My 27 Ways to Save Money


If you start following the suggestions on this list and start saving money, it’ll bring you very little joy unless you have a plan for the money you’re saving. In fact, it’ll likely feel like torture. So let’s start with making your plan. Let me ask you a few questions.

  1. What would you be doing with your life if money was no object? Where would you work, live? How would you contribute to making the world a better place?
  2. What would happen to your family/your life if your main source of income was suddenly stripped away via a job layoff or some other incident? Would you have enough to pay the bills? Would you be able to stay in your house?

Dreams and fear are the two biggest motivators most of us have, and we’re going to use those motivators to help you direct the money you’ll save with the tips in this post. Based on your answers to the above questions, I want you to list three to five financial goals that would help you calm the fears and achieve your dreams. I’ll give you an example of what we wrote when we first started on our financial freedom journey.

Our Financial Goals

  1. Pay off all consumer debt
  2. Pay off the mortgage
  3. Have “X” amount of dollars in retirement accounts
  4. Have “X” amount of dollars in an emergency fund
  5. Have “X” amount of dollars in non-retirement investments

Now it’s time to make your own list of goals.


Done? Good. But you’re not finished net. Most goals fail. You should know that right off the bat. Goals that have the highest chance of being achieved are S.M.A.R.T. goals. SpecificMeasurable. Action-Oriented. Realistic. Time-Based. 

After you’ve written down your goals I want you to assign time-based, action-oriented plans to get them achieved. Now goal number one looks like this:

1. Pay off all $10,000 of consumer debt in less than 24 months by using the money saving tips below. 

You might be wondering why I keep talking about financial goals and don’t just get to the good stuff about how to save money. The reason is because when people don’t have a plan for the money they save, that extra cash often ends up just being flushed away on other things. New electronics. Cars. Vacations. Restaurants. That cool new Coach purse you’ve been wanting but couldn’t afford.

But if you are willing to do the work of taking some time to figure out what you really and truly want from your money and your life, you’ll use the money you save by following the tips below to put toward your biggest dreams. And that will take all the drudgery out of the work and “sacrifice” of saving money. I put that in quotes because when you’re using your money to reach your dreams, it’s really not a sacrifice at all; it’s pure joy. 🙂

It’s pure joy to watch your debt take a nosedive and your savings account grow to levels you never thought were possible. When you use your money to achieve your dreams, the things you once thought mattered no longer mean much.

For instance, in our family we used to LOVE, LOVE, LOVE going out to eat. We went out to eat a good 4-8 times a month. For a family of six, you’re talking a minimum of $250 a month on eating out.

But when we sat down and dared to dream, we found out that eating out was far, far down on our list of what really mattered to us. As such, we haven’t spent money on a restaurant since…..Wait. Let me check the spreadsheet….since May! It’s been nearly five months since we ate at a sit down restaurant on our own dime.

And you know what? We don’t miss it a bit. 

The kids don’t even complain! Why? Because we’ve found joy in identifying and achieving our dreams, and even our kids find more pleasure in us using our money for things that really, truly matter to us. This is a mindset shift I believe has to occur in order to win with money.

Recommended Reading: A story about a girl who paid off over $500k in debt by changing the way she thinks: Money Love

So, now that you’ve identified your goals and made a measurable plan for achieving them, let’s talk about how you can save money to put toward those goals.


I’m starting with groceries because this was our biggest money suck before we started budgeting and spend-tracking. You might be saying, “Wait. You didn’t say anything about budgeting and spend-tracking. That’s too hard! Do I have to do that?”

Yes, yes you do have to budget and spend-track. At least until you’ve got a full and disciplined handle on what you spend each month. Why? Because budgeting and spend-tracking will help you to identify hidden leaks in your spending and plug up the holes.

Most people have very little idea about what they spend on food each month. In our case, I thought we were spending $600 on food each month. When I went back and checked the numbers, it turned out that we were actually spending $900 a month on food. No wonder we were in debt!

With the tips listed below, our family was able to cut our grocery budget in half. We know feed our family of six for roughly $400-$450 a month, or $75 per month per person. Here’s how we do it.

1. We Menu Plan Every Month

Each month (you can do it weekly if that works better for you) we sit down and figure out our dinner meals for the month. We then search the pantry to see what we have on hand, and anything we need to make the meals gets put on the grocery list if it’s not already in the pantry. Our goal with dinner meals is to make sure we stick to an average of $5 per dinner. For lunches and breakfasts we have a rotating menu that takes very little work on my part and costs $1-$3 per meal. Some ideas? Oatmeal, eggs, bagels and fruit/nuts.

Menu planning helps you avoid random trips to the grocery store and to the local take-out place because there’s “nothing in the house.”

2. We Know What Things Cost and Take Advantage of Sales

Knowing your prices is also key to saving money on food. Knowing regular prices on the things you buy every month helps you to identify a good sale and stock up on that sale. I work to memorize the regular prices of the main things we buy, but many people use a spreadsheet and bring it to the grocery store.

