Live Frugally On One Income: 43 Simple Hacks
You need money in the bank, and you’re doing what you can to make it happen. You’ve stopped eating out, cut every unnecessary expense, and have even tried a money saving tip or two …
Yet despite your efforts, all the tips you’ve found on “how to live frugally on one income” haven’t made an impact on your savings account. And now you’re jaded over the whole failed promise of frugal living…
You’ve come to the right place. This guide is not a roadmap to being “cheap”. Instead, you’re about to get 40+ practical (and easily achievable) ways to be smart with your money so that living frugally on one income comes naturally.
Save Money on Food
Food is the #1 place people overspend, and grocery stores know it. They use every tactic in the book to lure you into spending more money than you intended. Take these frugal living tips, and use them to cut costs on food.
1. The *Easiest* Money You Will Ever Save (Plus grab a $1 gift card today!)
Want to turn your debit card into a 1% cashback rewards card? Want to turn your 1% cashback credit card into a 2% cashback rewards card?
Download the Dosh App, connect your card, and start earning cash back rewards. What’s more? The Dosh App works automatically in the background at over 1,000+ locations (like Walmart)! Here’s just a peek at some the places YOU could be accumulating free cash from:
The only time you’ll have to open the App is to redeem that sweet moola you’ve been accumulating from using your card like normal.
COVID-19 Hack: As of 4/22/20, Dosh is offering 4% cash back at Safeway and 4% cash back at Vons when you order your groceries online. Create your free Dosh account here to earn easy money on groceries through the Dosh app, and grab a $1 welcome bonus! (Pro tip: use Dosh and Ibotta together to earn even more money)
Get the Dosh App, and receive a $1 bonus just for signing up with our link.
Read more about the Dosh App in our honest (and in-depth) Dosh App Review.
2. Save $5 Every Time You Visit the Grocery Store
$5.00 in 5 seconds? It’s possible with the Ibotta app.
Ibotta is a free mobile app (iOS and Android) that pays you free money every single time you go grocery shopping!
Simply snap a picture of your grocery receipt and immediately, your Ibotta account updates with free money, ready for you to redeem it in the form of a free Amazon gift card, Visa gift card, your favorite restaurant’s gift card, or PayPal cash.
So, if you like free money… Download the Ibotta App here and grab a free $20 gift card just for trying it out!
Want to hear even more ways Ibotta can save you money? Check out our Ibotta explainer video, here!
Ibotta has cash-back offers on grocery and restaurant delivery services:
– DoorDash– $2.50 Cash Back on your first order
– Instacart– 2% Cash Back
– Grubhub– 10% Cash Back for new customers, 2% Cash Back for existing.
– Blue Apron– $12.50 Cash Back for new subscribers
– Home Chef- $10 Cash Back for new subscribers
Download the free Ibotta App here (and grab this $20 Welcome Bonus for trying it out)
Related Post: Ibotta App Review
3. Lower Your Bills
When was the last time you looked through your bank and credit card statements? Do it again, but only this time, intentionally search for expenses you can cut. Do you really need to pay for Netflix, Hulu, HBO, Disney+, and cable all at the same time? No! Buy one streaming services at a time, watch one to two shows at a time, and cancel your subscription. Get creative. Also check out these 3 services below; they are experts at lowering their client’s bills:
Lower Your Home and Auto Insurance Bills
Insurance companies are always telling you to, “switch and save.” But which insurance company will give you a better rate without compromising service?
Insurify compares home and auto insurance of the top insurance companies. Input your information, and Insurify will find you the best rate for the insurance coverage you need. What’s more, if Insurify feels you already have the best insurance, they’ll tell you. So whether you switch or not, you will leave Insurify knowing you have the best home insurance and auto insurance at the best price.
Compare home and auto insurance rates with Insurify, and then make the switch to lower your bills.
Lower Your Internet Bill (and more)
Trim is a group of bill negotiating experts who lower their customer’s internet, cable, phone, and medical bills. Simply get the app and you’re pretty much done. Trim will get to work lowering your bills. They’ll also cancel your old, unused subscriptions.
What’s more? If for some odd reason Trim can’t lower your bills, their service is free. When Trim does lower a bill, you keep 66% of your savings the first year and 100% of your savings every year after that.
