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You need to save money
Your clipping coupons, shopping sales, trying several money saving tips and cutting costs where you can. You’ve even stopped eating out and you’re still struggling to pay the bills and save up some extra cash.
You’re looking for ways to save that extra little bit so you can have coffee with friends. Or maybe you are trying to save some extra money to pay down debt or plan a family vacation.
You’ve tried budgeting and cutting costs but despite your best efforts it just isn’t working. Do you feel like your treading water while everyone else is getting ahead?
You have come to the right place! We have figured out how to cut our costs monthly by $1,000 and put money towards our savings every month.
The solution is simple easy to follow, easy to implement frugal money saving tips. Simple changes to your everyday that save you big money.
Related Frugal homemaking Posts:
- 75 Money Saving Tips For Living On One Income
- 5 Proven Ways To Save Money On Groceries
- Frugal Homemaking Tips & Tricks
What is your biggest expense?
Depending on where you live food and groceries may be your biggest expense or it maybe your mortgage or your rent. Imagine spending 75% of your income just to keep a roof over your head.
Maybe these aren’t your biggest expenses. Maybe your debt and interest are weighing you down financially. No matter where your money struggles are taking place you can turn them around.
You can cut your costs, save money and get ahead.
30 super frugal Money Saving tips:
1. Track your spending
Believe it or not you will save more money when you know where it’s all going. Tracking your spending is less complicated than you think.
Gather up all you receipts from the last week or two and your house expenses. Put them all together and calculate how much money is going where?
Do you know what you spent on groceries last week? What about entertainment and activities? It all adds up including yesterday’s coffee.
If you are looking to learn more about money saving tips, budgeting and paying down debt take a look at this book. It made a world of difference when we started our debt reduction journey.
2. Set up an emergency fund
Avoid paying interest when things go wrong. It always seems that when it rains, it pours. Save yourself the stress of overpaying by having a bit of back up cash set aside for when things break down.
The washer stops working and needs a new part, or your car breaks down on the side of the road. Set aside a few dollars every paycheck, don’t spend it unless it’s an emergency.
3. Start saving money when you go shopping
Did you know the grocery store plans for you to spend more money every time you shop? It isn’t a coincidence the floral department is at the front of the store and you have to go all the way to the back of the store for milk, bread or meat.
Think about it you have to walk past all the things you don’t need (but want) to get the items you need. The store plans for you to add extra items into your buggy as you shop.
Maybe it’s easy dinner items because you decided to shop hungry. Or maybe the kids added a toy or two. Or you’re having a movie night and popcorn and cookies sound good.
Skip the extra spending by shopping online.
Did you know you can have your groceries delivered right to your door?
All your favorite stuff:
- And So Much More
Why go shopping when you can have all your favorites delivered right to your door and usually for way less than the grocery store price. If you have an Amazon Prime Account (if not, get a free 30-Day trial right here), plus you can save even more money by using their Subscribe & Save Program.
I use this program to save extra money on diapers, formula and so much more. And the great thing with Amazon is you can shop online, in your pajamas, save all the items you want to your cart and order it with a click of a button.
Save even more money on all your Amazon and other online purchases with Rakuten. Try Rakuten and receive a $10 gift my treat.
4. Are you looking for an easy way to save money while you shop?
Start saving money in seconds! Rakuten is a free app that pays you to shop. It’s simple and super easy to use. Shop, click and save. You can download the app right here and get $10 free just to start. No clipping coupons or shopping sales, just shop for the items on your list and start saving.
5. Do you want to learn how to cut your grocery budget in half?
The average family spends over $800 a month on groceries and a portion of it goes to waste. Learn some great money saving tips with The Grocery Budget Workshop.
Like how to cut your grocery budget in half and still eat well. Sign up for their free workshop and start saving money right away.
6. Start eating more meals at home
Skip the dining out and the drive thru dash. Or the ordering in, start cooking a home cooked meal. It doesn’t have to be difficult, simple 5 ingredient dishes.
You can save hundreds by cooking your meals at home. Need some inspiration? Try $5 Meal Plan for free for 14 days.
7. Skip it and save
Who says you need meat with every meal? There are some amazing vegetarian recipes that cost less to make and still taste great.
Skip the soda, juice and lemonade. Opt for water with your meals. But make sure to skip the bottled water. Save the $2.00 a bottle and invest in a reusable stainless steel water bottle. They keep the water colder and don’t create the waste that plastic bottles do.
8. Grow your own
Growing your own produce, even something as simple as a few herbs and salad greens can help cut down on your grocery budget. Seeds, dirt, some old buckets all cost pennies in relation to the money the home grown produce will save you.
9. Preserve the bounty of the season
Whether you are growing your own vegetables or have access to a great farmers market preserving the bounty of the season will save you money.
Which is cheaper freezing strawberries in June or grocery shopping for fresh strawberries in December? Learn all the things you can freeze to help you save money.
10. Stockpile beans, rice and dry goods
Stockpiling anything when it goes on sale is a good money saving tip. But keeping a good supply of dry goods is a great choice as well. Beans and rice are great frugal meal staples, flour also gives you a variety of baking and meal related choices.
You can have all of these delivered right to your door if you have an Amazon Prime Account (if not, get a free 30-Day trial right here), plus you can save even more money by using their Subscribe & Save Program.
