45 Frugal Habits People Swear By And The Ones They Say Aren't Worth It

In an era of skyrocketing prices and tighter budgets, frugality has become more than just a trend—it’s a survival skill. From saving on energy bills to mastering the art of DIY, millions of people are turning to frugal habits to stretch their dollars further.

But as the saying goes, not all that glitters is gold, and not all money-saving hacks are worth the effort.

Frugality often conjures images of clipping coupons or buying in bulk, but it’s much deeper than that. At its core, it’s about prioritizing value over waste and maximizing resources while minimizing costs.

With inflation and financial stress on the rise, people are searching for ways to live smarter, not harder. However, even the savviest penny-pinchers will tell you that some strategies deliver better results than others.

Two recent online discussions explored this dynamic, revealing which frugal habits people find life-changing and which ones they think aren’t worth the hassle.

From brewing your own coffee to making questionable sacrifices for tiny savings, these insights highlight the balance between financial discipline and quality of life. Let’s dive into what people are saying about frugal living—what works, what doesn’t, and why the journey to smarter spending is unique for everyone.

1. "Meal planning"

TrekJaneway

2. I absolutely hated grinding my own coffee beans.

I hated cleaning the grinder. So, I went back to ground beans for my cold brew and noticed only positive improvements.

TerrTheSilent

3. Driving ten hours each way instead of flying.

It would make sense if there were more than one person, but I only saved about $100, and it was stressful.

EnoughLawfulness3163

Frugality is not just about saving money; it’s a mindset that encourages us to think critically about our spending. According to financial expert Ramit Sethi, understanding your spending triggers can help you prioritize what truly matters. He advises tracking your expenses to identify patterns and areas where you can cut back without sacrificing joy. This method not only enhances financial awareness but also promotes mindful consumption.

By consciously evaluating purchases, you can redirect funds towards experiences that enrich your life rather than frivolous items.

4. Man, oh man

did I spend money on rainwater barrels that I never set up, which became a home for mosquitoes.chibialoha

5. A Chevy Volt

jcmach1

6. Getting a nicer vacuum sealer and a chest freezer were very helpful choices.

We received the sealer as a Christmas gift, and the freezer was left by my brother-in-law when he moved. Both have helped us through a couple of months of little to no income when they were fully stocked with couponed or discounted foods.

Also, I check weekly grocery deals and sales. I split shopping between Safeway and Fred Meyer; they’re across the street from each other, so I don’t mind wasting gas. Freddie’s has fuel points that help a ton, along with free points for taking weekly surveys. Safeway consistently has coupon savings and member savings, so I usually add $100 worth of items to the cart and check out for $40-50.

Puzzled-Cranberry-12

Life coach and author James Clear emphasizes the power of small habits in building a frugal lifestyle. He suggests implementing a 'no spend' day each week to assess what purchases are truly necessary. This practice can lead to significant savings over time and instills a greater appreciation for the value of money.

Clear's research indicates that consistent small changes can lead to remarkable financial growth, making it easier to embrace a frugal mindset long-term.

7. "Learned to start plants from seed..."

cooper8828

8. ALWAYS paying off the credit card bills in full every month.

Knowing the credit card company is floating me money and not making a dime off me in interest is extremely satisfying.Making dinner at home every night means I get food prepared exactly the way I want it; it’s less expensive and healthier.JustAnotherUser8432

9. "So many food choices."

bristolbulldog

Many people find that DIY projects can be both rewarding and economical. However, not all DIY efforts yield significant savings. Financial analyst Liz Weston warns against investing too much time in DIY projects that may not provide a good return on investment. Instead, she recommends conducting a cost-benefit analysis before diving in.

For example, while painting your home can be budget-friendly, hiring a professional might save you time and ensure a polished finish, particularly for larger or more complex jobs.

10. "Having engine trouble?"

Aguyontheinterwebs

11. Unplugging my electric dryer during this heatwave from hell.

Putting up a rotary clothesline I had in storage has been great. My clothes dry outside in anywhere from 40 minutes to one hour and 20 minutes. I should have started this midwinter (it never really got cold). I’m not heating up my house with the dryer, thus making the air conditioner work harder. My electric bill is lower, and I get a bit of exercise.Prudent_Valuable603

12. I got a bidet.

I feel way cleaner, and TP use is reduced by 90%!1ksassa

Research by behavioral economist Dr. Daniel Kahneman illustrates that our perception of value is often distorted by cognitive biases. For instance, the 'sunk cost fallacy' can lead us to hold onto items or investments that no longer serve us. Recognizing these biases can help individuals make more informed financial decisions.

To improve your financial situation, Kahneman suggests regularly reviewing your expenses and eliminating unnecessary subscriptions or services that aren’t adding value to your life.

