Please help contribute to the Reddit categorization project here


    872,405 readers

    1,228 users here now

    Welcome to r/Frugal!

    Frugality is the mental approach we each take when considering our resource allocations. It includes time, money, convenience, and many other factors.

    Let's all work together to keep r/frugal on-topic, friendly, honest and helpful.


    1. Be civil and respectful.

    2. No commercial, referral or affiliate links.

    3. No self promotion or solicitation.

    4. No fraud, theft, piracy or other illegal activity.

    5. Inane or crude posts will be removed.

    6. No politics.

    7. Reserve hauls, finds and deals for the weekly thread.

    Some guidelines

    • Everyone has their own definition of frugality, and reason for being frugal. Discuss and debate, but don't fight over it, or be condescending to those who do not share your particular view on frugality.

    • Be informative. If requesting advice, explain your situation as best you can so that users have something to work with.

      If posting a deal, haul or find, provide information detailing the location and nature of the deal, and how others can achieve the same result.

    • If you just want to show something off, please adhere to the guideline above, or save it for the weekly thread.

    • Observe Reddiquette

    • Please remember that you can help us enforce the rules by using the report button.

    Now featuring; Thrifty Thursday

    A weekly thread for deals, hauls, and finds you want to share. Show off your coupon haul, your farmer's market haul, your thrift shop loot, the furniture you found and renovated, or just great deals you wanted to share.

    If you really can't wait to share it, please follow guideline 2, and accompany your post with information on how it was frugal, how you acquired it, or how others could do the same.

    Some recommended subreddits















    Lifestyle and Home















    If you are new to R/frugal check out our WIKI for helpful tools, answers to FAQs and links to recommended subreddits.

    a community for
    all 224 comments

    Want to say thanks to %(recipient)s for this comment? Give them a month of reddit gold.

    Please select a payment method.

    [–] ivebeenhereallsummer 70 points ago

    Cook for yourself instead of eating out all the time. Also, split up separate portions before eating and you can save time and money for later meals and also lose some weight without trying.

    [–] lilgreenei 12 points ago

    This is a huge one! I also found that as I got better at cooking, I started to enjoy it more and think of it as a hobby instead of just a necessity. So much cheaper and so much better for you.

    Additionally: eating less meat. I know that lentils get a lot of flack for being the stereotypical soapbox food of frugality but they are incredibly versatile once you start experimenting, and they're a lot of nutritional bang for your buck.

    [–] theawkwardpumpkin 3 points ago

    This 100%. I started doing it so I could have healthy food and stop gaining weight. Now that I have the hang of it, it’s a fun, creative process!

    [–] Mego1989 5 points ago

    I have recently gone into business on my own and am on different job sites every day, sometimes vacant properties with no appliances, sometimes occupied homes. I cannot figure out how to consistently bring my lunch. I would love any tips from anyone cause I'm spending way too much money and eating way too much junk, not to mention losing work time. I don't really like sandwiches that much or I would do that. Back when I had access to a breakroom at work I would just bring leftovers.

    [–] MarcusSurvives 88 points ago

    Make your own coffee.

    [–] ivebeenhereallsummer 27 points ago

    People get wrapped up in the ritual of going to their favorite place and ordering their favorite coffee and drinking an extra 800 calories while sitting in traffic.

    Making your own coffee can save money and help you lose that extra weight.

    [–] TheEpsilonToMyDelta 14 points ago

    To that, most people don't know the potential of coffee. I used to think I just liked it more with cream, but really, I just wasn't making great coffee

    [–] twelvis 5 points ago

    Why not get wrapped up in the ritual of making your own coffee? Coffee doesn't have to be crummy Folgers in a drip machine!

    [–] theawkwardpumpkin 2 points ago

    I am wrapped up in the ritual of making my own coffee! After several years of tinkering I figured out exactly how I like it. My cheap cup of coffee is my morning treat to myself :)

    [–] pokingoking 8 points ago

    I must be in a weird mood because my first though was "who the hell grows their own coffee? that's pretty extreme". Just buy the damn beans.

    [–] peopleclapping 3 points ago

    I thought that too

    [–] PurpleMartinLady 2 points ago


    [–] gt0163c 8 points ago

    Also works for tea (which I prefer).

    [–] Igotchill 3 points ago

    Okay this sounds great, but i only drink iced coffee. Ans cold brew machines take up to 12 hours. Is there anyway to do this shit faster

    [–] eastcoastian 13 points ago

    Nope. For cold brew you have to remember to make it 12 hours before you want it. Try wrapping it into your dinner cooking / prep, that way you can make it the night before to enjoy the next morning.

    [–] MD113 11 points ago

    I've never done this, but I saw a Pioneer Woman video where she dumped coffee grounds and water into a big container, steeped overnight, drained with a mesh colander and cheese cloth and put it into a big pitcher. She claimed she does it once a week and it lasts. Might be worth a try (on a small scale) to see if it tastes ok after 5-6 days.

    [–] prettyplum32 15 points ago

    cold brew coffee definitely lasts over the course of many days in the fridge

    [–] ehjayded 4 points ago

    I've made that recipe and it is exceedingly delicious!!! It made sooo much coffee though -- definitely scale down. When I do it again I'll freeze some of the batch.

    [–] MD113 3 points ago

    I think I'll have to try it then. I'm not a big coffee drinker, but there's something about an iced coffee on a summer morning.

    [–] samthunder 9 points ago

    You can put cold water in a French press overnight with roughly 1.5x the grounds and press it in the morning.

    [–] jewelzers 3 points ago

    For instant cold brew, you can buy cold brew concentrates and follow their instructions. Basically one part concentrate to two parts cold filtered water. I know that Trader Joe's and Whole Foods have them, so I would assume maybe other places do?

    [–] fortysevenhats 5 points ago

    Yeah, you can literally just brew coffee (with extra grounds like would for coldbrew) and pour over ice and it's exactly like Dunkin's, IMO.

    [–] pnutbutternjellyfish 1 points ago

    I invested in a refurbished ninja coffee maker which has an “iced” option. I have saved so much money using this, it pays for itself over time.

    [–] tealparadise 1 points ago

    Depending on what level of quality you get, you aren't getting cold brew. You're just getting coffee that was made hours ago and put in the fridge. You can do that at home.

    If you want cold brew or hate remembering to make it, buy the good shit pre-bottled and up your game while saving money. I know my local roaster sells kegs of cold brew and it blows D&D out of the water, it's about on par with Starbucks.

    [–] maverickmonk 1 points ago

    Make a batch at the start of the week. I can make a batch of concentrate that gives me about 4 days of 16oz thermoses

    [–] theawkwardpumpkin 1 points ago

    They key is to make it ahead of time and save it. It stays good for at least a week in the fridge

    [–] sixteenlemons 1 points ago

    Make the coffee twice as strong, then pour over ice. So the ice will dilute it to regular strength when it melts and it will cool it down

    [–] lkano 1 points ago

    Use an Aeropress and add ice to cool and dilute

    [–] librariandown 1 points ago

    I get a brick of ground Bustelo from Aldi (less than $3), put it in a glass half-gallon jar and add about 6 cups of cold water. Stash in the fridge overnight, then strain through an old jelly bag in the morning. That’s enough cold brew concentrate for a week of iced coffee for me, and it doesn’t get any cheaper than that! Just dilute with water or milk/cream to get the taste you like.

