Finding easy ways to save money every month helped our budget TREMENDOUSLY. Because we needed to cut a lot of expenses so that I could be a stay at home mom!
Maybe you want to cut costs to help you get out of debt faster, or so that you can save up for a big purchase. Whatever your goals are, implementing these simple frugal living tips & ideas will definitely help you get there!
Don’t worry — you won’t have to start taking cold showers, stop eating at nice restaurants or unplug EVERYTHING in your house.
Instead, you’ll learn how to start spending LESS on the things you’re already buying.
This mega list of frugal living tips is what you need to learn how to save money every month on nearly everything — from food to clothes, bills, and more!
- How To Live Frugally On One Income
- How To Save Money On Groceries (Without Coupons!)
- How To Budget When You Live On One Income
75 Frugal Ways to Save Money Every Month:
1. Use cashback websites – Rebate websites like Rakuten partner with tons of stores (Amazon, Walmart, Target, Macy’s and more!) to give you free cash back on whatever you order online! Plus, when you sign up for Rakuten, you’ll get your first $10 for FREE here!
2. Sign up for free loyalty programs – Get rewarded for being a loyal shopper at your favorite retailers.
3. Shop at Dollar Stores – You’ll save money on kitchen utensils and accessories, paper goods, party supplies, birthday cards, craft supplies for your kids, and more!
4. Carry only cash – So you can trick yourself into not spending more money than you have.
5. Shop at secondhand and thrift stores – When you buy used as possible you’ll save a ton. I like to shop at resale stores in affluent neighborhoods to find the best steals.
6. Use digital coupons
7. Borrow from the library – Check your local library for books, DVDs, and even CDs.
8. Ask for a price match – Most stores like Walmart, Amazon, and even Best Buy will match a lower price item if you find for less at a competitor store.
9. Buy Refurbished – Refurbished electronics are cheaper than items that are brand new, but they’re already tested to work properly and often come with extended warranty protection.
10. Brew coffee at home – You’ll save a ton of money being your own barista, especially if you love Starbucks.
11. Buy generic and store brands – Things like food, cleaning supplies, and diapers will save you a ton of money when you buy generic.
12. Buy in bulk – Get a membership at a wholesale club (Sam’s Club) so you can spend less money on the things that you need more of.
13. Pay with discounted gift cards – Websites like Cardpool sell used gift cards (think Starbucks, Amazon, Walmart) at huge discounts.
14. Use the Ibotta App to earn free money for groceries – Ibotta is the best grocery rebate app I know! You’ll get free cash back on groceries like milk, cereal, wine, and detergent when you upload a picture of your receipt! You can download the Ibotta App for free on Android and IOS. Plus, new members also get a FREE $10 bonus when you sign up!
15. Plant your own produce – Start a mini-vegetable garden right in your backyard.
16. Use a list when you grocery shop – It will help you to stay focused and only buy what you need.
17. Make and freeze meals ahead – Many moms make this a part of their Sunday night routine. Imagine having dinner made for an entire week in just one day!
18. Buy in-season produce – Because fruits and veggies are much cheaper in the summer months.
19. Ditch bottled water – You can buy a water filter instead and save hundreds every year!
20. Buy canned goods in bulk – Non-perishable items like canned goods have a longer shelf life which makes this an easy item to buy in bulk.
21. Buy groceries from Aldi – If you’re not already grocery shopping at Aldi, you’re leaving a ton of money on the table. I can tell you that Aldi grocery stores have come a lonnnng way – it’s the only grocery store my parents could afford to shop at when I was growing up. But, now they have better quality food at still great discounted prices!
22. Order groceries online – Another easy way to lower your grocery bill. I LOVE Walmart’s free grocery pickup. It’s super convenient and saves us money on food because I feel much more in control of our spending.
23. Bring lunch to work – Spending $5 every day on lunch really adds up. I started packing my husband’s lunch using leftovers from the night before which saved us $1300/year!
24. Start meal planning – We used to waste a ton of money on fast food because I wasn’t meal planning. So I used the $5 Meal Plan to help me get started because I got custom pre-made meal plans sent to my inbox every week with cheap and easy meals to make! I learned to cook more meals at home and we saved $300 extra on food every month!
25. Create a grocery budget – Having a grocery budget will help you better understand how much money you can afford to spend on groceries each month. My family (of 6!) lives well on about $100/week.
26. Buy frozen vegetables – Frozen vegetables last longer and you don’t have to eat it until you’re ready.
27. Use leftovers for dinner the next day – I like to make Stretch Meals that are large enough to use over two days. It saves me from having to cook AND keeps us from spending money on takeout.
