- Why did First Republic Bank fail?
- The importance of tax withholding
- Another benefit of having an auto loan co-signer or co-borrower
- 6. High-yield checking accounts
- What do the approvals mean for Bitcoin?
- Petal® 2 "Cash Back, No Fees" Visa® Credit Card
- Start taking Instacart jobs
- 7. Do you charge for an interest rate lock?
- Buy Medigap Plan G during Medigap open enrollment
- Day trading risk management
- Full list of the best homeowners insurance in Arkansas
- What part of my income gets taxed by California?
- How did we determine the value of American miles?
- Considerations to make before booking a cheap cruise
- Still not sure which budget system is best for you?
- How to find AI ETFs
- Is a Costco membership worth it?
- 2023 state income tax rates and brackets
- Do you tip concierge?
- Step 4: Gather loan documents
- What makes a good investment property?
- How to pick the best accounting software for your consulting business
- Which card is right for you?
- Expand your options to Disney-area hotels
- How do I grow my home's equity?
- How do I find out if the Medicare IRMAA applies to me?
- Getting the most from your pre-qualification limit
- What else you need to know
- Tips to find cheap flights any day of the week
- The best time to visit Hawaii vs. the Bahamas
- Fees
- What is the median household income in the U.S.?
- What to look for in a balance transfer card
- Check your credit if your federal loan servicer is Great Lakes
- What factors impact your credit scores?
- Day-trading Bitcoin
- What to expect: Delta Comfort Plus
- 3 tips to control central air conditioning installation costs
- How to stop spending money online
- EveryDollar, for simple zero-based budgeting
- Do the Upgrade cards report to U.S. credit bureaus?
- What apps let you buy now, pay later?
- Best for extra benefits: Anthem Medicare Supplement Insurance
- HELOC requirements
- How do you buy Vanguard Index fund shares?
- What is hyperinflation?
- The best homeowners insurance in Washington, D.C.
- Full list of the best home insurance companies in Texas
- 4. Citibank: $1.01 trillion
- Are credit scores from all major bureaus the same?
- Minimum vs. full coverage after a speeding ticket
- Close your old account, if needed
- The drawbacks of whole life insurance as an investment
- How to redeem ANA Mileage Club miles
- Federal student loan consolidation
- How are gas prices determined?
- Is accounts receivable financing a good idea?
- 5. Failure to report Bitcoin can be costly
- How much supplemental life insurance do you need?
- The bottom line
- Where's my 2024 state tax refund? Track your status
- 4. Varo: Best for existing bank customers
- Available Medicare Advantage plans
- How to calculate your monthly payment
- Options for Parent PLUS borrowers
- Is a credit-builder loan good for my situation?
- What is bad credit?
- Discounts
- What you can do if you have credit card debt
- Consumer takeaways
- How can you take the guesswork out of tipping?
- Use a co-signer
- How do you buy 10-year Treasury notes?
- What's the tax filing deadline for my Georgia state income tax bill?
- Days in the cycle
- You don’t need to have $10,000 to take advantage of compound interest
- Compare the best checking accounts
- For the uninsured
- June
- Is APY variable?
- Mutual fund fees
- When undervalued stocks become popular
- Who qualifies for the SAVE plan?
- Understanding forex lot sizes
- The cons
- Who should get a home equity loan
- How to pick seats on Alaska
- How to open a CD
- Does silver diversify your portfolio?
- How to report dividend income on your taxes
- 2024 lifetime gift tax exemption
- Do I have to update my W-4 every year?
- How fast does a secured card build credit?
- Using miles to fly first class
- 3 investing myths
- Ex-dividend dates
- 11. Scrimping on stamps
- Which type of travel credit card is right for you?
- Discounts
- When should you freeze your credit?
- Elite benefits on partner flights
- Nationwide home insurance rates
- Pet travel fee
- What not to do
- 5. Purchase protection and extended warranty
- How to protect against inflation
- 8. Will I have to pay mortgage insurance?
- Is Plan G the best Medicare Supplement Insurance plan?
- The long strangle
- What is New York state's standard deduction?
- How do you claim the solar tax credit?
