20 Money-Saving Tips Frugal People Are Not Ignoring

The importance of money in our lives cannot be understated. It is what keeps a roof over our heads and food in our stomachs and lets us live our lives.

Having a savings cushion is as important as earning money.

To mitigate the effects of such uncertainties, people must build a habit of saving money. The problem is we often ignore such simple acts as a Reddit user puts it this way:

“What’s something very simple that people could be doing to save money but don’t?” 

Here are some of the best responses underneath this post that tell users what they can do to save money.  These responses provide great insights into how simple it is to save money, with some anecdotal and funny responses. 

1. Stop Entering Shops When Hungry

Shocked young african american woman holding shopping bag and checking grocery receipt, emotionally reacting to big prices for organic healthy food, standing with open mouth over yellow background.
Image Credit: Prostock-studio/Shutterstock.

One user exclaimed, “Never enter a shop when you are hungry.” 

This user hits home with valid and often overlooked side effects of being thrifty when hungry. People often think differently and order a lot of food or spend on snacks when hungry, thus wasting resources. It is better to plan your meals and eat other filler materials to satiate your hunger. 

Another user agreeing with the above comment responded, “And write a list! I buy a lot less when I have a list to stick to.” Another useful way to stop wasting money is to stick to a list of things for the things you need rather than things you want. 

2. Home-cooked Food

Young couple cooking salad and holding paper towel in kitchen
Image Credit:
EdZbarzhyvetsky via DepositPhotos.com.

A user wrote about this as a good way to save money, “Cook at home 98% of the month

Another user added about the benefits of cooking food in smaller quantities, “I’d like to add on to this, for me it helps to shop more often in smaller quantities and only get what I need for a few days (for fresh food). I am a single person, cooking for one.”

One user finds the comment spot on and responds, “Probably the #1 wallet hack for so many people.”

3. Using Free Public Resources

Attractive young woman wearing pink pale shirt with dots and fashionable glasses holding a stack of books in the library surrounded by bookshelves with colorful books.
Image Credit: diignat/Shutterstock.

For this user, this is a simple hack that saves a lot of money, “Make use of free services. Mostly, the local library. Sometimes there’s a feeling that just because it’s free it’s trashy or peasant-like. I don’t need to pay to see something in order to feel good about it. And libraries are amazing! Free books! Audiobooks! So many things.”

One user adds his own experience as follows, “Yes!! I just got a Library card yesterday and checked out books that were in my Amazon cart instead of buying them!! It’s so nice.”

Another user finds the library more useful than just boring books, “My library has tools and equipment available to borrow. Before going to big orange to rent a pressure washer, floor sander, paint sprayer, or post auger, I always check the library first lol”. 

4. Good Hygiene Saves Huge Bucks

Playful Young Woman Holding Toothbrush in Bathroom
Image Credit: racorn via DepositPhotos.com.

A user tells us a simple way to save money: “Take care of your teeth: brush and floss everyday – preventative care now will save you THOUSANDS later if you need major dental work.” 

Another user explains his life experiences and tells the audience to follow the above tip, “Yup. This is often overlooked advice. My mom had lost most of her teeth by the time she was my age (40). She always said that this was her biggest regret in life. Because of this, my siblings and I have always been pretty good about taking care of our teeth. Right now my mom has dentures that don’t fit well because she lost another of her remaining teeth but can’t afford new dentures.”

Users continue to express in unison, “Can confirm! Just spent 20,000 on my teeth. Talk about eye opening!!!” 

5. Stop Using Door Dash!

Woman eating pasta
Image Credit: belchonock via DepositPhotos.com.

One of the simplest ways to save money, as expressed by a user, “Stop using door dash.”

Another user seconded this by saying,’ This. Your meal is easily 50% more expensive when you factor in delivery fees and a tip, and some restaurants charge more on door dash than they do in-person.”

This user explains a pickle related to the service, “And to make it worse, I tell myself that I have to order more food to justify the delivery fee!

