Category: Frugal living


10 things frugal people never do!

Living a frugal lifestyle is something that doesn’t come naturally to most of us. Humans are natural consumers; we see something and we are inclined to want it.

As children, we would beg and plead our parents for a toy, only to play with it for a couple of hours and move on.

So being frugal isn’t in our nature, normally, but we can slowly retrain our brains to be more frugal.

Frugality is a complete lifestyle that is totally focused on just living below your means and prioritising things that make you happy instead of things that will make you look cool.



What is frugality?

In a nutshell, frugality is making smart money decisions. That can be as simple as skipping the Starbucks every day, or as extravagant as selling your house to live debt free in a tiny house you built.

If you’re there thinking that I’m going to tell you that the things frugal people don’t do are going to be painful, unattainable, and just ridiculous, you’re wrong.

Life is hard enough. Saving money shouldn’t be. 

It’s really not impossible. Here is a great place to start living frugally and saving money.


The benefits of frugal living

Check out some of these great benefits to frugal living:

  • save money for financial goals
  • stay out of debt
  • be in control of your finances (instead of letting them control you)
  • put money toward retirement
  • save for your kids’ college fund

Over the past year, I’ve learned a lot of about what it means to be super frugal.  Here are 10 things frugal people never do.


10 things frugal people never do

Skip budgeting

The first and most important step toward being more frugal is to have a plan for every penny with a budget. Frugal people will have a plan for their money and understand exactly what they want their money to do for them.

There are so many people who are in poor financial situations who just need to realise how much a simple budget could do to change the outlook on money.

Even just skipping your budget for a few months can put you back years into your overall financial plan. Budgeting is a holy grail for saving money and being more frugal.

A really good first step toward budgeting is to have a written budget (written as in, on paper) that you can use to organise your money.

Related post:

Would you like to know how to create a budget, but don’t know where to start? Then see the post below:



Keep up with the Joneses

How people choose to spend their money is none of my business. It took me some time, but I stopped caring (for the most part) of what others thought of my living space, my purchasing decisions, and my personal life choices.

There was a time that I cared so much of what clothes I wore in fear of being judged. Thinking back, I would always shop before an event or a vacation to avoid appearing to have the same look in pictures.

Shame on me for getting caught up with the endless task of impressing others in the social media world.

Thankfully, that time has passed.

Related posts:

Learn more about what a money mindset is below, and how to achieve one for a happier financial life:



Impulse buy (just because)

Impulse buys can be budget killers. And frugalists know it.

With so much choice around you it can be very tempting to buy. Something, anything. Just because.

Frugal folk have built up their emotional defences. They keep their financial goals in mind.

They know what they are aiming to do with their money and impulse buying isn’t it.

And they employ tactics to stop impulsive buying.


They will use the 30-day rule. They keep themselves focused on strengthening their money habits.

It is much easier to not buy impulsively if you do not put yourself in the position of being confronted with glorious and lovely things.

I choose not to go into some of the loveliest shops, precisely because they are so lovely. I’m frugal but I’m not made of stone.

And pretty things can be tempting, to even the most frugal of folk.

Related posts:

Would you like to know how to set SMART financial goals, but don’t know where to start? Then see the post below:

Would you like to know about money habits? Then see our posts below:



Throw away leftovers

Frugal folk don’t just not throw out leftovers, their aim is to never have any food waste.

They make use of all leftovers and you can too. Leftovers make great lunches for the following day.

Alternatively, you can freeze individual leftover portions for another meal – perfect for busy nights!

When you throw out food you are throwing out your own money. You used your precious, hard earned money to buy that food.

Don’t waste it, eat it!

Did you know we waste up to 30% of the food we buy? I find that statistic so shocking!

If your grocery bill is $/£300 a month, you are effectively wasting $/£90 every month through food waste.

Don’t do it!

Top tip:

Supercooks is a website that helps you re-create recipes from leftovers.

Just list out the ingredients and let SuperCooks tell you what to cook! Never again will you have to stare at those leftovers in the fridge and wonder what to do with it.



Ignore their credit score

A really important part of understanding your money is knowing your credit score. Your credit score is something that can affect everything about your finances.

This number controls how much money people are willing to lend you for things like mortgages, and how high the interest rate will be for those loans.

People who are frugal really understand that your credit score is important and they work hard to keep it high so they can have lower interest rates and save money in the long run.


Carry credit card balances

Frugal people do not like to use credit cards as part of their everyday lifestyle. While some have the discipline to pay the cards off every month in full, others choose to stay far away from credit cards.

I think self-awareness plays a big role in a person’s success with credit cards.

If you know that you’re a spender who has been in debt for years, it’s probably a good time to cut up the cards and pay them off once and for all.

Related post:

Want help with paying credit card debt? Then see the post below:



Hang out with losers.

I love the Jim Rohn quote, “You are the average of the five people you spend the most time with”.

It’s true! At different times in my life, I’ve had to let go of toxic people because I realised, they were not encouraging me to live a better life or to be a better person.


Budget-conscious people are careful who they hang out with. Because for some reason, when you’re frugal and your friends are spenders, they tend to be judgmental and condescending.

That’s why most frugal people hang out with like-minded friends


Buy bottled water

Never mind the impact to the environment of the masses of discarded water bottles.

Frugal folk are not prepared to pay for something they can easily get at home for (basically) free.

