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Frugal people share 15 silly money-saving tips guaranteed to save you a few bucks

Simple changes can really bring down your electric bill.

via Unsplash

Hand holding an unplugged electric cord and hand holding rolled up money.

Most adults periodically examine their lives to try to figure out where they can save money. It might be cutting one of the streaming services we're not using or dialing back the Starbucks PSLs. However, the people on the subreddit r/frugal take saving money to a whole new level.

A recent thread posted by u/Jskyesthelimit was chock-full of solid gold advice for anyone looking to trim the budget but who doesn't want to put in a lot of work. (Yeah, yeah — we all know meal-prepping is effective, but who's got the time? We're looking for easy wins, here.)

The prompt, "What's the little effortless, stupid thing you do that TECHNICALLY saves you money?", got some responses and tips you've probably never thought of.

They're small, they're silly — but they do add up.

1. Spend more time outside

"if i go outside and play all day, i don't have consumerist urges to buy stupid shit." - looney417

Can't spend money if you don't go into a store!

It's a good idea to get away from your phone or laptop for a while, too. If you're not careful, you can buy a hundred dollars worth of junk on Amazon before you even realize what's happening.

2. Time your dishwasher runs

"When our dishwasher is full and ready to be started, I set an alarm on my watch for 9pm. I start the dishwasher when the alarm goes off since the electricity rate goes down after 9pm." - misterfuss

dishes, dishwasher, clean dishes, unload dish, money hacks, kitchen hacksA half loaded dishwashervia Nathan Dumloa/Unsplash

Did you know that electricity costs more during "peak hours"? Where I live, power can cost up to 4x as much from 2-7pm versus off-peak hours.

Most people run the dishwasher at night anyway, but you should look up your own local peak hours. Starting the nightly load at 9 instead of 8 every night could actually save you a couple of bucks a month.

I like that you can program a Google Nest to do this for you. It knows how expensive electricity is at different times, and will manage your supercooling for you.3. Fill a large water bottle at work before you leave.

u/MrPerfectionisback swears by this one.

Getting a gigantic, high-quality water bottle could be a great investment if you're able to top it off at the office every day and bring your water bill down a smidge.

4. Use less laundry detergent

Most of us approach laundry detergent with a "fill 'er up" attitude. But, usually, you can get away with even just one tablespoon if your clothes aren't that dirty. and using less will help your clothes last longer.

u/jbblue48089 also recommends using solid bar shampoo and dish soap, which have a longer lifespan than liquid soaps.

5. Re-wear clothes (other than socks and underwear)

Another option from u/ztreHdrahciR — don't wash your clothes at all! At least not right away.

Chances are you can get a few wears out of jeans or even t-shirts and save on laundry costs, to the tune of a few dollars per year.

6. Make your own doggie poo bags

"Use used food bags to pick up the dogs poop." - bezere

Poop bags are expensive! You could easily spend $20-50 per year, depending on what brand you use.

Next time you pack a sandwich for lunch, save that plastic baggie and use it for pick-up duty later on.

7. Charge your phone at work (or wherever there's an outlet)

A good one from u/runmemymo.

Never pass up a chance for free electric!

If you don't work in an office, just carry your phone charger with you. Lots of restaurants and even public spaces have outlets so you can get a little free juice.

8. Poo at work (or wherever there's a bathroom)

u/larkfor says they save a ton of money each year on water and toilet paper by doing their business at work or the office.

Never pass up a chance for free water and toilet paper!

9. Cut sponges in half


sponge, cleaning, money hacks, house keeping, soap, domestic laborA yellow soapy sponge.via Pille R. Priske/Unsplash

u/plaincheeseburger recommends turning one sponge into two.

It will still work exactly the same and last twice as long.

10. Repair old dog toys

I love this one from u/pdxarchitecht!

My dogs love immediately ripping the stuffing out of new toys, which doesn't feel like a great value for my money.

The hack? Put the stuffing back in and add a stitch or two to close it up and save yourself $10 or more.

11. Twist the stems off of peppers if paying by weight

This ingenious and petty tip comes from u/casterix75.

Not all supermarkets charge by weight for bell peppers (or similar produce), but if they do, why pay for the stem? Twist it off and save yourself a few cents at the checkout.

12. Save the cold water when running a shower or bath

An old science teacher taught me this one in high school, recommended in this thread by u/smartquokka.

Put a bucket in the shower or bath to collect the cold water while it's heating up. Use that to water plants, fill the dog bowls, or flush the toilet.

13. Unplug everything at night

via Canva/Photos


Many people recommended this — it's an r/frugal staple.

Appliances on standby still use power, so unplug as many things as possible before going to bed. u/Larkfor estimates this saves them $10 a month or so on power.

14. Library card

Yes. And take advantage of audiobooks, ebooks, and even streaming. My library has many great movies, shows, and lecture series (I love The Great Courses).

