15 Frugal Ways You Can Save Money Today (2024)

I’m all for using frugal ways and saving money each and every day! Here’s the deal, you can start with the ideas I am sharing today and add more as you think of them yourself. I have written about giving up paper and plastic products several times, but I feel inspired today to refresh our memories on how easy it is tosave money. You may remember the picture below that shows my handy dandy cloth (paper) towel,holder.

I’m sure there are even more ways to save money by using cloth or reusable containers, etc. Here are some of my favorite ones. Thankfully, I’m old enough I don’t have to use those lovely menstrual pads and such, but I would use these today to save money as shown below.

Table of Contents

Frugal Ways

1. Paper Towels

I must admit I do not like shopping at any grocery store, so it’s one less paper towel I have to purchase only to throw it awayafter it’s used. Please keep in mind I use paper towels for bacon to drain on and toss the greasy sheets. Once you start using cloth, it’s really hard to even walk by the paper towels at Costco.

I just think of the $$$$’s I’m saving. People may say, “what about all the water, power and soap you are using to wash the cloth items?” I get it, I really do. The trick here is to get these thin ones: Thin Diapers for Paper Towels


Please keep in mind I use regular paper towels for cooked bacon to drain the grease and toss them. Also, I have to wash my hand towels and wash clothes each week anyway, so have more to wash really doesn’t add to the cost since it’s generally one load per week.

2. Reusable Water Containers

This one is fairly simple because we just have to buy some stainless steel water jugs and refill them with our own “good water.” I use Reverse Osmosis, but you may have your own favorite water source. I’m not sure what water is really in the bottles we can buy filled at the local grocery store. I prefer stainless steel because it won’t break when the jug slips out of my hands. Here are some I like: Stainless Steel Water Jugs

3. Use Cloth Diapers

I know, I can hear some people now, “no way am I using cloth diapers.” Well, when Mark was in school we used cloth diapers and there is no way we would have had the money for disposable diapers. We also had zero student loans and most current grants were not available back in our day.

Read More of My Articles How To Save Money Each Month

Yes, you have to flip the poop off the diaper and soak them if you want, but money is money in my bank account. We have become a disposableculture. It needs to stop. Period. You can reuse the diapers and plastic pants for years. Yes, you may have a bigger investment, to begin with, but you can use the cloth ones for years. I mean years.

Here are some that are reusable: Cloth Diapers and Plastic Pants and Awesome Cloth Diapers

4. Tissues/Hankies

I use so many tissues for my nose I decided to ditch them and now I use cloth ones. I quit buying the paper ones and now use these: Cloth Hankies

5. Toilet Paper

Okay, I must put a HUGE disclaimer here. I have made hundreds of these for an emergency, but I have not used them, yet. Here’s my post where I show how to make them. Family Cloth-Reusable Toilet Paper

6. Clothesline/More Frugal Ways

Invest in a clothesline for two reasons, one to save money and to have a way to hang up your hand washed clothes after a disaster. These are my favorite clothespins: Kevin’s Clothespins

7. Change Out Light Bulbs

This is one way we have really cut our power bill. We slowly replaced our awful fluorescent light bulbs with LED ones. Yes, they may cost more up front and they often do not last as long as the box says they will. But, in the long run, my electric bill continues to drop. What to Use for Emergency Lighting

8. Cut Down On Germs

Now, this may sound crazy, but I swear by clean bathrooms, clean remote controls, clean light switches and clean phones/cell phones. Sometimes I think I am a germaphobic, isn’t that a word? Here’s the deal, if we keep things clean, we will stay well if we eat the right foods to boost our immune system. I still wish some churches had those hand sanitizer containers hanging on the wall. Just saw a report on TV that the flu season is going strong. Help prevent getting the flu by protecting against how it is passed from person to person. Items That Work as a Disinfectant

9. Beans-Once A Week

If you want to cut your grocery bill, eat beans at least once a week. Yes, I still eat my bean burrito without cheese every day. Good salsa is key to me. I love beans, but I grew up eating them at least two or three times a week. I add some rice and some fresh Cilantro, tomatoes in the summer and I’m good to go with just about any meal. How To Cook Beans and Save Money

10. Pasta-Once A Week

I grew up eating spaghetti at least once a week and I still love it, even without meat. Mark has a bag of frozen cooked hamburger with onions he can add to his plate. I use a frying pan with two pounds of hamburger and two white onions chopped and cook it until done. I drain the fat, if any, cool it, and freeze it in a bag. Mark can scoop out the amount he wants with his pasta meal.

Read More of My Articles How to Save Time and Money with Grocery Shopping

11. Cook From Scratch

Everytime you stay out of the store, grocery, big box or whatever, you will save money if you plan ahead. Write down the things your family eats the most each week and watch for sales on those products. Stock up and save money. If you cook more meals from scratch you will save money in the long run.

Now that my family is down to two people, I buy case lot sales of vegetarian refried beans. Yes, I could buy the bag, but for now, the cans work great for me. I work full time on my blog and I have to cut my time in different ways. Buy what you will eat and store it, you may need it sooner than you think. Please be prepared for the unexpected. 11 Things Every Pantry Needs To Cook From Scratch

12. Make Bread

I know a lot of people have gluten issues, but if I didn’t make bread my grocery bill would be crazy high. Plus, I have made bread for so many years, I’m fussy about bread. I love my white bread, whole wheat bread, and cinnamon rolls to name a few. How To Make Bread by Linda

13. Plant a Garden

Now’s the time to prep your garden spot. If you don’t have a place to put pots to grow some vegetables or fruits, see if your city has a community farm where you can participate.12 Budget-Friendly Beautiful Garden Tips

14. Pay Extra On Your Mortgage

As you may know, I used to do mortgages and I owned my own company for about 15 years. I will be writing about mortgages very soon, but one thing I want to say today is this, pay more than your regular payment so the extra will be applied to the outstanding principal amount. Be sure and label it “extra principal.” Set up your house payment to come out of your account as close to the 1st of the month as you can. You will save interest, lots of interest, over the years. 12 Ways to Reuse Broken Household Items

15. Pay Extra Towards Your Car Payment

If you can afford to pay cash for a car, you rock. For those who can’t pay cash, pay extra towards the principal on your loan. If your payment is $325.00, pay $350.00, or whatever you can afford to be applied to the principal. You will have your car paid off sooner than expected and pay a whole lot less interest.

