FTC: This post is not sponsored and I am not a financial advisor. All thoughts and weird ideas are my own. 

We are merely 3 months away from a new decade. A NEW DECADE ya’ll! Let that sink in for a moment. And I don’t know about you but I am ready for the Roaring 20’s 2.0… but I will not be making the same mistakes Great Gatsby and them made back the first time. Even with an impending recession on the horizon, you don’t have to repeat the same financial mistakes our predecessors have done many many many times over.

In preparation for this new decade (and trust me you don’t have to wait three months to get started), I’ve decided to downsize in a few different areas, and of course my expenses are in the top 3 of that downsizing plan. As I adopt a more minimal approach in many other facets of life, there’s no reason not to try and be a bit more frugal in areas that really count. These frugal living ideas not only will help you cut costs, but they also will help you save more. That means more money in your wallet, your bank account, and in your emergency fund. 

The list below incorporates some of my favorite frugal living ideas that have proven tried and true in helping me keep the bag secured… because it’s one thing to secure a bag, but it’s a whole bigger thing to keep it secured long term. 


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frugal living ideas

Frugal Living Ideas To Improve Your Finances

Before I jump into my frugal living ideas let’s go over the basics (I wouldn’t be a good teacher if I didn’t go over the basics now would I). Frugal Living is the simple idea of making smart decisions with your money. So instead of buying the latest pair of Jordans or video game, you use that money in a way that will be financially beneficial to you and your future. It doesn’t that you are cheap, or don’t know how to have a good time. 

It is actually quite the opposite. As a resident frugal queen, I find that frugal living ideas make me more intentional with my money and therefore I am able to spread it far and wide to have more meaningful purchases.

Frugal living doesn't make you cheap. In fact intentional frugal spending will create more meaningful purchases that lead to more meaningful experiences. Click To Tweet

1. Track Your Budget:

It’s one thing to set a budget, but it’s another thing to follow it {Which Budgeting Technique Is Right for you}. You’ve created a budget… great. You’re excited about saving money and following your budget guidelines… awesome. Now how are you making sure that you’re staying on budget and following the guidelines. There are a ton of apps that can help you do this. If you sign up for our 8 week money saving challenge we provide you with 2 different tracking techniques to help make this budgeting task a whole lot easier! 

Whichever method you choose just make sure you do it. Tracking your budget will help keep you honest, or at least help you see where your money is going. Once you know what you’re spending on it will be easier to make adjustments. 

2. Watch where you’re spending: 

Now that you’ve created a budget, and you’re successfully tracking it, you need to be a bit more aware with where exactly your money is going. I notice that on a monthly basis a bulk of my money was going towards gas, grocery, and extraneous house hold expenses like toilet paper, detergent, or cleaning supplies. Because I’m aware of this I can use this products more intentionally at home to avoid waste, but I also know that I need to look for coupons, deals and price drops on particular items that I may be running out of soon and will need to restock. 

3. Say Goodbye To Takeout

I don’t mean forever and I don’t mean always but I do mean for a good majority of the time. Cooking at home will save you money and make your budget happy. When you’re budget is happy that means you are happy, and I very much so want you and your budget to be happy. Instead of going out to eat, grocery shop and make meals that will fill you up, can be saved fo left overs/lunch the next day. I love meal planning and this helps to limit the amount of food I waste, because I intentionally buy the ingredients I need for the week and use it before it has the chance to go bad. Nothing worse than wasted food! 

4. Declutter Your Home

Not only is this good for your mental, but it is good for your financial life as well. Clutter just causes unnecessary ugliness in a space that can be use for something more productive. Trust me… my linen closet is living breathing proof of my own nonsense. Besides being a relief on your mental burdens, decluttering your home to get rid of things you no longer want or have use for can turn into a financial gold mine.

Sell the things you no longer have use for, trust me there is a market for almost everything. Use that extra coin to add to your savings, use it for gas, groceries… the possibilities really are endless here. 

5. Slow down your expendable expenses:

This one I wanted to say in the most respectful and political manner as possible. Basically at the core of what I’m trying to say is: stop your shit. Stop drinking and smoking, or any other vice that may be taking away from your money .. .and probably your health. And if you won’t do it for your own well being, then it is time to cut the chord from your weekly wine purchases and save that money for something more useful and intentional. 

Don’t get me wrong I love a good glass of wine on a Friday evening to calm down my nerves from the stress of the week. However instead of re-upping my alcohol stock in my home, I choose water and find other ways to release my stress. 

6. Be Creative With your hobbies

Your hobbies do not have to cost a fortune. In fact some of my favorite things to do in my spare time don’t cost me anything, and others cost me very minimally. Figure out activities you can do, places you can go, things you can learn all for free or for a low cost. Living in NYC definitely is a perk when it comes to finding cheap or free creative hobbies to acquire. {20 Things To Do On A No Spend Weekend}. However even if you don’t live in a huge city, you can still have loads of fun doing local adventurous things in your hometown. 

7. Cancel your subscriptions 

I urgently warn you to heed this advice when I tell you, you don’t need to be subscribed to 100 different things. Chances are you aren’t using that subscription to its full potential anyway buy you are still paying the monthly, quarterly or annual fee. With all of these new streaming services popping out of every corner, it may be tempting to simply subscribe to each one to get a piece of what you want to see on your screen. A smart way around this is to break up the subscriptions amongst your friends and family. Everyone will cover something but with a simple password and username share you can access the episodes of Friends and The Office without feeling guilty about it. 

These seven frugal living ideas are set to be practiced continuously in oder to see real results. If you found this article interresting don’t be afraid to share it with your friends, family and nosey neigjbor. You can also join in on our mailing list where we challenge you with an 8 week challenge about money and self growth! 

Until next time,