15. Credit card points

[I] Use my CC that gets rewards points for all purchases and bills that I can.

My entire family is going in a trip in a few months, and we booked all our flights together, 4.5k of airfare. I very generously offered to put all the airfare on my (2% cash back) card. My entire family paid me back their portion that week, and now I get the $90 in cash back!

These tips are so small they're almost microscopic, but you know what? Most of them are so easy you'd barely notice a difference in your lifestyle and routine. And all together, you could save yourself a decent chunk of money every year by making a few simple changes.

Thanks to the thrifty people of Reddit for sharing their hacks with the rest of us!

This article originally appeared last year.

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Gen Z are becoming accountants and it's for reasons that might surprise you

In totally Gen Z style, it's for a good cause.

Images via Canva

Young accountant, goat farmer.

Look, there are certain jobs that aren't at the top of the "dream list." You don't often meet 14-year-olds who, when asked, "What do you wanna be when you grow up?" answer: pencil pushers! But in a world of influencers and content creator wannabes, Gen Z (or at least some of them) is ready to get serious.

When many think of the Zoomer generation (born between 1997 and 2012), there are a few things that come to mind. These folks are characterized by wanting to make a difference in the world and leave it better than how they found it, but they're also not naïve. When it comes to practicality, Gen Z is all about making the most of the ever-changing world—especially the financial market.

According to an article by writer Preston Fore for Yahoo! Finance, the accountants from the Boomer generation (and there are millions of them) are retiring, leaving a huge gap. "The industry is facing a talent shortage crisis. While it’s been lamented as one of America's most boring jobs and headed down a path of extinction, Gen Z is realizing the six-figure career opportunity."

accountant, money, work, jobs, boomers, gen z, workforceSeason 8 Nbc GIF by The OfficeGiphy

Smart thinking. But in typical Gen Z fashion, many are combining their logical desire for fail-safe employment with actually making the world a better place. One way is volunteering to help others with the VITA (Volunteer Income Tax Assistance) program—which helps provide free tax consultation to those in need. The IRS is working with a handful of universities to help aspiring accountants in college get their feet wet AND make a difference.

Fore notes the story of Alana Kelley, a third-year student at Oregon State University. She has already helped many with their taxes, saving them much-needed money in these trying times. "One was a goat farmer who had only a landline and no access to the Internet. Another was a young woman who was financially supporting her sister. Kelley was able to help them obtain a life-changing $6,000 back in refunds."

VITA has been around for over 50 years, and Gen Zers are genuinely making use of it. Fore shares, "Last year alone, an army of more than 280 CSUN students helped over 9,000 low-income taxpayers claim nearly $11 million in tax refunds and $3.6 million in tax credits—plus save them over $2 million in tax preparation fees."

taxes, calculation, accountants, money, finance jobsFiguring out our finances may be getting easier. Photo by Towfiqu barbhuiya on Unsplash

Many Redditors are backing the idea. On the subreddit r/accounting, someone asks, "Gen Z is making accounting cool again?" As expected, a few commenters push back on the "again" part. A few more respond to the aforementioned article with suspicion, as though the IRS is paying for it. But one person defends it: "VITA was a very cool program for both audit and tax aspiring accounting student to join. Most of the successful accountants I've known joined VITA. It's also led by younger students these days, so it's even more well-known within the Gen-Z students group." Another got straight to the point: "We just want money and free time bro."

Accounting isn't the only occupation Gen Zers seem to be drawn to. As there are fewer guaranteed roads to success, some Zoomers are skipping traditional college altogether and instead training to become plumbers, electricians, and other vocations that don't need a hefty degree. An article for the New York Post cites a recent study showing that a lot of folks of the Gen Z generation were interested in blue-collar work. "The survey of 2,091 people aged 18 and over found that Gen Z was becoming the 'toolbelt generation' because of the shifting attitudes and soaring cost of a college education."

plumbers, trades, vocations, work, gen z Plumbing Plumber GIF by Family GuyGiphy

With higher tuition and way less of a safety-net, many are thinking long-term, and if they can find a way to make a positive impact at the same time, all the better.


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'Supercommuter' mom takes a flight to work every day because it's cheaper than living there

She says a 40 minute flight is well worth it financially and emotionally.

Photo credit: Canva

Crazy that she ends up with MORE free time.

Would you commute to work on a plane every day to save money? For Racheal Kaur, a mom who lives in Malaysia, it was a no-brainer. In a recent interview with CNA Insider, Kaur shared how she takes a 40-minute flight from Penang to Kuala Lumpur every single day of the work week, and claimed that being a “supercommuter” isn’t only more cost effective, but also provides more work-life balance.

