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The 25-year-old money-saving 'bible' that millennials and Gen Zers absolutely need to read

This book has saved me thousands of dollars and changed my entire perspective on "frugality."

a jar of coins spilled onto the floor
Photo by Josh Appel on Unsplash

"The Complete Tightwad Gazette" offers timeless money-saving advice.

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Let me start by saying that young adults these days absolutely do have economics stacked against them. There's no question that stagnant wages, the unaffordability of housing, outrageous college costs, post-pandemic inflation and good ol' American corporate greed have all combined to create a tough financial reality for us all, but particularly for the millennials and Gen Zers who are starting off their adult lives feeling already underwater.

If you're in that boat, allow a Gen X auntie to give you some sage advice. Absolutely, rail against the man and shake your fist at the skyscrapers and vent on TikTok if it makes you feel better. But also, none of that is going to change super soon, so you've got to own what you actually have control over, and that's managing the money that you do have (however little it may be).

When my kids were little back in the early 2000s, my husband and I were living on one not-at-all-amazing income. I had been raised quite frugally, so I was comfortable penny-pinching as needed, but I was looking for more creative ways to stretch our dollars.

I had no idea how much one book would change my entire view of saving money—or how much money it would actually save me over the years.


"The Complete Tightwad Gazette," by Amy Dacyczyn (pronounced "decision") is exactly what it sounds like—a newspaper for tightwads—only in this case "tightwad" isn't used as an insult. From 1990 to 1996, Dacyczyn published a newsletter about frugal living as a lifestyle called "The Tightwad Gazette," and this book is a compilation of her life's work.

The book offers a combination of overarching mindset shifts and specific tips for saving money on specific things. Some of the advice is outdated now ("Do I really need a computer?" is a no-brainer question in a way that it wasn't in the early 90s, for instance), but the principles underlying pretty much everything in the 959-page tome still ring true. Now that my kids are young adults with their own financial experiences, I find myself passing along a lot of Dacyczyn's frugal wisdom to them.

Here are a few of the helpful bits of wisdom it contains:

1. Pennies matter a lot more than you think.

If I told you I was going to hand you $200 in cash every year on your birthday, you'd probably be thrilled. But if I gave you three pieces of advice that each saved you 20 cents a day, would you be as excited? Probably not. But the latter would actually put more money in your pocket (the equivalent of handing you $219 on your birthday) in the long run.

Lots of small amounts add up to a large amount, and when you wrap your head around that concept, small money-saving decisions start taking on greater importance. Pennies really do add up—both positively and negatively.

2. Think of saving money as income—literally.

"A penny saved is a penny earned" is an old saying, but a useful one to help us understand the value of going out of your way to save a few cents.

Let's say your closest gas station sells gas for $4.39 a gallon. A station down the street, two minutes away, is selling it for $4.29 a gallon. To fill a 15-gallon tank would only cost $1.50 less at the second station—not even enough to buy a cup of coffee. Is that really worth your time?

Let's calculate. If you think of saving money as earning income, you're taking two minutes to "earn" $1.50. That's $0.75 a minute—translate that into an hourly income, and you've earned the equivalent of $45 an hour, simply by driving two minutes to save 10 cents a gallon. Even accounting for the gas it took to drive a few extra blocks—less than 10 cents—you still come out with a hefty hourly wage.

This "time x money saved = hourly income" equation was a life-changing perspective shift for me. If it only takes a minute or two to save a dollar, that's a solid hourly earning.

3. Use the absolute smallest amount necessary to do the job.

This is simple common sense when you say it out loud, but most of us don't live this way in reality. We use more than we need of most consumable things most of the time, simply out of habit. When you pull out that string of floss, so it wraps around your fingers four times? What if you pulled out less and only wrapped it three or two times? 

Start by cutting the consumables you use on a daily basis back by half—everything from toothpaste to dish soap to shampoo to toilet paper. We all get excited about 50% off sales, when we could easily save 50% ourselves simply by using less of the things we use all the time, with the same result. If you need to add a little back in after cutting back by half, go for it. But you might be surprised by how little you need to actually get the job done.

