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Living frugally isn’t just about saving money—it’s about making smarter choices that fit the times. For GenXers like me, balancing personal goals and financial stability is everything. Here’s a look at how I’ll be cutting costs, staying practical, and thriving in 2025.

Putting the Budget First

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To keep expenses in check, I stick to a detailed monthly budget. I use free budgeting apps to track every dollar spent. By categorizing needs and wants, I’ve made smarter spending decisions and cut out waste. It’s not just about discipline; it’s about knowing exactly where the money goes.

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Mastering Meal Planning

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Grocery shopping gets expensive when it’s impulsive. I sit down every week to plan meals so that no food goes to waste. Shopping with a list and sticking to it has saved me hundreds a month. Plus, cooking at home instead of dining out has been a real game changer—both for my wallet and my health.

Buying in Bulk

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I’ve gone all-in on wholesale memberships, and it’s paying off. Essentials like rice, toilet paper, and canned goods cost way less when bought in bulk. The upfront cost is higher, but it saves so much long term. And with proper storage, there’s no fear of wasting anything.

Choosing Public Transport

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Owning a car is expensive, from maintenance to gas. These days, I rely on public transportation whenever I can. Monthly passes are a fraction of the cost of owning a vehicle. I also walk more for short trips, which keeps me active while keeping transportation costs low.

Cutting Energy Bills

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Small changes can save big on utilities. I’ve switched to LED bulbs, unplugged unused electronics, and weatherproofed windows. During winter, I rely on layered clothing to avoid cranking up the heat. In summer, ceiling fans use far less energy than air conditioning.

Shopping Secondhand

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Thrift stores and online resale sites have become my go-to for clothes, furniture, and home goods. Quality items are often available at a fraction of the original price. Plus, it’s a way to recycle and reduce waste. Why pay full price when secondhand does the job?

Ditching Needless Subscriptions

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I took a hard look at subscriptions and got rid of the ones I barely used. I’m down to one streaming service and use free alternatives for news and entertainment. It’s surprising how much these add-ons drain monthly budgets without noticing.

DIY Repairs

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Paying for repairs or hiring help is expensive. I’ve learned to handle minor home repairs, paint jobs, and even basic car fixes myself. Online tutorials are a goldmine for learning these skills. Plus, doing things yourself adds a sense of accomplishment.

Embracing Minimalism

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I stopped buying stuff I didn’t need. Fewer possessions mean less clutter and fewer expenses overall. I try to only buy things I truly need or will get long-term use from. This approach also helps me appreciate what I already have more.

Swapping Entertainment for Free Options

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There’s no need to spend big to have fun. I’ve embraced free local events, like outdoor concerts and community gatherings. Public parks, libraries, and even volunteer activities have filled my weekends. Entertainment doesn’t have to break the bank when there’s so much happening for free.

Using Coupons and Rewards

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I never shop or check out online without looking for discounts or applying rewards. Apps and loyalty programs have made finding deals and earning cashback easier than ever. Even small savings add up when you use them consistently.

Managing Health Smartly

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Healthcare is expensive, but I’ve found ways to reduce costs. Regular check-ups help catch issues early, saving money on treatments later. I also compare prescription prices through discount services and use telehealth when possible—it’s cheaper and more convenient.

Fixing Instead of Replacing

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I work hard to keep items lasting longer. From patching up clothes to fixing electronics, repairs extend usability. I’ve invested in tools like sewing kits and used online guides to restore broken items instead of tossing them.

Making the Most of Libraries

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My local library is a hidden treasure. I borrow books, movies, and even digital resources like eBooks and audiobooks for free. Some libraries even have community classes and equipment rentals. It’s incredible how much value the library offers at no cost.

Cooking in Batches

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Batch cooking has completely changed how I eat and spend. I prep meals for the week ahead on Sundays, freezing portions as needed. It saves time on busy weekdays and keeps me from blowing cash on takeout. Plus, my home cooking is healthier than fast food.

Exploring Free Apps

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There’s an app for everything—and many are free! I use apps to track spending, find grocery deals, and even manage fitness goals. It’s easier than ever to simplify life without shelling out for pricey tools.

Building a Capsule Wardrobe

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I cut my clothing down to versatile basics that mix and match easily. This minimalist approach saves time and money while reducing decision fatigue. Quality over quantity is key—I invest in durable staples that last.

Getting Creative with Gifts

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Gift-giving doesn’t have to be costly. I’ve started making homemade items like baked goods or offering services like babysitting. Thoughtful gestures and experiences carry more meaning than expensive purchases anyway.

Downsizing my Space

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Housing isn’t cheap, so I downsized to a smaller home. A compact space costs less to maintain and reduces utility bills. It’s also made me rethink what I really need, freeing me from unnecessary clutter.

It’s About Priorities

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Living frugally in 2025 isn’t about deprivation—it’s about prioritizing smart choices. By reducing waste and focusing on what truly matters, I’ve found both financial freedom and peace of mind. If my way of life inspires even one person, it’s well worth it. Frugality isn’t just practical; it’s empowering.

13 Things Frugal People Always Buy at the Dollar Tree

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Dollar Tree is a favorite spot for anyone looking to save money while still being able to afford everything they need. Frugal people know it’s the place to snag great deals on everyday items and many swear by the value of certain staple items. These are the top picks that never disappoint and keep frugal shoppers coming back. 13 Things Frugal People Always Buy at the Dollar Tree

I’m Frugal, But I’m happy To Spend Money on These 15 Things

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When living a frugal lifestyle, spending money wisely is key. It’s easy to assume frugality means avoiding all unnecessary expenses, but that’s not the case. Instead, frugal people are willing to spend money on the things that matter most to them. Here are 15 things I’m happy to spend more money on because they are important to me and align with my values. I’m Frugal, But I’m Happy To Spend Money on These 15 Things