11. Empty the fridge and get creative
Have you ever noticed how much food you really have in the fridge and freezer? Do you use up your leftovers?
Before you do your next grocery shop try using up all the items you have before you go shopping. Get creative.
Have a baked potato buffet with all the leftovers for toppings. Or a salad buffet dinner. Don’t let your leftovers go to waste.
12. Wash it in cold water and hang it to dry
In a house full of boys we do a lot of laundry. Our favorite money saving tips are washing our clothes in cold water, skipping the dryer and hanging our clothes to dry.
13. Make your own cleaning supplies
You don’t need the $10 bottle of natural cleaner to clean the house. You can still skip all the chemicals and keep your house clean for pennies.
Create a mixture of 50/50 water and white vinegar in a simple spray bottle. Add a few drops of your favorite essential oil and a squirt of dish soap. This mixture will clean all surfaces.
14. Shop vintage and thrift
Design your wardrobe for a fraction of the cost by shopping thrift stores. You can find designer deals for up to 90% off the regular price.
You also aren’t limited to just clothes. You can furnish and design your household decor all through your local thrift store and second hand websites.
15. Use it, mend it and pass it on
If it’s not broken you don’t need to buy a new one. A great thrifty money saving tip. Try to use what you have, mend it if it breaks and pass it on (or hand me down) to the next person.
This works with almost everything around the house clothes, furniture, toys and etc.
16. Use cloth diapers
The average child will go through $2000 worth of disposable diapers in their life time. Swap it up for cloth diapers and save. Even if you use cloth diapers part time you can save money.
17. Ditch the paper products
Do you still use paper napkins and paper towels? Cut the cost and the waste by switching to reusables. Our household switched over to cloth napkins and has never looked back.
In fact it is one of the best choices we made in our money saving kitchen.
18. Stop paying for daycare
I’m going to stop you before you question my logic. Every situation is different and therefore every child care situation is different.
What I’m suggesting is a child care swap and a great money saving tip. Maybe you want to have a date night with your husband and a friend needs a sitter next week.
Instead of paying for daycare, swap child care with each other. No money exchanges hands, just time.
19. Frugal family fun night
Skip the dinner and a movies or the high cost amusement parks and have a fun frugal family night in.
20. Cut the cable
How much do you pay for cable monthly? Are you really using it? If you are looking for a cheaper alternative try Amazon Prime Video. You get HBO and Showtime and so much more for a fraction of the cost of cable.
21. DIY your home repairs
Are you looking to repaint the bedrooms or repair the plumbing in the kitchen? Try doing it yourself before you call in the over priced repairman.
If you question how to do a repair checkout tutorial videos on Youtube. My husband fixed our dryer after watching a how to video on Youtube and it saved us over $200 in service charges and parts.
22. Call you broker or the bank
Are you paying to much in banking and interest fees? Call your bank and/or mortgage broker and ask if a better rate can be applied or if they have any other money saving tips.
23. Barter or trade for what you need
Do you have a skill or supplies your neighbors need? Do they have something you require? Try bartering or trading goods instead of spending the cash.
24. DIY your gifts
Gifts can get expensive. Whether it’s holiday season or birthday’s try giving a gift you created. Maybe your crafty or maybe you crochet. Personalized gifts are the best.
25. Cancel the things you don’t need
We all have them, automated deliveries, subscriptions, online programs, pay as you go apps. Cancel the ones you don’t use.
Are you paying for paper bank statements when you can check online? Are you paying for cable channels you don’t use? Are you paying for extra insurance coverage you don’t need? Check the fine print and see where you can save.
26. Turn it off
I know it sounds crazy and it’s the most frugal money saving tip of all. Turn it off when you aren’t using it. Save yourself the energy costs by tuning off items you aren’t using.
27. Saving money on holidays
Everyone needs a vacation. Time off to relax and rest. But holidays can get expensive. Save on your next holiday by staying in a home instead of a hotel.
You get all the comforts of vacation accommodations but with a ton of savings.
You could be enjoying the comfort of an entire house including the kitchen (saving money on meals) for less than hotel fees.
Think about it with Airbnb you could be staying in a full house, with kitchen, multiple rooms and bathrooms, patios and so much more or you could be staying in a 300 sq. ft. hotel room.
I vote for more space and the money savings. Plus if you want to get a taste of the local culture home stays are where its at. Sign up for a free Airbnb account today and earn a $60 credit towards your next vacation!
28. Saving money on flights, car rentals and entertainment
The costs for a holiday can add up. Save yourself some money by traveling during the off season, booking cheaper flights. Compare your car rental options and save.
Look into local coupon books and money saving tip options for entertainment and dining out. Contact your vacation destination tourist center for more information.
29. Live & be local
Your town has a lot to offer. Local farmers markets and businesses are where the savings at. Look into your local CSA program to save on produce.
Does your town have a local library where you can read books, use the wifi or rent movies? What about a community center or recreation facility?
Local parks and hiking trails are great for frugal fitness and family activities.
30. Be content and grateful
As humans we always want more. The grass will always be greener on the other side. We are marketed to and convinced we need to keep up with the Joneses and bigger is always better.
In a frugal home bigger isn’t always better and last years styles are still in fashion. Home cooking is a great money saver and being content with what you have is the biggest frugal tip of all.
Updated February 24, 2020