Frugal Living: 53 Ways You Can Start Today

[{"selector":"#anim-c2ced07e-a17c-4dc7-a537-4eb9823c7018","keyframes":{"opacity":[0,1]},"delay":250,"duration":2000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-aa93445b-213f-47c9-9976-bd6c9a7ec1b0","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-aa28ba23-7c5d-4bfb-ab5b-3d1658169bc5","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":0,"duration":600,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-2b07eaeb-a437-4929-9f95-c6a3c3ceb171","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] Learn more

Frugality is the simplest, quickest way to improve your finances. When compared with increasing your income, living frugally is far easier.

[{"selector":"#anim-ad361c54-9556-460b-9154-cfde9c56b542","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e53c207b-ef38-40b0-817e-2c1fe73bb42b","keyframes":{"transform":["translate3d(-107.01299%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5b97601b-1e1b-4775-b7ac-642f0f83ee66","keyframes":{"opacity":[0,1]},"delay":0,"duration":3000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d4668f18-829a-452e-9c87-003a1fe9c352","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c08f2bcf-f215-4122-8b3b-ddf707c280c5","keyframes":{"transform":["translate3d(107.50508%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-bd48875d-73ce-4423-ac32-39a0114f8b1b","keyframes":{"opacity":[1,1]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-15e1d10b-ffd9-4a03-90ad-6c14daaceed7","keyframes":{"transform":["scale(3)","scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] Learn more

You don’t need special training, knowledge, or tools to save money. Simply pick a tip and get started TODAY!

[{"selector":"#anim-73d6926a-21a8-49ee-9221-ab32d8c26410","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5929bfb3-3eac-4c32-9b32-b88f7035d9d2","keyframes":{"transform":["translate3d(108.07453%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-271bb775-23b0-4335-b3e8-7d0328700cb3","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-06f9389a-af1b-4656-8155-26779d918265","keyframes":{"transform":["translate3d(-107.01299%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d78c1531-5db6-4c9a-bafd-910ebf736a4a","keyframes":{"opacity":[0,1]},"delay":0,"duration":3000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] Learn more

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.

[{"selector":"#anim-cdff060c-531e-4770-842a-660be581b226","keyframes":{"opacity":[0,1]},"delay":400,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-3308c9a0-0dc6-4e3a-9956-12f8017ac2be","keyframes":{"transform":["translate3d(114.92064%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-86dd8fa1-0ec3-4da8-b5c4-f0adf679b0d4","keyframes":{"transform":["translate3d(-71.7833%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9bebdde8-eed9-440e-ba5c-a81828c3b53a","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6d6ebe3c-9295-4290-8189-5a1733dcc7d6","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-7a2b0c01-a203-465d-b44b-a872e5bb0c51","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1a3b60ad-917d-4784-a4a3-aee6e954079e","keyframes":{"transform":["translate3d(-115.14196%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Learn more

Shop around and get new quotes

[{"selector":"#anim-b67b4576-7298-4540-9485-94e92ed633fb","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b2e9d27e-c3ac-4d5d-8446-2d247f574b44","keyframes":{"transform":["translate3d(-115.18988%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9510c761-1f50-4576-8071-afd648f23f48","keyframes":{"opacity":[0,1]},"delay":400,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e20a09d4-4e85-40b6-b23f-e3447dbfc995","keyframes":{"transform":["translate3d(115.92356%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-63e814d3-b3d7-42a2-b6d2-11e7eb25c427","keyframes":{"transform":["translate3d(51.17647%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6eb0c4af-ec7b-44f9-9cd0-250160944beb","keyframes":{"opacity":[0,1]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-479056da-2ecd-4623-92c5-c5c03fbd9ea9","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] Learn more

Mention how long you’ve been a customer, then negotiate for a discount or get them to meet (or beat) a competitor’s rate.

[{"selector":"#anim-c5175767-b258-4e73-b041-bc2a800e4d51","keyframes":{"transform":["translate3d(-71.7833%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-37e49d99-8be6-44a8-a85c-d2f9e27da795","keyframes":{"opacity":[0,1]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0f4f1d8a-54b5-4f27-a0dd-8aa383dacdec","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-71cbc727-9d24-4402-85af-32fffb8a8fe8","keyframes":{"opacity":[0,1]},"delay":400,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-70221a42-c369-4f57-ae5a-3618b57dbadc","keyframes":{"transform":["translate3d(114.92064%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-30943254-71a4-4a90-a598-95e9fe805741","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a92e48d0-f579-41cc-a51b-5b1c60afa726","keyframes":{"transform":["translate3d(-115.14196%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Learn more

Pay annually (or all upfront) instead of monthly

[{"selector":"#anim-fee936ff-34e6-4d77-88fe-2aa7149d13f4","keyframes":{"transform":["translate3d(51.29412%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-defc3bfd-7ddc-4838-9863-c613b638b1fc","keyframes":{"opacity":[0,1]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-05e3bf54-a043-4a32-b6cb-d91a93b51d84","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-863e45b2-acc3-405f-903a-6044f7b36808","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4e2b21c6-eb35-43ff-837b-610c77e4128e","keyframes":{"transform":["translate3d(-115.18988%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b16d04be-1059-4ac2-8c44-9bec67c7c9e2","keyframes":{"opacity":[0,1]},"delay":400,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-edfca39a-a146-4841-ac77-713ab1b97ddb","keyframes":{"transform":["translate3d(115.28663%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Learn more

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.)

[{"selector":"#anim-6226084a-e21b-4ef0-ba66-2f4baf3ca797","keyframes":{"transform":["translate3d(-71.7833%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-eaaedd27-0dc4-4d6a-bb4c-7179fd3e91bc","keyframes":{"opacity":[0,1]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a4ffab5e-d11f-4a62-b7c1-fbb80ec1aa8c","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-97e4ade4-a255-4ca1-93d4-e69756c58303","keyframes":{"opacity":[0,1]},"delay":400,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2dc3b894-43f7-4c35-8e28-9f96ddfa3c51","keyframes":{"transform":["translate3d(114.92064%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ead300f7-fd72-4848-b8c5-61f48245aef1","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2db6cf20-ae48-469e-9ecb-ac8b1aa61ace","keyframes":{"transform":["translate3d(-115.14196%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Learn more

Swipe Up

[{"selector":"#anim-332ffa43-3e8a-453d-8dcc-b61894d4dd81","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-61aa3fc3-b444-4fc8-8ac5-a9aa8c4c1e09","keyframes":{"transform":["translate3d(0px, -289.76616%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-019f145e-58e6-46e4-a2e0-09c11d1fa84b","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-90c3cce4-f12f-41f1-b3b5-7040991926d8","keyframes":{"transform":["translate3d(0px, 181.56378%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Learn more

Frugal Living: 53 Ways You Can Start Today

Frugality is the simplest, quickest way to improve your finances. When compared with increasing your income, living frugally is far easier.

You don’t need special training, knowledge, or tools to save money. Simply pick a tip and get started TODAY!

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.

Mention how long you’ve been a customer, then negotiate for a discount or get them to meet (or beat) a competitor’s rate.

Ask for loyalty discounts

Pay annually (or all upfront) instead of monthly

Some billers offer a discount to customers who pay their bill once a year or all upfront versus 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

Swipe Up

for more finance, business, and real estate advice

Read More