35 Super Easy Frugal Living Tips To Try This Year

Taking control of your finances and working towards a more secure financial future is a goal many of us have. Adhering to a few frugal living tips is an excellent way to start saving extra cash and getting control of your finances.

To help you reach your financial goals, we’ve compiled a categorized list full of frugal living tips to try this year that will help you get started!

Whether you’re aiming to build an emergency fund, reduce debt, or save, these frugal living tips are your roadmap to a more financially secure future. So, let’s dive in and start putting these strategies into practice today!

Budgeting and Saving

Create a Budget and Track Your Spending

Start your frugal living journey by creating a budget that outlines your income and expenses. Track your spending diligently to identify areas where you can cut back and save more effectively.

Set Financial Goals

Financial success begins with setting clear objectives. Define your goals, whether they involve saving for a vacation, building an emergency fund, or paying off debt. Having specific targets will help you stay motivated and focused on your finances.

Pay Yourself First by Allocating a Portion of Your Income to Savings Each Month

One of the most effective ways to save is by making savings an automatic expense. Allocate a portion of your income to your savings account as soon as you get paid, ensuring consistent savings without the temptation to spend it elsewhere.

Automate Your Savings

Set up automatic transfers to your savings account, making the process effortless. Automation helps you stay disciplined in your savings efforts.

Save Money for Specific Purposes

Designate different savings accounts for specific financial goals, whether it’s a down payment on a house, your children’s education, or your retirement. Having separate accounts keeps you organized and focused on your objectives.


Plan Your Meals Ahead of Time

Reduce food waste and save money by planning your meals in advance. This ensures you buy only what you need and reduces impromptu dining out.

Write an Organized Grocery List

A well-organized grocery list is your key to avoiding impulse purchases. Stick to the list to prevent overspending.

Look for Deals on Groceries

Explore different stores and utilize online tools to find the best deals on your groceries, from fresh produce to pantry staples.

Buy In Bulk When It Makes Sense

Bulk purchasing often results in significant savings, especially for non-perishable items that you use regularly.

Cook at Home More Often Than Eating Out

Homemade meals are not only budget-friendly but also provide healthier dining options for you and your family.

Grow Your Own Food

Consider starting a garden to grow your fruits and vegetables. It’s cheaper and gives you a chance to develop your green thumb.

Freeze Leftovers

Reduce food waste and save on meal costs by freezing and reusing leftovers.


Drive Less and Walk, Bike, or Take Public Transportation More Often

Reduce fuel costs and your carbon footprint by driving less and utilizing alternative transportation methods.

Carpool With Friends or Coworkers

Sharing rides not only saves money but also helps reduce traffic congestion and pollution.

Perform Regular Car Maintenance

Regular car maintenance can improve your vehicle’s fuel efficiency, saving you money in the long run.

Shop for Car Insurance Annually To Get the Best Rate

Insurance rates can vary widely, so shop around for the best deal each year to ensure you’re not overpaying.


Get a Roommate to Share Expenses

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Image Credit: Halay Alex/Shutterstock.

Sharing your living space with a roommate can significantly reduce your housing expenses. Splitting rent and utility costs allows you to enjoy the same amenities at a lower individual cost, freeing up funds for other financial goals.

Downsize to a Smaller Home

If your current living space is larger than necessary, consider downsizing. A smaller home typically means lower rent or mortgage payments, reduced utility costs, and potentially less maintenance, all of which can lead to substantial savings.

Make Energy-Efficient Improvements to Your Home

Invest in weatherization and energy-efficient appliances for your home. These upgrades can lower your utility bills and have a positive impact on the environment, making your living space both more affordable and eco-friendly.

Shop Around for a Better Homeowners Insurance Rate

Insurance premiums can vary, so it’s wise to review your homeowner’s insurance policy regularly. By shopping around for the best rate, you can ensure that you’re not overpaying for coverage while protecting your home and belongings.


Save Energy by Unplugging

Simple habits, like turning off lights and unplugging devices when not in use, can lead to significant electricity savings on your utility bills. It’s an easy way to lower your energy consumption.

Unplug Electronics When They’re Not in Use

Many electronics consume energy even when turned off. Unplugging these devices when they’re not in use helps cut energy costs and minimizes your environmental footprint.

Wash Your Clothes in Cold Water Whenever Possible

Most laundry can be done effectively with cold water, which reduces heating costs, prolongs the life of your clothing, and conserves energy.

Take Shorter Showers

Shortening your shower time conserves water and lowers heating costs. Simple adjustments in your shower routine can lead to noticeable savings on your water and energy bills.

Hang Dry Your Clothes Instead of Using the Dryer

Air-drying your clothes is energy-efficient and extends the life of your clothing. By making this switch, you reduce energy consumption and the wear and tear on your garments.


Cook at Home Instead of Eating Out

smiling chef tossing up frying bell peppers with frying pan.
Image Credit: LightField Studios/Shutterstock.

Eating at home is not only budget-friendly but also provides opportunities to experiment with new recipes and cooking techniques. It’s a cost-effective way to enjoy delicious meals while controlling your spending.

Watch Movies and TV Shows at Home Instead of Going to the Theater

Create a cozy home theater experience with friends and family by watching movies and TV shows at home. This approach avoids the higher costs associated with going to a cinema while offering a comfortable and personalized viewing experience.

Rent or Borrow Books and Movies Instead of Buying Them

Libraries and rental services provide a wide range of books and movies, allowing you to enjoy entertainment without the expense of purchasing it outright.

Take Advantage of Free Activities in Your Community

Parks, libraries, and museums often host free or low-cost activities that make excellent options for budget-friendly entertainment. Participating in community events is a fun and economical way to explore your interests.


Buy Used Clothes and Furniture Whenever Possible

Thrift stores and online marketplaces offer quality items at a fraction of the cost of new ones. Buying second-hand clothes and furniture can be an environmentally conscious and budget-friendly choice.

Repair Items Instead of Replacing Them

Learning basic repair skills can extend the life of your possessions and save you money in the long run. Fixing items instead of replacing them is both cost-effective and sustainable.

Make Your Own Cleaning Products and Beauty Products

Creating your cleaning and beauty products at home can be cost-effective and environmentally friendly. By using basic ingredients, you can make products tailored to your needs and reduce your exposure to harmful chemicals.

Give Gifts That Are Homemade or Experiences Instead of Material Things

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Image Credit: Efetova Anna/Shutterstock.

Homemade gifts or experiences, like a day out or a special dinner, can be more meaningful than material possessions. These gifts show thought and effort while also reducing clutter.

Borrow Items From Friends and Family Instead of Buying Them

Leverage your social network by borrowing items you may not need often. This approach saves you money and reduces clutter in your home, all while strengthening your relationships.

Ask for Discounts Whenever Possible

Don’t hesitate to ask for discounts at stores, service providers, and utility companies. In many cases, simply inquiring can result in significant savings over time, helping you stick to your budget.

Living Frugal Daily

Going frugal is all about taking small, everyday steps that add up to major savings over time. By using these frugal tips in your daily life, you’re actively forging robust money habits that will lay the foundation for a brighter financial future.

Steps to Better Finances

Enjoy a healthier savings account, the confidence to tackle life’s surprises, and a clear path to achieving significant milestones like homeownership or a worry-free retirement.

So what are you waiting for? Get ready for a financially secure future with simple, frugal living tips to try this year!

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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.