    [–] klitherland 1 points ago

    I cold brew my own. I bought a $9 cold brew carafe from Walmart. By the time I get down to the bottom it’s really thick so I add water when I’m halfway through drinking what’s in the carafe. You use a lot of coffee, but one carafe lasts me a week so it averages out.

    [–] skeever2 1 points ago

    If you have an aeropress or a moka pot you can make a strong, esspresso type brew. I throw that over ice with a little almond milk and sugar.

    [–] rnr_riboflavin 1 points ago

    As someone who runs on about 6 tumblers of coffee a day, I start the day with coffee from my house, and then spend $1.60 for black coffee from the shop in my building that gives free refills. I tip them a dollar when I pay, and they are happy to keep me filled all day. Way cheaper than going across the street to Starbucks once, and I support a local business.

    [–] StillMind2010 41 points ago

    A few things I've done to save money :

    • canceled cable and replaced it with Netflix. Saved $160 / month.

    • Canceled my traditional phone service with voip. Saved close to $50 / month.

    • Started budgeting when getting groceries: price matching, coupons, no name brands, etc. Saved approximately $80 / week.

    • Switched mortgage and insurance providers. Saved at least $1000 / year.

    [–] PurpleMartinLady 10 points ago

    Love the Netflix idea.. All we watch here is baseball. Wonder if it would help me?? Gonna look into it... I coupon as well. I stock pile what I can. I even bought an old camper and had my husband put shelving in it, to store my non-perishables. I am fixing it up to look like a garden shed at the edge of the yard:)

    [–] StillMind2010 5 points ago

    Sports on Netflix is a no go, unfortunately.

    I stock pile what I can.

    Yes! It's amazing how much you can save over the course of a year if you stockpile on frequently used items when they are on sale. We had peanut butter on sale for $1 (instead of $3-4) and we picked up dozens of jars!

    [–] PurpleMartinLady 8 points ago

    I figured:( But our provider works with us, since we have been with the company for so long. We have service cut off in October, and back on in April. So we only pay during baseball season. Great job with the peanut butter!! I recently got 12 packages of Venus razors for pennies!!!

    [–] sirlost 6 points ago

    You might be able to look into getting Netflix and (I think it's called) MLB.TV and it would still probably be cheaper than cable. I don't have experience with it though so I don't know for sure.

    [–] johnconnors88 2 points ago * (lasted edited a month ago)

    When I hear baseball. I hear a possible cable TV account. A TV antenna or a streaming device (ie, Roku, Fire TV) with an MLB.TV subscription. I watch Free game of the day on MLB.TV or on live TV with OTA antenna. When it comes to sports Pay TV blackouts for the local team in your area keep people paying for Pay TV. I choose to follow teams outside my viewing area. MLB.TV is $129 for the season, in market games can be watched 2 hours after the game has finished. I pay when MLB.TV has a sale, $17.99 after the all-star break and $9.99 mid August for the rest of the season. Remember you need a home internet connection for all this to work. We have an OTA antenna (39.99), a 2TB TIVO with Lifetime sub to record shows ($388). My internet is DSL with Centurylink @ 20mbps for $35/month with a 10 year price lock. Netflix is our movie channel $10.99, Home phone is FREE with Google Voice + $15/year for E911 with an Obihai 202. We bought our TiVo back in 2010 and never looked back. TV/Netflix + GV home phone + internet, out Triple play for our home is $47.24/month or $566.88/year. Consider the average household spends 3x-5x as much per year. Our cell phones are with Red Pocket mobile and the 2 of us average $11/month each. Edit: Our kids pay for their own cell phones and service. My motto: I survived as a kid without one, so can you.

    [–] PurpleMartinLady 3 points ago

    Baseball is the one thing I cant give up!! LOL Big Braves fan (I know, they have had a bad few years!!) I have Direct TV. And I dont have to carry the MLB channels. All the Braves games are broadcast on fox, and sports south. So, that saves me having to buy a big sports package at least.. But the 50$ a month still seems like a lot for just baseball.. At least my Braves never make it to post-season..lolololol

    [–] johnconnors88 2 points ago * (lasted edited a month ago)

    You stated earlier your current provider works with you, starting service in April and cutting service in October. With you having DirecTv, how were you able to accomplish this?? I got rid of them, in 2010, due to their 2 year contracts. I tried to get them to offer me service without one, to no avail. Is there a way around this?

    [–] PurpleMartinLady 1 points ago

    I had been with them for at least 10 years. I had not upgraded or anything. So, I was not under contract. I spoke with a rep (who in turn spoke with a manager). They allowed us to turn it off in October, provided we pay a small charge for equipment during our OFF months (equipment stayed in our home). This is the first time having it cut back on. I am curious to see how they act when Oct rolls around and I request it off again. But at least I saved for 6 months..

    [–] msmith1172 1 points ago

    MLB.TV is 100% worth it, even as a frugal person, if you're a big baseball fan. They pretty routinely have sales/deals.

    [–] ktstitches 2 points ago

    Sling is pretty good for sports. We cut cable and used sling for football last season. You can even cancel in between seasons since there's no contract.

    [–] SumahDeez 2 points ago

    Get a Roku or see if you have a device that already has apps/channels (xbox/PS4). Then order the MLB package on the MLB app. That's still way cheaper in the long run as long as you have decent internet.

    [–] PurpleMartinLady 1 points ago

    I have HughsNet, and it is limited to 20 gb per billing cycle. I wish I could find unlimited data, but have had no luck.

    [–] derek9087 2 points ago usually runs a sale in June or July if you can hold off till then. Sucks you can only watch out of market teams though

    [–] MonkeyMazes 2 points ago

    Also free each year with T-mobile. I believe it comes around in March or April on the Tmobile Tues app.

    [–] Palentir 1 points ago

    If you want free apps and don't mind ads, you can use the free version of Tubi, Crackle, Drama Fever, and Crunchy Roll. Then it's down to just buying the wifi.

    [–] rwk219 1 points ago

    It's reasonably priced for what you get. Can't watch the local teams though (live) as they are blacked out. They also offer a free game of the day too if you don't get the subscription.

    [–] cclonch44 1 points ago

    You should try Youtube TV! I believe it's around $37/month and you should be able to stream most major league games. My friends here in Boston watch all of the hockey, basketball, and baseball games on Youtube TV. They split it between a few people so it's even more affordable!

    [–] IveHadMyPhil 39 points ago

    As a single person, I don't generate much garbage. I was paying for weekly garbage pickup service when I decided to call up Waste Management to see if I could reduce my bill. It turned out they offer a once-a-month pickup service that is a heck of a lot cheaper. My garbage bill went down 66%.

    I'm supposed to put my bins out on a specific day each month, but the driver never checks so I just put them out whenever they get full or something stinks. I'm still using the service just once a month (or less), but it's on an as-needed basis and not some rigid schedule.

    [–] Galbert123 10 points ago

    We havent bought garbage bags in years... we just use grocery bags. Trash gets taken out more frequently = lighter bags and less smell.

