Frugal Living Tips to Help You Save Thousands
Written By Jay
Improve your personal finances by being more frugal and get a jump start with these frugal living tips.
What does being frugal mean?
Being frugal is a way of living that serves to help one get ahead, especially in the times of rising inflation. Spending money on items thoughtfully and keeping in mind a set budget can help ease so many of the tensions of day to day living.
Living frugally also helps put things in perspective. You’ll learn what you need, what you don’t need, and the things that are most important to you will rise to the top.
Being frugal will help you achieve your financial goals faster and will help you gain a better appreciation for everything that you use.
Below I have put a list together of some frugal ideas, tips and tricks that I think should be on anyone’s mind trying to cut back and live a more frugal and budget friendly lifestyle.
Frugal Living Tips: Table of Contents
1. Create a Budget
Creating a budget is going to help you get started on the right foot and help you accomplish your financial goals. Basically, a budget is the map on your financial adventure. It will help you find out where your money is going, create an emergency fund, live within your means, and adopt a good financial mindset.
2. Find out where your money is going
Understanding where your money is going each month is absolutely necessary if you plan to save and invest to your full potential.
This will help you answer questions such as, “how much do I spend each month on food?” and “how much do I pay in subscriptions every month?” Think about it, how many subscriptions are you paying for that you either don’t use, or worse, forgot about. I think we’ve all been caught by the free trial that turned into a months-long subscription that got used once. Not any more!
3. Live within your means
One of the big mistakes a lot of people make without even realizing it is living beyond their means. This means paying for things that they can’t afford which results in debt, less savings and investments, and more stress.
One observation that my wife and I often make is that people tend to drive really nice cars. Cars are very expensive, now more than ever. Perhaps some of these people own these cars or make enough to comfortably afford their monthly payments but I know that most of the time this isn’t the case. This is a perfect example of living beyond your means.
Buying used, cheaper items in general, not just cars, comes with a lot of benefits. You can actually own the item, rather than making payments on it. Having less expensive payments or even no payments frees up that money for other things like paying off debt, savings, or even just having a nice night out without having to worry as much about whether you can afford it. Essentially, you’ll have more disposable income, without actually making more money.
This is the magic of living within your means. Having more money without having to make more money.
4. Create an emergency fund
Saving up for an emergency fund is absolutely necessary to avoid the terrible stress of surprise expenses that will inevitably come up in life.
Unfortunately, cars will break down, accidents will happen, and money will need to be spent. What if you don’t have that money? This can lead to more debt and a downward financial spiral. However, having a safety net in the form of an emergency fund will come in really handy when life happens.
How much should you have saved up as an emergency fund? The standard advice that you will read everywhere is $1,000 and this is still enough to cover most unexpected expenses and is a solid goal. This should come first before additional savings because, well, if something comes up the money will come from your savings anyway, right? Just consider the first $1,000 that you save your emergency fund.
How do you save up an emergency fund? Budget, find out where your money is going, and if necessary, try to make some extra money. If you do these three things you’ll get there quicker than you think.
5. Adopt a good financial mindset
Why is having a good financial mindset so important? You will be approaching your finances with the right perspective which will help you achieve your goals. Making goals is easy but actually achieving them takes the right mindset.
How do you adopt a good financial mindset? Understand the why behind your actions and know your goals. If your mindset is right, everything else will follow.
Meal Prep and Food
6. Make a meal plan
Make a meal plan every month and/or week and figure out ahead of time what food prices are going to cost you every time you shop. Have a plan in place so that you know what you are going to buy before you enter the grocery store.
7. Put together a food list
Has this happened to you? You come back from a big grocery shop with bags and bags of amazing looking food only to realize that you’ve forgotten something really important that you needed?
Me too, and it costs so much more when you buy a lot of what you don’t need and don’t buy what you do need. That’s a lose lose situation.
Going to the grocery store without a list can make you overspend…a lot. That’s why creating a food list is always an important part of living a frugal life and keeping within your budget. It only takes a little extra time to put a list together of what you need before shopping and you never have to come home realizing that you forgot to buy coffee.
8. Buy Food in Bulk
When you get the chance, opt for buying items in bulk. If you have a food plan in place, getting the items in bulk will save you money by purchasing more of what you need and less of what you don’t.
