70+ Frugal Living Tips to Help You Spend Less Money

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Do you want to spend less money to help you reach your financial goals? Are you trying to be more intentional with how you are spending your money?

Maybe you have debt you want to pay off. Or maybe you want to learn how to spend less money and save more.

Whatever your specific money situation is, being more intentional with your money and embracing frugality can help you get where you want to be.

Frugal living is about making purposeful decisions with your money. It’s not about being cheap.

It’s about spending money on the things that mean the most to you and saving money on the things that don’t.

It really is as simple as that.

Now, living frugally does take some effort. It takes some planning. And it sometimes takes some research. But in the end, the effort you put into it will definitely pay off.

You will see positive results from your efforts.

Lots of good things can result from being intentional with your money. And putting in a bit of effort to save money will definitely benefit you. Here are some awesome benefits of spending less and saving more:

  • Having a larger savings account or emergency fund
  • Paying off debt sooner
  • Saving for large purchases more quickly
  • Sleeping better at night
  • Feeling less stressed about money
  • Reaching financial freedom or financial independence sooner

I’m also going to warn you that frugal living is addicting! Once you start seeing the positive results from being intentional with your spending, you will want to keep learning new ways to live more frugally.

So today I have a list of frugal living tips for you! The best way to go about your new frugal living journey is to pick a couple of tips from the list to try at a time.

Don’t try all of them at once! After you have tried a couple of the tips, then try a couple more. This will prevent you from getting overwhelmed.

It will help you gradually incorporate frugality into your life so you can spend less money and meet your financial goals!

I created a Frugal Living Workbook you can use to start spending less money so you can start saving more.

It includes a worksheet to help you develop your own frugal living action plan, 99 frugal living tips to give you some ideas, and a tracker to track your frugal wins.

You can grab your free Frugal Living Workbook here!

Okay, let’s get started!

spend less money with frugal living tips

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Frugal living tips to help you spend less money and save more

1. Create a budget and stick to it

Creating a budget is key to living below your means. If you need help creating one, I wrote a post about creating a budget. I also have a Budgeting Workbook you can download if you would like!

2. Learn to say no

Sometimes this can be so hard for people, me included. Whether it is saying no to someone at your door trying to sell you something you definitely don’t need or saying no to going out to eat when it’s not in your budget, try to start getting up the courage to say no when you know in your heart it is the right choice.

3. Have an emergency fund

Make a point to start putting money away every month. Even a few dollars every month will add up quickly and could prevent you from going further into debt if an emergency should arise.

4. Start a side hustle to increase your income

There are so many things you can do to increase your income which will help you to live more comfortably. Side hustles are great to diversify your income!

5. Have no spend challenges

A no-spend challenge can be perfect for getting your family back on track and spending less money.

DIY Gifts to spend less money

6. DIY gifts

Homemade gifts can be so much more meaningful than purchased gifts!

7. Buy items when on sale to give as gifts

Picking items up throughout the year when they are on sale is a great way to save on gifts. I love doing this for Christmas gifts because not only do I buy them when on sale, but it also spreads the cost out over the year, which helps me to stay within my budget.

8. Shop at Dollar Tree for certain items

I love Dollar Tree! Some of my favorite things to buy there are gift bags, tissue paper, wrapping paper, and greeting cards.

9. Stop impulse buys

There are many ways to stop your impulse purchases. I think the best way is to limit the number of times you go into a store. Also, don’t go shopping just because you are bored. And you could try using the curbside pick-up service when you shop.

10. Pay off credit card debt

Getting out of debt is essential to helping your money situation and decreasing your financial-related stress. As you are learning ways to live frugally to spend less money, use the money you save to pay down those credit cards.

11. Use credit card points

Use your credit cards responsibly and choose cards that offer great cashback perks. We love saving up our points to use toward items that we wouldn’t normally splurge on.

12. Do research to find the best deals

As I said, living more frugally will require you to do research to find the best deals on quality items, especially on higher-cost items that you want to purchase.

For example, we have been researching grills because we want a good quality grill that will meet our needs since we do 99% of our cooking at home.

So take your time, read the reviews, and compare prices to make sure you are getting what you need.

Spend less money on food

Frugal Living tips to help you spend less money on food

13. Meal plan

I am a huge advocate of meal planning so of course, this is number one on my list to help you spend less money on food. Meal planning can really save you a ton of money.