Trim saved its users over $1,000,000 last month alone. Why not give it a shot? Literally, the worst thing that can happen is you don’t save money.
Try Trim to have a team of expert bill negotiations lower your monthly bills.
4. Meal-Prep Delicious (and cheap!) Food.
Been thinking about meal-prepping but don’t know what to cook? Don’t waste your money on failed recipes that end up tasting horrible by day 3! Instead, Sign up for $5 meal plan and get uber cheap meal-prep recipes sent straight to your inbox every Friday!
You will be given one week’s worth of meal-prep recipes + a curated shopping list, and every meal is engineered to cost no more than $2/person!
Try $5 Meal Plan (and get a Free 14-Day Trial when you sign up here!)
5. Eat More Meals At Home
Save hundreds, if not thousands, every month when you get into the habit of cooking your dinners at home. It’s a much healthier option for your family, and you can exchange those $80 meals for food with way more flavor. In other words, try $5 Meal Plan for Free for 14 days. Your pallet won’t regret it.
6. Pay Down Credit Card Debt Sooner (Spend Less on Interest)
How much interest are you paying on your credit card debt? How much faster could you get out of debt if you had 0% interest?
Great News! Balance transfer credit cards and debt consolidation loans can help you lower your credit card interest rates down to 0% APR.
Balance Transfer Credit Cards
Balance transfer cards offer 0% APR for a period of time, usually between 12 to 18 months (actual rates depend on your credit score). That means for an entire year, nothing goes towards interest. Every cent you put toward debt actually pays down your debt. It’s encouraging! Without interest, or just a lower interest rate, debt isn’t as scary. It can be overcome.
Lower your interest rate (maybe all the way down to 0% APR!). Find a secure Balance Transfer Card here.
7. Teach Your Children the Value of Hard Work and Saving Money with Greenlight
Want a simple solution to set your children on track for financial success? You can teach them the importance of careful spending, wise saving, generous giving, and the value of hard work with Greenlight, the debit card for kids and teens.
Greenlight is a secured debit card tied to a bank account that helps teach your children about being smart with their money. You can set limits on how much they have to spend, so they will have to think twice before wasting money on mindless purchases instead of saving for that Xbox.
You can teach them the value of hard work when you set up chores for them to do. After they complete the work, they get paid. You can teach them the importance of saving by giving them an incentive to do so with “parent-paid interest.” If they save so much, you will pay them interest. It’s a great motivator to get into the habit of saving while they are young.
The secured debit card is connected to a bank account, and you control how much to put on your children’s card (you can have up to five debit cards for one low, monthly fee). You can set limits on how much to spend at restaurants, at gas stations, and even how much they can withdraw from an ATM. Sign up for Greenlight today and get your first month free.
Love to Educate K-8 Students, But You Just Don’t Want a Traditional Teaching Position? BookNook is for You
Do you have a passion for helping K-8 students succeed and want to make a difference in their lives, but you just could not commit to accepting a traditional teaching role?
If this is you, then you already know how frustrating it is to want to be a difference maker for students facing a variety of challenges, whether academic, economic, racial, or social. You just can’t ignore that desire burning within you.
There’s good news: You can do all those things to help students thrive and succeed on a flexible schedule in front of a computer from the comfort of your home.
BookNook is an online tutoring service dedicated to helping students from diverse racial, cultural, and economic backgrounds, and they are looking for tutors who are passionate about working with all kinds of learners.
The application process is simple. Apply online in 10 minutes. If you fit what BookNook is looking for, then they will send you some additional questions to answer via video. If they decide to add you as a tutor on an independent contractor basis, you will know in about five days.
To be considered as an online tutor, you will need 3+ years teaching or tutoring, or 1 year teaching or tutoring and at least a bachelor’s degree, or 1 year teaching or tutoring and current enrollment in a teaching credential program.
With BookNook, the hours are flexible, you will receive competitive pay with a chance of bonuses, you will experience personal fulfillment, and no two days will be the same.
Just because you choose not to be a traditional educator, don’t let your passion for education go unused. Use your gift of helping others and apply to become an online tutor with BookNook. Start making positive impacts on students’ lives again.