The Complete Tightwad Gazette by Amy Dacyczyn

"The Complete Tightwad Gazette" by Amy Dacyczyn

Amazon

4. Do the math to determine what's actually cheap and expensive to eat.

Even with the cost of groceries being ridiculously high, cooking from scratch is, in most cases, drastically cheaper than eating out or getting takeout.

I know the old folks like to tease you about your affinity for avocado toast, but it's pretty eye-opening to compare the cost of buying something like avocado toast out and making it yourself at home. With current prices at my local grocery store, it would cost less than $1.00 to make avocado toast at home, and that's even with good bread and a generous serving of butter and yummy seasonings. Add another 30 cents, and you can slap an organic fried egg on top. We're talking $1.30 tops for super bougie breakfast toast at home.

But even within the "cooking at home" category, some meals are way, way less expensive than others. One of my favorite Tightwad Gazette investigations focused on how much various kinds of breakfasts cost per serving. Personally, I'm a huge cold cereal fan, which is bad news because it's actually one of the most expensive breakfasts you can eat. Toast and eggs is (generally) cheaper. Pancakes are even cheaper, especially if you make them from scratch and not a mix. Oatmeal is super cheap. Oatmeal bought in bulk? Even cheaper. And the differences can be significant—again, looking at my current grocery store app, a serving of Cheerios costs 300% more than a serving of quick oats.

All of those choices add up, both positively and negatively. By doing the math, figuring out per-serving costs and choosing less expensive meals, you can cut your grocery bill by a lot.

This is just barely scratching the tip of the iceberg—there are so many tips and tricks for saving both small and large amounts of money. Since the economy isn't going to be any kinder to us in the near future, learning how to make the most of what we do have is the best way to help ourselves. Find "The Complete Tightwad Gazette" here (or, in true tightwad fashion, at your local library, but it's a good one to keep on hand for reference). Highly, highly recommend.

NBC6 & Canva Photos

John Morales stopped his report to educate viewers on what budget cuts really mean.

I hardly ever watch the news on television, especially not for the weather. It's just so much easier to pick up my phone and check Google or The Weather Channel. I just want to know how warm it's going to be or how likely it is to rain. These days, I can find that out in about 10 seconds and go about my day.

But when there's potential danger—hurricanes, storms that might knock out the power of topple over trees, tornado warnings, or threats of ice and snow—my trusty local meteorologist or weatherman is always there. All of that said, I've never once considered that I might not be able to get my weather forecast from either source, at least not accurately. It's 2025—our weather modeling should be better than ever, state of the art, right?

John Morales, a meteorologist and hurricane specialist with NBC6 in South Florida, was reporting on an upcoming storm when he suddenly shifted gears, right in the middle of the broadcast.

weatherman, weather, meteorologist, news, tv news, news anchor, viral videos, trump, doge, governmentWithout good data, we can't accurately predict the paths of hurricanes. Photo by NASA on Unsplash

Morales explains that in his 34 years of presenting the weather, he's always been able to confidently tell his viewers when a hurricane might hit, or when it might turn away. He's always been able to stand behind his data, modeling, and forecast in order to help protect the people of South Florida.

"I am here to tell you that I am not sure I can do that this year."

Why? "Because of the cuts, the gutting, the sledgehammer attack on science in general."

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Babbel’s Biggest Sale of the Year: Get 67% off. Lifetime Subscriptions For $199

Morales then pulled up a graphic instead of his usual weather map. It laid out some stark realities about severe understaffing of the National Weather Service, and the National Oceanic and Atmospheric Administration. Between brutal layoffs, employees accepting the recent DOGE buyout, and straight-up resignations, the agencies responsible for collecting weather data have lost hundreds and hundreds of valuable experts.

He also explained that due to federal government budget cuts, there's been a sizeable decrease in weather balloon launches across the country. Weather balloons are instruments that take crucial measurements of the upper atmosphere and send data that helps with forecasting. With less data available, and lower quality data, Morales say that "the quality of forecasts is becoming degraded."

That's a pretty scary thought, especially in a place like South Florida. What do you do when your local meteorologist can't predict what a powerful hurricane will do next?

"This is a multi-generational impact on science in this country," Morales warns.