- How to get a construction loan
- Should you pay your mortgage with a credit card?
- How much is hurricane insurance?
- When not to use a credit card
- How to pay lower taxes when selling stocks
- What are the fees for an IRS payment plan?
- What can be done?
- More about buying life insurance as a senior
- The case for DIY
- 3. Bonds
- Final thoughts on Qatar economy class
- Find the best homeowners insurance in your state
- What else makes the Upgrade cards unique?
- How to get a loan from a credit union
- Tips for calculating how much life insurance you need
- Bottom line
- LLC self-employment taxes
- How to get a home equity line of credit
- 7. Determine which warranties are right for you
- What’s not covered
- Am I a resident for California state tax purposes?
- Additional benefits
- Additional cruise expenses to plan for, beyond the base price
- CD vs. savings account
- Redemptions to avoid
- Final thoughts on hotel tipping
- Closing costs for the buyer
- 5. Postpone payments during residency
- Power and lighting
- Full list of the best auto insurance companies in Michigan
- How to get a tax refund sooner
- Cheaper ways to send money
- Best Android personal expense tracker apps
- Full list of the best car insurance in New Jersey
- Full list of the best car insurance companies in North Carolina
- Electronics
- Do you pay tax on T-notes?
- How to earn more interest in a savings account
- Compare the best banks, credit unions and cash management accounts
- When will I get my refund?
- The bottom line
- Why did Silicon Valley Bank fail?
- How to change your Southwest companion
- Willing to spend time to maximize rewards? Go with the Chase Freedom Flex℠
- How do Instacart shoppers get paid?
- How to pay estimated taxes
- Bottom line: Is day trading right for you?
- How much does homeowners insurance cost in Washington, D.C.?
- How much does homeowners insurance cost in Texas?
- Online travel agencies can be hit or miss
- How much does homeowners insurance cost in Arkansas?
- Who should get a HELOC
- How to control your dividend tax bill
- Are interest rates fixed on savings and checking accounts?
- How do I pay the Medicare IRMAA surcharge?
- How long does it take to get pre-qualified for a mortgage?
- Bonus: Giving up
- Consumer complaints
- Become an authorized user
- How to make money trading forex
- Where to find the best savings accounts
- 5. U.S. Bank: $646.73 billion
- How can I check my credit reports?
- Who benefits from the cash stuffing envelope system
- Small business loans to NYC businesses: Online lenders
- What to do with the Bitcoin you buy
- Finding a car you can afford
- How to adjust your Form W-4
- Why do I need a business credit score?
- United Airlines flight delay compensation recapped
- How to evaluate dividends
- What's next?
- Brokerage accounts vs. IRA
- How to use United TravelBank
- Third-party ratings
- Consumer complaints
- Next Steps
- What's next?
- Cons of a credit freeze
- NerdWallet home insurance calculator methodology
- July
- Chase transfer partners to avoid
- 5. Understand your investment options
- Other home insurance companies to consider
- Fees across U.S. airlines
- Term vs. whole life insurance tool
- Average money market account rate: 0.66%
- What do the approvals mean for other crypto investments?
- Upgrade Cash Rewards Visa®
- What are the best Vanguard index funds?
- Which type of life insurance should I put in a trust?
- Are these the best dividend stocks?
- Using your credit card for rental car coverage
- Could we be in an AI bubble?
- CD vs. bond
- Am I a resident for New York state income tax purposes?
- Who pays the gift tax?
- Is two weeks’ notice required?
- Does the solar tax credit work with other incentives?
- More ARM terms to know
- What is the average and median retirement savings?
- Cost of life insurance without a medical exam
- If you're wondering what to do with your mail while on vacation …
- How to track your Georgia state tax refund
- How to finance central air installation
- Compare the best bank accounts for students and kids
- If you fly Virgin America first class
- Discounts
- U.S. Bank Cash+® Visa Signature® Card
- Next steps
- Best for nationwide availability: Blue Cross Blue Shield Medicare Supplement Insurance
- Can you lose money in mutual funds?
- LLC sales taxes
- How to apply for the SAVE plan
- How much can you borrow with a HELOC?
