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The Best Frugal Living Tips For 2021

This post contains affiliate links. For more information please read my disclosure.

Updated On December 12, 2020

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The Best Frugal Living Advice For 2021
The Best Frugal Living Advice For 2021

The best frugal living tips for 2021

The best frugal living tips for 2021. Tips & tricks to start living a more frugal lifestyle this year. Learn to save money and live well – within your means

Here are the best frugal living tips to help you reign in your finances and start scaling back.

With the new year just beginning many people (including myself) are looking for ways to scale back their expenses, reduce debt and ultimately save some extra cash or continue to pad their savings account.

Frugal living in this house is simple: we look for ways to live better by spending and consuming less. .

There really isn’t a one size fits all approach to frugal living folks and it is absolutely not all or nothing.

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The Best Frugal Living Tips For 2021

#1 best frugal living tipS: Be Honest About Your Financial Situation

The best frugal living tips for 2019. Tips & tricks to start living a more frugal lifestyle this year. Learn to save money and live well - within your means #FrugalLiving #FrugalLivingForBeginners #FrugalLivingTips #FrugalLivingIdeas #FrugalLivingSavingMoney #FrugalLivingHacks

 

Before committing to living a more frugal lifestyle and getting your finances in order it’s vital to sit down and analyze what’s coming in and what’s going out.

Before making any changes to your budget or spending it’s imperative to sit down and analyze exactly what you’re spending on, what you owe and how much you truly make from month to month.

Honesty – is the cornerstone of making a significant change to your financial lifestyle folks.

 More reading you might find helpful

  • How to manage your money when you don’t have any
  • The total money makeover- a proven plan for financial fitness
  • 3 Easy Ways To Manage Spousal Debt

 

#2 best frugal living tipS: Identify Your Financial Goals

 

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Whether you’re living more frugally to reduce your debt load, save for retirement or save for some other reason that is important to you and/or your family it’s vital that you have a financial goal in mind.

Identify that goal and keep it in mind as you work towards incorporating frugal living into your lifestyle.

 

#3 best frugal living tipS: Create A Realistic Budget

 

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Realistic is the key word here folks. It’s certainly easy to aspire to set aside 1500$ monthly in savings for example but without a realistic budget it’s impossible to maintain these lofty goals over the long term.

There are a number of really great budgeting tools out there that can help you manage your spending, track your expenses and help you gain control over your budget (YNAB for example or Mvelopes if you’re more of an envelop system kinda person).

It would be unrealistic for me to suggest the 50/20/30 split (50% Essentials, 20% savings, 30% personal) because unfortunately depending on each of our unique situations abiding by these numbers can be impossible.

The moral of the story is come up with a budget that is a realistic reflection of your income and expenses and stick to it!

 

#4 best frugal living tipS: Trim Your Budget Where You Can

 

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After having a very honest look at your expenses you should probably have a clear idea of where you are overspending.

Whether you’re overspending on clothing, food or dining out try and find an area where you can scale back even a little.

It’s not so much about completely overthrowing your current lifestyle but finding creative ways to spend a little less while maintaining your same quality of life.

 More best frugal living tips:

  • How to keep your home warm and heating costs low this winter
  • 5 grocery shopping tips that will help save you money
  • Why we’ll never buy a new car and neither should you
  • 10 things you can do right now to save money
  • 99 Crazy Easy Genius Ways To Save Money
  • 12 Realistic Expenses You Need To Cut Out Of Your Budget
  • 5 Effective Strategies To Overcome Overspending Problems

 

#5 best frugal living tipS: Cook Your Own Food

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Our biggest scale back came from cutting out restaurant meals.

We spent so much (so much money!) on eating out and until we sat down and analyzed where our money was going we had really no idea exactly how much we were spending on eating out. It was actually quite (okay, very) alarming.

If you’re eating out twice a week or more perhaps look at cooking more meals for yourself. Eating out costs a fortune and the money you save can help pad your savings account or pay down debt.

If you enjoy eating out from time to time that’s great! But, if the you’re budget is suffering from eating out it might be time to scale back and make some changes.

