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A Frugal Mom’s 25 Favorite Easy Ways to Save Money

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Need easy ways to save that actually work? I’m a thrifty mom of 4 and these are my favorite frugal ways to save money! And they can help you trim your budget too.
frugal ways to save money

This post has been sponsored by Inside Rx. All thoughts and opinions are my own.  There also are affiliate links in this post. If you use these links, I may earn a commission- please read my full disclosure policy.

I think it’s safe to say that I got my love of saving money from my Dad.  He is a great storyteller and my kids are always begging him to tell them about when he was younger.  He does a great job of including lots of little details that make it easy to imagine what things were like back then and it’s always fun to get a peek into that era.

One of the things that comes through so often in his stories, without him even meaning it to, is how mindful he was of saving money and living frugally.  And I just have to smile.  Because many times the way he talks about things is how I would think about it too!

Without even trying it, I tend to look at life through the lens of frugality.  But I know most people aren’t that way.

And because there are so many ways that you can save and cut your expenses, if you aren’t a natural at saving money, it quickly can feel overwhelming!  And I can totally understand why.

Which is why I wanted to share my favorite easy frugal ways to save money with you.  I tried to think of things that are relatively simple to do but that will make a significant impact on your budget.

RELATED: 10+ Easily Doable Side Hustle Ideas that Will Make You $500/Mo.

I’m a busy mom, after all, so I get it.  Most of the time if it isn’t simple, I won’t do it! 

So I wanted these frugal money-saving tips to be easily doable, allowing you to feel the success of cutting your expenses without taking a lot of time to do it.

One word of caution though if you happen to be new to thinking about how to live frugally and save money.  I recommend that you choose just two or three of these money-saving tips to focus on instead of trying to take on all twenty-five.

You want to make it easy to succeed, not set yourself up for failure!  Once you get those 2 to 3 in place, try doing a few more things.

Little by little you’ll see the savings increase!

BEST FRUGAL WAYS TO SAVE MONEY 

EASY WAYS TO SAVE  MONEY ON GROCERIES

Use money-saving grocery apps
Grocery apps are such an easy way to save a little extra on your groceries!  And one of my favorite things is that they often have savings offers that are good on any brand of a product such as milk, bread, fruit, diapers and more.

Here are my favorites:

  • Ibotta
    – Often has offers for any brand of a product such as $0.25 on any bread. Also occasionally there are offers to get a product totally free!
  • Checkout 51 (sign up and get $2 when you redeem your first offer!)
  • Saving Star
  • Fetch Rewards (use referral code GE0EG to get 2,000 free points!)
    – This one is the absolute easiest to use…you just scan your receipt and that’s it- they will figure out if you bought qualifying items.  I’ve only used it for a couple of weeks and I already have earned $9 in Amazon gift cards!
  •  Shopkick (use promo code THRIFTY5 at sign up to get an extra 3000 point)
    – This one isn’t really a grocery app per se, but I like to use it when I’m at the grocery store to earn points (or kicks as they call them) that I can redeem for gift cards.  It only takes a couple of extra minutes and if I’m not pushed for time it’s worth it for me!

Buy produce on sale or in season
It’s no secret that produce is one of those things that can quickly rack up your grocery bill!

Instead of grabbing whatever catches your eye, stop and look to see what’s on sale and buy that instead.  Even just figuring out what fruits and vegetables are in season and then shopping those is often helpful since they will most likely be less expensive.

how to live frugally and save money

Buy generic
Unless I have a coupon for a brand name item and can get it cheaper, I pretty much always buy the generic version.  Most of the time I can’t tell much of a difference in quality anyway.

And I highly recommend shopping at Aldi if you have one in your area!  They are inexpensive and even have a money-back guarantee on their products (all of which are generic brand), so if for some reason you try something and really don’t like it, you have nothing to lose!

Go meatless at least once a week
Since meat is so expensive, choosing to go meatless at least once a week is a super easy way to save! 