More Money Saving Tips

  • 58 Frugal Kitchen and Pantry Items You Need
  • 101 Frugal Meals You Can Make Any Day
  • 101 Frugal Items You Need For Survival

Final Word

These are just a few frugal ways to save money. I know tough times are coming ahead, please be prepared for what our economy may do in the future. We must be prepared.

Copyright picture:AdobeStock_10520601 by Andy Dean

15 Frugal Ways You Can Save Money Today (2024)

FAQs

How to be frugal and save money? ›

Ten Frugal Habits to Save Money
  1. Track Spending.
  2. Automate Your Savings.
  3. Save Loose Change.
  4. Compare Prices & Comparison Shop.
  5. Avoid Spending Triggers.
  6. Shop Second Hand.
  7. Save Windfall Income & Use a Spending Rule of Thumb.
  8. Institute a Waiting Period.

How to live very frugally? ›

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 be frugal but not cheap? ›

How can I be frugal without being cheap?
  1. Focus on the big picture. Don't worry about the little things. ...
  2. Don't be afraid to splurge on things you love. It's okay to spend money on something you really want if it's something you really want. ...
  3. Find ways to save money that are fun.
Aug 22, 2023

How to save as much money as possible? ›

8 simple ways to save money
  1. Record your expenses. The first step to start saving money is figuring out how much you spend. ...
  2. Include saving in your budget. ...
  3. Find ways to cut spending. ...
  4. Determine your financial priorities. ...
  5. Pick the right tools. ...
  6. Make saving automatic. ...
  7. Watch your savings grow.

What is the 30 rule for money? ›

The idea is to divide your income into three categories, spending 50% on needs, 30% on wants, and 20% on savings. Learn more about the 50/30/20 budget rule and if it's right for you.

What is the 70 money rule? ›

Living expenses should consume 70% of after-tax income, covering necessities and discretionary spending. Savings and debt repayment are prioritized at 20%, focusing on high-interest debts and building emergency funds.

How to be extremely cheap? ›

I should note that I do most, but not all, of these tips.
  1. Go with one car. Many families have two or more cars. ...
  2. Go with a smaller house. ...
  3. Go with a smaller car. ...
  4. Rent rather than own. ...
  5. Look for used first. ...
  6. Eat out less. ...
  7. Eat out frugally. ...
  8. Brown bag it to work.

What is toxic frugality? ›

Frugality is the practice of being wise with money and avoiding wastefulness. It's a virtue that many people admire. It fosters responsible financial habits and can lead to a more sustainable life. But there's a darker side to frugality that can be detrimental to our quality of life. This is known as “toxic frugality.”

How to live frugally on one income? ›

In a Single Income Household? Here Are 10 Tips to Live More Frugally
  1. Cook at home. Eating out can be expensive, especially if you do it frequently. ...
  2. shop smart. ...
  3. Cut back on expenses. ...
  4. embrace diy. ...
  5. Shop second-hand. ...
  6. Use public transportation. ...
  7. Save for emergencies. ...
  8. Remove Apple Pay from your phone.
Mar 16, 2023

How can I save $1000 fast? ›

Financial expert Dave Ramsey has a lot of ideas on the subject, and here are some of the most practical ways to save your first $1,000 quickly.
  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.
Dec 28, 2023

How to save money when you have none? ›

11 Foolproof Ways to Save Money On a Low Income
  1. Create a Budget. ...
  2. Open a Savings Account or Savings Pod. ...
  3. Drop Unneeded Monthly Memberships. ...
  4. Take a Hard Look at Your 'Unavoidable' Expenses. ...
  5. Save Money on Food. ...
  6. Save Money on Utilities. ...
  7. Commit to Buying Nothing New. ...
  8. Change Where You Keep Your Money.
Jan 4, 2023

What is the 50 30 saving rule? ›

Key Takeaways. 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%).

How to pinch every penny? ›

Embrace the Power of Frugality

Whether it's cutting back on unnecessary expenses, finding ways to reuse or repurpose items, or hunting for the best deals and discounts, adopting a frugal mindset can help you stretch your dollars further and build a solid financial foundation.

How can I become financially stable with little money? ›

How To Become Financially Stable: Eight Achievable Steps
  1. Set A Budget And Stick To It. ...
  2. Save, Save, Save. ...
  3. Live Within (Or Below) Your Means. ...
  4. Establish An Emergency Fund. ...
  5. Pay Down Your Debt. ...
  6. Invest In Yourself And Your Retirement. ...
  7. Monitor Your Credit Score. ...
  8. Don't Be Afraid To Enjoy Life.
Jan 4, 2024

What are the disadvantages of being frugal? ›

“Unfortunately, many people become spending-phobic in their quest to live a more frugal life, which can lead to anxiety around money,” she explained. “In the worst instances, people may become overly hesitant to spend money on even essential items, which can lead to a lower overall quality of life.”

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