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 Here are the 53 best frugal living tips to help you become a frugal family, including ways to stretch your money and the cheapest way to live by Laura at Savings 4 Savvy Mums #frugaltips #frugallifestyle #FrugalLivingintheUK #howtobefrugal #frugalideas #frugalhacks #frugalrecipes #frugalmeals #frugalfamily
51 of the best frugal living tips for mums who want to save their family money. Tips include ways to save money while raising a family, how to stretch your money and the cheapest way to live. #FrugalTips #FrugalLiving #HowToBeFrugal #FrugalHacks

101 Frugal Living Tips That Will Save You Thousands in 2020

Including ways to become a frugal family and live a fun life on a budget

We all want to save money while raising a family, and becoming a frugal family is a good way to do it. Frugal living doesn’t mean going without, it’s more about living life to the full on less.

If you want to learn how to be frugal and are looking for all the best frugal living tips then keep reading as we have 101 of the best frugal living tips that will help you save money throughout 2020.

We loving frugal living. It gives us the freedom to do the things with the children that we’ve always wanted to do.

What does frugal living mean?

Frugal living doesn’t mean that you go without. Living a frugal lifestyle means that you save money on your daily living expenses so that you can spend money on the items that are really important to your family.

That could mean that you pledge to stop eating take-outs and put that money towards a dream holiday or switch your bills regularly and put the savings towards paying off your mortgage.

What is frugal living?

Frugal living, in the real world means making sure you have enough food and enough money to live while not going into debt or worrying about you are going to pay the bills next month.

This means that you and your family get to live the lifestyle that you want. Decide what’s important as a family. What do you all want to save for? You all have to be invested to be able to achieve your goal.

Wikipedia explains the meaning of frugal living as “The quality of being frugal, sparing, thrifty, prudent or economical in the consumption of consumable resources such as food, time or money, and avoiding waste, lavishness or extravagance.”

For us, it’s more about being free from debt and no longer living month to month. 

The good thing about living a frugal lifestyle to that it’s as flexible as you are. You can be as frugal as you want while still watching your savings grow. 

Frugal living gives you options as a family. Debt limits your options!

For our family; frugal living means that we really think about what we spend our money on as a unit. That whatever we spend it on is essential and not just a want.

That doesn’t that you have to live like this too. Frugal living could mean something different to you. It could mean that you’ve now decided to start making prudent money choices.

How to save money living frugal? 

To start living more frugally as a family you need to make smart money choices. Make your money work for you and really start to budget are the first steps to saving money while raising a family. 

If you haven’t started already, then creating a household budget is a good place to start. It allows you to see what you’re spending money on and if and where you need to cut back.

Try and decide how much you’re going to spend on food, petrol, and treats and stick to it. If you prefer to use cash to budget then drew it out and put it in envelopes to use. Anything left over gets put into the money pot.

If you need to start saving money but don’t like the idea of going frugal then try these top three posts to get you on your way to helping your family save money:

Food plays a bit part in the family budget. 

Whatever you and your family plan on eating that week put down. Make this your one and only shop for the week.

Start by listing every meal time and plan out the week. Get everyone involved to pick a meal.

Having trouble filling up your meal plan? Then use these meal plans as ideas.

Write down whatever ingredients you need for your meal plan to work including drinks. Then look through your kitchen staples and check you don’t need anything. We have a full list of our kitchen staples here. They are all cheap but can bulk out a meal if needed.

Managing the money you do have can be hard when it needs to be pulled in so many directions. 

There are loads of budget phone apps that can help you keep on top of your finances wherever you are.

We use Plum*. It’s completely free and it lets you input your salary and outgoings, plus links to all your accounts including savings and investments.

If you seriously are struggling then please take a look at our No Money for Food? This is What You Do When You Really Have No Money To Feed your Family post which walks you through all your options. 

Please don’t suffer in silence. Get help now so you and your family can move forward. 

If you have never budgeted before or it’s been over 6 months since you reviewed your finances then why not join our Money Saving Mums group.


It’s a group for mums who want to overhaul their money and get some real tips on how you can stretch your money.  It’s a closed group so only those that have accepted the challenge can see your posts. We are all at different parts of our money saving journey so there’s no shame. We talk openly about how all save money to try and help each other.

So what are you waiting for?


Come join our free money saving challenge

Join our free money saving challenge and learn how to save your family money

Our free money saving course is emailed to you weekly to help give you ideas on how to save your family more money. Some of the ideas might not work for you but hopefully some real and might make a difference to your family finances.

Join us here today.

(By giving us your email address you are agreeing to let us email you about our other money saving tips and ideas. You can unsubscribe at any time by clicking the link at the bottom of every email.)


Frugal living tips for beginners

The great thing about frugal living is that you and your family get to live how you want. Decide what is important to you all as a family. What can your family not live without? What do you all want to save for?

If you’re all invested in living a frugal lifestyle then you will make your dreams happen.