Need recipe ideas?  Check out these 30 easy meatless meal ideas.

Buy meat in bulk
When you do buy meat, it’s almost always cheaper to buy it in bulk!  At a grocery store, look for family size packs which are typically at least 5 lbs. in weight, but are priced less per pound than the smaller packages.

If you don’t think you’ll use it all within a couple of days, package the remaining portion in a freezer bag and save for another meal later!

Make your own convenience foods
This is such an easy way to save money and be healthier!  A few of my favorite convenience foods to make are: Homemade Bisquick Mix, Homemade Cream Soup Mix, Homemade Salad Dressing, Easy Healthier Alfredo Sauce and Homemade Chocolate Syrup.

RELATED: 35 Foods to Make from Scratch and Stop Buying

Stop eating out
View eating out as a special privilege that only happens at most a couple of times a month.  Instead, start cooking your own meals.

Even if you cheat and buy a few frozen pizzas here and there, you’ll still be spending less than you would if you went out to eat!

Need some easy meal ideas?  Check out my $225 a Month Menu Plans!

RELATED:  Struggling to make cooking at home work for you? Click here to get a FREE 14 day trial of eMeals!  eMeals is a great way to help meals at home feel doable!  They provide you with all of the recipes that you need as well as your shopping lists, which saves you time and makes eating at home super easy. 

Pack your lunches
Even if you spend $7 a day on lunch just 3 days a week, that ends up being an expense of over $1,000 a year!  Wow!

Packing your own lunch is obviously a great thing to do if you want to live frugally and save money.

Stop throwing away food
Most Americans throw out over $1,000 worth of food annually!  Thankfully, there are lots of easy things you can do to reduce your food waste.

And I love this list of practical uses for 8 foods that you very likely are throwing out!  Such a simple way to save.

EASY FRUGAL WAYS TO SAVE ON HOUSEHOLD EXPENSES

Stop using paper towels
I know.  They’re so handy to grab but they aren’t exactly the cheapest thing around, especially considering the fact that you throw them out once you use them! 

Switch to using rags instead.  Cut up old towels, t-shirts and sheets into whatever size you like and you have handy washable rags!

frugal money saving tips

Stretch your hand soap
And no, I’m not meaning that you should skip washing your hands.  Yuck!

I’m talking about making your own foaming soap.  It’s super easy and it will make one small bottle of regular soap last at least 4 times as long!  One of my favorite frugal mom tips!

Use homemade cleaners
I love using my homemade bathroom cleaner– it’s super effective and way less expensive!

I also use a lot of vinegar and water for cleaning.  You can’t get much cheaper than that!

Watch detergent amounts and wash only full loads
According to the American Cleaning Institute, many people use twice the amount of laundry detergent than required.  Not only that, it’s common for people to also use the same amount of laundry detergent no matter what size load they wash.

Making sure that you use the correct amount of laundry detergent per load is a simple way to save money!

And I also recommend doing full loads as much as possible.  Not only will it save you electricity, if you pay for water, you’ll also save quite a few gallons too in the long run by doing only full loads!

Hang out your laundry
Dryers are one of the biggest energy hogs in your house.  We use our drying racks a lot and we also love our retractable clothesline!  It’s perfect for city living!

Switch your razors
Love quality razors but hate the high cost?  Switch to Dollar Shave Club and enjoy the best of both worlds!

Their cheapest razors cost just $6 for four replaceable razor cartridges!  Check out Dollar Shave Club here.

Change light bulbs
We switched to nearly all CFL light bulbs about a year ago and were amazed at how much it lowered our electric bill!

We easily saved at least $15 a month.  And while they do cost a bit more upfront, the savings definitely makes them worth it!

FRUGAL IDEAS TO SAVE MONEY ON MISCELLANEOUS EXPENSESfrugal ideas to save money

Reduce Prescription Costs
Are you uninsured?  Do you have a high deductible insurance plan?  Or maybe you need to take medication that isn’t covered by your insurance? As a former longtime pharmacy technician, I know just how expensive prescription medications can be!

