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Middle class people share their best money-saving hacks.

People who earn a middle class income understand that paying attention to every penny that comes in and goes out is a smart money strategy. According to Pew Research, the median household income for middle class people in the United States in 2022 ranged from $56,600 to $169,800.

And frugal middle class people are full of money-saving tips and hacks. To boost their savings, middle class people offered their best money-saving habits to those looking to boost their savings accounts.

From grocery shopping, cooking habits, and bills, they shared their best financial wisdom. These are 36 middle-class money saving hacks that can help everyone save more money.

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"For me, it’s the simple habits passed down from family. Cooking at home instead of eating out, carrying a water bottle instead of buying one, and reusing jars or old cloth as cleaning rags. Even shopping during discount seasons instead of impulse buying has been a huge saver. These little things may not look like much, but over time they add up and keep life grounded." - NoMedicine3572

"Cooking beans and legumes from dry buying in bulk." - LiterallyKath

"I have an old Toyota is pretty messed up now, but it makes me laugh because it looks kind of like shit lol. But I don't have a car payment and I still get 25 miles per gallon or so. I'll drive that thing into the ground. As long as the car has air-conditioning music and drives decent, I don't really care." - renerdrat

"Stop being snobby about your cell phone service and go to cheaper ones that use the same towers. Mint Mobile has blown me away ... had it for 2 years now, can't believe I was paying AT&T $100/month before. Now I pay $25/month and everything works the same." - mordiaken & wezvidz

"I’ll add to this. We don’t need a new phone every year. Still rocking my 13 mini. Not planning to buy a new one anytime soon." - no_car1799

"Take Amazon off your phone- all orders need to be done on a laptop. Pay for groceries in cash- it tends to take down impulsive purchases. Coffee at home. Make your own cold brew. End of each quarter is use up what is in the fridge and pantry- only purchase are for what completes a meal. Talk about a budget each month. Actively look at places to cut." - Door_Number_Four

- YouTube www.youtube.com

"Look at the grocery store flyers and plan your meal prep around what's on sale that week. Base most of your meals on canned goods, frozen veggies, and tofu/inexpensive protein options. Wash/clean whatever you can using baking soda and or vinegar. Don't bother with paper towel use rags. Don't impulse buy research beforehand. Get a library card and use that sucker. Ensure your hobbies aren't too expensive for your lifestyle. Find weekend activities that are basically free. Don't attempt to keep up with other people in order to maintain some weird social status. Keep it simple when it comes to hygiene showers everyday and have your staple products you know work well for your hair skin and teeth and buy them in bulk when they go on sale. Look at your wardrobe and figure out what you actually need to replace before you go clothes shopping (write a specific list before you leave your place). Find frugal friends ;). " - RangerAndromeda

"Buying a sewing kit and learning basic hand sewing can help save pieces of clothing that need minor fixes for almost no additional investment. I can replace buttons, hem slacks, and reattach zippers with the same needles and thread I've had since 2016." - Iceonthewater

"Pack your lunch at home. Don’t eat out. I have a mini fridge under my desk. I’ll bring 2-3 lunches at a time, plus they are healthy." - smack4u & wpbth

"Door Dash [don't do it]. A $20 meal now costs $50 with tip and delivery." - Cucharamama


@miarosemcgrath

part 2 the ‘frugal chic’ #savingmoney #splurgevssave #personalfinance

"Learn how to fix simple shit safely. Leak under the sink? It’s 150+ just to have a plumber come out to look at it. Half the time it’s just a twist or swapping out a standard part that costs $5. And if you can’t fix it yourself you can still call the pro. It’s the same with most shit, I’ve learned with YouTube videos how to fix most of my appliances, change out outlets (TURN OFF THE BREAKER FIRST I KNOW) and repair a lot of things around my home that would cost me $100s of dollars for just a few bucks. Also, if you know handy people just ask them how. I had a sprinkler line split and it would have cost me $1000s for a professional repair. My neighbor works on gas lines for the city and he came over with a bag of spare joinings and told me to go grab some pvc and that blue glue shit they use. Cost me $20 bucks and half a case of modelo (we split it while he stood there watching me dig it up and then directing me how to cut out the compromised piece and fix it)." - JoefromOhio