3. We Stick to the List and Keep Processed Foods to a Minimum

The only time we really buy pop, chips and other processed snacks is for special occasions such as parties, social events or special in-house events such as an occasional movie night. Otherwise our snacks consist of nuts, fruits, veggies and the like. Milk, water and 100% fruit juice are our main drinks.

4. We Buy in Bulk When it Makes Sense

Buying in bulk doesn’t always make sense. Bulk prices aren’t always the cheapest and you can waste a LOT of money at warehouse stores if you’re not careful. It’s important when utilizing warehouse stores that you buy what you know you’ll use and check the prices to make sure they’re really money savers. Some of the things we buy in bulk regularly are:

  • Spices
  • Block Cheese
  • Butter
  • Frozen organic veggies
  • Coffee
  • Organic sugar and flour

Again, if you know your prices and keep focused on buying foods that you really need it’ll be easy to spot when a bulk purchase is a good deal and when it’s not.

5. Eat Your Leftovers

The average family wastes up to forty percent of the food they buy. Forty percent!!!  In our case that would be like throwing $160 in the garbage each and every month! But we don’t waste our food –  we almost always eat our leftovers. We eat leftovers for breakfast and lunch, and when we have a fridge full of leftovers we have leftover night for dinner. We also double-dip on our meals as a way to save money.

6. Brown Bag it to Work

Rick brown bags it for work almost every day. We spend $2 or so on his meals, which is LOTS cheaper than the $5-$10 he’d spend at the corporate cafeteria. We save even more when he takes leftovers to work. 🙂

7. Be Okay With Some Cheap Dinner Nights

Sometimes we plan air-popped popcorn nights for dinner. Or potatoes and veggies. Or fried potatoes and eggs. Or Chipotle Rice. It’s perfectly okay to have some seriously cheap dinners once in a while.



There are SO many ways to save money at home. People often write off household expenditures as a necessity, but many household expenditures can be reduced or eliminated. Here are some ideas.

8. Cut the Freakin’ Cord

Yes. Get rid of satellite/cable. It’s been four years since we’ve been without cable TV and we don’t miss it a bit. We pay $10.73 for Netflix, saving us $40 a month from our previous cable package bill. I’ll bet if you sat down and took a hard look at what you watched with the cord anyway that most of it really doesn’t interest you as much as you think it does.

For you die-hard sports fans, look at Sling TV as an option to expensive cable or satellite packages.

9. Get Rid of Expensive Cellular Phone Service

Cell phones do NOT have to cost hundreds of dollars per month. I pay Just $15 a month for each of our family members’ cell phones through Republic Wireless.

There are many, many options out there that can save you money but still provide GREAT cell phone service. In the case of Republic Wireless, they offer customized data plans that will fit your needs AND they refund your money for any unused data. Don’t pay more than you should for cell phone service – your dreams are at stake here!

10. DIY Home Repair

Our family has saved thousands upon thousands of dollars by learning how to DIY when it comes to home repair. YouTube and various DIY websites can show you how to do just about any home repair job you can think of with your own two hands. Rick has replaced floors, made minor electric and plumbing repairs and done entire room remodels all by watching You Tube and reading DIY home repair sites.

The Complete Do-it-Yourself Manual Newly Updated

11. Be Careful About Energy Consumption

This is an area where it’s super easy to waste money if you’re not careful. Here are some ways you can cut down on home energy consumption.

  • Watch the lights. Don’t have them on if you don’t need to.
  • Turn your thermostat down two degrees in the winter or up two degrees in the summer. Or more if you can handle it. We’ve got friends that keep their thermostat set at 58 degrees during the winter. We think they’re crazy. They’re also rich.
  • Be mindful about water consumption. Turn the water down when you’re cleaning dishes. Turn it off when you’re brushing your teeth. Fill the bathtub just a little bit lower. Make showers just a little bit shorter.
  • Use LED light bulbs.


12. Get Rid of the Car Payment

The average new car payment these days is $482. Do you have any idea how fast you could reach your dreams with an extra $482 a month? If you’ve got spendy car payments, sell the fancy car and get a quality used car that you can pay for in cash. It might take some looking but you can do it. When shopping, be sure to put aside $1,000 or so for any repairs that might need to be done. So, if you’ve got $5k in cash saved for your quality used car, look to spend about $4k and save the other grand for any needed repairs.

13. Use Public Transportation When it Makes Sense

Public transportation might not work for every situation but if it works for you to bike, walk or take the bus to work, stores etc., consider doing that in order to save money on car maintenance and insurance costs. If you drive under a certain amount of miles each year your auto insurance policy can cost less.

14. Shop Around for Insurance

We saved over 30 percent on our insurance bill when we switched to Geico. I highly recommend shopping around for auto, life and homeowners insurance.


Health, wellness and beauty can cost BIG bucks if you’re not careful. Here are some ideas on how to keep costs to a minimum.