- UHC Medicare Advantage plan types
- Step 5: Submit your application and get funded
- Retirement accounts for small-business owners and self-employed individuals
- Could I lose my money in a checking or savings account if the bank fails?
- Types of gas
- If you need to change a Delta flight
- Buying life insurance outside work
- The complete list of dividend aristocrats
- 5. Dave: Best for repayment flexibility
- Why you can trust NerdWallet
- Consumer experience
- Fleet fuel cards: benefits and drawbacks
- The bottom line
- U.S. Bank Cash+® Visa Signature® Card
- Credit union vs. online lender
- Using your leverage
- 8. Negotiate the best price
- Embrace coverage options
- 9. What will my monthly payment be?
- Your readiness to buy a home
- 2024 state income tax rates and brackets
- Take advantage of military travel discounts
- Do you pay taxes when you receive a gift?
- How do I get my business credit score?
- Tips for buying hurricane coverage
- Max out the food delivery perks
- Should you choose an LLC or a sole proprietorship?
- Factors that don’t affect your credit scores
- What about Bitcoin mining?
- Summary of the best banks and credit unions of 2024
- Tax Day resources
- Traveling with a maiden name on passport recapped
- Best ways to earn Chase points
- The bottom line
- Frequently asked questions about estimated tax payments
- The cheapest home insurance in Washington, D.C.
- Average cost of homeowners insurance in Texas by city
- Average cost of homeowners insurance in Arkansas by city
- Types of CD strategies
- How to consolidate federal loans
- How to improve credit after a car repossession
- Resources for LGBTQ+ businesses
- So, is flying first class worth it?
- You can refinance an ARM
- Why investing is important
- Risks to consider
- How much money can you make on YouTube?
- Credit freeze or credit lock?
- Empower Personal Dashboard, for tracking wealth and spending
- Costs of starting an LLC in Texas
- How to add a companion to an existing Southwest reservation
- What if I see a mistake on my report?
- Calculating MAGI: Example
- Should I have my checking and savings accounts at the same bank?
- The Bahamas vs. Hawaii honeymoon destination
- How do I make changes to an IRS installment agreement?
- Avoid entrepreneurial pitfalls
- 2024 Georgia state income tax changes
- August
- Should you try options trading?
- Alternatives to buy now, pay later
- Why did Signature Bank fail?
- When is the SAVE plan available?
- What is no-exam life insurance?
- 10. Do you have an origination fee?
- 6. PNC Bank: $551.13 billion
- Buying rental car insurance on your own
- If you want to maximize your Chase Ultimate Rewards® ...
- Is the gift tax deductible?
- Can I appeal the Medicare IRMAA if I don't think it applies to me?
- Avoid other redemption options
- SCAN Health Plan Medicare Advantage service area
- How to improve your credit
- Consumer complaints
- LLC tax forms and deadlines
- Why not both?
- Restrictions and waiting periods
- The bottom line
- The synthetic long
- If you want to stay at a Disney hotel for cheap
- Using travel rewards for the family requires a mindset shift
- What happens to a 720 score with a late payment?
- How much does supplemental life insurance cost?
- Is United TravelBank worth it?
- Basic economy
- Get credit for the bills you pay
- Who can access your frozen credit reports?
- Important considerations when opening a Roth IRA
- Medigap plan types
- Who can form an LLC in Texas?
- Discover it® Secured Credit Card
- 9. Maximize trade-in value, if applicable
- What to know about Washington, D.C., homeowners insurance
- The cheapest home insurance in Texas
- The cheapest home insurance in Arkansas
- Third-party ratings
- How much is the gift tax rate?
- Types of stock charts and how to read them
- Final thoughts on the different United economy fare classes
- The bottom line
- 6. MoneyLion: Best for existing customers
- Average cost of life insurance by term length
- About SCAN Health Plan
- Can I apply for an IRS payment plan myself?
- 3 things to know about Georgia state tax
- How to make these changes last
- Consumer experience
- The difference between interest rate and APY
- Forex trading vs. stock trading
- 11. What other costs will I pay at closing?
- What else do credit bureaus do?
- Last-minute cruises may not be for you if …
- Should you invest in AI stocks?
