15 Frugal Ways You Can Save Money Today (2024)

I’m all for using frugal ways and saving money each and every day! Here’s the deal, you can start with the ideas I am sharing today and add more as you think of them yourself. I have written about giving up paper and plastic products several times, but I feel inspired today to refresh our memories on how easy it is tosave money. You may remember the picture below that shows my handy dandy cloth (paper) towel,holder.

I’m sure there are even more ways to save money by using cloth or reusable containers, etc. Here are some of my favorite ones. Thankfully, I’m old enough I don’t have to use those lovely menstrual pads and such, but I would use these today to save money as shown below.

Table of Contents

Frugal Ways

1. Paper Towels

I must admit I do not like shopping at any grocery store, so it’s one less paper towel I have to purchase only to throw it awayafter it’s used. Please keep in mind I use paper towels for bacon to drain on and toss the greasy sheets. Once you start using cloth, it’s really hard to even walk by the paper towels at Costco.

I just think of the $$$$’s I’m saving. People may say, “what about all the water, power and soap you are using to wash the cloth items?” I get it, I really do. The trick here is to get these thin ones: Thin Diapers for Paper Towels


Please keep in mind I use regular paper towels for cooked bacon to drain the grease and toss them. Also, I have to wash my hand towels and wash clothes each week anyway, so have more to wash really doesn’t add to the cost since it’s generally one load per week.

2. Reusable Water Containers

This one is fairly simple because we just have to buy some stainless steel water jugs and refill them with our own “good water.” I use Reverse Osmosis, but you may have your own favorite water source. I’m not sure what water is really in the bottles we can buy filled at the local grocery store. I prefer stainless steel because it won’t break when the jug slips out of my hands. Here are some I like: Stainless Steel Water Jugs

3. Use Cloth Diapers

I know, I can hear some people now, “no way am I using cloth diapers.” Well, when Mark was in school we used cloth diapers and there is no way we would have had the money for disposable diapers. We also had zero student loans and most current grants were not available back in our day.

Read More of My Articles How To Make Bread

Yes, you have to flip the poop off the diaper and soak them if you want, but money is money in my bank account. We have become a disposableculture. It needs to stop. Period. You can reuse the diapers and plastic pants for years. Yes, you may have a bigger investment, to begin with, but you can use the cloth ones for years. I mean years.

Here are some that are reusable: Cloth Diapers and Plastic Pants and Awesome Cloth Diapers

4. Tissues/Hankies

I use so many tissues for my nose I decided to ditch them and now I use cloth ones. I quit buying the paper ones and now use these: Cloth Hankies

5. Toilet Paper

Okay, I must put a HUGE disclaimer here. I have made hundreds of these for an emergency, but I have not used them, yet. Here’s my post where I show how to make them. Family Cloth-Reusable Toilet Paper

6. Clothesline/More Frugal Ways

Invest in a clothesline for two reasons, one to save money and to have a way to hang up your hand washed clothes after a disaster. These are my favorite clothespins: Kevin’s Clothespins

7. Change Out Light Bulbs

This is one way we have really cut our power bill. We slowly replaced our awful fluorescent light bulbs with LED ones. Yes, they may cost more up front and they often do not last as long as the box says they will. But, in the long run, my electric bill continues to drop. What to Use for Emergency Lighting

8. Cut Down On Germs

Now, this may sound crazy, but I swear by clean bathrooms, clean remote controls, clean light switches and clean phones/cell phones. Sometimes I think I am a germaphobic, isn’t that a word? Here’s the deal, if we keep things clean, we will stay well if we eat the right foods to boost our immune system. I still wish some churches had those hand sanitizer containers hanging on the wall. Just saw a report on TV that the flu season is going strong. Help prevent getting the flu by protecting against how it is passed from person to person. Items That Work as a Disinfectant

9. Beans-Once A Week

If you want to cut your grocery bill, eat beans at least once a week. Yes, I still eat my bean burrito without cheese every day. Good salsa is key to me. I love beans, but I grew up eating them at least two or three times a week. I add some rice and some fresh Cilantro, tomatoes in the summer and I’m good to go with just about any meal. How To Cook Beans and Save Money

10. Pasta-Once A Week

I grew up eating spaghetti at least once a week and I still love it, even without meat. Mark has a bag of frozen cooked hamburger with onions he can add to his plate. I use a frying pan with two pounds of hamburger and two white onions chopped and cook it until done. I drain the fat, if any, cool it, and freeze it in a bag. Mark can scoop out the amount he wants with his pasta meal.

