53 Ways You Can Embrace Frugal Living Today

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For some of us, frugality comes naturally. But for others, frugal living conjures up images of a miserly, meager existence. No wonder so many tune out when the topic of frugality comes up!

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Frugality is the simplest, quickest way to improve your finances. When compared with increasing your income, living frugally is far easier.

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53 Ways You Can Embrace Frugal Living Today

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1. Regularly revisit recurring expenses

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2. Shop around and get new quotes

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3. Ask for loyalty discounts Instead of leaving for a competitor, try negotiating with your biller. Call and ask to speak to the retention department. Mention how long you’ve been a customer, then negotiate for a discount or get them to meet (or beat) a competitor’s rate.

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4. Pay annually (or all upfront) instead of monthly Some billers offer a discount to customers who pay their bill once a year or all upfront versus monthly. Insurance, online services, and some medical services often offer this payment option.

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5. 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.)

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6. 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.

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7. 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.

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53 Ways You Can Embrace Frugal Living Today

For some of us, frugality comes naturally. But for others, frugal living conjures up images of a miserly, meager existence. No wonder so many tune out when the topic of frugality comes up!

Frugality is the simplest, quickest way to improve your finances. When compared with increasing your income, living frugally is far easier.

53 Ways You Can Embrace Frugal Living Today

1. Regularly revisit recurring expenses

Revisit your recurring expenses to see if you can reduce, cut or optimize them. For example: do you still read that magazine? Could you get away with less mobile data? Revisit your expenses annually (at minimum) plus anytime your needs or life situation changes.

2. Shop around and get new quotes

Every year or so, shop around and get two to three new quotes on your recurring expenses. Switching to a competitor or taking advantage of promotions could save you hundreds.

3. Ask for loyalty discounts Instead of leaving for a competitor, try negotiating with your biller. Call and ask to speak to the retention department. Mention how long you’ve been a customer, then negotiate for a discount or get them to meet (or beat) a competitor’s rate.

4. Pay annually (or all upfront) instead of monthly Some billers offer a discount to customers who pay their bill once a year or all upfront versus monthly. Insurance, online services, and some medical services often offer this payment option.

5. 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.)

6. 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.

7. 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.

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