If you are a fan of drinking water every day (and why wouldn’t you when it’s great for your health!) then use a reusable water bottle.

It will keep your water much colder than a plastic bottle will.

It’s environmentally friendly and will save you money very quickly with regular use.


Pay for late fees

Bills have to be paid at some point so why delay and pay late fees? Is frugal folk’s way of thinking.

When you don’t have money to splash around the last thing you want to do is spend some of it on late fees because you didn’t get organized.

And even if you do have plenty of spare cash why would you want to waste any of it?

Frugal folk have all their bills automated; insurances, utility bills, mortgage or rent. Even annual payments can be automated.

Tie this in with never having an overdraft and your finances will be in great shape.


They don’t eat out often

Frugal living gurus also know that eating out is a great way to waste their money. Sure, they like to treat themselves and eat out every once in a while, but it’s certainly not a normal occurrence in their lives.

When you can make an equally delicious meal at home for a fraction of the cost of going out to eat, it just makes sense to stay in more often, don’t you think?

This is where meal planning can help you save money – by planning your meals in advance, this way on nights that you’re busy, you can still whip up a quick homemade dinner because you were prepared for it.



10 things frugal people never do – Final thought

I hope that this blog post has taught you that being frugal doesn’t mean you have to entirely deprive yourself of everything you love in life.

It’s about making choices to value things that truly matter to you instead of trying to keep up with the joneses and strangers on the internet.

here are many other things frugal people don’t do, what are some things that you would add to my list?

If you found this post useful, you might want to save THIS PIN below to your Pinterest Frugal Living board for later!




Frugal Habits – Simple Guide!

Today I will be talking about frugal habits.

There’s a big movement towards frugality afoot these days. The wisest families are paying attention to what’s going on in the world.

The rest of the folks are blithely going on as they always have, wondering why on earth they keep spending more money each week at the store.

If you are just beginning to move towards a thriftier lifestyle, you might be looking at the big picture.

You could be asking yourself things like; how can I save money on my car? or how can I pay less for that new laptop?

These are all fine things to do – paying less is great, but shopping for a bargain is actually not the key to a frugal lifestyle.



It’s all about the little habits.

Living a life of thrift and frugality is all about the little habits. It’s about your mindset.

Saving money on enormous expenditures is great, but it is the small daily actions that add up and change your life.

Truly frugal people absolutely LOVE saving money. Embrace these daily habits and make them your own.

You’ll soon see an incredible difference in the way you look at pretty much everything.

Here are 10 frugal habits.


Frugal Habits

Frugal people are cost conscious when they shop

Frugal people work hard at spending their money consciously. This includes techniques such as:

  • Know the prices of things they buy regularly, whether by memorisation or by keeping a list
  • Keeping an eye out for sales on things they use regularly or know they will need in the near future
  • Being willing to buy an item used instead of new if it makes sense

Frugal people work to stay cost conscious by thinking carefully before they buy. For instance, if they need a household item such as a ladder, could they find one on Fb market or Gumtree for cheaper than they would by purchasing new?

Can they wait until an item is on sale before they buy it? Can they borrow the item from a friend or relative if it’s something they’ll only need to use once?


Being cost conscious means thinking carefully before laying down your cash for something, whether it’s a necessity or not.

It involves learning to almost subconsciously ask yourself before every purchase whether or not there is a way you can get the item or experience you are about to spend money on for less.

When it comes to groceries, this might mean menu planning around the sales or using coupons. It might mean buying generic as opposed to buying name brand.

When it comes to entertainment costs such as eating out it might mean only buying the happy hour specials, sharing a meal or finding a 2-for-1 dinner coupon.

Being cost conscious when it comes to vacationing might mean staying at a cheaper hotel or an Airbnb residence that costs less.

It might mean foregoing expensive attractions and taking advantage of the natural scenery at your vacation destination instead.

Cost conscious people work to spend money smarter instead of just for the sake of saving.



They tell themselves no often

People who are successful at being frugal have learned the art of discipline. In other words, they’ve learned how to tell themselves no.

In today’s instant gratification society that can be a tough habit to pin down. Many people have become used to following their desires up with instant purchases.

Online shopping conveniences means you don’t have that extra time to get in the car and drive to the store as you are considering purchasing that new TV you want. You just add the TV to your online shopping cart, check out and it’s on its way.

The same goes for restaurant meals. Most chain restaurants will deliver your favourite meal on their menu with one quick phone call.

The lack of work needed to buy stuff and spend money these days has lulled many people into a lack of discipline when it comes to spending.

Frugal people work hard to exercise and practice that discipline, though. They take the time to think about their purchases and whether or not those purchases are the best use of their money.

They consider whether the purchase will bring them closer to their financial goals or take them further away from those goals. They think about how much value a purchase will bring to their life: Will the purchase provide lasting value or happiness, or will the joy from the purchase be short lived?

Using Visualisation to Stay Disciplined

Telling yourself no about a lot of purchases can be difficult. One of the tools we use to help us stay on track and avoid unnecessary purchases is the tool of visualisation.

For example, the main car you drive is twelve years old. Sometimes you get so sick and tired of driving that thing. Sometimes it’s tough when loved ones get new cars.

However, when you take the time to envision how you would feel if we were burdened with a huge car payment (the average car payment these days is a whopping £402 a month), it suddenly becomes much easier to avoid buying a newer car.

