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It seems like every month, I buy the same amount of things, yet there’s always less left in my bank account by the time it’s payday again. Whether it’s due to inflation or unexpected doctor’s appointments, it would be nice to figure out how to have more leftover to drop into my savings account.

If you’re also looking for ways to thicken up your wallet, you’ve come to the right place. Redditors have recently been sharing their best frugal habits, so we’ve gathered the most helpful replies below. Enjoy scrolling through, and keep reading to find conversations with Lydia Beiler of Thrifty Frugal Mom, Caitlin Self, MS, CNS, LDN of Frugal Nutrition and Melissa Vera of Adventures of Frugal Mom!

#1

30 Changes People Applied To Their Lives That Help Them Save The Most Money I've been on a mission to use up all of the soaps, shampoos and cleaning supplies that I already have. I'm saving money and gaining cabinet space.

Signal-Fan7335 , Adam/Flickr (not the actual photo) Report

Rachel Pelz
Community Member
1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

It is less slimy and more frugal to place your soap on a slice of loofah or the like, so it can dry (unlike the picture).

Astro
Community Member
1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

My friend has a weird little plastic “spike” in his shower that he just stabs the soap onto to dry. Never seen one before but I kind of liked it 😂

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Upil
Community Member
1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

So people who throw whats left of a soap is actually exist? I used to stick the leftover soap ona new soap to make sure it all used up. I guess i really poor...

IcyPenguinToes
Community Member
1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

I do that too! But I took this to mean like soaps they hadn't started yet? Some weird scent in the back of a cupboard or something

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Brian Droste
Community Member
1 year ago (edited) Created by potrace 1.15, written by Peter Selinger 2001-2017

I always use up all my soap and shampoo before opening new soap or shampoo containers.

Ovata Acronicta
Community Member
1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

Gonna give this person what we have under the kitchen sink because it's such a mess that I don't even want to start. So many different cleaning supplies and none of them I actually want to use.

Rachel Pelz
Community Member
1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

You may actually find somebody in a online neughborhood community that will be delighted to pick up "box with miscellanous cleaning supplies" :)

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Lene
Community Member
1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

The main lesson I learned during my no spend-year was to use what I got before getting new stuff. So this soap-tip doesn't surprise me one bit :)

Robert T
Community Member
1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

Bars of soap are ucky, but I do add a little bit of water to the pump dispenser type to get the last bit out.

Eileen Gormly
Community Member
1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

Done! Agree and it took me roughly four years to get through all of it. Now I buy bars, they last. It's great!

Julie S
Community Member
Premium
1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

I did this with conditioner, because I shampoo my hair twice I get through more shampoo than conditioner. I had about 5 conditioner bottles that were half full. So I just bought shampoo and used up all the old conditioners.

Justanotherpanda
Community Member
1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

I try this sometimes, but then I get all anxious about running out of supplies and when a good offer comes along…….boom, cabinets full of stuff. And piece of mind…..

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To learn more about which frugal habits will have the biggest impact on our finances nowadays, we reached out to some budget-friendly experts to hear their tips.

According to Lydia Beiler, aka Thrifty Frugal Mom, some of the habits that have saved her the most money in recent years are "making things from scratch (like homemade Bisquick Mixcaramel frappeschocolate cake and chocolate syrup); buying things like furniture, toys and baby items used; and avoiding impulse purchases."

"If you wait several days before buying something, you'll often realize you don't really need it that much," she explained, noting that she's always tried to live pretty frugally. "And especially so, since my husband and I got married nearly 18 years ago," she added.

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    #2

    30 Changes People Applied To Their Lives That Help Them Save The Most Money It's amazing how much eating out costs. Even a $10 meal ends up being closer to $20 or even $35+ if you get it delivered. Eat. At. Home. It's amazing how much money you'll have in other parts of your life when you aren't literally eating it all.

    LadyOfThePotato , Sho Hashimoto/Flickr (not the actual photo) Report

    Rachel Pelz
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Some of us grew up eating out very rarely, because it is so expensive and we can't afford that...

    Ace
    Community Member
    Premium
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Some of us continued eating out very rarely even once we could afford to do so whenever we want, because it's rarely going to be as good as what we could cook at home.

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    Fleetwayfox
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    You're also in control of what goes into a recipe, whereas restaurants/ takeaways prioritise maximum flavour in leu of nutrition.

    Petra Schaap
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    i grew up with cooking at home. Ive always been cooking at home. Go to work/school, bring your own lunch. Everyone did. Eating out was for special occasions. It was really weird to start to get to know American friends 25 years ago that only ate out.

    whiterabbit
    Community Member
    1 year ago (edited) Created by potrace 1.15, written by Peter Selinger 2001-2017

    I think part of it is habitual. I grew up where the closest fast food or restaurant was a 40 minute drive each way. The only time my family ate out was when my mom went to town to buy groceries and brought back a papa Murphy's take and bake pizza. Now, as an adult, I don't even think about eating out unless it's a special occasion or I'm in town running errands all day and have to.

    Upil
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    The problem is (at least from what i feel), is that people buy food because they have less time or energy left to cook a fresh food. I now live in a country side, no overtime and no traffic, i sure can cook my own meal. But i used to work in a big city, and went to work before sunrise and being home after sunset to avoid the traffic. I sure as hell didnt have much left energy in me to cook a fresh meal, so uli used to butly food from street vendors. Anyway, thats me...

    Libstak
    Community Member
    1 year ago (edited) Created by potrace 1.15, written by Peter Selinger 2001-2017

    I don't do delivery, still buy Chinese, fish n chips, pizza but I collect every time. I guess I don't have a habit I have to change because for the majority of my life it's just been the norm. For younger generations, delivery is the norm...

    OneWithRatsAndKefir
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I suppose it depends where you live or how you were raised whether delivery is the norm or not! My parents have never had takeout delivered the few times we’ve had something, so I can’t imagine myself really using delivery either; though I can see the appeal for those with mobility issues or no driving license.

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    The Dapper Dragon
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Growing up, eating out was for very special occasions and only happened maybe 6 times a year. I married a man who thinks every Friday, Saturday, and Sunday is a special occasion. I hate it. Best part of Covid was restaurants being closed. (Yes, I know it was bad for all aspects of restaurants and feel bad for that. But personally...)

    DC
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Also, most of the stuff I cook is better anyway.

    CaliPanda
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    The pandemic was a huge reset for us. While we didn’t eat out regularly, we are now very comfortable with cooking meals ourselves. We’ve also been growing our own vegetables and fruits (I realize not everyone can do this) and it’s helped as well to reduce costs.

    Jayjay
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Some people do not have any other choice than eating out. Especially in the USA many people have no kitchen, live in cheap hotels, or even in their cars. Or apartments are extremely small, like in big cities as Paris, that it is really difficult to prepare a meal. There are more sides to this..... But if you have a kitchen? better cook yourself , i think it is healthier (but who am I :)).

    Maebe Maeve
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    There are ways to eat without cooking. Plenty of meals don't require a kitchen. Cereal, peanut butter sandwiches, granola bars, fresh fruit, canned beans/tortillas, hummus and pita, carrot sticks, canned vegetables, soup, beef jerky, instant oatmeal... It's ridiculous to try and make the argument that anyone *has* to eat restaurant food for any reason.

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    #3

    30 Changes People Applied To Their Lives That Help Them Save The Most Money Quitting drinking saved me an embarrassing amount of money. Second, I now pay myself first with bills and other budget categories and transfer a set $ into my “fun” money account. I use that account for whatever but when it’s gone it’s gone. It’s the only way to trick my brain which naturally spends to the last available penny. Keeping my budget money like “vacation” funds separate in an account that takes 3-5 days to transfer from keeps impulse spending down.

    trashcanpam , JOE MADONNA/Flickr (Not the actual photo) Report

    Luke
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Never too late to quit🙌🏻

    Michael Largey
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    If money is the problem, not the booze, only drink at home. By the bottle from a liquor store is so much cheaper than by the glass at a bar. Plus no need for a designated driver!

    Jesha
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I'd say booze is the problem there, too.

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    sara fulmer
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    NOT SAYING YOU'RE AN ADICT Many addicts actually experience anxiety when they begin to accumulate all the money they previously spent on their addiction. Actually having money becomes a trigger. It's a blessing and a curse.

    Lady Miss Pie
    Community Member
    Premium
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I quit drinking—not on purpose, just stopped during the pandemic. Now I hardly ever drink and man, it saves money. And headaches. At this point I find drinking kinda gross.

    We were also lucky enough to get in touch with Caitlin Self, MS, CNS, LDN of Frugal Nutrition to hear how she likes to live frugally. "In my experience, cooking at home is an amazing way to significantly save on your food budget each week. Ordering delivery and dining out can typically cost around $20 or more per portion of food, but you can easily make dinner at home for $5 per serving," Caitlin told Bored Panda.

