Frugal Living: 14 Practical Tips To Save Money

Please note that this article contains affiliate links, read disclosures here.

Looking in, how would you know that I live a frugal lifestyle?

Is it the old car? The coffee brewed at home? Precisely, yes. Those are a couple of the measures I take in order to cut down on the expenses that would otherwise add up.

It’s not to say I am driving a $1,000 car or drinking Folger’s coffee. I’m not.

My car was ~$16k when I bought it used 7+ years ago and I drink organic whole-bean coffee.

You may be thinking –

“whoa, how is that frugal living?”

Let’s look at it this way.

I don’t trade-in my car every few years. I plan on driving it until it goes kaput.

As for the coffee, a bag costs ~$11.

It sounded scary at first, didn’t it?

Decide what matters the most to you and spend purposefully in those areas. This way, you don’t feel deprived in the slightest.

Sounds good, right?

I will break it down by category of the 14 tips I have used to cut back in order to get the most out of my hard-earned money!

There will be aspects of this list that may not pertain to your situation.

Alternatively, there will be at least a few that you can take and start emulating today!

Ready to start chipping away at those expenses?

frugal living

Frugal Living: 14 Practical Tips To Save Money

Home + Utilities

The bulk of your money is likely spent on housing.

Living arrangements can be expensive. Understandably, depending on where you live, the cost of living is going to vary considerably.

There are ways to minimize these costs. Some examples include opting to live in the suburbs, an older apartment complex with fewer amenities, and a home with a smaller footprint (1,300 vs. 2,300 sq. ft.).

If your preference is to live in a larger city, consider options to have a roommate pay a portion of the costs. If that situation is too permanent for you, consider AirBNB or Homeaway renting options.

Living situations can vary significantly for each person. The reality is, keeping the costs down in this area will largely affect long-term savings.

#1 – Modest home.

In my situation, for the past 11+ years, I have resided in a modest starter home.

It is the perfect size for a two-person household, but could easily accommodate a couple more.

Staying in my current house has been a deliberate choice for the past 5-6 years. The talk of moving surfaced a lot about 5 years in, but it got put to the wayside because staying put made economic sense.frugal living

Coming into our 12th year in this house, there are plans to make a move in the next 1-2 years.

If a move out-of-state occurs then I will likely find a place to rent that mirrors my prior suggestions.

Though I want to stay closer to the city, I know that renting on the outskirts will allow for a few hundred dollars savings each month.

Side note: If you are considering a larger home, remember to factor in the costs of upkeep, utilities (upstairs is never the right temp), property taxes (larger home generally larger mortgage), furnishings, and if it is a new build – window coverings. It can get very costly!

#2 – Temperature inside the house.

Have you ever gotten a gas or electric bill that has been astronomical?

I received one for over $150 once, when normally it’s ~$30/month. Yikes!

In an effort to keep the gas and electric bill at a reasonable level, I set the thermostat a few degrees lower in the wintertime and a couple notches higher in the summertime.

The temperature fluctuation inside the house can make a difference, even if it’s a small extent. If you are conscious about just adjusting a few degrees that’s better than nothing.

Also, being mindful of the thermostat when the home is unoccupied is a simple solution.

Utilities need to be paid regardless, so why not take some measures to reduce the cost?

#3 – Basic Appliances.

None of my appliances are super fancy. All super basic. The fridge was purchased for ~500.00 and has been in use for over 11 years and is still functioning great.

The dishwasher and oven were new when the home was bought and have not been updated.

I have come to realize that unless the functionality changes drastically, it isn’t worth it to pay exorbitant prices for appliances.

Let’s just say, unless the washer or dryer will clean and dry my clothes in record time, buying mid-level is sufficient.

Appliances will eventually give out from use, so moving to a higher price point isn’t going to give me cleaner dishes or keep my food from perishing.

Monthly Costs

frugal living

These are the costs that creep up every, single month to take a bite out of your paycheck.

Consider cutting back on these recurring expenses to maximize savings. I’m talking about cable TV, gym membership, lawn service, and so on.

Think about it like this. Is there any way the monthly costs incurred can be done for free or by you?

If not, consider if it is a cost that you can slowly wean from your life. Start somewhere, it doesn’t need to be instantaneous.

Here’s how I cut back on monthly expenses…

#4 – Antenna TV.

Not exactly an antenna attached to a TV, but an antenna for the TV. Mine is lying on its side on one of my side towers. It’s kind of funny because it just wouldn’t cooperate sitting straight up.

With over a year of reflection, making the move from cable TV to antenna TV was worth it to me.

