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15 Creative Ways to Start a Frugal Living Lifestyle

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Frugal living has become all the new rage. Okay really minimalism has, but not everyone fits that lifestyle. Yet we can all benefit from what they offer. When you think of frugal living think of living in a way to save money. If you think about daily ways to save money, you will be surprised how exciting the end of the year becomes.

A frugal lifestyle may be the exact change you are looking for. It can cut back on your spending, allow financial freedom and more.

My husband and I have been a frugal living couple since we met. I remember when I was still in college and he was out working a “real job” in fact he still works there! He had bought an old beat up truck from a friend for $500.  He couldn’t even make a full payment to the guy for it.

It took three payments to pay it off. But at 20 years old he did it.

It was a time when I had a  beater car myself. An Oldsmobile that was on its last leg. I had to hope that I didn’t get stuck at a red light for too long or it would stall out.

It was an ordinary day when we decided to go grocery shopping at frugal folks favorite store- Aldi.

At the time, Aldi only accepted cash, debit, or EBT card. We both had separate accounts since we were only dating.  Our total was $40.

He swiped his card and it was denied. Instantly my face flushed bright red with embarrassment. Then I felt proud to swipe my debit card.

It was denied.

We had to leave our cart and tell the cashier we would go to the ATM and be back for it. It was humiliating.

I knew right then and there I didn’t want this to happen again. Although it did, several more times.

We weren’t going out with friends every weekend, we were a couple of young kids making $6 an hour living in a place we couldn’t afford. We were paying $750 in rent a month. We only had enough to pay our bills. We didn’t realize we had to pay to feed ourselves too.

We ended up turning our heat down to 60 degrees in the winter because the heating bill in that place was awfully high. Even at 60 we were spending $200 a month.

Living a frugal lifestyle is fun. It’s not about being cheap. It’s about getting things for a better price. A price that fits your budget- not your lifestyle.

If you’re living a lifestyle you can’t afford what’s going to happen at the end of it all? We surely don’t bring our stuff with us when we die.

The thing I love about a frugal lifestyle is once you start you never go back. Even if you have enough money to pay your bills and then enough to go out and give to others, you still want to use coupons, get a deal and only buy something that is a practical necessary item.

That doesn’t mean you won’t do fun things like take the ENTIRE family to Disney on Ice. Or go on family vacations.

It’s all about balance and it’s really all about that budget.

Realize It’s A Lifestyle

You have to create a budget before you go any further. Right now go on over here and fill it out. Don’t put it off just bookmark it or and fill it in after this article. The cool thing about this is you can add in everything right into the form. You don’t have to print.

*Tip there are a bunch of different budgeting forms here.

Once you have that budget you need to look at your lifestyle. What are the things you have been misled into buying? For example, did you really need to buy that delicious looking loaf of bread at the grocery store, that is just sitting on the counter?

Did you have to get that new phone? Did you need to get a brand new car? Did you have to go out to eat every night? Every Tuesday, Thursday and Saturday?

The key word is –have. The hard truth is you are probably short on cash because you are maintaining a lifestyle. Not a way to survive.

Set a Goal

Setting a goal is so beneficial. If you write one thing you hope to achieve in the next year it serves as a reminder to help you get through difficult times.

Think about what it will mean to you and your family once you achieve it. Take a minute to set a goal and little things you can do to get there. Try a one-year goal, five-year goal, and a 10-year goal.

I like to break my goals down into months as well. I write out ten goals for the month. The ones I don’t reach get carried over to the next.

Write down your smaller steps first that you can work on to achieve your main goal.

Here are a few questions to consider when setting your goal.

  1. What do you want?
  2. Why do you want it?
  3. What’s holding you back?
  4. What will you do to get it?
  5. How will you prioritize it?
  6. When is your deadline?
  7. How will you reward yourself?

Downsize your apartment/house payment

Part of the reason my husband and I didn’t have enough money to pay for our groceries was that we were living in the apartment we couldn’t afford. We chose to live in a popular place where rent was high.