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    "The key is to do it consistently, so you can buy more things in bulk and so you use everything you purchase - rather than letting some of it go bad. Learning to cook is one of the best things you can do for your budget, and for your overall health! I've been cooking the majority of our meals at home for over a decade, and when we have to tighten the purse strings on our own spending, my food budget is the easiest area for me to quickly modify," the nutritionist shared.

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    #4

    30 Changes People Applied To Their Lives That Help Them Save The Most Money I have 3: I make my own coffee at home, so no need to buy it, I eat at home and whenever I’m out and about I have my lunch pail with me. Lastly, I’m a college student and we get a free bus pass so I rely heavily on public transportation. Those 3 things I just mentioned are such game changers. And I don’t wanna sound TOO frugal, I love the days whenever I don’t spend a single cent and at the same time I had an amazing and productive day.

    El_Beakerr , jgbarah/Flickr (not the actual photo) Report

    nomnomborkbork
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Good plan to carry out after college too

    Petra Schaap
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    i never understood the need to get coffee on your way to work, or at work. im the most unorganized person in the world, but i switch on my coffee machine when i get downstairs, and its finished before i leave. Poor it in a big thermos and there you go.

    Mari
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I don't understand it either. It's so easy and it takes no time to make your own coffee.

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    Jayjay
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I'm not a college student, and I'm "old" but I still make my own coffee (I make my perfect coffee for me...) I cook at home, just because you can make healthier food without preservations and such, and I bring my own lunch and water bottle with me whenever I go somewhere, just because I'd like to be independent. So you are not being frugal, you just take care of yourself (and your finances :)).

    Robert T
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Buying takeout coffee is a ridiculous waste of money. I've had to do it when working a few times, as we had no decent tea/coffee facilities. It felt like I was paying for the privilege of working there! I can have coffee for a week at home for the price on one out!

    Verena Fiori-Jambor
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    This all is natural to most college students, so not a big deal…

    Ken Beattie
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I've seen college students recently and they were eating a lot of takeaway delivered by Uber eats. It makes a $10 meal into a $20 meal (or worse). And that was when they had free meals at the canteen, but those don't taste as nice...

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    Fleetwayfox
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I wouldn't say you're being "frugal" by taking the free student bus pass that you're entitled to.

    David
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I have saved SO much money over the years grinding my own beans / making my own "near espresso" in an Italian coffee maker. I can make coffee stand quality coffee for pennies, even if I use a syrup. But usually I just use a splash of half and half. I just have one cup in the morning but any more at the coffee stand most drinks are over $6.

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    #5

    30 Changes People Applied To Their Lives That Help Them Save The Most Money The difference is not huge, but air drying more of my clothing has been saving me a bit on my electricity bill (electric dryer). It also helps the clothes last longer.

    gt0163c , Mr. Leeds/Flickr (not the actual photo) Report

    Vikki =)
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    As for me and my seasonal allergies, this photo makes me want to sneeze🤧🤪

    Cassie
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Same. I have a folding indoor drying rack for when I want to hang to dry.

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    ShyWahine
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    And line-dried laundry smells phenomenal!!!!!!

    Scott Rackley
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I dry my towels this way for the smell and the fact they absorb better when you don't wax them with dryer sheets. Feel a bit rougher but they actually absorb water.

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    Renée Filius
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I really wish I could always airdry, but I live in a quite wet part of the world, and unless I want my clothes getting wetter instead of drier, I cannot airdry! Only during the months april-september is it really possible to airdry...

    kitteh floof lover
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    i air dry my clothes inside my home. i hang them on hangers on a collapsible round clothes rack i bought at the hardware store. i only dry sheets and towels.

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    Any
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    My apartment hasn't any space for a dryer but for a collapsible drying rack. It does what it's intended to. My grandma uses a dryer now, because she is not able to hang her clothes outside anymore. For old people its really a blessing to have this opportunity. (She says she misses it, because she loved hanging them up - she meant it....)

    Spencer's slave
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I do this all the time, got rid of my dryer 9 years ago. Air dried washing smells amazing.

    LargeMarge
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I totally get you on this, and we used to air dry back in the 80s, but there was a problem. Bird c**p and a clothing thief. Because of this, I refuse to do it any more and keep a dryer on hand.

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    David
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Secondary savings - your shirts last SOOOOO much longer if you hang dry them. If you have t-shirts with pictures or logos on them, they fade much faster in the dryer. A guy who sold picture shirts taught me that years ago and he was right. I have picture shirts that are 10-15 years old that still look pretty new.

    Jaya
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I hate that apparently this isn't the norm everywhere. You waste so much electricity on drying clothes, you can dry outside, or hang it inside your apartment, instead of burdening the environment.

    Robert T
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Can't dry outside as I live in an apartment, but I dry stuff over an airer until it is almost dry and then pop it in the dryer for a short time to air off. Drying from wet would cost a fortune.

    Aussiegirl
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I always hang washing on the washing line outside. They are great fun to swing on as a kid too 😂

    Ace
    Community Member
    Premium
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    The difference _is_ huge. An electric tumble-dryer typically uses around four times more energy that the washing machine itself.

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    Melissa Vera of Adventures of Frugal Mom also detailed some of her best money saving tips for us. "Establishing a budget and adhering to it is essential for understanding your financial flow and making informed choices about where to cut back," she shared. "Opt for meal planning and cooking at home to save money compared to frequent dining out. Avoid impulsive purchases by implementing a waiting period before buying non-essential items."

    "Always compare prices and seek out deals, discounts, and coupons before making purchases. (Just because you have a coupon doesn't mean that you should have multiple items because, seriously, how many bottles of mustard does your family really need?) Utilize credit cards with cashback or rewards programs, ensuring you pay off the balance monthly to avoid interest charges," Melissa continued.

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    #6

    30 Changes People Applied To Their Lives That Help Them Save The Most Money Transferring a portion of money to savings as soon as the paycheck hits. It's there if I need it, but I'm not as likely to spend it on a whim if I have to transfer it back to checking first. .

    ikilledmyplant , Paulien Osse/Flickr (not the actual photo) Report

    Bruce Robb
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    No, if you save money, it's obviously money you don't need, so we won't give you that amount any more. /s

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    Nimitz
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Inflation has almost entirely eliminated my ability to do this. Before I would put aside $300-500/mo, now I'm setting aside $100-200 a month and it hurts, but I'm leaning into it cause adulthood

    Bruce Robb
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Walk in the park. Get exercise, without spending money. Of course, this, unfortunately, depends on the weather.

    Eileen Gormly
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    And every raise - half goes into that savings auto deduction. You still get a little bit more and you don't miss what you "never had".

    whiterabbit
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I have a calendar hanging on my fridge that I write all my bills and paydays on. I get my check, look at what's all coming out of said check, transfer the money that will not be needed directly into my savings and do not touch it unless it's an emergency. Prevents frivolous spending and forgetting about a bill.

    Geoffrey Scott
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Or...now most places do direct deposit, they will allow 2 deposits. I do $75 savings...balance in checking

    Jrdiver
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    And some banks can split it their side also

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    "Negotiate bills with service providers and inquire about available discounts or promotions," Melissa recommends. "Evaluate subscriptions regularly and cancel those that are not frequently used. Plus you can always read the magazine or borrow videos from your local library. Learn basic DIY skills for household maintenance tasks instead of hiring professionals."

    "Embrace minimalism to focus spending on what truly matters while reducing unnecessary material expenses," the frugal mom added. "Prioritize saving and investing by automating contributions to savings or investment accounts for long-term growth through compounding interest. Reduce transportation costs by utilizing public transport, biking, walking, or carpooling when possible instead of relying solely on personal vehicles."

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    #7

    30 Changes People Applied To Their Lives That Help Them Save The Most Money We switched from paper towels to wash cloths a couple years ago, has probably saved us thousands on paper towels cause we're so damn wasteful with them. We also have bidets, so very little paper usage in general, it's great.

    mb4x4 , Marco Verch/Flickr (not the actual photo) Report

    Dillon Sizemore
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Unless you are purposefully not cleaning up spills or other stuff with wash cloths your not really saving money. A roll of paper towels is $1, so unless your going through tons purposefully or buying name brand you'll spend the $4 a month on energy and water to clean those wash clothes.

    JE Cummings
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Those cloths can go in with your regular laundry, so no extra if you're smart. And it's an actual scientific fact that people will waste disposables at a high rate.