8. Save on Your Next Flight
Have you ever used a travel site in hopes of finding a cheap flight? They promise great prices, but they are so confusing to use. With technological advancements, you think finding a great deal on a flight would be easier.
Well, Scott’s Cheap Flights though the same thing, and they have delivered.
Simply sign up for Scott’s Cheap Flights, enter your local airport, and add 4-5 of your top vacation spots. Then, let Scott’s find you amazing deals. Every day, you will receive an email in your inbox with super cheap flights out of your home airport. Most deals are 40-90% off.
Sign up here to try out Scott’s Cheap Flights free for 14 days (you will even save 20% on a one-year membership with promo code BUDGET20)!
9. Be Frugal at the pump!
Check your car’s tire pressure. Have you ever ridden a bike with flat tires? It takes LOTS of effort. When your car’s tire pressure is low, it takes more energy (more gas) to move. Keep your tire’s PSI in check to save hundreds at the gas station.
Get Upside and Get Cash Back
We have all felt the pain at the pump. Whenever you fill your tank, it takes more money today than just a year ago.
But, you can do something about it right now and be frugal at the pump. Just download the Upside app (formerly GetUpside) and earn cash-back rewards at gas pumps, grocery stores, and appetizing restaurants.
After you install the Upside app, look for cash-back deals and exclusive offers from gas stations, grocers, and restaurants. The Upside app works at 45,000 locations across the United States. Unlike other cash-back apps, this one works at physical locations only.
When you are ready to get cash back, all it takes is a few taps. Open the app, check offers near you and claim your discount. Visit the establishment and after you finish paying with a linked debit or credit card, check in on the app and wait for the rewards.
You can get paid via PayPal, bank account, or gift card. Ready to start earning cash back at nearby stores? Install the Upside app and use the promo code AFF20 to grab a 20 cents-per-gallon sign-up bonus. Did we mention Upside is free?
10. Use a Credit Card (Everything Is 2% Off!)
“Do you have to go into debt when you use a credit card?” No, absolutely not. In fact, if you do go into debt, you’re using your credit card wrong.
Credit cards have rewards (cash back, miles, perks, etc.). When you swipe your card, you get a percentage back on your purchase: sometimes it’s a flat 2% cash back on everything. Sometimes it’s 3% cash back on groceries/restaurants, 2% cash back on gas, and 1% cash back on everything else. Certain travel cards will give you free checked baggage (that’s $100s in savings every flight).
So why are people afraid of credit cards? Because they have gone into credit card debt and got stuck paying interest. Know this, if you go into credit card debt, you will not make money; you will lose money. How do you not go into credit card debt? Pay off your entire statement balance at the end of every month. Don’t pay the minimum payment; pay the full statement balance. Do this and you will never go into credit card debt, you will never pay a late fee, and you will never pay a dime in interest.
In other words, every time you swipe your card, you make money. That’s why if you are in control of your spending and you know you won’t take on debt, you need to start using a credit card today. It’s really not that hard to earn over $1,000 in free money every year from your credit cards.
Credit Land is our favorite place to find a new credit cards because they gather the cards offering the most cash back.
Check out the top-ranked cash-back credit cards here (we use and LOVE #2)
And don’t forget to grab a separate travel card for your favorite airline (travel cards are massive cash back machines: free checked baggage, cash back on tickets, one free round-trip ticket every year, etc.)
11. Prevention Is Always Cheaper Than A Cure. (Eat Healthy and Save $20K!)
Eat healthy and exercise! If you commit to a healthy lifestyle now, you will save $1000s in hospital costs down the road! Besides, eating healthy while living frugally on one income can be easy!
Eating healthy is easy with $5 Meal Plan (get your 14 day free trial)
As for exercising, here are two ways to make it fun:
1. Sweatcoin gives you free stuff for walking. This free app turns your steps into Sweatcoins. Spend that coin in their exclusive marketplace, and you literally get free stuff for staying healthy.
2. Care to make a wager? HealthyWage bets that you won’t lose weight. But if their wrong, you get paid (maybe $1,000+). A little money on the table could be the motivation you need to get healthy.
>>Get free stuff for walking with Sweatcoin
>>Lose weight and win thousands with HealthyWage
Check out all of our tips to eat healthy on a budget here!