You focus on the fact that our car is in really good shape for its age. It runs well, has minimal rust and was a top-of-the-line model in its day. You might have bought it used for £/$8,000 and paid cash.

You would need to get used to the wonderful feeling of not having a car payment, and using visualisation to help us stay away from taking on another one really helps us avoid those times when you get drawn into wanting shiny stuff.

Telling yourself no about purchases that don’t truly bring value to your life might not be easy at first, but over time it will become a habit you’ll likely learn to embrace if you are willing to practice it.

They will sacrifice quality – when it makes sense

Some people confuse being frugal with being cheap. The truth is there is a major difference between the two.

Cheap people sacrifice quality at every turn. Frugal people know when to sacrifice quality and know when it’s better to spend more.

For instance, many frugal people – although they stick to a budget – won’t sacrifice quality when it comes to gift giving. They also won’t sacrifice quality when it comes to a purchase, they’ll use long-term.

If the purchase is a household item such as a table for instance, they may buy a quality product knowing they’ll keep that table for a good twenty years.

In our family one of the ways, we’ve learned to know when to sacrifice quality and when not to is in terms of eating out. We used to eat out a lot.

Now when we eat out, we’re willing to go to a higher quality restaurant, but we only do it two or three times a year.

On the other hand, we won’t spend a lot of money on things such as school supplies. We buy the cheap notebooks and the budget folders knowing they’ll serve the kids just as well as the expensive stuff.

Sacrificing quality when purchasing a product that you’ll use for a long time or use a lot will probably just end up costing you more money in the long run.

However, sacrificing quality on an item that is for short-term use or that just doesn’t need to be a quality item is often worth the savings.

Learning the difference might take some trial and error on your part, but with a little experimentation you can learn what items are worth buying for less and what items are worth spending more on.


They value their money down to the penny

Frugal people understand that every penny counts. My husband and I got into tens of thousands of dollars of debt with an It’s only (5, 10, 20, 50 or any random number that fit the purchase) dollars/pounds attitude.

There were no huge purchases or vacations – It was that revelation that made us understand that every penny really does count when it comes to living a life where we’re spending our money on what is most important to us.

Today we routinely work to save pennies (as long as it doesn’t take too much time or effort) on nearly everything we buy in order to free up money for meeting our goals of debt freedom.

We also routinely put extra pennies and pounds into our savings and toward our mortgage.

Sometimes it feels pointless to add an extra few quid to a loan payment or savings deposit, but after nearly five years of understanding the value of a penny, we’ve learned that those extra little bits of cash can really add up.

As an example, let’s say you take out a $/£200,000 mortgage on a thirty-year note with a four percent interest rate.

If you pay an additional $/£1 per day on that mortgage note as an additional principal payment, you’ll shave 1 year and 8 months off of your mortgage, paying it off in 28 years and 4 months instead of thirty years.

While that may not seem like a lot of time when you are looking at a thirty-year mortgage, you’ll be glad when you get to year 28 and you’ve only got four months to pay instead of two more full years.

Start taking your spare coins and dollars/pounds and saving them for a financial goal such as saving for a vacation or using them to put toward early debt payoff. I’ll bet you’ll save more than you thought you would.

Related posts:

Learn more about what a money mindset is below, and how to achieve one:



They save their money consistently – and Save First

Having a consistent savings plan is highly important to many frugal people. They believe firmly in developing a habit of saving money.

For many frugal gurus, this usually means having an automatic transfer made into their savings account each and every payday. In other words, treat your savings just as you would any other bill.

Another part of saving money that is important to frugal people is paying themselves first. That means they put money into savings (and leave it there) before they pay anything else – including their rent or mortgage.

By learning to develop a habit of paying yourself first and paying yourself every payday without fail, you get used to learning to live on your post-savings income.


This is set it and forget attitude will help you spend less and grow your savings almost effortlessly, and before you know it, you’ll have a nice-sized pile of cash with which to cover emergencies or pay cash for an important purchase.

Your employer may be able to help you save first by putting a percentage of your pay into a separate savings account, or your bank may be able to help you by scheduling an automatic transfer each week or month from checking to savings.

Another way you might follow the frugal people and make saving easier is to open a savings account at a different bank, such as:

Some banks offer high interest savings accounts that can pay 1% and sometimes even more – a much higher savings account interest rate than you’ll find at most other financial institutions.

By having your savings account at a separate bank from your checking account, you’ll be less likely to dip into it than you would if it was at the same bank you have your checking account at.



They work to make things last by repairing before buying

Frugal people are great at working to make things last as long as they can before they spend the money to replace them. As you saw in the story I mentioned earlier, back in the days of the Great Depression that meant placing cardboard inserts in shoes to prolong their use.

You don’t have to go that far to be considered frugal, but learning to repair things or make due even if they’re not perfect will help you save money.

For example: You could have a garage that is heated by a big propane gas heater. A part goes in it. You call the local repair shop to get an estimate for our make and model of heater, they quoted you a price of nearly $/£250.

Replacing the large heater would cost almost $/£1,000.

If you did a little online research you could find the part for $/£47 at a shop about 25 miles from your house.

You find a YouTube video that showed it could be done pretty easily. So, you decide to try and do the repair yourself.

You complete the repair and save a lot of money on the process.