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    Zedrapazia
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I don't judge anyone who wants a bidet, but I for my part really don't want the toilet to kiss my àss

    Kris
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I was switched to Bidet's when a friend said to me "If you get poop on your hands, would you wash them with water or just use a dry paper towel to wipe it off and call it clean" couldnt stop thinking about it. Yeah the feeling is...strange but never felt cleaner lol

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    Brian Droste
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I grew up using clothes towels and wash rags to clean and dry. Still use them to this day. I use paper towels for other cleaning though. Never time how long I go through a roll of paper towels. Maybe 3 t o 4 months. Maybe longer.

    jdtimid123
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Bidets are awesome for periods too, especially if you are using pads.

    ॐBoyGanesh
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Switched to cloth napkins, too. Saves so much. I honestly don’t know how people live without bidets. Ours are built into our toilets. The seats are always warm, the water is a perfect heated temp and the air dryer prevents chaffing or irritation. It truly makes the toilet a throne.

    Veronica Mowery
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Thousands on paper towels? How much did you originally buy?

    David
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Paper towels are for stuff you don't want to put in the washing machine - like an egg that got dropped on the floor. For other stuff - buy a bale of those cotton cleaning clothes from Costco. Good size for cleaning, cheaper than the clothes sold for washcloths. After my grandkids moved away it took me two years to use up a roll of paper towels.

    Steve Hall
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Paper towels are much more sanitary than wash clothes.

    Sarah Jones
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Bidets are fine if you have the space but if you can only afford a tiny shoebox of a home good luck trying to find space for a bidet.

    Idgafwyt AllDat'N'ABagOfChips
    Community Member
    Premium
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    They make bidet attachments for your toilet. I've been trying to get the plumber out to hook mine up. It should be easy for anyone to do on their own, at home. But my building is old and the water hook up is so rusted and has been painted over so many times, that I didn't want to break it. Hence why I'm waiting on the plumber.

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    BPisaddictive 🇮🇹 🤌
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Paper towels can be recycled. Soap is a pollutant, so maybe paper is a better choice

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    Melissa also recommends looking for free or low-cost entertainment options, such as community events, parks, libraries, or cultural activities, rather than expensive alternatives.

    And she says she did lots of secondhand shopping when her daughters were little. "I always got compliments on their clothes because they were so unique," she shared, noting that she's been using most of these frugal habits since she started staying home when her oldest daughter was 2 and a half. "She will be 29 this year," Melissa says.

    #8

    30 Changes People Applied To Their Lives That Help Them Save The Most Money Secondhand shopping (clothes, cars, household goods, furniture etc.), getting to know prices so you can spot a deal, Aldi, dollar stores, just learning not to buy stuff mindlessly - getting to a point of not needing a lot of stuff, living below your means, being a smart consumer - standing up for yourself if something goes wrong and complaining if necessary - questioning things and doing follow up, reviewing bills regularly and watching for fee creep and looking for alternatives periodically (like insurance), deferring gratification when necessary, cooking at home (if you can - it's a hard one for me but can be huge).

    tradlibnret , Alain Wibert/Flickr (not the actual photo) Report

    ShyWahine
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    While I still enjoy browsing at secondhand shops, I stick to Ross/TJ Maxx/Marshalls for clothing now. Thrifting has become so popular now - their prices aren't the bargains they used to be

    Petra Schaap
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    dont blindly buy at Aldi. Always compare. They are not always cheepest (Lidl usually is, though)

    David
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I have SO many things I've bought at garage sales and sometimes thrift stores for pennies on the dollar. $100 wireless gaming headset - $9, $100+ scroll saw - $10 and it came with about $10 worth of extra blades. I'm typing this from a recliner that cost me a quarter because that lady just wanted the bulky stuff gone. Garage sale free box a week ago - a heavy metal spatula that costs $29 at our local restaurant supply store and a pair of pruners that would sell for $10-15. The spatula looks new and I just used the pruners to prune my apple tree - they work fine. My Denon amp, Cerwin Vega speakers and my subwoofer box were a fraction of new and sound awesome. Not enough room here to type all the things I've bought over the years for a fraction of their cost new.

    Optimyst
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Floor/display couches are great cause they're already broken in and a lot cheaper

    Jesha
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    All the six figure earners with 'side hustle' ebay shops have made it nigh impossible for poor people to find anything, though.

    Mari
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    It is true, before ebay and expensive vintage shops, second hand clothes were cheap and poor people could afford it. Nowadays second hand clothes are too expensive for poor people. That is really sad.

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    Bruce Robb
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Cooking at home can also be a way to lose weight (if you don't like to cook). I'm trying to lose weight, and making small steps (which is how it's recommended). From 23 August, I've gone from 275 to 246. I try not to have many snacks in the house. If I do, I have to eat them at specific times. (I still cheat, though. *heavy sigh*)

    Piper
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Using websites like Poshmark can yield good results, but you have to take the time to actually look and wait for the posher to have had it awhile, then offer. It’s not as cheap as a thrift store.

    Heather Menard
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I found it's cheaper and your clothes are new if you show clearance

    Luke
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Had a really bad experience with a used motorbike i bought So be careful with automobiles etc in used market y’all.

    Lew k
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Don’t let a bad experience with a used vehicle turn you off. New off the lot is a sucker’s bet. The second you drive it off the lot it loses 5k in value. Look into lease returns. They typically have a service requirement meaning it’s been serviced regularly and typically retains some warranty. I got a 2 year old lease return for a car that retails for 55k for 32k with 20,000 miles. Still in warranty and plenty of life in it still. If you absolutely have to buy new keep your eye out for year end sales. New car lots will have great deals on “last years model” when the new model year rolls out.

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    #9

    30 Changes People Applied To Their Lives That Help Them Save The Most Money The only one that really makes a dent for me, is mostly eating at home. But the problem is, it takes a lot of time to meal prep. I try to meal prep one day a week. But when you order out, part of the surcharge is paying for convenience and saving time.

    Kittenbeautyy , dreamcat115/Flickr (Not the actual photo) Report

    Geoffrey Scott
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    When we get meat (chicken quarters, pork loin, NY strip steaks) I always package for 2 meals . Leftovers aren't great, but only cook 3 days/wk

    Dreaming Spirit
    Community Member
    1 year ago (edited) Created by potrace 1.15, written by Peter Selinger 2001-2017

    I do the same, but since my family is not a fan of eating the same thing few days in a row, I just put the leftovers in a freezer and I pick up something from last week instead. Works like a charm, though I learned not all dishes like to be frozen :)

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    jdtimid123
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I half prep. I get all the veggies I need for the week, and when I'm chopping up what I need for dinner I also do the rest cause I'm already set up for it. Chopped veggies go into clear bowls and then I can just add them to whatever. Don't feel cooking? Toss a bunch of raw veggies in a bowl and you've got a kind of salad. Making something simple like hamburger helper? Toss in some chopped broccoli and cauliflower for extra fiber. It's made me much more likely to use what I bought, without having to put together full meals all at once.

    Daya Meyer
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    If food prepping for the whole week is too exhausting, you can cook larger portions and freeze the leftovers. If you cook tomato sauce for pasta or pizza, just make a lot more and toss it into the freezer. If you are not in the mood for cooking, just cook some pasta and the frozen sauce and you have a full meal. Or get some frozen sauce, some red lentils and water and you can cook a tomato soup.

    Jayjay
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    But you also pay for lots of preservatives you don't want, for packing materials, for traffic, and more. If you look around internet, you can find lots of receipes that take no more than 20 minutes with honest and simple ingredients. The effort you put into ordering could be put into finding easy receipes :).

    Spencer's slave no longer
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I'm going to assume most of these posts are from the USA where it's not prudent to meal prep? I apologise if I'm wrong, but some countries offer good deals on power usage. I'm in NZ and I have free power from 9am to 5pm Saturday and Sunday, so I meal prep and bake etc. No, my power doesn't cost more during the week, I'm a low power user so charges don't change to account for this. I'm also getting a $NZ249 rebate this month. It really does depend on which country you live in.

    Larry Berry
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Cooking a good meal for one takes a lot of time. But if I cook a large portion at once, and put the rest in meal prep containers and freeze them, it's a lot cheaper and not time consuming for "just one meal". For example feel like making twice baked potatoes for a side. You gotta bake it, scoop it, blend it, mix in your cheeses and what not and bake again. Put in a whole tray of potatoes and make them and freeze the ones you aren't going to eat in that sitting.......

    Kamis Dewey
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I pay for a frozen crock pot meal service called Beehive Meals. I throw stuff in the instant pot, cook some pasta or rice, and heat up some frozen veggies and meals are taken care of! As a single working mom I don’t have much time/energy to meal prep, but this is cheaper than going out and saves me so much mental energy from meal planning. Plus leftovers make great lunches!