13. Buying thick curtains. One-time purchase for long-term savings energy bill-wise.

AC/Heat is very expensive these days.kavalejava

14. Coupon clipping

I spend less money when I don't shop the coupons. LolThe thing was, even if I had the coupon, there was always a cheaper option, so I didn't use them anyway. I stopped bothering with coupons a long time ago.Quirky-Spirit-5498

15. Making homemade butter from heavy cream in my mixer.

I found I still needed to use store-bought butter in my baking and some main dish recipes. It tasted great, but it didn't save any money on the grocery bill.Bethsmom05

According to organizational expert Marie Kondo, decluttering your living space can lead to significant financial savings. By eliminating items that no longer 'spark joy,' you not only create a more peaceful environment but also identify items you can sell, further boosting your income. Kondo's approach encourages mindful consumption, leading to more intentional purchasing decisions.

Consider hosting a garage sale or using online platforms to sell unwanted items, transforming clutter into cash.

16. "Working out"

wallflowerendeavors

17. "Heated my house"

tecvoid

18. Always buy the cheap store-brand grocery products if they exist for the product.

I can often save between 20-60% on these items.PhatAssGamer86,

Frugal living can sometimes feel isolating, but relationship expert Dr. John Gottman emphasizes the importance of shared financial goals in strengthening relationships. Couples should communicate openly about their financial desires and constraints to foster mutual understanding and support.

Establishing a joint budget can not only facilitate financial health but also deepen emotional connections, creating a partnership rooted in collaboration rather than contention.

19. Buying meat in bulk and breaking it down into smaller packages at home

The cost difference is staggering.Most small packages of meat are only a small amount less than the cost of the larger uncut meat. For example, I can buy 12 lbs for the same cost as $5 lbs in small packages.FlashyImprovement5

20. Packing my lunch every day.

My colleagues spend $10-15 per day purchasing lunch. I bring leftovers in a microwave dish with some snacks like Greek yogurt, hummus & crackers, and fruit. It's insanely cheaper.usernamehere12345678

21. Not having children.

karlito1613

Dr. Carol Dweck, a researcher on motivation, identifies the importance of a growth mindset in overcoming financial challenges. Embracing a mindset that views setbacks as opportunities for learning can empower individuals to explore new frugal habits without fear of failure. Dweck's studies show that those who adopt this approach are more likely to persist in their efforts and ultimately achieve their financial goals.

To cultivate this mindset, reflect on past financial decisions and extract valuable lessons that can inform future actions.

22. Small one, making bread.

We have a bread machine, and our bread tastes better, is astronomically less expensive, doesn't have questionable ingredients, and is easy with the machine. Absolute win.SarahDezelin

23. "Buying a house..."

External-Presence204

24. "Moved close to my job."

EdwinaArkie

Financial planner Suze Orman recommends creating a 'wants vs. needs' list as a practical strategy for distinguishing between essential and discretionary spending. This exercise not only clarifies priorities but also helps individuals avoid impulse purchases that can derail their frugal efforts. By consciously acknowledging what you truly need, you can significantly reduce unnecessary expenditures.

Orman suggests revisiting this list regularly to adapt to lifestyle changes and shifting priorities.

25. "DIY projects..."

No_Principle_5534

26. I’ve gotten quite good at sewing and crafts and have learned to do so quite cheaply.

Everyone gets handmade gifts from me, and they love them.

dog_momof3

27. "Minimalism"

anon

Creating a meal plan can drastically cut down on food expenses, according to nutrition and budgeting expert Dr. Josh Axe. He suggests that by planning meals for the week, individuals can avoid the temptation of last-minute takeout and reduce food waste. A well-structured meal plan allows for bulk buying of ingredients, which can lead to considerable savings.

Moreover, Dr. Axe recommends involving family members in meal planning to promote a shared commitment to frugality.

28. Learning to fix my own car.

anon,Yunus Tuğ

29. Creating an Amazon wish list.

Before Amazon discontinued their browser plugin to bookmark from any site, I saved so much money adding things to a list that I thought I needed or wanted to buy.I would eventually go through the list, and a huge amount of things weren’t even available anymore because I had forgotten about them for so long. I’ve since created a Google Doc with the same purpose. It's been so helpful in saving money and realizing I truly don’t need a lot. Impulse spending has been drastically cut.InstantMedication

30. Cheap toilet paper.

I can use the good Charmin I love that does the job with much less, or I can use 2-3 times as much cheap toilet paper.AnUnexpectedUnicorn

Frugality often requires a shift in mindset, and author Brené Brown emphasizes the value of embracing vulnerability in this journey. Recognizing that it's okay to ask for help or seek advice can be transformative. Engaging with community resources or financial support groups can provide both knowledge and emotional backing.