 More best frugal living tips:

  • Reducing food waste in This Tiny Blue House
  • A weeks worth of frugal meals via A Thyme and Season
  • 165 easy delicious 5 ingredient dinners
  • 42 cheap, delicious and easy fall & winter soups
  • 20 cheap & healthy snack options
  • 200+ Easy And Cheap Casserole Recipes
  • 100+ Best Easy Instant Pot Meals
  • Must Have Kitchen Essentials For Every Frugal Kitchen
  • 10 Delicious and Easy Crusty Bread Recipes

 

#6 best frugal living tipS: Buy Used Whenever Possible

The best frugal living tips for 2019. Tips & tricks to start living a more frugal lifestyle this year. Learn to save money and live well - within your means #FrugalLiving #FrugalLivingForBeginners #FrugalLivingTips #FrugalLivingIdeas #FrugalLivingSavingMoney #FrugalLivingHacks

 

When it comes to buying clothes, household items and basically anything we need in our household we always look to buying used first.

Not only is it a wonderful way to save a heap of money but it’s great for the environment too.

Have a look at your local thrift shop next time you’re in the market to buy something. You’d be surprised how many wonderful treasures you can find with a little patience.

 More best frugal living tips:

  • Why buying used isn’t gross
  • 10 ways you can start living a more frugal lifestyle right now
  • why we’ll never buy a new car and neither should you

 

#7 best frugal living tipS: Create A Stockpile

 

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Saving money can sometimes mean you need to spend a little money up front. In the long run stockpiling principles will help you save money.

I refuse to pay full price for household essentials like laundry detergent, toilet paper, paper products and cleaning supplies. I actively keep track of sales and make it a point to take advantage of the savings when our favorite products go on sale.

 More best frugal living tips:

  • How to build a stockpile and save thousands in the process
  • How to save big on groceries with Check Out 51

 

#8 best frugal living tipS: Start A Side Hustle

The best frugal living tips for 2019. Tips & tricks to start living a more frugal lifestyle this year. Learn to save money and live well - within your means #FrugalLiving #FrugalLivingForBeginners #FrugalLivingTips #FrugalLivingIdeas #FrugalLivingSavingMoney #FrugalLivingHacks

 

When money is tight there are always options to help you alleviate financial overwhelm. If you don’t already have a side hustle going you might be interested in starting a small side-job that will help increase your income.

There are tons of viable and legitimate options out there and with a small amount of creativity you can find a stable way to supplement your income and relieve some financial stress.

 More reading you might find helpful

  • How to incorporate bartering into your life to save you money
  • 50 side jobs that will pay off your debt
  • 35 legitimate ways to make money online
  • The ultimate beginners guide for starting a PROFITABLE blog
The best frugal living tips for 2020. Tips & tricks to start living a more frugal lifestyle this year. Learn to save money and live well - within your means #FrugalLiving #FrugalLivingTips #FrugalLivingIdeas #FrugalLivingHacks #FrugalLivingSavingMoney #FrugalLivingDIY #FrugalLivingPennyPinching #WaysToLifeFrugal #FrugalLifestyleHacks #FrugalLivingGuide #WaysToLiveFrugal

Looking For More Money Making & Saving Hacks?

  • Make blogging an ultimate money making side hustle. I grew my blog into a 6-figure business in just over 2 years. Now, I work from home and make thousands every month. Here is a blog tutorial that will walk you through the process if you are interested in starting a blog of your own.
  • If you’re looking for clever work from home jobs have a look at these 5 easy ways to supplement your income from home. These are all legitimate work from home opportunities that can earn you up to 22$ per hour.
  • If you’re looking to scale back and trim your monthly spending here are 100 ways to save every month. We use most of these ourselves and save hundreds of dollars every year.
  • Earn up to $22 per hour by teaching English online with VIPKid. VIPKid is the #1 platform for online English teaching and they are looking to hire people with a bachelors degree and experience with kids who are looking to work flexible hours from home.
  • Get rewarded for your online activities with Swagbucks. Earn points for your online shopping, video watching and searching the web. Then, redeem those points for gift cards that you can use at major retailers.
  • Save loads of money when you travel by using Booking Buddy. Use Booking Buddy to find and book cheap flights, hotels, vacations, cruises and car rentals.

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Filed Under: Frugal Living, Money Saving Tips, Popular Around Here

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Reader Interactions

Comments

  1. Ella

    January 8, 2018 at 8:03 am

    Just what I need to read. I have failed with the envelope system after several attempts so perhaps I can try the 50-20-30 rule. Thank you for sharing these tips.