    Cassie
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I had four of five adult kids living at home at any one time, so I've been cooking for six for many years. When all but one of my kids moved away, I maintained cooking for six. I'll freeze serving-size portions of whatever I don't think we'll eat in a few days. We have plenty of back-up meals in the freezer and only cook three days per week eating leftovers the remaining days. I also keep baskets of healthy ready-to-eat snacks in the door of the fridge that typically get eaten over the course of two weeks. These usually include grape tomatoes, mini cucumbers, mini sweet peppers, and kiwis.

    Cassie
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Just to add, buying ingredients enough to serve six generally saves food waste over buying enough for just one or two servings. You use all of it instead of having anything left to figure out what to do with.

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    David
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    If you cook your own meals a lot you learn some you like that are quick for days you don't want to spend the time. Also affordable 'cheats'. Like I use the Costco frozen stir fry veggie mix. Slice up a bit of pork or other meat, thaw some frozen veggies, maybe a can of water chestnuts and a few seasonings and I can wok up a decent stir fry quite quickly. My rice cooker is almost zero effort - 2 cups rice / 2 1/2 cups water - push a button and wait for the beep. Or sometimes I use the crunchy noodles. Maybe about 15 minutes of actually kitchen time for me.

    Barong
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    There are lots of meals that can be made at home very quickly and don’t need a ton of ingredients. Soups are easy, quick, and can be very healthy. Roasting is another great way of cooking, everything can be done on one pan like meat, veggies, and potatoes. Chicken breast or thighs, or shrimp can be marinated and cooked in a pan or griddle and refrigerated or frozen for use in salads, sandwiches, and meals later. (salad dressings like vinaigrette will work if you don’t have or don’t want to make a marinade.)

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    Caitlin also noted that she sometimes has her clients audit their grocery bills to see what is costing them the most money, and then they review how essential their bigger ticket items are. "Consistently among clients, it is snack foods and convenience items that are busting their grocery budgets!" she shared. "Choosing super simple snacks like nut butter and rice cakes with banana slices, or making your own homemade snacks, like muffins, can save families $10-$25 per week."

    Caitlin also recommends keeping an eye on unit prices to see how much you're paying for branding. "Name brands spend extra money on marketing and shelving costs, and they pass those fees onto the consumer by charging more per unit," she explained. "So compare the unit prices for store brand items vs. the big brands. You may save a few bucks by choosing the store brand!"

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    "Of course, reducing discretionary spending on non-essentials such as travel, alcohol, and fashion can make a big difference as well, depending on how you spend your money and your personal preferences," the expert added.

    #10

    30 Changes People Applied To Their Lives That Help Them Save The Most Money Instead of buying stuff, I pick out what I WOULD buy and put the link to it in a spreadsheet. Every few months, if I have extra cash I can buy that item. It’s nice because it satisfies the impulse to shop without actually spending any money. Of course, you have to have the willpower to not buy whatever you picked out. When I first started, I straight up forgot a couple of times that I was ONLY shopping and not buying lol oops.

    captain_vee , Andrew Neel/Pexels (not the actual photo) Report

    Shark Lady
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I do this with my Amazon wishlist, I don't always buy it from there but it's a useful tool to use. I don't tend to impulse buy as much as I used to. Everything goes in the list and if I haven't thought about it in a month, I obviously don't need it so it gets deleted.

    CrunChewy McSandybutt
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I do this, too. It's a great way to remember things you wanted and to later on realize they aren't that important. LOL.

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    Momifer
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I put stuff in my Amazon cart, then wait a few days. Then, I move it to save for later. Amazon automatically updates the price and tells me if it's gone up or down. I try to wait for prime days and their big sales.

    Optimyst
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I usually put things in a cart and leave it. If I forget all about it's usually something I can go without

    Sven Horlemann
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Often enough, stuff I REALLY wanted to have... several months later are not that important anymore.

    Tracy Wallick
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I add interesting things to my Favorites; I've found that a lot of things I thought I wanted, I just enjoy looking at, which is free!

    Louise Clarke
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I'd like to do this with clothes, but they sell out of items in my size with in a couple weeks

    Barong
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Same. I have a wishlist.

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    #11

    30 Changes People Applied To Their Lives That Help Them Save The Most Money I live alone but for about 1 week every couple months I have a pantry/fridge clean out and I only allow myself to eat what’s on hand. It forces me to use those things that just sit on the shelf. I tend to get creative and go through a lot and I save so much money. It’s also something I do when I want to buy something outside of my budget.

    Kittymarie_92 , Miles Goodhew/Flickr (not the actual photo) Report

    Ginny
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    The food in the fridge is for eating not for decorative purpose.

    Ken Beattie
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Yes but many people tend to shop each week whether the fridge is empty or not. They then tend to eat the new stuff and the old stuff gets pushed to the back of the fridge/pantry. I realised a few weeks ago that I had something like a dozen cans of chili and pasta sauce in the pantry because I'd buy one every few weeks but I hadn't eaten chili or pasta in months. So I'll be having chili or pasta at least once a week for the next couple months to get rid of the backlog. Similarly, I have at least a week's worth of frozen meat in the freezer but I still buy fresh each week. I'll do a clean out by cooking it all over a couple weeks and *not* buying any new meat until I've run out again.

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    Lee Henderson
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Our refridgerator/ freezer is about 15 years old. The cost of replacing refridge/freezer door gaskets (which was done in about 10 minutes per door) made our fridge cold again

    Marla Singer
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I have grocery store shopping anxiety. Have you tried that? It's wonderfully effective at getting me to avoid buying new groceries.

    Carianne Sanders
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I Love the three bottles of Tabasco and a bottle of wine!

    Steve Hall
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I always consume everything I purchase. I can't remember the last time I threw food away.

    Libstak
    Community Member
    1 year ago (edited) Created by potrace 1.15, written by Peter Selinger 2001-2017

    I do this with condiments, especially Asian ones. If I have 5 or 6 open, I buy a kilo of chicken wings and make a marinade with all compatible sauces, works a charm in clearing out the teriaki, honey soy, soy and hoisin open bottles.

    Cyndielouwhoo
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Maybe this will help them to plan better.

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    #12

    30 Changes People Applied To Their Lives That Help Them Save The Most Money The best frugal habit is valuing your time. Spending 2 hours doom scrolling tiktok is going to cost you more than you know. Hanging out with that friend you've outgrow for 1 hour is going to cost you more than you expected. Staying in a so-so relationship out of boredom is going to cost you.

    Chocolatefix , cottonbro studio/Pexels (not the actual photo) Report

    BC
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Spending hours with my fellow pandas… Priceless… 😎🤘🏻❤️

    Optimyst
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Ooof, YouTube shorts is my Kryptonite. 30 minute timer on my phone and if there's a particular tutorial or video I want to watch I use my computer

    Astro
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Not me feeling guilty for still scrolling BP in my PJ’s at 12:27pm 😅

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    But not every frugal tip is worth it. According to Lydia, "trying to plan electricity use around off peak hours to get a lower rate" and selling small dollar items on Facebook Marketplace just aren't worth the time if you are busy.

    But she does believe it's wise for all of us to live frugally, regardless of the state of our finances, because none of us know when our financial situation might change.

    "Continuing to live at least somewhat frugally will make it easier if we need to adjust to spending less again at some point. Also, I'm a big proponent of giving generously," Lydia says. "If we aren't spending extravagantly, we have more to share with those around the world that haven't been as privileged as we have been. And often living frugally means less waste too, which is better for the planet and all of us!"

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    #13

    30 Changes People Applied To Their Lives That Help Them Save The Most Money I have a random one which I call “No New Money Days” (NNMD). A few days a week, I attempt to spend no additional money. I eat what I have in the fridge, I make use of existing memberships (gym etc), I use the petrol I’ve already purchased etc. Having a few a week has helped me save and helps prevent me mindlessly spend.

    ecoanal , Nikki Buitendijk/Flickr (Not the actual photo) Report

    Ace
    Community Member
    Premium
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Eh? Jeez, this is like five, maybe six days a week for many people by default.

    Astro
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    But it’s still a good piece of advice for some people, and therefore belongs on this list :) being financially savvy is kind of a spectrum, some people are better at it than others.

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    Robert T
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Ha. I have one day a week when I do grocery shopping and I fill the car up maybe once a month! The only money that gets spent other than that is on bills that are paid automatically. Every purchase outside of that has to be thought about.

    Luke
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Not sure about the petrol part but the rest of it sounds quite helpful without causing much stress

    Shark Lady
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I guess you make sure you have enough petrol to last for those days. Which only really works if you don't have a long commute etc.

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    Peggy Tupper
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I can easily go 2 weeks without spending money.

