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Education

11 old-timey frugal living habits younger generations need to bring back ASAP

"A penny saved is a penny earned" hits harder in economically uncertain times.

Photo by Jimmy Dean on Unsplash

Learning to cook can save a lot over eating out.

Though people can't seem to agree on what makes the American economy "good" or "bad" (with people's perceptions being heavily influenced by who sits in the White House at any given time), there's no question that economic uncertainty is on many people's minds. Middle-agers who lived through the Great Recession of 2008 and the COVID-19 pandemic of the early 2020s know how fast economic stability can falter, and youngsters have started their adult lives with unaffordable housing and education as well as post-COVID inflation driving up the cost of everyday living.

With a major upheaval of the U.S. government unfolding in early 2025, uncertainty seems to be the theme of the day. When financial instability hits, it's time to take measures to mitigate it however we can, and thankfully, we can learn a thing or two from our elders who lived through the money struggles of two world wars and the Great Depression. Frugality was a way of life for our grandparents and great-grandparents, and though times have changed—a lot—many of those wise ways to save money still stand. And the good news is that many of them are good for the environment and our health as well as our wallet, so

Here are some of the easiest, best frugal living habits we can take from previous generations:

couple cooking togetherCooking can be fun and a money saver. Photo by Jimmy Dean on Unsplash

Cook from scratch

Even with the cost of groceries being higher than they were, it's almost always significantly cheaper to eat at home than it is to eat out. Learning to cook is a useful and enjoyable (for many) hobby that can also save you money, as long as you're not trying to cook something overly fancy. Cooking doesn't have to be complicated, and it's never been easier to find simple recipes. There are even sites that will come up with a menu and recipes for you based on what you already have in your pantry. Stock up on basic ingredients, keep it simple, and find some favorite meals that you can whip up quickly and easily.

Less meat, more beans

Meat is pricey—especially good quality meat—and with animal-borne diseases becoming more of a concern, animal products in general are getting more expensive. Perhaps now would be a good time to transition to more of a plant-based lifestyle, making more use of cheaper protein sources like beans. Canned beans are generally quite affordable, but dried beans are even cheaper if you don't mind taking the time to soak and cook them. If you have an Instant Pot, it's super easy to batch cook dry beans, which you can then store cooked in the freezer for quick reheating.

stainless steel bowls of spicesBulk spices are often a fraction of the price of jarred. Photo by Jason Leung on Unsplash

Buy herbs and spices in bulk

Spices in jars are stupidly expensive sometimes, and you might assume that's just what they cost. But if you've never shopped in the bulk spice section at a store—even at an expensive health food store—you might be surprised by how much cheaper it is. Leafy herbs like oregano, thyme, basil, and sage weigh almost nothing, so even if they cost $20/lb, a jar's worth is often pennies to the dollar cheaper than buying them already packaged. (Just beware heavier spices, as sometimes those can be just as expensive as jarred. Definitely worth comparing, though.)

Borrow and barter

When times are tough, getting by becomes a community effort, but there's no reason we have to wait for an actual economic depression to help one another out or scratch one another's backs. We all have things that sit around not being used much of the time that others might like to borrow, from tools to books. Trading services can be an excellent way to save money in a win-win way.

hands in a gardenGrowing your own food can save a bunch in the long run. Photo by Sandie Clarke on Unsplash

Grow a garden

During the pandemic, many people started growing WWII-style "victory gardens" simply because they could, but gardening can be a great way to save on produce and herbs. If you can start early in the spring and grow from seed, even better. Though learning to keep a garden thriving can be a little trickier than it looks, the savings can be impressive. For instance, one tomato plant can harvest 10 to 20 pounds of tomatoes, so even if you spend $5 on a starter plant, you can save a ton compared to produce section prices at the store. No yard? Gardening in containers works, too.