    • Jenny

      January 8, 2018 at 8:06 am

      It’s all about figuring out a system that works for you! 🙂

  2. Kate

    January 8, 2018 at 8:08 am

    Love these tips!

    • Jenny

      January 8, 2018 at 8:08 am

      Thanks for reading Kate!

  3. thesoulisanchoredbyhope

    January 8, 2018 at 8:57 am

    I’m a stay at home mom and being frugal is what I have to do because we live off of one income. No matter what we do to try to pinch pennies it just seems it’s never enough. Our local library is hosting a workshop on frugal living that I am anxious to go to as I am always looking for other ideas of what I could be doing to save money. I write a blog but am by no means experienced and haven’t even hit 40 followers. I’d love to take my passion for writing and turn it into something more but I am clueless on where to begin. Thank you for the little tid bit of information you shared on this.

    • Jenny

      January 8, 2018 at 9:08 am

      Thanks for reading! Frugal living really isn’t a one size fits all lifestyle. It’s more a question of making small changes to your own personal way of life.

  4. Honey and Fox

    January 8, 2018 at 9:20 am

    Fab advice. Cooking for ones self does cut the budget spending back a bit. Tried it out in the beginning of 2017 saw a difference. Caved the last three months of the year.
    -Honey

    • Jenny

      January 8, 2018 at 10:20 am

      Cooking is one of the biggest ways to save money! I’m sure you’ll get right back on track!

  5. lifeinthemellane

    January 8, 2018 at 4:27 pm

    You’ve written a good read! I have been using a lot of tips but you never realize how much you can save by doing some of these. Saving to travel

    • Jenny

      January 14, 2018 at 7:09 am

      Awesome! Traveling is such a wonderful reason to save!

  6. Chrissie B

    January 8, 2018 at 4:56 pm

    Call me crazy, but I’m really enjoying the frugal living life style. It feels great to know I can make do with everything I have and to see my retirement savings grow. Love your posts!

    • Jenny

      January 14, 2018 at 7:09 am

      Thanks for reading Chrissie! So glad to hear that you enjoy frugal living! <3

  7. Shirley

    January 9, 2018 at 6:42 am

    Great Tips! Sticking to a realistic budget can definitely improve your finances!

    • Jenny

      January 14, 2018 at 7:10 am

      Yup! It absolutely needs to be realistic to work!

  8. bookbuffoonery

    January 9, 2018 at 12:04 pm

    Another tip is to pick up hobbies that are relatively low cost. We enjoy reading, watching movies and shows from the library/Netflix, cross stitching, playing board and strategy games as a family, spending time at parks, etc.

    • Jenny

      January 9, 2018 at 8:41 pm

      This is a GREAT suggestion and so very true! Thanks for sharing!

  9. swbmama

    January 9, 2018 at 6:10 pm

    Having a realistic budget is SO important. My husband and I always “failed” at budgeting because we were not using a budget based around our actual life. Once we created our own budgeting system we paid off our debt and started saving. It’s the perfect first step to recommend to your readers. Thanks for the great post!

    • Jenny

      January 9, 2018 at 8:42 pm

      It really is. We failed and failed and failed when we tried to stick to a budget years ago for the simple reason that we set far too lofty goals. Once a budget is realistic it’s far easier to stay on track!

  10. John Willis

    January 14, 2018 at 11:31 am

    Really great. Thanks for the sharing!

  11. Jenny

    January 14, 2018 at 2:00 pm

    Thanks for reading John!

  12. [email protected]

    February 3, 2018 at 8:48 am

    Great tips, Jenny! It’s all about being intentional. Mapping out a plan and sticking to it! I’ve lived the frugal life my whole life and have never felt deprived. Quite the opposite! There’s something to be said about living at or below your means. It’s so much easier to sleep at night. :). Thanks for sharing!

    • Jenny

      February 5, 2018 at 8:07 pm

      Absolutely Kimberly! I was nodding my head while reading your comment. Frugality does not by consequence involve deprivation. It’s a wonderful lifestyle choice!

  13. Rawlings sunday

    February 17, 2018 at 6:25 am

    This is really a great and helpful tips to cut your expenses, live below your means and budgeting your finance in a flexible manner according to your income to become financially free. I have a post jus like this

    https://rawlingsunday.wordpress.com/2018/02/11/case-study-two-on-budgeting-strategy-70-3010-10-10/

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