12. Your Favorite Foods Delivered To Your Door At 15% Off
Do you buy this stuff at the grocery store?
- Protein Powder
- Coffee/Keurig Pods
- Canned Beans
Why not get them delivered straight to your door… for 15% off!! If you have an Amazon Prime Account (if not, get a free 30-Day trial here), take advantage of their Subscribe-And-Save Program and save $100’s every month! Stick the food you want on next months delivery, and get everything on the list for 15% off. It’s some of the easiest money you’ll ever save.
Load up your cart with Subscribe-and-Save here!
Also See: 5 Amazon Hacks Every Prime Member Should Know
13. Save $100/Month On Water
Bottled water is a crime against humanity! It costs $100/month/person to drink the recommended amount of water from a bottle! Know how much it costs to put a filter under the sink? $3/month. So no more over-priced water bottles.
Instead, get yourself a water filter and a fancy, insulated reusable water bottle (since you can afford it now.)
14. Save The Environment (And Your Wallet!): Buy In Bulk.
Why buy pasta in a cardboard box when you can help the environment and buy it in bulk! Stock up on pantry staples by utilizing the bulk foods section at your local grocery store and let’s keep this savings train a’chuggin’!
And don’t forget to compare prices to Amazon’s bulk foods section and/or their Subscribe and Save store so you can be confident you’re getting the best price every time.
15. Keurig Coffee Made Cheap
I hate to break it to you, but drinking coffee from a Keurig is not as cost effective as brewing a pot the old fashion way. But I know, we all love our Keurigs so use these two tips to make your coffee extremely cheap.
- Use Amazon’s Subscribe and Save store to save 15% on every coffee pod
- Buy reusable pods and filters so you can brew any ground coffee with your Keurig
16. Clip Coupons 100X Faster
Hate clipping coupons? Why not get the smartphone alternative. Download your grocery store’s app for a collective list of coupons (all valid and ready to be redeemed) right on your smartphone!
Then stack your savings. Take a picture of your receipt with the Ibotta App for easy cash that can be directly deposited into your bank or be redeemed for free gift cards to your favorite store.
With Ibotta + the grocery store app, you’ll save significant money at the grocery store.
Related Post: Ibotta App Review: How to grab a free $20 Welcome Bonus
17. Get Paid to Shop at Your Favorite Clothing Stores Online
Need a one-stop-shop to stay updated on your favorite retailer’s coupon codes and current sales? AND get paid FREE CASH for shopping? Then you need to sign up for Rakuten (formerly known as Ebates).
Say you’re buying a new pair of jeans online from Express. Don’t pay full price! Use Rakuten and get 2.5% back on your entire purchase. But the savings don’t end there. Rakuten shows there’s an additional 20% off available when you sign up for the Express Newsletter. Then Boom! You just saved 22.5% on your purchase thanks to Rakuten.
So stop what you’re doing, and sign up for a free Rakuten account, right here (you’ll collect a free $10 welcome bonus)!
Related Post: Honest Ebates Review– How to save the most money with Rakuten
18. Capital One Shopping
It’s rare to find a promo-code that actually works at checkout, not to mention that the whole code-searching process can sometimes feel a bit sketchy. Good news! Capital one Shopping makes it easy to find and apply coupon codes.
Capital One Shopping holds a massive collection of coupon codes for practically every major retailer on the internet (we’re talking thousands of stores). Here’s how it works: after you add Capital One Shopping to your Browser, your online orders are scanned against their coupon database. If a coupon works, it gets applied to your order automatically.
It’s convenient, and, as you know, it feels great to save a little extra money right at the last second. This company does a lot of other cool money-saving stuff too, so if you want to learn more about them, check out our Capital One Shopping Review Article.
Get the Capital One Shopping browser extension here and start saving money
19. Pop Some Tags At The Thrift Shop
Thrift stores are a gold mine for “Like New” and “Brand New” clothing items going for 50-90% off! Mosey through your local thrift stores and start racking up those deals instead of “spendin’ $50 on a Gucci T-shirt”.
OR If you don’t want to waste hours sifting through bins full of flannel zebra jammies… Check out my next tip
20. Pop Some Tags (online)
Get Thrifty from the comfort of your couch with Poshmark! Search your favorite brand (Ex: Madewell Cardigan), grab your size, and capitalize on the deal of a century (then you too can be struttin’ and flossin’ and savin’ your money).
