Frugal Living: 101 Money Saving Tips & Techniques


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None of these expert money-saving tips will singlehandedly change your life, but collectively, they will allow you to take control of your finances. These are a few questions that boggle our minds when we think about saving money. Most of us cling to saving money irrespective of our financial status, but we fail to understand how to begin. The hardest task is deciding how you want to save money, utilize your savings, and achieve your financial goals.

The most important step of this saving guide is keeping track of how much you spend on a daily or weekly basis and understanding the ins and outs of that. Write down every penny you spend, starting from how much you spend on your coffee, newspaper, etc. Now that you have a good record of your expenses, start organizing them with categories such as gas, groceries, outings etc. Once you categorize the data, you will have a fair idea of how much you spend on each thing and where you can cut down the cost. Now that you have the record of your expenses and an organized list, the next step is to make a workable budget that suits you.

Learning how to budget your money is critical in starting to save money. One of the most common ways to budget your money is create a table on paper or on the computer with columns of your income, expenses, and savings. This will help you to cut down on the over-spending and unwanted expenditures.

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Always keep track of your miscellaneous expenses, such as party expenses, candlelight dinners, taxis, entertainment, etc. These are generally classified as your discretionary expenses because they can be minimized as they are not essential to the operation. The savings category in your budget plan will determine how much you want to save every month.

Sometimes, the figures may vary. You can always try a week money saving challenge as well. Choosing something that is meaningful will keep you motivated. Once you have a goal in mind, you will have a fair idea of how much you need to save every month and how long it will take to achieve the goal. Sometimes it becomes hard to save the same amount every month. This will help you save money depending on your priorities and you will have clarity on your savings plan. It is very much important to set priorities in life. This will help you to plan better in every part of your life.


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When there is clarity on what is important on an immediate and urgent basis and what can be held on to for a long time, you will have focus. Setting priorities will have a great impact on the savings model you design. You can add a column in your savings manual as with low, medium, and high priority levels. Look for ways to utilize a bank savings plan that can yield a good interest rate in return.

Sign up for every free customer rewards program to get discounts and cash-back offers. There are a lot of ways to get hot deals that might add to your savings. Every small effort adds to a big amount when it is about money saving. You can create your own savings manual to chase your dream with minimal effort. This can help you to save money without any crunch on expenditures. As you go through this list, write down each tip that you think is feasible in your life.

If you want to learn more about how to save money in a certain part of your life, click on the link below to jump to that section. Do you drink coffee in the morning before work? Making your own coffee to bring with you can save you a ton of money throughout the year. We buy reusable K-cups from Amazon. Instead of grabbing fast food throughout the week, plan your meals out. After talking to your family about what meals they want, prepare your list.

Head to the store and only buy what is on your list. If you have not seen the trend yet, having a plan always helps you save money. Do you struggle to figure out what to make each week? Grab your local grocery store flyer and use it to plan out your meals. Find a place where you can plant some seed, have access to water, and keep it weed free. Growing produce yourself is much better for your health and your wallet, as well as the freshness of what you consume. You can even replant some produce seeds you already bought from the grocery store.

One of the simplest ways to save money is only go shopping when you have a list. Without a list, you are much more likely to make impulse decisions and unplanned purchases that all cost money. Creating a list is a great way to ensure you are only purchasing what you need. Junk food is fine to have within moderation, but letting it be a staple in your diet is never a good idea. The health and medical costs of being overweight far outweigh the costs of buying whole grains, vegetables, and lean proteins.

Whether cooking for your family or dining out at a restaurant, these are some simple solutions to saving money. The next time you cook a casserole, make a double batch. This will allow you to throw one in the freezer for later.

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When you make meals in advance, you can shop in bulk, which in most cases is an easy way to save money. For the sake of your financial future, work on cutting that back. Anytime someone else is preparing your food, you are going to be paying a premium.


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Get in the habit of having a restaurant budget and stick to it. On average, this is far less than normal, but we do not prioritize eating out so we save money here to use on something else, like vacations. Drinking the right amount of water has financial and health benefits. Just by drinking a glass or two before a meal, you will curb your appetite and avoid overeating. We both try to drink close to a gallon a day. This is definitely not needed, but you should aim for six to eight cups per day.

How to Save Money - NerdWallet

Try to ditch the expensive sodas, teas, and juices to really save money. Did you know that bottled water is more expensive than gas? Our parents were on to something when they told us from a young age to eat breakfast. Eating breakfast in the morning is a surefire way to stay full of energy and help you resist that expensive lunch.

We regularly have scrambled eggs or homemade breakfast burritos. Some other alternatives are oatmeal, fruit, and cereal. This goes right along with cooking in bulk. We try to never let food go to waste. To save money on a daily basis, eat leftovers from the night before.

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These containers are great for bringing food to work! Compared to vegetables and fruit, meat is very expensive. Consider the nutritional value when shopping for your produce. Another thing to consider is swapping out meat for lower cost, protein-packed alternatives such as beans, nuts, and eggs. This is a great practice for not wasting food, trying new meals, and never buying something you already have. Give it a shot this month and you will be surprised how easy it is to save money on your monthly grocery bill. A large freezer is worth its weight in gold after the initial purchase.

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Check Craigslist to see if anyone is selling one used. Buying in bulk and having a place to store your food go hand in hand. A large freezer will prevent you from having to throw out and waste your food. Get out your lunch tote the night before and fill it up. Not packing your own lunch means you will be forced to purchase a meal throughout the day. This can become very expensive! Another benefit of packing your own lunch is that you get to choose what you eat.

Try packing a well-rounded healthy meal each day. Gone are the days in which people carry around a pocket full of change. We often eat breakfast on the weekends for free by saving our change. Restaurants usually give you too much food. To save money, split a meal with your significant other or friend. You can also ask them to only bring out half and box up the other half. As millennials, we are notorious for going out every weekend and drinking.

Frugal Living: 101 Money Saving Tips & Techniques Frugal Living: 101 Money Saving Tips & Techniques
Frugal Living: 101 Money Saving Tips & Techniques Frugal Living: 101 Money Saving Tips & Techniques
Frugal Living: 101 Money Saving Tips & Techniques Frugal Living: 101 Money Saving Tips & Techniques
Frugal Living: 101 Money Saving Tips & Techniques Frugal Living: 101 Money Saving Tips & Techniques
Frugal Living: 101 Money Saving Tips & Techniques Frugal Living: 101 Money Saving Tips & Techniques
Frugal Living: 101 Money Saving Tips & Techniques Frugal Living: 101 Money Saving Tips & Techniques
Frugal Living: 101 Money Saving Tips & Techniques Frugal Living: 101 Money Saving Tips & Techniques

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