When we got serious about our finances we ended up moving out of that area and getting a bigger apartment for $150 less a month. Sometimes we get caught up in the “way it is” mentality.

We think it’s the way it is, to live in a place that is expensive, but it’s not. If your apartment or mortgage is too high ask yourself, could we get it for less?

Get back to the basics

It can be a humbling experience to get back to the basics. Basic meals, basic phones, basic life. If you are wanting to leave this page right now hear me out. A basic life isn’t a bad thing. You can find peace, contentment, and happiness in basic.

It’s your attitude and perspective that brings about joy. We all know if we really strip down the filters happiness is not found in our stuff, our appearance or the image we portray to others.

So stop the upgrades, the must-haves. Don’t let your kids push you to believe they need everything new and now.

Be Patient

You need to be patient. Living a frugal life is like those times you need to be honest with a friend but have to take time to pray about it before you speak. You need to be patient before you make a purchase.

While you are sitting back working that muscle to think before you buy, you will give yourself time to find the best deal. If you wait there will be a deal on whatever thing you need.

If you pray there will be the exact item at the right price for that item you need. Don’t get too excited about that car for only $1,000 make sure everything you are looking at functions and will fit the purpose you need it to be.

Use What You Have

It’s pretty likely that right now you probably have enough. We live in a culture where we go grocery shopping when our pantry and fridge is already full. We add more and forget to see what we already have.

Groceries are a great way to live frugally. You can always make your meals at home by using what is in your pantry first.


Even if you just see noodles, sauce, beans, and some fruit you have a meal. Put aside your normal and look beyond to see whats practical. There is a great thing to realize when learning to live a frugal lifestyle, and that is the emotional side. Many times our emotions lead us to purchases we didn’t need.

Get Rid of Debt

Frugal people know that debt is a downer. It just lingers and pulls at you. The worst thing to do is ignore it and bury it further. You want to look at ways to cut back expenses so that you can pay off your debt.

Dave Ramsey’s plan was our game changer. You can learn about it here.  I think in our culture we look at others to much and buy the items they are buying. If they are making a lot of big purchases we think they must have money. We forget that many people are financing this and adding another monthly payment.

Frugal folks know they don’t need to have a six-figure income to have room in the budget or live a peace-filled financial life. It’s all about not having debt.

Recognize When You Need Something & When You Want Something

Needs and wants are really two different things. The items you talk yourself into are not needs. Do you need a brand new car for a new car? Why do you need a new car? Is it because of the social order it will put you in? It’s like fancy purses. Sure everyone enjoys a new purse.

Anything new is exciting and enjoyable. But why have a fancy purse when you don’t have any cash to put into it? Don’t let stuff cover up you. You matter. Your personality is what people remember about you, your relationships, not any of your stuff. Do not let your stuff slow you down.


Discipline yourself by recognizing is this a need or a want?CLICK TO TWEET

I would keep track of everything you are spending. Or maybe look back at that room full of stuff and see what you really need and what you can get rid of.

Stop Using Your Credit Card

Oh, the big debate. I hear it now. “But you get so many points back.” Have you ever met someone who is making a six-figure say, “My credit card points got me here.” Let’s look at facts.

Credit cards make it very easy to buy things to just get the points. Isn’t it more tempting to just spend $20 extra bucks because then you will get extra points for that plane ticket you want?

If you have the discipline to buy what you need and can pay off your credit card bill each month then fine, use it. But according to statistics, there is a very small percent of us Americans who have the willpower to walk away from the power of just throwing it on a plastic card. Buy things with money you have- CASH, Debit Card!

Invest Time

It is crazy how many things you can get for free or cheap if you just invest time. I’m a coupon deal blogger and I share freebies on my blog daily. I haven’t paid for a magazine subscription in five years. I’ve got the Wall Street Journal for free for almost an entire year.

You could get enough free samples of shampoo and deodorant that you don’t need to buy a full jar.  If things are tight and you are tired of living paycheck to paycheck- invest time to get things for less.