- Alaska Airlines seat selection recapped
- What are CD rates right now?
- Other ways to save on your theme park vacation
- What homeowners insurance won't cover
- Why are California gas prices so high?
- Capitalize on other travel perks
- Summary: 2021 New Mexico MFA first-time home buyer programs
- Hawaii vs. the Bahamas: Which is the better choice?
- Additional help
- Compare insurance rates by driver history
- Fuel card vs. business gas credit card
- Next steps
- Options trading examples
- Is getting a HELOC a good idea?
- Embrace pet insurance rates
- Starting a landscaping business: The economics
- After deciding
- Redeem JetBlue points for cash with Points Payback
- SCAN Health Plan customer service
- Never done it before? Here's what to consider
- State Farm vs. competitors
- How can credit cards and elite status improve your overall experience?
- Earn an audience, and earn more in the long run
- September
- What’s happening with Silvergate Capital Corp.?
- Alternatives to no medical exam life insurance
- 12. How — and how often — will I be updated on the loan’s progress?
- Service
- The bottom line
- How can I check and monitor my credit?
- Types of financial planning help
- 10. Make the purchase
- 7. Goldman Sachs: $463.99 billion
- What to know about Arkansas homeowners insurance
- Are dividends taxed?
- Key factors to consider before buying supplemental life insurance
- Team it with a different card
- If you're ready to start a budget
- Use your credit card for Priority Pass lounge access
- Other home insurance companies to consider
- Redeeming through the Chase's travel portal
- What happened to Credit Suisse?
- LLC tax tips for business owners
- 13. Do I have to sign all the paperwork in person?
- What to know about Texas homeowners insurance
- Stay at a Marriott beach resort with points
- Last-minute cruise deals recapped
- What are promotional CD rates?
- Common gift tax return triggers
- Who should avoid JetBlue Airlines?
- Practice good credit habits
- Nationwide vs. competitors
- More about buying life insurance as a senior
- California state tax credits
- More about whole life insurance
- If you love Disney but can’t always afford it, you have alternatives
- Other types of mortgage loans
- Next steps
- When do you file Schedule E?
- 7. SoLo Funds: Best for peer-to-peer cash advances
- Other ways to make money
- Bonus: How to add a Known Traveler Number to your Southwest flight
- Mission Lane Visa® Credit Card
- How to access American Airlines Admirals Clubs
- Small-business incubator programs
- W-4 calculator
- 4. Money market funds
- October
- PocketGuard, for a simplified budgeting snapshot
- Other changes to income-driven repayment in the works
- How the FDIC calculates national rates
- 8. Truist Bank: $534.93 billion
- Apparel and shoes
- Donate JetBlue points
- How ANA elite status works
- Does the president control gas prices?
- If you’re considering flying JetBlue
- Does your business need a fleet fuel card?
- Discounts
- 14. How long until my loan closes?
- Car rental insurance: The bottom line
- Investing
- Modified adjusted gross income: The bottom line
- Cheapest for 30-year-old drivers
- If you want to transfer Chase points
- U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
- Are other banks are in trouble?
- Why trade options?
- Is it better to get a home equity loan or line of credit?
- Financing your franchise
- Washington, D.C., insurance department
- Bank of America® Customized Cash Rewards credit card
- More about top-rated life insurance companies
- UnitedHealthcare Medicare service area
- JetBlue Vacations
- What else to know about Form W-4
- First-time home buyer programs near Florida
- Loyalty program
- The bottom line on investing for beginners
- Final notes to adding a companion on a Southwest flight
- Looking for more insurance in Washington, D.C.?
- The newly "reimagined" American Airlines Admirals Club, recapped
- Bahamas cruise prices recapped
- How does the Israel-Hamas war affect gas prices?
- Where to get Schedule E
- 8. Klover: Best for no-fee advances
- More about the pros
- If you’re considering an upgrade from Delta Comfort Plus to Premium Select
- Alternatives to whole life insurance
- Check your credit scores and reports
- November
- Should I take my money out of the bank?
- NYC income tax rates
- 5. Mutual funds
- What to do if you can’t keep up with your HELOC payments
- Prosper® Card
- OK, what's next?
