How can mom save money?

Saving money is possible with the right strategies and mindset. By creating a budget, cutting back on non-essential expenses, shopping smart, reducing energy usage, and setting savings goals , you can build a more secure financial future for yourself and your family.

What makes people cheap?

As with every other human behaviour, being cheap or frugal is based on our psychology. They both involve saving money, and they both try to get a good value, but the overall factors behind them are different. The cheap approach is the one driven by anxiety and the scarcity of not having money .

How much should a single mom save?

As you start building savings as part of your monthly single parent budget, it can be wise to prioritize emergency savings. Experts often recommend having at least three- to six-months worth of living expenses stashed away in a separate savings account where you won't be tempted to spend it.

How much money to be a stay at home mom?

Depending on the size of the home, family, pets, and numerous other conditions, a stay-at-home parent may work upwards of 98 hours a week. According to 2019 data from Salary.com, if you are a stay-at-home parent and paid for your services, you would be looking at a median annual salary of $178,201 .

What is toxic frugality?

Frugality is the practice of being wise with money and avoiding wastefulness. It's a virtue that many people admire. It fosters responsible financial habits and can lead to a more sustainable life. But there's a darker side to frugality that can be detrimental to our quality of life . This is known as “toxic frugality.”

Does being frugal pay off?

Incorporating frugal habits into your life can certainly save you money and bring you more happiness as you learn to spend in alignment with your values. Just be sure not to cross into “cheap territory!”

A Frugal Mom's 25 Favorite Easy Ways to Savedo Money (2024)

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A Frugal Mom's 25 Favorite Easy Ways to Savedo Money (1)

Need easy ways to save that actually work? I’m a thrifty mom of 4 and these are my favorite frugal ways to save money! And they can help you trim your budget too.

This post has been sponsored by Inside Rx. All thoughts and opinions are my own. There also are affiliate links in this post. If you use these links, I may earn a commission- please read my full disclosure policy.

I think it’s safe to say that I got my love of saving money from my Dad.He’s a great storyteller and my kids always beg him to tell them about when he was younger.He includes lots of little details that make it easy to imagine what things were like back then and it’s always fun to get a peek into that era.

One of the things that comes through so often in his stories, without him even meaning it to, is how mindful he was of saving money and living frugally. And I just have to smile. Because many times the way he talks about things is how I would think about it too!

Without even trying it, I tend to look at life through the lens of frugality.

But I know it’s not that way for everyone. There are so many ways that you can save and cut your expenses and if you aren’t a natural at saving money, it quickly can feel overwhelming! And I can totally understand why.

That’s why I wanted to share my favorite easy frugal ways to save money with you. I tried to think of things that are relatively simple to do but that will make a significant impact on your budget.

RELATED: 10+ Easily Doable Side Hustle Ideas that Will Make You $500/Mo.

I’m a busy mom, after all, so I get it.Most of the time if it isn’t simple, I won’t do it!

So I wanted these frugal money-saving tips to be easily doable, allowing you to feel the success of cutting your expenses without taking a lot of time to do it.

One word of caution though if you happen to be new to thinking about how to live frugally and save money.I recommend that you choose just two or three of these money-saving tips to focus on instead of trying to take on all twenty-five.

You want to make it easy to succeed, not set yourself up for failure! Once you get those 2 to 3 in place, try doing a few more things.

Little by little you’ll see the savings increase!

Best Frugal Ways to Save Money

A Frugal Mom's 25 Favorite Easy Ways to Savedo Money (2)

Grocery Saving Tips

1. Use money-saving grocery apps

Grocery apps are such an easy way to save a little extra on your groceries!And one of my favorite things is that they often have savings offers that are good onany brand of a product such as milk, bread, fruit, diapers and more.

Here are my favorites:

Ibotta
–Often has offers for any brand of a product such as $0.25 on any bread. Also occasionally there are offers to get a product totally free!
Fetch Rewards
– Use code FETCH300 at sign up to earn 300 points! This one is the absolute easiest apps to use…you earn just for simply scanning your receipt. And they will also figure out if you bought any items that qualify for additional savings.

2. Buy produce on sale or in season

It’s no secret that produce is one of those things that can quickly rack up your grocery bill!

Instead of grabbing whatever catches your eye, stop and look to see what’s on sale and buy that instead.Even just figuring out what fruits and vegetables are in season and then shopping for those is often helpful since they will most likely be less expensive.