28. Make pizza at home – Fridays for our family is pizza night. So we like to make homemade pizza and it saves us money on delivery.
29. Make your own baby food – Buying premade baby food is great for having it on-the-go, but if you’re a stay-at-home mom, then you might as well make your own baby food to save money.
30. Breastfeed (if you can) – Infant formula where I live isn’t cheap ($15+ per can), so I chose to breastfeed 3 of my 4 kids to save money on milk.
31. Grocery shop only once each week – If you go shopping only once it’ll keep you from going over your grocery budget, plus you’ll save money on gas from not making the extra trip.
32. Use energy-efficient light bulbs
33. Install dimming light switches to preserve electricity
34. Keep your vents open and clean
35. Wash clothes in cold water
36. Hang your clothes to dry
37. Fill your dishwasher to capacity before running it
38. Use a programmable thermostat – So you can control the temperature in your home automatically and save on your utility bills.
39. Use blackout curtains – I SWEAR by this! Especially in the summer months, they work perfectly to help keep our home cool.
40. Unplug unused appliances – I’m guilty of leaving the toaster plugged in for no reason. So it’s good to unplug anything that’s not “in use” so you’re not wasting electricity.
41. Buy energy-efficient appliances
42. Pay utility bills on time – So you can avoid unnecessary late and reconnection fees.
43. Move into a smaller home – Not only will you save money on your rent/mortgage, but you’ll also save money on your utilities. We lived in a two-bedroom apartment (with our 4 small kids) for 2 years and it saved us an extra $8,000!
44. Cut your cable and watch your favorite shows, news, and sports for FREE – Here’s how.
45. Switch to a low-cost cell phone plan – We’ve been using MetroPCS and love it! Plus we save an extra $1100/year.
46. Attend free events
47. Go to discount movie theaters – Or you can just go to the movies when the tickets are at discount prices.
48. Dine out at lunch instead of dinner – Most restaurants run lunch specials or serve entrees that are cheaper at these times.
49. Order water with your meals – I also like to ask for extra lemon and sugar packets to make lemonade for free!
50. Dine at restaurants where kids eat free! – This is just one of the ways my family still enjoys eating out for cheap.
51. Visit museums and zoos on free admission days – Follow your local zoo and museums on social media to learn when your family can enter for free!
52. Sell your old clothes before buying new ones – I like to sell my kids’ old clothes, shoes, or toys so I can have money to swap them for bigger sizes.
53. Learn to DIY – I’m that girl that will not pay for something that I can learn how to do myself. My latest DIY project was learning how to give my boys a haircut at home!
54. Buy kids clothes from thrift stores and consignment shops
55. Ask your friends and family for hand-me-downs
56. Use cloth diapers instead of disposable diapers
57. Make your own cleaning solutions – You can clean just about anything in your home using ingredients like white vinegar, baking soda, and essential oils!
58. Do your own manicure and pedicure – This alone will save you about $80 per month.
59. Buy used designer clothes and handbags
60. Exercise at home – Ditch your gym membership and hop on Youtube to find at-home workouts for FREE!
61. Use public transportation whenever you can
62. Become a one-car family
63. Wash your own car
64. Compare prices on auto insurance and switch to the lowest price
65. Check gas prices in your area before you fill up using the GasBuddy app
66. Drive slower to save money on fuel
67. Book all-inclusive stays
68. Use Airbnb instead of booking hotels (especially if you have a big family like ours!)
69. Use your credit card rewards to book free travel
70. Track your budget using free apps like Mint, EveryDollar, and Personal Capital
71. Make extra money and gift cards for doing surveys in your spare time – The top survey companies I recommend you join for extra money include Survey Junkie, Swagbucks, Harris Poll Online, Pinecone Research, and Inbox Dollars. These companies are free to join and free to use, so it doesn’t hurt to sign up for as many as you can!
72. Enter free sweepstakes and giveaways – There’s no guarantee you’ll win anything. But the more contests you enter, your chances of winning will increase! You may win cash, gift cards, vacations, electronics, food, and more!
73. Freeze your credits (literally) in water to avoid using them
74. Have a “no-spend” weekend where you don’t spend a cent!
75. Buy generic medicines
So what’s next?
I’ll be honest, all these frugal living tips are amazing if you’re looking for simple ways to save money every month. But they won’t be effective if you’re drowning in chaos every day.
So if you’re struggling with budgeting as well as trying to keep up with the chaos of your home and EVERYTHING ELSE that you have going on in life, then you need to join the Reclaim Your Sanity Challenge: 8 Simple Steps to Conquer Overwhelm and House Management (even if your husband doesn’t help), so that you can live a life that supports your effort to save money. Grab it while it’s still FREE here!