Read More of My Articles How to Live with Less and Eat Less

11. Cook From Scratch

Everytime you stay out of the store, grocery, big box or whatever, you will save money if you plan ahead. Write down the things your family eats the most each week and watch for sales on those products. Stock up and save money. If you cook more meals from scratch you will save money in the long run.

Now that my family is down to two people, I buy case lot sales of vegetarian refried beans. Yes, I could buy the bag, but for now, the cans work great for me. I work full time on my blog and I have to cut my time in different ways. Buy what you will eat and store it, you may need it sooner than you think. Please be prepared for the unexpected. 11 Things Every Pantry Needs To Cook From Scratch

12. Make Bread

I know a lot of people have gluten issues, but if I didn’t make bread my grocery bill would be crazy high. Plus, I have made bread for so many years, I’m fussy about bread. I love my white bread, whole wheat bread, and cinnamon rolls to name a few. How To Make Bread by Linda

13. Plant a Garden

Now’s the time to prep your garden spot. If you don’t have a place to put pots to grow some vegetables or fruits, see if your city has a community farm where you can participate.12 Budget-Friendly Beautiful Garden Tips

14. Pay Extra On Your Mortgage

As you may know, I used to do mortgages and I owned my own company for about 15 years. I will be writing about mortgages very soon, but one thing I want to say today is this, pay more than your regular payment so the extra will be applied to the outstanding principal amount. Be sure and label it “extra principal.” Set up your house payment to come out of your account as close to the 1st of the month as you can. You will save interest, lots of interest, over the years. 12 Ways to Reuse Broken Household Items

15. Pay Extra Towards Your Car Payment

If you can afford to pay cash for a car, you rock. For those who can’t pay cash, pay extra towards the principal on your loan. If your payment is $325.00, pay $350.00, or whatever you can afford to be applied to the principal. You will have your car paid off sooner than expected and pay a whole lot less interest.

More Money Saving Tips

  • 58 Frugal Kitchen and Pantry Items You Need
  • 101 Frugal Meals You Can Make Any Day
  • 101 Frugal Items You Need For Survival

Final Word

These are just a few frugal ways to save money. I know tough times are coming ahead, please be prepared for what our economy may do in the future. We must be prepared.

Copyright picture:AdobeStock_10520601 by Andy Dean

15 Frugal Ways You Can Save Money Today (2024)

FAQs

What are 5 ways you can be more frugal in your own life? ›

12 Tips for Frugal Living
  • Choose quality over quantity. ...
  • Prioritize value over price. ...
  • Use credit wisely. ...
  • Declutter regularly. ...
  • Use a budget to guide your spending. ...
  • Know the difference between wants and needs. ...
  • Be a savvy consumer. ...
  • Prioritize your values.
Oct 17, 2023

What is the 30-day rule? ›

The premise of the 30-day savings rule is straightforward: When faced with the temptation of an impulse purchase, wait 30 days before committing to the buy. During this time, take the opportunity to evaluate the necessity and impact of the purchase on your overall financial goals.

How to be frugal and save money? ›

So, we put together our 15 favorite frugal tips to live by that are also super simple and easy for anyone to use.
  1. Tip 1: Differentiate between Luxury Spending vs Necessary Expenses. ...
  2. Tip 2: Make Cuts in Your Spending. ...
  3. Tip 3: Cap Your Spending. ...
  4. Tip 4: Keep Receipts and Track Spending. ...
  5. Tip 5: Think Twice Before You Buy.
Jan 19, 2024

How can I save money in 5? ›

Here are some tips to save money while you enjoy life:
  1. Understand family spending habits. You have to be clear about your family's source of income. ...
  2. Think twice before you shop. ...
  3. Learn to say "no" to unnecessary expenses. ...
  4. Savings for each specific goal. ...
  5. Plan for incurred expenses.

How to be super cheap? ›

I should note that I do most, but not all, of these tips.
  1. Go with one car. Many families have two or more cars. ...
  2. Go with a smaller house. ...
  3. Go with a smaller car. ...
  4. Rent rather than own. ...
  5. Look for used first. ...
  6. Eat out less. ...
  7. Eat out frugally. ...
  8. Brown bag it to work.