Would you like to read more on meal planning? Check out these posts:

Helpful Tip:

If you absolutely hate meal planning or you have tried it and you just can’t seem to figure out a system that works for you, you should take a look at $5 Meal Plan.

$5 Meal Plan is a meal plan service that sends you weekly meal plans right to your inbox and the grocery list for the meal plan already done for you!  

All you have to do is check off the things you already have and head to the grocery store to get the rest.

Most of the meals work out to be around $2 per person.  And it’s only $5 a month!  

So if you would like to check it out, they have a free 14-day trial you can sign up for here.  

Then you can see for yourself how much money and time it can save you!

14. Shop at discount grocery stores

My number one favorite way to shop is Walmart Grocery Pickup because I don’t have to go into the store. However, if I forget to put something on the list or need something last minute, Aldis and Lidl are the stores I shop at.

15. Use Coupons

There is no doubt using coupons for groceries can save you a boatload of money. Don’t forget to use coupons for restaurants!

16. Use Ibotta

Ibotta is the cash back app we mainly use. It is so easy and you can now use it along with Walmart grocery pick up.

I love the fact that they have offers that don’t require you to buy a particular brand. This allows you to use them with generic brands so you can spend less money.

If you don’t have Ibotta yet, you have got to sign up!

You can sign up for Ibotta here.

And by signing up through my link you can get up to $20 in welcome bonuses!

17. Buy in bulk

Many times stores will offer discounts when you buy items in bulk, helping you to spend less money. Just be sure to check the unit price to make sure you are getting a good deal on the item.

18. Eat at home

Eating at home and meal planning go hand in hand. The more you eat at home, the less money you spend on food.

19. Pack your lunch

Taking your lunch to work and sending your kids to school with a packed lunch will help you spend less money and save more!

If you are trying to get motivated to pack your lunch more often, why not invest in a new cute lunch bag! You will make your money back many times over when you take your lunch to work instead of ordering out or going out to eat for lunch.

Check out these posts with some cheap and easy lunch ideas to help you spend less money on food:

spend less money on coffee

20. Make your own coffee

Do you have a coffee addiction? Learn how to make your favorite coffee at home. You will need one of these if you like to take your coffee with you on the road.

21. Start a garden or container garden

Growing your own vegetables is extremely frugal! If you don’t have room for a garden, try a container garden on your deck or patio to spend less money on produce.

22. Shop generic

Don’t be put off by generic or off-brand items. Usually, they are just as good as, or even better than, the name brand.

23. Drink water (not bottled)

Soda and juices are expensive. Challenge yourself to drink more water every day. If you don’t like the taste of your tap water, try a water filter. You could also try a squeeze of lemon in your water to make it more palatable.

If you have kids that drink juice, stretch the juice by watering it down when you pour it into the cup. That’s what we have been doing since our kids started drinking juice and now they continue to water it down themselves!

24. Make your own ice tea or lemonade

If you love store-bought ice tea and lemonade, consider switching to homemade versions to spend less money.

25. Limit trips to grocery store

Spend less money by limiting trips to the store. Try to shop no more than once per week or try doing the pick-up option at your store.

26. Follow your grocery list

When you go to the store, stick to your grocery list. Don’t go to the store hungry!

Make one meatless meal a week to spend less money on food

27. Make at least one meatless meal per week

The meat is typically the most expensive part of the meal. I love to incorporate one meatless meal per week when I meal plan. This will help to decrease your food costs so you can spend less money at the grocery store.

28. Invest in a chest freezer

If you are going to meal plan, buy food in bulk, or make freezer meals, you may want to consider buying a chest freezer to help keep your food inventory organized and accessible.

29. Make your own bread and other baked goods

Try making your own bread with a bread maker. Also bake your own cookies, muffins, and cakes to spend less money.

We use our instant pot to make mini muffins and they are so delicious! My kids love them and making our own is so much cheaper than buying the prepackaged ones.

30. Join wholesale club

It can be easier and you could spend less money on food by going to a wholesale club to stock up on meal items and buy in bulk for your meal planning.

31. Use a waffle iron

We used to buy frozen waffles all the time! Now we use our waffle maker to make awesome Belgian waffles that taste so much better than frozen store waffles.

You can make them ahead of time and freeze them for a quick breakfast.

32. Learn how to can and jar food

Canning is a great way to stock up on food and spend less money on your food budget. Buying in-season produce and canning or jarring it is a great way to have it year-round!