21. Make Room For More Clothes
Now that you’re a thrifting expert… why not sell your own? You didn’t ware that tank once last summer… SELL IT!
And use that money to update your wardrobe for the season!
22. All Hail The Sales Rack
Wanna know what happens when a store gets a fresh shipment of new clothes? The clothes that were just on display get shoved to the sales rack (for your bargain loving convenience)!
Start your shopping on the sales rack, and get more clothes for your money.
23. Save 15% On Toiletries AND Have Them Delivered To Your Door (and other necessities)
“Oh no, I’ve run out of toilet paper,” is not something you’ll ever have say again once you’ve stuck TP and all your other toiletry needs (toothpaste, floss, soap, you name it), onto your Amazon Subscribe and Save account.
These items will be delivered straight to your front door AND you’ll save 15%! Check out Amazon Subscribe and Save, and start saving 15% on the necessities!
24. Save $100+/Month By Checking For Deals
Don’t just throw an item into your cart without figuring out how to get it for as cheap as possible.
Grocery shopping? Check Ibotta for any cash back deals.
Shopping online? Check Ebates for any coupons and cash back deals? At the very least, log onto Amazon to see if you can get it’s cheaper.
Keep more money in your pocket and earn free gift cards while shopping!
25. Free Starbucks Anyone?
Why not make it a rule to only treat yourself to Starbucks when it’s free? Yeah, you can do that! And don’t worry, there’s plenty of ways to rack up free Starbucks gift cards like:
- Increase your cash back rewards on your debit/credit card with the Dosh App (And grab this Free $1 Starbucks gift card for signing up here)
- Do your regular online shopping (Ebates will pay you)
- Get cash back grocery shopping with Ibotta (Free $20 added to your account from using our link)
- Get cash back when online shopping with Ebates (Free $10 added to your account using this link)
Related Post: Starbucks Medicine Ball Recipe– A Healthy (Immunity-Boosting) Version
26. YouTube Is Your New Handy Man
When something breaks, look it up on YouTube! When living frugally on one income, it’s always good to know what can be fixed yourself and what truly needs a professional.
27. Save $20 at the Drug Store
Yea, Ibotta is the MVP when it comes to saving on groceries. But did you know they also dish out free cash for drug store shopping trip too!
Next time you’re stocking up on shampoo, snap a picture of that receipt and load up your Ibotta account with free cash! Download the free Ibotta app (and don’t forget to grab your free $20 gift card)
28. DIY Home Improvement
DIY projects are your best friend when trying to live frugally on one income. Search through Pinterest for budget friendly and DIY renovation inspiration when updating your house!
And while you’re already on Pinterest, go ahead and give us a follow 🙂
29. Insulate Your Walls
Want to save $100s-$1000s on your electric/gas bill? Insulate your walls! This one-time price will save you tenfold.
30. All-Inclusive Hotels Are Frugal Friendly
This may seem like an oxymoron, but all-inclusive resorts can align perfectly with a frugal living lifestyle (even on one income). Especially when you’re booking them with Groupon! For just $99/night (the average cost of a hotel room), you can live in luxery with the all inclusive package. Get your room plus:
- Free Meals At- Buffets, Cafes, Poolside, Steak Houses
- Free Room Service
- Free Drinks by the pool
- Free Scuba lessons
- Free Nightclub entrance (plus drinks)
- Free Golf
- Free VIP Pools
All included in that $99/night fee! Find your next stress-free, all-inclusive vacation spot.
31. Cash Back On Travel Costs Is Available
There are FREE money making opportunities on just about every vacation expense: flights, rental cars, hotel stays, vacation packages, and more!
Just check out the “travel section” on both Ebates and Ibotta. And for an added bonus, make sure you grab a FREE $30 just for signing up for free accounts using our links! Here’s $10 for trying EBATES! And Here’s $20 for trying Ibotta.
32. Travel On The Off-Season
Want a resort all to yourself while also saving money? Book your next vacay during an off season.
Psst… Hawaii is still warm in the winter.
