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How To Be Frugal: A Guide for Beginners

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Learning how to be frugal is one of the best things you can do for your finances – and your life! By making a little shift in your perspective, you can realize big savings.

Being frugal doesn’t have to be difficult; it is actually easy once you get the hang of it. To help you get started on how to live frugally and save money, I am highlighting 6 essential tips for becoming frugal.

What Does Frugal Mean?

Before we jump into how to live simply and frugally, let’s cover the basics and talk about what frugal means.

Often people are paralyzed in fear at the mere mention of the word frugal. Without having a firm grasp on what being frugal means, the concept can be overwhelming.

Being frugal means different things to different people, so let’s start with actually defining the word.

Frugal Definition

According to the Merriam Webster’s Collegiate Dictionary, Frugal is defined as “characterized by or reflecting economy in the use of resources.”

The definition, while useful, doesn’t shed a lot of light on exactly how to be frugal. So, what does being frugal mean in day-to-day life?

Frugal Lifestyle Meaning

Frugal means being mindful of your money and putting an end to frivolous spending. It means being intentional with your spending and carefully considering the value of something before you reach for your wallet. Being frugal means eliminating wastefulness and – ultimately – living a fuller life.

So, what does it mean to be frugal wrapped up in one sentence? Put simply: Learning how to be frugal with money means that you save where you can so that you can spend where you want.

How To Be Frugal Beginner's Guide by PositivelyFrugal.com

Why Becoming Frugal Is Difficult

There are several factors that keep people from learning how to become frugal. From getting started to breaking from the norm, being frugal has its challenges.

The first major hurdle is figuring out where to start. I think the best place to begin to be more frugal is with a goal! If this is your first go at setting goals, use my Tips for Setting Financial Goals.

Another reason many people are hesitant to fully embrace frugal living is because it requires a change in behavior. Making changes can make anyone uncomfortable – and adapting to frugal spending habits can be particularly painful. My tips on being frugal can help ease the discomfort.

The biggest deterrent to being frugal, however, is the common misconception that being frugal means being cheap – which carries a very negative connotation. No one wants to be labeled as cheap – which is why it is important to understand what frugal means (and to learn the difference between Frugal and Cheap!).

As humans, we have a tendency to fear the unknown, we are reluctant to change and we desire acceptance from our peers. The path to becoming a frugal person challenges each of these instincts.

How To Start Being Frugal

Although being frugal has its challenges, don’t fret! With a clear vision and a little perseverance, you can easily learn ways to be frugal. I am helping make it simple with my 6 steps on How To Live Frugal.

Six Steps to Being Frugal by PositivelyFrugal.com

6 Steps of How To Be Frugal

Now that covered the meaning of the word frugal and are aware of a few obstacles one might encounter, let’s dig into How To Become Frugal.

We think it is best to develop frugal habits over time; if you dive in headfirst, you will likely come up gasping for air and eager to get out of the water. If, instead, you ease in and take small steps toward learning to be frugal, you are more likely to realize the benefits of being frugal – and stick to it.

#1 Determine Wants and Needs to Shape Up Your Spending Habits

The first step in how to live more frugally is to define your needs versus your wants. Your needs are vital to living; your wants are the little bonuses that make life more enjoyable.

For example, clothing is a need; a pair of $150 designer jeans is a want.

Separating your needs and wants is a crucial step in how to live a frugal lifestyle. The experience, when done honestly, can be very eye-opening and help shape better – and more frugal – spending habits.

People who are not frugal tend to spend their money flippantly, not really paying attention to where their money goes or why. Therefore, if you want to learn ways to be more frugal, then you need to start with a budget.

Going through the process of creating a budget is invaluable when becoming frugal – which is why I give you a FREE Budget Worksheet when you subscribe!

Pro Tip: Get your finances in order with Budget Printables! From goal setting to bill tracking, everything you need is in my Budget Bundle!

Budget Bundle Printables by PositivelyFrugal.com

#2 Put an End to Instant Gratification

Spending money has never been easier. We live in a society where instant gratification is just one click away. However, in order to learn how to become frugal with money, you need to end the cycle of satiating yourself with items that cost money. I call this, Breaking Up With Stuff.

We are taught from a young age that we can sooth our displeasures with rewards, which are most often materialistic possessions. As we get older, we retain that theory and seek happiness in buying things. This is how people overspend, get into debt and often go broke.

The trick to how to live frugally and happy is to find alternate sources of pleasure…ones that don’t cost a dime. When you shift your rewards from materialistic purchases to free alternatives, you are adapting a frugal mindset.

That said, being frugal does not mean never spending money. It just means spending money on the right things – ones that will truly fulfill you, not just instantly gratify you.