33. Take snacks and water along on road trips or shopping trips

Avoid the need to go through the drive-through for a drink or snack when out and about by taking your own snacks and drinks with you in the car.

34. Avoid disposable lunch bags

Spend less money on paper and plastic sandwich bags by buying a cute lunch tote and using reusable containers for your lunch items.

35. Buy from produce stands

Support your local farmers and get awesome quality produce while you spend less money!

36. Use cloth napkins and avoid paper plates

Invest in some cloth napkins and use regular plates to be environmentally friendly and save money on paper products.

spend less money on entertainment

Frugal living tips to help you spend less money on entertainment

37. Use your community library

Visit your community library for books to read or exchange books with friends. Libraries also have free events and speakers you could check out.

38. Entertain friends at home

Invite friends over for a potluck dinner. Ask everyone to bring their favorite drinks for a tasting party. Have a movie night, game night, or bonfire.

39. Plan frugal date nights

The cost of date nights can add up quickly, so if you have a date with your significant other every Friday and Saturday night, try to plan for some frugal dates to spend less money.

40. Look for free events

Attend free events that are hosted in your community. Check your township or community newsletters and website to learn about upcoming events.

41. Use Groupon

Groupon is a marketplace that offers vouchers for discounted goods and services. They have tons of deals to pick from. We have bought Groupon deals for restaurants, as well as, for a local fun zone/arcade for our kids.

Check for Groupon deals here!

Related Posts to spend less money on entertainment:

spend less money by DIY

Frugal living tips to help you spend less money on your home

42. DIY projects

Complete home projects DIY style, if you are able to.

43. Buy a conservative home

When buying a home, know how much you can afford and still live comfortably. Crunch the numbers yourself. Don’t automatically look for homes in the price range of the mortgage amount you have been preapproved for.

44. Cancel cable or get smaller package

This is one of the most talked-about frugal tips out there. Cable services are so expensive. If you can cancel it completely and subscribe to a streaming service instead, you will spend less money.

If you can’t get rid of cable altogether (like us because of my sports-watching husband) pick the smallest package you can.

45. Sell things you don’t use

Clear out the clutter and sell your unwanted stuff. You can sell bigger items on Facebook Marketplace & Craigslist. You can sell clothes and other smaller items on eBay. There is also Poshmark and ThreadUp for selling clothing.

46. Shop around for insurance

Shop around for all of your insurances (homeowners, renters, car, life, umbrella, malpractice, etc). Some insurance companies will offer even more discounts if you buy multiple types through them.

47. Work to lower your utility bills

  • Adjust your thermostat or have a programmable thermostat installed
  • Use ceiling fans
  • Use insulating curtains or cellular shades
  • Fix drafty doors or use door draft stopper
  • Turn off lights
  • Unplug unused appliances
  • Hang some clothes to dry
  • Fix leaky faucets
  • Take shorter showers or set timers for kids
Spend less money on yard maintenance

48. Do your own yard maintenance

Skip those expensive lawn services and do your own maintenance and landscaping.

49. Use LED lightbulbs and timers

Switch out your light bulbs to LED lightbulbs. Also put those lights on timers, especially those holiday lights!

50. Get rid of your phone landline

Got a good reliable cell phone? You probably don’t really need your landline anymore.

51. Increase your deductibles

You could spend less money on your insurance premiums by increasing your insurance deductibles for homeowners, renters, and car insurances.

52. Stop subscriptions

Do you pay for subscriptions but don’t really use the products or services anymore? Cancel them and double-check that your credit card is no longer being charged for them.

53. Look for new cell phone plan

Shop around for an affordable cell phone plan so you can spend less money every month.

54. Shop end of season sales or closeouts

Are you in need of something new for your home? Try waiting until the end of the season when items are going on clearance for things like patio furniture, outdoor grills, snowblowers, etc.

Shop the clearance area of furniture stores for furniture or hit up stores around the big holiday weekends when they have their best deals.

spend less money on beauty

Frugal living tips to spend less money on health, beauty, and personal care

55. Shop during sales

Watch advertisements for sales on beauty and personal care products you use. Ulta has great stock-up sales on both drug store brands and salon brands.

Plus, if you have Ulta’s loyalty card, several times a year they offer 20% off of everything, including the Prestige brands!

56. Do your grooming at home

Learn to do your own facials, waxing, and nails at home.

57. Workout at home

If you can get your workout in without going to a gym, you could save both time and money. Some workout ideas to try at home are jumping rope, walking, jogging, yoga, and HIIT workouts.