    Surenu
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I do a similar thing. I pay all my groceries in cash, so when I want and/or need to save, I just stop going to the bank for a while and make do with what I can afford in cash. It also helps with creativity in the kitchen.

    #14

    30 Changes People Applied To Their Lives That Help Them Save The Most Money Not getting coffee for $7 a pop every day or every other day.

    iridescent__wings Report

    Libstak
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    $7 seems alot, the most I've paid is $4.50 to $5.00....where is this?

    MP Deco
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    still an obscene amt. of money for just coffee...

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    Lew k
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I don’t get this one. Coffee at home is like 25 cents a cup. With good coffee and creamer it’s just as good as a 7$ Starbucks, takes way less time out of my day. Set the coffee maker up the night before (less than 5 minutes) and my coffee is ready when I wake up. No waiting in line. You can buy all the flavor syrups and stuff to make a pretty good approximation of coffee shop flavors for pocket change.

    The Darkest Timeline
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    $7x$365 = $2555 which is indeed a lot of money for coffee. Is anyone that can’t afford it get $7 coffee literally every day? Or is it closer to once or twice a week? Still a lot of money but not as bad as $2555 a year.

    Bored something
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Currency can vary a lot. I tend to pay $6 Australian which it probably around $4.50 US. That's a plain latter. Syrups, extra shots could easily be 7 or more. Sd on more again for a bigger size. I always take my own travel mug so my regular would normally be more anyway.

    Steve Hall
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I remember when a cup of coffee was 40 cents.

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    #15

    30 Changes People Applied To Their Lives That Help Them Save The Most Money Walking /cycling to do as many everyday things as possible from commuting to work to shopping. You get the preventative health benefits of daily fitness without paying to go to a gym., in addition to ga$, car.

    Darnbeasties , benjgibbs/Flickr (not the actual photo) Report

    Any
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Hmm I don't like the idea of riding a bike for 17km to work and back home again in a very hilly region without bikepaths. There are people who do that... I cant even imagine how long it would take me. x.x I wish i lived closer to work.

    Jayjay
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Get yourself an electric bike and a nice rainsuit, and you will be at work or at home in no time. You can also buy an electric trike or cargo bike, and you can take anything with you. No more being stuck in traffic jams! Or move house :).

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    lawrence Andrew
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    A lot of road are not safe to bicycle. Big trucks and no shoulder.

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    When determining if a frugal habit is worth it, Caitlin notes that sometimes you have to weigh the savings against the time you're spending preparing meals. "If you don't have a lot of time, cooking your beans from scratch, making homemade bread, or making a homemade dessert might not be worth the effort," she explained. "I think it comes down to a cost-benefit analysis of your time, your stress levels, your energy, and your financial flexibility."

    Caitlin also pointed out that you might regret choosing the cheapest option for something that you really enjoy. "For example, a $4 pastry from a coffee shop chain is going to be mediocre at best, whereas a $5 pastry from a local bakery or coffee shop that makes everything in house is likely to be excellent! So when the cost savings aren't hugely significant, but will impact your enjoyment immensely, I recommend you go for the splurge every once in a while rather than settling for something sub-par," she shared. "Something mediocre might not satisfy your craving and could leave you reaching for something else to feel more satisfied!"

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    #16

    30 Changes People Applied To Their Lives That Help Them Save The Most Money I know everything adds up, but I like going after big ticket items because it feels more successful. I drive my cars til they're dead. My last car went 20 years with very little maintenance needed, so that was approximately $350/mo for 15 years. I also make coffee at home, bring breakfast/lunch to work every day (we sometimes do an office run to a local taco place, but that's less than once a week), and I generally try to make dinner 4-5x a week (I really enjoy eating out and trying new places so I'm less frugal there, but I budget specifically for eating out and save a lot bringing coffee, breakfast, and lunch.

    chicklette , nakhon100/Flickr (not the actual photo) Report

    Dillon Sizemore
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    So going on the way it written you bought a new car and drove it for 20 years? That was the normal till the 80s/90s rolled around and 1 out of every 3 models became lemons with a less then 10 year run life, then we got to the 10 year warranties which just made the problem worse as it made new cars more expensive and recently carvana and other car delivery companies made it so all of America pays the California/NYC prices as the cheaper cars in lower pop areas where eaten up by the people in higher income areas leading to that $800 junker now being $2k.

    Papa
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I disagree. Vehicles last much longer now than they did 45 years ago when I started driving. Beck then if you got 100,000 out of a vehicle your had accomplished something, and many of the basic parts, like the starter, alternator, etc, had been replaced multiple times. I currently own two vehicles. One is a 2000 model with around 135,000 miles on it, and the other is a 2007, with over 280,000 miles. I haven't spent a lot of money on either one.

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    Lew k
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I run a car till it’s dead too. Currently have a 99 jeep and 2013 pickup. People seem to believe they are loosing money not selling or trading in while a vehicle still has a lot of value but trust me those years without a car payment are worth so much more. My 2013 pick up only has 75k miles and has been paid off for several years. Each month without a new car payment adds up to 10s of thousands. It’s a Toyota truck so I’ll probably get at least 250k miles out of it so at bare minimum another 10 years without a truck payment. That’s roughly 66,000$ saved based on what my payment was. Worth way more than if I sold it when I could still get 20k for it.

    Shelli Aderman
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Don’t own a car! (Living in NYC helps, but still…) 😉

    TheGirlWhoWoreGlasses
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Average car payment is higher than $350/month these days

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    #17

    30 Changes People Applied To Their Lives That Help Them Save The Most Money A little thing my wife and I do is pay for everything possible that doesn’t result in a service fee with our PayPal credit card. We pay it off every month. PayPal gives 2% cash back. It really does add up. We spend about 3k a month between both of us. $60 bucks every month. Pays for half of our car insurance every month… $700 a year.

    TubedMeat , Brett Jordan/Pexels (not the actual photo) Report

    Megan Curl
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I’m more interested in getting car insurance for $700 a year. I’m guessing this is a really old post.

    DE Ray
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Car insurance is really location dependent. You live in California? You pay a lot. You live in Iowa? You pay much less. I'm in Arkansas, and my car insurance is somewhere around $500 annually. But then again, the average income around here is only $22k, so it's not like we're doing well because some prices are lower.

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    David
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Same idea but I buy most things on my Costco Citi card and pay it in full each month so I never pay interest / fees. I'm not a big spender but since my gas and most of my food goes on it I end up with $200+ back each year and it's cash in hand (they mail you a check). "4% on eligible gas and EV charging for the first $7,000 per year and then 1% thereafter 3% on restaurants and eligible travel 2% on all other purchases from Costco and Costco.com 1% on all other purchases"

    HurlWurk
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    2% is low/average for this. You should be able to get a card that offers higher overall returns, or if you have planned travel, look into airline loyalty cards, they can save you a ton on flights as well as providing better service when you do fly.

    Craig Reynolds
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    We have several credit cards that have rotating 5% cash back categories every quarter and a few that are 2% and 3% in certain fixed categories. Some, especially Capital One have merchant specials that can save up to 25%. We almost never spend cash. The key is to pay your statement balance in full every month so that you never pay interest. We sometimes earn over $1,000 in cash back annually. Because we don't use cash or debit, the money stays in a high-rate savings account (currently 4.35% Capital One) until needed.

    jdtimid123
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I use a budgeting app to keep track of how much input on credit cards, along with my checking account. That way I don't go over by thinking there's more in the account than there actually is. And pay as much as it will allow every week (cause they don't let you pay pending transactions )so the interest doesn't cut into your cash back amount.

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    "I think it is important to have some kind of a 'why' associated with frugal habits," Caitlin continued. "Spending within your means is great for you and for society, and saving for retirement and possible illnesses are essential habits in the US based on our policies. But, cutting costs just for the sake of it can also be restricting pleasure and joy - and what is life without those things?"

    "So if you're choosing to avoid hanging out with friends and family because of the cost of dining out or the cost of gas or travel, without actually having a good reason to save that money, well, I'm not sure if that is really worth it in the grand scheme of things," the nutritionist says. "It's important to bring balance, even to the concept of frugality!"