  1. Have monthly chats with the whole family to keep everyone on track and on the same page. You can’t start saving more without the whole family invested.

          2. Start a monthly budget and stick to it. That way you know what you have left over, if anything that month. Use my FREE downloadable budget planner to help.

         3. Create financial goals and celebrate when you reach them. A big scary goal will really help motivate everyone to keep going.

         4. Go through all your bills and check you’re on the best deal. Phone them and ask. What’s the worst that can happen? We use:

  • Buzz Vault* to find the best home insurance quote. If you use our link here and decide to go ahead with your quote, you could receive £100 cashback as a thank you, as long as your policy is over £100.
  • Compare The Market* is a good place to start to check your other bills. This will give you a ball park figure so you know if you are paying to much.
  1. Switch energy suppliers EVERY year without fail. Bulb*, who are trying to make switching your energy supplier easier, cheaper and greener. You’ll also receive £40 when you switch! Finding out how much they could save you is completely free!

           6. Use a FREE app like Plum* to help keep track of your families spending habits. It’s completely free and it lets you input your salary and outgoings, plus links to all your accounts including savings and investments. 

           7. Move to a water meter if you haven’t already. This tracks your exact water use so you have complete control.

           8. Have a guilt free money day once a month. Don’t go crazy but go out for dinner or have a treat. It will help keep you all on track and feel less like you are missing out.

          9. Switch bank accounts every 12 months to get the best interest rate and take advantage of the cash back offers. Use Experian* to check your credit score to make sure you get the best rates possible.

       10. Make sure you have an emergency fund for if or when something happens out of your control. This should be your first saving goal.

       11. Ask yourself “Do I really need that?” before you buy anything new.

       12. Sell old or unused items on Facebay or eBay.

       13. Use Facebook communities to help you find other mums who love saving money.

       14. Join a money saving challenge to kick start your savings.

      15. Get a jar to store all your loose change.


Frugal Living Ideas For Transportation

  1. Pay for as many annual payments yearly if you can. This will save you paying interest in the longer term.

          2. Try and walk instead of taking the car. We Now walk any distances that are under 2 miles. Its great free exercise too!

          3. Turn your car off when you’re sat in a queue.

          4. Wash your own car.

         5. Car share and split the petrol cost.

         6. Do your own small repairs.

        7. Check your tyres are at the correct pressure. Most petrol stations let you check and fill them for free.

        8. Research and find free parking.

       9. Find the cheapest petrol station near you. You can research this online.

     10. Clear out your car to keep the weight down.

    11. Could you go down to one car?


Frugal lifestyle Meal planning and Shopping

  1. Meal plan like a queen. Everything gets put down, including snacks and desserts.

          2. Use the meal plan to then make a shopping list. Take it with you and stick to it!

         3. Find cheap recipes your family love and let everyone pick one. It helps fill up your meal plan and have less waste.

         4. Use cashback websites like Quidco* and Swagbucks* whenever you can.

        5. Use loyalty cards like Tesco Clubcard or Boots Advantage Card* as you get freebies back.

        6. Use eBay* before you buy

       7. Use our £18 a week family menu once a month to try and keep food costs down.

      8. Try a site like Dealsdaddy, they have voucher codes for clothing, accessories, shoes, home decor, furniture, pet supplies etc.

     9. Try one of these cheap pre-made meal plans.

   10. Stop buying coffee at work or while you’re out.

   11. Use charity shops when you can.

  12. The Poundshop is a great place to buy kids birthdsay presents.

  13. Try and season shopping. Try and buy winter clothes when they go on sale in the summer ready for the following year. If a few items don’t fit exactly right by then, I’m not that annoyed about it as I saved money on all my purchases overall.


Frugal Living Ideas For Entertainment And Activities

  1. Try the penny challenge for three months and put that saving toward a family trip out.

          2. Have a no spend weekend once a month. Have a jar of free ideas.

         3. Check offers before you go anywhere.

         4. Have a night out for free by sitting in a TV audience.

         5. Use free apps like What’s App to text and send messages to your friends and family.

         6. Find free ebooks for your phone.

        7. Spend 10 minutes every day making a money on your phone.

        8. Drink more water when out and about.

       9. Use your library for any movies or books you need. Most run great family activities too.

     10. Enjoy the outdoors as much as possible by visiting as many free local parks.

    11. Find local walks and take bikes or scooters.

   12. Have family board game nights.

   13. Have a home spa day if you love having nails done. Get some friends around and help each other.

   14. Make your own toys. We’ve all been there. You spend forty quid on a VTech watch or singing Elsa to find the kids would rather play with the box. Now, I splash out of one big thing each, then make everything else. One of their favorites is still Cheerios is a plastic box.