15. Eat Well

Choose a diet that consists of primarily whole foods (foods the way God made them) and forego the processed junk food in order to help your body heal and stay healthy.

16. Exercise – Without a Gym

We dumped our gym membership when we moved to the country four years ago and haven’t looked back. We now exercise regularly by hiking, biking, walking, lifting free weights, doing calisthenics and by just plain old playing. You can get in a great workout right on the living room floor while you’re watching TV – for free!

17. Practice DIY Beauty Regimens

You don’t have to spend oodles of money to look great. We like use natural beauty where we can, but we still use DIY solutions for the following beauty routines.

  • DIY haircuts. We cut our own hair when possible.
  • The girls and I do our own manicures, pedicures, facials and eyebrow maintenance
  • We do at-home hair coloring
  • We practice “inside-out” beauty by eating well, exercising and drinking plenty of water. This helps keep outside beauty costs to a minimum.

18. Chill Out

I can’t count the money we’ve saved by learning to relax, chill out, not overschedule ourselves and not stress out about stuff. Avoid putting negative stuff into your mind, focus on the positive and what you can control, and learn to take gentle care of your body and your mind.


There are lots of “all around” ways you can save big bucks. Check out these ideas.

19. Use a “Challenge Everything” Budget.

Fashioned by J. Money over at Budgets are Sexy, a Challenge Everything budget works by going through each and every line item in your budget and reducing or eliminating the expense as much as possible.

20. Cut the Entertainment Budget

It’s okay to do fun stuff on occasion but that fun stuff doesn’t have to cost money. Reduce your entertainment budget down to a reasonable amount (ours is $60 a month for our family of six – an average) and find ways to have fun for free or cheap to make up for more expensive outings. Consider foregoing vacations for a year in order to kick it at reaching your goals.

21. Automate Retirement Savings and Emergency Fund Savings

It’s easy. Really it is. Have a certain dollar amount taken out of your checking account on the first of the month for retirement savings and for emergency fund savings. You’ll never miss the cash. Put the money in “no touch” savings accounts that are largely out of your reach so that you don’t see them every day and aren’t tempted to spend the cash.

22. Make a Commitment to Never Pay Full Price

If you have to make a purchase, whether it be a home improvement/repair item, clothing item, gift item or other item, make a commitment to never pay full price. Buy it on sale, buy it used at a garage sale or on Craigslist or make a swap with a friend/family member. Plan in advance so you don’t have to make last-minute purchases which almost always cost more money.

23. Consolidate Consumer Debt to Get a Lower Rate

Consolidation loans can save you BIG bucks if you are willing to commit to not using your credit cards once you’ve transferred the balances to a lower rate vehicle. Iif you find that consolidation is a good idea for you, check out the low interest rate loans they offer at Sofi or other reputable lending companies.


A great way to save more money is to make more money. Consider these side hustle options for making more money to save.

24. Start a Blog

Yep, you really can make money blogging. I’ve made over $1,000 a month on this blog in September through various avenues. If you’ve got a heart for writing and valuable information to share that will help others in whatever your area of expertise, consider starting a blog. You can start a WordPress blog for free, but a self-hosted blog is the only way to go if you want to make money, and starting a blog is cheap if you use the right online partners. Our site is hosted through Site Ground.  We’ve been with Site Ground for nearly a year now and have had ZERO hosting issues or hacking issues. Check out this special SiteGround link for special offers for The Frugal Farmer readers who are interested in starting their own blogs.

25. Pick Up a Side Hustle

Side hustles are money-making endeavors that are over and above your regular full-time job. I made nearly $14,000 doing side hustles last year. Yep, $14k from the comfort of my own home. A side hustle can consist of many things, such as:

  • Overtime at your current job
  • Online work through a site such as Upwork (I made all of my side hustle money last year via online work)
  • A business endeavor right in your own neighborhood such as pet or child care, handyman work, house cleaning or other skills you use to service others
  • A second job such as being a driver with Uplift, being a brand ambassador at a store or working at a restaurant or a retail store

The goal with the side hustle income is to save all of the money you make side hustling toward your financial goals and to not let the extra income be an excuse to spend more.

26. Sell Your Stuff

Most people have closets and buckets of stuff laying around their house that they no longer use. Go through your stuff and see what you have that no longer serves a purpose in your life. Then list it with a Facebook garage sale group or on Craigslist. Again, commit to putting all earned monies toward your financial goals.

27. Rent Out Your Space

If you’ve got an extra bedroom in the house, consider renting the room to a college student or other responsible person. Be sure to screen all renters and do a background check before signing any rental agreements.

Another option is to rent out space in your garage for those looking to store specialty vehicles, boats or plain old stuff. Check out rates at local storage facilities and figure out a rate that will give potential customers a better deal.

If you are committed to finally working life in a way that you can achieve your long-held dreams, use these and other techniques to save money and put that money toward reaching your dreams. You deserve the best!!

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