20 Frugal Habits to Make Your Money Go Further

Looking to cut costs without cutting out everything you enjoy? Living frugally doesn’t mean going without — it means making smarter choices with the money you do have. With a few simple habits, you can reduce expenses, boost your savings, and make every dollar count. 

1. Create a budget 

A budget helps you track your income and expenses so you can avoid overspending, stay on top of bills, and plan ahead. Budgeting is also a must if you want to set aside money for savings, an emergency fund, or retirement. 

2. Pay down debt 

Paying down debt is a powerful step toward financial peace of mind. Not only does it free up more of your income each month, but it can also reduce stress and help you stay on track with your financial goals. Plus, the more you pay down your debt, the more you’ll have left for savings and discretionary spending. 

3. Cook more meals at home 

According to the U.S. Bureau of Labor Statistics, the average American spends over $300 each month on food away from home. Cooking at home even a few times a week can save you money and give you more control over your grocery budget. It’s also a chance to try new recipes or prep meals in advance. 

4. Shop in-store rather than online 

Online shopping makes it easy to spend without thinking, especially when your payment info is saved and everything’s just a click away. Without the pause of handing over cash or seeing a total in real time, it’s easy to overspend on things you don’t really need. 

When possible, try shopping in-store. You’ll be more likely to stick to your list, compare prices, and avoid impulse buys, helping you stay on budget and save more in the long run. 

5. Get creative with your date nights 

Treating yourself (and your significant other) is important, but frequent nights out can take a toll on your wallet. 

Instead of splurging on dinners or entertainment, try low-cost or free ideas like cooking a new recipe together, having a movie night, or exploring local events. 

6. Cancel unused subscriptions 

The average person spends nearly $300 each month on subscriptions — and many don’t even realize it! From streaming services to fitness apps, those small charges can add up quickly. 

Take a few minutes to review your monthly subscriptions and cancel anything you’re not using. 

7. Save on utilities 

If you grew up like I did, you probably still hear your dad’s voice in your head reminding you to turn off the lights or lower the thermostat. I used to think he was just being over-the-top — until I started paying my own electric bill. 

Turns out, he was onto something. You can save a surprising amount each year by making a few small changes around the house. 

Try these simple tips to cut down on energy costs: 

• Unplug devices and appliances when they’re not in use
• Turn off water to fixtures you don’t use regularly
• Use ceiling or box fans instead of running the AC nonstop
• Explore long-term options like solar panels (if it fits your budget) 

8. Put money into savings first 

Saving shouldn’t be an afterthought. Try setting aside a portion of each paycheck — even just 10% to 20% — as soon as it hits your account. When you save first, you’re less likely to spend that money on things you don’t need and more likely to hit your financial goals. 

Think of it as paying yourself first. Future you will thank you. 

9. Wait 24 hours before big purchases 

Impulse buys add up fast — and they often lead to regret. If you’re thinking about making a big purchase, give yourself a day to think it over. Waiting 24 hours can help you decide if it’s something you really need or just something you want in the moment. 

More often than not, you’ll find the urge passes (and your budget stays intact). 

➢RELATED: Needs vs. Wants

10. Shop for secondhand goods 

Buying secondhand isn’t about settling — it’s about spending smarter. Thrift stores, consignment shops, and online marketplaces often have high-quality items at a fraction of the price. From clothes and furniture to kitchenware and kids’ toys, secondhand finds can help you save without sacrificing quality. 

11. Invest in preventative maintenance 

Spending a little now can save you a lot later. Preventative maintenance helps you avoid costly repairs on things like cars, appliances, and even your health. 

Here are a few smart ways to stay ahead of big expenses: 

• Regular oil changes and vehicle checkups
• Furnace and air conditioning tune-ups
• Annual physicals and health screenings
• Routine dental cleanings
• Roof and home inspections 

A little upkeep goes a long way, and it can save you from bigger bills down the road. 