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    #18

    30 Changes People Applied To Their Lives That Help Them Save The Most Money I got into an argument just yesterday about shutting off the lights and I actually did some math. Assuming you had 20 incandescent light bulbs each consuming 60w for 8 hours a day (I was looking worst case) you'd save something like $1.60 a month by shutting them all off and living in the dark. You could switch them all out for LEDs and save something like $1.39 a month meaning it'd cost like $0.29 to have those bulbs running 8 hours a day. So if your bulbs are all LEDs you wouldn't really save all that much money by shutting them off. You probably still should but it probably isn't going to effect your budget all that much. Shutting off the heat/AC has a much larger impact because it takes a lot more energy. I struggled with the why on this one but it makes sense. The higher the temperature delta the faster you lose/gain heat. So if its 100F outside and you're keeping it 70F inside you're actually losing heat to the outside faster than if you kept it 80F inside. For us the biggest budget saver has been getting a dedicated freezer. This allows us to take advantage of sales and to have food in the house. It also helps keep me from eating out. When I consider eating out I think "I've got plenty of food at home that I spent a bunch of money on, why would I pay for more food." The other thing is if I've taken something out of the freezer to defrost in the morning I'm less likely to give in to the desire for instant gratification "I took that steak out, if I don't eat it it'll go bad." We paid off the cost of the freezer (more than we should have but its a nice freezer) in the first year of ownership. The electricity use was not noticeable in our electric bill...

    curtludwig , Burak The Weekender/Pexels (not the actual photo) Report

    Shark Lady
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I have a smart meter so I can see how much energy is being used. It's incredibly useful for me because I have a prepayment meter, so if I have no money and I've used all my electricity then I don't have power until I top it up again.

    Thomas Gilfoyle
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    The math is garbage; the power used is about 60 x 8 x 30 = 14 kwh per bulb x 20 = 280 kwh per month, which is $56 if your electricity is $.20/kWh. PER MONTH

    Jakki Wetherall
    Community Member
    1 year ago (edited) Created by potrace 1.15, written by Peter Selinger 2001-2017

    My biggest fail is I always forget to take things out of the freezer in the morning, so use the microwave to defrost it before I can cook it!

    Nimitz
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I mean, it's about 1200W to cool 1000 sq feet. That would be 100 12W LED lightbulbs. People talk about zombie appliances and stuff, but check your wattages. That'll let you save real power

    David
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Buy a basic freezer - not a self defrosting one. Less energy and your food lasts a lot longer in the freezer. It isn't that big a deal to defrost it once a year. But yes - stocking up my freezer has saved me lots of money. My heat is usually set to 64F. And in the summer time - just turned off. But you do you of course. I don't get cold easily so this is doable for me but would be horrible for a close friend who gets cold easily.

    Michael Largey
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    If you have a large freezer full of food, prepare for power outages so you don't lose all that food. We have our house on a natural gas generator which kicks on within seconds of a power interruption.

    georgia layne
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    If it is going to be out for 6 or more hours then yes by all means power up that generator or be prepared to lose food. Otherwise it will all keep because the freezer is insulated well and all the frozen food will stay good

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    Ken Beattie
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I wouldn't replace all my bulbs with LEDs in one go. But over time as they die I've been steadily switching them to more efficient bulbs. First from incandescent to the compact fluro, and now to LEDs. I still have a mix of all three types though because some of the old incandescent bulbs just seem to last forever. Got a couple I think are coming up to 40 years old.

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    #19

    30 Changes People Applied To Their Lives That Help Them Save The Most Money Spending at least 1 hour a day developing new skills to move your career forward for me. I know everyone talks about ways to save on here and they are great but being frugal with your time at least for me has proven to be the most crucial thing. That focus allowed me to enter into a new field then specialize and allowed me to go from working 60+ hours a week to support my family to where I work 32-40 but not nearly as hard per hour of work as the old job while making drastically more money. I've gotten to the point now where developing more knowledge in my field is very hard for me to find so I have diverted this education towards understanding real estate and other forms of investing. Time is precious don't waste it on dumb stuff like I did for far too long. There is value in relaxing and playing video games sometimes, and watching tik Tok and scrolling reddit, but too much consumption of that stuff in my experience is not being frugal with your time and in the long run will hold you down from being as successful as you deserve to be.

    ForgedByLasers , Oladimeji Ajegbile/Pexels (not the actual photo) Report

    Zedrapazia
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I'll pass on this one. I rather have fun than putting all my effort into work. But what am I saying, I don't have children, which anyway makes a great difference on that front

    Ken Beattie
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Except, they're not putting *all* their effort into work. They're putting in an hour a day. It also doesn't mean they have to be boring skills. It could be learning to write, or paint or do computer modeling and animation. So you can move from a boring job you don't like into a more interesting and fulfilling one. You could also focus on manual skills (like woodworking, plumbing, etc) and learn how to do your own fixes instead of needing to hire someone.

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    jdtimid123
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Maybe don't put all that time towards just career related skills. Spending time learning new things is good for the brain, and you get new hobbies to spend your free time on. So do some fun learning too.

    Astro
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Yes! I randomly went down a weird rabbit hole about what kind of traditional piercings and tattoos different indigenous peoples around the world use. Has nothing to do with my career field but was so interesting :) fun learning is always a good idea!

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    Maggie Fulton
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    What field? It would be interesting to know.

    David
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    A general rule of thumb a friend shared with me years ago (that I think he was sharing from a book he read) was that you should always be reading three types of publications (or these days could be on internet). Something to help you gain knowledge in your field of work, something to help you gain knowledge of the world around you (politics, world events and so on) and something that is just for your own personal enjoyment. I've been retired for years and I still do this but the "work" one is more scattered these days and is often learning about other people's work.

    Ace
    Community Member
    Premium
    1 year ago (edited) Created by potrace 1.15, written by Peter Selinger 2001-2017

    1. This does not belong in a 'frugal habits' discussion. 2. Life's too short to waste all your precious time trying to improve your career prospects. Find something you actually enjoy doing and spend your time on that.

    Astro
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I got a raise from doing this 🤷‍♀️ it’s not a terrible habit to consider. I’m not mad that it’s on a post with a financial wellness theme. Remember that these tips might not all apply to you personally. Doesn’t mean others won’t find them helpful or interesting!

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    Melissa shared that some of the frugal habits that aren't always worth it for her are developing DIY skills and taking advantage of rebate programs. "Sometimes, you get overconfident with the DIY and end up making more of a mess and costing you more money than the actual repair," she noted. "And rebates and cash back programs are awesome, but not if you justify the purchase with 'Oh, I am okay with spending this much money because I am not technically spending all of it.'" 

    #20

    30 Changes People Applied To Their Lives That Help Them Save The Most Money Also, from my experience food is the easiest way to manipulate your budget. You can easily spend several hundred a month per person, the other extreme being rice and chicken every meal. Find a place on that scale which works for you. You can put in a lot of work cooking and save a lot of money.

    TubedMeat , Anand Nav/Flickr (not the actual photo) Report

    Beth Bohn
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    why are there grapes on this supposed taco salad? wait and french fries as well?

    The Other Guest
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Where does it claim this to be a taco salad? Looks more like a variation on a Pittsburgh salad to me.

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    e gads
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    How many times can the same tip be on the list?five?seven?

    Jaya
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    BP is not exactly being frugal with this tip ;)

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    Bruce Robb
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I don't want to put in a lot of work cooking....

    Shelli Aderman
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    What in the stock photo is this monstrosity?! 🤣

    Dead Man Talking
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I don't eat green grapes. They remind me of boogers.

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    #21

    30 Changes People Applied To Their Lives That Help Them Save The Most Money Avoiding spending more when income grows or you happen to have more. Growing your income and keeping spending constant is by far the best way to save more.

    drupadoo , Antoni Shkraba/Pexels (not the actual photo) Report

    Geoffrey Scott
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Or put your raise to your savings if possible.

    Astro
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I think that’s sort of what this means :) grow your income but keep your spending constant - put the extra income in savings

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    jdtimid123
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I wanted to do this when I got a raise, but then a bag of groceries that used to cost maybe 20 went up to 30 or 40$, so if I didn't have that extra raise money I'd be struggling to keep buying groceries. I am fortunate that I am still able to buy food, but it's frustrating.

    David
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Good advice. So many people keep expanding their standard of living with their income. Some of that makes sense at the low end when you start out with low wages and are scraping by. But slow down once you are reasonably comfortable for having your needs met. Worst case is probably those folks who win a million(s) in the lotto and then go crazy and end up bankrupt a year or two later.

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    Priorities are also something to consider when deciding where to cut costs. "In the earlier years of our marriage, I felt like I had more time than money. So some of the things that took more time but made us money or saved us money felt worth it," Lydia told Bored Panda. "As I've gotten busier and now run my own business, I am a lot more choosy about what money saving things I do."

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    "For example, sometimes, it makes more sense to pay more for something that will save me time, because it's actually more financially wise for me to use that time saved and invest it in my business," she explained. "In the end, I'll make more money that way. I think that's always something to consider when you think about saving money."

