I’m a Frugal Millennial: Here’s How I Stay Focused on Saving Money (2024)

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e=r.searchBoxForm.querySelector("[name=fr]"),n=r.searchBoxForm.querySelector("[name=fr2]");e&&r.config.searchBox&&r.config.searchBox.params&&r.config.searchBox.params.fr&&(e.value=i.searchBox.params.fr,e.disabled=!1),n&&r.config.searchBox&&r.config.searchBox.params&&r.config.searchBox.params.fr2&&(n.value=i.searchBox.params.fr2,n.disabled=!1),r.searchBoxForm.submit()}}),1e3)},r.recognition.onspeechstart=function(){},r.recognition.onspeechend=function(){r.recognition.stop()},r.recognition.onerror=function(){r.speechText&&(r.speechText.innerText=r.i18n.t("search.voice.recognition_error")),r.hideTrending(r),r.showRetryLink(r),r.errorAudio.play()},r.recognition.onaudiostart=function(){r.speechButtonContainer&&r.speechButtonContainer.classList.add("listening")},r.recognition.onaudioend=function(){r.speechButtonContainer&&r.speechButtonContainer.classList.remove("listening")},r.recognition.onsoundstart=function(){r.hideTrending(r),r.noSpeech=!1,r.speechButtonContainer&&(r.speechButtonContainer.classList.remove("listening"),r.speechButtonContainer.classList.add("speaking"))},r.recognition.onsoundend=function(){r.speechButtonContainer&&r.speechButtonContainer.classList.remove("speaking")},r.recognition.onstart=function(){r.recognitionInit(r),r.startRecognition(r)},r.recognition.onend=function(){r.isRecognitionStart=!1,0==r.noSpeech&&""==r.speechResult&&(r.speechText&&(r.speechText.innerText=r.i18n.t("search.voice.recognition_nomatch")),r.hideTrending(r),r.showRetryLink(r),r.errorAudio.play())},document&&document.dispatchEvent&&document.dispatchEvent(new Event("VOICE_JS_READY"))}}o.I18n=m,o.prototype.renderPermissionGuide=function(e){var n='\n

    \n

    \n

    \n

    \n

    \n

    \n

    \n

    '.concat(e.i18n.t("search.voice.permission_title"),'

    \n

    ').concat(e.i18n.t("search.voice.permission_text"),"