Why pay over $5 for name brand packaged oatmeal when you can buy it for $1 a pound in bulk and get exactly the amount that you need? In fact, one of the biggest benefits to purchasing in bulk is being able to get as much, or little, as you need. Gone are the days of food manufacturers imposing their preconceived notions of how much rice, flour, or chocolate covered gummy bears you should buy.
Similarly, if an item goes on sale and it is something that you know you use a lot of, take advantage and stock up. This can save you a lot of money in the long run. Just don’t fall victim to impulse buying good deals. Remember, cheap pop tarts are still more expensive than no pop tarts.
Take back control. Buy in bulk.
9. Buy Food in Season
Depending on the season, certain types of fruits and vegetables will be more affordable during the months that they are in season. The benefits here are many. In season food will be fresher, grown closer to where you live, and of course be cheaper. Another bonus is that it’s more tasty!
Taking advantage of the time of year to buy your produce can do a lot to lower food costs especially when it comes to some of the more pricey produce such as avocados and asparagus. The difference can be several dollars per individual vegetable or fruit. Spread that out through an entire year of shopping and think of the money that could be saved by just buying food in season.
10. Don’t shop when you’re hungry
This is one tip that could quite literally save you thousands of dollars throughout the year, because when you’re hungry that $8 hand crafted novelty pastry (you know the ones…in front of the store) made locally all of a sudden seems affordable. Stay strong and stick to that planned list!
11.Prepare food for the month/week
This goes hand in hand with creating a food budget and planning your grocery shops and meals. When you know what you need and more or less what you will be eating regularly, preparing your food ahead of time means more ready to eat food in the house which means less emergency food runs to the drive through.
This can also be a lot of fun. So package your food early, get the ingredients ready, and get meal prepping. Having your food ready will make it easier to keep to a budget and save.
12. Pack your lunch
Now that you’ve prepped it, bring it to lunch!
It’s a little thing to do but it has a huge impact on your finances and it’s also usually a much healthier option. Buying lunch every day can really start to chip away at your budget so making your lunch goes a long way to helping keep your finances in check.
Think about how much even just $5 a day during the week for lunches adds up over time. That’s $5 a day, $25 a week, $100 a month, and $1,200 a year roughly. Double all of those figures for $10 a day, which is probably more realistic, and you’ve got $2,400 reasons to pack your lunch each year.
13. Use Leftovers
Don’t know what to bring to lunch? Leftovers make perfect lunches because they’re already made, probably already packaged because they’ve been put away from the night before, and usually taste even better the next day.
Not wasting leftover food and eliminating waste in general wherever possible can save you a shocking amount of money.
14. Don’t’ buy coffee make your own drinks
My wife and I save hundreds of dollars a month making our own copycat type drinks from our favorite coffee shops. Even purchasing all of the ingredients and necessary tools comes out so much cheaper than buying drinks all the time.
Find a tutorial on how to make your favorite drink and have fun trying to get it as close as possible at home. It’s surprising how close you can get. Some of our drinks taste exactly like what we buy when we go out.
You could also just opt for a nice cup of regular brewed coffee or tea. Either way is a win.
15. Order Take Out Rather than Dine In
Do you eat out a lot? Do you enjoy the restaurant experience? Unfortunately, this experience can come with a hefty price tag. Eating out in general can be quite expensive but one way to reduce costs and make your favorite local Italian food a little more affordable is to take your dinner to go.
Dining in can be a wonderful experience but it’s a lot like going to the grocery store hungry. You are much more likely to indulge when you are physically in the restaurant, enjoying your food and the ambiance. Not unlike the holidays when you are enjoying a nice family dinner, it’s all too easy to say yes to more.
If you order online or over the phone for pick up, you’ll have less opportunity to splurge, keeping more money in your wallet while still getting to enjoy your favorite dish.
Smart Clothing Tips
16. Buy At Thrift Stores
You can get some incredible deals at the thrift store or clothing exchange; it’s definitely nothing to scoff at. For example, some of my own personal favorite thrift store finds include a pair of $300+ dress shoes for $15, several name brand dress pants for 80-90% less than retail price, and one of my all time favorite jackets.
Be careful though, thrifting can be addictive. There’s almost always at least one good find and it doesn’t have to be just clothing. There is usually a large selection of odds and ends including items that are normally quite expensive new, like picture frames, for example.
17. Buy brands out of season/style
Buying clothing that’s going out of season is a smart way to bulk up your wardrobe when the seasons begin to change.