"Buying popcorn in bulk and popping it on the stovetop, instead of prepackaged popcorn." - CBased64Olds

"Evaluation of my bills regularly- and tracking that the expected amounts are deducted. Example: my Comcast bill is normally $70/mo. $77 came out. The following month the invoice said $95 would be deducted. These companies creep up the bill and if you aren’t watching it will climb. In my experience, Comcast has been the worst offender of this. I called them and was refunded and my bill is back to $70. Also price shopping. I pay $15/mo for my phone service (Visible by Verizon- my service is better than when I was paying $179/mo T-Mobile or $250/mo att!) and $2.17 for Disney + Hulu. I use alternate suppliers for my electric. My bill was almost $300/mo, now it’s down to $110-$120/mo. Your bill is still generated through the regular electric company. You are just buying the electric from a cheaper supplier. I check/switch providers for any and every service every 3-6mo for the best savings. I was with AT&T for 20 years. Then I asked myself why am I loyal to them? Or any company? Bc it’s just easier. But now I view comparing prices for these things as a side hustle. Some of my bills are so low (like my cell bill or my streaming) that I don’t price shop them anymore. It’s a small time investment for thousands saved. I like to keep my money!" - Thor_StrngstAvenger

"Automation. You gotta find your number and then give yourself a little cushion and then the rest of your money needs to be automated out. Basically you learn to live on the money in your checking account. People who don't do this usually never realize that they can easily live on less." - scottie2haute

- YouTube www.youtube.com

"When I see something I like my first thought is 'but what am I gonna do with it?' If the answer is primarily 'Idk, I just think it’s neat', then I don’t buy it." - DeepDot7458

"Sounds silly, but we got my husband a nice cooler for Christmas, and I’ve taken to packing it when I go on outings/errands with the kids. “Mom’s random bag of shelf-stable snacks” doesn’t have as much appeal as that Chick-Fil-A sign, and I found myself easily convinced to order nuggets for myself, a medium fry or Mac and cheese for each of the kids, etc. $30 later, we’re satiated, but I’m kicking myself. Turns out turkey subs, chips, and snackle boxes with fruit, cubed cheese, crackers, mini pepperoni, etc ARE more appetizing than CFA, especially when they help pack the cooler." - Snoo-669

"IMO, it's not the habits around the small spends. It's the habits around the big spends. I focus on keeping my housing, transportation, food, and utility costs down -- in that order. Making my own coffee at home is trivial in comparison. But I do that too. And shop at Aldi. I keep a mental list of the good price on all the things I buy and try to always hit those prices and stock up when they do." - Cannelli10

Image via Canva/RyanJLane

Frugal shoppers share the $20 or less purchases that have saved them big money.

Every penny counts when living a frugal lifestyle. Saving money means making smart purchases.

And even the smallest investments can have the biggest returns. From budget shopping to thrifting, frugal people know how to save money when it comes to shopping.

To help others save big, frugal people offered their best frugal advice for purchases $20 or less that have saved them hundreds of dollars over time. These are 30 purchases they've made that have saved them the most money.

- YouTube www.youtube.com

"A $12 sewing kit. Instead of tossing clothes for tiny tears or missing buttons, I’ve been fixing them. I've actually been fixing my own clothes for years. It blows my mind how many ‘disposable’ things can be made useful again with just a small, cheap tool." - localkinegrind

"My wife bought a toaster oven on sale at Target for $19.99 and we used it daily for almost ten years, until someone gifted us a fancy one which broke after 2 years at which time I dug the old one out of the garage that we still use." - BigDuke

"Our little $15 rice cooker really was worth it. I'm a pretty good cook but I really haven't been doing it much in the last few years. Enter the rice cooker - just toss in some rice, heat some frozen thing or another, pop some veg in the microwave and boom, dinner. Cheaper and faster and healthier than the burrito or fast food place down the road. Just gotta keep stocked on the frozen meals we like." - poshknight123

@baddie.brad

I hope this helps :)

"Bread machine from goodwill for $3. But I would have paid full price for it too. We make bread almost daily since 2019 using the same machine. In addition we make rolls, pizzas and bunch of other stuff. I think at this point the savings are in thousands - the same quality bread goes for $4-5 where we are." - tx645