Look for a workout app on your phone (I like FitOn) or search for something fun on YouTube. Also, you could look on Craigslist for used exercise equipment like stationary bikes, rowers, elliptical machines, etc.

58. Use castile soap

Castile soap has so many uses! We use it for a veggie and fruit wash and as hand soap in a foaming dispenser. We use Dr. Bronner’s and buy it in the huge bottle. It lasts quite a while because it usually needs to be diluted with water when used.

59. Borrow clothes for events

Do you have a wedding or engagement party to go to and do you need something to wear? How about borrowing a dress from a friend?

Spend less money by shopping at thrift stores

60. Shop for clothes at thrift stores

If you have time to browse through racks at thrift stores, you can find some great items to spend less money on clothes.

61. Shop at stores like Ross or Marshalls

Shopping at thrifts stores can be time-consuming because they aren’t typically organized by type of clothing. If time is a constraint and you need something specific, try Ross or Marshalls if you have one near you.

I love shopping at Ross for my kids because they have a great selection of name brands that my kids like. I like to get my workout clothes from Marshalls or TJ Maxx because I usually have no problem finding what I need quickly.

Bonus: Marshalls and TJ Maxx also have discounted brand name beauty and hair products!

62. Shop pick up when able

I don’t know about you, but if I go to Target for any kind of health or beauty items, I walk out of there with so much more! I love browsing around Target.

So I have been using their curbside pick-up service. Not only does it prevent me from buying things I don’t need, but running those errands on my precious weekend time has been so much easier and quicker!

63. Learn how to cut hair

If it wasn’t for COVID, I probably would still be taking my kids to the barber school for their haircuts or the haircut chain store near us.

Since my husband was furloughed during COVID, he learned a couple of new skills, including how to use clippers for a fade-style haircut. because of him, we spend less money on haircuts.

64. Color your own hair

Dying your own hair with a box from the drugstore can help you spend less money. I use to color my own hair for the longest time and it saved me a bundle.

However, I don’t anymore because I quit coloring my hair altogether and let my natural color, grays and all, grow out (also a frugal way to go!).

65. Get a low maintenance hair style

Short stacked bobs and pixie haircuts are adorable. However, I know from experience, you have to get trims quite frequently to maintain the style.

If you opt for a style that has longer layers or a blunt cut, it can help you spend less money at the salon because you may be able to stretch the time between your appointments.

66. Shop your own makeup bag

If you love buying makeup and have a lot, why not challenge yourself to use up some of the makeup you already have?

I am guilty of buying new eyeshadows and then throwing my old ones in a makeup bag under the sink. I recently bought one of these and I absolutely love it! I pulled out a bunch of my old eyeshadows, removed them from their cases and I now have a “new” eyeshadow palette!

67. Take care of yourself

Taking care of yourself by eating right, getting your rest, finding ways to relieve your stress, and exercising will help you spend less money in the long run by keeping your mind and body healthy.

Ride your bike to spend less money on transportation

Frugal living tips to save money on transportation and travel

68. Walk or ride your bike places

Spend less money on gas expenses by walking or riding your bike to your destination, if you can.

69. Buy a used car

It’s common knowledge that the minute you drive a new car off the car lot it majorly depreciates. Look for a deal on a good reliable used car to spend less money on your ride.

70. Learn about travel hacks

Travel hacking is all the rage right now. From staying at AirBnB’s to using your credit card points for free or super cheap flights and hotels, there is so much great information to learn to help you spend less money while traveling.

71. Wash your own car

Get out your hose and bucket and get some exercise while washing your car.

72. Plan out errands

By planning out your trip for your errands, you could spend less money on gas and save time by figuring out the best route for getting everything done without having to backtrack.


There are so many more ways to spend less money on everyday things than I have listed here. As I said earlier, living frugally is all about being intentional with how you are living your life and spending your money.

The thing that I love most about frugality is that my frugal lifestyle will look much different than your frugal lifestyle because there are so many different ways to adapt how you are living in order to spend less money.

So go ahead and pick a few frugal tips to start with that will mesh with your individual lifestyle. By slowly incorporating some frugal living tips into your life, you will start to spend less money and save more so that you can ultimately reach your financial goals.

What are some frugal living tips you have to spend less money on everyday things? I would love to hear them! Leave me a comment and let me know!

spend less money with frugal living tips
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