Watch his passionate plea here:

Almost nine million people viewed the powerful clip on X. It was reshared over 26,000 times. Morales' message is definitely getting the attention it deserves.

It's not just the National Weather Service that's bleeding. In the name of efficiency, The White House has slashed budgets at the CDC, the National Institutes of Health, and more. Trimming the federal budget sounds well and good until you realize that we won't be making any major cancer breakthroughs any time soon without funding the research. And we won't be able to protect people from hurricanes and tornadoes without complete weather data.

(And yes, even the Weather app on your iPhone needs a database to pull from.)

Meanwhile, we're spending $1 trillion—yes, trillion— per year on our military. This is the anti-science, anti-expert sentiment Morales is talking about. It's been building for years and is just now coming to a head in the worst way.

We still need meteorologists and weather experts like Morales. We still need scientists.

weatherman, weather, meteorologist, news, tv news, news anchor, viral videos, trump, doge, governmentWe still need human scientists and experts that can compile and read maps like this one. Photo by Brian McGowan on Unsplash

ChatGPT can pull weather data from Google and tell you if there's going to be a thunderstorm, but can it tell you when the data behind that forecast is incomplete or unreliable? That's the reality we're facing right now, and we might not know the forecast isn't reliable until it's too late in some cases.

TV weathermen who live in our communities and can put crucial context behind the weather and help keep us safe still matter. Not only that, but they are ambassadors for science, and they still have a big platform in many communities around the country. Morales is making sure he makes the most of his.

Internet

Gen X has been designated the 'worst grandparents.' Sadly, their explanation makes sense.

The latch-key generation doesn't hate their family, they're burnt out.

Gen X designated the 'worst grandparents' by Millennials

Generation X, typically the children of Baby Boomers born between the years of 1965-1980 tend to have a complicated reputation depending on who you ask. Some view them as a feral generation never to be spoken of poorly without consequence, while others view them as innovators pushing us into the future. But in recent years, Gen Xers have been dubbed the "worst grandparents" by social media users.

This multi-year conversation started when a video went viral calling Gen X out for being "terrible" grandparents, claiming that they never want to help with grandchildren. It didn't take long before other Millennials piled on to air their own grievances about Gen X grandparents. Most people criticizing the "new grandparents" were genuinely perplexed as to how they did not want to be more involved in the lives of their grandchildren.

Gen X; Gen X grandparents; absent grandparents; Gen X worst grandparents; Millennials; worst grandparents; Gen ZFamily baking fun in the kitchen.Photo credit: Canva

Kylie Muse reveals in a video that she felt neglected by her Gen X parents growing up, saying, "It's quite a common theme for Gen X parents to be neglectful in some capacity and it's just crazy to me how more of them haven't learned from the past 20 to 30 years, instead of these grandparents seeing their kids having kids as an opportunity to restore the health in their relationships with their kids by showing up and helping them during the hardest transition of their lives, they would rather double down and compromise their relationship with that next generation. All for the sake of hyper-individualism and pride."

@kylies.muse Gen x grandparents and their beloved empty nest 🥴 just say you hate having a family 😭 #grandparents #grandparentsoftiktok ♬ original sound - Kylie ꩜

The critique coming from the younger generation is not lost on Gen X, and they started coming out in force to respond with such vigor you'd think John Hughes had just announced the re-release of The Breakfast Club. It would seem that some of the people complaining of the lack of involvement have not considered that Gen X could have valid reasons for not immediately jumping in to take on grandparenting in the way some expect. A man by the name of John S. Blake gives a candid look into why Gen X was neglected as children and, in turn, became hype-independent at an early age.

"As a Gen X who's been on this earth long enough to have some hindsight I can tell you this, being independent at a young age is not a flex, what it actually means is capitalism is so brutal that our parents were forced to neglect their own children to stay alive. My generation was struggling so much that we had to leave our children unattended in order to produce enough so that we could afford to exist," Blake says.

But perhaps one of the most heart wrenching explanations comes from an elder Millennial who goes by the name Amazing Dea. In response to another Millennial who asks about Gen X being let off the hook, Dea shares, "Being as though you look like you might be a younger Millennial, let me go ahead and enlighten you. Generation X and older Millennials had to live through more than just this pandemic. We had the crack epidemic, we had the AIDS epidemic and let me tell you something, it was scary as f***."