"Hair clippers. Haven't paid for a haircut in 5 years." - Efficient_Comfort_47

"Lunch box to bring your own lunch to work rather than eating out." - Tenet_Bull

"Honestly? A hardware shop near my house was closing and I bought a pack of every grit of sandpaper and it was not quite $20. This was about 15 years ago and I haven’t bought any sandpaper since. I made a joke about how much sandpaper my Dad had in his garage when he died, and then his wife said that sandpaper was actually my grandfather’s. It’s almost as if my family fears a sandpaper shortage and we hoard it. I dunno." - tc_cad

- YouTube www.youtube.com

"One-gallon cold brew pitcher. I love a fancy coffee, but not the associated costs. Now I make a gallon and it lasts me a little over a week and costs... tbh I dont even know... maybe a couple of dollars per 32 oz cup between the creamer and milk and coffee?" - pbpantsless

"Safety razor. I was spending $30 every other month for replaceable heads on my razor. Switched to a safety razor and it’s now less than $10 a year." - raccoon_at_noon

"My menstrual cup purchase in 2017 was $20 and has paid itself off. They’re a little more expensive now but still very much worth it." - in-the-narrative

"Insulated water bottle. I don't buy bottled water anymore or drinks for that matter. I can have my coffee, tea, smoothie in there. Water filter on my faucet (Pur brand) I drink the local city water with that filter and I don't buy purified water." - revelry0128

"$7 basil plant in a pot. It’s well and alive still after three years." - FredBreadBad

- YouTube www.youtube.com

"Reusable grocery bags. Where I live it costs $0.10 for a bag at the grocery store. I figure I'm saving at least $0.50 per week, $20+ per year. Also less trash to get rid of, so its a win win." - Duke0fMilan

"An obd reader for my car. Check engine light came on and I was able to diagnose, make a small fix, and clear the code without driving back and taking it to the shop. I know car parts stores can read them for free, but we were out camping in rural Wyoming, so it was nice to have my own." - puhnitor

"battery charger and pack of 12 rechargeable AAA/AA batteries combo." - CarevaRuha

"Water Sensor for the basement/under sinks. Screeches and sends an alert to your phone if it detects water. It saved us when our dishwasher was leaking and when our sump pump in the basement stopped working a few times over the years." - Pr1zonMike

"Cloth napkins." - Expensive_Bear_1059

- YouTube www.youtube.com

"Hair snake to keep shower drain clear. Clothes steamer to forego dry cleaning bills." - Voc1Vic2

"Huge pack of dish towels. Saves us a ton on paper towels. We still use paper towels for really gross or sticky spills but it’s cut down a ton. Bidet. Cuts down on a lot of toilet paper." - Jealous-Argument7395

"TV antenna." - switchfootball

"A fabric shaver. I paid it around $20. You can remove lint off your clothes and extend their life. You really need to be careful with thin fabrics though because it can create little holes in your clothes (learnt it the hard way lol)." - ybhgt-234ag

"A simple cheese grater allows you to purchase less expensive blocks of cheese, with no anti-caking additives." - orangezeroalpha

"A sunshade for my car windshield. I live in a brutally hot and dry part of California and have to park my car outside. The sun shade has saved my car interior from being completely destroyed by UV rays. Over 200k miles and my black interior still looks really good." - _skank_hunt42

- YouTube www.youtube.com

"Hot glue gun. Solves lots of problems." - gobbledegook

"We haven’t yet reached the hundred mark but it’s certainly paid itself off- the mini air compressor that lives in my car. I got it on sale for $19.95. The gas station charges $2 to turn on the air compressor, in exact change. $2.10 if you have to tap your card. With the amount of times I’ve had to completely fill a tire (both mine and others after various screw related holes, two leaking valve stems, one set of trailer tires that sat neglected for a season), or just top it up when it looks a little low in winter, it’s paid itself off." - Birdo3129

"Bought a fantastic Lodge cast-iron pan at Goodwill for 10 bucks. I won’t need another pan for the rest of my life." - tedshreddon

"Took an online defensive driving course for $19.99 and it's saving me almost $100/mo on my car insurance for the next 3 years." - Hatty_Girl

"For me, a $15 French press. Stopped buying coffee out every morning, saved me hundreds within months." - Altruistic-Bar2459

"Dryer balls. They make my clothes soft without ruining my dryer, and last for years." - Grouchy-Display-457


Pop Culture

30 things frugal folks have stopped buying to save big time

Because saving money starts with re-evaluating your money habits.