I talk all about making the switch in the below article…

Related article: Real-Life Savings Series – Bye-Bye Cable

#5 – Home gym.

A monthly cost that is not in my budget are trips to the gym. I am more motivated by having equipment inside my house.

My treadmill and simple weight machine have depreciated well, so I don’t feel too bad if I don’t get around to using them.

At this rate, I like making up dance workouts (Songbot app or Youtube for music) and using the DailyYoga app. The annual fee can be discounted to ~$20/yr. There are free beginner lessons that you can try!

Side note: Nowadays, there are alternative forms of exercise that are FREE or low cost. It is not necessary to spend money for the gym or even on equipment. It depends largely on what activities you like to do to stay fit, so do what works for you.

Groceries + Eating 

frugal living

This category can be one of the second largest areas of your budget.

It is for me, because hey, I love food! 

In my opinion, controlling the spending within this category can lead to considerable cost savings.

Acquiring the skills to make food and beverages at home can make such a difference!

#6 – Eat at home often.

Dinner’s served!

I enjoy cooking and acquired this skill a few years back. Lucky for my husband (or not), I don’t follow recipes to a tee. I have done pretty well for experimenting.

You see all the budget-friendly recipes I have on the blog? Those are my variations.

They are tasty, I promise!

My household used to spend a crazy amount eating out each month. A few years ago, the eating out costs amounted to a large portion of the food budget.

Of course, for what really came down to junk – not the good stuff. Now, we try to eat in and meal prep each week.

Meal prep is absolutely necessary if you work full-time and get lazy in the evenings.

It doesn’t have to be super organized either. It can be in multiple cooking dishes that you just pile on a plate and reheat.

OR, you can always make dishes that go straight from the fridge to the oven. It cooks up in 30-40 minutes while you decompress from a long day of work.

The cost and time savings makes the hour of meal prep each Sunday well worth it!

Side note: You may not have acquired the cooking skill, though I can assure you that it is not that hard.

Sure, you may never be able to make great Chinese food or muffins from scratch – but any attempt will have your wallet thanking you.


If you are seeking to discover new healthy foods, try Thrive Market. It’s my latest obsession! Thrive Market is making a huge impact in making healthy goods accessible at wholesale prices.

Better yet, with every sign-up, Thrive will sponsor a low-income family for their own year-long subscription so they have access to healthy eating. Awesome!

Sign up and get 20% off your 1st 3 orders + 30 days free to try!

Related articles: 

#7 – Lunch in at the office.

My husband brings a “burrito/quesadilla” for lunch at work. It consists of a rice tortilla, deli meat, ground black beans, and cheese.

It’s so easy to make too. It takes about 20 minutes tops.

Here’s the quick rundown of this recipe…

  • Ground the beans to mush – think refried bean consistency
  • Spread on rice or flour tortilla
  • Add deli meat
  • Add cheese
  • Fold in half for a quesadilla if using a rice tortilla (they don’t roll up that great) OR if using a flour tortilla, roll it into a burrito
  • Put on hot skillet to seal, let cool, then store


Bringing lunch from home is one of the easiest ways to save money. The supplies for a whole week of lunch is about $12-$15.

You can easily spend that amount in a day and a half eating out.

#8 – Coffee is brewed at home.

frugal living

Trust me, I do enjoy the convenience of a Starbucks fancy coffee, but at $5 an order, it is just not feasible to do it all the time.

My method involves purchasing whole-bean coffee to grind and brew myself.

There are a few reasons why I started doing this – the cost difference from ground coffee is minimal, the coffee tastes better freshly ground, and I can assure that my coffee is made with 100% coffee beans (and no filler).

Also, brewing coffee at home allows me to stretch my coffee further by putting in exactly as much as I want for a stronger cup and also add the accompaniments I enjoy.

Of course, feel free to make it easier on yourself and opt for ground coffee. Invest in a coffee machine for a reasonable price and there ya go, a nice hot coffee anytime you brew it yourself.

Pshhh, Star —- who?


When shopping occurs, how are you ensuring that you don’t overspend or are getting the most out of the actual dollars spent?

Here are a few ways I do it…

#9 – Shopping list.

Chances are you may not consider a shopping list because it takes time to write it all out. Wouldn’t it be much easier to buy whatever looks good?

Yes, in the perfect world.

When I go out grocery or household shopping I have a list. At this point it’s not due to a poor memory, it’s because I have a list of estimated prices and a grand total.

If I veer off the list then I know I have gone over how much I wanted to spend. Sometimes this is fine, other times it keeps me honest and focused on why I’m shopping.

Though, let me tell you, pizza slices sitting out there in the open always call my name.