Many times, things break and can be repaired, or don’t necessarily need to be repaired.

It’s tough to go against the grain sometimes: many other families don’t. But frugal people don’t let appearance dictate how they spend; instead, they live with imperfect stuff for the sake of reaching their financial goals.


They take advantage of community resources

In many communities, there is a plethora of community resources that make for free entertainment or help in other ways.

Frugal people keep abreast of these resources and how they can utilise them in order to save money. Here is a short list of some of the free resource’s communities share with their citizens.

The library

Your local public library likely has a large selection of books you can read (either for education or entertainment purposes), movies you can rent or social events you can attend. Taking advantage of these resources can save bundles of cash.

Local entertainment

Many cities and towns show free movies, put on free concerts or other free shows and put together other free events in the name of unity and fun. The best part about many of these events is that they are FREE.

Check out your local community paper or city website to see what types of free entertainment your city offers.

Free or cheap housing maintenance items

Many cities and counties offer freebies or items at terrific cost savings to help you maintain your home.  In my county, they regularly send out coupons for large discounts at the recycling centre.

They also have occasional days where you can bring in recyclable items such as electronics or hazardous materials for free (If you want to take a bit of extra time, however, you can actually earn money and get paid to recycle computers or other types of electronics).

In addition, every spring our county offers residents the chance to buy a wide variety of trees at a deeply discounted price. Everything from fruit trees to maples, oaks and more are available to help landscape yards and provide self-sufficient food supplies at a very affordable price.

Local newspapers and city and county websites are great resources for being able to find free or cheap solutions for caring for your house and yard.

Check out the many community resources in your area that can help you save money.


They keep long term money goals in mind

Another habit of frugal people is that they keep their long-term money goals at the forefront of their mind. Staying aware of long-term money goals means less temptation to spend.

It’s well known that keeping on track with long-term money goals can be tough. It can be difficult to avoid frivolous spending when you’ve still got to save another $/£150,000 to pay off your mortgage or another /£$400,000 in order to reach your early retirement goal.

One way frugal people help stay aware of their long-term goals is to use visualisation. Some people create a poster board that represents their financial dreams and goals.

Other people keep a list in their wallet of what they’ll do when they reach debt freedom or financial independence.

And still other people use mentors and accountability partners to help keep them strong when they’re tempted to spend on something that isn’t in line with their goals.


Have you taken some time to figure out what your long-term money goals are? What money milestones would bring serious peace and joy to your life?

Would you like to be mortgage free? Pay cash for your kid’s college/university education? Save enough money that you could live off of the interest it earns?

If you haven’t done so already, make a list of your short, medium and long-term financial goals and how you can modify your budget to reach them.

For example, you could increase your extra income by cutting expenses and then open an investment account.

Investing your money may help it grow faster, which means you can reach your goals faster. Then make sure to use one of the ways mentioned above to help keep yourself focused on staying the course and achieving your goals.

Related post:

Would you like to know how to set SMART financial goals, but don’t know where to start? Then see the post below:



They seek out frugal fun

Fun doesn’t have to be costly, and frugal people are often geniuses at finding free or frugal fun. Here are some ideas for fun activities that won’t break your budget.

  • Spend the day at the beach
  • Plan a hiking, biking or walking excursion
  • Call some loved ones and plan a picnic or BBQ
  • Have a weekly or monthly game night at your house
  • See an outdoor concert, movie or other event
  • Go ice skating at a local park that has an ice rink
  • Go camping, fishing or both!

The possibilities for free and inexpensive fun are everywhere. Sit down with loved ones and make a list of things you can do for fun that don’t cost a lot (or anything) and use the list to plan your weekly entertainment schedule.


They consistently practice self-development

In Tom Corley’s book, Rich Habits, he outlines many of the habits that rich people share. While not all frugal people are rich, most rich people are frugal.

One of the other habits of frugal people is that they are continually practicing self-development in order to excel both personally and professionally.

Many people who are good with money read non-fiction nearly every day, exercise every day, practice self-education on topics that are important to them and practice living a life of integrity.

In other words, they consistently practice improving themselves.

Are any of the habits listed above habits that you do practice or could practice on a regular basis? And more importantly, are the habits worth it?



Is being frugal worth it?

I suppose the answer to that question depends on the individual person, but in order to help you answer that question for yourself, you should probably ask yourself a few other questions, such as:

Am I currently spending in a way that is hindering me from living the life I want to live?

Do I have unmet financial goals that could change my life if I reached them?

Would I be unhappy if I was in the same money situation five years from now that I’m in today?

If the answer to any of those questions is yes, adopting the habits of frugal people in order to find more money to save and invest toward your goals can help you go from financially so-so to financially great.

What are your frugal habits? I would love to hear them.

If you found this post useful, you might want to save THIS PIN below to your Pinterest Frugal Living board for later!



12 Extreme Frugality Tips – Simple Guide!

Today I will discussing extreme frugality and everything about the practice.

When your finances are in a deep decline, going all out for extreme frugality can help you stay on budget.

You can find plenty of advice about how to be frugal and how to save money. But advice on extreme frugality with the emphasis on extremely cheap living can be harder to find.

Sometimes saving money like other people do is just not enough.

If you’ve tried all the mainstream frugal tips but your finances are still not going in the right direction then perhaps it’s time to look at what extremely frugal people do.