Clean with vinegar and baking soda

It may seem like a small thing, but lots of small things like cleaning products add up. Buying vinegar in bulk and diluting it 50/50 with water makes a great basic cleaner, and baking soda in bulk can help you scour surfaces as well. Vinegar smell doesn't last long, but you can always add a little essential oil to the mix to add some scent. You might need a stronger disinfectant for certain cleaning jobs, but for a basic cleanser, vinegar gets the job done.

Reuse or reutilize containers

So many foods we buy come in jars or containers, most which get tossed or recycled. Then we go out and buy containers for storing leftovers or other things. Aesthetically, I get it. But practically and financially, reusing or reutilizing containers makes more sense, even if you just use them once or twice and then toss or recycle. Plus, if you reuse jars or containers you're not planning to keep, you can write on them with a Sharpie without feeling like you ruined it.

woman riding white bikeBike more. Photo by Murillo de Paula on Unsplash

Drive less

Americans love to drive and many of us do it far more often than we need to, spending more on gas than necessary. And even though gas prices have come down most places, it still isn't cheap. Combining trips or making a once a week "errand day" can help us cut down on driving. So can carpooling or biking or walking more.

Buy used

Thrift store shopping can save a ton of money, especially if you shop around to various thrift shops to find the ones that actually have good stuff at low prices. Clothes especially can be a much better deal used than new, and no one will ever know the difference. Furniture is also a fraction of the cost used vs. new, and often older furniture is better quality anyway. Check Facebook Marketplace, Craigslist and other online markets for used items before running to the store or buying something new online.

person wearing black and gray jacket in front of bookshelfLibraries usually have a lot more to offer than just books. Photo by matthew Feeney on Unsplash

Utilize your public library

Public libraries are treasure troves of free stuff, and not enough people take full advantage of them. Not only can you get books, but many libraries have huge collections of movies or other entertainment. Some have art collections you can check out, others have tools and household items you can borrow. There are also free book clubs, lectures, classes and other activities that can add to your social calendar without spending anything.

Make do with what you have

This might sound like a no-brainer, but many of us have gotten into the habit of buying whatever we think we need simply because it's convenient. Amazon has created some habitual buying habits that we might want to rethink if we're trying to save money. Do you really need a new jacket or is the one you have still perfectly usable? Is there still some life left in that pair of shoes? Even holding off on buying things for a month or two and making do with what you have can help you save money and see that you don't need as much as you might think.

Lots of small savings can add up, so don't assume that a few cents or a dollar here and there don't matter. Once you get into these habits, you may even find that frugal living to be a preferred way of life, regardless of your financial situation. It certainly can't hurt to try it.

This article originally appeared in March

People might not consider driving the speed limit to taking care of your teeth as money-savers, but they are.

No matter how the economy is doing at any given time, people are always looking for ways to save money. Rents go up. Job losses happen. Kids need braces. Retirement looms.

Financial advice often focuses on where to put your money for the best returns, but that advice is only helpful if you have extra money to save or invest. Money-saving tips can help free up some cash to save or invest, and they can also help you avoid having to put borrow money or use credit for things you can't immediately afford.

While some people understandably scoff at frugal tips like "eat less avocado toast"—as if saving a few bucks here and there will solve the housing crisis or make college affordable—there is something to be said for small amounts adding up. For instance, not buying a soda when you're eating out to save $4 may not seem like much, but if you did that once a week, you'd save over $200 in a year. Not a fortune, but nothing to sneeze at either.

And if you start combining lots of small money-saving habits like that, you may be surprised at what a difference it makes. Here are nine super simple ways people can save money—but often don't—from users on Reddit:


Take good care of your teeth

"An ounce of prevention's worth a pound of cure," as the saying goes. Toothbrushes and dental floss are cheap. Cavities, root canals and gum disease are wicked expensive. Good oral hygiene may not be the first thing you think of when it comes to saving money, but ask anyone who has neglected their teeth how much it has cost them in the long run.

"Take care of your teeth: brush and floss everyday - preventative care now will save you THOUSANDS later if you need major dental work!

