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10 Frugal Living Tips That Border on Too Extreme (But Actually Work)

May 29, 2025 By Teri Monroe Leave a Comment

frugal living tips
If you’re broke, there are a number of frugal things you can try, including recycling, preserving food and fixing your own car. Image Source: Pexels

If you want to truly be frugal, you’ll have to make some sacrifices and adjustments to your way of life. It may seem uncomfortable to cut back in this way. While some things may seem extreme, the amount of money you will save will make it worth it. Here are 10 frugal living tips you need to implement into your everyday life. You’ll be glad you did because they work!

1. Recycle and Reuse

If you’re trying to embrace frugal living, don’t let anything go to waste. It may be worth investing in things like reusable toilet paper and cloths instead of paper towels. You’ll also want to skip costly products like paper plates. Anything that is discarded after one use isn’t worth your money!

2. Try Cloth Diapers

If you have kids, you know how expensive diapers can be! One cost-effective alternative is to use cloth diapers. You will have to do more laundry, but in the long run, you’ll save thousands of dollars!

3. Hand Wash and Line Dry Clothes

Constantly using your washer and dryer can be very expensive and not energy efficient. Instead, consider hand washing and line drying your clothes. By doing this, your clothes will also last longer!

4. Use The Bottom of Jars

Do you not know what to do with jars of jam, bottles of ketchup, or salad dressing that just have a little bit left in them? You can use bottom of the jar recipes to save every last drop. A little bit of water will help you make sure nothing is wasted.

5. Cut Your Own Hair

We aren’t saying give yourself bangs. But you can save a lot by trimming your own hair. Additionally, at home hair dye has come a long way. Products like Madison Reed are practically salon-quality at home. This can save you hundreds of dollars a month.

6. Learn Sewing

Mending and hemming your own clothes is a huge cost saver. Plus, it’s easy to learn basic sewing like fixing buttons or patching holes. You’ll get much more life out of your clothes and won’t waste money on a tailor.

7. Cook from Scratch

There’s something to be said about cooking with simple ingredients. Fresh ingredients from farmers’ markets can also be very inexpensive. You might even want to start your own garden to save even more.

8. Preserve Food

Canning is a great option, especially if you have a garden. You’ll eliminate a lot of food waste and start building up your pantry stash. Having a deep pantry is essential when you need to make a meal in a pinch. If you always have things at home, you won’t be tempted to order takeout or go out to dinner.

9. Buy Everything Secondhand

Don’t overpay for clothes and essentials. You don’t have to pay full retail price to find things you like. Utilize the secondhand market on Facebook, Poshmark, and eBay. It’s also fun to visit local thrift stores and vintage stores. You may find that buying secondhand is not only more sustainable but also more your style!   A good way to find dirt cheap secondhand clothing is at yardsales.

10. Learn How to Fix Your Own Car

Car repairs can get expensive quickly. Most of the cost comes from the labor. If you can learn basic car repairs like changing your own oil, for example, you can save thousands of dollars over time. You’ll probably take better care of your car as well further extending its life.

Making Frugal Living Choices

Sticking to a simpler more frugal way of life can be challenging. But it’s totally doable. You’ll just have to see what works best for you and stick with it to maximize your savings. Over time, you won’t miss the luxuries you used to overspend on.

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Teri Monroe Headshot
Teri Monroe

Teri Monroe started her career in communications working for local government and nonprofits. Today, she is a freelance finance and lifestyle writer and small business owner. In her spare time, she loves golfing with her husband, taking her dog Milo on long walks, and playing pickleball with friends.

Filed Under: Frugality Tagged With: frugal living, frugal living tips, living cheaply

8 Utility Bill Cuts That Your Service Providers Are Willing To Give If Only You’d Ask

May 6, 2025 By Teri Monroe Leave a Comment

Finding discounts on your utility bills
Image Source: Pexels

Do you struggle to pay your utility bills? CBS News reported that the cost of electricity has risen from 14 cents per kilowatt hour in 2019 to 18 cents per kilowatt hour, an increase of more than 28.5%. The average utility bill in the US was nearly $300 a month in 2024. So, how can you reduce your bills? Here are eight discounts your utility companies may offer if you ask.

1. Assistance Programs

If you receive Supplemental Security Income or Transitional Aid to Families with Dependent Children, you may be eligible for low-income assistance programs. There are also several federal programs that you can apply for assistance. HEARTWAP provides emergency heating system repair and replacement services to low-income households. WAP provides eligible households with full-scale home energy efficiency services. The program is funded by an annual grant from the U.S. Department of Energy, and administered by a network of local agencies.

2. Senior Discounts

Some utility companies offer discounts to individuals 60 years of age or older. Some companies offer a 5% discount for seniors. Many towns have discounts on water services for seniors as well.

3. Veteran Discounts

Many companies offer discounts for active and retired military. For example, if you live in a deregulated electricity state, you can choose your own provider. Then, you can choose a provider that offers a military discount, since many have been discontinued.