Getting rid of some unnecessary purchases can pay off big time.

Saving money is never a bad thing. And for those looking for economical solutions for how to cut back on spending, a smart place to start is taking an inventory of your spending habits and what you buy.

In an online forum of frugal people, member TS1664 posed the question to fellow savvy financial members: "What’s something you stopped buying completely and don’t miss at all?"

They continued, "For me it’s paper towels. Switched to rags and microfiber cloths a year ago and haven’t looked back. I used to go through a roll a week without thinking, now I just toss the cloths in with regular laundry. Saves money and space."

And they ended the post with some more insight. "It made me realize how many things I was buying out of habit, not need. What things others have cut out completely that turned out to be no big deal or even better without. Could use some inspiration!"

The callout garnered some excellent real-life advice from frugal people. These are 30 things that thrifty people shared they stopped buying completely that helped save them money.

"Dryer sheets." Super-Examination594

"Starbucks - bought an espresso machine, took some time to learn how to dial it in and pull a proper shot. It’s been 4+ Years and don’t miss it one bit." Fox_137

frugal living, frugal reddit, reddit, ask reddit, money, saving money, frugal tips, money saving tips "Bought an espresso machine, took some time to learn how to dial it in and pull a proper shot."Photo credit: Canva

"Makeup! Used to wear it every day and buy tons of it to try new products and such. Now I only wear it for special occasions. It works great — even just a little bit of makeup really pops when you hardly ever wear any." VerschwendeMeineZeit

"Soda. Too expensive now. Pre-pandemic, sometimes Kroger would have a sale (4) 12-packs for $10." NotJimIrsay

"Cigarettes 😊." rickety_picket

"Bottled water." WorriedPermission872

"Most fast food but especially McDonald's and bk. When I paid $20 for two adults' meals, it stopped making sense, and I'll cook better burgers and better sides fries at home for less." diegothengineer

"Cable tv subscription." nombreusuario

"Pizza delivery service. Frozen meals are just as unhealthy, but much cheaper." The_Keri2

frugal living, frugal reddit, reddit, ask reddit, money, saving money, frugal tips, money saving tips "Frozen meals are just as unhealthy, but much cheaper."Photo credit: Canva

"We started our pizza making journey by buying dough (under $2) at trader joe's. it really lowered the barrier to entry. once we kind of perfected the bake etc, we started playing with dough recipes until we found one we loved. it sounds painful but it was a good learning experience and fun to do together." suddenlymary

"I stopped buying scented candles. I used to grab them all the time on impulse, but they’re expensive, don’t last that long, and honestly gave me headaches half the time. Now I just open a window or boil some citrus peels with cloves if I want the place to smell nice." HollisWhitten

"Cigarettes and nicotine pouches! Been smoke free since august 2021 and pouch free since July 2024 :)." HueLord3000

"Amazon Prime. We stopped paying for the privilege of shopping and making money for Bozo. Now, we just put stuff in the cart until there is enough for free shipping. I don’t miss Prime, I never found anything on Prime video I wanted to watch once that wasn’t a rental. We live in a rural village, so online is cheaper than driving 25 to 50 miles to a store." cwsjr2323

"Lottery tickets." evissamnoisis

"Hair color. I’ve embraced the gray!" phishinfordory

frugal living, frugal reddit, reddit, ask reddit, money, saving money, frugal tips, money saving tips "I’ve embraced the gray!" Photo credit: Canva

"I’ll add sandwich bread. I started making my own. It costs just over $1 for me to make a small loaf that’s just enough for the 2 of us for a week. Plus no additives or preservatives." BeerWench13TheOrig

"Books. I go to the library." Significant-Emu1855

"Broth. Have an ongoing 'broth bag' going in the freezer. Once I run out of frozen broth cubes, I make another round." Colorfulplaid123

"New clothes from shops! I'm now a charity shop and Vinted gal, my clothes are so much better quality and I spend less." CorinaPhoto