33. Save $150/month and Cut Cable (But Still Enjoy Your Favorite Shows)
Stop paying astronomical prices to watch shows live, watch them at your own convenience for a fraction of the price!
34. Get a Library Card!
Do you like free stuff? Then take advantage of your local library!! Check out CDs, DVDs, books (obvi), and even Kindle books… It’s Fo’ FREE! [ 10 points if you can name that movie 😉 ]
35. Learn The Correct Way To Spend Your Money
There’s no faster way to build a savings than with budget. And no, a budget isn’t a tactic devised to make you live on the bare minimum. It’s a tool to help you keep your income over your expenses (AKA: how to stop living paycheck to paycheck). Because as long as you can keep your income over your expenses, your savings must grow.
If you’re serious about building a substantial $20K savings, and not just looking for a few fun tricks to save a few extra dollars here and there… Learn to budget. Learn to spend your money the right way so that you can live within your means and start watching your savings grow every month.
36. Save Time and Money With Auto-Pay
Ever gotten stuck with a massive $40 late fee because you forgot to pay a bill? Us too. With e-billing, it’s easy to forget about a bill in your email. Don’t let this happen to you again. Stick every bill possible on autopay, and let your bills pay themselves automatically.
Boom, no more late fees (and you saved a bunch of time not having to pay those bills yourself).
37. Save $1000+ When You Pay Off Your Debt.
Interest payments are bleeding you dry. Even a small debt can cost you thousands extra in interest payments (Money you didn’t even borrow!) But the faster you pay down your debts, the more interest you get to keep in your wallet.
Plus, how much easier would the rest of your bills be if you didn’t have to put $700+ towards your debts every month. If you’ve ever considered tackling your debt to experience freedom of being debt-free, let us show you how to make paying down debt incredibly easy.
Are you struggling with credit card debt? Check out our ultimate guide to paying off credit card debt fast. It includes every tip necessary to become debt free plus some options you haven’t even considered.
Alright, those are by far the easiest ways to live frugally on one income.
As long as you know how to spend your money correctly, these money saving strategies will help you live your life frugally without feeling like your living cheap.
If you have any questions, comments, feedback, or tips I missed, we’d love to hear it below!
Follow us on Pinterest for even more frugal living tips!
Want to save these frugal living tips for later? Pin it here!
- The Best Cash Back Apps for Android & iPhone
- Drop App Review: Get Free Gift Cards On Autopilot
- Why Am I Poor?: + How To Fix It
Free Workshop – Join our free Simplify Money Workshop
The *only* way to save money is to spend less than you earn. That means you need to decrease your expenses or increase your income.
We want to help you do both.
Join our FREE Simplify Money Workshop to learn the fundamentals of growing wealth. Because when you can spend less than you earn, your money has no choice but to grow. You will build your savings and pay down debt.
What’s more? We’ve got a bunch of free money-hacks to share with you:
- Hacks to lower your monthly bills
- Hacks to spend less on debt
- Hacks to start investing
- Hacks to increase your income by $20/month (with no extra effort)
This workshop has everything you need to accomplish the cardinal rule of personal finance: keep your income over your expenses.
Join our free 5-day Simplify Money Workshop, and start growing your wealth today.
Save More Money! Read these next…
Need help saving at your favorite stores? Check these out…
*Capital One Shopping compensates us when you get the Capital One Shopping extension using the links we provided*
This is super interesting. Eating at home is my biggest frugal habit! I need to start saving on flights.
Thanks for some really mindful money-saving tips especially for those who are living on one income. The best one is saving money on bills. Electricity or power bills are too heavy to handle. I believe if we are able to save money on these, we can actually add to our incomes. Thanks for letting me know about Trim.
do you really NEED the best/most expensive of everything? could you get the #4 best car instead of #1? how about a year-old car? we could have more money to spread around if we get what we need and no more.
I haven’t tried Ibotta, but I’ll definitely look more into it after reading this! Also I started meal prepping to save money and I’ve gotten my food down to about $1 per meal, it’s amazing! Great Post!
With a library card, Our library has free passes to get in to several local venues, one time per year.