"Yup. This is often overlooked advice. My mom had lost most of her teeth by the time she was my age (40). She always said that this was her biggest regret in life. Because of this, my siblings and I have always been pretty good about taking care of our teeth. Right now my mom has dentures that don't fit well because she lost another of her remaining teeth but can't afford new dentures."

"As someone who has paid a thousand and will pay many thousands more in the near future…yes. Take care of your teeth."

"Can confirm! Just spent 20,000 on my teeth. Talk about eye opening!!!"

Only drink water

Drinks are expensive, and not just fancy ones. A basic soda will set you back $3 or $4 minimum at most restaurants, and everything else goes up from there. Water is free. Even at home, you can save a lot by simply drinking water. It's a simple rule that helps improve the health of your body as well as your bank account.

"Drink water at restaurants and not soda."

"Only drink water. Not only will you save money, but your body will love you for this as well. Win\win."

"Water is my biggy. Don't drink soda period. Filtered at home. Doing this for 5 years and seriously tastes so good."

"Yep. Just take a look at what restaurants charge for a soda. It's usually around $3 now. Then, look at how many empty calories are in a 20 oz soda. It's basically 10% of your daily value on just one drink. Not worth it."

"If I learned anything in the military... drinking more water solves 99% of all problems."

Use the library (not just for books)

Free reading material? No brainer. But libraries have so many more free services that people often don't know about. From movies to language learning apps to artwork and tools you can check out, the range of things you can get from the library is wild. Definitely worth checking out your local public library's offerings if you haven't lately.

"Make use of free services. Mostly, the local library. Sometimes there's a feeling that just because it's free it's trashy or peasant-like. I don't need to pay to see something in order to feel good about it. And libraries are amazing! Free books! Audio books! So many things."

"My library has tools and equipment available to borrow. Before going to big orange to rent a pressure washer, floor sander, paint sprayer, or post auger, I always check the library first lol"

"Public libraries are a gold mine for (almost) free. Ask them about their other options (than books, movies, music, etc.). Many libraries offer museum passes. I’ve heard of fishing poles. My library has a seed library."

"Ours you can check out a sewing machine. Plus attend a free workshop to learn how to sew!"

Ditch DoorDash

I know. All of those food delivery services are so convenient. But they're also soooo expensive. If you're in money-saving mode, definitely avoid these services like the plague. Just pretend they don't exist (because they literally didn't until very recently).

"This. Your meal is easily 50% more expensive when you factor in delivery fees and a tip. and some restaurants charge more on door dash than they do in-person."

"Delivery fee? That's just the tip of it! Ever notice how there still is a bunch of extra fees on top even when they offer you the delivery fee for free?"

"And to make it worse, I tell myself that I have to order more food to justify the delivery fee! So now just paying more and overeating."

"It really is an addictive habit. We started using it during the pandemic and it really just was a bit of convenience that we found hard to give up because it was so easy... Pick up your phone, order, get delivery, eat, done... Every time we saw the card, we knew that the delivery fees were what was pushing our eating out budget way over but after a hard day of work and school, it was easy to convince ourselves that delivery is a worthwhile indulgence and the expenses add up real quick. It took us a lot of introspection and telling ourselves that we were 'sacrificing' for the future, and all that to stop ordering via delivery apps and within a couple of months, we saw us being closer to managing our budget."

Drop addictive substances

Addiction is a huge and tricky challenge, for sure, and I don't want to minimize how difficult this tip might be for some. But drinking, drugs, smoking, vaping, gambling—they all cost a lot of money. And the addictive nature of them means that you'll just keep spending more and more.

"Quit addictive habits: Smoking, drinking, coffee, weed, etc. They're all expensive and you'd save a bundle quitting. But people don't because they think those things make life better. Some do and some don't, but the monetary savings can't be discounted. If you're broke, don't smoke or drink. Some people truly need weed for health problems. But nobody needs the others."

"Stop drinking and smoking, the government punishes you with a sin tax and makes big time bank of your vices."

