Ways You Can Embrace Frugal Living Today

I hope this post inspired you to embrace frugal living. When you live frugally, you’ll save money and time and lighten your footprint on the Earth.

In no particular order, here are my 53 favorite frugal living tips to help you save money and spend less. (And maybe even reach FIRE (financial independence, retire early!).

Pay with a credit card

Maximize your spending by paying with a rewards credit card. Even better—use a card that offers higher-earning categories. (For example, groceries, gas, restaurants.).


Pay in cash instead of with a credit card

Often, smaller businesses will offer a discount if you pay in cash or with your debit card. (This tip goes against my previous tip.


Register for refer-a-friend programs

Many billers and banks offer refer-a-friend programs where you and/or your referred friend receive a bonus.


Skip extended warranties

Resist the alluring sales pitches to buy extended warranties. They’re rarely worth it.


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