For example, items that are traditionally worn in the summer season will go on sale as winter approaches because, not surprisingly, it’s not very comfortable to wear tank tops during cold and rainy weather.
This is a lot like buying produce that is in season except you don’t have to eat it. All you have to do is be a little bit strategic in your clothes shopping schedule throughout the year and you can save a lot of money.
18. Get money with clothing exchanges
Some stores allow you to bring in your clothing in exchange for money or store credit. However, the items usually will need to be clothing that is trendy or at least something that fits the general style of the particular exchange.
If you have a large wardrobe with nice clothing that you rarely use, this can be a great way to get some extra money or money for some more versatile clothing.
19. Take stock of your closet
Check out pieces of your wardrobe and see what kind of unique outfits you can put together with items you already own. In fact there is a neat app that helps you come up with great outfit ideas. Stylebook and Getwardrobe are two apps that let you upload your wardrobe so that you can make a catalog of your clothing. How does this help you? This will allow you to take stock of your closet and find items that you don’t need or want or wear anymore for whatever reason.
You also might realize that you have really nice clothing that you forgot about which means you no longer need to go out and buy more. The real benefit is doing more with less. Even just a few well picked clothing items can create several outfits and these apps will help you do it.
20. Buy Versatile Clothing Items
Anytime you decide to buy a clothing item, think about what kinds of outfits these items can be paired with. For example, go for clothing staples like jeans and tank stops or tee shirts and coats with neutral colors that will mix and match well with your other items
Again, this is about doing more with less. For work, I’ve got a solid rotation of various color shirts and pants that all pair well with each other making countless outfits. This essentially makes my wardrobe similar to someone else’s with much more clothing but whose clothing doesn’t match well with other items.
If you keep this in mind when shopping or when deciding on what clothing items to hang on to you will find yourself with a more versatile and fulfilling wardrobe.
Smart and Frugal Car Ideas
21. Buy A Car in your price range
It can really take a toll on your finances when you have a hefty car payment. Most people that I know have car payments and it makes sense. Cars are expensive. Buying a car that is out of your price range, however, can be financially crippling.
When looking at purchasing a car, really be honest about what you need and how much you can afford each month. Let your budget be your guide.
22. Buy A used Car
You may have heard that new cars lose value the instant you leave the car dealership. It’s unfortunate but true. Cars are not the greatest investment which means buying a used car is not a bad way to go.
Another thing to consider when buying used is that you are more likely to be able to afford a nicer car with more options because its value has gone down. You should definitely take advantage of this fact when considering purchasing a vehicle.
23. Use Gas Aps to Save you money
There are actually some amazing apps and tips to help you make driving more affordable. Apps like GasBuddy and Upside can help you locate the cheapest gas in your area and even get you discounts on your gas. Even Google Maps lists gas prices on your map to help you find the lowest prices near you.
24. Carpool when possible
This is not always possible but if you are able to, carpooling comes with many benefits including lower gas prices, less pollution, and on certain highways, access to the commuter lane for relatively stress free morning drives to work.
Carpooling doesn’t always have to be for work, either. Carpool with roommates to the grocery store or carpool with your friends when going out. Every little bit helps.
25. Check tire pressure
This is a really unique way to save a surprising amount on gas by making sure your car is getting the best gas mileage it can.
Having proper tire pressure ensures that your car is not only safer on the road but also getting the most miles per gallon. This will also reduce wear on your tires so they last longer and perform better.
Are you looking for more ways to save money on gas? Check out our post for some easy ways to save money on gas.
Holidays and Occasions
26. Save early for the holidays
If possible, get started on this asap. The earlier you start, the less you will need to save each month or the more you will have by the time it’s needed. All you have to do is put away a set amount in savings each month specifically for the holidays and don’t touch it. Many, if not all, banks offer a dedicated holiday savings account to streamline this process.
Believe me, you will be surprised at just how less stressful the holidays can be when you’ve saved up for it in advance.
27. Make Your own Gifts
If you have a talent for it or the hankering to try, making gifts can be a really fun and sentimental way of celebrating the holidays. There are lots of diy tutorials out there that go over crafting some pretty neat items.
These can be anything from nicely packaged and prepared cookie mix to a crocheted scarf. This could also be the start of a new hobby. Something about crafting your own items is immensely satisfying and seeing someone else use them is very rewarding.