- 9. Capital One: $468.23 billion
- Alternatives to startup business grants
- National first-time home buyer programs to consider
- How to redeem rewards on the Chase Sapphire Reserve®
- Choose the best Delta credit card offer for you
- More about buying life insurance with a health condition
- The bottom line
- Consumer experience
- Best stocks for beginners
- The bottom line
- Why is financial planning important?
- Saving for college can mean using multiple accounts
- Other life insurance options for seniors
- Are we in a recession?
- The bottom line on how to read stock charts
- Schedule E vs. Schedule C
- If you travel to Dallas-Fort Worth
- Mortgages
- Arkansas insurance department
- Alternatives to small-business grants
- 6. Index funds
- Tips when writing your market analysis
- More about whole life insurance
- December
- Honeydue, for budgeting with a partner
- 10. TD Bank: $366.25 billion
- UnitedHealthcare customer service
- Does homeowners insurance cover ... ?
- Pros and cons of loan apps
- Industry franchise guides
- More about buying life insurance as a senior
- The bottom line
- Capital One QuicksilverOne Cash Rewards Credit Card
- Embrace vs. competitors
- Looking for more insurance in Arkansas?
- How to track your California state refund
- Closing costs for the seller
- The bottom line on investing in stocks
- Are we headed for a depression?
- Prime Visa
- Cheapest car insurance by state
- Texas Department of Insurance
- 6 things to know about New York state income tax
- How to collect JetBlue miles quickly
- Types of homeowners insurance policies
- 11. BMO: $260.79 billion
- More about top-rated life insurance companies
- Citi Custom Cash® Card
- Looking for more insurance in Texas?
- California state sales tax
- How to find the best term life insurance company
- Budgeting resources from NerdWallet
- Capital One Platinum Credit Card
- How to make money from home
- Beauty and personal care
- Learn about small-business loans
- 7. Exchange-traded funds
- Why should you write a market analysis?
- 12. Citizens Bank: $224.96 billion
- 5 things to know about California state tax
- What it's like flying ANA
- Business class
- How to get cheap car insurance
- JetBlue travel credits
- Are cash advance apps payday lenders?
- Personal loans
- Methodology to identify the best budget apps
- AvantCard Credit Card
- 13. First Citizens Bank: $213.59 billion
- Are apps like DailyPay and Payactiv cash advance apps?
- 8. Stocks
- Risks of getting cheap auto insurance
- Target Circle™ Credit Card
- More about term life insurance
- The bottom line
- If you fly ANA airlines this year
- How homeowners insurance works
- Alternatives to cash advance apps
- How we review pet insurance
- Who comes out on top?
- Final thoughts
- Cheapest for 40-year-old drivers
- Costco Anywhere Visa® Card by Citi
- Blue Cash Everyday® Card from American Express
- 14. Fifth Third Bank: $211.98 billion
- Student loans
- More about top-rated life insurance companies
- How to make money offline
- 15. M&T Bank: $208.61 billion
- 9. Alternative investments
- Capital One Venture Rewards Credit Card
- Entertainment
- Taxes
- Capital One® Walmart Rewards™ Mastercard®
- 16. Huntington National Bank: $186.36 billion
- Cash advance app star rating methodology
- 10. Cryptocurrency
- Travel rewards
- Apple Card
- How to choose a startup idea
- Full list of the best car insurance companies
- 17. Ally Bank: $185.72 billion
- Get your free birthday stuff and deals
- How to compare car insurance rates
- Bilt World Elite Mastercard® Credit Card
- 11. Real estate
- Best car insurance companies by state
- PlayStation Visa Credit Card
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- 18. KeyBank: $185.57 billion
- How to start a profitable business
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- How to find the best car insurance
- 19. American Express National Bank: $174.80 billion
- How to choose an online business idea
- Cheapest for 50-year-old drivers
- 20. HSBC Bank USA: $161.30 billion
- Best Buy credit cards
- Why you can trust NerdWallet
- Xbox Mastercard
- How to choose an insurance company
- Watch out for making money scams
- Cheapest for 60-year-old drivers
- Cheapest for 70-year-old drivers
- Learn more about personal finance
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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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