53 Ways You Can Embrace Frugal Living Today

For some of us, frugality comes naturally. But for others, frugal living conjures up images of a miserly, meager existence. No wonder so many tune out when the topic of frugality comes up!

53 Ways You Can Embrace Frugal Living Today

As someone who’s always been frugal, I can vouch for the benefits of living a frugal life. There are so many!

Why Embrace Frugal Living

53 Ways You Can Embrace Frugal Living Today

Are you pumped up and ready to start saving? In no particular order, here are my 53 favorite frugal living tips to help you save money and spend less.

Revisit your recurring expenses to see if you can reduce, cut or optimize them. For example: do you still read that magazine? Could you get away with less mobile data? Revisit your expenses annually (at minimum) plus anytime your needs or life situation changes.

Regularly revisit recurring expenses

Shop around and get new quotes

Every year or so, shop around and get two to three new quotes on your recurring expenses. Switching to a competitor or taking advantage of promotions could save you hundreds.

Instead of leaving for a competitor, try negotiating with your biller. Call and ask to speak to the retention department. 

 Ask for loyalty discounts

Some billers offer a discount to customers who pay their bill once a year or all upfront versus monthly. Insurance, online services, and some medical services often offer this payment option.

Pay annually  (or all upfront) instead of monthly

Maximize your spending by paying with a rewards credit card. Even better—use a card that offers higher-earning categories. (For example, groceries, gas, restaurants.)

Pay with a credit card