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Let’s be honest! Some purchases are just a straight-up waste of money, and frugal people figured that out a long time ago. While the rest of us are draining our wallets on things we barely use, cheap people (we mean that as a compliment!) are quietly keeping more cash in their pockets and saving their money for what they really want. Here are 14 things cheap people flat-out refuse to buy, and they’re not wrong! Paper Towels Do you know what works better than paper towels? They can be reused and save a lot of money in the long run. Rags. Paper towels can be pricey, and they’re a one-time-use product that wastes natural resources. Rags Speaking of rags, you don’t need to buy your rags! You can use old clothes, sheets, or towels and cut them to the size you want. If you don’t have any, then you can ask neighbors and friends if they have any worn-out towels and clothes to give away. Most people just throw these out, so they will be happy to give them to you. You can also go to thrift stores and ask for any stained or damaged clothing. Extended Warranties Every once in a while, these work out, but mostly, companies make pure profits on services people almost never use. Plus, you usually know if you have a clunker before the regular warranty runs out. Bottled Water More and more, we’re learning about how plastic waste is clogging waterways, ending up in our oceans, causing pollution, and harming wildlife. America has safe drinking water. Take advantage of it with reusable bottles and containers. New Cars Inflation didn’t spare cars, and while it affected both used and new cars, the sticker prices on most new cars are eye-popping. You get much better value with a later-model used car in good condition, and you avoid the huge loss in value that comes the second you drive a new car off the lot. Brand-Name Foods and Items In the grocery store, you can often buy generic brands that cost less and have the same quality as name brands. The same often applies to clothing, where even if the store doesn’t have its own line, you can still get better value by avoiding the biggest names. Cable Cable has been in decline for some time now, and for good reasons. It’s expensive, customer service is notoriously awful, and there’s so much junk. With streaming and other media content services widely available now, frugal people are cutting the cord, so to speak. Store-Made Coffee Coffee at places like Starbucks is expensive, and it usually isn’t any better than products you can brew yourself. It’s okay to treat yourself once in a while, but frugal people don’t make a habit of sipping away their paychecks with frequent trips to the barista. Fast Fashion Hot fashion trends sweep the nation and then flame out
We all like to rag on boomers a bit, but the people who have the most knowledge are the ones who have been around the longest. The older generation has wisdom to share, and they do so freely and happily. Often, they provide greater insight and tips than other communities because they’ve lived a long life of experience. Here are some tried-and-true frugal living tips that are just as smart now as they were decades ago. Build Up Your Pantry Each time you go grocery shopping, pick up one extra non-perishable item that’s not on your list or needed right away. Over time, you’ll build a solid pantry that can help you through those weeks when your paycheck runs out before the week does. Some weeks, when you have extra cash, grab a larger item like laundry detergent or pet food. Learn to Repair Things Before replacing something, try fixing it first. With all the tutorials available online today, there’s a good chance you can repair anything from a leaky faucet to a noisy dishwasher. Not only will you save money, but you’ll also feel more capable and resourceful. Keep the Change At the end of each day, toss your spare change into a jar or container. Once it’s full, roll it up and deposit it into your savings or use it for something fun, like a vacation fund. You’d be surprised how quickly coins add up. Don’t Leave Free Money on the Table If your employer offers a 401(k) match, stock options, or any other financial incentive, take full advantage of it. It’s essentially free money, and by not participating, you’re leaving cash on the floor that could be working for your future. Pay Yourself First Before paying bills or spending on anything else, automatically transfer a small amount into savings or an investment account. Even $10 a week adds up over time, and you’ll thank yourself later when you’ve built a cushion without even noticing the difference. Shop Second-Hand Buying pre-loved clothes, furniture, and even electronics can save you a ton. With online thrift stores and resale platforms like ThredUp and eBay, finding quality second-hand items is easier than ever and better for the planet, too. Plan Ahead for Pet Expenses If you have pets, set aside a small amount each month for their care. You’ll cover food, vet visits, and emergencies without scrambling to find the money later. Treat it like any other household expense; it’s one less surprise to stress about. Don’t Forget to Splurge Sometimes Saving money doesn’t mean never enjoying yourself. Just like with dieting, being too strict can lead to burnout. Allow room in your budget for the occasional coffee run or dinner out with friends, just do it intentionally, not impulsively. Look Down for Better Prices Next time you’re at the grocery store, check the lower shelves. Items at eye level are often the most expensive because that’s where brands pay to be displayed. Look a little lower (or higher), and you’ll
Mark added another gadget to his online cart late at night. The flashy ad promised instant happiness. Yet the next morning, guilt hit hard when he checked his balance. Many recognise this cycle too well. Impulse buying sneaks in during moments of weakness. It promises joy but often delivers stress instead. We see how small […] The post Put an end to impulse buying: 7 smarter spending habits appeared first on Wealthysinglemommy.com.
