10 Daily Habits of the super frugal from #NotQuiteanAdult | Learning the habits of frugal people can teach you how to start a budget, how to make money, how to save money, how to retire early, and how to live frugally #money #finance #frugal
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10 Daily Habits of Frugal 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 completely destroying 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 with blog posts with titles like “daily habits of…”, hence the creation of this exact post!

Our blog posts often contain affiliate links, you can learn more in our very long (and very boring) affiliate disclosure!

I’m so fascinated by frugality that I’ve compiled everything I’ve learned about frugal living into a FREE 5-Day Course Called Five 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 figured out and you can 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 that you should implement in your personal life!

10 Daily Habits of Frugal People

#1 – They attempt to buy used

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 Facebook Marketplace, at second-hand stores, and websites like Craigslist 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 are 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 them up, and it’s like it’s brand spanking 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 between them and us is that 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 an emergency fund that’s fully funded.

#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 purchase. They’ll trade their email for 10% off and the second they make a purchase, they’ll unsubscribe from the newsletter. They also use free services to get cash back and coupons before making a purchase, what are these magical websites? Well, two of my favourites are:

  1. Ebates – The best cash back website on the internet
  2. Honey – The easiest way to check for coupons you may be missing

#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 human and we often develop habits that our closest friends have without even realizing it’s happening.

Frugal people have learned not to surround themselves with people who are bad with money, who spend too much and have a negative money mindset. Why? Because they don’t want to be dragged back into that lifestyle.

Want to find new friends? Reach out to some of your favourite finance bloggers! We spend 90% of our times alone on a computer and we could always use new internet friends. Let’s be friends, you can always email me using our contact form!

#5 – They repair before they replace

This is one of the most common things that frugal people learn from their parents/grandparents. 50+ years ago we didn’t live in a throw-away society and we were much more likely to fix something before we went out to replace it.

Hole in a sweater? Learn to sew! Broken television? Hire a guy!

Even if you can’t figure out how to fix it yourself, chances are you know someone or can find someone who can fix it for a fraction of the cost of buying something new.

#6 – They plan their meals

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 greasy burger.

Having a plan for your meals is the best way to save money every single day. When you have a plan or what you’re going to cook before you walk in the door after work, you’re much less likely to order dinner.

Not sure how to meal plan? I have the perfect solution.

  • There’s this amazing websites called $5 Meal Plan that will send you a weekly meal plan along with a grocery list for only $5 a month. This service takes all of the guess work out of grocery shopping and it’s my new obsession. I’ve created some really cool recipes and it really brought me out of my cooking rut. Get your first two weeks 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 been guilty of throwing away a product when there’s still a lot left just because I was too lazy to open it up and get the rest out.

It’s never that hard to get the last drops out of a bottle. You can save yourself at least $100 a year just by using the last of every product you use!

#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 a ton of frugal people are runners because it’s a free activity that also helps them lose weight and get stronger. If they aren’t focused on their health, they’ll have a hobby that they can monetize which is the best kind of hobby.

#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, it’s that feeling you get when your friends are out there doing things without you and you feel like you’re missing out on an experience.

FOMO is a huge reason why people try and keep up with the Joneses. 

Frugal people have battled FOMO and they’ve won. They know they shouldn’t compare their lives to others and they don’t let is control them. They’ll stay home when they don’t want to spend the money, or when they just simply don’t want to go! The key is not worrying about what other people think, which is easier said than done. 

#10 – 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 book that has 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 are looking for a good way to continue to learn about money, I suggest you sign up for my email list! I send out emails all about budgeting, making extra money, and other random personal finance topics! Join my email family!

10 Daily Habits of the super frugal from #NotQuiteanAdult | Learning the habits of frugal people can teach you how to start a budget, how to make money, how to save money, how to retire early, and how to live frugally #money #finance #frugal

Final 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 work on? Let me know in the comments!

You guys are the best, thanks for reading

xo Taylor

10 Daily Habits of the super frugal from #NotQuiteanAdult | Learning the habits of frugal people can teach you how to start a budget, how to make money, how to save money, how to retire early, and how to live frugally #money #finance #frugal

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!

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  1. Robbie says:

    I learned frugal living because we had to when I was a kid. I’m an engineer so I made a good living, but I didn’t want to be poor again, so I saved, a lot. My husband left me and I was a single mom, but because I was frugal and had a great job, my standard of living actually improved! I continued my frugal lifestyle, married a wonderful man and put my 2 kids through college all while maximizing my 401k and getting an MBA. My husband got cancer and things weren’t so great at work anymore, but hey, I’d hit all my financial goals and was able to retire to the beach at 56 (hubs is now cancer free). That was 10 years ago and we are in good shape financially. Now we work hard at being healthy.

    1. Taylor O'Halloran says:

      Oh wow! Retiring at 56 is so rare and awesome that’s so cool! I’m glad to hear your husband is cancer free, that couldn’t have been easy. thanks for reading! xo

  2. April says:

    Thanks for a great article. I am glad to have “discovered” your blog. I have been practicing most off these habits for years but some of them I need to work on. Without a doubt, staying home saves me the most money. I look forward to reading more from you.
    April C.

    1. Taylor O'Halloran says:

      Thank you so much!

  3. Thanks for sharing! Staying at home is important. There is less temptation to spend money on food, fuel, or whatever else when out and about!

    1. Taylor O'Halloran says:

      Thanks so much for reading ☺️

  4. This was a good read! I agree that having a productive hobby or inexpensive one is very helpful!

    1. Taylor O'Halloran says:

      Exactly! That’s why I started this blog, but now it’s my full time thing woot woot!

  5. Robin says:

    These are great tips.Thanks for sharing.I was never really taught about money growing up but have always had a frugal mind.I always get my clothes at a yardsale or thrift store and anything else I can get at a bargain.I am working on getting my credit score up now and I am living with my sister who doesn’t care about money or how she spends it and it makes me crazy.I am also looking to get my own place soon because of it.

    1. Taylor O'Halloran says:

      Ouch, it’s never fun to live with someone who doesn’t handle their money well. Hard to draw a line between what you can & cant say! I’ve been there!

  6. 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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