I use a lot of these tips and have saved lots of money! Another tip I definitely recommend is the Target debit card. It’s not a credit card, rather it links to your checking account like a debit card and saves you 5% on everything! You also get free shipping on Target.com and an extended return period. Totally worth it if you already shop there a lot. I probably spend $200 each time I’m there, so that’s an automatic $10 off, plus any sales or coupons. The Target Circle offers also save you money- just download the Target app and add them to your account and you’ll automatically get some good deals (kind of like Ibotta). Speaking of Ibotta, you can link your Target account to Ibotta and stack those deals on top, and they automatically give you the cash back without you doing anything since it’s linked!
Thanks for the great tip Jess!
I found your site great validation for the many things that i am already doing while grocery shopping. Many years ago we began doing the many things which you state here and have saved a great deal of money.. It has allowed us to drop all our credit cards down to only one and now we are working on paying that one off. A great way to summarize the many things which you say here is for many of your readers to simply shop on the outside walls of the grocery store for as much of their needs as they can. They will soon find that most of their needs will be met there and the aisles are the places where they get hosed and where the temptation really lies. WE DO NOT EAT OUT AT RESTAURANTS! That is a special treat reserved only for special occasions as it simply is too expensive. Finally for those goods that are ONLY found on the interior aisles try to look for the economy products which are hidden on the bottom rack. Best of luck everyone, you can save the money if you sincerely want to and after time passes it becomes habit and you simply do the examples given here as if they were normal shopping….Tim
Thank you for the awesome tips Tim! So glad you enjoyed the article 🙂 It’s amazing to hear how well money saving tips like ours have helped you and your family .
I clicked on the Ibotta link to sign up and downloaded the app. Haven’t seen the $20 credit post. Do you know anything about it or referral code?
Hi Amber! The steps on how to claim your $20 welcome bonus should be in the “Bonus Section” of your app. I hope that helps!
Another great tip is to stop paying full price for cell phones! You can purchase a refurbished phone for half the cost of a new one or go to Walmart and purchase a prepaid phone that is for your current network for around $100 and insert your SIM card into it! We found this out recently when my husband’s $1000 new Samsung 10 stopped working!
Wow! That’s awesome! Thanks for sharing Becca 🙂
Love most of these tips and we definitely try to follow them in our house. The one I actually have a hard time with is Amazon Subscribe and Save, which you mention in several of your articles. The only the I I find on amazon that is actually close to being cheaper than the stores around me is dog food. It seems like you are more just saving on paying for convenience when you use Subscribe and Save. Would this be a correct statement?
Hi Barrett! So glad you enjoyed the tips. As far as Amazon Subscribe and Save, for us personally, yes it does save us money. I am an avid price checker so while in Walmart I pull out my phone and compare the price of paper towels to those on Amazon *with* the Subscribe and Save 15% off discount. If I can get them cheaper on Amazon I subscribe to the item. Convenience and not having to go to the store every time you’re out of an essential is also factor that saves us money on gas. Hope that helps 🙂
These are a lot of great tips! I live on one income so I’m always looking for ways to save/discounts. I’m considering traveling during off-seasons just to see how much cheaper it truly is.
Thank you so much Dyana! Let us know how your traveling goes!
Don’t buy soup, make it. Have a garden or container garden. Grow fresh herbs and dry some. make your own salad dressings. Make popcorn on top of the stove instead of microwaving. It tastes better. Compost.
Thank you for these tips Jane! So glad to have you here 🙂
Wow this is in depth! Glad I came across this article.
Thanks for stopping by Chris! Glad you enjoyed 🙂
Interesting tips, but several suggestions are only available in the US. 😔
Thank you so much, I definitely need this! I just got my blog to the point where I consider it ready for people to see–but I have no idea what to do next! There’s so much to learn about blogging and I appreciate how you’ve broken it down so there’s a roadmap to follow.
So glad you enjoyed! 🙂
Awesome post! Full of content! Love it! 🙂
Thanks for sharing useful information though!
Great article but most don’t apply here unfortunately ( Australia) … I be able to live better on my Disability pension. As it stands now that are absolutely no treats of any description no movies,no paid TV-no social catch ups,my cheque arrives Friday’s paid bills etc and I have between $30 & $40’s left for groceries and me me never gets a look in…. lol
THANKS great article.
Thank you for the kind feedback Lindi! I hope these companies extend their reach to Australia soon!