Maybe you’ve just lost your job or maybe you’ve had your light-bulb moment and are determined to learn how to pay off debt fast as possible.

There are ways to ramp up your money saving attempts if you are prepared to go where others fear to tread.



What is extreme frugality?

Extreme frugality is exactly what it sounds like. Instead of sticking to the usual money-saving tips like everyone else, extremely frugal people find ways to save money that most people would never even consider.

In fact, even if you think you live an extremely frugal life, you’re probably not taking it anywhere near as far as some of the extreme frugal living tips below go.

So, the question becomes:

Why would anyone live such an extremely frugal life anyway? Well, I think there are two main reasons:

  1. They like to be resourceful
  2. They need to in order to survive

If you’re person #1 and you learned how to live super frugally just because you love being resourceful, keep doing you! As long as you’re happy, who cares what anyone else thinks.

However, if you’re person #3 and you’ve learned how to be extremely frugal just to get by (but you’re completely miserable), keep on reading until the end of the post. I’ll talk about how you can escape the extreme frugality life for good.

But first, let’s get into some of these tips to see what extreme frugal living is really about.

Warning though, some of these are crazy!


12 Extreme Frugality Tips

Live in your car

This is another one that is pretty common and not too extreme. It also has the potential to save you the most money as you won’t have to pay rent! Just shower at the local gym and you’re good to go.


If you want to really embrace car living, join the RV Life movement and live in a small RV or van. It’ll be a lot better than living in a coupe. There’s actually a skateboarder I follow on Instagram that lives in a refurbished ambulance which I think is pretty cool.

You could also potentially turn this into a side gig (if you wanted to) by starting a blog. People love reading about RV extreme frugal living. I’ve seen some RV bloggers making over $100,000/month (not a typo).


Raise your own farm animals

We all know hunting is a good way to supply meat in the freezer for months. You can buy a young calf and have a farmer raise it, and you can triple your investment and eat good, quality grass-fed beef for months off of that single purchase.

Likewise, I know someone who has a chicken farm and raise hens for eggs!

You’ll definitely need a deep freeze for storage, and Amazon Prime has several options to choose from with free shipping (especially handy if you don’t have access to a van)!


Eat out of date food

In day’s gone past the money mantra was waste not, want not.

If food has a small amount of mould on it, does it mean all of that food is now inedible and off?


If you want to reach the heights of extreme frugality then using mouldy food can definitely help you save money.

I account my cast iron stomach (no food poisoning for me) with having been given food that had the mould cut off when I was a child.

My Mother’s response to our disgust at this practice was to point out the premium people pay for blue cheeses like Stilton – mouldy cheese!


Dumpster living

This one is actually quite popular.

Basically, people will go to grocery stores to find tossed out food and they’ll take it home for themselves. I’ve seen people get some pretty good hauls doing this too:

Honestly, it’s mind-blowing how much fresh food gets thrown out every day. I’ve seen it myself too, I have friends that work in grocery stores, and they have told me they’re constantly told to throw out perfectly fine food just because it was past its date.

Oh, and it’s not just food either. I’ve also seen people have some pretty good finds dumpster diving at electronics stores! My girlfriend told me people do it at makeup stores too.


Shower less often

Filling the tub is a no-no when you’re practicing extreme frugality. You’ve got to take showers only and limit to once every few days (at most). Been to the gym? Apologise to your significant other for me!

Do you stink? No problem! Take a sponge bath!

Yes, I’m cringing as I’m writing this, but there are people who practice this method of frugality. I will admit I take 2 showers a day, this sounds like an absolute nightmare to me!


Road kill

Another example of extreme frugality food is to eat the road kill you may come across on your travels.

In the UK it is widely accepted that if you accidentally run over an animal you cannot pick it up as road kill. However, the person behind you can.

I have no idea whether this is an urban myth or buried in some law. But what I do know is there are people who supplement their protein intake with road kill.

Not my thing, but there are people out there that do!


Flush less

This is a pretty common one. There’s an old saying that goes something like, if it’s yellow, let it mellow. If it’s brown, flush it down. That’s the soft version.

The real hardcore people treat their toilet like an outhouse and at most flush once a day. Doesn’t matter if it’s brown, yellow, chunky or soft.



Take cold showers

For me, this one isn’t actually that extreme. I actually take cold showers just for the benefits but it’s also a good way to save money as you won’t have to heat any water.


After doing it for a while, you actually get used to the cold pretty fast. It will surely wake you up in the morning too, so maybe you’ll save some money on coffee as well.

You could also just shower less to save money, that would be pretty extreme.


Stop shaving!

Beards are very much in fashion these days so no shaving for men is not difficult to achieve.

Nor is it extreme. You won’t seem different from many others around you, indeed you’ll blend right in.

But how about no shaving, waxing or hair removal for women? Are you willing to be more extreme with your personal care in order save money?


Don’t wash off you makeup

Another way to save money for women (or men if you’re into that kind of thing!) is to not wash makeup off your face.

Sound crazy?

Makeup is expensive and wearing it every day will make your supply go down super-fast.

Instead of washing your makeup off your face at the end of the day, just skip it, so you can stretch your makeup wear a bit further.

This one sounds pretty crazy but it’s a way to keep your makeup longer and people really do this!


Live in a Storage Unit

Similar to living in a car, living in a storage unit is another extremely frugal way to save money on rent.