Pro Tip: One of the top tips on how to be frugal is to take stock in what you already have…before you buy more. This little pause before purchasing allows you to decide if you really need to spend the money. On many occasions you will find that you can make do without making a purchase.

#3 Master How To Be Frugal with Food

Food tends to be one of the biggest line items in most people’s budgets. Therefore, one of the best ways to be frugal is to cut your food expenditures, especially when dining out.

We’re not suggesting that you stop eating! We do recommend, however, that you analyze your food spending and learn how to use a concise meal plan.

Take a few tips from the pros when planning your Frugal Meals. People who are living thrifty and frugal lifestyles rarely eat out, opting instead to cook at home.

They clip coupons, shop sales and stay prepared with Frugal Snacks. They bypass the coffeeshop in favor of brewing at home along with a Frugal Breakfast. They go food shopping ahead of time and plan and prep for Frugal Dinners.

We have so many tips on how to be more frugal with money when it comes to food – and you can find them all on our Frugal Food blog page.

Pro Tip: Organization is essential when learning how to be frugal with food – and Meal Planner Printables can help.

Meal Planner Kit printables by PositivelyFrugal.com

#4 Get Creative with How To Live Thrifty

Getting creative and thinking outside the box is an integral part of how to be more frugal with your money – especially when it comes to your home and entertainment.

How To Become More Frugal at Home

There are common ways of how to be thrifty at home, like reducing your water usage by taking shorter showers or lowering your electricity bill by slightly adjusting your thermostat.

However, you can find unique ways to be frugal at home, too. For instance, you can switch from paper towels to reusable rags, swap out resealable baggies for longer-lasting silicone ones and you can even learn how to make your own cleaners.

Pro Tip: Looking to make even bigger changes at home? Find top tips for slashing your spending at home in my blog post, Extreme Frugality.

Tips for Being Frugal while Being Entertained

Did you know that it is possible to be thrifty and save money and still have fun?! Believe me, it is…when you seek out affordable entertainment.

Ditch your gym pass and hit the local trails. Plan a frugal picnic lunch with friends instead of eating at a restaurant. Seek out free museums, movie showings and community activities to make a Frugal Date.

Finding frugal entertainment is easy when you know where to look. For a little inspiration, take a look at these articles; my favorite Frugal Hobbies and my massive list of 98 Free Activities!

Pro Tip: You will quickly condition yourself into finding freebies…and you might just realize that some of the best fun is free!

Get Started Now with a Free Budget Worksheet PositivelyFrugal.com

#5 Focus on Yourself

Learning how to be frugal involves a lot of self-introspection and commitment to making changes. However, there are external obstacles, as well. For many people, the biggest barriers to becoming frugal are peer pressure, competition and the “Keeping Up with The Joneses” stigma.

If you want to become frugal, you need to focus on yourself – not what everyone else is doing. Be strong in your conviction to spend money frugally. Ignore the quips from your friends. Don’t compete with materialist possessions. Forget about what The Joneses are doing (because they are likely going into debt to do it) and you’ll be on your way to achieving your money goals!

Pro Tip: You can kick start changes and focus on your behaviors by taking on challenges. Institute a No Spend challenge – or join my $5 Frugal Food Challenge to learn how to spend less on food.

Sign Up for the $5 Food Challenge Lead Magnet by PositivelyFrugal.com

#6 Commit To Living a Frugal Life

The last step to becoming frugal is to create frugal living habits – and, eventually, transform completely to a frugal life!

Continually set and adjust your finance goals. Get control over your debt. Learn how to make a budget – and keep it! Get into the habit of saving by setting up a sinking fund.

The more you practice how to be more frugal, the easier it becomes. The small changes and money-saving chores become second nature. You will develop frugal habits and your relationship with money will change.

This step doesn’t happen overnight; it takes time. You can’t just magically snap your fingers and instantly be relieved of temptation. All of our lives we’ve been conditioned into believing what success looks like and what should bring us happiness. The path to a frugal life will take some time but will be absolutely fulfilling in the end!

Pro Tip: With patience and perseverance it is possible to become Positively Frugal!

Debt Payoff Trackers and Debt Free Charts by PositivelyFrugal.com

Get Started with How To Become More Frugal

My top tip on how to live a frugal life is to get started…today! Set your goals, complete your budget and make changes toward frugal living habits! Find specific tips on my Budget and Goals blog page – but first, subscribe so that you can grab your free worksheet!

Subscribe to become PFF Budget Worksheet with Categories by PositivelyFrugal.com

Interested in more of my Life and Entertainment Tips? I round them all up on the Frugal Lifestyle blog page!

We Want To Know: How frugal are you? What are your best tips for how to be frugal and organizing your finances to save money?


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