What are some money saving tips?

FRUGAL LIVING: resources strict management. CHEAP LIVING: only the cheapest thing. MINIMALIST LIVING: having ONLY the things you need.

FRUGAL LIVING: resources strict management

CHEAP LIVING: only the cheapest thing

MINIMALIST LIVING: having ONLY the things you need.


The biggest expense you may have are:

a. Housing (rent, utilities, bills)

b. transportation (public and car expenses)

c. Food (groceries at home, eating out)


You can find below an example that might be the case:


  1. LIVE with your parents until 30/35 or until you get in a relationship.
  2. Part time/ full time job and university together. Get schooled and experience. Don’t worry about finishing it later.
  3. Change jobs until you find a decent salary.
  4. Use your parents’ car, or buy a car you can totally afford. No premium ones.
  5. Buy Minimalistic high quality clothes
  6. Get an iPhone and keep it for 5 years. Change battery after 2 years. Same about pc or iPad/tablet. Don’t update your iPhone if not necessary.
  7. Shoes maintenance, get them cleaned and new soles before you buy new ones.
  8. Get low gym membership or train calisthenics/street workout
  9. Buy an E-scooter and use it instead of taxi or bus.
  10. Avoid social media to avoid impulsive behaviour
  11. Do your Prayers/Dua in order to feel fulfilled and not relying on external things.
  12. Surround yourself with friends and a partner who has similar or identical frugal habits.
  13. Shave your head, and let your beard grow.
  14. Start budgeting
  15. Meal plan, eat clean. No junk food, sweets, sodas etc…
  16. Cook in bulk
  17. Check out coupons and go for them (Groupon, CardStar, WISHUPON etc…)
  18. Sell things you don’t need to get some money and new space for useful things
  19. Buy used
  20. Return things you don’t need when you have a chance
  21. Repurpose the clothes you already have
  22. Walk or bike when you can
  23. Change lightbulbs, washing machine, refrigerator etc… for A class ones (spend more to spend less later)
  24. Automatic transfers for your saving/retirement account
  25. Don’t buy books, go to library instead or get a monthly subscription on online library.
  26. Evaluate your subscriptions (Spotify, Netflix etc)
  27. Have date nights at home
  28. Eat out once/two times for week (pizza/kebab is best based on price and what you get while I feel bad on sushi and not satiated later)
  29. DON’t get a loan for a car or something fancy and useless.
  30. GET a loan for solar panels, materials for insulation, new implants to get Lower electricity and energy bills.
  31. Don’t drink or smoke
  32. Get a side hustle if you want more money (part time jobs, private tutoring, freelance stuff etc)
  33. Pay down every debt you have
  34. Avoid using credit card
  35. Try no-spend challenge (except food, bills, rent, gas, loans)
  36. Buy in bulk and check often grocery prices for new discounts
  37. Ditch cable if necessary
  38. Travel frugally, by visiting relatives or off season for other places
  39. Grow your own vegetables
  40. Go out just for a walk or cycling, or get your e-scooter and just drive around without stopping for food or drink. It’s a cheap hangout. You don’t have to spend always when you go out.
  41. Make yourself a coffee, don’t buy Starbucks and related products. Not worth it. ( I have 3 mokas and I drink “caffè Borbone” paying 4,99 € for 500 gr lasting weeks or even 1 month).
  42. Stop impulsive buying (reduce impulsive generic behaviour despite not being correlated to your budget)
  43. Make shopping lists (direct to the point)
  44. Keep your hands Clean (less bacteria and viruses)
  45. Sales shopping/post holiday
  46. Buy generic if not really necessary
  47. Change phone plans if overpriced of if you use way less mobile internet than offered to you
  48. Fix leaks in doors and windows hence better internal insulation (less energy bills and more efficiency)
  49. Skip the dry cleaner
  50. Avoid dishing machine by washing it manually immediately when food is fresh.
  51. Snack before you shop
  52. Don’t waste food ( cook less or give it to your pets)
  53. Lighten up your car
  54. Don’t pay for things you don’t use or rarely use, rather borrow it or rent.
  55. Unplug, devices still consume energy when are not used
  56. Save your loose change in a piggy bank
  57. Reuse grocery store bags, don’t throw them away or JUST bring your backpack
  58. Don’t pay for stuff you can get for free
  59. Keep your freezer and your refrigerator full
  60. Cook cheap meals
  61. Stop using paper towels
  62. Cold showers and after 2 minutes out
  63. Wash clothes in cold water
  64. Skip single use products
  65. don’t let the water run while brushing your teeth
  66. brush your teeth regularly and use salt and water instead of stuff like “Listerine”
  67. Dress warmer during colder moment
  68. keep blinds down during summer in order to reduce AC usage
  69. General energy efficient appliances where possible
  70. plant trees to provide shade and a cooler environment around your home
  71. have meatless days
  72. don’t waste food, eat leftovers the next day
  73. buy is season foods
  74. pack lunch for school or work
  75. once a month clean the pantry and freezer and make a few meals
  76. Use old toothbrushes to clean the house where possible
  77. recycle old clothes when you clean your house
  78. Join airline loyalty programs
  79. Don’t buy food near monuments or popular destinations
  80. Have friends over or just go to their place with some snacks
  81. Hiking and camping would be interesting
  82. try between 50/30/20 - 50/40/10 - 80/20 - 40/40/20 when budgeting. Concerning FIXEDCOSTS/VARIABLECOSTS/SAVINGS.


Rose Morris

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