I saw a video from a guy who did this and he actually had a pretty decent setup in his locker. He had running water, electricity, a bed, a TV, and more.

The only problem is that living in a storage unit is illegal, and the guy in the video ended up getting kicked out after 2 months!


Collect and reuse grey water

There are plenty of typically normal ways to save money on your water bill.

But how about reusing your bath water to flush your loo?

Or using water from your washing machine to water your plants?

When you are going all out to learn how to be as frugal as possible, reusing your grey water makes financial sense.



12 extreme frugality tips – Final thought

Even if you could follow some of the extreme saving tips above, how long could it really last? Some of them are just so extreme that I don’t know how you couldn’t get burnt out eventually.

By adopting these extreme frugal living tips, you can hang with the cheapest of the cheap. But at what cost? There are many other ways to live frugally without sacrificing your quality of life.

I can see why some people resort to the extreme frugality tips above. It’s resourceful, it can help the environment, and the savings are there. If you’re doing any of the things above because you actually want to and they work for you, then I see no problem with that. You do you.

Now I want to hear from you and your opinions on extreme frugal living

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Frugal Living Lifestyle – 11 Habits of Frugal People

Have you ever wondered what makes frugal people tick? What is it about their brains that are just hardwired differently from the rest of us? And do you want to see what you can do to be as frugal as they are?

But what I think is even better than having these Holy Grail of answers from frugal people themselves is that there is no one answer that is right. Some things work, some don’t.

But the biggest thing that separates those highly frugal people from the rest of us is that they keep trying. They keep moving.

Here are some frugal habits that have the power to save you thousands if you commit to sticking to them. Implement one or two habits at a time until you’ve mastered them all! You’ll be amazed at how much money you can save.



What is a Frugal Living Lifestyle?

Frugal living is a way to get more for your money and making it go further by spending wisely and buying only the things you need. Frugal people are always finding ways to save more money and avoid waste by using what they already have. It’s about smart money management.

So, what kinds of things do frugal people do that makes them frugal?


Set out a plan and then live the plan

It is crucial that you have a plan for your money. Some people (like myself) would call this a budget. Because a budget at its most basic is simply a spending plan.

You need to know where all your money goes! But before you even look at where it is going. You need to have a plan about where you want it to go.

Ask yourself questions like:

  • What are your financial priorities?
  • What are your goals?
  • What is important to you?

Once you have answered those questions, look at what you are spending money on and if that aligns with your money plan? If not, you need to make some changes.

Second point, once you have the plan you need to make sure that you are then doing the second half and living it! So, tracking your expenses, checking in weekly, consider making the switch to a cash budget, whatever you need to do to stay on top of your money– just do it!

Plus, hopefully, there will be something in here you can take and use to supercharge your frugal life!

Related posts:

Read my post on how to set SMART achievable goals below!



Plan your purchases and pay in cash

Stop impulse shopping all of your money away.

Think about the things that you need ahead of time.

Talk about all of your large purchases with your spouse.  Decide together what is a large purchase for your family.


For us, it’s £100 or more. Whenever we’re going to make a big purchase, we think about it and shop around for as long as possible (at least a month). We save money by waiting for a good price.

Sometimes it turns out that we don’t actually need that big thing that we were shopping for. And then we save a lot!

When you do decide to make a large purchase, make sure you can afford it — and that means paying for it in cash. Never go into debt to buy stuff you don’t need. It’s just not worth it.



Keep track of prices of items

It’s important to familiarise yourself with the prices of the items you purchase on a regular basis.

By doing this you will know whether an item is on sale or not, or how good the sale is.

How would you know what the usual price is?

Grocery prices can vary by location, so your best option is to keep track of the prices yourself.

Keep a little note book on you, jot the prices down of the items that you regularly purchase. This way you will soon memorise the prices.

Piggy bank on table against blurred background. Space for text

Click on the links above to find out more about saving money through these sites

Also, take a picture on your phone of any items for sale, so you can compare when you get home.

You might feel a little silly doing this at first, but you will soon see the benefit in doing so, when you see the savings you make.

Of course, if you’re actually buying the item, you can save the receipt to record the price.

After a period of time, the prices will soon stick in you mind and you will know what’s a good deal and what’s not from the top of your head.


Utilise vouchers and deals

Honey is a great website for finding vouchers from thousands of retailers online.

I have saved money when making purchases on clothes through Honey on several occasions.

Also, Latest Deals is great website for bargains and deals.

While saving money you also earn points though the above sites, which can them be redeemed into a giftcard of your choice.

These sites are no brainer!

Want to find out more about these two sites? here is my posts for Honey and Latest Deals.

Related info:

Cashback sites are a great way to save money online, you can earn cash back on your purchase you were going to make anyway.



Simplify your food

One of the highest impact frugal habits is to cut down on your food costs.

Try tracking your expenses for a little while and you’ll probably find that you are throwing away a ton of money on take-out and convenience food. And even though it probably tastes good and makes your day a little bit easier, when you see the huge effect it has on your finances it clearly isn’t worth it.

The easiest way to save money on food is to make your own as often as possible. This does not mean you need to be an expert chef. Just learn one meal at a time.


A great way to be intentional about your food costs is to meal plan. I struggled with meal planning for a while, so I came up with a meal planning alternative that works just as well.