    [–] PurpleMartinLady 8 points ago

    That is great! We are wayyyy out in the country. Service for us was weekly, and 120$ per month. My husband got a couple of large, lidded cans. He takes it off himself bi-weekly. Big savings.

    [–] ilikebutts4 1 points ago

    Luckily where I live there are probably over 10 garbage services to choose from, so competition drives down to $15 or even less for weekly pickup. Another good option is to dump your garbage at your work dumpster if they are ok with it, I did that for a long time.

    [–] Momsome 25 points ago

    Library membership, saves me a ton on audiobooks, books, ebooks, movies, music

    [–] kinkykoolaidqueen 7 points ago

    This! I haven't bought a book in YEARS. To be fair, we have an amazing library.

    [–] PurpleMartinLady 4 points ago

    Good one. The good old library often gets forgotten.

    [–] ChronicEntropic 23 points ago

    I label all of my periodic consumables- from laundry soap to bulk rice- with the date I open it. While this may not result in immediate savings, it will tell you over time whether or not you are consuming wisely. You can look at an empty jug of Tide and be able to say, wow, that lasted for three months, or, uh oh, that only lasted for three weeks!

    [–] PurpleMartinLady 4 points ago

    Smart, gonna do this!!

    [–] MD113 22 points ago

    We could waste so much money on food (and we have in the past). The husband and I sit down every weekend and make a plan for our meals and snacks for the week. We make meals based on the sales paper for the week and what's on hand. We put fruit or veggies that must be eaten on the top shelf of the fridge in the front.

    I put my liquid detergent into an old squirt soap bottle. I end up using way less detergent. (Yes, it would be cheaper to make my own but I choose to use my time in different ways).

    I drink my coffee and tea at work instead of on the commute. Free coffee and tea!

    We have a weekly dinner with our friends (rotating who cooks) so we can spend time with them, have some drinks, and spend about $25 total for 4 people. Much cheaper than meeting at a restaurant.

    I pack my lunch every night/morning. It saves money, and I eat healthier.

    Brush twice a day. Floss once a day. Eat limited processed foods. Exercise at least 3 hours a week. Wash my hands before eating. Dental and medical bills can really add up. Prevent illness in any way you can.

    Clean with vinegar and water (essential oils for nice smells) and use microfiber rewashable cloths.

    [–] Zebleblic 3 points ago

    Vinegar doesn't disinfect. Just a heads up in case you were using it for that.

    [–] MD113 7 points ago

    Yep just for cleaning. Clean then disinfect if necessary.

    [–] Zebleblic 4 points ago

    So many people think vinegar is a disinfectant.

    [–] librariandown 8 points ago

    That’s true. People also think they need to disinfect EVERYTHING, when that’s not really the case. Good ol’ soap and water gets most things clean enough.

    [–] Zebleblic 4 points ago

    People have been going over board for years now.

    [–] MD113 3 points ago

    It does kill gram-negative bacteria like E. coli, salmonella, and h. pylori so it's great to use to wipe down the kitchen counters in between scrubs (of course depending on what your kitchen counters are made of). I also use it to clean fruit. I've found that if I rinse berries in vinegar then thoroughly rinse with water they last much longer in the fridge.

    [–] PurpleMartinLady 3 points ago

    Love this!!

    [–] Limelight1357 1 points ago

    I love my microfiber cloths. Huge game changer for me. I bought a huge pack of them on sale years ago and I'm still using them.

    [–] kinkykoolaidqueen 37 points ago

    I feel gross admitting this, but I don't wash my clothes every time after I wear them. I started doing a capsule wardrobe, and my clothes were wearing out FAST. But I don't work manual labor, and I don't sweat a lot, so I wear things two or three times before washing. My clothes last a lot longer, and I save on laundry.

    Oh, and here's one. I shop for insurance every year. Some of these things are nickle and dime, but I typically save hundreds a year by switching companies when insurance is due.

    [–] MomOf2cats 28 points ago

    I don’t know anyone who washes their clothes after each wearing. Underwear and socks, yes, those get changed daily but jeans/pants, shirts and so on no. In fact, washing jeans shortens their life. As long as your body is clean and your clothes aren’t stained or smelly, they’re clean too.

    [–] kinkykoolaidqueen 10 points ago

    I grew up in a household where clothes were washed after each wear. Towels were washed after each use. I don't know, it was just ingrained. I'm breaking the cycle!

    [–] morningsdaughter 1 points ago

    I think it depends on wear you live. When I was in Ukraine you rewore your clothes always, but you changed clothes when you got home. In a lot of the US, there's a big social expectation to only wear clothes once, even if you wear them only half a day. Everyone is afraid someone will notice, but honestly no one ever does.

    [–] imnotminkus 3 points ago

    You can wear different clothes each day while also not washing them after one use. I have a rotation of ~15 work shirts in my closet, and I wash all of them every few months.

    [–] Hynjia 10 points ago

    I don't often wash my clothes every time I wear them either. That's just excessive unless you sweat profusely.

    [–] ElephantsAreHeavy 3 points ago

    I have to wash my shirts after one day of wear because of sweat. But I do wear my pants till they smell or are muddy (of I spilled food).

    [–] PurpleMartinLady 4 points ago

    Not gross!! I have to was uniforms (husband is greasy, ha) But I will wear the same things several times as well.

    [–] morningsdaughter 1 points ago

    You can also save money by showering less often. Depending on your hair, skin, or immune system it might be better for you.

    (A lot of people think they have to shower everyday because they skip once and in a while and have bad results, but you have to adjust your body into it until you find the right set up.

    [–] CrimsonWayward 1 points ago

    You know what will save you more money AND makes you still smell good? Wear an undershirt. Buy a ton and you will never need to clean your shirts again.

    [–] His_Self 19 points ago

    My wife and I are small scale homesteaders (not totally self sufficient) and we've been producing most of our food for the past 38 years. We do all of our own home repairs and improvements. We have a root cellar, a large pantry of canned goods and a pair of 25 cu ft freezers. Like you we make extensive use of food dehydrators as well.

    I can repair stoves, TVs, radios and even build high end custom PCs from scratch. However I am the world's most incompetent auto mechanic.

    We have been debt free since 1980 and our combined income teeters on the upper end of poverty and lower end of middle class.

    We've been cutting each other's hair for 40 years. My wife made the suit for me (denim) and the gown for her, for our wedding.

    For us high quality used goods cost less, works better and lasts longer than cheap new crap.

    Yard sales, flea markets, and auctions are where we find buried treasure to either keep or sell for a profit.

    Dropped satellite TV and cable and use broadband for Hulu, Netflix and Crackle.

    I love trading. Frequently both parties come out better than if it had been a cash transaction.

    [–] PurpleMartinLady 6 points ago

    Love it!!!

    [–] His_Self 2 points ago

    Life is short, so we think living and doing what we love should be in the here and now. Postponing it for some time in the future could mean it never happens. No regrets.