"Seems obvious but quitting smoking. I see so many people complain about being broke but spend hundreds a month on ciggs."

"Stop drinking, smoking and going out so often. You'd be surprised how good sobriety feels! Even if you continue, just slow down!"

Say no to storage

Most of us have too much stuff. There is an entire industry around trying to help people pare down and "declutter," and there's an entire industry dedicated to renting people space to store their excess stuff. Making a rule to only hold onto the belongings that actually fit in your home will save you a lot of money in storage.

"More prevalent in the US, but get rid of your storage unit and most of the stuff in it. More often than not, you're paying more to store things that it would cost to buy it all again. If you can't fit it in your home, re-evaluate if you really need it."

"There are so many huge storage unit buildings in my area and it makes no sense to me. How important can this stuff be if you can't fit it in your home? I understand there are certain situations that require for a short term solution."

"That was my goal for 2022, Took me a few Saturdays to go through everything but it was worth it. I'm having over $200 a month now."

Cook at home a lot more

Even when inflation makes grocery prices uncomfortably high, it's still almost always cheaper—often significantly so—to cook food at home compared to eating out. Yes, that even goes for fast food. There are a million videos and social media channels dedicated to cooking and recipes can be found for free all over the internet.

"Cook at home 98% of the month."

"Cooking/meal prepping VS Eating out every night."

"Batch cooking saves both time and money. Like you can spend 2 hours making meals for the rest of the week. Paying 8-15 dollars to eat out adds up very, very fast, if you do it regularly, to keep up with work or personal schedules."

"Learn to cook what you like to eat."

Drive the speed limit

This isn't one people usually think about, but driving the speed limit saves you money in several ways. For one, it's gas-efficient, and with the cost of gas in some places, it's worth easing up on the gas pedal. Second, speeding tickets are expensive, plus they lead to higher insurance premiums.

"For those that don't get this: driving the speed limit avoids citations but also saves you gas, extends oil life and tires some, extends brakes quite a bit, and just generally lowers the wear and tear on your vehicle."

"This is so underrated, I don’t think enough people realize the extra cost of driving fast."

"It also only gets you there maybe 1-2 min faster, at best. Hitting Traffic lights at the wrong time will ruin any gains made by speeding. And only if you don’t get caught. Get caught and get points on your license, a fee, and it delays you 20-30 minutes."

"Your car insurance rates go up when you get tickets also. Get too many, and they may drop you."

"My step-sister was saying she pays the city about $500 a month in speeding tickets and parking tickets. The real wild thing is she said it like its a normal thing everyone has to deal with, like she was shocked when we didn't say 'Well that's <CITY> for you. What can ya do?'"

Fix things yourself

Many people never consider trying to fix something themselves, assuming that sort of thing is best left to the experts. But there are so many resources now with YouTube videos and such that can help walk you through a lot of fix-it projects that can save you boatloads. Not everything can be a DIY, of course, but probably more than you might think.

"I've saved thousands of dollars by repairing things myself following YouTube videos. Washer, dryer, automotive stuff, cell phone screen replacements, etc."

"There is a website, repairclinic.com. They not only have tons of videos on how to fix stuff, but they also sell parts. I have a dryer that’s over 40 years old. I can’t get parts for it in regular stores. That website has been a lifesaver! I’ve been able to keep the thing going for the last decade and it works great! I’ve spent maybe $75 over the years to keep it running. Definitely cheaper than a new one."

"If you tackle things within reason it saves a butt load of money. $350 mechanic bill turns into $16 part and 1hr of your time."



A happy woman holding up a few hundred dollars.

A strange thing about being an adult is that many of our core personality traits, including our attachment styles, attitudes towards failure and ability to resolve conflicts, are developed as young children and can follow us for the rest of our lives.

In addition to those traits, psychologists are beginning to understand that we develop our attitudes about money as children and they can significantly impact our financial future.