For maximum savings, make sure that you set a grocery budget and actually stick to it!

If you have leftover food and you’re struggling to think of a meal you can make from it, then Supercooks is a website that helps you re-create recipes from leftovers.

Just list out the ingredients and let SuperCooks tell you what to cook! Never again will you have to stare at those leftovers in the fridge and wonder what to do with it.

Related posts:

Read my post of cutting back your expenses below!

Read my post on how to save money with groceries below!



Buy in bulk

Bulk shopping isn’t just for big families.

We shop at Costco and stock up when we can. There’s a lot there that can benefit anyone or any size family.

We buy all sorts from there when we visit and it lasts us a long time. We buy our eggs, frozen veggies, meats (that we can freeze), spices, and olive oil from Costco.

Costco is also great for paper goods like paper towels, toilet paper, and tissues.

Bulk buying is great for saving money in the long run.

Here are some products with a long shelf life:


  • Toilet Rolls
  • Microfibre cloth
  • Toilet bleach
  • Laundry detergents
  • Garbage liners, dishwashing liquid
  • Hand wash
  • Diapers, wipes and milk powder
  • Sanitary towels
  • Shampoo, body wash, moisturisers
  • Over the counter pain killers also have a long expiry
  • Batteries – can come in handy


  • Pasta
  • Rice
  • Dried Lentils
  • Tomato Sauce
  • Salt/Sugar
  • Cereal, peanut butter, jam
  • oil
  • Frozen food of your choice – vegetables, berries
  • Canned food – baked beans, tuna, soup, carrot/peas
  • Plain/Self Raising flour

Buy these items in bulk when there is a price drop and watch the pennies you save mount up.



Fix it, instead of throwing away

People in general, seem too quick to throw things away, I use to be the same.

Instead of being one of those people, try to fix or refurbish what you can.

YouTube is a great place for videos that show you how to fix and refurbish just about anything.

One person’s rubbish is another’s treasure. Just because something is old, broken or worn out, that doesn’t mean it’s at the end of its life.

Give it some TLC, work some magic and give it some more life if possible.

You never know, you might find yourself a new hobby you enjoy!


Used goods

Before purchasing something new, always browse for used items beforehand.

There is some great stuff out there, and there are more sources than ever online. You can find quality used stuff of just about anything on the internet

Ebay and Facebook Marketplace are just a couple of those available, that are great resources.

You can also buy used items on Amazon. When you’re looking at an item, check below the main price for it to say “new & used from”. Click that link and it will send you to the listing of the used versions of that item.

There are many ways to buy good used goods, when you think beyond only buying brand new.


Just say no

Don’t be afraid to say no to your friends and family when they invite you to an expensive activity. It’s a smart idea to talk to your friends about money and your goals. When you’re invited to do something that it out of your price range – or simply a waste of money – just say no. Offer an affordable alternative. If your friends really want to spend time with you, they’ll be happy to be with you without spending so much. And if they just really want to do that expensive thing, let them do it without you.


Create an emergency Fund

Frugal people are already on top of their finances, so it makes sense they’d have an emergency fund.

It doesn’t matter how much money you make, what’s important is to save 3-6 months’ worth of expenses in case of an emergency and you can’t work.


Never stop looking for Frugal ways to save money

Our last frugal habit is to keep looking for new money saving methods.

The first step is to know exactly where your money is going. Know exactly what your current costs are. Then, be constantly looking for new ways to lower your expenses.

Ask yourself how you can do things better. Talk about it with your spouse regularly.


Frugal Living Lifestyle – Final thought

Money is a tool. Learning to live well on less positions you in a place of power over your life and finances. Don’t be afraid to make changes to your life.

Maybe sign up for a few money saving apps. Check Google for possible coupons before you hit, ‘Buy’. Or maybe it’s finally making a spending plan for your money.

Wherever you start, the most important part is that you start!

I’d love to hear from you, if you’ve got any super frugal tips, I’d love to hear them.

Please comment below.

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Simple Frugal Living – Beginners Guide To Saving Money

If you’re just stepping into the world of saving money and are interest in simple frugal living , but you’re not sure where to begin, then this post will give you a few pointers on where to start.

For those who don’t know what frugal means, I will explain this for you.

A frugal person is someone that is careful with money and food, someone that is prudently saving or sparing, not wasteful and is economical.

Living in frugal way can seem a bit overwhelming, so to help I have put together a small beginner’s guide to getting started.

The small changes I will talk about can be implemented one by one, and make a big difference financially and to the wellbeing of your life over time.

So, lets get started with my tips for living a more frugal life.



How I started

Until the ripe age of 37 I use to be really bad with money, like really bad. I spent it faster than I could make it, and every month I was skint by the second week after being paid.

After some major lifestyle and financial changes, I would like to think I’m pretty decent when it comes to money these days.

If I can adapt to a better way of living, then anyone can.

I started off by setting myself a money goal to achieve and build on. Then I put a plan together and started to put into practice the mentioned things below.

Let’s get started with my tips to save money and live a more frugal lifestyle.


Beginner’s Guide to Being Frugal

Even if you can just save a small amount, save what you can, all the time.

Master one of the below tips then move onto the next. Before you know it, you will be doing them all, and then looking at more ways to save money.

Follow these and over time I have no doubt you will be successful in living a frugal lifestyle in the long run.



Evaluate your monthly expenses.