3. Buy generic

Unless I have a coupon for a brand name item and can get it cheaper, I pretty much always buy the generic version. Most of the time I can’t tell much of a difference in quality anyway.

And I highly recommend shopping at Aldi if you have one in your area! They are inexpensive and even have a money-back guarantee on their products (all of which are generic brand), so if for some reason you try something and really don’t like it, you have nothing to lose!

4. Go meatless at least once a week

Since meat is so expensive, choosing to go meatless at least once a week is a super easy way to save!

5. Buy meat in bulk

When you do buy meat, it’s almost always cheaper to buy it in bulk!At a grocery store, look for family-size packs which are typically at least 5 lbs. in weight, but are priced less per pound than the smaller packages.

If you don’t think you’ll use it all within a couple of days, package the remaining portion in a freezer bag and save for another meal later!

6. Pack your lunches

Even if you spend $7 a day on lunch just 3 days a week, that ends up being an expense of over $1,000 a year! Wow!

Packing your own lunch is obviously a great thing to do if you want to live frugally and save money.

7. Make your own convenience foods

This is such an easy way to save money and be healthier! A few of my favorite convenience foods to make are: Homemade Bisquick Mix, Homemade Cream Soup Mix, Homemade Salad Dressing, Easy Healthier Alfredo Sauce, Homemade Cool Whip and Homemade Chocolate Syrup.

They are all simple to make and don’t take a lot of time to mix up either.

RELATED: 35 Foods to Make from Scratch and Stop Buying

8. Stop eating out

View eating out as a special privilege that only happens at most a couple of times a month.Instead, start cooking your own meals.

Even if you cheat and buy a few frozen pizzas here and there, you’ll still be spending less than you would if you went out to eat!

Need some easy meal ideas? Check out my $400 a Month Menu Plans!

RELATED: Struggling to make cooking at home work for you? Get a FREE 14 day trial of eMeals here!eMeals is a great way to help meals at home feel doable!They provide you with all of the recipes that you need as well as your shopping lists, which saves you time and makes eating at home super easy.

9. Stop throwing away food

Most Americans throw out over $1,000 worth of food annually! Thankfully, there are lots of easy things you can do to reduce your food waste.

And I love this list of practical uses for 8 foods that you very likely are throwing out! Such a simple way to save.

Savings on Household Expenses

1. Stop using paper towels

I know.They’re so handy to grab but they aren’t exactly the cheapest thing around, especially considering the fact that you throw them out once you use them!

Switch to using rags instead.Cut up old towels, t-shirts and sheets into whatever size you like and you have handy washable rags!

2. Stretch your hand soap

And no, I’m not meaning that you should skip washing your hands.Yuck!

I’m talking about making your own foaming soap. It’s super easy and it will make one small bottle of regular soap last at least 4 times as long! One of my favorite frugal mom tips!

3. Use homemade cleaners

I love using my homemade bathroom cleaner– it’s super effective and way less expensive!

4. Watch detergent amounts and wash only full loads

According to the American Cleaning Institute, many people use twice the amount of laundry detergent than required.Not only that, it’s common for people to also use the same amount of laundry detergent no matter what size load they wash.

Making sure that you use the correct amount of laundry detergent per load is a simple way to save money!

And I also recommend doing full loads as much as possible. Not only will it save you electricity, if you pay for water, you’ll also save quite a few gallons too in the long run by doing only full loads!

5. Hang out your laundry

Dryers are one of the biggest energy hogs in your house.We use our drying racks a lot and we also love our retractable clothesline! It’s perfect for city living!

6. Switch your razors

Love quality razors but hate the high cost? Switch toHarry’sand enjoy the best of both worlds!

Their cheapest razor blades cost just $1.94 each! Check out Harry’s here.

7. Change light bulbs

We switched to nearly all CFL light bulbs about a year ago and were amazed at how much it lowered our electric bill!

We easily saved at least $15 a month. And while they do cost a bit more upfront, the savings definitely makes them worth it!

Ideas to Save Money on Miscellaneous Expenses

1. Reduce Prescription Costs

Are you uninsured? Do you have a high deductible insurance plan? Or maybe you need to take medication that isn’t covered by your insurance? As a former longtime pharmacy technician, I know just how expensive prescription medications can be!

Getting a free prescription savings card from InsideRx.com may save you money. It offers discounts averaging 78% on generic medications and 37% on select brand medications and can be used at more than 50,000 participating pharmacies.

They even have savings on select pet medications (human medicines commonly prescribed for pets) through their Inside Rx Pets card.