12. Make your own coffee 

The daily coffee run adds up faster than you think. At around $5 a cup, one drink a day could cost you $150 per month. That’s $1,800 a year! 

Making coffee at home is a simple way to cut costs without giving up your morning pick-me-up. Invest in high-quality beans or grounds, and you’ll still enjoy your favorite brew for a lot less. 

13. Use free apps and services 

Cutting out entertainment altogether isn’t realistic — but cutting costs? Totally doable. 

Luckily, there are plenty of free apps and streaming services that let you stay entertained without breaking your budget. 

• Hoopla is a free app that connects to your local library. You can stream books, audiobooks, and podcasts at no cost, right from your phone, laptop, or tablet.
• Spotify, along with services like Pandora and Apple Music, offer free music streaming with occasional ads. It’s a small price to pay if you want to save money.
• Tubi and similar video streaming apps let you watch movies and TV shows for free. You’ll see a few ads, but hey — no-cost entertainment! 

14. Be okay with renting 

Homeownership isn’t the only path to financial stability — and for many, it’s not the most affordable one right now. While owning a home helps you build equity over time, the upfront costs and ongoing expenses can be overwhelming. Renting may be the smarter choice if you’re not ready for a down payment, want more flexibility, or need to keep your monthly costs manageable. It’s not “throwing money away,” as some would argue — it’s about doing what makes the most sense for your budget and lifestyle right now. 

15. Change your workout habits 

Staying active doesn’t have to mean paying for an expensive gym membership. While gyms offer great amenities and a sense of community, they can cost anywhere from $50 to $200 a month, which adds up fast. 

Consider free or low-cost alternatives like working out at home, going for walks or runs, or using secondhand weights or gear. If you love the social side of fitness, look for local walking groups, biking clubs, or free community classes. 

16. Adopt rather than buy a pet 

Adopting a dog or cat from a shelter isn’t free, but it’s often much more affordable than buying from a breeder. Plus, you’re giving an animal a second chance, especially if the shelter is overcrowded or underfunded. 

You’ll save money and give a furry friend a loving home. That’s a win-win! 

17. Cut back on costly habits 

Some everyday habits can quietly drain your budget. Whether it’s an extra drink at dinner or daily impulse buys at the gas station, small choices add up over time. 

Here are a few things to watch for: 

• Smoking or vaping
• Alcohol
• Overspending on snacks and drinks
• Daily takeout
• Frequent food deliveries 

18. Get into DIY 

Whether it’s assembling furniture, mowing the lawn, or fixing something around the house, doing it yourself can save you serious money over time. You don’t have to be a pro — just be willing to learn. 

DIY projects can also be fun and rewarding. Try learning a new skill like sewing, gardening, or making simple home repairs. Find something you enjoy, and it could help you save (or even earn) money in the long run. 

19. Do price comparisons 

When you’re excited to buy something, it’s tempting to grab it from the first place you find. But a quick price check could save you more than you think. 

Take a minute to compare prices online or use an app to find the best deal. Whether it’s groceries, electronics, or household items, a little research can lead to big savings. 

20. Use credit cards wisely 

Some credit cards offer sign-up bonuses, cashback rewards, or travel perks that can help you stretch your budget — if used responsibly. By choosing the right card and paying off your balance each month, you may be able to take advantage of rewards without taking on debt. 

Here’s how to approach it carefully: 

1. Compare rewards programs and look for cards with no or low annual fees.
2. Use the card for planned expenses like groceries or gas, not impulse buys.
3. Pay your balance in full each month to avoid added interest. 

While it’s possible to earn hundreds of dollars in rewards each year, it’s important to avoid overspending, opening too many accounts, or canceling your oldest cards — all of which could impact your credit score. 

Final thoughts 

Living frugally doesn’t mean going without; it’s about making smarter choices that give you more financial freedom. By finding the tips that work for you and putting them into practice, you can cut back on costs, grow your savings, and enjoy more of what matters most.