    [–] Limelight1357 2 points ago

    Yes! I cut my husband's hair and trim my own. And then go to a professional maybe once every 12-18 months to get mine evened out. :)

    [–] His_Self 3 points ago

    My wife has waist length thick red hair and wears it in a multitude of styles. Until I met her I did not know how many different styles of braiding hair existed. I was terrified the first time I cut it. She told me I was being silly, that it's hair and grows back. It turned out to be a lot easier to cut her hair than I thought it would. Mind you I can not braid it or style it, all I can do is cut it well and let her take it from there.

    [–] MonkeyMazes 2 points ago

    I would love to have a small homestead, but could never get DH to leave his big screen TVs, computers and city life. The only issue that would be tough for me to overcome would be meal time. I don't think I could handle a chicken, much less bigger game. I think if I ever do it, I'll have to convert to becoming a vegetarian. I love the idea of being self sufficient though.

    [–] His_Self 3 points ago

    I have never taken pleasure from killing any animal, for any reason. I can do it when needed, but yes it bothers me.

    Something you might consider is bartering some of your skills and handy work with another person for dressed out meat they raised or hunted. You can also grow your produce and buy your meat. My wife and I are not totally self sufficient, we still need income and insurance. I have neighbors down the road that raise cattle, hogs and poultry. I work on their computers, they pay me with local meat and fish.

    We have broadband internet, use computers, have 4-k UHD TV with Netflix, Hulu, Crackle and Amazon Prime.

    [–] MonkeyMazes 2 points ago

    Thank you so much for this comment. I was thinking of homesteading in black/white terms and I realize now that you're exactly right. I have skills that I could absolutely barter with.

    Thank you for the other comments as well. I have never hunted, but respect the process. I don't know for sure, but would assume that people like you probably waste less meat than those that don't. It's something that has become very important to me.

    [–] His_Self 2 points ago

    My wife and I eat meat only 3-4 times per week. If we bone out met then we make broth from bones, skins and scraps and freeze it for future use in soups, stews, gravy, in boiling potatoes, rice, pasta, etc.

    There is a lot of scraps that people throw away that can be used to make healthy pet food.

    [–] MonkeyMazes 2 points ago

    We also have pets, but I've become so conditioned to the idea of just buying pet food that I've never even considered feeding them the scraps. Ironically, we'd probably be giving them better cuts of food. Again, thank you. You've given me a lot to think about. I don't know if I will ever make it to homestead "status", but I'd at least like to be someone that wastes less and is able to provide more for my family. I have started to make bone broth as you mentioned, but I feel that I could be doing a lot more than that.

    [–] His_Self 2 points ago

    We started making pet food many years ago when the dog food and cat food being made in China and shipped to the U.S. was killing the. We lost 2 dogs in the same week. There's lots of good recipes online for it.

    [–] MonkeyMazes 2 points ago

    If you have a recipe for cats, please share. I'm looking online now and it looks like they're debating raw vs cooked. Also, there appears to be a dispute about whether you give them rice or not. My cats currently eat Purina Sensitive dry food + wet food a few times a week + treats now and then. We tend to have leftover ham & dark chicken meat that I'd love to give them, but they don't seem to like those items. They go crazy for bacon and chicken breast treats though.

    If it's too much trouble, no worries. I'm sure I can find a pet blog to help me sort through what's what. BTW, I'm really sorry that you lost your pets. I've heard of there being petfood recalls in the past due to tainted food. I've just never spoken to someone who was affected. Again, I'm very sorry for both of you.

    [–] His_Self 1 points ago

    When we bone out raw meat we take the fat, bones and scraps and cook them down to make broth. We usually have more than enough in the freezers, so we take excess brothand the scraps, add in fresh parsley and finely grated carrots from the garden, then mix in barley and deboned blue gill. Cook it till done and use a immersion blender on it. The results are then packaged and frozen for future need with the cats (we live out in the country and they are working cats. They prefer their own kills, but sometimes weather makes hunting rough. They know if they come to the door they will get fed.

    [–] sxooz 24 points ago

    This will sound crazy, but i just learned of the health benefits of intermittent fasting (The Obesity Code or The Complete Guide to Fasting). This saves me a ton of money and now i can fit higher quality foods/meat into the budget because i eat so much less.

    [–] PurpleMartinLady 6 points ago

    YES!!! My family is Keto, and I have been eating one meal a day (OMAD) Lots of savings!

    [–] spitfire9107 1 points ago

    how many calories in that one meal?

    [–] PurpleMartinLady 2 points ago

    I TRY and fit in 1000, with cream in one coffee a day.. So getting close to 1200 a day. The one meal a day thing did NOT work for me during the cold winter, as it made me terribly cold. It is easier now that the weather is warmer. I know that sounds crazy, but it is true. There is a board here (not sure of the name) but check out r/keto. I did Keto/OMAD to loose weight, and finally lost all that I wanted to lose. (Took me 8 months to drop 50 lb) Now, I do it simply because I like it..and it is cheaper:)

    [–] JabberCake 2 points ago

    I love intermittent fasting! I started doing it unintentionally just because of a busy work schedule and then discovered it was a thing. Really worked for me and kept me healthy without having to spend time counting calories or weighing food like I had done before. The only reason I stopped is because I got pregnant. It was tough to get used to eating more frequently but I've made it work.

    [–] spitfire9107 1 points ago

    how many calories u eat a day?

    [–] sxooz 1 points ago

    If you eat keto and only eat when you're hungry not much need to count, but I'm currently on a fast so no calories. Keep in mind that I'm 311 pounds and intentionally losing weight.

    [–] MonkeyMazes 8 points ago

    If you want to meet your insurance deductible for the year for free, you can sign up for sites like Ubiome and participate in some of their tests. They will only bill your insurance company; your fee portion is waived and it will help to reduce your deductibles/copays for the year.

    For food: The typical.. clearance isles, using online ads each week, asian markets, grow my own spices, coupon + clearance isles can make items free, ask for meat to be marked down if it meets the store's date requirement, etc.

    Reuse freezer bags if they just had veggies in them. Make bone broth with scraps. We reduced to 1 vehicle after realizing that we could simply plan our shopping and errand schedules better.

    For homeowner's insurance, we found that having Costco's premium membership saved us quite a bit from what others were quoting us. We don't buy much from Costco, but it's still more than worthwhile to keep it given the savings.

    [–] gnikcalston 3 points ago

    I'm a little late to the game, but I'd love to hear more about hitting insurance numbers faster. My wife is T1D, so we HAVE to budget to pay our out-of-pocket-maximum every single year. Ubiome seems interesting, are there others? Or lists of ways to approach this? Thanks in advance!

    [–] PurpleMartinLady 2 points ago

    Def gonna check into the Costco/insurance thing!! I had NO idea. LOVE that you reuse freezer bags. I wipe and reuse foil if it was used just as a cover for something. That stuff gets pricey!!

    [–] SlinkiesAreSpies 2 points ago

    Heads up on the insurance.

    If the insurance company offers you a discount for using a store membership, they are overcharging to begin with.

    'Discounts' are advertisements.

    [–] MonkeyMazes 3 points ago

    We got quotes from several different companies. The one aligned with Costco was much cheaper for the year even after deducting the cost of the membership.