    \n

    \n

    \n

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    \n

    \n

    \n

    \n

    \n

    \n \n \n \n \n \n \n

    \n

    \n

    \n \n \n '.concat(e.i18n.t("search.voice.recognition_retry"),'\n

    \n

    \n

    \n

    \n

    \n

    \n ').concat(e.i18n.t("search.voice.trending_title"),'\n \n

    \n

    \n

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e)&&("SpeechGrammarList"in e||"webkitSpeechGrammarList"in e)}}],d=0;d0){var n=e.speechResult.charAt(e.speechResult.length-1);"."!==n&&"?"!==n&&"。"!==n&&"?"!==n||(e.speechResult=e.speechResult.slice(0,-1))}},o.prototype.sendBeacon=function(n,t){var o=e.YAHOO.ULT||{},i=e.YAHOO.SB||{};if(o.beacon_click){var r={_S:i.config.i13n.spaceid,_I:i.config.i13n.pvid,actn:n,sec:"search",slk:t};e.YAHOO.ULT.beacon_click(r)}},o.prototype.ajaxReq=function(t,o){var i,r,a=XMLHttpRequest.DONE||4,s=new XMLHttpRequest;if(n.documentMode&&n.documentMode<10)return(new e.XDomainRequest).onload=function(){try{r=JSON.parse(i),o(r)}catch(e){return}},s.open("GET",t),void s.send();s.onreadystatechange=function(){if(s.readyState===a)if(200===s.status){i=s.responseText;try{r=JSON.parse(i),o(r)}catch(e){return}}else o(r)},s.open("GET",t,!0),s.timeout=1e4,s.send()},e.YAHOO||(e.YAHOO={}),e.YAHOO.Util||(e.YAHOO.Util={}),e.YAHOO.Util.VoiceSearch=o}(window,document)}();var Wn={containerClass:Un.tooltip,textClass:Un.tooltip__text,showClass:Un["tooltip--show"]},Jn=["zh-hant-tw","zh-hant-hk"];ye("ybar-mod-searchbox",(function(e){var n={ybar:document.getElementById("ybar"),searchInput:document.getElementById("ybar-sbq"),buttonBar:document.querySelector(".".concat(Un["sa-btn-bar"])),voiceSearchBtn:document.getElementById("ybar-sbq-voice"),searchForm:document.getElementById("ybar-sf"),searchBoxIcon:document.querySelector(".".concat(Un["searchbox-icon-uh3"])),searchBoxPlaceholder:document.getElementById("ybar-smartphone-searchbox-placeholder"),searchBoxBackButton:document.getElementById("ybar-search-back-btn"),shopsButtonsWrap:document.querySelector(".".concat(Un["shops-buttons"])),categorySelect:document.getElementById("shops-category-select"),selectedMerchantInput:document.getElementById("selected-merchant-input"),selectedMerchantClearButton:document.querySelector(".".concat(Un["selected-merchant-clear-button"])),submitSearchBtn:document.getElementById("ybar-search"),clearSearchBtn:document.getElementById("ybar-sbq-x")};!function(e,n){var t,o,i,r=e.getConfig();if(n.ybar&&"desktop"===r.device&&(null===(t=r.bucketConfig)||void 0===t?void 0:t.highlight_searchassist)&&(null===(o=r.bucketConfig)||void 0===o?void 0:o.overlay_class)){n.ybar.setAttribute("data-ovrly-bkt",r.bucketConfig.overlay_class),null===(i=n.searchForm)||void 0===i||i.classList.add(Un[r.bucketConfig.overlay_class]);var a=document.createElement("div");a.classList.add(Un.overlay,Un[r.bucketConfig.overlay_class]),document.body.appendChild(a),e.onDestroy((function(){document.body.removeChild(a)})),e.addElementListener(n.searchForm,"focusout",(function(e){if(n.searchForm&&n.searchInput){var t=e.relatedTarget;t&&!n.searchForm.contains(t)&&window.YAHOO.SA&&window.YAHOO.SA.apps&&window.YAHOO.SA.apps[0]&&window.YAHOO.SA.apps[0].view.shown&&window.YAHOO.SA.apps[0].view.hide()}}))}}(e,n),Fn(e,n),n.voiceSearchBtn&&function(e,n){var t=e.getConfig(),o=t.locale,i=function(){var e,t;(null===(t=null===(e=window.YAHOO)||void 0===e?void 0:e.Util)||void 0===t?void 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    I’m a Frugal Millennial: Here’s How I Stay Focused on Saving Money (2024)

    FAQs

    I’m a Frugal Millennial: Here’s How I Stay Focused on Saving Money? ›

    To stay focused on these goals and save money, it can help to question what you're buying and why you're buying it. Maybe you're spending too much on shopping because you're bored, for example, not because you can't find better deals. “I curb impulses.

    How to be frugal and save money? ›

    Ten Frugal Habits to Save Money
    1. Track Spending.
    2. Automate Your Savings.
    3. Save Loose Change.
    4. Compare Prices & Comparison Shop.
    5. Avoid Spending Triggers.
    6. Shop Second Hand.
    7. Save Windfall Income & Use a Spending Rule of Thumb.
    8. Institute a Waiting Period.

    What is frugal when it comes to money? ›

    Frugal living is a lifestyle characterized by mindful spending and resourcefulness aimed at maximizing value and minimizing unnecessary expenses. It involves making deliberate choices to prioritize needs over wants, avoiding unnecessary purchases, and finding creative ways to stretch your money further.

    What are the money habits of millennials? ›

    Millennials prioritize building good credit for financial independence, with 84% believing it's crucial. And that independence is important to them. The same study found that 47% of millennials say they're at least “somewhat” financially dependent on their parents, compared to 61% of Gen Zers.

    How do you wise in using your money to have enough savings? ›

    How to Manage Your Money Wisely
    1. Make a plan. Having a financial plan is about more than figuring out how much of your paycheck is left after the bills are paid. ...
    2. Save for the short term. ...
    3. Invest for the long term. ...
    4. Use credit wisely. ...
    5. Choose a reasonable rent or mortgage payment. ...
    6. Treat yourself. ...
    7. Never stop learning.