Downloading a free prescription savings card from InsideRx.com may save you money. It offers discounts averaging 78% on generic medications and 37% on select brand medications and can be used at more than 50,000 participating pharmacies.

They even have savings on select pet medications (human medicines commonly prescribed for pets) through their Inside Rx Pets card.

*Inside Rx is not insurance. Use is subject to eligibility restrictions and other terms and conditions at www.InsideRx.com.

Use the library
Unless it’s a book that you know you really want to own, stop buying books and borrow them from your library instead! 

I also just discovered Hoopla.  It’s a great way to borrow ebooks, audiobooks and movies from your local library, but from the convenience of your home.  So handy!

Swap the hotel
When we travel, we love using Airbnb for our accommodations.  Not only is it often cheaper, but it’s also a lot more personal and we can usually find a place that has a kitchen or kitchenette too, which allows us to save money on food by making some of our own meals.

We’ve used Airbnb both in the U.S. and also in Europe.  In fact, it was one of the big ways that we saved money on our family trip to Oxford, England last summer!

Sign up here for an Airbnb account and you’ll get a $40 travel credit.  How’s that for helping you save money?  ๐Ÿ™‚

Save on Gas
Ride your bike or walk when possible.  If you are using your car, combine errands to save on gas.  If you are heading to an appointment or the grocery store, think what other stops you could make while heading in that direction.  It’s amazing how those little changes can add up to big savings!

Switch to a cheaper cell phone provider
Chances are you are spending way more on your phone bill than you’d need to.  There are lots of great inexpensive options available that could easily save you $100 a month!

We’ve been using Ting for cheap cellphone service for the last 5 years now and we don’t spend more than $35 a month for my husband and I total.  Yes, total.  It’s awesome!

Swap babysitting
If you’re like most parents, one of the big things that makes it hard to go on dates is finding a babysitter or being able to afford the cost of one.

An easy solution is to find another family that you trust and swap babysitting with them.  This has been a big lifesaver, or maybe I should say marriage saver, for us!

RELATED: 20 Cheap Date Ideas that You’ll Love

frugal tips to save money

Skip the bought coffee and coffee drinks
Obviously, regular coffee is easy to brew at home, but did you know that you can also easily make your own frappes too?  A quick search on Pinterest will help you discover lots of easy to make homemade lattes as well.

Drink more water
Not only will you be healthier, but you’ll also save big bucks if you skip the beverages both at home and when you go out to eat.

Get cashback when shopping online
If you’re going to shop online anyway, why not save in every way you can?

When I shop online, I love earning cashback with Rakuten!  I’ve been using Rakuten since 2008 and earn an average of 5% cashback on almost all of my online purchases!  It’s such a simple way to save money.

Interested in saving money with Rakuten too?  Get $20 automatically if you create a Rakuten account through my link!

Eat out for less
When you do decide to eat out, watch for coupons that you can use to save on your bill.

Another great option is to join restaurant fan clubs (links can usually be found on their website) to receive money-saving offers.  If you have children, learn which restaurants allow kids to eat free or for half price and dine at those places.

For chain restaurants, we also love saving by buying discounted gift cards from Raise.com and then using them to pay for our meal.

If you create an account at Raise.com through this link, you’ll also get $5 to use toward your first purchase as long as the transaction is within 30 days of signing up!

Buy greeting cards at Dollar Tree
I’ve been buying almost all of my greeting cards at Dollar Tree for years.  You really can’t beat two cards for $1.00!  That’s easily less than half of what you’d pay anywhere else.

Along the same line, I also like to buy gift bags and wrap there as well.

RELATED: What to Buy at Dollar Tree: My 35 Frugal Favorites

Shop Discount First
I don’t have time these days to go out and do a lot of shopping, but when I do, I usually first check places like Marshall’s, Ross and Burlington for the items that I need since they consistently have good prices!