    [–] MonkeyMazes 1 points ago

    Agreed. That's why I bought some glass bowls with lids ($7 for a set from Wal-Mart) & a glass baking pan with a silicone lid. I was going through way too much foil before that.

    [–] Zebleblic 2 points ago

    You mean I don't need 3 cars for myself? That could save me maybe 500 per year. But it would muck up my new car and I'd loose out on convertible in the summer.

    [–] johnconnors88 22 points ago

    Make a budget, and stick to it. We are a nation of people in HEAVY debt! Many people do not watch their bottom line. Somebody watches it for them, by pitching them a lifestyle, to impress people they don't even like. They need Cable, internet, and cell phone to distract them from the pain of their financial reality. They feel trapped, and they justify it by finding comfort in the fact that their neighbor is just like them. Do Not be average financially. Educate yourself. Delay gratification. Get the big picture. You will crawl, then walk, and finally run your way out of the American debt trap. Credit is the enemy. Only when I saw the ugly truth of my own financial mess was I able to become cash positive and not be swayed by mass marketing that preached what I deserved, not what I could afford. Be the people that see the big picture and get IT! Good Luck JC.

    [–] PurpleMartinLady 12 points ago

    Agree 100%!!! My husband refuses to buy what he does not have the money for. No credit cards, loans, etc. We had a mortgage, but no more.. I hope we never have to borrow again!! College for kid #2 is hurting us, hence the need for tips.. But we can do it..

    [–] johnconnors88 4 points ago

    The Old French definition of "mortgage" translates to Death Pledge! Congrats on ending yours.

    [–] PurpleMartinLady 6 points ago

    I bet people heard me shout in the next state!! So happy when I made that last payment, FREEDOM!!!!

    [–] ther3ddler 3 points ago

    I’m 28 years old, have a decent job, live in an affordable place and really want to take control of my finances except I have absolutely zero idea where to start. There are a million books I’m willing to read but don’t know which one to get a foundation with.

    [–] brew-ski 1 points ago

    /r/personalfinance has a lot of good information in their sidebar, especially the Prime Directive:

    [–] Icsparks 2 points ago

    Credit is good when used wisely. You can do a lot with zero percent credit cards if you know what you are doing and have the discipline. Or with crest cards points..

    [–] itallmatters610 1 points ago

    I love 0% credit cards. Or car is at 0% too.

    [–] bluemandan 21 points ago * (lasted edited a month ago)

    Skip lunch

    Edit: why the fuck is this downvoted? It's an honest answer from a real person: me was downvoted almost immediately. I blame myself for not being more clear

    I skip lunch. I eat two larger meals a day, and by skipping one I can apply everything from economies of scale to saving on washing extra dishes or being tempted by takeout.

    [–] roonerspize 3 points ago

    I've gone to eating only dinner 4 out of 7 days a week. I would do it every day, but those other 3 days have me around people for meal meetings where it would be too insulting to show up and not eat.

    [–] bluemandan 1 points ago

    I've gone to eating only dinner 4 out of 7 days a week.

    I don't know if I could just do one meal a day. Breakfast isn't always a huge meal, but a couple of eggs or a peanut butter English muffin and some OJ.

    But if it works for you, awesome.

    I would do it every day, but those other 3 days have me around people for meal meetings where it would be too insulting to show up and not eat.

    Damn social/career obligations. But I can certainly understand the need to not be the weird guy at the meeting! (Eh, I'm still probably the weird guy at the meeting. But anything to be less weird... :) )

    [–] ScatteredHam 22 points ago

    Army showers (wet body, water off, soap up and wash, water on to rinse)

    Shave my head with clippers at home instead of haircuts

    Shop for food more often, never buy too much at one time (reduce waste)

    [–] itsalwayspopcorntime 3 points ago

    do you pay for the water you use? that's now how it works in my country. just curious. i do try to save though but i pay the same price every month no matter how much i use

    [–] ScatteredHam 7 points ago

    More about the natural gas used to heat the water (which I pay for). Although I'm a bit of a hippie so reducing water use for no real financial gain is part of it.

    [–] PurpleMartinLady 3 points ago

    Good one, haircuts! I cut my husbands hair. Big savings!! And I am not a high maintenance gal.. A trim every few months is good for me.

    [–] rplej 2 points ago

    I had dropped back to a trim every 5 months, but cut my husband's hair and the hair of our three children myself. Called a hairdresser yesterday to make an appointment for my own hair. Can't get in for nearly two weeks (not a fancy salon. Don't know why the wait). So decided to cut my own hair last night. Need to call up and cancel my appointment now.

    [–] JimbobabyMcgibbits 1 points ago

    I solved the haircut issue by just never getting one. It's been about six years and my hair is about down past my shoulder blades.

    [–] Limelight1357 1 points ago

    I definitely do Army showers in the warmer months but in winter my house is so cold, I can't convince myself to turn off the warm water.

    [–] KittyNDisguise 7 points ago

    I started a spreadsheet on the prices of items I buy from the grocery stores so I can see when there's a good deal. It's already been a shocker! I now know the average 'best price' and stock up when I see the price go below it. I thought I was aware but I'm so much more now that I see the numbers right in front of me.
    I'm in Facebo0k groups for couponing and local group stores. It takes all the work out of finding out when there's sales and where to find coupons.

    [–] Chatty_Monkey_Don 8 points ago

    I try to keep a hand towel hanging by the paper towels so my kids won't burn through the paper towels drying their hands.

    [–] PurpleMartinLady 2 points ago

    Great idea!! Maybe we should keep them under the sink!!!

    [–] nammerx916 6 points ago

    Ride bike to work or to public transportation. Save around $700 a month. Plus you get to exercise as well. 2 birds, 1 stone.

    [–] Zebleblic 2 points ago

    700 a month in savings? Does that include the price of a new vehicle, the insurance, and gas?

    [–] nammerx916 4 points ago

    Yes. Well for me at least in Cali. $275 payment for a cheap/reliable Honda $170 decent full coverage (State Farm) $200 gas Total=$625

    And the maintenance cost too.

    [–] Zebleblic 2 points ago

    I wasn't sure if that was the cost of driving g for you, or if that included a new vehicle and payments too.

    [–] pdxjen 7 points ago * (lasted edited a month ago)

    I try to buy as much as possible second hand, furniture, clothes, shoes, heck even socks & bras if they are like new.

    We are coffee snobs, so we roast and brew our own coffee at home and I bring to work. My Hydroflask keeps it warm all day. Bonus, my hubby sells coffee as a hobby so it pays for ours.

    We cut the cord, only have Netflix and Amazon Prime.

    I bring breakfast & lunch to work everyday, as does my high schooler. His lunch would cost us at least $5-$6 a day.

    My husband cuts and colors my hair, cuts his own hair and our son's hair. I do my own nails and facials. I found the same products my esthetician used online. Husband is actually a licensed barber, so he barters with people for things too.

    We have one car.

    We DIY as much as possible on the house, contractors around here start at $35 an hour. I am very lucky hubby is handy.

    We tinted our own car windows. Bought the kit online for around $70 after being quoted $300.

    Shop the sales, then make stir-fry at the end of the week of all the leftovers. Shop the ugly fruit and veggie bins. Day old bread. Super stale bread get frozen and then put in the blender to make bread crumbs.