    #22

    30 Changes People Applied To Their Lives That Help Them Save The Most Money I made my own cat food. Had an old cat and for the last 2 or so years of her life I made her food myself using 2 deboned costco chickens & 1 can of pumpkin puree. For about $12 I could make a month’s worth of food for her. She LOVED it!!’ It was better for her digestion too. No more gas or loose stools. Cans of cat food are super expensive & are loaded with preservatives and fillers. My vet thought it was a great option for my cat since her digestive system was so much better on my food than anything else. Before anyone comments about garlic and onion seasons being bad for cats… she had zero problems & the vet approved.

    Public-Requirement99 , Bill Abbott/Flickr (not the actual photo) Report

    David
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    My current recipe for my cat - 2 family packs of chicken thighs, 2 packs of chicken hearts, 1 small tub of chicken liver, some chicken broth. Instapot for an hour, drain off most of the fat/oil. Crush the bones by hand (compost the ones that are still hard) and run all of that through a hand meat grinder. then I put it in old food trays and freeze it. She loves it. I have tried dozens of commercial wet food and she is super picky - won't eat or will eat for a bit then refuse to eat. She has commercial dry food and also gets misc this and that from me from time to time but the chicken is her go to. A little bit of a chore to make a batch but then it lasts me for a month or two and costs a lot less than commercial.

    Scott Rackley
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    The Allium family will kill your pet.

    Victor Botha
    Community Member
    1 year ago (edited) Created by potrace 1.15, written by Peter Selinger 2001-2017

    In high doses yes, but if it was for a rotisserie chicken, it's probably on the skin and not the actual meat, there is no problem. My cats get rotisserie chicken treats (not the skin) and never been a problem

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    Kate C
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    The idea of a raw diet is fine as long as you are mixing in some other kind of roughage. Visited a wolf sanctuary and learned that, while wolves eat meat, it is usually a full carcass and they are getting nutrients from the stomach contents of the herbivores that they consume.

    Thomas Gilfoyle
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    cheap canned tuna on sale is cheaper than a lot of cat foods. ridiculous. Cheap sales of chicken thighs cooked and chopped for food, frying the kin for treats....

    Craig Reynolds
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Am I detecting the smell of manure? Should I get out my boots for this one?

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    #23

    30 Changes People Applied To Their Lives That Help Them Save The Most Money Well for me it's been a long journey and I often forget how others live. But here is what I have learned... - Eating from my kitchen. My wife often cooks two or three main dishes at a time and the family eats from them throughout the week. - I get my media (videos, ebooks, music) from free internet resources. - I believe that by spending more on higher quality food, I spend less on healthcare expenses (MD visits, medications, etc.). - Make ice cream at home. It's less expensive and healthier. - Working from home has saved a lot in food, gas, clothing, and time. - Making coffee at home with a pour-over. I spend about $0.50 per 14oz of coffee. I'm sure there are more.

    winston198451 , picjumbo.com/Pexels (not the actual photo) Report

    Nimitz
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Ebooks are your friend! Using white text and a black background I can read on my phone any time and it doesn't keep me up at night. The best part is that most libraries have ebooks now and you don't have to return them! Pollution free reading for free! And they're so small you can easily make local and cloud backups

    Maggie Fulton
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Love library ebooks! I read them on my iPad, it’s easy to read them anywhere, and I can increase the font size if needed (old fart). If I see a book that might interest me, I check to see if it’s available on Libby.

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    David
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I spend almost nothing on media except I do subscribe to spotify. Oh - and if I buy a game from Steam once in a while I guess that is "media" as well. My Netflix is free via my Tmobile account. And effectively truly free for me because I was switching to tmobile anyway to save $5/mo and get more data than ATT. So finding out also got Netflix was just a bonus. Local library - lots of physical DVDs plus access to online audiobooks and more - all free. I can't even tell you what year I last paid for a new DVD or a movie theatre ticket.

    Hey!
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I do the same for supper. We get choices. The children are gone and sometimes we eat at different times. I have a few ice cream recipes that we like. Media is the same; 90% of the books I read are free. Every 4-6 weeks, we go shopping but eat first; we're also saving on gasoline. I have a Laundry Lift © and it works well for me. I prep all my food on grocery day so it takes less time to prepare a meal when the time comes. Turned down the heat, wearing hoodie blankets, slippers, etc.

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    Melissa also recommends living frugally, even if you don't have to "because we will never know when the other shoe will drop, and because of that, we need to be wise with how and when we spend our earned money."

    But she added that not every financial plan or frugal living plan is right for everyone. "You have to decide what is right for you and your family and learn the art of compromise. If you really want to keep one thing, then you might have to give up something else," the frugal mom shared.

    #24

    30 Changes People Applied To Their Lives That Help Them Save The Most Money My wife and her family are very frugal we do most of the things that have been mentioned here. One more thing we do that we learned from her mother is now every year or so we phone a lot of our monthly billers and ask for discounts. Phone plan/internet/TV/ car insurance/ all other insurances along with shopping for better utility rates. It can make a huge difference.

    LRGeezy , Antoni Shkraba/Pexels (not the actual photo) Report

    Georgie Montague
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    If you don't ask, you don't get. I saved $1000 on household insurance on year just because I asked the insurance company if they could give me a better price.

    Astro
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Last time my phone provider called me for something unrelated, the rep told me “oh there’s a promotion on for your current plan for new subscribers. If I pretend you’re a new subscriber and sign you up, you’ll get twice the amount of data for the exact same price. Sound good?” Thought it was very cool of him 😊

    David
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Related -- check the current plans. My experience has been once a cell provider or cable company has you as a customer they often do not bother notifying you when a cheaper / better deal comes around. And back when I was with ATT I missed out on about 1 1/2 year of veteran's discount because they never told me it existed. I found out by accident from a coworker who happened to mention it. Shoutout to the tmobile reps who told me up front about veteran's / senior and auto pay discounts.

    lawrence Andrew
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Calling to cancel something is when they offer the best deals.

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    #25

    30 Changes People Applied To Their Lives That Help Them Save The Most Money People report huge savings with automatic thermostat adjustments. I prefer to just find a tolerable temp and leave it there. Unless I'm leaving for a week or something. We also save some money by heating the person, not the room. Fleece pajamas, slippers, electric blankets etc.  The grocery store thing depends on how you eat and your location. If Aldo is cheaper but they don't have anything you like, then it's not cheaper. There's also the opportunity cost of budgeting and shopping. But most of us don't make money in our downtime, so we could be making the effort to shop smarter. .

    Weird_Squirrel_8382 , CORGI HomePlan/Flickr (not the actual photo) Report

    Auntriarch
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I have discovered the value of a blankie over the knees when sitting still, when it's comfortable temperature moving around, but just that little bit too nippy once you stop

    MP Deco
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    yes, my husband & i have soft fleece throws on the couch too, also we wear socks/ slippers to snuggle up in....why heat the entire house just to watch a movie?😉

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    Marla Singer
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Electric blankets are life-changing. I'm not having to heat my apt due to keeping myself, rather than the whole house, warm.

    geezeronthehill
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I dropped my propane bill by three quarters by adding attic insulation, replacing leaky windows with better (but used) windows, and installing a woodburning heater. I cut, split and cure my own firewood, which is great exercise,, so I don't spend money on gym fees.

    David
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Lounge pants (aka pajama bottoms), long sleeve t-shirt. Electric lap blanket from Costco. I also have a small electric space heater that I set by my chair on really cold days. OH - and CLOSE THE DOORS of unused rooms and close / cover the heat vents in those rooms. I know not everyone has an unused room. But I have one bedroom used for storage. Enough heat still creeps into it but it's fine if it is 10F cooler than the rest of the house.

    Cassie
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    My adult kids moved out and I set my thermostat to my much cooler tolerance and am on track to save about 40% on my electric bill over having our automatic schedule several degrees warmer when it's chilly. No more whining it's too cold in my house and it's cheaper!

    Thomas Gilfoyle
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Heat pumps especially- set them and forget them.

    Living frugally can also benefit us in more ways than one. Caitlin says, "In many cases, living in a way that is better for our budgets is also better for the environment, and better for our health!"

    But we also have to be realistic about how much groceries cost nowadays. "Gone are the days when you could slash your food budget in half with a few simple tricks," the nutritionist noted. "Food costs in the USA have increased exponentially, and in order to choose nourishing meals that fill our bellies, we may have to incorporate these tricks while also increasing our food budgets to accommodate the increases in cost."

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    #26

    30 Changes People Applied To Their Lives That Help Them Save The Most Money Brush and floss and rinse with water after meals. Do not overeat. Don’t smoke. Don’t drink. Get daily exercise.Avoid junk food. Learn and read daily. Increase your health understanding. Health is wealth and it’s real dollars and affect quality of life.

    evey_17 , Andrea Piacquadio/Pexels (not the actual photo) Report

    Notme
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    You actually shouldn’t rinse with water after brushing your teeth- you’re washing away the benefits of the toothpaste.

