The other day, I came across a really good article at Eat Local Grown entitled "Ten Daily Habits of Frugal People." Here's that list:
1. Frugal people use everything right to the last drop.
2. Frugal people like to stay home.
3. Frugal people don't spoil their children.
4. Frugal people have productive hobbies.
5. Frugal people don't shop as a form of entertainment.
6. Frugal people save pennies throughout every single day.
7. Frugal people put aside emergency funds.
8. Frugal people cook from scratch.
9. Frugal people do things the low-tech way.
10. Frugal people repair things.
All of these ring home for me as they accurately describe the way my family does things at home, and it inspired me to start looking at my own life for habits and routines that subtly define our lives and make sure that spending less and wasting less comes naturally to us.
1. Frugal people think ahead when it comes to food.
What do you do when you get off of work and you're hungry?
Do you have something in place at home that you can prepare for a simple low-cost dinner? Or does your mind wander through a plethora of restaurant and take-out options?
When you're hungry on a weekend, do you have several clear meals in place that you can prepare? Or do you dig through the cupboards, finding little, and then eventually find yourself either preparing something unfulfilling or simply calling for delivery?
As a general rule, frugal people tend to plan ahead for meals. They take the steps necessary to ensure that they have something low-cost and prepared at home for most meals and take extra steps to make it more convenient when time is tight.
I'll use myself as an example. I can tell you what I'm going to have for lunch today, dinner this evening, breakfast tomorrow, lunch after that, and dinner after that without skipping a beat. If I check our meal plan, I can tell you about the next few days after that, too.
That doesn't mean there's no room for spontaneity in there — if something changes, I can certainly freeze a meal or put it off for a day — but it does mean that I'm not going to find myself at 5 p.m. wondering what I'll have for supper, because that means I'm probably going to wind up getting delivery or take-out food, which is expensive.
There are a lot of elements to this. One big part of this is meal planning. Whether done formally with an actual meal plan written out somewhere (we do this on a white board hanging in our entryway) or more informally with just a bunch of meal options available is up to you, but in either case you have meal ideas ready to go.
Another part is grocery planning, where you go to the grocery store with a list based at least in part on this meal plan.
2. Frugal people buy household supplies in bulk.
It's far cheaper to buy nonperishable goods in bulk.
If you buy a jumbo container of hand soap, for example, it's going to be far less expensive than buying the same amount of hand soap in a bunch of small containers. Even more than that, it's going to take more time to keep buying hand soap over and over.
That same phenomenon holds true regardless of what nonperishable goods you're talking about. Toilet paper. Trash bags. Deodorant. Bath soap. Shampoo. Toothpaste. Dental floss. The list goes on and on and on.
It is just far cheaper to shop around a little, buy those items in bulk when you need them, and maybe refill when you see that item on sale than it is to keep adding a small item to your grocery list each time you run low. It saves time, too.
Another advantage: When I buy in bulk, if I notice I've run out of toothpaste (for example), I can just turn around and pull another tube right out of the closet, only noting that I need to buy more if I'm pulling the last tube out of the closet.
If I'm buying these kinds of things one tube at a time (or one small package of trash bags at a time and so on), it's far easier to run completely out when you least expect it, leaving you without the item you need at a very inconvenient moment.
It saves money, saves time, and reduces inconvenience. That's a triple win.
3. Frugal people use community resources frequently.
Almost every community has a ton of free or low-cost resources that people can utilize if they pay attention and are aware of them.
Take, for example, the town we live in. There's a great library that offers thousands of books, interlibrary loan for more books, DVD rentals, study rooms, and other features, including meeting space for community groups. There are several parks, some featuring hiking and bicycling trails. There are also several separate bicycling trails beyond the parks.
The town offers several free community events throughout the year, usually culminating in a community festival in August that's free to attend. The town has a food and clothing pantry for those in need of those items, too. There are several community groups in town, many of which host different community events throughout the year. There are at least two free community dinners a week.
That's just the stuff going on in my small town. If I go to the nearest large city – Des Moines – there's basically an overload on free things to do in the community and free resources to utilize if I want to use them.
The trick is that you have to really look for these things. They're generally not pushed in your face all the time via advertisement, as businesses usually are. You have to take the initiative by visiting your community website and your local library's website and reading local publications.
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