Written by Andreas Jones, Financial Coach
Andreas Jones is well-known when it comes to Personal Finance and Frugal Lifestyle. He is the founder of KindaFrugal.com, an online blog and learning platform, the author of the book Financial Dignity, published in 2025, and the owner of the Well and Wealthy newsletter.
I used to think being frugal meant giving up all the fun stuff. I was so wrong. Here's the deal: it's all about enjoying life without emptying your wallet. Let’s dive into some game-changing strategies that’ll help you save money while still living your best life. Trust me, I’ve been there, and these tips have been absolute lifesavers in my journey to financial freedom.
1. Master the art of meal prepping
Listen up, foodies! Meal prepping isn’t just for fitness enthusiasts. It’s a secret weapon for your wallet too. By planning your meals ahead of time, you’ll slash your food expenses and avoid those budget-busting impulse takeouts.
Pro tip: Dedicate a few hours on Sunday to prep your meals for the week. It’s like giving your future self a high-five!
2. Embrace the ‘staycation’ mindset
Who says you need to jet off to exotic locations to have a blast? Turn your hometown into a tourist destination. Explore local attractions, parks, and hidden gems. You’ll be amazed at what you discover right in your backyard.
Fun fact: According to a 2022 survey, 65% of people found staycations just as enjoyable as traditional vacations, with the added bonus of significant cost savings.
Related article: 3 Steps to Mind The Gap And Unleash the Power Of Your Money
3. Leverage the power of cashback apps
Welcome to the 21st century, where your smartphone can literally make you money. Cashback apps are like having a savvy shopping companion in your pocket. Use them for everyday purchases and watch the savings stack up.
App suggestion: Check out apps like Rakuten or Ibotta to start earning cashback on your regular shopping trips.
4. Master the art of negotiation
Channel your inner negotiator! From cable bills to gym memberships, many services have wiggle room in their pricing. A simple phone call could save you hundreds of dollars a year.
Remember: The worst they can say is no. But more often than not, you’ll walk away with a better deal.
5. Embrace the sharing economy
Why buy when you can borrow or rent? From tools to party supplies, the sharing economy is a goldmine for saving money. Platforms like Nextdoor or local Facebook groups are great for finding what you need without the long-term commitment.
Bonus: You’ll meet your neighbors and build a stronger community. Win-win!
6. Get creative with gift-giving
Gifts don’t have to break the bank to be meaningful. Get crafty! Homemade gifts often carry more sentimental value and show you’ve put thought into the present.
Idea spark: Create a photo album, bake a favorite treat, or offer a service like babysitting or car washing.
Related article: 5 Tips to Level Up Your Finances in the New Year
7. Harness the power of the library
Libraries are the unsung heroes of frugal living. Beyond books, many offer free classes, workshops, and even museum passes. It’s like a treasure trove of free entertainment and education.
Did you know? Many libraries now offer digital lending services, giving you access to e-books and audiobooks from the comfort of your home.
8. Master the 24-hour money rule
Impulse purchases are the arch-nemesis of saving money. Implement the 24-hour rule: wait a day before making any non-essential purchase. You’ll be surprised how often that “must-have” item loses its appeal overnight.
Challenge: Try this for a month and track how much you save by avoiding impulse buys.
9. Become a discount detective
Never pay full price again! Before making a purchase, do a quick search for promo codes or discounts. Sites like RetailMeNot or Honey can be your secret weapons in finding deals.
Pro move: Sign up for email newsletters from your favorite brands. They often send exclusive discounts to subscribers.
10. Optimize your subscriptions
Subscriptions can be sneaky budget-drainers. Take a hard look at your recurring payments. Are you really using that gym membership or streaming service? If not, it’s time to cut the cord.
Tip: Use a subscription tracking app to get a clear picture of where your money is going each month.
11. Embrace second-hand shopping
Thrift stores, consignment shops, and online marketplaces are goldmines for finding quality items at a fraction of the cost. It’s not just about saving money; it’s about sustainable living too.
Fun challenge: Try a month of buying only second-hand items (excluding necessities). You might discover a new favorite shopping method!
12. Learn the art of DIY
From home repairs to beauty treatments, learning to do things yourself can save you a fortune. Plus, you’ll gain valuable skills and a sense of accomplishment.
Start small: Begin with simple projects like basic home maintenance or cooking new recipes. As your confidence grows, so will your savings!
Your journey to financial freedom starts now
Remember, saving money isn’t about deprivation; it’s about making smarter choices. By implementing these tips, you’re not just saving dollars; you’re investing in your financial future. And trust me, in the future, you will be doing a happy dance!
Start with one tip and gradually incorporate more into your life. Before you know it, you’ll be amazed at how much you’re saving without feeling like you’re missing out on life’s joys.
Now, go forth and conquer your financial goals! Your wallet (and your future self) will thank you.
It might take time, but it’s the gift that keeps on giving. Take a look at my blog for more life-changing ideas! Cheers!
Read more from Andreas Jones
Andreas Jones, Financial Coach
Andreas Jones is well-known when it comes to Personal Finance and Frugal Lifestyle. After struggling with debt and financial shame, Andreas created strategies to dramatically improve his financial well-being. He has since dedicated his life to helping others achieve financial independence while enjoying life today. He is the founder of KindaFrugal.com, the premiere blog and digital learning academy with students in 195 countries. His mission: everyone experiences Financial Dignity.