Image source: Shutterstock.com A neighbor offers a few extra plants from their garden, and suddenly the yard feels like it just got a free upgrade. Those gifted cuttings or divided perennials often arrive with good intentions, but they can quietly introduce aggressive species that take over faster than expected. Many of the most problematic invasive plants spread through roots, seeds, or creeping stems that refuse to stay contained. What starts as a charming addition can […]
A durable retirement income plan is not just about generating income. It is about making a series of interconnected decisions that must hold up over decades. It needs to provide reliable cash flow, manage risks such as market volatility and longevity risk, preserve flexibility as circumstances change, and support long-term goals like leaving a legacy. In practice, the difference between a plan that looks good on paper and one that actually holds up often comes down to […]
Stop. I know you read this title and attempted to turn and flee back out the door. I anticipated this and caught you by the back of your shirt. We need to talk about this now. If you’re reading this blog, you’re likely Millennial or Gen Z. They’re the largest pie slice of animal lovers—one in three owns a pet. And our attitudes about pets are really intense. Half of us describe loving them more than our own mothers. And all of those pets are doing the absolute worst thing any pet can do: getting old without us. You likely won’t have experience with being solely, directly responsible for managing a living being’s decline and death. So we’re going to explain what’s gonna happen, and give you our very best insights. I promise to make this discussion as brief, honest, and detached as possible. We’ve written maudlin tear-jerkers about pets before, and I swear this won’t be one of those. But this is a subject that’s sadly present for both of us right now. Life’s given us lemons recently; this guide will be the lemonade. We want to give some guidance to the people who will one day face the same challenge, so they can feel prepared. All of this advice comes straight from our hearts. At the end, there’s a handy checklist for your convenience. If you do everything on it, you’ll be as ready as you can be for the end of your pet’s life. Many of them are actions you can start taking long before your pet gets grey around the muzzle, so don’t put off reading it. This article was originally written when Jess and I were both navigating the end of a pet’s life. Life simultaneously gave us lemons; this guide was the lemonade we offered to you! Because this has remained one of our most shared articles of all time, we’ve decided to present it again in both audio and video formats, to make it as accessible as possible. It has been lightly expanded since its original publication, integrating some great comments and feedback we got from readers, including both pet owners and veterinary professionals. [embed]https://youtube.com/watch?v=7Hch8ga9xTk&version=3&rel=1&showsearch=0&showinfo=1&iv_load_policy=1&fs=1&hl=en-US&autohide=2&wmode=transparent[/embed] Why does this feel so hard? If you read this blog, you’re likely Gen Z or Millennial. They’re the largest pie slice of animal lovers—one in three owns a pet. And our attitudes about pets are really intense. Half of us describe loving them more than our own mothers! And all of those pets are doing the absolute worst thing any pet can do: getting older faster than us. A lot of our readers are too young to have experienced being solely, directly responsible for managing a living being’s decline and
Your budget doesn’t need perfection. It needs consistency that bends when life does. If you’ve ever felt like budgeting only works when everything else in life is calm and predictable—this article is for you. Here’s how to stay grounded in your money plan even in the chaos. The post How to Stay Consistent With Your Budget—Even When Life Gets Messy appeared first on The Budget Mom.
There are a lot of things wealth is good for, but one of the most underrated benefits is being able to buy peace and quiet. As I was sitting in the hot tub with my two children at Everline Resort in Lake Tahoe, I couldn’t help but feel a little frazzled by all the noise. […] The post One Of The Best Benefits Of Wealth: Buying Peace And Quiet appeared first on Financial Samurai.
If you’ve ever stood at a grocery checkout unsure what you can buy with EBT, you’re not alone. Quick answer MP What… The post Everything You Can Buy With EBT in 2026 (+ 10-Second Trick to Check Any Item!) appeared first on MoneyPantry.com.
Mother’s Day will be here before you know it. If you’re like most people, you probably wait until the last minute trying to figure out what to get. The good news is you don’t need to stress; there are plenty of great gift options out there, whether you’re trying to keep it simple or…
When I was younger, I had a simple budgeting strategy for making decisions. I called it my trifecta theory. If something checked three boxes… Financially smart, Personally beneficial, and Efficient …I was in. If it only checked two? Still good. That was a “duofecta.” At the time, I didn’t think of it as one of my budgeting strategies—but that’s exactly what it was. However, I found it doesn’t work the same now as it did […]
If someone sounds certain about your finances without knowing your situation, that’s your first red flag.
DW was chatting about the possible SpaceX IPO, having just seen a youTube video about it. I commented that IPOs are generally overpriced and have often not a great investment historically, but that although SpaceX isn’t yet listed, you can get some exposure via some listed investment companies that gained exposure to the private SpaceX shares issued during various rounds of capital raising, and