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Frugal people share 13 silly money-saving tips that actually work.

Warning: These may involve some light stealing from work.

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Most adults take a look at their lives somewhat frequently to try to figure out where they can save money. It might be cutting one of the streaming services we're not using or trying to dial 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

A half loaded dishwasherNathan 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.

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

yellow soapy spongePille 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

hands holding a plugKelly Sikkema/Unsplash

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.

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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A guy and his friends shared their travel plans. The results perfectly explain the wealth gap.

What on Jeff Bezos's green earth did we just watch?

TikTok/@tcruznc

Sometimes you see something so mind-boggling you have to take a minute to digest what just happened in your brain. Be prepared to take that moment while watching these videos.

Real estate investor and TikTok user Tom Cruz shared two (now deleted) videos explaining the spreadsheets he and his friends use to plan vacations. They call it the "Forbes List" and it's...well...something. Watch the first one, kindly posted by @Radio_Reem on X:

So, "Broke Bobby" makes $125,000 a year. There's that.

How about the fact that his guy has more than zero friends who budget $80,000 for a 3-day getaway? Y'all, I wouldn't know how to spend $80,000 in three days if you paid me to. Especially if we're talking about a trip with friends where we're all splitting the cost. Like what does this even look like? Are they flying in private jets that burn dollar bills as fuel? Are they bathing in hot tubs full of cocaine? I genuinely don't get it.



But that's not even the full spreadsheet. It might make sense if this guy was just rich, had always been rich, and only knew rich people, therefore making have a friend group made up of multiple millionaires his norm. Surely that's the reality for some born into the 1%.

But that's not the case here. Though the video is no longer gracing TikTok, Cruz shared that he also has a "Welfare 10 List." He says this group of friends who make less than $100K a year call themselves that, and perhaps that's true. (If I were a part of this group, I might call myself a welfare case too because everything's relative and some of these dudes spend more in an hour of vacation than I spend on my mortgage each month.)

To be crystal clear, the top 5 friends on the "Forbes List" are willing to spend more than double what the guy at the bottom of the "Welfare 10 List "makes per year on a 3-day guy's trip. I don't know what to do with this information.

It's like we can see our society's wealth gap all laid out nice and neatly in a spreadsheet, only these people aren't even the uber-wealthy and uber-poor. This is just the range of this one guy's friends.

I have nothing against people who build success and wealth for themselves, and even $5 million per year is hardly obscenely wealthy by billionaire standards. But Cruz says he's known most of his "welfare" friends since college, which presumably means most of those guys have college degrees and are making a pittance in comparison with the "Forbes List." One could claim the guy making $5 million a year just works harder, but does he really work 100 times harder than the guy making $50,000? Doubt it.

Money makes money, and after a certain threshold of wealth or income, it's actually quite easy to get and stay rich without actually "earning" more money (assuming you're reasonably wise and responsible). So, maybe the guys who are willing to shell out $125,000 for a week-long trip should offer to pay the travel expenses of the friends they "hang out with regardless of income" who don't even make that in a year, since that's probably just the interest they're making on their wealth anyway.

But what do I know? This is like an entirely different world to me and probably 99+% of Americans, as evidenced by some of the responses.

Naturally, there will be a range of incomes in any group of people, but 1) most of us don't actually know how much our friends make, and 2) even fewer of us make spreadsheets with that information in order to rank our friends and figure out who can go on which vacations.

People are just endlessly fascinating. That's all I've got.


This article originally appeared three years ago.

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Finance expert deftly points out the double standard between men's and women's hobbies

Maybe manicures and lattes aren't that "silly" after all.

Photo credit: Canva

Are women's manicures the new avocado toast?

We’ve all heard millennial money woes get blamed on “frivolous” purchases like avocado toast, which is, as we know, both laughable and maddening. But just ask financial expert Tori Dunlap, and there are other "double standards” regarding spending habits that are just as frustrating…one prime example being the way we view women’s hobbies versus men’s hobbies.

“I did all this research for my bookFinancial Feministabout the way women spend money versus men, and the frivolous spending, the spending that is the reason you can’t get rich or the reason you can’t get ahead, is only feminine spending,” Dunlap noted in a video posted to her TikTok.

As for “women’s hobbies,” Dunlap listed lattes, manicures, and shopping. Granted, these activities can add up (especially with the price of coffee these days) but often they are shared experiences with friends, or a form of self care (few things are as empowering as a fresh set of nails, after all). So there’s an added mental health benefit.

And yet, it’s these purchases that are “the reason women aren’t rich.” Meanwhile, hobbies traditionally seen as masculine, like NFL season tickets, sports betting, golf and video games, obviously warrant a far heftier price tag, and yet are seen as much more acceptable pastimes.

@herfirst100k 🤯
♬ original sound - Tori Dunlap — Money Expert 💸


Dunlap’s point clearly struck a nerve with many women, who shared their own experiences of being questioned about the frugality of their own hobbies by the men in their life whose choice of entertainment cost a small fortune.

“My husband has probably $20,000 worth of gym equipment. I really just wanted a Dyson air wrap 😂,”

My coworkers & boss made fun of me for spending $200 on a concert ticket ONE time meanwhile they spend $150 on golf EVERY WEEKEND. Not to mention the season tickets to baseball and football game,”

“My dad's tools cost like $100 each but he complains when my mom goes to Micahel’s once a month.”