So now just paying more and overeating.”

6. Thrift Shopping

woman smiling through clothes at thrift store
Image Credit: Krakenimages.com via DepositPhotos.com.

One user talks about the idea of buying second-hand items, “Shop secondhand. You can buy most everything in pretty good condition.”

Another user agrees with this sentiment and says, “Honestly, quality of new clothes nowadays is such garbage. Fabric and stitching come apart in the wash before it’s even worn. I find better quality in second hand stores/thrifting than new. If an item has made it to the shelves of a thrift store, I figure it’s lasted long enough to get there.” 

7. Stop Drinking!!

man toasting with beer
Image Credit: DmitryPoch via DepositPhotos.com.

A user observed this to be a simple yet effective way to save money, 

“Stop drinking soda

Stop drinking alcohol

Cook your own meals.”

This user followed this advice and doesn’t regret it, “The amount of money I spent on cocktails in my early twenties makes me cringe every time I think about it. I’m so glad I don’t drink anymore (my wallet’s glad too)”

8. Stop Driving Fast

man very frustrated in car.
Image Credit: olly18 via DepositPhotos.com.

A user shares a simple piece of advice, “Drive the speed limit.”

Another person explains this simple advice by saying, “For those that don’t get this: driving the speed limit avoids citations but also saves you gas, extends oil life and tires some, extends brakes quite a bit, and just generally lowers the wear and tear on your vehicle.”

One user is amazed this advice is not more popular already, “This is so underrated, I don’t think enough people realize the extra cost of driving fast.”

9. Stop Updating Your Phone Each Year

woman smiling at phone in her hand
Image Credit: marinademeshko via DepositPhotos.com.

A Reddit user said, “Don’t buy a new phone every d*** year. There’s no point.”

Another user in agreement replied, “Especially these days. Back when smartphones were new, yeah, maybe because the tech was significantly better for each generation. Now, not so much. I have a galaxy s20+ and my SO has an S21, there’s almost no noticeable difference in functionality aside from battery life just because mine has been used for 2 years longer (got mine when s20 was just released, got his just before s22 was released)”

10. Stopping Car Payment

The beautiful girl at a car wheel
Image Credit: belarry via DepositPhotos.com.

One user shared this simple technique to save money, “Try to live without car payments.” 

Another user commented, “Seconding this. My new car (w payments) was totaled and I got enough back to buy a new one completely cash and it has been nice having that extra 150-200 a month”

A third user seconded the above, “I was told by so many people that it’s better for your credit to have a car payment but after financing a Honda whose engine needed to be replaced after 6 months, I’m done. I will only ever buy outright”

11. Stop Accruing Debts

young curly girl posing isolated over yellow wall background holding credit card and money
Image Credit: Vadymvdrobot via DepositPhotos.com.

One person shared this as a warning, “Pay off your credit cards even if you have to take out a loan to do it. Afterwards, pay them off each month. Do NOT carry a balance on your credit cards.”

Another user summarized the above, “Or put another way: if you don’t have it, don’t spend it. Credit cards should be considered the same as cash spending”

12. Have Rich Parents

retired couple sitting on beach
Image Credit: dmbaker via DepositPhotos.com.

One Redditor said on a lighter note,” Have rich parents. A very simple trick to avoid money problems.”

Another user chimed in by saying, “Yep, it’s true what they say after all.

“The easiest way to become a Millionaire is to start as a Billionaire”

13. Having a DIY Attitude

Repairman with tools
Image Credit: pressmaster via DepositPhotos.com.

One person shared this, “fix stuff by yourself.

You can’t imagine how many times I saved $$ cos i fix stuff by myself… repaired my 9yo desktop PC some days ago, a pair of trashy electrolytic capacitors, and BAMM!! it works like a charm again”

One user thought the above to be very underrated, “Such an underrated comment. I’ve saved thousands of dollars by repairing things myself following YouTube videos. Washer, dryer, automotive stuff, cell phone screen replacements, etc.”