Take advantage of all the free information you have at your fingertips. If you have time you can live on less and have so much more my friend.

Check out, freestufftimes and my deal blog here.


Don’t Eat Out- Unless You Have a Coupon

Eating out for meals is a huge budget breaker. Many times you can have a healthier and cheaper meal at home for a lot less. If the thought of cooking meals sounds excruciating to you start by only eating out if you have a coupon/discount to use. Follow websites that offer discounts on restaurants.

Make a schedule for those days when the coupons are good for and then plan the rest for meals at home. Even if you start with frozen prepared meals, it will be cheaper then going out to eat. Start small. Then work your way down to only one night out a week.

If you need help meal planning you can use my favorite meal planning app here.

Budget for Every Holiday

Living a frugal life means you aren’t that person after Christmas, who says “Oh man I’m broke.” The holidays that you celebrate throughout the year are the same time every year.

We know that Christmas and our kids birthdays come once a year right? So budget for them.

Keep your eye out for items throughout the year for holidays. Buy holiday items when they go on clearance for the next year. Always be prepared for these holidays coming up and you won’t break the bank for Christmas every year.

Change your Social Status

During this season of life, you may need to take a close look at your circle of friends. When you are trying to pay off debt and not spend money it’s not so easy to get together at Starbucks with so and so even though you need a break from the baby.

You don’t have to end any relationships.

Just let them know you are serious about taking one step toward a greater victory. That victory is debt free living. They may not stay and hold your hand and that is ok.

You need to do this. Be careful scrolling through social media if anything triggers you to want to just spend or to get you sidetracked thinking you can’t pull this off.

You can. You will. 

Get Rid of Cable

Yep. Don’t try to let them convince you again that you can get a package deal. Who likes watching T.V. now with commercials?!   I LOVE Netflix and Hulu. They are the type of programs where you are streaming your shows for $7.99 a month.

Hulu is great because you get to watch T.V. shows the day after they air on the networks. The only downside is they do break for very quick commercials. You can upgrade your HULU account for commercial free.

Netflix is rocking it right now with offering their Netflix exclusive shows like Fuller House that are released a whole season at a time! This is the way of the future as many of these networks have their own exclusive shows.

15 Creative Ways to Start a Frugal Living Lifestyle

I highly suggest Amazon Prime- it works out to $7.99/month and you do not just get to watch T.V. shows and movies you also get 2 free day shipping and deals just for Prime Members! Try Amazon Prime 30-Day Free Trial.


Cut Back the Amount of Meat You Eat

You don’t need to eat meat every night. You could eat canned meat every night. I’m thinking more along the lines of fresh meat. Fresh meat can be a grocery budget killer so to save some cash start by cutting it out twice a week.

Once you have a little freezer full of meats to fall back on, make it a point to only buy meat when it is on sale or marked down. The great thing about finding meat that is marked down because it’s close to expiration is you can cook it and freeze or freeze right away.


Stop Buying Convenience Foods

That bottle of iced tea on your way home, or that coffee on your way to drop the kids off at school. Anything that is a convenience food is expensive and should be viewed as a treat. Little impulse buys take you further away from your new daily goal- saving money.

  It’s amazing what a lunch every day out will add up to at the end of the month.

Let’s say you buy lunch five days a week. You spend $10. That’s $50 a week and $200 a month. That is a good amount of money that would probably cover one of your bills or better yet could be applied to your debt. It’s easy to see a small number then to look at the bigger picture.

You may think that $10 is not a lot but when it becomes a habit that you do without giving it thought it looks like $200 a month of unnecessary spending.

Share Your Steps on Social Media

If you want to really take this challenge to the next step share your journey on social media channels. That way you feel like you are being held accountable. You never know who you may inspire to take a closer look at their financial habits.

Don’t forget to reward yourself for those small steps you are taking. It’s good to celebrate along the way. You can do this whatever you are looking for out of life, you can reach higher.


  1. Wendy February 4, 2020
    • Tasia February 5, 2020
  2. Debbie Fox February 5, 2020

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