4. Paperless Billing Discounts

Ask your utility providers about any discounts for paperless billing. These can be a one-time discount or percentage off each month. Either way, it can help you keep more money in your pocket.

5. Energy Rebates

Did you recently upgrade to energy-efficient appliances or insulation? Many states will offer you a credit for doing so. But they don’t always advertise this fact unless you ask directly. These discounts include rebates for installing energy-efficient water heaters, HVAC systems, building insulation, appliances, weatherization, lighting, and other energy-efficient improvements.

Federal tax credits for energy efficiency expired at the end of 2016, but some programs are still active. If you installed solar panels, you can still receive a tax credit.

6. Loyalty Discounts

Some companies will offer loyalty discounts for long-time customers. It’s best to ask about this type of discount because it usually isn’t offered upfront. However, many companies value loyal customers. So, it’s possible that you’ll be able to get a discount or possibly a lower rate overall.

7. Hardship Discounts

If you can’t pay your utility bill, call your providers. They may offer you hardship assistance. You may be able to make adjusted monthly payments on your balance to avoid interruptions in service.

8. Budget Billing

Budget billing evens out your payments throughout the year based on past usage. This way, you won’t have big fluctuations in your bills in different seasons. If for any reason you underpay or overpay, you’ll receive a credit or additional utility bill.

Reducing Your Utility Bills

When it comes to utility bills, every dollar saved is helpful. Be proactive and call your providers to find ways to reduce your bills. You may be surprised at what you qualify for and how much you can save each month.

Have you received any other kind of discount on your bills? Let us know in the comments.

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Teri Monroe Headshot
Teri Monroe

Teri Monroe started her career in communications working for local government and nonprofits. Today, she is a freelance finance and lifestyle writer and small business owner. In her spare time, she loves golfing with her husband, taking her dog Milo on long walks, and playing pickleball with friends.

Filed Under: Saving Tagged With: lower your utility bill, utility bill, utility bill discounts

The Ultimate Frugal Shopping List for People Who Always Forget The Essentials

April 22, 2025 By Teri Monroe Leave a Comment

frugal shopping list ideas
Image Source: Pexels

Today, it’s even harder to be frugal when grocery shopping, especially with inflation. According to the Economic Research Service, grocery prices have risen by more than 23% from 2020 to 2024. If you want to save on groceries, you have to be strategic. You’ll also need to go to the grocery store armed with a shopping list. Here we’ll discuss how to save on all the essentials, even if you always forget them.

Pantry Staples

The best way to save money on groceries is to start stocking up your pantry stash. Wait until essentials like rice, beans, and pasta go on sale. Then, you’ll save even more money by buying these items in bulk. You’ll continue to save money if you utilize your pantry when cooking meals. Many pantry staples add affordable bulk to meals that help you keep the overall cost per serving down.

Vegetables

For frugal shopping list ideas, pick up vegetables that don’t spoil quickly. You’ll definitely want to grab a bag of potatoes, onions, and carrots. Each of these has multiple uses and doesn’t cost a lot. You may want to consider canned or frozen vegetables as opposed to fresh.

Fruits

Buying fruit, especially cut fruit, can drive up the cost of your groceries. Instead, you’ll want to buy staples like bananas and apples. Usually, there is at least one variety of apples on sale per week. Additionally, canned fruits are usually the cheapest option.

Bread

Some breads go bad more quickly than others. Sometimes, cheap white bread like Wonder Bread is the best choice. If you prefer other varieties like sourdough, you may want to consider making your own to save the most money.

Dairy

With the average price of eggs high right now, substitutes may save you the most money. You can substitute applesauce or mashed bananas for eggs if you’re baking or silken tofu for savory dishes. Cheese can also be expensive if you purchase it from the deli counter. Instead, look for store brands or sale items.

Meats

To save the most money, you don’t need the best cuts of meat. Look for manager’s specials or things like country-style ribs, ground turkey, thin-cut steaks, or sausages. You usually can get a good deal on any of these items. With the right recipe, you won’t have to sacrifice taste either.

Paper Products

Toilet paper and paper towels can cost you a pretty penny if you buy an expensive brand. Instead, you may want to buy items on Amazon and utilize a subscribe & save deal or apply a coupon. You can find the best Amazon deals on Jungle Deals.

Frugal Shopping List Ideas

Don’t wait to purchase the essentials if you want to save money. If you truly want to be frugal and save on your groceries, you’ll have to look for the best deals and buy essentials during sales. Then, you can start to build recipes around these items.

Read More

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Teri Monroe Headshot
Teri Monroe

Teri Monroe started her career in communications working for local government and nonprofits. Today, she is a freelance finance and lifestyle writer and small business owner. In her spare time, she loves golfing with her husband, taking her dog Milo on long walks, and playing pickleball with friends.

Filed Under: Frugality Tagged With: frugal groceries, grocery budget, shopping list ideas

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