101 Super Frugal Money Saving Tips (2024)

Super Frugal Tips

Home is where you raise your family. Where you gather with friends. It is also the main source of your expenses. Running a household be it on a single income or a dual income can be hard in any economy. Discover 101 Super Frugal living tips designed to help you save money.

What Is Super Frugal Living?

Frugal living is the simple act of living well on less. Living below your means and not spending all of your paycheck. Making smart choices with your money and planning for your future.

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Super Frugal Living & Save Money

Living below your means and making smart money choices will help you spend less which means you save more. A common frugal living choice is to meal plan and make homemade meals. This is a huge money saver versus the cost of take out or dining out at a restaurant.

The Importance Of Being Super Frugal

Being frugal is important if you are looking to save any amount of money, pay down debt, save for a vacation or retire. Simple smart money choices now can make a world of difference later.

Related Frugal Money Saving Posts:

  • Secret Must Haves Of A Frugal Home
  • Learn What We Stopped Buying To Save Money
  • 100 Best Instant Pot Recipes

Money Saving Tips

One tip may save you several dollars. Two or three tips may save you up to $100 dollars a week. Try five or six super frugal tips and you could be on your way to saving for a holiday or helping yourself get out of debt.

Saving Money & Frugal Living

Think about how much you could save this week if you packed your lunch and coffee to go? You could save up to, if not more that $75 a week.

Super Frugal Life Hacks

What if you turned the heat down a bit how much would you save? What if you carpooled to work or planned all your errands together how much would you save?

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Super Frugal Household Tips

What if you downsized to a smaller house how much would you save in mortgage/rent or utilities payments?

Think about all the money you could save by making just a few small changes.