To get to work by 9am, Kaur gets up and out of the house well before dawn, leaving her house by 5am, and boarding on a plane by 5:55am and arrives in the city with a little over an hour to spare. She then flies for around 40 minutes (enjoying what she calls her “me time”) then repeats the process to get home. Every day, Monday through Friday.

While unconventional, Kaur told CNA Insider that this schedule actually has time to spend with her kids, aged 12 and 11, at night, and even “help with any last-minute homework,” which she feels is “everything” as her kids grow older.

- YouTubewww.youtube.com

From a cost perspective, Kaur apparently pays $223 a month for her current mortgage in Penang, whereas living in Kuala Lumpur would cost around $340 per month. And while Kaur pays out of pocket for her flight, she does receive a discount, and pays the equivalent of $11 USD a day. Overall things even out, and she’s even able to save money.

While this strategy can occasionally get tricker during busier times of the year, since commercial passengers take priority, Kaur assures that considering everything, it’s all “well worth it.”

Previously, Upworthy had highlighted another supercommuter—a student at Berkeley who flew from Los Angeles to the infamously expensive city of San Francisco for class three days a week, using various frequent flyer miles/points from credit card sign up bonuses he had accumulated over the years.

And while this strategy certainly works for some, it might not work for everyone. Steve Kass, a writer for Fast Company and fellow supercommuter, suggest to ask yourself the following questions before committing to the frequent flier lifestyle:

  • Can you handle less downtime?
  • Will it disrupt your sleep schedule?
  • Are you healthy enough to handle the physically demanding task of traveling?
  • Obvious, but important one: is this financially feasible long-term?
  • Do you love your job? If it’s rewarding, the sacrifice feels worth it, Kass says.
  • Can you see yourself doing this long term? If not, is there a deadline you can create for yourself?

And even if this ends up not being a viable option for you, stories like these are good reminders that you really can can forge a lifestyle that meets all your needs, especially if you conjure up a little creative thinking.

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Bartender shares her $9.28 paycheck to remind everyone why tipping is so important

Imagine thinking this is OK.

via Aaliyah Cortez / TikTok

A server in Texas shared some personal information on TikTok to remind everyone why it's so important to tip those who serve us our meals, drinks, and cut our hair.

The reminder is important at a time when restaurants, bars and hair salons are reopening across the country and many service industry workers are reeling from the downturn in business during the pandemic.

Aaliyah Cortez filmed a video of her paycheck where she shows that although she worked 70.80 hours during a pay period, she only received a check for $9.28. "So this is why you should always tip your bartenders and servers, anyone who waits on you, or provides a service for you," she said.


@f.aa.ded PSA #psa #fyp #foryou #bartender #server #work #tips #chooseone #CleanFreshHype #photography101 #hardwork #viral
♬ original sound - bronté

The video shows that even though she was paid the criminally low federal minimum tipped wage of $2.13, the money she received in her check was further reduced by taxes, social security, and Medicare payments.

"Of course, I got tips, but this is what I got for my hourly," Cortez said. "This is why you tip."

The rules for wages in tipped industries vary across the country. Texas is among the 16 states where the state minimum cash wage payment is the same as that required under the federal Fair Labor Standards Act ($2.13/hr.).

Now, if a server making $2.13 an hour doesn't reach the federal minimum wage of $7.25 an hour with tips, then their employer must make up the difference.

The best state to work in for tipped wages is California where the minimum wage is $13 to $14 an hour, depending on the size of the business.

In a follow-up video, Cortez further discussed the issue, noting that she doesn't agree with "state laws that allow restaurants to pay under minimum wage and expect the customer to pay our wages," she said.

"I make great money in tips, she added, "However, this is not the case for all service industry workers." According to Cortez, people aren't always that generous with their tips, even though their "state is expecting them to tip."

Cortez's video is a great reminder of two things:

First, that we should all be mindful to take care of those who serve us by giving them a decent tip. Secondly, that the U.S. needs to address the issue of the tipped minimum wage because it hasn't changed in 30 years.

"Since 1991, the federal tipped minimum wage has been frozen at $2.13 an hour," gender economist Katica Rot told NBC. "Meanwhile, the non-tipped federal minimum wage has risen 70.6% and consumer prices have gone up 90.24%."

In fact, tipped employees are twice as likely (and servers three times as likely) to live in poverty than non-tipped workers.

Women bear the biggest burden of the tipped minimum wage. They represent 70% of all workers in tip-dependent occupations.

Recently, the Senate rejected attempts to raise the federal minimum wage as part of the Biden administration's wide-sweeping COVID-19 relief package. Although that fight is far from over, it means the average person needs to step up and do their part to help out.

Cortez says that a big problem with her industry is that people just don't tip enough. Let that be a reminder that in a world where it's been painfully difficult to raise the minimum wage, we are all deputized to help those who serve us by pitching in with a generous tip to show appreciation and humanity.


This article originally appeared four years ago.

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