Download the shopping list printable for your own use! There is also an Excel + Google Sheets shopping list you can download from the FTD Resource Library upon subscribing.

Get Instant Access To The Shopping List Printable!

+ Saturday updates + Access to the FTD Resource library Powered by ConvertKit

#10 – Clothes on sale.

I’m a woman who likes pretty things, but I don’t do much clothing shopping. This past year I bought maybe one item of clothing – and it was interview attire. Crazy, huh?

When I do decide to shop for clothing, I make a beeline for the sale merchandise. It is great to find a deal on an item that adds value to my closet and is worn consistently.

Along with seeking out sales, I also think about resale value. Somewhere down the line if I want to sell the item, it will move way faster.

If you are looking for advice on frugal fashion or where you can sell your clothes and accessories for extra money, definitely check out the below articles for more info!

Related articles: 

#11 – Discounts or Cash back.

frugal not cheap

I have some go-to apps that I use to get the most out of spending on everyday items and gifts.

When I make a purchase I always check Ebates and RetailMeNot for cash back or discount codes, respectively.

Let’s say, for instance, I’m making a purchase at (my go-to for skincare products). I go to Ebates first and find Sephora. I use their link to click-through to Sephora and proceed with making my purchase.

After the fact (24-48 hours), a percentage of your purchase will be added to your Ebates account.

The cash back varies, so check it out to see what your favorite online store pays out for each purchase!

If you are interested in using Ebates in-store, there are select stores that are offered.

>Try EBATES and get $10 when you make a $25 purchase with my link

As for discount codes, Retailmenot is awesome for that. I use it when I order delivery pizza, buy gifts, and so on. It has the same simplicity as

Just visit the website, enter the retailer, and if they are in-network then there will be codes that come up.

The next step is to review which code you want to apply to your pending order and get ready for a discount code or freebies!

Another tip here is that if you are not particularly “retailer loyal”, if one store doesn’t have a code you can use, try finding a store that does so that you CAN get the discount. It’s your preference!

For shopping in-store, who doesn’t shop at Target?!

Cartwheel is available through the Target app. A simple download and account setup and you are able to get percentages off for what you would normally buy.

My method is simply scanning the everyday items I purchase. At checkout, scan the code on your phone, and voila!

If you have a range of stores that you visit, try Ibotta. They have a wide variety of grocery/non-grocery retailers under their umbrella.

This is how Ibotta works.

› Add the products to your account › Purchase the goods from the store › Take a picture of the receipt › Scan the barcode (sometimes)

Cash back will be deposited within 48 hours. How cool is that?!

>Try IBOTTA and get a FREE $10 welcome offer with my link

Check out my resource page for more offers!

Lifestyle Upgrades + Upkeep

This category tends to rise in costs when more money is made.

That is because it is very easy to get sucked into consumer spending.

Yes, a brand-new phone or laptop with the best tech and a shiny new car sounds great. But, do you really want to pay the price?

The money going here will take away from paying yourself first.

#12 – Old phone.

My household uses phones from 2013 which these days can seem pretty archaic especially being a smartphone.

It’s not as though the phone is operating seamlessly at this point – it’s DEFINITELY not. It gets really sassy when I want to take screenshots or need storage capabilities.

And yes, I just anthropomorphized my phone!

Side note: In your situation, consider the costs of upgrading tech. Is it worth it? Can you get by using a phone and desktop/laptop and wait until the next generation is released and buy the older version at that time?

If you opt to pay now, recoup your costs by selling your used device on eBay or Decluttr.

frugal living

#13 – Old cars.

Both my husband and I drive cars that are each over 10 years old.

The two cars I have are economical and reliable. I purchased them outright and keep them maintained. I’m in the camp of not switching out cars until it’s absolutely necessary.

I will drive my car until I need to [begrudgingly] go buy a new-ish one. Do people really think shopping for cars is fun?

A perk of buying a car that is used is that the insurance costs much less. It’s on a sliding scale. The older the car, the less it costs to insure.

Also, if it gets to the point that the cost of insuring the car outweighs the benefits, there’s an option to exclude collision insurance.

Side note: If I lived in a larger city with a robust public transit system I would not own a car at all. I would actually enjoy doing that someday and be completely car-free. Wouldn’t that be nice?!

#14 – Pampering + Salon services.

I stay away from pampering services because I know that an initial treatment could lead to potential upkeep.

I’ve only gotten my nails done twice in my life and I am in my early-30’s.

This is mainly due to the fact that I can’t find the value in paying someone else to do something that I can readily do myself – plus I actually enjoy painting my nails!

As for the salon, I used to be a hair-stylist so I have an edge on this in terms of hair-cutting and color. I have a no-fuss hairstyle, so it helps!