    #27

    30 Changes People Applied To Their Lives That Help Them Save The Most Money Couponing for consumables like shampoo toothpaste laundry detergent etc. They are necessities that quickly add up!! Also things like using kitchen towels over paper towels, making sure food doesn’t go bad before you eat it, and layering or doing outside activities before turning on ac/heat!

    tumblrgrl2012 , osseous/Flickr (not the actual photo) Report

    David
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    IMO paper coupons are largely 'dead'. Often not worth the gas you spend to drive to wear the coupon is. But I do keep an eye out for sales on things I use anyway. Like right now Costco has the cat litter I guy anyway for $4 off. So I'll probably buy a couple and save $8 on something I was going to purchase anyway that has a long shelf life.

    ILoveMySon
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Some discount stores offer online coupons which I utilize a lot.

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    MP Deco
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    i have been using microfiber rags instead of paper towels for yrs... great for the house,car and all windows- toss them in the laundry and reuse for a really long time....i hate creating more garbage. i realize its not a major thing but, every little bit is better than nothing....sigh...

    David
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I dislike the feel of microfiber for general cleaning (a personal opinion I know) but I LOVE how amazing microfiber is for cleaning screens and mirrors. For other stuff I use Kirkland cotton cleaning rags instead of paper towels.

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    Megan Curl
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Interesting factoid: those look like BJ’s wholesale coupons. BJ’s lets you “stack” coupons so you can use a BJ’s coupon(s) with a manufacturers coupon. As far as wholesale clubs, this policy makes BJ’s the best at coupon savings. Sometimes there are three coupons at a time that stack.

    Suck it Trebek
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    So many coupons are for name brand items which even with the coupon doesn't make it any cheaper than non-branded.

    Nimitz
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Ah, remember coupons? Then stores switched to apps and gave you offers for pts? Now there are no points. Looking at you Loblaws, you corrupt f***s!

    Cassidy
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Remember though, that coupon may not be the overall best deal

    Kraneia The Dancing Dryad
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    We used to get newspapers for the coupons, but very few of the coupons were of use for us.

    Ken Beattie
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Not quite the same as couponing, but Big W has reward points for certain grocery purchase which create credits you can use at the supermarket. Every now and then they'll do a big bonus point deal where you have to spend a lot each week for several weeks. When they come up I buy a bunch of the stuff that's on special and non-perishable so I hit that target and get the bonus points. It means I've bought months worth of laundry detergent, shampoo, tinned food and so on. But it was all at cheap prices and the last deal rewarded $50 credit. My next few grocery shops will effectively just be perishables like bread and meat.

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    "I think we associate fast food with being really cheap, but actually, the portions seem to be shrinking and the costs seem to be increasing," Caitlin told Bored Panda. "Plus, these foods don't tend to be supportive for long-term health, so relying on them too much might actually cost you more in the long run in terms of medical and healthcare fees."

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    "I definitely don't mean to demonize these foods at all, but a full meal at a fast food restaurant is still likely to cost you $10, so unless it's a special treat, that's still not super budget-friendly," she explained. "If this is a meal that you really enjoy, I would treat it as just that - something you're eating because you enjoy it! But if you're only choosing it because it's cheap, you might be better off with a delicious homemade sandwich and potato chips!"

    #28

    30 Changes People Applied To Their Lives That Help Them Save The Most Money We eat at home and stopped eating meat and birds 9 years ago. We bake our bread in a machine several times a week. Small but super productive garden helps. We are successfully living a frugal lifestyle to the point we can afford to live in Mexico half the year. This saves us more than you'd expect because food is so much cheaper and better here. We save 1,000 a month on overpriced Canadian food which pretty much pays our rent in Mexico. A good coffee machine and bread machine keeps us out of grocery stores longer!

    Global_Fail_1943 , Ellen Kabellen/Flickr (not the actual photo) Report

    OneWithRatsAndKefir
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    It could be a cultural or a religious thing, perhaps? I believe at one point that the Catholic Church declared beavers to be fish, so that they could be eaten on Sundays and Lent.

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    Jesha
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Sssooo you can afford to have two houses that sit vacant for half the year because you are vegan?

    Anna Drever
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I’m thinking they’re more likely pescatarian or vegetarian, at a guess. And yes I’d doubt that saves them enough money to run an extra house. I say this as a fellow veggie. We do however spend less because we’re cheap, so there’s that. 😀

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    Nimitz
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Great tip for Meatless Mondays: Mac 'n Cheese Mondays! It can be easily adapted gluten free/vegan. And who doesn't like mac 'n cheese? Just needs a side of veggies and you've got Monday supper and Tuesday lunch taken care of for like $2 per person. Selecting one regular cheap dish and making it a staple can seriously reduce your grocery budget by 10-20%

    Marla Singer
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Lol "meat and birds." Warped thinking. Let me guess: they don't think fish are meat either.

    Mark Alexander
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    If you get bit by a lone star tick you'll become allergic to meat (mammal is closest) but not poultry or fish.

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    #29

    30 Changes People Applied To Their Lives That Help Them Save The Most Money For me 1) Living in a rent controlled apartment that costs me WAY below what I can really afford. It's old(er) but is in a great area and has everything I need. 2) Driving a used Toyota Prius. I only drive Japanese cars as I learned the hard way that buying a German POS is the fastest way to being broke. 3) Reducing my taxes (maxing out my 401k and Roth, tax lost harvesting (if any)). 4) Staying in shape and getting regular tests, getting my teeth cleaned, ever year. Yes I could afford a much nicer place, a new car, and not save for retirement but why? I'm saving $12000 on rent + $12000 on a new car payment plus insurance + thousands on taxes + quality of life and future health care costs every year IMO, doing the above things is going to save you more money than you ever could on trivial things like watering down shampoo, eating top ramen every day, driving 15 miles to save a few bucks on gas, reusing every last material. That's cool and all, but I got more things I rather spend my time and energy on (funny enough I'm on reddit). BTW I cook almost every meal at home. But it's more because I'm too lazy to go get food and it's much quicker and much more enjoyable cooking because I love cooking.

    JahMusicMan , Sara/Flickr (not the actual photo) Report

    Ripley
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    So, the biggest saving is from a rent-controlled apartment, which is something most people just don't have access to. Very helpful advice.

    David
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Also - DO YOUR OWN TAX RETURN. For the vast majority of people (USA anyway) it is not that difficult. A few times (mainly my parent's estate -family farm) I had some pretty complicated stuff and needed a CPA. I've done a lot of mid level on my own even before tax software was a thing. B&O, sales and use tax, mortgage deductions etc requiring a 1040 and additional forms. But MOST people (including me most years) can use a 1040EZ or a 1040 with very limited forms needed. A quick google says the average cost for tax prep is $220. I've seen relatives pay that much for super easy returns I could bang out in 15 minutes. And I know this because in some other years I did bang them out in 15 minutes. Or if you want hand holding - spend $40 on Turbotax basic (if you don't qualify for the free version)

    ILoveMySon
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    There are free websites as well. Oh, I just learned 1040EZ no longer exists, only 1040. 🙂

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    Pittsburgh rare
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    *Cries in non existent rent controlled country*

    Optimyst
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    The dentist is definitely something worthwhile

    Nimitz
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    WTB national rent control. Seriously, it's almost as if everyone in the government has two residences and therefore has a financial interest in keeping housing prices high, planet-wide

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    #30

    30 Changes People Applied To Their Lives That Help Them Save The Most Money I use a cookie sheet instead of aluminum foil. Cut up old towels for paper towels. Bidet instead of toilet paper (healthier, too).

    Terrible_Opposite_67 , Joel Kramer/Flickr (not the actual photo) Report

    Rachel Pelz
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I don't quite get the cookie sheet instead of aluminium foil...?

    nancy
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Some people put aluminum foil on top of the cookie sheet so that they don't have to wash the cookie sheet.

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    David
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    "instead of"?? the cookie sheet (baking tray) holds it all level as it goes in/out of the oven. Some people line a cookie sheet with parchment paper or aluminum foil but I don't know anyone using aluminum foil "instead of". I just use the cookie sheet. they are not that difficult to wash.

    jkl
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Get stainless steel or enamelware baking sheets and you can run them through the dishwasher and clean tough spots with oven cleaner. You can't do that with aluminum baking sheets. Dishwasher detergent corrodes aluminum and oven cleaner dissolves it.

    A. Starhawk Hunt
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Apartment dweller here. Bidet sounds wonderful. Would you tell my complex that they need to put them in every bathroom?

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