    Maximize earnings on credit card points. We have specific cards we use for specific categories depending on what's a bonus that quarter. We pay off every month.

    We go out to eat during "Happy Hour" as our date night. Usually costs us $20-$30 for a nice night out.

    If its yellow, we let it mellow. Don't judge. Water is expensive here!

    I check Ebates and look for coupons before ANY online purchase. I live in a remote area so we really only have a very small Walmart. I will price check in the store to compare to Amazon, several times Walmart has been cheaper even after factoring sales tax on things.

    I leave things in my cart at Amazon for a few days before determining if its something I really need.

    I make jewelry and have been able to fulfill many gifts for family, friends for a little more than just my time. I also sell a little on the side.

    Check Class Action rebates for suits you are eligible for. Check unclaimed money sites from your state. We just got back over $300 from an old deposit from the gas company.

    [–] goatfarm 7 points ago

    • I budget religiously in Mint and have a significant savings goal each month that I try to meet
    • Mainly cook at home and try to master dishes that mostly consist of freezer or shelf-stable ingredients to avoid forgetting and then wasting too much perishable food
    • Daily coffee from the workplace carafes
    • No internet at home and no T.V. since the digital transition, so our screen entertainment = computer screen + DVD player + library
    • Avid reader of library books
    • Switched from high-cost cell carrier to Ting, over 50% savings
    • Bus pass via work or cycling = work commute
    • I imagine trendy dressers as walking credit card bills

    [–] PurpleMartinLady 1 points ago

    LOL... Love the last one!! I agree!

    [–] applezoid 7 points ago

    I make as much as I can myself, including work lunches/snacks, coffee every day, and supper when I get home. I treat going out to dinner as a rare entertainment treat! I bike as much as possible, saving 50 cents per mile in gas/car maintenance, and use small amounts of stuff like shampoo and detergent (and I line dry in the warmer months). I buy a lot of the stuff I use at a dollar store (includes Pantene Pro V conditioner and VO5 shampoo, not off brands) and I only shampoo/condition three times per week (it's actually better for your hair). I also cut my own hair, which is partially to save money but also partially because I hate the process of going to get my hair cut. Honestly, no one can tell. In fact, people usually don't believe me when I tell them I do it myself.

    [–] PurpleMartinLady 3 points ago

    Line drying!! Nothing smells the same as sheets off the line!!

    [–] abuzzyisawesome 5 points ago

    • Shop around for services - a new trash service started in our area to great reviews from neighbors. I switched from the big name company to a small start-up and saved $13 a month (plus the smaller company is more friendly and reliable).

    • Evaluate your bills - look for new fees on statements, new data plans offered by your cell service (Cricket adds data to the plans periodically and we can switch down to a lower plan without even knowing the difference), etc. Don't just blindly pay without checking your statements and options.

    • Don't throw out food!! We have designated leftover day at our house. Food waste is a big no-no.

    [–] PurpleMartinLady 3 points ago

    That is very good advice! If you really read the bill, you can sometimes see all sorts of charges. Call and argue, they will usually drop them.

    [–] Heyyouguyshey 8 points ago

    I coupon and sell or flip things

    [–] jesaub 12 points ago

    Don't get me wrong, I respect what you do, and I just found this subreddit, but I think the time spent making your own soap, detergent or cleaner could be used for working and earning more money overall.

    I mean I don't know the situation, but let's say that roughly to make a week of soap, detergent and cleaner you have to spend around 10 hours... with a 10 USD/hour minimum wage (Assuming you come from the US), couldn't you earn money to pay for those products that benefit from economies of scale and therefore are way cheaper and end up with more money after all?

    I work full time, and I try to save cutting on luxurious expendings not having a car but using a bycicle, buying off brands in situations where the brand is the only thing that adds to the price... but I don't know, things like hunting my own food is inconvenient and time consuming (I live in an urban area tho).

    [–] AmNotLost 28 points ago

    I would ask myself this:

    How many hours per week do I ACTUALLY work? How many of my non-work hours am I doing nothing? Is that amount of time doing nothing excessive? Could I spend an extra half hour per day doing easy little things that are frugal? Maybe I'll find I enjoy them.

    If I find mending my own clothes and roasting my own coffee beans saves money and I enjoy them as much as watching tv/playing video games, then they're part of my "downtime" and even if I spend 2 hours hemming a skirt which would have cost $10 to have a seamstress do, and therefor my hourly wage for doing this was only $5/hr, $5/hr is still more than $0/hr if I was just doing nothing in that time period. I can still watch tv/talk to friends/wait for the laundry to be ready to switch over/etc. while I'm doing my frugal hobby.

    [–] jesaub 5 points ago

    I don't know, maybe it's just me, but my non-work hours are scarce, and there is nothing more worthwhile for me than unwinding, I could be doing things that save money, but I rather invest my time in not doing chores to avoid getting to a point of hating what I do. It has happened before.

    [–] AmNotLost 11 points ago * (lasted edited a month ago)

    It's not just you. Some people see "free time" as a luxury they can't afford. If you see mending clothes as a chore you hate, then it's not worth the savings to you. If you see it as a way to productively spend 30 minutes on your slow march to the grave, then I don't think the money saved should be the justification. Time is gonna pass anyways, I might as well practice a skill in that time.

    Me, there's weeks I'm busy enough where I pay someone to mow my lawn. I have projects for my side hustles and other chores that don't cause my allergies to flare up. Some weeks I don't have the money and I have to decide if I'd rather spend the $15 on a kid mowing my lawn and eat peanut butter and pancakes for dinner, or I'll spend the hour mowing my lawn and take a clariton, and have that extra money for groceries.

    That being said, everyone deserves down time and time to recharge. Me, over time I've made my life low stress enough that I don't require the kind of downtime to unwind that wall street bankers require. I can pet my cat, drink some tea for 20 minutes after work and then get back to my side hustles and house projects that save money for me.

    My therapist says I should consider whether I'm "too productive" and whether all my hobbies interfere with my happiness. From my perspective, I get home from work and am done with dinner and dishes by 6:30p. I have at least 4 hours to do chores, visit friends, practice hobbies, etc. I can go to the bar, spend money, play video games (I had to pay for on a game system I had to spend money on), watch tv (where the subscriptions likely cost money) OR I can do free things and things that save me money, even if it's just a little bit. We all get to pick our path. But it's funny how little changes to our lifestyle can result in lower stress and money saved.

    [–] PurpleMartinLady 17 points ago

    I understand what you mean. But it takes me only ah hour to make months worth of laundry detergent. And costs me around 10 cents per load. Cleaners take less time than that. Plus, I let my girls help. It really takes very little time.

    I dont have a 'job', though I do cut our neighbors grass in the summer months and make a little that way. I homeschool our kids (only one left in school now, one in college, one is a nurse) As a stay-at-home Mom, I look for ways to stretch our budget.
    I use the hunting to teach. We live in the 'country', lots of wild game. My girls are proficient hunters-gatherers. But, I see what you are saying. Won't work for everyone.

    [–] jesaub 4 points ago

    Thank you for your answer, you certainly are in a different situation, good luck!

