This is a money saving and frugal living ’round-up’ post. I have gone through all our shorter posts on frugal living etc and consolidated them into this one huge resource on money saving. There may well be some overlap on some tips, but overall I am fairly certain there is around 500 money saving tips and tricks here.
5 Things You Can Do Today To Save Money And Be More Self-Sufficient
For millions, the notion of living a more financially self-sufficient life is nothing more than just that – a notion. Existing free from the bounds of debt and comfort knowing you aren’t relying on anything other than yourself is a concept many desire, but few achieve. While the road of being financially self-sufficient is different for every person, achieving financial security and sufficiency begins at the same point for all adults.
The following five tips are geared to increase your savings account while simultaneously boosting your financial self-sufficiency in the modern world. Use these topics as the foundation for your personalized plan to reach financial stability and personal reliability.
Switch to a Better Bank
There’s a disturbing trend in the modern financial industry – fees. Whether it’s debit card fees, minimum account balance fees or the always mysterious, maintenance fees, banking institutions love to charge its customers for simply existing. While this may be true for many banks, there are a select few who offer stellar financial services without charging a fee for every action.
Research and switch to a bank that is fee-free and one that offers a decent interest on checking and savings accounts. Take your time researching the best bank for you. Much like your financial life, banks are unique and cater to specific financial situations. You can also research and switch insurance companies and energy suppliers. We saved $800 a year switching to a better energy tariff…
Create a Daily Budget (In Cash)
For many, the word ‘budget’ is nothing more than a fancy way of setting unachievable goals. The art form of budgeting is not easily acquired, yet it’s necessary to truly save money and become self-sufficient. Take an afternoon and review your monthly bills and expenses on all items (including food, drinks, entertainment activities, etc.). From here, subtract this total from your monthly income. Subtract a little extra for unexpected expenses.
The remaining balance is your expendable income. To ensure you actually spend within this limit, create a daily ”petty’ cash envelope. In an envelope for each day of the week, place the amount of cash you’re able to spend for that day. This method is a relative thought-free way of staying within your daily spending budget.
Fatten Your Piggy (Don’t Be Quick To Dismiss)
Now that you’re conducting your daily spending with cash instead of debit or credit, you’re bound to end up with a fair amount of loose change. Focus on placing this change into your piggy bank. Did you know that by placing aside fifty cents per day for a year, you’ll be at almost 40% of the recommended $500 emergency savings account? Become diligent in saving loose change and leftover bills, and you’ll soon be sitting on a significant amount of cash.
Keep Your Car in Top-Notch Shape
It’s no secret that a well-maintained car lasts substantially longer than a neglected vehicle. However, did you know that by keeping your car tuned-up results in saving money and making you more self-sufficient? By keeping tires properly inflated and the engine maintained, it’s possible to save hundreds in gas purchases each year.
Not only does a properly maintained vehicle save you money on required maintenance and expenditures, but a reliable mode of transportation is among best ways to solidify your self-sufficiency. Take care of your vehicle and watch it care for your livelihood.
Weatherproof Your Home
Regardless of where you live, the weather has a tendency to become extreme. Whether it’s blistering heat or bone-chilling cold, you likely spend hundreds on annual heating and cooling costs. Reduce your monthly utility bills by weatherproofing your home. Because all homes are unique, the exact process to make your residence efficient can vary. Spend time researching various weatherproofing techniques and adopt a system to save you money and sustain the comfort and viability of your home.
46 Penny-Pinching Ways To Save A Lot Of Money This Year
The little things really add up. Admit it, there’s a small part of you that relates to the ladies on Extreme Couponing. I read a great blog on how to save money by doing simple DIY projects, tips on how to reuse old things and awesome ways of saving money by doing simple things to items you already have.
Also, remember, times will only get harder and items only cost more, so save money now to have more money for later down the road. This way of saving money will help you if an emergency were to happen and you had to cut back on spending or even if SHTF.
More here: 46 Penny-Pinching Ways To Save A Lot Of Money This Year
100 Painless Ways To Save Money And Live More Frugally
Times are hard, goods and services are expensive but money is short. The rich are still getting richer, and the poor are still treading water, trying to keep their head in the air…
The things is, you don’t have to be living right on the bread-line to be concerned with saving money and living more frugally. It makes perfect economic sense for everyone, no matter what their wealth, to not waste their money. To be honest, I believe that living a more frugal life is also better for the soul, it is a more satisfying way to live. If you’d like to save some money and live a little more frugally, check out the post below.
