10 Daily Habits of Frugal People

Hey beautiful people! 

It seems that frugal living is a real topic these days. People are either becoming crazy frugal or moving in the total opposite direction and ruining their finances. There has got to be a happy medium when it comes to frugal living and a truly balanced life.

But how do we find that line? I’ve always thought that a great way to learn is to take tips from how other people live and apply some of those tips to your own life! That’s why I’ve always been fascinated by the daily habits of frugal people. I’m so fascinated by frugality that I compiled everything I’ve learned into a FREE 5 Day Course Called 5-days to frugal! 

From what I’ve learned most people who are seriously frugal learned it in one of two ways. 

  1. They learn frugal habits from their parents and/or grandparents and it’s just ingrained in them from a young age 
  2. They experienced a serious financial hardship and were forced into frugality 

No matter how they learned it, frugal people have a lot of things figured out and you can really learn a lot from their experiences! They are serious experts on saving money and implementing even just a few of their habits can change your entire financial future. Let’s discuss 10 Daily Habits of Frugal People you should implement in your personal life. 

10 Daily Habits of Frugal People

#1 – They attempt to buy used before making any purchases

I’m going to assume you’ve heard the phrase “one man’s trash is another man’s treasure” and boy, that couldn’t be more true. Whenever you’re in the market for a hefty purchase you should always check on the Facebook marketplace, at second-hand stores, and websites like Craiglist or Kijiji because you never know what people are trying to get rid of.

It’s super common that people are trying to get rid of like-new items that they didn’t actually need to buy, or they’re getting caught in the rat race and just upgrading because they think they should. Frugal people have totally cracked this code and they know they can get big-ticket items for under 25% of the brand new sales price! Use some soap, clean the item, and it’s good as new! 

#2 – They have an emergency fund 

One thing that all frugal people understand is that bad things can happen at any time. They are always aware that sometime soon they may need money to fix something that they weren’t expecting, but the difference is they are always prepared for it. 

Since they know that financial disaster can strike at any time, they always put in the effort to steer towards saving more money and having a fully funded emergency fund. Having an emergency fund is the best way to protect against unexpected expenses. 


#3. They never leave money on the table 

Frugal people always know to check every possible chance of saving money or getting cash back for their purchases. They’ll trade their email for 10% off and then once they complete a purchase they’ll unsubscribe. They’ll use great websites like Ebates to earn great levels of cash back on all of their online purchases right after they’ve used the amazing browser extension Honey to check for any possible coupons they might be missing out on. 


#4. They seek out like-minded friends 

Have you ever heard that you are the sum of the 5 people you spend the most time with? It might sound kind of crazy, but it’s so true. We’re humans and we’ll often develop habits that our closest friends have without even realize it’s happening.

Frugal people have learned not to surround themselves with people who are money losers, who spend too much and have a negative mindset. Want to find new money friends? Reach out to your favourite finance bloggers, we’re always looking for new internet friends. Hit me up! (Seriously, I’d love to hear from you and become friends). 


#5. They repair before they replace 

This is one of the biggest things that frugal people learn from their parents and/or grandparents! 50+ years ago we didn’t live in such a throw-away society and people actually fixed things or got someone to fix them before they bought something new. Hole in a sweater? Learn to sew! Broken television? Hire a tv guy! (We all know I shouldn’t be trusted with tools and I’d never try and fix that myself).

Even if you can’t figure out how to fix it yourself chances are you know someone who can fix it for you for a fraction of the price of buying something new. This is definitely something that I want to do more. 


#6. They plan their meals ahead of time

Have you ever gotten home from a hard day at work to a fridge full of food but no plan? Even with a fridge full of food you’ve probably made the mistake of ordering food in or grabbing a burger! Planning meals ahead of time is one of the #1 ways to save money every single day. If you have a plan before you walk in your door at the end of the day you’ll be so much more successful.

Don’t know how to meal plan? I have the perfect solution for you! There’s this freaking awesome website called $5 meal plan. So, $5 meal plan sends you a meal plan AND a detailed grocery list each week for only $5 a month. It may sound a little excessive to spend $5 a month just to be given recipes but I promise you it’s worth it. $5 meal plan takes all the guesswork out of grocery shopping and meal planning and it’s my new obsession. Seriously, check them out and get your first month free


#7. They use every drop 

There are so many products that we use every single day and those costs really add up. I’ve seen people throw away a product when there’s still some left just because it’s hard to get it out. Pfft. It’s never too hard. Turn that bottle upside down and get those last few drops. It could save you a few dollars a year if you do this with every product. May not seem like much but it adds up


#8. They have a productive hobby 

Frugal people really understand the importance of not wasting their money and their time. They are often dedicating their time to a hobby and/or business that either makes them money or makes them healthier. You’ll notice that a lot of frugal people are runners because it’s a free activity that also helps you lose weight and get stronger!

If they aren’t focused on weight loss/health, frugal people often have a hobby that they’ve learned to monetize which is seriously the best kind of hobby.

Related Post: Hobbies that can turn you into a money-making maaaaachine


#9. They stay home 

If you’re ever on the internet I’m assuming you’ve heard of FOMO, but I’ll explain it a bit anyway. FOMO is the fear of missing out. In it’s most basic form, FOMO is when you feel seriously upset when your friends are doing things without you because you feel like you’re missing out on the experience. Or you see an outfit that you love and have to buy it because you fear missing out on the option of wearing it. Essentially, FOMO is one of the biggest things that makes us want to keep up with the Joneses.

Frugal people have battled FOMO and won. They are totally aware that they should not compare their lives to their peers and even though they sometimes may experience FOMO they don’t let it control them. They’ve learned to stay home if they don’t want to go or if they don’t have the money. This means they’re able to save tons of money and retire early because they don’t worry about what other people think. 


10. They never stop learning about money 

Most people who are highly frugal have been frugal for life and learned so many habits from their parents but they never stop learning about money. If you go into a super frugal person’s home and check out their book collection, chances are you’re going to find some kind of self-help money books that have taught them how to handle their money.

They also have tons of financial websites bookmarked on their computer (you should totally do that with this one, we can be friends… okay I think I’m just sounding desperate now, I promise I have friends…)! If you’re looking for a good way to continue to learn about money, I seriously suggest you sign up for my email list. I send out emails all about budgeting, making extra money, and other random personal finance topics with stuff you can’t find on this website! Join my little email family! 


10 Daily Habits of Extremely Frugal People | Daily Habits of Frugal People | Learning the habits of others is a great way to learn how to do things. Being frugal doesn't have to suck and you can implement some frugal living behaviours without ruining your life. Learn how frugal people budget, how they save money, and how they spend money. #frugal #money #financesFinal Thoughts 

Being frugal can be a great way to save money and really get on track for your finances. Which of these frugal habits do you already use in your everyday life? Are there any that you’re willing to try working on? Let me know in the comments! You guys are the best, thanks for reading! 







Taylor O'Halloran

Hey! My name is Taylor O'Halloran and I'm a huge fan of saving money any way I can.I'm obsessed with dogs and I love all kinds of cheese even though my stomach hates it.  I'm a recent university graduate who just wanted to do her own thing and see what happens! Follow me on the journey!


  1. Eloise Erwin says:

    One thing that I have had even as a child. It was a money jar. I put all of my loose change in it. I even put dollars in it and when I get coins large enough to roll, I roll them, take them to the bank and put in my checking account. Sometimes it is just a few dollars sometimes it is more. It really adds up. Don’t throw away your pennies. Pennies make dollars.

    1. Taylor O'Halloran says:

      That’s awesome! Every kid should have a money jar

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