Use Daily Deal Sites
Daily deal sites are a great option for saving money if you like to shop online!  And there are loads of different daily deal sites anymore, so you’re sure to find a site that works for you.

Some of my favorites are Groupon (savings on experiences and restaurants), Groopdealz (home decor, baby & kids and a little clothing too), Zulily (clothing, home decor, household items, toys and more) and One Kings Lane (great for home decor and kitchen items).

The only downside of these sites is that the deals are usually for a limited time, so you need to check the sites frequently to find good deals.

Or you can do like I do and just occasionally pop in to see what they have to offer.  Sure, you might miss some great buys, but you can still benefit without investing quite as much time.

Other money saving posts that you’ll enjoy:

  • 10 Things that Helped Us Pay Off our $90,000 Mortgage in 5 Years
  • 10 Simple Expenses to Cut and Stop Wasting Money On
  • 10 Things to Buy to Save Money in the Long Run
  • Simple Side Hustles that Earn $500 a Month
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Filed Under: Frugality, Money Saving Tips

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Comments

  1. christine says

    December 18, 2017 at 11:21 AM

    These are great money savers. I especially love my money saving/rebate apps. I only recently found Shopkick but it has quickly become my fave!

    Reply
    • ThriftyFrugalMom says

      December 18, 2017 at 10:57 PM

      Isn’t Shopkick great? I always feel a little like a detective looking for the things to scan. ๐Ÿ™‚

      Reply
  2. Super Mom - No Cape! says

    December 18, 2017 at 12:06 PM

    This is an awesome list! One thing I do to save money is to buy items that we use all the time in bulk. Spices for instance, I can get a little or a lot (depending what I need) at the bulk food store and refill the spice bottles I have.

    Reply
    • ThriftyFrugalMom says

      December 18, 2017 at 10:57 PM

      Yes! So glad that you mentioned that- buying in bulk is such a great way to save! I’m a fan of buying spices in bulk too. Since I do a lot of from scratch cooking and baking we use kind of a crazy amount of spices and herbs and it just makes sense to buy them in larger amounts most of the time!

      Reply
  3. Emily says

    December 18, 2017 at 9:29 PM

    These are all great tips! I have not tried any grocery savings apps but want to give it a try. We have changed out our light bulbs, do full loads of laundry and even got rid of paper towels already. We started a while ago to try to limit our waste and it is nice that these are also money savings ideas as well!

    Reply
    • ThriftyFrugalMom says

      December 18, 2017 at 10:54 PM

      Sounds like you already are saving a lot! And yes, the grocery saving apps can be a great money saver, especially depending where you shop and what you buy. I’d definitely recommend checking them out to see if they’ll work well for you.

      Reply
  4. Kim says

    December 19, 2017 at 4:03 PM

    What a great ideas! I can’t wait to start implementing a few of these tips!

    Reply
  5. Rhonda Collins says

    December 20, 2017 at 5:45 PM

    I second-hand shop all the time. I use Freecycle all the time and created Toy-cycle.org to connect families in local groups to exchange free used toys and games.

    Reply
    • ThriftyFrugalMom says

      December 21, 2017 at 9:46 AM

      Ah, yes, Freecycle! I used to use them a lot when we had two vehicles and I was able to get out more easily. And I love the Toycycle concept. Such a great idea!

      Reply
  6. Judy Miller says

    December 22, 2017 at 10:44 PM

    Love your tips. I must tell you one funny story. We tried to teach our children to take care of themselves regardless of gender. That meant our sons learned basic housekeeping skills and our daughters learned basic mechanical and trade skills.
    We were moving to a smaller home when our youngest child (son) was a senior in high school. As we cleaned out closets, I found several pairs of jeans several sizes too small. I asked him why these had not been sent to Goodwill. He replied, “Mom, these are my washer jeans.” “Washer jeans? What is that?” I asked. Reply, “You told us to always do only full loads of laundry. Is I only need to wash one item I add these to make a full load..”. Obviously, I had not explained things very well!