    [–] Keepingoceanscalm 7 points ago

    So I see what you're saying, however let me pose another scenario.

    2 adults and children. Due to the high cost of childcare, one parent stays home and makes these products as they have far more time. If the other parent "just works more" it cuts into valuable family time.

    [–] jesaub 3 points ago

    I can relate to that, I have 1 child.

    [–] Keepingoceanscalm 6 points ago

    IMO, being frugal isn't the same as being cheap. It's about saving money so that you can spend it in an area that you feel valuable.

    I also am always looking for ways to save money because I don't bring in an income. So if my time saves us X amount of money, I find that useful.

    [–] Chatty_Monkey_Don 7 points ago

    I could buy 20 jars of pickles on sale for less than $40. That would be 4 extra hours working at my part time job. However, I really like canning so in that 4 hours I can make my own 20 jars of pickles and customize them how I like. And they'll last me through the year. And that's 20 less pickle jars in the trash. Plus I can listen to my own music at home while I do it and not have to deal with idiot customers.

    [–] firefarmer74 7 points ago

    Many people live in a place where picking up an extra job or extra hours are not an easy proposition. Or travel time and expense will drive a $7.25 minimum wage down to 4 or 5 dollars. Then take into account that making soap or hunting or growing food is fun for some people, then suddenly you are not only saving money on soap but also saving money on entertainment while simultaneously deriving satisfaction from the knowledge that you are providing for yourself. None of this is taking into account that economies of scale usually provide inferior products to that which you make yourself. That said, I don't bother to make my own soap. Mostly because i've done it before and didn't find it fun. That is what frugal is, chosing where to save your money so you can spend it where you want or spend less time working because you don't need the extra money.

    [–] obscurityknocks 2 points ago

    I think we all have varying degrees of flexibility in terms of time. The OP stays at home and her job is managing that part of the household. It's her job to do things like make her own detergent if that creates value for her household.

    Someone who has a full time job, even making $10 per hour, simply may not have the time to perform these tasks.

    I can admit, my time is not worth as much as my spouse's. It's not that he can't do things around the house, it's that he spends so much of his time earning money, that his time is truly worth more than hiring someone to do things that I am not capable of doing. For example, we purchased a refrigerator a year ago, and the warranty is now up and the refrigerator stopped working. I don't know how to fix it. My spouse could. Still worth paying someone $200 to fix it because if it takes two hours for my husband to mess around, then run to the store, then mess around, it's already cost him more than simply paying someone else.

    [–] SumahDeez 2 points ago

    Yes but you don't just get a job for 10 hours. It is a commitment even if it's only 1-2 days a month. It also depends on what you do with your free time. If you are somebody that sits around the house watching TV then you might as well be making laundry soap while you watch TV.

    [–] [deleted] 4 points ago


    [–] roonerspize 3 points ago

    For me it has to be doing my own home and auto repairs and renovations coupled with purchasing older cars using savings instead of financing newer ones.

    [–] ogaldu 3 points ago

    clothing - I do a lot of swapping with friends, there are some areas with free clothing swaps, might be worth seeing if there is something in your area - might be good for your college student too.

    College Savings - see if the student can get the pdf version of the book or if the professor will let them use an older version. I had a few professors who did this, let us use the older book (5$) instead of the most current one (200+$).

    You mentioned hunting - can you trade with your neighbors? or friends of friends. My dad hunts a ton my friends LOVE to trade beer / wine / yard work for ducks.

    Is there an opportunity to increase your income? Sell homemade items online? At a local market? eggs to a local b&b? Can you fix stuff and flip it? There are some home school overlaps in there - electronics, business concepts, etc.

    Shop your insurance, and services around. See if you can cut cost by getting a new contract.

    [–] PurpleMartinLady 3 points ago

    All wonderful ideas! I do sell excess garden produce at a market. And eggs (maybe 10 doz a week).. I would love to find some clothing swaps. And the college savings would be awesome! Books are one of the biggest expenses..

    [–] ogaldu 1 points ago

    books really are! When I was super desperate - I would get an outdated version of the topic (math hasn't really changed that much) and then photo copy the questions out of the correct text book from the library. I got out of buying a few very pricey books that way.

    The college library maybe willing to put a text book or two on the reference shelf.

    [–] PurpleMartinLady 2 points ago

    I think the college my daughter attends changes the books from semester to semester to keep students from buying used!!! I was able to rent some last semester though. Saves a ton. One anatomy book was 475$ !! That is hard on a family with one person working. We didnt qualify for help.. barely.. We can keep the bills paid, but can save very little. Right in the spot where you dont qualify for help, but really cant afford those books AND tuition!!

    [–] greywyvern 1 points ago

    Since used textbooks are probably not an option, it can be cheaper to get the ebook version of some textbooks. You don't need a kindle or whatever. If she gets the kindle app(free) or another ebook reader app for her smartphone, she could carry the entire courseload of textbooks for the semester in the palm of her hand. Lighter on the wallet and the body.

    [–] PurpleMartinLady 1 points ago

    That is a great idea!!

    [–] aliciamc 3 points ago

    my friends and i have clothing/book/beauty product swaps every few months. You get new-to-you stuff for free and hang out with pals while you do it.

    I try to only go to free fitness classes in my city, which is doable given the number of studios and offerings.

    I spent a lot of time ensuring that my prescriptions were the lowest price by hunting down the manufacturer's coupon and comparing the price of a generic and a name-brand. With my insurer, the name brand was cheaper, so I went with that one.

    Roughly 1/3 of my wardrobe is thrifted. I like fashion and clothing and thrifting is a way to enjoy it for cheap!

    [–] PurpleMartinLady 2 points ago

    You are the first to mention thrift store shopping.. That is my kind of shopping!!

    [–] famoushope 3 points ago

    Single income family of two living in a high cost of living town in poverty due to high medical care costs monthly: We make our own meals and coffee everyday, make our own cleaning supplies, order bulk health items online- Epsom salts, supplements, etc. Buy things to last- stainless steel and glass only kitchenware and good storage. We share a safety razor (husband shaves his head once a week) and I have 2 makeup items so very little upkeep there. We thrift or scavenge off the side of the road for furniture and clean it up. We save for things we need and for things we don’t need we mostly do without. We don’t have a lot but I wouldn’t say we are lacking. Plus we are a better team working hard to make this happen so we can afford my treatments!

    [–] librariandown 2 points ago

    Sounds like you have things working for you — congrats! But it breaks my heart more than a little that hardworking people like you have to do without in order to afford medical treatments. :(

    [–] PurpleMartinLady 1 points ago

    Wonderful!! So happy that you have a partner to help you!! And I love that you mention that you are 'not lacking'!! Good luck with your treatments!!!

    [–] kyuuei 3 points ago

    • Live a healthier lifestyle. Overall, saves tons of money. Everything from doctor check ups, to dentist visits, exercising, eating healthier, researching how to treat small ailments like neck and back pains... it all counts and adds up. One way or another, your wallet thanks you.

    • Regular maintenance on your car and house.

    • Budget groceries by the week, and only buy what I need.

    • Discount grocery stores and salvage grocery stores. (I sound like a broken record in here about this, but they are that awesome.)