It was also interesting seeing how many women’s hobbies still served others in some way, whereas men’s hobbies only served themselves.

For example, one person wrote, “I spent $600 on an embroidery machine I can use year-round and for various projects and for gift giving…we spent $3800 on golf clubs for my husband to go golfing 2 to 7 times a year.”

This might come across as a battle of the sexes, but there’s a broader underlying theme at work here. Much like the avocado toast controversy of yore, we see an advantaged subset of society blaming a more disadvantaged group for consuming ‘luxuries,’ rather than seeing the system that creates the disadvantages in the first place. In other words, are we really going to chastise folks for a little retail therapy instead of the money hoarding, resource exploiting billionaires and corporations that give us the real issues? C’mon.

As Dunlap put it, “The reason women aren’t rich is because of systemic oppression.”

Still, at least we can all agree that hobbies do us a world of good—especially if they get us off of blasted screens. So really, as long as it truly does no harm, let’s just let people find joy wherever they can. Be it at sports stadiums, or at the salon.

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Why Gen Z's idea of 'financial success' is so vastly different than every other generation

A salary of nearly $600,000? Are they serious?

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Gen Z's financial expectations are miles above the rest of us.

Have you ever thought about what threshold of income or net worth would make you feel successful financially? Not merely getting by or making ends meet, but like you've achieved a level of wealth that feels comfortable and secure? That number depends on a lot of factors, of course, depending on whether you have a family, the cost of living in your area and more. But as a survey of over 2,200 American adults shows, it also depends on your generation.

Averaging the numbers overall, Americans said a salary of $270,214 a year and a net worth north of $5.36 million would spell financial success for them, according to research from Empower. But those numbers are greatly skewed by the lofty ambitions of Gen Z, who say they'd need a whopping $587,797 a year salary to feel successful. Compared to Boomers with $99,874, Gen X with $212,321 and Millennials with $180,865, Gen Z's "financially successful" salary (as well as their response of $9.47 million for net worth) seems extraordinarily out of touch.

media.giphy.com

Keep in mind, these numbers come from Gen Zers who are 18 years and older, so it's not like it's skewed by a bunch of 13-year-olds who have zero concept of money management. But how did young adults end up having such high expectations of what financial success means?

Here are a few possibilities:

Gen Z has been bombarded with aspirational content their whole lives

Instagram, TikTok, YouTube—these social media platforms include countless accounts designed to make us drool over aesthetics. Luxury travel. Beautiful homes. Fashionistas flashing name brand everything. The kind of content that used to be confined to "Lifestyles of the Rich and Famous" (yes, I'm dating myself) has moved into the mainstream and is now portrayed as a normalized ideal.

For older generations, "financially successful" generally meant being able to afford a nice house in a nice neighborhood, two new cars, a vacation every year and a solid retirement plan. It meant being able to send your kids to college and pay for a beautiful wedding without going into debt. It meant not worrying about money, but it didn't mean being able to afford all manner of luxury. Perhaps Gen Z sees success differently due to what they've seen on social media—and due to being the most marketed to generation in the least traditional ways.

via GIPHY

Gen Z is influenced by influencers who've gotten rich young

In past generations, wealth came with age and experience. Sure, there have always been people born into generational wealth, but if we were talking $600,000 a year salaries, we'd be talking CEOs and hedge fund managers and heart surgeons other careers that take some time to build.

But Gen Zers see YouTube creators and Twitch streamers their own age making millions doing things they believe they can do themselves. That's got to skew your perception of what's possible and what's a reasonable amount of money you can expect to make. It's entirely possible that a lot of these young adults simply don't realize what a normal salary is. Considering the fact that their "financially successful" amount is nine times the 2023 national average yearly wage, there does seem to be a disconnect between their perception and reality.

Gen Z grew up hearing repeated messages of financial uncertainty

Gen Zers are familiar with financial crises. They just started coming along when 9/11 happened, and they were still little when the housing market crashed. They've grown up hearing their parents talk about financial upheaval and hearing politicians use the economy as a weaponized talking point. The COVID-19 pandemic threw even more economic uncertainty on an already teetery foundation, right when a lot of Gen Zers were just starting to make their own money. Toss in the bonkers cost of college tuition, unaffordable housing and post-pandemic inflation and it's not hard to see why young adults just starting out might be under the impression that they need a megaton of money to feel financially secure.

media.giphy.com

Oddly enough, they're quite confident that they'll get there

One might assume that these sky high Gen Z dreams of financial success would feel out of reach for these young folks, but according to Empower, 71% of Gen Z respondents said they expected to achieve financial success in their lifetimes—more than any other generation. Is that an admirable sense of optimism or the hubris of youth? Are they setting themselves up for success or disappointment with such expectations? Hard to say.

We live in unprecedented and unpredictable times, so anything is possible. And if you're going to have high expectations, you might as well have the confidence to match them. We olders might roll our eyes at Gen Z's standard being so much higher than our own, but maybe they're onto something. (After all, a good chunk of them seem to be getting by without driver's licenses, so who knows what else they're capable of.) Dreaming big has its merits, so more power to you, Gen Z. Only time will tell if reality has other plans.

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