28. Buy Discount Decorations
Buy your decorations at the dollar store and really put your decorating into overdrive while sticking to your budget. You can buy anything from wrapping paper to gift bags, even cookie tins.
It’s a wonderful place to shop for any holiday occasion and it’s hard to beat purchasing everything you need for the price of one or two full priced items from somewhere else.
Frugal Activities
29.Taking up hiking
In this time of abundant technology, getting back to the great outdoors is a perfect way to entertain yourself, get some fresh air, and avoid some of the trappings of modern society.
Hiking is as easy as taking a walk but something about it really puts you in a good frame of mind. Couple that with the fact that it’s free and you have a winning combination. My wife and I love to go on walks together and hiking out in nature is even better. It definitely beats an overpriced remake of what used to be a good movie.
You never know, it could even turn into a fun and healthy hobby. Pair it with bird watching, and general exploring for even more fun.
30. Go to Community centers and parks
Local pools and community centers are actually great places to bring a family for much less than many other family activities. I have fond memories of going to the community pool during summer as a kid and I probably went to the parks nearby everyday when I was younger. In fact, I actually still go to the nearby parks.
Parks are wonderful places to play, walk, exercise, or just sit and relax. If you’re lucky enough to have a duck pond nearby, bring some bread and make some friends.
31. Local Zoos and wildlife centers
Depending on where you live, some areas have wildlife centers that are sometimes free or very affordable. This makes it a perfect destination for a family outing, a date, or even a solo adventure.
You never know what you’ll see at a zoo. I’ve had some pretty interesting interactions from various animals over the years, from getting stared down by multiple primates, to almost petting a capybara.
Local wildlife centers are great also. You can get up close and personal with local wildlife that you would probably never even see otherwise. I highly recommend this one if you have one nearby.
If you love animals, this should be next on your list of things to do.
32. Visit the Library
Check out what lies in the local library and get lost in a book that you never pictured you would read.
Libraries are full of adventure, mystery, and fun. You will always be surprised by the range of topics covered and genres. Before the internet, libraries were where you could go to discover new things. The great thing is that they are still around and still just as interesting, if not more so.
Even if you aren’t a big reader, libraries are quiet and peaceful and I can almost guarantee there is something for you there.
It is definitely worth giving it a try. After all, it’s free.
33. Avoid Busy hours
You might be wondering what I am referring to and the answer is, most things. Most things are more expensive during “busy” hours and “busy” times of day and avoiding these times can save you money.
Movies are a good example of this. Matinee tickets are usually around half the price of evening tickets. That’s a huge discount and the matinee cut off usually goes into the early evening which makes it easy to avoid the later, more expensive, show times.
This applies to much more than movies too. Your energy bill probably charges you more for your power during peak hours. Plane tickets are cheaper during less popular times of year. Clothing is cheaper when it is off season or last season. It really applies to everything.
So, for whatever it is that you are buying or paying for, check to see when the popular times are and see if they have a price discount for non peak times. You might be surprised at how much you can save.
34. Visit a Space Observatory
If you have a community observatory nearby I highly recommend it. We have one nearby that is part of a school and offers free events throughout the year and it is always amazing.
Taking time to get away and see the stars is nice by itself but when you have a high powered telescope operated by knowledgeable staff it really takes it to another level. If you are a night owl, check to see if there is a community observatory near you offering all night events. These will probably be more of a special event offered but is definitely worth checking out.
35. Try a picnic
A surprisingly fun thing to do, all you need is an appetite, some food, and preferably someone to enjoy your picnic with. This one can be paired with a trip to the park, or a nice spot on a hike. A picnic can be as simple or extravagant as you want it to be. It’s the flexibility that makes it so fun.
Take some time preparing some of your favorite portable foods and find a nice spot to enjoy it. Just watch out for ants.
36. Workout at Home
Gyms are expensive and, quite frankly, unnecessary. There are so many at home exercises that you can take advantage of with little to no equipment. Calisthenics, yoga, circuit training, running, and the list goes on.
Do you work out a lot? Consider building a home gym. This can possibly fall into the investing-in-quality-items category depending on your level of dedication. This also doesn’t need to be all at once. I shopped around and waited for sales, found used deals, and generally took my time to slowly build up my home gym and I’ve absolutely saved money versus going to a gym using it.