How to live extremely frugally? ›

Frugal Living – Extremely Frugal Tips and Tricks
  1. Freeze the credit cards. ...
  2. Write Down Every Expense. ...
  3. Turn Your Water Heater Down to 120F or Lower. ...
  4. Start a Winter Garden. ...
  5. Start running the dishwasher on the short cycle. ...
  6. Use rags instead of paper towels. ...
  7. Make one freezer meal per week.

What is the 50/30/20 rule? ›

The rule is to split your after-tax income into three categories of spending: 50% on needs, 30% on wants, and 20% on savings. 1. This intuitive and straightforward rule can help you draw up a reasonable budget that you can stick to over time in order to meet your financial goals.

What is the 3 month rule? ›

The three month dating rule is a trial period that allows couples to shift from the honeymoon phase of dating to an integrated love phase. "What I mean by that is usually a few months into dating, we start to see some of the quirks, or maybe we start to notice things that we find annoying or irritating," Pharaon says.

What are the 90 days rule? ›

To solve that problem, USCIS uses the 90-day rule, which states that temporary visa holders who marry or apply for a green card within 90 days of arriving in the United States are automatically presumed to have misrepresented their original intentions.

What is extremely frugal with money? ›

I mend holes in my clothes instead of throwing them away. I carry a water bottle and take my own teabags to work instead of buying expensive takeaway coffee. I re-use and recycle what I can, and try to save energy because that's good for the planet. If I don't have the money I try not to buy stuff I don't need.

How can I save money while poor? ›

How To Save Money Fast On a Low Income: Making Ends Meet
  1. Create a Budget. ...
  2. Open a Savings Account. ...
  3. Save Money on Bills and Utilities. ...
  4. Cancel Unwanted Monthly Subscriptions. ...
  5. Pay Off Outstanding Debts. ...
  6. Always Look For Deals. ...
  7. Change Your Financial Institution. ...
  8. Get A Side Job.
Jan 26, 2024

How can I save money without going broke? ›

How to Save Money: 23 Tips
  1. Make a budget.
  2. Say goodbye to debt.
  3. Set a savings goal.
  4. Save money automatically.
  5. Buy generic.
  6. Meal plan.
  7. Cancel some subscriptions and memberships.
  8. Adjust your tax withholdings.
Apr 5, 2024

How can I save $1000 fast? ›

11 Easy Ways to Save $1,000 in 30 Days
  1. Create a Budget. ...
  2. Automate Your Savings. ...
  3. Create a Savings Bingo Sheet. ...
  4. Negotiate Your Bills. ...
  5. Separate Wants From Needs. ...
  6. Plan Your Meals. ...
  7. Buy Generic Brands. ...
  8. Cancel Unnecessary Subscriptions.
Sep 26, 2023

How can I save $500 quickly? ›

8 ways to save money quickly
  1. Change bank accounts. ...
  2. Be strategic with your eating habits. ...
  3. Change up your insurance. ...
  4. Ask for a raise—or start job hunting. ...
  5. Consider a side hustle. ...
  6. Take advantage of a credit card that offers rewards. ...
  7. Switch up your transportation habits. ...
  8. Cancel subscriptions you don't really need or use.

What are three example of frugality? ›

Example of Frugality

Listed below are examples of frugality: Saving money from my school allowance. Checking my available money before buying things. Have a budget of monthly expenses.

What's the best example of frugal living? ›

Purchase used items. A frugal person doesn't always have to buy new items. Their buying habits often involve buying used items, which saves them a lot of money. Online marketplaces, garage sales, and thrift stores are all places where used items can be found.

How do you live frugally with a family of 5? ›

Live below your means.

If you always live like you're broke, you'll have money left over in the end. Even if you CAN afford to go out to a nice dinner tonight, save that money for when you really need it. Even if you CAN get a new, expensive car, opt for the used car that gets you more bang for your buck.

What is an example of frugality? ›

Here are six examples of frugality (and not cheapness): Mending clothing with minor damage, instead of just throwing them away. Making lunches at home for work instead of going out for lunch every day. Riding a bicycle for trips within two miles of home (or longer, depending on ability).

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