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You are here: Home / personal finance / careers / Build Your Savings with 12 Easy Frugal Living Tips

Build Your Savings with 12 Easy Frugal Living Tips

By Teresa

Disclosure: Articles may contain affiliate links. As an Amazon Associate, we earn from qualifying purchases (at no additional cost to you). See our full disclosure here.

Last updated on April 28th, 2024 at 08:07 pm

Disclosure: This is a sponsored post on behalf of Carrington Dean, who provided this content. See my full disclosure policy here.

Anyone can build their savings with just a few smart, but simple tips. By being mindful of your spending and making small changes in your lifestyle, you will start to see a difference in your bank account. 

Below, debt solutions experts Carrington Dean have shared 12 easy frugal living tips to help you build your savings. Through helping hundreds beat debt each year, Carrington Dean are experts in debt relief, debt arrangements schemes, and ways to get your finances back on track.

Build Your Savings with 12 Easy Frugal Living Tips

Check out the 12 easy frugal living tips below:

  • Make a budget โ€“ and stick to it

The first and most important step to take if you want to start living frugally is to create a budget. Determine how much income you have coming in each month, then track your spending to see where your money is going. Once you have a clear picture of your finances, you can start making changes to save money.

  • Cut unnecessary expenses

Take a close look at your budget and see where you can cut back on spending. Do you really need that expensive coffee every day? Could you cook more meals at home instead of eating out? Are there any subscriptions or memberships that you no longer use? Start by eliminating small expenses, then work your way up to bigger budget items.

easy frugal living tips

  • Save money on groceries

One of the easiest ways to save money is to cut back on your grocery budget. Start by making a list of what you need before you go shopping, and stick to it. Compare prices at different stores, and look for sales and coupons. There are easy-to-use savings apps that can help you save even more. And, when possible, plan your meals around what’s on sale. We also recommend buying in bulk or cooking in bulk and freezing smaller portions for later.

  • Cut back on entertainment expenses

Entertainment can be one of the biggest budget busters. If youโ€™re looking to save money, start by cutting back on your entertainment budget. Instead of going out to the movies, watch a movie at home. Instead of going out to eat, cook a meal at home. Get creative and find free or inexpensive ways to have fun.

  • Shop secondhand

One of the best ways to save money is to shop secondhand. You can find great deals on clothing, furniture, and household items at consignment shops, thrift stores, and garage sales. You can also save by buying gently worn clothing online at sites like thredUP. Just make sure to only buy what you need and can afford.

  • Save money on transportation

Transportation costs can add up quickly, but there are ways to save money. If you live in a city, consider walking, biking, or taking public transportation instead of driving. If you have a car, carpool with friends or coworkers. And, when possible, plan your trips so you can consolidate errands to save on gas.

easy frugal living tips

  • Save money on utilities

Utilities can be a big budget item, but there are ways to save. Start conserving energy by turning off lights when you leave a room and unplugging electronics when theyโ€™re not in use. You can also save on your water bill by using less water when you shower, brush your teeth, and wash your dishes.

Many utility companies can show you how to save energy, and many even offer free LED bulbs, conservation kits, and energy audits.

  • Save money on housing

Housing costs are usually the biggest drain on our budgets, but there are ways to save. If youโ€™re a renter, look for a cheaper apartment or roommates to split the cost of rent and utilities. If you own a home, consider refinancing your mortgage or downsizing to a smaller home.

  • Save money on insurance

Insurance is a necessary expense, but there are ways to save. Start by shopping around and comparing rates from different companies. You can also save on your premiums by raising your deductibles and dropping unnecessary coverage. It’s always a good a idea to review your coverages periodically since your needs can change.

  • Save money on taxes

You canโ€™t avoid paying taxes, but there are ways to minimize the amount you owe. Start by taking advantage of all the deductions and credits youโ€™re eligible for. Check out this article for tax tips, including a tax preparation checklist. 

Following these tips, you can start saving money and living a more frugal lifestyle. You may even want to take financial education courses to learn more about budgeting, saving, and building wealth. Just remember to take things slowly and make changes that you can stick with in the long run. And soon enough, youโ€™ll be on your way to reaching your financial goals!


Also read: 
Free LED Bulbs and Energy Conservation Kits

How to Save for a Rainy Day: Try These 5 Smart Saving Strategies
Get Your Truly FREE Credit Report and Credit Score Online


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Filed Under: personal finance / careers

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