   15. Try out Park Run instead of using the gym.


Frugal Living Tips For Laundry and Cleaning

  1. Ditch the tumble dryer and hang your clothes up to dry around the house.

          2. Make your own detergent

Okay, so this might seem a bit radical but bear with me here. For a little under £20, you can make five gallons of your own detergent. If won’t clean all those weaning bibs or the poonami all over your kids best baby grow, but it’s fine for the average day to day wash:

3 bars of fells naptha
1 box of borax
1 box of washing soda
2lb box of baking soda
Large tub of OxiClean
Purex laundry crystals (optional)

           3. Use the sniff test to check if clothes really need washing.

           4. Wash clothes on a 30 degree wash unless they are really dirty.

           5. Use less soap powder if you a smaller load.

           6. Use an airier and put it near your radiators.

           7. Open a window instead of using air fresheners.

           8. Try and dry your clothes outside as much as you can.

           9. Pick an all purpose cleaner to clean your home.

         10. You don’t need expensive cleaning brands. The cheaper options do the same job.


Utilities Money Saving Ideas

  1. Use a site like Switchcraft* for your electric if you don’t like the hassle of looking around. They automatically switch you to the best deal for you at the end of your term. Find out more here about how Switchcraft* could work for you.

          2. Take meter readings yourself so that the companies don’t use estimates.

         3. Turn down your heating by 2 degrees.

         4. Ask everyone to put a jumper on before they turn the heating on.

         5. Check and have added insulation added to your home.

        6. Turn off lights every time you leave a room.

        7.Use extra blankets at night instead of the heating.

       8. Keep doors closed to keep heat in.

       9. Turn off applications that you are no longer using.

      10. Install energy saving lightbulbs every time one fails in your home.

       11. If you need the oven, try and fill it, thinking of the next day’s food as well.

       12. If you’re using gas, try and put a lid on the top to stop the excess heat coming out.

       13. Only flush the chain after a poo.

       14. Turn the tap off while you’re brushing your teeth.

       15. Have quicker showers. We time ours at 5 minutes.

      16. Use a waterbutt for your garden. It’s a great way to collect rain water and saves you getting the hose out in the summer months.


Be Frugal And Save Money On Your Household Bills

  1. Use cash envelopes on anything you need to pay cash with. That way you will stay within budget.

          2. If you can’t afford to pay your bills, don’t leave it. Call them and ask for a payment plan.

          3. Don’t auto renew insurances. Make sure you price compare first. We use:

  • Buzz Vault for our home insurance.
  • Compare The Market for bills.
  • Bulb for energy.

          4. Swap to a lower mobile phone contract.

         5. Watch YouTube to learn how to do all the DIY jobs at home yourself.

        6. Go through your household bills and cut anything you don’t need.

        7. Review your subscriptions every 3 months and cancel what you don’t need.

       8. Use money managing apps like Plum* to keep your money under control.

       9. Washable wipes. Use them for everything and then chuck them in the wash.

      10. Pay by direct debit when you can. You normally get a discount and don’t have to think about it.


How To Be Frugal With Food – The Best Frugal Living Tips

  1. Check your cupboards, freezer and fridge and buy kitchen staples. Try to add one cupboard meal into your meal plan.

          2. Grow your own vegetables.

          3. Use up any leftover food that’s going off. Smoothies, cakes and slow cooker recipes are perfect for this.

          4. Pack lunch for the whole family. No more school meals (unless they’re free) or office outings. Keep track of what you’ve saved.

         5. Reduce your family waste by understanding dates and where items go in the fridge.

         6. Buy better cuts of meat that can last for more than one meal. Muscle Foods* is a good one to start with.

         7. Downshift your brands. Start at the bottom and work your way up. You’ll be surprised at how nice a value product tastes. If you don’t like it, then go up one and try that. These meals are all made from food brought from a discount retailer.

        8. Switching supermarkets. I’ve saved over £30 a week just be switching from Asda to Aldi. Try it!

        9. Cook from scratch. It’s may take longer but is a lot cheaper than buying pre-made.

       10. Buy in bulk. The bigger box of nappies you buy, the cheaper they are. Works with most things, apart from cake, unfortunately.

      11. Cut down on alcohol or only buy it from discounters.


How to live frugally

If you found these frugal family tips helpful, then come join my Money Saving Mums group.

Remember that being frugal isn’t about depriving your family of the things they need. It’s more about only buying what you need if and when you need it. 

The quickest way to start saving money is on your food shop so start there if your family still need to be convinced. 

Make sure you come join our FREE Resource Vault to get access to over 15+ free prinatables you can print off as many times as you like.

You can also join our free Facebook group, Money Saving Mums.

Have you tried any of these family frugal tips? Have I missed any? I really hope these frugal living tips will help you to save your family more money.

Laura x

If you enjoyed this post and would like some more money saving ideas, then head over to the saving my family money section here on Savings 4 Savvy Mums where you’ll find over 50 money saving tips to help you save your family more. There’s enough tips to help you save over £300 a month! You could also pop over and follow my family saving Pinterest boards for lots more ideas on how to stop spending and save more; Money Saving Tips for Families and Managing Money for Families

Love this post? Then why not save it to Pinterest so you can easily find it later. 

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