Dea went on to explain that there were apartment complexes burned due to high populations of people with AIDS living in them and how they would witness people go from being completely normal to being addicted to crack in a matter of weeks. It seems that depending on socioeconomic status, Gen Xers lived wildly different lives with the common theme being growing up entirely too fast at an extremely young age.

Gen X; Gen X grandparents; absent grandparents; Gen X worst grandparents; Millennials; worst grandparents; Gen ZThree generations smiling by the sea.Photo credit: Canva

Another person kindly breaks down the confusion over why Gen X isn't rising to the occasion of being award-winning grandparents. In response to the criticism she replies, "We grew up in a different time, first of all. A lot of us, meaning me, Gen X, I was raised by boomers. A lot of us did not get raised by our grandparents. We were like the feral kids, like by 7 and 9 years old we were actually babysitting our brothers and sisters, alright."

The woman explains further in the video that Gen X doesn't want to raise their grandchildren or simply be babysitters, that there's a difference between expecting grandparents to be involved and expecting them to be babysitters.

@that1crazy72 Let’s take it a step further. You share DNA with your grandkids they are part of you not everyone gets the privilege of being a grandparent so if you are one take that as a blessing #genxgrandparents ♬ original sound - That1crazy72

In many of the response videos shared by Gen Xers, they certainly seem to love their grandchildren and children alike, but there's a discrepancy in expectation. The consensus of the forgotten generation seems to be that they had adult responsibilities much too early, were exposed to adult life experiences at a young age, and were often left to their own devices for long periods of time while also being told that their voices didn't matter.

While the argument seems to be around their lack of involvement as grandparents, they appear to be saying that they want to enjoy the freedom they didn't have as children, while being valued as a person and not a babysitter. In many follow up videos, Gen Xers gushed over their grandchildren and how they loved when they were around. It's just that they draw the line at raising them. Maybe for some, their experiences with their own childhood isn't enough to move Gen X out of the "worst grandparents" category, but for others it provides much needed context.

Phone or handwritten? The great debate ensues.

Are you the type of person who always writes grocery lists by hand? Perhaps on the back of a receipt, in a special notebook, or on an index card? Do you insist on this method, even though you’re the only one in the store unfurling paper like an ancient scroll while everyone has their heads down, tapping away at their phones?

Lists are undoubtedly important. In a recent poll, research revealed that the average British adult writes an average of three to-do lists a week—which, in some cases, can add up to 9,766 lists in a lifetime. “Evidently, we all rely on lists for one aspect of life or another,” commented Shahbaz Khan from STABILO, a high-quality pen and pencil company.

But when it comes to the actual list-making, does the method in which you create it really matter? Apparently, yes. And your choice, handwritten or digital, can say a lot about your personality.


grocery list, grocery, lists, handwritten, handwritingPeople who write their lists by hand might be able to remember them better.Photo credit: Canva

If you prefer handwriting, you’re likely…

To have a mind that operates like a filing cabinet.

In 2024, two professors at the Norwegian University of Science and Technology, Dr. Audrey L.H. Van der Meer and F.R. (Ruud) Van der Weel, found that handwriting activates more elaborate and widespread brain connectivity patterns compared to typing. They suggest that the physical act of moving your hand while writing creates spatial and temporal patterns in the brain that promote learning.

In a similar study, Japanese researchers found that participants who wrote calendar events by hand on paper showed increased brain activity—particularly in memory regions—compared to those who recorded the same information on smartphones. The hand writers also recalled the information 25% faster than those who typed. Writing by hand triggers extra neural activity in regions tied to learning and memory. So, no matter how messy your handwriting might be, that grocery list might also be giving your memory a little work-out.

To be naturally conscientious and understand the secret to success.

Conscientiousness isn't the same as self-control or self-restraint—rather, it refers to a person's tendency to be organized, reliable, goal-directed, and self-disciplined. It's no surprise, then, that those who score highly in conscientiousness tend to be successful: they aim for high-profile outcomes and have the ability to develop well-thought-out plans to accomplish their goals.

Comfortable getting tactile.