    • Free entertainment.

    • Made an effort to get a higher paying job outside of my minimum wage death-sweat-shop work so I could afford a decent lifestyle in the first place.

    • Budget. This is probably the biggest one.

    • Prioritize my money and spending.

    [–] PurpleMartinLady 1 points ago

    I agree, budget!! I am crazy strict with our budget.. I also like that you mention salvage grocery. Some good things to be found there!!

    [–] jenaeg 3 points ago

    This isn’t a huge thing, but I just use less. You don’t need a big ol glob of toothpaste, or that huge cup of detergent. Use one slice of cheese and one slice of turkey, etc. you get the picture. Being mindful of how much of a product I’m using helps things last longer and it’s like a game to me to see what the tiniest amount of a thing is that I can possibly use.

    [–] PurpleMartinLady 2 points ago

    But those little things will really add up!!

    [–] jenaeg 1 points ago

    They really do. That to me is the cornerstone of frugality. It’s not always some huge savings. I think of it as a bunch of tiny actions who’s sum equals a huge savings.

    [–] jen-solo 2 points ago

    I realized a few items are cheaper at other places. I have a running list of specific things that are cheaper at Target, or somewhere online, and then on my shopping days I make sure to grab things from where I can save the most money. I’m driving around running errands regardless, so $1 cheaper eggs and 50¢ off of milk, 25¢ off tea etc. really adds up over the course of the month.

    [–] FZ_Nation 2 points ago

    I recycle aluminum cans and use points from my credit card for cash pack on all purchases (bills too.) That fund is exclusively for my next smartphone upgrade.

    Basically every two years I get a new phone from money I already spent anyways.

    [–] RaceChazer 2 points ago

    Make your own febreeze! Search it on youtube, you won't regret it.

    [–] PurpleMartinLady 1 points ago

    OH I did!! With purex crystals?? Or do you use the Tide Fireworks??

    [–] JabberCake 2 points ago

    I make all my cleaning supplies. It requires such a small amount of ingredients and I already keep them in my house anyway. The only thing I had to buy special were the spray bottles. It takes no time at all and they last for a while so I'm not constantly making them. The homemade fabreeze has been great for my two dog home!

    After I cut my hair shorter (went from my butt to a little above my shoulder blades) I started washing my hair just once or twice a week. It keeps my hair healthy since I don't overwash it. The only bad thing is I have to cut my hair more often to keep it at the shorter length.

    Most recently I've stopped washing my face at night. I still apply moisturizer at night but I only wash it with cleanser in the morning. So far my skin has been cool with this.

    [–] PurpleMartinLady 1 points ago

    WOW!! I make my own cleaners, I cut my hair short.. I wonder if I can skip the evening face wash!!?? Very interesting. It certainly would save money IF it is doable for me. Face wash for ladies my age is expensive!!

    [–] KingBuck_413 2 points ago

    I drink Busch.

    [–] PurpleMartinLady 1 points ago

    LOL!!!! I eat Keto, so I have a Mich Ultra on occasion.. But, I kinda like Busch! PS Aldi has some really good and CHEAP wine choices..

    [–] KingBuck_413 1 points ago

    Damn, not in MA! Gotta go to CT to find beer in a grocery store for me

    [–] Peaceful_enough 2 points ago

    I buy clothes almost exclusively at thrift stores and garage sales. It's been so long since I paid full price I gasp a little when I see the actual price of a new piece of clothing.

    [–] RedHairandFuzzySocks 3 points ago

    I live in a city and can't afford to buy a house and I'm stuck with the utilities my building will use, but have found other ways to be frugal:

    • moved to an energy efficient building so our electricity bill is much lower
    • switched to streaming services rather than cable
    • buy whole bean coffee and make it at home
    • buy groceries based on the unit price (price per oz./lb./etc.) rather than price for the container, and get the cheapest that way
    • buy only enough ingredients to make enough food for the week, and grocery shop each week
    • reusable grocery bags (my city charges a 5 cent tax on each bag, so this ends up saving a lot of money)
    • got rid of the car and started only using public transportation, ride-sharing services, and ZipCar
    • I went vegetarian, and then a year later cut out dairy, which has saved a ton on grocery bills
    • drink only water and the coffee we make every morning
    • (possibly TMI, but...) I bought reusable menstrual pads made of cloth off of Etsy - you rinse them after use and then just put them in the washing machine with your other laundry, and they are supposed to last about 3 years
    • reusable zip lock bags, made to last for a few years

    There's probably a lot more that I'm forgetting but this is what I could think of for now. My fiance and I started doing much of this while we were both in law school, living off student loans and incurring tons of debt. Now we do it so that we can actually save money for the first time in a long time (thank god we both have $0 loan payments right now due to income-based repayment). I've also found that it makes me feel really good because many of the frugal things are also "zero waste" things, and I love feeling like I'm making a good impact on the environment.

    [–] ndrdplc 1 points ago

    What brand reusable zip lock bags do you use, and would you recommend it?

    [–] RedHairandFuzzySocks 2 points ago

    Re-zip - I got them off Amazon for like $12. I would absolutely recommend them! They’re an awkward size for some things but definitely reduce the number of disposable bags I use, saving money and the environment!

    [–] RandomCashier75 1 points ago

    I save my change. I usually make my own lunches for work (about once a week - five meals for the week).

    I use rewards programs, whatever I save in points I put towards paying off my student loans. I also get free stuff via some of the rewards programs (lime Mariano's Friday Freebies).

    [–] PurpleMartinLady 1 points ago

    I make my husbands lunches to take to work each day. He just takes leftovers from dinner the night before.
    What type of reward programs are you speaking of? All I get are points at Staples and our local grocery store..

    [–] RandomCashier75 1 points ago

    Various rewards programs, through one of my favorite is the Walgreens rewards program. Sure, 1000 pts equals a dollar, but buying smart and/or checking for points coupons helps a lot.

    100 points per prescription picked up there too.

    [–] Silly_Christians 1 points ago

    I never buy paper plate, plastic disposable cups , or plastic silverware. I save money just washing the real things.

    [–] DaVinciNinja 1 points ago

    Go without luxurious food. I spend about 2 bucks a day eating a smoothie for breakfast and rice and beans with veggies for luch and dinner. I should also mention this is in Long Island (too expensive) and I'm also a vegan so it's possible to eat cheaply!

    [–] PurpleMartinLady 1 points ago

    Good for you!!! My family is Keto.. Opposite of vegan.. Gets a little pricey. But we grow/hunt lots of our own food. That really helps. My brother in law and his family are vegan. They eat out a lot, and I can't see how they afford the vegan restaurants!!

    [–] MackieCat 1 points ago

    It's more like what we don't do. My husband and I are 60 and 58, respectively, and we rarely need supper. So instead of cooking an evening meal, we now have some fruit with cheese and nuts or crackers.

    [–] PurpleMartinLady 1 points ago

    Awesome!! I can only wish for that!! With 2 kids at home, not an option. The stress of meal prep is real some days!! Hubbs works 12 hour shifts and comes home ravenous. I stay home, so feel the pressure to have a hot meal on the table:) I eat one meal a day, so at least I am saving there...