Are you a frugal living, money saving diva, or are you on the other end of the spectrum and living frugally just doesn’t come quite as naturally to you? Let this list of over 20 things frugal people don’t do help you start to save money while weeding out any unnecessary expenses you have.
Saving money might come easily to you – it might even feel natural, like it’s just the normal way to live. While to others it might be challenging and difficult, and they might find themselves getting frustrated when they try to save money.
If you’re looking to expand your knowledge and find more ways to save money and live frugally, this list is for you. If you want to start living frugally but don’t have any clue where to start, this list is for you.
There are so many unnecessary expenses in our world today and it might even surprise you by the number of monthly expenses you have that really aren’t necessary. Expenses you’re just used to paying and you might not even think twice about.
Are you ready to jump in? Here it is.
22 THINGS THAT FRUGAL PEOPLE DON’T DO
1. THEY DON’T BUY STUFF JUST BECAUSE IT’S ON SALE, OR BECAUSE THEY HAVE A COUPON FOR IT
Many, many people struggle with this one. They think that just because something is a great deal, they must buy it. But if you weren’t going to buy it when it wasn’t on sale, ask yourself if you REALLY do need it, or if you’re just purchasing it because it’s a good price.
If it’s something that you really don’t need, curve the temptation to buy it and walk away. Always remember, if you’re buying it just because it’s a good price but you don’t actually need it, you’re not saving money – you’re wasting money.
2. THEY DON’T BUY UNNECESSARY STUFF
Ah, stuff. The biggest money-sucker if I ever did know one. Buying stuff just because it’s a good price, or it looks cool, or you think you might need it – but in reality, you don’t – is a BIG no-no. It’s a very easy way to waste large amounts of money without you even realizing it.
3. THEY DON’T LET THEIR FOOD GO TO WASTE
Have you ever had to throw out a container full of once perfectly good food that got stuffed into the back of your fridge and started growing mold on it? If you really want to make an effort at saving money and living frugally, start utilizing your leftovers.
Don’t let food go to waste. Make sure you know what you have in your fridge and pantry and make sure you use it up before it goes bad.
4. THEY DON’T HAVE UNNECESSARY EXPENSES
If you look at your budget do you see any expenses on there that aren’t a necessity? If you do, why are they on there? If you’re paying for something that you don’t need you’re just wasting your money. Look through your budget and make a list of expenses that you can get rid of altogether (or at least lower!).
Don’t settle for paying for something that you don’t need.
5. THEY DON’T PAY BILLS LATE
Paying bills late = paying interest. Interest is such an unnecessary expense that can, usually, easily be avoided by paying your bills on time. You can also avoid paying interest by doing one simple thing – only buying things that you can afford.
It’s as easy as that.
Okay, maybe it’s not quite that easy, but it’s still a good rule to live by.
Don’t let the black hole of interest suck your bank account dry. Avoid paying more than you can afford on interest by marking your bill due dates on your calendar and paying them BEFORE any interest starts accruing.
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6. THEY DON’T HAVE THE LATEST AND GREATEST OF EVERYTHING
Is your family the type of family that needs to always have the latest and greatest of everything? Are you constantly upgrading phones, appliances, vehicles, and more?
If you are, it’s time to start being happier with less. If that phone still works, use it. If your car can still get you safely from point A to point B, don’t buy a new one. Learn to be happy living with less.
7. THEY DON’T EAT OUT OFTEN
People that lead frugal lives definitely limit the amount that they eat out every month.
Do you eat out often? Do you realize how much money you are spending every month on eating out and grabbing a coffee on the road?
Dining out adds up to a lot of wasted money over time, and it can simply be avoided by making your food from scratch, at home.
8. THEY CUT BACK ON HOW OFTEN THEY BUY COFFEE OUT
Just like eating out, buying coffee out all the time can add up quicker than you might expect. Invest in a good coffee maker (we have this one and we love it!) and make your own coffee at home.
Rather than spending $3+ on a single coffee, you will be bringing that number down to less than $0.25 a cup – depending on the kind of coffee you buy.
9. THEY DON’T BUY IN SMALL QUANTITIES
Frugal people do this one, of course, within reason. If you can save money by buying in bulk (and use everything up and properly store the items so they don’t go bad over time), you should buy in bulk.
But if you’re buying something in bulk because it’s way cheaper, but you won’t use it up – or if you’re buying it in bulk because you’re assuming it’s cheaper (do some research before you assume all things in bulk are cheaper – hint: they’re not!), then don’t buy in bulk!
10. THEY DON’T LET A GREAT SALE GO BY
IF it’s on something that they need. If kale is on sale, but you really don’t like kale, don’t buy it just because of the good price. It will most likely just end up going bad in the back of your fridge. But, if a good sale comes on something that you use often (for us that is cheese, dish soap, milk, etc), don’t be afraid to stock up!
Just don’t go overboard.
Going overboard then having food go to waste is not a good thing.
11. THEY DON’T GO TO THE MALL A LOT
Do you love window shopping? Do you realize how dangerous it can be if you don’t have total self-control? Browing through the glass windows in the mall with no intentions to buy anything can turn real expensive real fast.
There’s a good chance that you will come across a sale that seems way too good to be true and end up spending money even though you had no intentions to.