Nothing quite compares to writing with your perfect pen. (By the way, what's yours? A Pilot G2-2? Uni-ball Vision Elite? Or perhaps something fancy, like the Squire Classic Pen from Baronfig?) It's a complete sensory experience as your pen glides across paper. This physical connection helps create a deeper engagement with the task at hand.

woman, child, grocery, shopping, listWriting your list by hand could curb impulse shopping. Photo credit: Canva

To not buy on impulse.

Yanliu Huang and Zhen Yang from the LeBow College of Business at Drexel University examined how handwritten shopping lists differ from digital ones. Their research showed that people who write lists on paper tend to make more planned purchases and fewer impulse buys.

However, there are a few downsides to a handwritten grocery list…

Let's face it: sometimes you can't read your own handwriting. When rushing, you might scribble illegibly, forget items, or leave the paper at home entirely. (Pro tip for forgetful hand-writers: snap a photo of your list before heading out, just in case.)

Paper lists are also cumbersome to update on the go. Picture this—you've just remembered you need onions while backing out of the driveway, but now you're scrambling for a pen. Don't do this. Plus, paper lists make it difficult to coordinate shopping with other people.


If you’re #DigitalForever, you’re likely…

In a poll of 2,000 people in the United Kingdom, researchers found that when it comes to list-making, only 40% use their phones, while 63% write on notepads and 24% use sticky notes. So congrats—you're right in the middle!

Extremely efficient and organized.

Your phone is a miracle list-maker: people who use digital lists value practicality over sentimentality—they appreciate the power of automatic sorting, expense tracking, and integrated coupon features. These lists can be updated instantly and accessed from almost any device, making them the most efficient, streamlined option.

Someone who uses data to make decisions.

Beyond expense tracking, many apps provide nutritional data, meal planning suggestions, and inventory management—helping you make smarter, healthier food choices. You're not just shopping anymore; you're strategically planning your nutrition.

groceries, grocery shopping, produce, lists, shopping, nutritionDigital lists are perfect for collaborations. Photo credit: Canva

Collaborating with someone in the kitchen.

The beauty of a digital list is that it can be shared with others in real time, allowing multiple people to add items seamlessly. This eliminates miscommunications and duplicate purchases while reducing paper waste and promoting environmentally friendly habits.

The digital life has its downsides, too…

Taking a break from your phone can be refreshing, but keeping your grocery list there means more screen time—potentially leading to digital fatigue or distractions from notifications and other apps. There's also the practical concern: what if your phone dies, you lose Internet connection, or your service drops out while shopping?

Grocery shopping can be such a treat. Whether you use digital lists, handwritten scribbles, or memory tricks to track what you need, there's no wrong approach. The “best” way to write a grocery list depends on you: your personal preferences, your lifestyle, and what works for your routine. Ask yourself, “What will make me feel the most organized and calm?” Then let your grocery list lead the way.


Community

People over 100 share their simple secrets to living the best life

"Life goes on. So get on and do the things you love to do."

Canva

Elderly hands hold flowers. Two older people sit on a bench.

There has always been something really fascinating about resilience. Some people simply embody it, no matter their age, and remind us that you're never too old to keep living a good life.

Just recently, a 100-year-old woman named Layne Horwich was diagnosed with breast cancer. One year later, at 101–she had beaten it. Not only did she survive the cancer, but she recently passed her driving test, according to a story on NBC 5 News Chicago. When asked how she has stayed so relatively healthy, she answered, "I did play tennis until I was 92, and I think that was good."

People who have lived to be 100 may have less time than many of us, but what they have is perspective. And, if they're lucky, that perspective can be churned into wisdom like cream into butter.

Business Insider, via their YouTube page, posted a video entitled "Life Lessons From 100-Year-Old Americans Who Didn't Expect To Live So Long." Here, they interview five centenarians to get their thoughts and wisdom on love, health, technology and, most importantly, how to live a happy life.

- YouTubewww.youtube.com

Barbara (101), Diane (102), Jack (101), Helen (107) and Margaret (102) get mic'd up and sit down to talk about their experience of living on this Earth for over a century. They have all lived from the Great Depression through the pandemic, and every one of those nearly one million hours tells its own story. They initially discuss their backgrounds, goals, how they met their spouses, and the lens with which they can now see the history they lived through.