101 Super Frugal Living Tips To Save MoneyOn Household Expenses:

1. Assess where all your hard earned money is going. (see message below)

2. Enjoy the benefits of a budget

3. Use the cash only envelope system

4.Learning how to pay down your debt

5. Contact your bank for a cheaper rate on your checking account

6. Contact your mortgage broker about a cheaper rate

7. Become a one car family

8. Ride your bike, walk or use public transport

9. Make your own laundry soap

10. Run your washing machine and dishwasher only when full

11. Run your washing machine on the cold water cycle

12. Invest in good money books

13. Turn off lights that aren’t being used

14. Cut the cable

15. Cancel your landline telephone

16. Stop using the pay as you go apps on your phones

17. Unplug appliances that aren’t being used

18. Turn the heat down and save on electricity

19.Fix leaky faucets

20. Turn the water off while you brush your teeth

21. Hang your clothes to dry. Use a clothes line in the summer and a drying rack in the winter

22. Check the sales flyers

23.Use coupons when you grocery shop

24.Make a grocery list and budget and stick to it

25. Buy bulk, divide and freeze

26. Cook from scratch

27.Meal plan

28. Eat your leftovers

29. Pack a bag lunch (For a warm lunch on the go try this.)

30. Ditch your single use paper and plastic items

31. Grow a garden

32. Preserve the bounty of your garden by canning, dehydrating

33. Turn the lawn into a garden and grow your own food, no more mowing the lawn

34.Switch to cloth napkins

35. Save your coins in a jar

36. Learn to do your own repairs

37. Swap tools and skills with friends

38. Downsize your home if you can

39.Stop buying these things and save money

40. Sell stuff you don’t use

41. Don’t buy stuff to impress people

42. Make your own cleaning solutions using vinegar, water and baking soda

43. Use it, mend it, re-purpose it, recycle it

44. Cut up old shirts and use them for cleaning rags

45. Trade your goods and skills with others to save money

46.Workout at home, skip the gym

47. Buy used clothing instead of new

48. Purchased used, vintage furniture instead of new furniture

49. Try Youtube, if something breaks or you need to learn something.

50. Stay home and enjoy what you have

51. Plan a no spend weekend

52. Opt to buy generic goods to save money

53. Plan a meal swap

54. Weatherstrip the windows and doors

55. Ensure your furnace and hot water tank are maintained

56. Keep emergency cash handy

57. Be prepared for all seasons

58.Learn what you can freeze to save money

59. Don’t wait till the last minute with anything, repairs, groceries, planning and etc

60. Cut back on entertainment expenses

61. Taking in free kids classes at your local craft stores, hardware stores and library

62. Do your own housework, baking, landscaping and maintenance work

63.Purchase quality items that will last

64. Learn to say no

65. Learn to take shorter cooler showers

66. Only fill the bath 1/2 full for bath time

67.Learn to knit, crochet and sew

68. Learn to use household tools

69. Do your own painting and redecorating

70. Compost your food waste

71.Use money saving apps

72. Plant fruit trees and berry bushes

73. Shop local

74.Use reusable bags, re-purpose your plastic bags

75. Buy energy efficient appliances

76. Install low flow toilets and shower heads

77. Maintain all gas and wood burning fireplaces and heaters

78. Learn how to make money online

79. Opt for slippers, sweaters and blankets before turning up the heat

80. Replace all your light bulbs with LED bulbs

81. Start living with less

82. If you don’t have a tool or appliance borrow it, or rent it instead of buying it

83. DIY your gifts

84. Plan staycation holidays

85. Plan your errand to save time and gas

86. Invest in a good slow cooker

87. Buy cheaper cuts of meat or opt for meatless meals

88. Buy larger portions of meat and portion them off in different cuts

89. Drink more water and less pop and juice

90. Plan cheap but amazing dates

91. Use reusable soap dispensers

92. Freeze your leftover vegetables to use in soups and bone broths

93. Invest in a good coffee maker or tea pot and bring your own coffee or tea with you

94. Have open communication with your spouse regarding money, goals and life

95. Plan potluck dinner parties with friends instead of eating out

96.Learn to cook something new, variety is the spice of life

97. Eat more beans and rice dishes

98. Eat more vegetarian meals

99. Cut down on the electronic use, unplug and enjoy family time

100. Start saving for retirement

101. Learn to live without

Saving Money

Assess where all your hard earned money is going. One of the keys to saving money is knowing where all your money is going. It maybe going to rent or to utilities or to coffee and a treat.

Frugal Budgeting Tips

Gather up a weeks worth of receipts, a month would be better. Calculate where all your funds are going. Take a quick calculation of what you spent on groceries, housing, utilities, entertainment and so on.

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Saving Money On Household Expenses

Once you have figured out where all your money is going figure out if you can cut any of these items out to help you save on your household expenses.

Cutting Expenses In A Super Frugal Home

For example do you eat out a lot? Could you cut back a start cooking more homemade meals? Or maybe you pay huge daycare fees.

How To Cut Costs In A Frugal Home

Is there a way you can cut those costs down? Such as work from home one day a week or swap babysitting with a friend? Where can you cut back and start saving?

Frugal Money Saving Must Haves

How To Stop Spending Money And Start Saving

Once you have assessed your spending habits you can determine what you need to stop spending money on. You can learn about all the stuff we stopped buying to save over $1000 a month.

Stopping even the smallest of purchases will make a difference over time. For example your daily coffee run if you opted to bring coffee from home could save you approximately $25 per week or more.

Ways To Save Money In A Frugal Home

Saving money is simpler than you think. Take the coffee example above. By making coffee at home Monday thru Friday you save money. You can also cut your household expenses by washing your laundry in cold water and hanging them to dry.

Above there are over 100 different frugal ways to save money. Another great way to save money is learning to budget.

Learning To Budget Frugally

Yes, I know it sounds boring and complicated but in fact it’s real easy and it’s the best way to save money. If you would like to learn more about budgeting checkout our 21 Days of Saving Challenge.

♥ More About Saving & Simplicity

Welcome! I am so glad you are here I am Cynthia, primary frugal mom blogger at Saving & Simplicity.

Where you will find frugal, money saving posts and articles along with DIY projects, cheap & easy recipes and so much more.

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Updated June 25, 2022

101 Super Frugal Money Saving Tips (9)

101 Super Frugal Money Saving Tips

101 Super Frugal Money Saving Tips (2024)

FAQs

How to be insanely frugal? ›

12 Tips for Frugal Living
  1. Choose quality over quantity. ...
  2. Prioritize value over price. ...
  3. Use credit wisely. ...
  4. Declutter regularly. ...
  5. Use a budget to guide your spending. ...
  6. Know the difference between wants and needs. ...
  7. Be a savvy consumer. ...
  8. Prioritize your values.
Oct 17, 2023

How to save $1,000 easily? ›

Dave Ramsey's 9 Ways To Save Your First $1,000 Fast
  1. Cancel Subscriptions. ...
  2. Bring Your Own Lunch. ...
  3. Avoid Coffee Out. ...
  4. Re-Sell Old Items. ...
  5. Shop at Cheaper Grocery Stores With Rewards Programs. ...
  6. Buy Generic. ...
  7. Join a Carpool. ...
  8. Pick Up a Side Hustle.
Dec 28, 2023

What is the best budgeting and saving tips? ›

If you are struggling, try using the 50/30/20 approach to budgeting. This means allocating 50% of your take home pay on your needs (bills, food, minimum debt payments), 30% on wants (eating out, leisure, sport, etc) and 20% towards future you (saving for emergencies, short term and long term goals).