    How to lead a frugal life? ›

    Frugal living tips
    1. I do the less-desirable thing. ...
    2. I buy stuff I'll need later whenever it's on sale. ...
    3. I compare per-ounce costs before I buy. ...
    4. I buy different foods from different sources. ...
    5. I'll wait to buy some things I want until I have a coupon. ...
    6. I check warehouse clubs and big-box stores for gift cards.
    Mar 29, 2024

    How do you live a simple frugal life? ›

    12 Tips for Frugal Living
    1. Choose quality over quantity. ...
    2. Prioritize value over price. ...
    3. Use credit wisely. ...
    4. Declutter regularly. ...
    5. Use a budget to guide your spending. ...
    6. Know the difference between wants and needs. ...
    7. Be a savvy consumer. ...
    8. Prioritize your values.
    Oct 17, 2023

    What is a frugal mindset? ›

    Having a frugal mindset means you value what you have and what you've done to attain it.

    How to tell if you're cheap? ›

    15 Signs You Are Being a Cheap Person
    • Letting DIY Turn into BIY (Break It Yourself) ...
    • Sneaking Refreshments Into Movies. ...
    • Hoarding at Home. ...
    • Stockpiling Condiments. ...
    • Reusing Paper Goods. ...
    • Doing Only Free Activities. ...
    • Being Nosy about Other People's Money. ...
    • Always Snagging Leftovers.
    Dec 7, 2022

    How can I be frugal instead of cheap? ›

    15 Tips for Living Frugally Without Looking Cheap
    1. Eliminate monthly subscriptions.
    2. Shop for new insurance.
    3. Reduce prescription costs.
    4. Buy used items.
    5. Rent, don't own.
    6. Purchase at the right time.
    7. Buy high-quality products.
    8. Enlist your friends.

    Why do millennials struggle financially? ›

    Key Takeaways. Millennials are confronting the distinct financial challenges they have, such as a post-recession job market, high student loan debt balances, a more expensive housing market, and growing credit card debt.

    Why are millennials so rich? ›

    There may be another factor creating so much wealth among millennials: inheritances. In what's known as “the great wealth transfer,” baby boomers are expected to pass down between $70 trillion and $90 trillion in wealth over the next 20 years. Much of that is expected to go to their millennial children.

    What do millennials value most in life? ›

    Millennials embody a set of evolving values and aspirations that greatly influence their choices and behaviors. This generation highly values authority, achievement, and influence, demonstrating a strong desire for control, success, and recognition.

    What is the golden rule of saving money? ›

    The rule is simple: spend less than you earn. The basic idea behind the Golden Rule of Spending is that you should always spend less than you earn. This means that you should only spend what you make in income, and you should be careful to budget your money in a way that allows you to save and invest for the future.

    How do I make sure I am saving enough? ›

    At least 20% of your income should go towards savings. Meanwhile, another 50% (maximum) should go toward necessities, while 30% goes toward discretionary items. This is called the 50/30/20 rule of thumb, and it provides a quick and easy way for you to budget your money.

    What is the smartest way to spend money? ›

    7 ways to spend smarter
    • Know where your money goes. Look back over your spending and categorize where your money has gone, for example on gas, home repairs, and eating out. ...
    • Create a budget. ...
    • Identify quick wins. ...
    • Set up multiple accounts. ...
    • Remember to save. ...
    • Set up recurring payments. ...
    • Limit credit card use.

    What is the 70 money rule? ›

    The 70-20-10 budget rule simplifies money management by allocating income into three categories: living expenses, savings/debt repayment, and investments/donations. Living expenses should consume 70% of after-tax income, covering necessities and discretionary spending.

    How to be extremely cheap? ›

    What are some tips for being frugal?
    1. Create a budget and stick to it. Being frugal begins with this tip. ...
    2. Shop around for the best deals. Buy what you need from the first store you see, but don't just go to the first one you see. ...
    3. Buy used instead of new. ...
    4. Make your own stuff. ...
    5. Repurpose and recycle. ...
    6. Be patient.
    Aug 22, 2023

    What is the 30 rule for money? ›

    The idea is to divide your income into three categories, spending 50% on needs, 30% on wants, and 20% on savings. Learn more about the 50/30/20 budget rule and if it's right for you.

    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.”

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