DISCLAIMER: What I am about to write about concerning 100 frugal tips, of which I am no expert. Instead, I rely on research for my claims which are not academically or clinically based and are always susceptible to change. Do not treat the following information as prognoses for any problem, rather as general information. If you are looking for an individualized diagnosis, please consult a professional.

I decided to amalgamate 100 frugal tips into one list, which vary based on the circumstances. These tips will help you to save money, think about your relationship with money and yourself, and think about your place in society. They have been covered by YouTubers and travel sites down below.

Notice how I wrote “save money” but not “save time.” If you work in a time-sensitive profession, then some of the tips might not apply to you.

Here is the organization of the list by topic:

  • 1-11: Priorities
  • 12-29: Price Comparisons
  • 30-38: Buying
  • 39-41: Selling
  • 42-48: Hygiene
  • 49-75: Home
  • 76-84: Food
  • 85-90: Negotiations
  • 91-95: Laundry
  • 96-100: Entertainment

100 Frugal Tips

  1. invest in life insurance (Ethos)
  2. rely on wishlist to prioritize importance of whether you need items or not
  3. use GoodRx prescriptions to save up to 80% for insurance
  4. log your purchases throughout the month
  5. envision a life with financial security (within 5-10 years)
  6. quit bad habits
  7. find multiple uses of one object or location (do multiple errands on a single trip to town)(use basic items you already have for multiple purposes)(when you arrive at gas station to fill up your vehicle, you can also take the strategic opportunity to buy a meal for the day from the gas station)
  8. set short-term financial goals
  9. eat less meat
  10. avoid eating out
  11. understand that saving is better than earning
  12. scan receipts with cashback apps (like Fetch/Ibotta/Upside)
  13. take advantage of offers/deals/point systems from credit card/debit card and browser service
  14. sign up for price comparison updating sites
  15. shop the international food aisles, since prices tend to be lower
  16. use Google Map to compare gas prices (ideally, you should find the closest gas stations, then find the lowest prices among them.)
  17. avoid going to stores to kill time
  18. improve credit score
  19. buy cheaper brands, generic brands
  20. buy strictly from a list
  21. buy ready-made meals
  22. buy quality for longetivity
  23. shop once a week to avoid impulse purposes
  24. shop for gifts throughout the year (or find your own unused items to make as gifts)
  25. shop after holidays (if you celebrate holidays)
  26. avoid brand loyalty
  27. take advantage of dormitory sales, filled with college students selling their stuff at end of spring semester (May specifically)
  28. if you must replace appliances, replace them with energy-efficient ones
  29. calculate per unit costs when buying in bulk
  30. only check amazon once a week
  31. remove saved cards from web browsers to avoid temptation of instant payment
  32. look for free stuff (like on Facebook Marketplace)
  33. avoid eye-level items at grocery stores
  34. shop produce in-season
  35. shop the sales
  36. do a savings challenge
  37. use cash to avoid credit card/debit card fees
  38. look for discount days at thrift stores, Goodwill, or discount stores like Dollar Tree
  39. sell unused items
  40. cash in on cans and bottles for recycling
  41. multiple streams of income
  42. make your own cleaner
  43. use foaming handsoap
  44. cut toothpaste containers to use remainder
  45. add water to (shampoo/body wash, etc.) bottles to use remainder
  46. cut or shave your own hair (or pay hairstyle students to cut your hair)
  47. learn to love your natural hair
  48. use less soap/detergent than what the manufacturer requires
  49. unplug appliances that are not used
  50. decluttering home
  51. don’t waste water
  52. actually read user manuals of appliance in order to save electricity
  53. exercise at home
  54. use youtube before seeking professional help; it will help you itemize the problems you might be happening
  55. learn to sew in order to use patches and repurpose old, shrinking clothes
  56. invest in thermal wear (for winter or colder weather)
  57. carry a reuseable water-bottle/coffee cup; including out at work
  58. use one cup per day throughout the day
  59. have emergency fund to avoid debt
  60. refinance your house (if you are a homeowner)
  61. make use of public transportation
  62. assemble your own IKEA furniture
  63. survive on a simple wardrobe
  64. collect change wherever you find it
  65. save some physical money
  66. turn off lights and replace it with sunlight
  67. make your own curtains
  68. shine shoes with petroleum jelly
  69. double-check medical bills
  70. downgrade vehicle to a used vehicle or continue riding paid-off vehicle
  71. invest in a handcrank charger for smaller electronics like iphones
  72. save dessicants; repurpose boxes from products you bought as storage for the products so they don’t collect dust
  73. set up direct debits the day you get paid on to multiple accounts for different priorities (such as housing, food, expenses, taxes, and investments)
  74. take advantage of library’s opportunities accessible through a library card (such as book checkouts or free events)
  75. buy a die-cutting machine if you love personalizing your products
  76. host a potluck
  77. store vegetables in ziplock bag with a paper towel inside to absorb moisture
  78. eat from pantry of leftovers
  79. bring snacks when doing errands to avoid cravings
  80. prepare your own signature meals and protein shakes
  81. eat less food
  82. grow your own food
  83. use freezer to preserve food
  84. brew your own coffee/tea
  85. ask a referral program from a plumber or ac repairman (word-of-mouth is important marketing for them)
  86. have a support network in place (Promise something in exchange for aid)
  87. aggressively negotiate phone deals
  88. push for more from your employer (such as salary negotiation)
  89. spend less time with expensive friends that involve spending
  90. see if your insurance company offers freebies when you stay healthy
  91. zip zippers before doing laundry to protect clothes and zippers from being bent
  92. hang-dry as many clothes as you can.
  93. put a towel in the dryer to absorb water and save drying time
  94. use dryer balls in laundry to reduce drying time
  95. wash clothes in cold water
  96. cancel cable; replace with a streaming service (or have no streaming service at all and rely on youtube)
  97. at-home date nights; general at-home entertainment
  98. go to movies or events during the day to get matinee tickets
  99. look at free events in town
  100. share cooking with other people (such as birthdays or celebrations)

How Does This Pertain To Worldbuilders?

Frugal tips are vital to worldbuilders since they may need to prioritize scaling down every other expense before their educational expenses. This includes student debt payments, or tuition if they are currently attending university. Worldbuilders would also make use of any research into whatever field they wish to develop a better understanding of, with history, government, religion, and mythology being the most prominent examples according to M. D. Presley.

BONUS Frugal Tip


  • Implement the Pareto Principle into your life; in other words, take a part of your life (ex. food), find the vital few to produce the useful many.


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