What are the 3 tips on how to frugal and to responsibly manage funds? ›

7 Money Management Tips to Improve Your Finances
  1. Track your spending to improve your finances. ...
  2. Create a realistic monthly budget. ...
  3. Build up your savings—even if it takes time. ...
  4. Pay your bills on time every month. ...
  5. Cut back on recurring charges. ...
  6. Save up cash to afford big purchases. ...
  7. Start an investment strategy.
Jun 27, 2023

How to live on very little money? ›

These seven tips may be able to help.
  1. Understand your current financial habits. Not sure how to start spending less? ...
  2. Create an effective budget and stick to it. ...
  3. Look for ways to reduce spending. ...
  4. Set financial goals for future success. ...
  5. Save for emergencies or major purchases. ...
  6. Pay down debt. ...
  7. Stay aware of lifestyle creep.

How to live frugally on one income? ›

Living on a one-income budget
  1. Assess your financial situation. Start by understanding your current financial status. ...
  2. List fixed expenses. ...
  3. Track changing expenses. ...
  4. Differentiate needs vs. ...
  5. Set financial goals. ...
  6. Create an emergency savings fund. ...
  7. Allocate for savings. ...
  8. Start a debt repayment plan.

How to save $5000 in 100 days? ›

It works like this: Gather 100 envelopes and number them from 1 to 100. Each day, fill up one envelope with the amount of cash corresponding to the number on the envelope. You can fill up the envelopes in order or pick them at random. After you've filled up all the envelopes, you'll have a total savings of $5,050.

What is the 50 30 20 rule? ›

The 50-30-20 rule recommends putting 50% of your money toward needs, 30% toward wants, and 20% toward savings. The savings category also includes money you will need to realize your future goals.

How to save $5,000 ASAP? ›

Ways To Save $5,000 in a Year
  1. “Chunk” Your Savings. The first step to saving $5,000 in a year is to break down your savings goal into manageable portions. ...
  2. Automate Your Savings. ...
  3. Save in a High-Yield Saving Account. ...
  4. Track Your Cash Flow. ...
  5. Boost Your Earnings. ...
  6. Declutter for Cash. ...
  7. Evaluate Your Subscriptions. ...
  8. Challenge Yourself.
3 days ago

What is the #1 rule of budgeting? ›

The 50/30/20 budget rule states that you should spend up to 50% of your after-tax income on needs and obligations that you must have or must do. The remaining half should be split between savings and debt repayment (20%) and everything else that you might want (30%).

What is a realistic budget to save money? ›

We recommend the popular 50/30/20 budget to maximize your money. In it, you spend roughly 50% of your after-tax dollars on necessities, including debt minimum payments. No more than 30% goes to wants, and at least 20% goes to savings and additional debt payments beyond minimums. We like the simplicity of this plan.

How to get out of living paycheck? ›

  1. Take care of your Four Walls first.
  2. Cut extra expenses.
  3. Start an emergency fund.
  4. Ditch debt.
  5. Increase your income.
  6. Live below your means.
  7. Save up for big purchases.
  8. Remember your why.

How to be wise with money? ›

Adopt these seven habits of the financially savvy and you'll become smarter with every dollar.
  1. Make a plan. ...
  2. Save for the short term. ...
  3. Invest for the long term. ...
  4. Use credit wisely. ...
  5. Choose a reasonable rent or mortgage payment. ...
  6. Treat yourself. ...
  7. Never stop learning.

Is extreme frugality a disorder? ›

Fear of spending money or excessive frugality is sometimes known as Chrometophobia, a Specific Phobia related to money. Fears about spending money may also be involved in obsessive-compulsive disorder (OCD).

What causes extreme frugality? ›

Unsurprisingly, OCPD can sometimes manifest in extreme frugality, explains Dr. McGrath. Someone with OCPD might view money as something to hoard rather than something to spend. They could also have fears about the future that are tied to their finances, and so view spending money as a “bad” thing, no matter what.

Is it possible to be too frugal? ›

While I consider myself frugal, there are instances where saving money isn't worth the additional time investment. Let me share a story illustrating how excessive frugality cost me my health, productivity, and happiness.

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