See: 100 Painless Ways To Save Money And Live More Frugally
(Photo from: Tax Credits)
50 Nifty DIY Tricks To Save Loads Of Money
Some of these ideas cost nothing, but they result in improved performance and reduced costs. Shortening your dryer hose for example – it costs nothing but will save around $25 a year and make your clothes dry 20% quicker. That said, if the weather is good, you should hang your clothes outdoor to dry for even bigger savings!
My point is – there are loads of free/low-costDIY things you can do that can save you big money. The link below contains 50 DIY money saving tricks in categories of how much money they will save you, $50, $150, $250 and $500 a year. Check out the list below.
Find out more: 50 Nifty DIY Tricks To Save Loads Of Money
(Image from: Alan Cleaver)
100 Great Tips For Saving Money
There are so many ways we can save money, but often we are so stuck in our old ways and routines, that we miss the most obvious ways to save money… For example – we have saved $1000s a year by sitting down once a year and reviewing things like loans, utility bills, and insurance. We get the paperwork out, check the numbers and then go online and use one of those comparison websites which help find the best deal. A few hours doing this once a year can save $1000s.
It’s not just the big things, though – a friend of mine was telling me how much debt he was in etc, but then later in the conversation he mentioned that he buys his lunch from a local deli each day on the way to work. I asked why he doesn’t pack a lunch at home to save money and he said he couldn’t be bothered and it wouldn’t save that much money anyway. This kind of thinking is crazy though as $10 a day is $50 a week (5 day week) and that’s over $2500 a year. Little things add up!
If you save some money, check out the post below which lists 100 genuinely useful tips, to help you cut your cloth to fit.
Read: 100 Great Tips For Saving Money
41 Green Ways To Save Money ($1000s Each Year!)
It seems quite obvious to me that we are screwing our planet up at a rate far greater than previous generations. Lots of people also seem to be struggling and a lot less well off now too. Therefore if there are things you can do that save you money AND save the environment, surely that’s a no-brainer? It’s a win, win.
The post below contains 41 little things you can do that will save you big money and enable you to do your little bit to help safeguard the planet. I am a parent and I believe it is especially important for our children to see us doing these little ethical things that help us and the environment. Just like if you get them to eat healthily at a young age sets lifelong habits, so can this. Set a good example now and they will carry it on in the future.
Read: 41 Green Ways To Save Money ($1000s Each Year!)
(Image from: Greatist)
27 Ways To Save Some Money

Money is tight for most people, and there’s no buts about it, times are getting tough…
If you are feeling the pinch (especially after Christmas), head over to One Good Thing By Jillee and read her excellent article detailing 27 (do-able) ways to save a bit of money this year. Great advice, make sure you check it out!
Find out more: 27 Ways To Save Some Money
(Image from One Good Thing By Jillee)
High-Deductible Health Plan: How To Cut Costs & Save Money
Ok so this is a break from the norm on Knowledge Weighs Nothing, but I saw this and I thought that with the 30,000 daily visitors to K.W.N, this can really help a lot of folks struggling with their high-deductible health plans. In fact, I guess unless you have an HDHP, you probably wouldn’t be here reading this. Anyway, we’ll see how popular this post is…
Anyway, the link below contains post written by Insure.com that includes lots of help, advice, and tips on how to cut costs and save money on your health care if you have an HDHP. If you just ignore the Insure.com advertising and free quote boxes, there is some great free information to be had here.
Read more: High-Deductible Health Plan: How To Cut Costs & Save Money
(Image from: Wikipedia)
Home DIY: How To Do Home Repairs Yourself To Save Money
So often when something at home breaks and needs repairing, we just phone a tradesman (or woman) and pay them to do the work for us… You shouldn’t be afraid to do a little home DIY, as many tasks are pretty simple and straightforward, especially with Google as your friend. A quick Google and you can often diagnose the issue, and a lot of the time someone has created a DIY tutorial for you to follow.