The world is certainly getting smaller, so I would like to think they would be. There is are no real bloggers here that talk sensible budgeting across the board like you, you are obviously a young couple by your photo, your advise can apply to both young and older people…
These are super helpful ideas! I’m keen on frugal living tips 🙂
Us too! So glad you enjoyed Diana!:)
That was an awesome article! Really simple stuff that could make a big difference!
Thank you Freya! So glad you enjoyed 🙂
We have salvage stores in our area! Punch in salvage stores in your area on Google and see what you get. Watch for desperation dates but if you do your homework you will learn that alot of foods can go up to years past their marked. Desperation date! I save on food and house hold products over 50 to 85% no coupons needed and I get to try new things, like spices because they are so cheap!
Great article. I just found your blog via pinterest and I must say its amazing.
Thank you so much Kristen! We’re so glad to have you here 🙂
Tons of people are talking about eBates, so I finally downloaded it! Thanks for sharing all these tips though.
Awesome! Yeah, we use Ebates ALL the time! And thank you for the kind feedback! 🙂
Awesome article! Can’t wait to try out some these tips!
So glad you enjoyed! 🙂
Loved this article! You, however, forgot to mention…Always use coupons. You can print/ download them free at Coupons.com to your phone. Print them out of you want the paper form of coupons. Every penny counts when you live on one income, you know!
So glad you enjoyed Nancy! 🙂 And thank you for adding that tip, printed coupons are a great way to save!
Love the sound of all your tips, all make perfevt sense, I have been a budgeted since childhood .. my father would make us keep an account book of sorts and we had to budget our $2 pocket money if we were underway 5 cents or even over we got $1.95 if we got extra mo ey like babysitting or mowing lawns it was recorded and then banked, that’s over 50 years ago now and still budget to this day… the last 6 years has been hard as I’m on a disability pension so not enough to save but not in debt don’t have credit cards deal only in cash and debit card, using my car helps but need for emergencies, groceries are only bought once a month my girl Cuddlz eats everyday I eat every other day and sometimes every third day, as I need to keep my health insurance up because of my health. My one treat a month is $ 30 into my pay pal account, so I can still get craft is items from China, papercrafting is a passion but it can be very calming for my anxiety and depression, my only other passion doesn’t cost anything, I don’t go out for meals, coffee, the movies or holidays all things I did before. Really wish we had this coupon thing you have up there for groceries would be very helpful. At the moment I’m having a clean out t sell items of any value to raise funds for a.mattress if any left a new TV. Now after all of that have you any advice on how I could do better I would really appreciate it. At my wits end…. Thankyou for reading ..☺️?☺️
Hi Lindi! Papercrafting sounds like a fun hobby, and I’m glad you give yourself a monthly treat to do something you love. Your situation is tough and one I’m not very familiar with, but my advice would be to take advantage of government subsidies. Being disabled and not being physically being able to work shouldn’t mean you have to eat less than 15 times/month. Can you decrease the cost of your healthcare? Or perhaps get free healthcare through your state? Can you sign up for food stamps? Get the care you need so you can at least maintain a minimum standard of living. You might also want to look at this article:https://budgetingcouple.com/make-money-now/ . There may be a money-earning opportunity that works with your disability? I wish you and Cuddlz the best!
hi Lindi, Just wanted you to know you are not alone. I am on a really tight budget , hubby is working but only part time. I have health issues, cannot stand OR sit for long periods of time so its almost impossible to hold down a job . I am in pain a lot. I am very frugal because I have never had much to work with anyway. But I have found over the years some joy in knowing I am not wasteful. I buy clothes at the thrift store and almost my whole house is furnished, dishes , shower curtain, bedding all second hand.
I trim my own hair, I reuse ziplock bags, use rags instead of paper towels, don’t wash my pjs or jeans evrytime I wear them, wash most everything on cold, water down my shampoo and conditioner, don’t buy any single use food items, sweep instead of vacuum, use less of everything I can, of course I don’t drink coffee . At Walmart I buy Pero , its a drink that feels like you are having coffee but $5 a container and lasts a couple months. maybe you could sell your paper cutting art good luck.
This are the best small ideas for saving money. Thank you for sharing your knowledge with us.