I didn’t wake up one day and decide to be frugal. It just kind of happened as I started paying attention to where my money was actually going. A lot of times, the little things made the biggest difference. None of these habits feel like a huge sacrifice either—they just make life simpler and a lot less stressful. Here are 15 frugal habits that are part of my life now, and I’m not planning to quit them anytime soon.
Featured Image Credit: sundikova /Depositphotos.com.
Actually Using What I Buy
I used to stock up on random stuff—then half of it would expire or just sit there. Now I’m big on using what I already have, even if it’s not perfect. It’s not about being cheap; it’s about respecting the money and time that went into getting it in the first place.
Cooling-Off Period Before Buying
When I see something I want, I don’t grab it right away anymore. I wait at least a day (sometimes longer). Nine times out of ten, I either forget about it or realize I don’t really need it. It’s such an easy way to cut down on impulse buys.
Sticking to a Grocery List
Going into the store without a list is asking for trouble. I keep a running list on my phone and stick to it. It helps me avoid those “Oh this looks good” moments where I end up with five bags of snacks and nothing for dinner.
Repairing Things Instead of Tossing Them
I’m not super handy, but I’ll patch a jacket, fix a leaky faucet, or glue a broken handle before replacing it. Little repairs take way less time and money than buying new ones. Plus, there’s something really satisfying about fixing something yourself.
Cooking at Home Most of the Time
Eating out is fun once in a while, but doing it all the time drains my wallet fast. I keep easy ingredients on hand so I’m not tempted to grab takeout every time I’m tired. Most nights, throwing together pasta, a sandwich, or leftovers is quicker (and way cheaper) than ordering delivery anyway.
Buying Secondhand First
If I need furniture, clothes, or gear, the first place I look is thrift stores, consignment shops, or online resale sites [no shame in it]. You can find solid stuff for a fraction of the price—sometimes brand new with tags still on. Half my house is secondhand at this point [and honestly, you’d never know unless I told you]. It’s cheaper, it’s better for the planet, & it just makes sense.
Using Cash-Back Rewards Without Getting Tricked
If I’m already spending money, I might as well get a little back. I use a few cash-back apps and a rewards credit card—but only on stuff I would buy anyway. I’m careful not to get suckered into buying extra just for points. That’s where they get you.
Canceling Subscriptions I Don’t Truly Use
Every few months, I go through my bank account and cancel any subscription I forgot about. It’s shocking how fast those little $5-$15 charges add up. If I’m not actively using it, it’s gone. No guilt. No second-guessing.
Setting a Monthly Fun Budget
I don’t believe in never treating yourself—that just makes you miserable. But I do set a small “fun” budget each month. If I want to buy books, go out for coffee, or catch a movie, I do it guilt-free… as long as it fits into that budget.
Choosing Water Over Fancy Drinks
It sounds boring, but drinking water saves a ton of money. I used to grab sodas, coffee shop drinks, or bottled juices without thinking. Now, I mostly stick with water, and those small savings really add up over time. Plus, I just feel better.
Making Homemade Gifts
Store-bought gifts can get so expensive and honestly feel a little impersonal sometimes. I like making homemade candles, cookies, or even simple handwritten notes. It’s cheaper, and people always seem to love it way more.
Saving Surprise Money Instead of Spending It
When I get extra money—like birthday cash, refunds, or bonuses—I don’t treat it like “free money.” I throw it into savings right away. It helps me build a cushion without feeling like I’m “losing” anything because it wasn’t money I was counting on anyway.
Borrowing Instead of Buying for One-Time Needs
If I need something random like a power washer, a cake stand, or extra chairs, I ask around before buying. Friends, neighbors, or family usually have it and are happy to lend it. No need to spend $100 on something I’ll use once and shove into storage.
Always Having an Emergency Fund
Even when things are tight, I prioritize putting something—anything—into an emergency fund. It doesn’t have to be huge right away. Having even a little tucked away has saved me so many times from going into panic mode when unexpected bills hit.
Finding Joy in Free or Cheap Fun
Walks at the park, library books, movie nights at home, cooking with friends—some of my favorite memories didn’t cost a thing. I’ve learned that happiness isn’t tied to spending. It’s about the people, the moment, and making the most of what you already have.
Disclaimer: This list is solely the author’s opinion based on research and publicly available information.
Like our content? Be sure to follow us on MSN.