*Inside Rx is not insurance. Use is subject to eligibility restrictions and other terms and conditions at www.InsideRx.com.

2. Use the library

Unless it’s a book that youknow you really want to own, stop buying books and borrow them from your library instead!

I also just discovered Hoopla. It’s a great way to borrow ebooks, audiobooks and movies from your local library, but from the convenience of your home. So handy!

3. Swap the hotel

When we travel, we love using Airbnb for our accommodations. Not only is it often cheaper, but it’s also a lot more personal and we can usually find a place that has a kitchen or kitchenette too, which allows us to save money on food by making some of our own meals.

We’ve used Airbnb both in the U.S. and also in Europe. In fact, it was one of the big ways that we saved money on our family trip to Oxford, England last summer!

Sign up here for an Airbnb account and you’ll get a $40 travel credit. How’s that for helping you save money?

4. Save on Gas

Ride your bike or walk when possible. If you are using your car, combine errands to save on gas. If you are heading to an appointment or the grocery store, think about what other stops you could make while heading in that direction. It’s amazing how those little changes can add up to big savings!

The Upside app is another great, relatively easy way to save. It partners with thousands of gas stations to offer you cash back on your fuel purchases, typically around $0.05/gallon savings.

Check out the Upside App here and use code CACTUS25 to earn up to $025/gallon cash back on your first fill-up.

5. Switch to a cheaper cell phone provider

Chances are you are spending way more on your phone bill than you’d need to. There are lots of great inexpensive options available that could easily save you $100 a month!

We’ve used Ting for cheap cellphone service for over 5 years and don’t spend more than $35 a month total for my husband and me. Yes, total. It’s awesome!

6. Swap babysitting

If you’re like most parents, one of the big things that makes it hard to go on dates is finding a babysitter or being able to afford the cost of one.

An easy solution is to find another family that you trust and swap babysitting with them. This has been a big lifesaver, or maybe I should say marriage saver, for us!

RELATED: 20 Cheap Date Ideas that You’ll Love

A Frugal Mom's 25 Favorite Easy Ways to Savedo Money (10)

7. Skip the bought coffee and coffee drinks

Obviously, regular coffee is easy to brew at home, but did you know that you can also easily make your own frappes too? A quick search on Pinterest will help you discover lots of easy-to-make homemade lattes as well.

8. Drink more water

Not only will you be healthier, but you’ll also save big bucks if you skip the beverages both at home and when you go out to eat.

9. Get cashback when shopping online

If you’re going to shop online anyway, why not save in every way you can?

When I shop online, I love earning cashback with Rakuten! I’ve been using Rakuten since 2008 and earn an average of 5% cashback on almost all of my online purchases! It’s such a simple way to save money.

Interested in saving money with Rakuten too? Get $20 automatically if you create a Rakuten account through my link!

10. Eat out for less

When you do decide to eat out, watch for coupons that you can use to save on your bill.

Another great option is to join restaurant fan clubs (links can usually be found on their website) to receive money-saving offers. If you have children, learn which restaurants allow kids to eat free or for half price and dine at those places.

For chain restaurants, we also love saving by buying discounted gift cards from Raise.com and then using them to pay for our meal.

If you create an account at Raise.com through this link, you’ll also get $5 to use toward your first purchase as long as the transaction is within 30 days of signing up!

11. Buy greeting cards at Dollar Tree

I’ve been buying almost all of my greeting cards at Dollar Tree for years. You really can’t beat two cards for $1.00! That’s easily less than half of what you’d pay anywhere else.

Along the same line, I also like to buy gift bags and wrap there as well.

RELATED: What to Buy at Dollar Tree: My 35 Frugal Favorites

12. Shop Discount First

I don’t have time these days to go out and do a lot of shopping, but when I do, I usually first check places like Marshall’s, Ross and Burlington for the items that I need since they consistently have good prices!

13. Use Daily Deal Sites

Daily deal sites are a great option for saving money if you like to shop online! And there are loads of different daily deal sites anymore, so you’re sure to find a site that works for you.

Some of my favorites areGroupon(savings on experiences and restaurants),Groopdealz(home decor, baby & kids and a little clothing too),Zulily(clothing, home decor, household items, toys and more) andOne Kings Lane(great for home decor and kitchen items).

The only downside of these sites is that the deals are usually for a limited time, so you need to check the sites frequently to find good deals.

Or you can do like I do and just occasionally pop in to see what they have to offer. Sure, you might miss some great buys, but you can still benefit without investing quite as much time.