Brown’s research underlines that shared experiences create a sense of belonging and can motivate individuals to adopt more sustainable financial habits together.

31. "1 liter bottles"

losthiker2

32. My wife and I drove two states over to pick up a brand new stove and microwave (that we found on Facebook Marketplace) for what seemed like a good deal.

Of course, neither one of us had a truck big enough, so we had to rent a U-Haul, pay for the gas, and lose a day.When we arrived, it wasn't quite the model we were expecting from the listing, but we had come too far at this point—literally. So we took it.Later, I found that exact model on eBay. It would have cost about the same to have it delivered.nick_storm

33. "Cord cutting"

DadOfParzival

Organizing expert Marie Kondo suggests that creating a joyful environment can enhance our relationship with money. Feeling overwhelmed by clutter can lead to stress-induced spending, as people often buy items to compensate for emotional discomfort. Kondo advocates for an intentional approach to possessions, encouraging individuals to only keep what truly brings joy.

By decluttering your space, you may find that you also declutter your mind, leading to more thoughtful financial decisions in the long run.

34. Buying Christmas/Birthday gifts year-round.

I shop clearance everywhere I go and have a covered bin in the attic for all things gift-related.Edit: This has also helped for last-minute invites to birthday parties or special occasions.momofmanydragons

35. Driving to a gas station

that is far away just to save 15 cents a gallon.

memphisjones

36. "Canning"

ivebeencloned

Financial literacy is crucial, and Liz Weston stresses that understanding credit scores can significantly impact one's financial health. Many people overlook this aspect, which can lead to higher interest rates and missed opportunities. Weston advises checking credit reports regularly and disputing any inaccuracies.

Improving your credit score can lead to better loan terms, ultimately saving money in the long run, making it a vital part of any frugal living plan.

37. "Buying whole fruit"

irena888

38. "Eating less"

saxtonferris

39. Reusable menstruation products

It’s kind of a pain and time-consuming to hand wash my pads, BUT I’m saving at least $10 every period. My reusable products have paid for themselves many times over.Aggravated_Pineapple

According to wealth coach Ed Mylett, creating a vision board can serve as a powerful motivator in your frugal journey. Visualizing your financial goals helps to reinforce your commitment to saving. Mylett emphasizes the importance of daily reminders of your aspirations, which can keep you focused and inspired.

Consider including images of your goals—like a vacation or a new home—to make your financial objectives feel more tangible.

40. Trying to save money on moving.

Hiring professional movers is always the right choice for me. The stress of family, tempers, and fatigue is too much.Mammoth_Resist8269

41. Taking public transportation

to and from work.

42. Making homemade laundry detergent.

I saved a dollar; I spent 15 minutes hand-grating a Fels-Naptha bar into tiny pieces. My laundry felt slimy and smelled funny.anon,Nik

Frugal habits can significantly impact mental well-being. Psychologist Dr. Dan Gilbert notes that financial stress is a major contributor to anxiety and depression. By embracing frugality, individuals can reduce financial burdens and create a sense of stability.

Implementing a budget can be an effective way to manage money and alleviate stress. Gilbert’s research suggests that financial security is closely tied to overall happiness, making frugality more than just a financial strategy.

43. Meal planning

Making a shopping list full of cheap ingredients that are flexible and last for a while, like potatoes and celery.rotatingruhnama

44. "Groomed my dog myself"

double_mood_675

45. Switching out cat litter.

I went from a good brand that also came with a higher price tag to the one at Costco. Deep cleaning the litter boxes became a weekly chore because of how much that cheap litter got stuck everywhere. I went back to the original litter and will never switch again.sidbuttmo

Finally, financial expert Suze Orman emphasizes the importance of emergency savings as a fundamental frugal practice. Building a safety net can prevent individuals from resorting to credit cards during unexpected expenses, which can lead to debt spirals.

Orman suggests aiming for three to six months' worth of living expenses in savings, allowing for peace of mind and greater financial freedom in the long run.

Frugality is more than just saving money; it’s about finding value and making choices that align with your goals. While some tips may feel like a waste, others can be transformative. The real key? Balance. Embrace what works for you, and remember, smart spending doesn’t have to mean sacrificing joy.

Comment with your thoughts, or share this article for all your family and friends to see!

Ultimately, embracing frugal habits can lead not only to financial savings but also to greater emotional well-being. Experts from various fields emphasize that frugality should be viewed through a holistic lens, incorporating mindset shifts alongside practical strategies. By focusing on what truly matters, individuals can create a sustainable lifestyle that enriches their lives.

Whether it's through meal planning, decluttering, or setting shared financial goals, the journey toward frugality can be empowering. As you explore these strategies, remember that the goal is not just to save money but to build a life that reflects your values and priorities.