In the last year, with the help of Google, the home DIY tasks that I have done myself include: replacing a toilet, replacing a power-shower pump, laying a wood floor, building decking in the garden and fixing my computer and my wife’s laptop several time. My point is – you don’t always have to pay someone else to do the work, with the internet, lots of these tasks are easy to do yourself.
Here’s what I do –
If it is a broken appliance (washing machine, dishwasher, computer etc), I get the make and model and Google the specific issue. For example – ‘Sony Vaio S1 laptop not booting up’. When you do this you will usually find loads of posts and forum threads where people have had the same issue. They often also include the DIY repair and how to do it. A little research is all that is required.
If it is a home DIY task (fitting a new toilet, laying a floor etc), I simply Google how to do the task. For example – ‘DIY guide to laying laminate wood flooring’. Again you will usually find loads of guides and tutorials showing how to do the task you need to get done.
All that is up to you is deciding whether your level of DIY skill is up to the task of following the instructions you have found online. If it is, do the work yourself and save loads of money. If it’s not, bite the bullet and pay a professional to do the work for you…
(Image from: Wikipedia)
200 Tips & Ideas For Living More Frugally & Saving Money
Everyone likes saving a bit of money, but these days, most of us HAVE to save money each month, just to get by… Times are hard and the ability to be able to cut costs and live more frugally is becoming more important than ever. Living frugally doesn’t necessarily mean going without, often it can mean having more for less, gardening for example – you can grow and have more food for less.
There are so many things you can do to live more frugally and cut costs. In fact, almost every single thing you do each day can be evaluated to see if there is a cheaper, better way of doing it. Below are two posts from ‘The Parsimonious Princess’ that list 200 ways to live a more frugal life.
See: 100 Painless Ways To Live More Frugally & 100 MORE Painless Ways To Live More Frugally
(Image from: StockMonkeys.com)
9 Frugal Living Tips From The Great Depression
I read somewhere the other day the frugal living was going to be the new ‘in’ trendy thing for 2014. It’s nice for some to be able to play at having to live frugally, but for many of us, it is simply a way of life, not a trendy lifestyle choice…
Anyway, regardless of whether it’s a trendy choice or a necessity for you, below is a post listing 9 frugal living tips that folks had to rely on during the Great Depression. Actually, when I go through the list, I am starting to think that maybe choosing to live this way as a lifestyle choice (rather than having too!), isn’t such a bad thing after all. I think the world might be a better place if we took on some of these values.
Read more: 9 Frugal Living Tips From The Great Depression
(Image from: Wikipedia)
The Fine (and Frugal) Art of Repurposing Leftovers
Times get hard sometimes but if you are doing well with money, this is a great way to start preparing for an emergency situation because money will have no value or there will be no food to buy.
Find out more: The Fine (and Frugal) Art of Repurposing Leftovers
Picture Credit: Muffet
11 Couponing Tips That Will Save You Thousands
If you are not couponing, you are throwing money away each and every week. The mistake many people make is thinking that a coupon here and a coupon there, isn’t going to make much of a difference and therefore couponing is not worth the effort. The thing is – if you actively seek out coupons and shop wisely, you can easily save around $200 each month… A $2400 a year saving for a bit of couponing seems a no-brainer to me.
If you want to switch from cashing the odd coupon here and there, to being a couponing pro who saves big each month, I highly recommend heading over to ‘Live Like You Are Rich’ and checking out their couponing guide. I guarantee it will save you money!
Read more: 11 Couponing Tips That Will Save You Thousands
(Image from: Live Like You Are Rich)
Feed A Family Of 6 For Less Than $400 A Month (Including Diapers!)
There are two lots of people reading this – one is going ‘blah feeding a family of 6 for $400 is easy’, and the others are going ‘how on earth do you feed a family of six for just $400 a month?’
The things is, if you eat low-quality food it is easy to feed a family on very little money, but the post below from ‘Womanhood With Purpose’ explains how Bernadette eats healthily, with lots of fruit, meats, and vegetables. The amazing thing is that her $400 a month budget also includes diapers and cleaning supplies. Find out how she does it below. I would also add that you could eat healthier and cheaper by also growing some of your own fruit and vegetables too!
Find our more: Feed A Family Of 6 For Less Than $400 A Month (Including Diapers!)