Side note: Do you find yourself visiting the salon to get your bangs trimmed often? A trick to cutting bangs is to comb them to the opposite side of where they hang and trim them that way. Start with a few snips (and work from there). Comb them back the usual way you wear them and voila shortened bangs that aren’t messed up.

frugal living

Related articles: 

The Bottom Line

Now that you have my frugal living measures, in a nutshell, you can tell that I live pretty frugally and try to let things affect just my husband and me.

I’m not afraid to spend on things that are important to me. Likewise, I’m not afraid to make cuts that will help the bottom line.

As a reminder of my previous points, take a good hard look at the following costs that you pay:

  • Housing
  • Utilities
  • Monthly extras
  • Shopping
  • Groceries + eating out
  • Lifestyle upgrades

My method of controlling the larger and recurring expenses in my budget have resulted in an easier way of living.

I’ll be honest with you.

In my situation, I don’t feel restricted because this is just a way of life for me. It has allowed my household to save often and life is easier as a result. As crazy as it sounds, the less you spend, the less complicated your life is…#truth

Full-Time Dollars

Read more about my mission HERE.

Ways to stretch your money further + earn extra cash:

Ebates – receive $10 when you spend $25 (online/in-store shopping)

Ibotta – receive $10 as a welcome gift (grocery in-store shopping)

Swagbucks – receive $5 as a welcome gift (get paid for everyday things you do online)

Visit my resources page for more information on each service and to view other offers!

Check out my resource page for more offers!

Join The FTD Community

+ Access to the "FTD Library" for subscribers

+ Weekly updates so you never miss out!

No spam. I promise. Unsubscribe at any point in time. Powered by ConvertKit

Readers, what are the frugal living measures you take to save money in your household? Please share!

Photo cred: Pixabay


  • Mrs. Defined Sight

    Great points!! I felt so proud to be nodding in agreement that, “yes! we are doing that too! wahoo!” We somewhat flipped our first home, sold it for almost 100K more than when we bought it, and I’m constantly keeping that in mind for our new home. “Hmm, what kind of minor, inexpensive updates can we be doing to keep the most re-sale value for our home?” We have no plans on moving in the short term – but you never know! Amen to the bring your own lunch thing. I’m known as the bag lady at work…I bring a giant tote full of my containers…I can’t help it I eat breakfast, lunch and snacks at work! 🙂 I’m still holding on to my iPhone 6…waiting for a rebate deal but I don’t know if one will be coming again 🙁 Great bullets and keep up the awesome work!

    • Full-Time Dollars

      Hey DS! That’s great that you are already implementing frugal strategies in your life. I believe that a lot of these tips are commonplace, but they are tried and true. I was able to increase my wealth significantly by reducing the heavy hitters such as mortgage and groceries and keeping my spending consistently level as salaries increased.

      GJ on the 100k flip. One of the great things about owning a modest home is that there can be some upside when it is time to sell!

      Thanks for stopping by and your kind words!!

  • Kathy A.

    Your tips were right on. Today’s young people expect to have it all now. There is no delayed gratification. My mother was a first generation Polish woman who grew up during the Depression. My father was a ne-do-well. Hand me downs were normal and appreciated, going out for pizza 1-2x/year was a treat. Picnics were bologna on cheap white bread, chips, and fruit. As a divorced single mom, I had a 2-income 15 year mortgage ($50/month more than a 29 year!) on 1 income, no entertainment budget. It worked! Lunch out was a treat; I packed lunch using supper leftovers. Raises were put into my retirement fund. I menu-planned by the meats that had $1-2 off coupons on them. I love thrifting and clearance shopping. My retirement (at age 62) today is more comfortable that my peers (who are 70 and still working!); yeah, I’d love Starbucks coffee, scratch tickets, and full price clothing. Do I NEED it? Heck, no! Am I happy and content. Heck, yes. I think living frugally is worth it!

    • Full-Time Dollars


      I absolutely love the comment you left. Your story reminds me of my parents who were able to retire in their early 60’s. I grew up with very little because my parents didn’t put an emphasis on luxuries. That’s where I learned it all from. Of course, as you read from the article, I do splurge on what provides me value. I saw firsthand how hard life was for my parents, so I made sure I did what I could to further myself (by going back to school and increasing my salary) so I wouldn’t have to choose between eating, paying my bills, saving…and so on.

      As for your situation – you worked hard, raised a family, and made the money decisions to be able to retire (even before 65)! Bravo to you!! 🙂

Leave a Reply

Your email address will not be published. Required fields are marked *

error: Content is protected!