The chances are that your monthly expenses are costing you too much. This could be the reason you’re looking to save money in the first place.


This is where you will need to ask yourself some tough questions, like…

Am I overspending in general?

Could I cut costs with my groceries?

Do I really need to spend money on coffee every morning on the way to work? Or on food at lunch?

Related posts:

Want to find out more about cutting your monthly expenses? Then see my post below:




I only shop when I need to. If you’re one of those people who shops for the sake of it and spends money like it’s going out of fashion, then cut down or stop.

While doing this you always purchase things you don’t need. In order to save money, you have to stop shopping for fun.

I only go to shops these days for essential items, and it has helped me save a lot of money.

Every pound I spend is vouched and tracked for.

I don’t go near a shop unless if it’s for something I definitely need.


Grocery budget

Spending money on groceries is a difficult one, every family needs to eat.

I find that sticking to budget every week, really helps with saving money. There’s no needless buying or putting things in the basket for the sake of it.

Put aside a certain amount every week for groceries and stick to that amount.

Seems simple, which it is, but it’s really effective at cutting costs.

Related posts:

Have trouble with setting a grocery budget that you can stick to? Then see my post below:



Enjoy your home

This may not seem obviously connected to saving money, but I believe it is.

When you’re in love with your surroundings, you’re so much less likely to go out and spend money for an escape.


Consider the small things you could change that would help you love your home more. Here are some examples:

  • Add a few candles in your living room, I find this makes the room cosier.
  • Start making your bed everyday, so you don’t feel bad every time you look in your room.
  • Turn your desk (if you have one) so it faces a window instead of a blank wall.
  • Redecorate rooms to your favourite colour, to give you a lift when you walk in.

If you put your mind to it, there are so many little things you can do to make your home feel more homely.

Walk through your home and make a list of simple things you could change to make it more enjoyable.

This is an investment, and if it keeps you in and cosy instead of looking to be outside spending money, it soon pays off.


Create an outdoor space that you love too. Whether it’s a corner of your garden of a little patio area. Make this space yours, somewhere that feels comfortable to escape the drama of life.



Fix it, instead of throwing away

People in general, seem too quick to throw things away, I use to be the same.

Instead of being one of those people, try to fix or refurbish what you can.

YouTube is a great place for videos that show you how to fix and refurbish just about anything.

One person’s rubbish is another’s treasure. Just because something is old, broken or worn out, that doesn’t mean it’s at the end of its life.

Give it some TLC, work some magic and give it some more life if possible.

You never know, you might find yourself a new hobby you enjoy!


Used goods

Before purchasing something new, always browse for used items beforehand.

There is some great stuff out there, and there are more sources than ever online. You can find quality used stuff of just about anything on the internet

Ebay and Facebook Marketplace are just a couple of those available, that are great resources.

You can also buy used items on Amazon. When you’re looking at an item, check below the main price for it to say “new & used from”. Click that link and it will send you to the listing of the used versions of that item.

There are many ways to buy good used goods, when you think beyond only buying brand new.



Vouchers and deals

Honey is a great website for finding vouchers from thousands of retailers online.

I have saved money when making purchases on clothes through Honey on several occasions.

Also, Latest Deals is great website for bargains and deals.

While saving money you also earn points though the above sites, which can them be redeemed into a giftcard of your choice.

These sites are no brainer!



Car sharing

Driving to your usual places each day costs you money. Mostly in the petrol that it takes, but also in wear and tear on your car.

Depending on your commute, you may also be paying money in tolls.

Find a co-worker who lives nearby and start see if they’d be interested in car sharing.

Even if they don’t care about saving money, they may still be interested just because they would love not to have to drive to work every day.

Think about it. Wouldn’t you rather be on your phone than driving? For most of us, that’s an easy yes.

This works for kid’s activities too. Start switching off with another parent and gain back some time and some money in driving costs.


Cashback sites

Cashback sites are way of earning money while you spend money on shopping.

Some good sites are Topcashback, Quidco and Boom25.

The cashback site will earn a percentage for referring you to the retailer through their website, and you take a cut of the profits.


It’s an easy way to earn some extra money while making a purchase you were planning to make anyway.

Here’s my posts with all the details of exactly how Quidco, Topcashback and BOOM25 work.


Big purchases

Have something big in mind you believe you absolutely need?

Give it time.

Instead of rushing out and spending big right away, give yourself time to think about it.

Let’s say 30 days…

In those 30 days you might find you don’t actually need that item at all, or maybe you will find something else that is a cheaper option.

Either way you are giving yourself that bit of additional time to save and think about the purchase.

If you then decide that you definitely want it, you can make the purchase confidently, knowing you absolute need it.


Simple Frugal Living – Final thought

Now it’s time to start saving.

You don’t need to dive right into extreme measures of frugal living. Instead, start with these starter tips and things will naturally gain momentum for you.

Start by evaluating your expenses and find places where you can cut back. Shop less and stick to a grocery budget when you shop for food.

Consider car sharing to save money and time. Shop smart by using some vouchers and getting cash back. Enjoy your home so you want to be there more, to avoid going out all the time.

Fix or refurbish broken items before buying something new. And when that doesn’t work, try buying used. Make it a rule to wait 30 days before purchasing big purchase items.

It’s really not that hard to do, you just need to get the ball rolling.

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Frugal-simple-life tips