"Bidet toilet seat is cheap, easy to install, much easier and faster to use, and most importantly will keep you far cleaner while not wasting any toilet paper." hopopo

frugal living, frugal reddit, reddit, ask reddit, money, saving money, frugal tips, money saving tips "Bidet toilet seat is cheap, easy to install, much easier and faster to use."Photo credit: Canva

"Menstrual products. Bought a menstrual cup back in 2016 and have not looked back." simply-misc

"Chip clips. I buy cheap old wooden clothespins! Works great and if they break, no biggie. It’s $2 for 24. I also use clear shower caps for dishes I have no lids for or it’s something that can’t have a lid, like deviled eggs. I use the shower caps. Much cheaper than those bowl covers they sell 8-12 in a pack for $1.25. Those bowl covers are kind of pricey and you get 1 large and 2 mediums and a bunch of tiny ones!!" Florida1974

"Alcohol." Fit_Artichoke_523

"Baked beans in the can, I literally keep everything on hand to make it so it was an excess purchase. Instant rice packs, I make regular rice, 20 minutes is not that long 😆 We keep getting gifted napkins but we don’t purchase them." Miss_Pouncealot

"Soap in a pump bottle. Switched to bars (Costco). So much value, less trash and plastic, and a better experience. Why did we invent pump bottle soap??" thebiglebowskiisfine

This article originally appeared two months ago.

Culture

People who live alone share their 45 best money-saving hacks

"I fill empty glass jars with water and store them in my fridge. It costs more to cool an empty fridge than a full one."

Image via Canva

People living alone share their tips for saving money.

Whether you're single or choose to live alone, it can be expensive. Finding ways to save money living alone can take some creative thinking, but there are easy ways to put some extra cash back in your wallet.

In an online forum, member Just_Throw_Away_67 posed the question to fellow people who live alone: "What random cost-saving measures have you found that work well for those living alone?"

And single people and people living solo happily shared their money-saving hacks. These are 45 of the best ways to save money if you live alone.

save money, saving money, money saving, make it rain, save money gif Make It Rain Coupons GIF Giphy

"I'll start, to save money on energy I fill empty glass jars with water and store them in my fridge. It costs more to cool an empty fridge than a full one, and since I don't eat very much my fridge is often nearly empty. Not sure how much this has saved me, but now I have water if I ever were to need it!" Just_Throw_Away_67

"Blackout curtains because I live in the South so it’s always hot. I also have privacy film that blocks some UV rays when I do want some light. Using a floor fan in my room (where I spend the majority of my time) with the door closed to keep it cooler. Close the air vents in my guest room since it’s primarily unused to cut down on AC costs. Cook large batches of food at one time so I’m not constantly using my stove/oven." eternally_feral

"It’s a pain to heat the whole oven for a little food. I recommend an air fryer over a toaster oven though. They’re a bit faster (and you can still make toast)." MissDisplaced

- YouTube www.youtube.com

"I keep my heating and cooling low. I can wear extra layers or less to get to a comfortable temp." Reasonable-Cold2161

"I read a tip to not bother doing a full 'grocery shop' trip if it doesn’t work for you/doesn’t make sense for you. Rather, if you find you’re throwing food away you couldn’t eat in time, try to do the method of going to the store of getting, say, just what you need for tonight and tomorrow’s meals, or whatever." citynomad1

"Grocery delivery. I end up spending 50% less compared to shopping in the store." Everydaylookwithin

"This is why I do curbside pickup. I order through the app, see what deals and coupons they have, stick to my list and don’t end up impulse buying. An added bonus is I can pick up on my way home from work and not spend time waiting in the checkout line." zoebadwolf

fridge, refrigerator, save money, the fridge, open fridge Hungry Midnight Snack GIF Giphy

"It took a little bit of up front investment, but I dumped my gigantic and ancient energy-hungry fridge a long time ago for a brand new one that is much smaller and also has a variable speed compressor for extra efficiency. The energy savings from that move alone probably paid for the fridge several times over by now." BrewCityChaserV2

"I have a countertop dishwasher that I intentionally use only during off-peak hours. Luckily, this rental has a new refrigerator, and I run my air purifier on its 2 hour timer during those off hours (cat hair lol). Oh- I bought a Tushy bidet on sale- it pays for itself in the first year!" sk8rcruz