    Reply
    • ThriftyFrugalMom says

      December 22, 2017 at 11:59 PM

      Oh my goodness. That is too funny! Thanks for the laugh. Kind of defeated the purpose of cost saving, maybe? ๐Ÿ˜‰

      And as a side note, I love that you had your kids learn all of those things. We have our son doing housekeeping skills but I hadn’t thought about having our girls learn mechanical and trade skills. That’s such a great idea!

      Reply
  7. Agnes says

    December 30, 2017 at 6:52 PM

    Great money saving tips. I have 3 little ones and they grow fast. I love buying clothes online at Old Navy. Many times they have additional discounts on clearance items and a regularly $300 tally can turn into $75. Best to shop right after holidays when they still have inventory but want to make room for new seasonal items.
    Also seasonal items at Walmart get discounted best are compo packs of Febreeze since cranberry scent can be purchased for less than 50% or one regula bottle.

    Reply
    • ThriftyFrugalMom says

      April 13, 2018 at 10:40 PM

      Great tips, Agnes! Thanks so much for sharing them!

      Reply
  8. Anders says

    February 19, 2018 at 5:55 PM

    Hi Lydia!

    Thank you for this great list. There are so many good suggestions on this list.

    In our family, we stopped using paper towels and replaced them with ordinary towels (we bought cheap guest towels at an outlet). I’ve not done the math on how much we’re saving on it yet, but it’s quite a bit of money per year.

    Today, we actually bought handkerchiefs for those runny noses. I know it might seem old school and a bit yucky to some, but hey, it saves money and the environment. That’s simply win-win.

    Thanks again for the post, Lydia!

    Reply
    • ThriftyFrugalMom says

      February 20, 2018 at 12:17 PM

      Oh, those are great tips that I hadn’t thought to include! We use rags instead of paper towels 99% of the time and it does save SO much money. I can’t quite bring myself to switch to handkerchiefs though. ๐Ÿ™‚

      Reply
  9. D.G. says

    January 18, 2020 at 12:39 AM

    You have great ideas. One note about CFLs, for people like myself with lupus, these are harmful. It is unfiltered UV and people like myself can actually get burns from them. For me I get dizzy and disoriented under fluorescent lights. LED lights are better for some people.
    Otherwise this all looks great. Thanks.

    Reply
    • ThriftyFrugalMom says

      January 20, 2020 at 7:30 PM

      That is so interesting! I had no idea that CFL’s did that. So good to know! Thanks for mentioning it.

      Reply
  10. Charlotte Boehms says

    May 19, 2020 at 7:52 AM

    I learned my frugal ways from my dad as well. It is interesting to see how families see being frugal differently while some never even consider it. Great list!

    Reply
    • Lydia Beiler says

      May 27, 2020 at 6:24 AM

      Yay for frugal dads! ๐Ÿ™‚ And yes, I’m intrigued too by the different ways that families view these things. I also find it interesting to observe how people in the same family can even approach frugality in very opposite ways. I’d love to know what all contributes to that…but likely it will never be quite known, I suppose. Thanks for taking the time to comment!

      Reply
  11. Charlotte Boehms says

    June 16, 2020 at 9:26 AM

    These are great ideas. I wish more people would do some of these. Not only are many great for our wallet, but also great for the environment. I love how easy many of these are as well.

    Reply
    • Lydia Beiler says

      June 16, 2020 at 11:09 PM

      Thanks, Charlotte! And yes, you are right. So many of them are money saving and green both- a double win!

      Reply

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Welcome! I’m Lydia. I love to share easy homemade recipes, simple homemaking tips and great money saving ideas. I want to help you find ways to live well and enjoy life on a budget! Read more…

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