7 Pain Free Ways to Live Frugally

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Live frugally

Frugal living might not always be the easiest or most desirable options available to us, but is not the most difficult option either.

With that being said, it is definitely possible to live frugally with a little commitment. The great thing is that many sacrifices you might make won’t even be felt in the long run.

Here are some tips that should help you live the frugal life, relatively pain free, that will help you keep more of your money instead of spending it on useless things you don’t need or might not even want.



With books and movies, you might be tempted to but the latest editions or latest flicks and satisfy your need to buy it. But instead of buying these items, you should think of renting them or even getting them for free at the library.

We used to buy quite a few movies in our day, but now it just isn’t worth buying a movie as there are many other options available to get them for free or very little cost.



Coupons are can be life savers, especially if you were going to be purchasing the item in the first place. If you’re busy like us though, you need to make sure and use said coupons prior to them expiring.

While arranging coupons, you should segregate them on the basis of stores too. Let’s understand this with the help of an example. If you are shopping at Kohl’s, you need a matching coupon for Kohl’s too. You can browse through bunch of coupons available at ChameleonJohn.

Group discounts


Group discounts work in various forms and fashions. If you’re planning an outing with a number of friends you might be able to negotiate a lower price for the entire party. Another option, and one we use often, is bundling items or products with one company so as to get a lower overall price. We do this with a number of insurance products at USAA to get us a better overall price.



Repairing, installing or building things around the house can be costly to hire out. While I’m not the most adept working with my hands, I’ve saved a big chunk of money by teaching myself to do many of these things personally. With the availability of free videos online, it only makes sense to try and DIY simple things – you’d be amazed how much cheaper it can be.

Electric bills


Cut your electricity bills by switching off lights and switches when not in use. You’d be amazed at how much money you can save by simply being a little more energy conscious. We even volunteer to have our air conditioner be set by several degrees higher at peak points in the day in order to receive a 10-15% reduction on our energy bill each summer. It doesn’t seem like much, but it all adds up.

Value for money purchases


If you are buying something for fun or because it is offered for a discounted price, you should think again. Ask yourself, “Do you really need it?” If the answer is “no”, then you can move on with the satisfaction of keeping that money in your pocket.

Wait for the right time


Wait for the right time to make your purchase. Just because an item is on sale doesn’t mean you have to purchase the item. If you didn’t have the purchase planned, that unplanned purchase will be felt somewhere.

You should time your purchase based on when it makes the most sense for you financially and the savings will work itself out.

Like mentioned in the beginning, frugal living may not be the easiest for some but it can save you a significant amount of money over time.



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I'm the founder of Frugal Rules, a Dad, husband and veteran of the financial services industry. I'm passionate about helping people learn from my mistakes so that they can enjoy the freedom that comes from living frugally. I'm also a freelance writer, and regularly contribute to GoBankingRates, Investopedia, Lending Tree and more.

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