I understand that some people enjoy the gym environment and that it is motivating and if that’s the case, then it might be worth it for you. The key thing to ask yourself is, if you have a gym membership, are you using it enough to justify the expense and how much could you save working out at home instead.
Make your home more efficient
37. Make Energy efficient upgrades
There are countless upgrades and hacks that can be done to improve the efficiency of your home. Look at old appliances that may not be functioning well and look for places throughout the house that can let hot or cold air escape or come in and find ways to seal them. Solving some of these problems can lead to big long term savings. However, never assume new is automatically better. Always make sure to do research when purchasing anything, especially appliances.
For quick and easy solutions to something I’ve always had in my apartments is that gap under your front door. Worse than a cold breeze coming under it, I’ve seen a large house centipede run right under the door from outside. No thank you.
Something like this can stop the draft and at least make it a little more difficult for insects to get in.
38. Change Your lightbulbs
Consider upgrading the lightbulbs in your house to save money. Switching to energy efficient light bulbs throughout your house can really add up. There is also the bonus of not having to change them as often because they last long too. Don’t forget to turn them off when you leave the room.
39. Turn Off lights
Turning off lights is frustratingly difficult. I always leave the lights on without even thinking. If this is you, consider a timer for your lights if it really is difficult to remember. You can set the timer to turn them off at night before bed or during time that you know you won’t be using them.
This isn’t as good as turning them off every time you leave the room but at least it can set a baseline to work from.
40. Get Black out curtains
Not only are they great for being able to help you get a great nights sleep by blocking out any light, they can actually save you money during the hot summer months when used strategically.
When I was growing up, we would open up the windows at night to let the house cool down and as sun as we woke up we would close the windows and pull the shades closed in the rooms that we weren’t going to be using. Don’t worry, we had some of the curtains open to let light in but a lot were drawn shut and it helped immensely to keep our place cool during some really hot Summers.
41.Avoid Using Power during Peak hours
Energy costs the most to use during peak hours, if you are running the heater and air conditioning during this time you are paying much more than during the off peak hours.
You should be able to see how much energy you are using during peak and off peak times on your utilities bill. Use this to gain an understanding of your energy usage and come up with a plan on how to reduce the amount of peak time power usage.
This doesn’t mean reducing it to zero, but waiting a little longer to turn the air conditioning on or turning it off a little bit earlier can go a long way in reducing energy costs each month.
Just A few More Frugal Ideas
42. Get rid of pesky subscriptions
Get rid of those forgotten subscriptions from years ago that are still hitting your bank account unsuspectingly each month. You know, that 10 day free trial for some weird service that you didn’t really need and forgot about.
I suggest a subscription audit. Go through your bank statement and look for all of the little charges from subscriptions and right them down. Pick the ones you use and unsubscribe to the rest. Next, add up how much you were paying each month for stuff you weren’t even using.
But before you do that, get our free printable subscription tracker to make it even easier.
43. Go To the Dollar store!
If you haven’t already you would be absolutely astounded at all the products you can buy at the dollar store. Even though this was mentioned before as a great place to buy holiday decorations, I feel it needs to be mentioned for your regular everyday items as well.
You can buy toilet paper, hand towels, dish soap, dishes, and so many everyday items for, you guessed it, a dollar. Next time you see one, stop by and take a look around. You won’t be disappointed.
44. Don’t buy name brand
Almost always, brands don’t matter all that much. Avoiding name brands can save you a lot of money while not really missing out on anything significant
For example, store brands offer some great competition to name brands for clothing and food alike. Also, looking for alternative brands that are lesser known is a good way to find cheaper options, higher quality options that may be worth investing in, or both. Either way will save you money and doing a little bit of research can go a long way.
45. Buy Quality Items where it matters
Sometimes buying the cheapest item is not always the greatest idea in the long run. For some things, it’s best to invest in an item or risk spending a lot more in the long run.
In general, I’ve found that higher quality clothing usually lasts longer and stays looking better for longer. Clothing can be expensive which is why I try to find as much as I can at thrift stores, exchanges, and Ebay. Shopping out of season and just looking for good old fashion sales is another great way to find quality, long lasting items, for a good price.
46. Use free online tutorials
Sometimes buying a program to help you learn something new is not always in your best interest. There are a lot of amazing tutorials out there that can really help you hone your skills while on a budget.