They are asked questions on a variety of topics, and none of their answers disappoint.

ON LOVE

Barbara closes her eyes and says with such sincerity, "It's so important to feel love. I won't say it makes the world go round, but it's very helpful."

And you know the old wives' tale that opposites attract? Margaret and Barbara disagree with that idea. Cutting back and forth between them, Margaret says "A like-mindedness is the formation of a solid marriage. And that is love." Barbara adds, "You agree, you're on the same page, and you want to live your life together."

ON MORTALITY

Jack so beautifully and vulnerably tells us as he exits his home and takes a drive, "The most challenging thing about being 100 is at some times, time hangs heavy on your hands. I don't have any of my good friends who are still alive. They are all gone. My wife passed away 20 years ago this year. Much too early. She should be here with me, sitting right here, right now."

He later proclaims, "I am the last man standing. It's not easy at all. If I sat around and grieved all day long, that would be very difficult to take. I know that life goes on and that's the only answer I can give you. Life goes on. So get on and do the things that you love to do."

Helen also feels deep losses around her. She tells us she has lost her two sons, one just a few weeks prior at the age of 82. "I'm just shocked that I would still be here and they're gone. At my age, I think every step you take is challenging. I feel that I'm on borrowed time."

Both Margaret and Barbara reflect on the years with their husbands. Barbara confesses how hard life can seem without him. "It's very tough at this stage of the game to be alone, be vulnerable and be dependent."

ON TECHNOLOGY

older person, computer, technology, learning, 100Older man sitting at the computer. commons.wikimedia.org

When they're asked "What has changed the most in 100 years?" they name the Internet and cell phones for starters.

Helen adorably asks the producer, "Is it true you're on YouTube?" She then admits, "I see all these young people walking down the street holding phones. Everyone has got one but me."

The overall vibe is they don't love the seemingly modern obsession with technology. Jack quips, "Amazing how much garbage gets on your computer." However, they don't totally dismiss it. Jack continues, "It used to be that if you wanted the answer to something, you'd have to go to the library and do a great deal of research. Today, with a snap of your fingers, the Internet has the answer for you. Done!"

Margaret says she often uses her computer. "I think technology, if used properly, has definitely made a huge difference. The ability to reach out to one another. Getting emails, sending emails."

ON HEALTH

elderly people, exercise, aerobics, health, 100Older people taking an aerobics class.commons.wikimedia.org

When asked, "What helped you live to 100?" they all have slight variations on one theme: Exercise.

Jack also shares, "I've never smoked. I've never drunk to excess." And later, he says, "I don't eat meat to excess," though he does admit to enjoying chicken. (Helen adds to this that one should eat properly from a very young age.)

Diane (who was once a dancer) suggests "one hour a day of strenuous exercise. A real workout that will keep you going and keep you alive."

Margaret has a less intense idea of exercising. "Walk, walk, walk," she insists.

ON BEING HAPPY

Jack determines, "Don't let the old man in. I refuse to think old. If you think young, more than likely you're going to act young."

Margaret suggests keeping activities on your calendar. "There's always something on my plate that I look forward to doing. And I think that's important for people. To look forward to what you can do today, that makes a difference."

Barbara stresses the importance of friendships. "I have many friends who help me enjoy life from all different generations. 60s, 70s, 80s, 90s. And that's what makes life so interesting."

When asked directly, "So what's the secret for a long, happy life?"

elderly man, laughing, happiness, health, old ageAn elderly man laughs.pxhere.com

Diane answers, "I think it's just love of life. It's a devotion to my family, to the ones I love. The thing that I've really learned is not to be so self-centered."

Jack gives this tip: "If you don't complain, you don't make life difficult for everyone around you. You'll get along in life." He then added, "You can't get anywhere in life until you start doing things for other people."

Barbara: "You want to be attached to things that are positive and good in life." She also echoes the idea that, "Giving is a real joy."

We see Helen visiting her church, as she shares this thought - "I think if you're nice to people, it comes back to you."

Positive thinking overall is the key. Jack ends the segment with this: "I don't feel like my days are numbered. I feel that I have good years in front of me yet."