40 Frugal living tips that actually work

Hey friend!

If you’ve been looking for simple, low-stress ways to save money without feeling deprived, this week’s YouTube episode is for you.

And if you’ve been around here a while, you know we’re not just about the “give up lattes” version of frugal living.

We’re breaking down 40 frugal living tips that actually work—from everyday tweaks to sneaky savings moves most people overlook.

👉 You can watch it here.

And, as promised, here’s a PDF download with all 40 tips:

💡 3 frugal tweaks to make this week

1. Do a 90-Day Transaction Inventory.
You’ve heard us say it before: your bank statement tells the truth. Pull up the last 3 months, circle the things you buy on repeat, and ask: does this still spark joy or is it just a habit?

Cutting one or two low-joy purchases (looking at you, random Amazon add-ons) can save you hundreds a year.

2. Price-Check Your Insurance Every 12 Months
It’s not exciting, but it works. Whether it be auto, renters, phone, pet, loyalty quietly costs you money. Set a yearly reminder to get fresh quotes. We know it’s a “sit down and adult” kind of task, but it’s a one-hour job that can free up serious cash.

3. Pack Like a Mom
Whether you have kids or not, this one’s a money-saver. Pack water, snacks, and a phone charger before you leave the house. It’s not glamorous, but it keeps you from random convenience store or vending machine purchases. A little prep goes a long way.

These 3 alone can make a real dent in your expenses, but they’re just the beginning. The full video covers 37 more ideas. Some clever, some old-school, all tested in real life.

Saving money is about making small choices that add up over time. Start with a few of our tips today and see how much difference they can make.

Talk soon,
Misti

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