If you don’t want to spend money – don’t go to the mall (or any stores for that matter).
12. THEY DON’T MAKE LAST MINUTE TRIPS TO THE GROCERY STORE
Because we all know those quick grocery store trips to grab one ingredient can end up being 45 minutes long and $50 more than you were planning to spend.
To avoid this, learn how to meal plan so you can make ONE trip a week (or month, whichever you choose) to the grocery store and NO more than that.
13. THEY DON’T GO TO THE GROCERY STORE WITHOUT A LIST
Speaking of grocery stores, another important thing to always do is go shopping with a grocery list. Don’t walk aimlessly down the aisles without a list or else you will likely end up buying things that you don’t even need.
Without a list, it’s way too easy to get caught up in the moment (or a good sale) and wind up at the checkout with much more than you were originally going to get.
14. THEY DON’T FORGET WHERE THEY SPENT THEIR MONEY
Do you track your spending? Keeping track of your spending habits is a big part of frugal living. This allows you to know how much money you have spent, where you spent it, and what you spent it on.
When you know exactly how much money is going where it is much easier to start saving money.
15. THEY AREN’T CLUELESS ABOUT THE PRICE OF AN ITEM BEFORE PURCHASING IT
If you want to be better at managing your money one important thing is to always know how much an item is before you buy it.
When you know the price of it before you’re at the checkout it’s much easier to decide NOT to get it than it is to blindly go to the checkout, ask the price, and refuse it (does anybody else feel the pressure to buy it when at the checkout?).
Double and triple check the prices so you know exactly how much you’re going to spend – and if it’s too much you can put it back BEFORE getting to the checkout lane.
It’s also a good idea to check your receipts. After your shopping trip, look over your receipts to make sure you weren’t overcharged for anything, and if you were you can catch it right away (perhaps even before you leave the store!).
16. THEY ALWAYS LOOK THROUGH LOCAL FLIERS BEFORE GOING SHOPPING
There is absolutely nothing to be ashamed of if you’re a flier shopper. Be a flier shopper. Shop those weekly deals and save more money than people who don’t shop the flier.
It’s a great idea to check through all your local store fliers before you head into town so you know which stores you’re going to, what you’re getting at each store, and where the best deals are.
17. THEY KNOW HOW TO, AND AREN’T ASHAMED TO, SAY NO
Saying no can be tough and can sometimes feel embarrassing, I get it. But if you want to live a frugal life, learning how to say no is imperative.
Whether you have to turn down an invitation to go out for an expensive evening, or you’re telling yourself no if you’re tempted to buy something that you don’t need. Don’t be ashamed to say no, realize that sometimes you are going to have to turn things down if you can’t afford it – or even if you can afford it but just don’t want to spend money on it.
18. THEY DON’T SETTLE
Frugal people know that there are endless ways to save money, and that there’s always new ways that they might not know about.
Life is an on-going learning curve, and learning to embrace the things that you don’t know and being willing to get creative with your finances is super important if you want to save money!
Sure, you could be like everyone else and cut your costs by the smallest amount possible, so you are just barely scraping by. But if you truly want to be able to live a life of financial freedom you have got to be willing to get creative and sometimes go against the grain.
19. THEY DON’T BUY BRAND NEW
Did you know that you can get nice, name brand clothes and NOT pay top dollar for them? If you’re willing to sort through a big rack of clothing to find the perfect item, try going to thrift stores like the Salvation Army or Value Village.
You can get some really great quality clothes for a FRACTION of the cost that you would normally pay.
There are even stores (local scratch and dent stores) that you can get great, new appliances at for much less than regular retail price.
20. THEY AREN’T CLUELESS
They have a plan for their money. Do you have a plan for your money?
Create a plan for your money and make your money WORK for you.
21. THEY’RE NOT ABOVE DOING SMALL SIDE HUSTLES HERE AND THERE
There are so many different options of things that you can do to earn extra money, it’s almost ridiculous. And a lot of them don’t even require very much time, or for you to leave your own house.
If you’re exhausted from work but still need some extra money, find some easy side hustles that you can do. With everything from small side hustles to real work from home jobs, the options for making extra money are just about endless.
As I’m sure you can guess, the #1 side hustle to make money, in my opinion, is Blogging. Click here to learn how you can start your own blog and make money from home in just a few simple steps.
22. THEY SAVE MONEY AND HAVE A PLAN FOR IT
This one goes along with having a plan for your money. Don’t let emergencies sink you into financial debt. Save money so you are prepared for the unexpected. An emergency fund is something that absolutely everybody should have, even if you’re living paycheck to paycheck.
If you want to save more money, check out Ebates. Ebates offers cash back for purchases made through them. So you can be making money back on things you were going to buy anyway. Ebates offers a variety of stores, including Walmart, Kohl’s, Macy’s, JCPenny, Amazon, eBay, and many, many more! Sign up for free and get a $10 cash bonus when you sign up through my link!
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10 Simple Ways to Save More Money Every Month (we save money & we are living on ONE INCOME!)
4 Easy Ways to Get Your Finances Organized
Rejoice in hope, be patient in tribulation, be constant in prayer. Romans 12:12