14. Do Your Own Taxes

Tax time - Notification of the need to file tax returns, tax form at accauntant workplace.
Image Credit: Bychykhin Olexandr/Shutterstock.

One Reddit user shared this as a valid way to save money: “For Americans, do your taxes. For most, it’s not difficult. The chain tax preparers charge way too much for basically 20 min of data entry.”

Another user agreed, ” For Americans, do your own taxes. For most, it’s not difficult. The chain tax preparers charge way too much for basically 20 min of data entry.”

15. Stop Wasting Money on Buying Extra Storage

Happy couple opening boxes
Image Credit: Wavebreakmedia via DepositPhotos.com.

One user advised the following, “More prevalent in the US, but get rid of your storage unit and most of the stuff in it. More often than not, you’re paying more to store things than it would cost to buy them all again.

If you can’t fit it in your home, re-evaluate if you really need it.”

One Redditor questioned the need for such extra storage, “There are so many huge storage unit buildings in my area and it makes no sense to me. How important can this stuff be if you can’t fit it in your home? I understand there are certain situations that require a short-term solution”

16. No Smoking!

Photo of terrified young female try to avoid annoying person asking to stop isolated on yellow color background.
Image Credit: Roman Samborskyi/Shutterstock.

A simple piece of advice by one Reddit user reads, “Quit smoking”

One user explained his journey: “Save money now and later when cigarettes inevitably start to cause health issues. Glad I quit.

17. Buying With Credit Cards To Get Bonus Points/Cashback

Happy curly woman shopping online with credit card and laptop
Image Credit: IgorVetushko via DepositPhotos.com.

One user commented, “Buy everything with cashback/reward credit cards. It’s free money, I make around 200$ per month with it. It’s not much but it’s def better than nothing.”

Another user agrees with this technique, “I do this. It’s a premium card and has a $95 annual fee but it does bonus cash back at grocery stores and gas stations. I buy all my normal monthly needs, never carry a balance, and my cash back covers the fee. I get all the protections from shopping with a credit card plus I have excellent credit from regularly using and paying it. They keep raising the limit so my debt to available credit ratio is awesome.” 

18. Get a Savings Account

Amazed woman hold moneybox, piggy bank for savings
Image Credit: Tverdohlib.com via DepositPhotos.com.

A Redditor advises the following “Save money. In other words, earmark a percentage of your paycheck and put it into an account that is intentionally difficult from which to withdraw, and make sure it’s interest-bearing.”

One Redditor asked how it would work, “I’ve been trying to figure out how to make my savings account difficult to access. If you have any tips on this, I would love to hear them.

To that, another user explained by saying, “Sure, make it a separate account or at a separate bank with no ATM card and no online access, so that you have to go to the bank to withdraw any money. Or you can open a restricted savings account or a CD.”

19. Home-made Dough/Pizza/Buns

Lovely cute positive young woman hiding behind pizza
Image Credit: Vadymvdrobot via DepositPhotos.com.

One Redditor wants a home-cooking revolution, “Learn to make dough (pizza, buns), noodles, tortillas”

Another user replied with his own experience, “I make anything and everything I can from scratch. Attempting to establish a sourdough starter which has proven difficult, but I’m committed.” 

20. Budgeting Your Expenses

young woman trying to budget
Image Credit: Elnur_ via DepositPhotos.com.

One user has this important advice for fellow Redditors, “Make a budget to see where your money is going.” 

Another Redditor agrees with the above, “This. Finding out that you are overspending can help so much. After a year, saving $50 a month is an extra $600 for emergencies.” 

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Image Credit: EDSON DE SOUZA NASCIMENTO/Shutterstock.

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Millennial Hipster Girl Holding an Audio Tape Cassette and a Pencil
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Hi! I am a millennial mom with a passion for personal finance. I have always been “into” personal finance but got inspired to start my blog after a period of extended unemployment. That experience really changed the way I viewed my relationship with money and the importance of accessible personal finance education.