For example, if you’re learning a language there are so many amazing channels out there with high quality free information to help you self teach. This applies to literally anything from arts and crafts to working on your car.
47. Change your phone plan
Changing your phone plan can make a huge impact on your finances and it can really go a long way toward freeing up your budget.
Mint Mobile is a really good way to save money on your phone bill while still enjoying high quality service with easy to customize plans and features. Check out our post on how Mint Mobile could save you hundreds.
48. Consider Staycations
Vacations are great but they are rather expensive. If you need a break but aren’t quite ready to commit to a vacation, try a staycation instead. It’s much cheaper, no travel involved, and is actually really fun.
What is a staycation? Basically treat your home like a vacation spot. Do a spa day at home, have a movie night, make an exotic meal. The sky’s the limit on what your staycation can be and you would be hard pressed to make it cost more than a trip to Hawaii, unless you already live there. If that’s the case your staycation will be amazing.
49. Community College
If you plan on going to college, especially if you’re unsure of your major, going to community college can literally save you thousands, if not tens of thousands of dollars. Make sure to work with a counselor and get to know the ins and outs of the college units and you’ll be able to save a lot of money and avoid all of the student loans.
Also, try to take classes that can work toward several requirements. Being as efficient as possible when picking classes can also save you time which will save you money. I’ve spent years taking classes that didn’t really count toward much. When I finally sat down and outlined everything and figured out the best classes to reach my goal, I was able to transfer and finish my degree in only a few semesters versus what could have taken me years.
50. Create Your Own Piggy Bank
Start to collect loose change and money and maybe even think about investing that extra money. If you don’t use cash, the app Acorns is essentially the virtual equivalent. It will round up purchases that you make and invest the extra amount for you.
51. Keep up with preventative maintenance
Cars are expensive to buy and expensive to operate with gas prices as high as they are but one way to make them even more expensive is to neglect your preventative maintenance.
Long story short, the brakes on my car needed to be replaced. Well, as time went by they progressively got worse and worse and eventually I was forced to bring it in. When I finally brought my car in to have the brake pads changed I got some rather unpleasant news.
Not only would I need new brake pads but also new rotors because I had worn them down excessively driving around with low brake pads. What would have been a relatively inexpensive job now cost me $700.
Learn from my mistakes and stay on top of your car’s maintenance. Something may seem expensive now but will likely be even more expensive if left unchecked.
52. Do Savings Challenge
You might be surprised at the money you can save up by doing some simple savings challenges. You are literally only limited by your creativity.
There are challenges to save for a year, for a month, no spend challenges, vacation savings challenges, and countless more.
Take a look at some of my favorite savings challenges with printables for more ideas.
53. Shop Around For Insurance
A lot of people get attached to their insurance or are just uncomfortable with change. If something is working, why change it? I completely understand. However, insurance can be one of those things that are worth shopping around for.
I recommend at least getting quotes from a few other insurance companies for your current coverage and seeing what savings can be had. You may be surprised to find that you are paying much more than if you were to switch over. Some may even offer incentives to switch. This is definitely worth looking into and usually you can get quotes online relatively easily.
54. Take Stock of Your Home
Just like your closet, you should take stock of your home. Get rid of what you don’t need and discover what you may have forgotten you had. This can help you make sure not to rebuy anything you already own. You can also create a much better living space by decluttering and getting rid of items that aren’t being used.
Think of it like Spring cleaning even if it isn’t Spring. Get a fresh start take ownership of your living space. You can sell the things that you won’t use and find better places for the things that you will use. Having a clean living space will increase productivity and just generally help foster a better mindset and a good mindset is very important.
55. Do Side Jobs
When all else fails there is always the option to make more money. This doesn’t mean working a second full time job or slaving away. There are all sorts of ways to make more money, even if you already work and need flexibility.
Picking up a side gig can help you find your passion and help shake things up. It’s incredible how much can be made doing simple things that you probably never even considered. I definitely recommend taking a look at our article on the subject, 15+ Real Ways to Make More Money Right Now.
Summary
That’s it for now. I really hope you find some of these helpful and would love to hear your ideas on frugal living. I plan to regularly update this as I find new and helpful tips to live a more frugal life. Have fun saving!
DISCLOSURE: THIS POST MAY CONTAIN AFFILIATE LINKS AND/OR PAYED PLACEMENT. PLEASE READ MY DISCLOSURE FOR MORE INFO.
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