"I always bring my own lunch to work. I also cut up fresh veggies, put them in ziploc bags, freeze them, and then steam them later in the microwave. You can also just put a whole bag of spinach in the freezer and then steam it in the microwave. Clean with a plastic spray bottle of vinegar and dish soap. Sprinkle baking soda on carpets and rugs before vacuuming." Unhappy-Jaguar-9362

costco, costco card, costco gift, buy bulk, bulk shopping Conan Costco GIF by Team Coco Giphy

"I have milk jugs with water in them in the fridge and freezer. I also buy in bulk. Usually the more you buy the cheaper per unit it is. I have a year supply of everything (joking) not quite but almost. I keep my air conditioner at a warmer temperature and use a fan to cool me all the way. I close blinds and curtains during the day. This cuts down on the heat in the room. Unfortunately it is dark in my apartment during the day , but this can make a difference of up to 10 degrees. This saves on cooling costs. Instead of buying single servings of food. I make a family size amount and put the leftovers in round dinner containers all ready to go for the next meal. These can also be frozen if you don't want the same thing a couple days in a row and put in the microwave for 6 or 7 minutes." Delightful_Helper

"I buy the family size packs of meats, divide and freeze. I also still cook big meals like when my kids were teenagers and divide them into portions and freeze. Its simply too hard to cook for one person. I make a weekly menu of the dishes I want to cook and then place my order for the grocery delivery. It does save money and since I cook a lot of casseroles, big pots of soups and stews, etc., and freeze in portions. I use my air fryer to warm the frozen dishes instead of the oven. It has almost become my hobby to have a variety of different meals through out the week without having to cook every day. Life is good 😊." No_Guava_90

casserole, casseroles, cooking, baking, big batch Latter Day Saints Dancing GIF by Jukebox Saints Giphy

"I try to avoid one time use items. For example: bottled water, wipes, swiffer dusters and mop heads, paper towels, etc add up rather quickly. I use reusable mop pads, reusable duster heads and i always have a stainless steel water bottle with me so i don't have to buy water when I'm out." Rich_Group_8997

"If you own your house: Ceiling fans in every room that have a ceiling light fixture in the center. I also changed almost all lights to LED. When the furnace was red-tagged, I replaced it and the AC. It was a budget buster but there was a federal government rebate. My bills are less and it’s much more efficient and quieter." GRIThere

"I turned up my ac and invested in a dreo fan and another simple standing fan for my room and living room. It’s going to save me about 50 bucks this month I think. Also stocking up on beans and rice and frozen veggies and proteins. Keeps me from eating out of if I don’t want to cook. Also making more than I can realistically eat in 3 or 4 days and freezing the rest. Also utilizing holiday sales for big ticket items. I bought a mattress around Memorial Day and a washer this past week for Father’s Day sales at Lowe’s. The washer was actually 100$ cheaper the day after I bought it so I went in and was refunded the difference." MindPerastalsis

"I live in the southwest. It cracks me up to hear that people are fainting and falling ill in 100 degree heat. It's regularly hotter than hell here. I have two layers of reflectix in all my windows. And I have insulated curtains over that. Then I have two AC units. They are both window units but they are big enough individually to cool my tiny house. I sectioned off my house so that I only have to cool the room I am in. I built a solar water heater. I haven't eaten out in years. I repair everything if I can and have invested in lots of tools. I get up stupid early in the morning so I can sit outside in the coolest part of the day. I only shop for groceries once a month and I use the app so I don't impulse buy. I buy large cuts of meat, then I smoke it all and portion it up and freeze it. Makes daily cooking short and sweet I have leftovers from last night for lunch every day. I make my own coffee and bread I turn on my water heater, when it's cold outside, long enough to heat it up and then I shut it back off. I have it turned up a little bit more so it gets a little hotter, but I only run it for an hour or two every two days. I don't smoke cigarettes. I do vape but I go through like $20 worth of vape pods a month instead of pack after pack of expensive cigarettes. When I use the shopping apps I pay close attention to the cost per oz and get the cheapest I can. I own my vehicle outright. It's older but reliable. I don't have any debt other than my phone and power bill. I only subscribe to 3 streaming services because they are a bundle deal. I don't have cable and my Internet is the cheapest deal I can find. Results are still coming in but I estimate I have cut my power bill alone in half and that's the single most expensive thing I pay." AuntBarba

This article originally appeared in June.