American clinical psychologist and planner Dr. Brad Klotz developed a theory called the Klotz Money Script, in which he outlined the four core beliefs that people have about money. They are either money-avoidant, worship money, status-seekers, or vigilant.

He’s also created a test that people can take to learn which money script they follow.


Klotz believes that many factors contribute to the money scripts we run in our heads. “It’s not just errors in thinking; it’s also developmental psychology, multicultural psychology, family systems. It brings in all these other areas of psychology to help understand financial behaviors,” he told The American Psychological Association.

Here are the 4 money scripts:

Money Avoidant

People who are money-avoidant believe money is evil. They might feel they don't deserve money, think the wealthy are corrupt and see virtue in living with less. They may be prone to sabotaging their finances, have trouble budgeting, or avoid dealing with money altogether.

Money Worshippers

These people believe that money solves problems and brings happiness. They never feel they have enough money and find that the pursuit of money makes them miserable. They often have high levels of debt and lower net worth.



Status-Seekers

Status-seekers often equate their sense of self-esteem to their net worth. They like to show off flashy clothes and cars but are prone to overspending. They are usually attracted to gambling, borrow money from others and hide spending from their spouses.

Money Vigilant

The Money Vigilant make the best decisions for their financial health. They believe in working hard, saying no to handouts and saving. They also avoid credit card debt and love a good bargain. However, being vigilant can cause them to fear their financial futures, which can create a constant feeling of anxiety.



Overall, Klontz believes that the financially vigilant have the greatest chance of becoming financially prosperous. However, it can come with some pitfalls.

“Don’t let your healthy vigilance turn into anxiety or a tendency to hoard out of fear. If you feel that watching over your financial situation is taking up more than an hour a week, keeping you up at night, or getting in the way of other hobbies or activities that you want to do, it may be time for a change,” he said according to SF Money Coach.

In the end, to be free from the financial attitudes that were cultivated in us as children—at a time when we hardly knew what money was—Klontz says it’s important to examine your past so you can plot a better future.

“Take some time, interview your family members, be an anthropologist into your own family,” he told CNBC. “Try to figure out why your family has the beliefs around money that they have.”

Pop Culture

People reveal which paid memberships are 100 percent worth every penny

"Costco… For the chicken and food court alone it is worth it."

Photo (left) by Johannes Andersson on Unsplash Photo (right) by Ben Wicks on Unsplash

From National Parks passes to air ambulance services, some memberships are totally worth it.

With the basic cost of living stretching many folks financially, people are always on the lookout for ways to save money. But with long-term commitments and ever-increasing costs, people are also often wary of memberships or subscriptions that might save you money (or at least be worth what they cost), but also might not.

Thanks to a Reddit user who asked fellow Redditors, "What membership is 100% worth every penny you pay for it?" we've got a list of memberships that might actually be worth checking out.

The kinds of memberships people listed vary widely, from warehouse stores to learning programs to medical evacuation services, but everyone who shared made a strong case for why the cost of them are worth it.


Here are the memberships people say are worth every penny:

Emergency Helicopter Services

"I live on an island in Alaska with limited healthcare. An emergency flight to a more capable hospital will cost $50000. For $100 a year I save $49900 if I ever need their services. That $100 covers everyone living under my roof. There is no limit on the number of flights. And seniors pay $75. Of course, the flight isn't a guarantee. Bad weather or the donated jet needing repairs can, and does, prevent you from being flown out." – Ksan_of_Tongass

"Can't believe someone beat me to this.
A year and a half ago, I had to be medevaced to Seattle with a broken back. Price tag on the flight would have been $141,110.89...
Good thing we are a member of the air med network!" – Tedious_research

"More common than you would think. They have this same premise in rural Texas for about $25/m." – sevargmas

The Great Courses (or Wondrium)

"The Great Courses. It’s now under the umbrella of Wondrium (and they have a bunch of other stuff, but I look for the GC stuff) They have hundreds of courses. Each one has roughly 26-40 lectures. They’re the best professors in the world - the ones that students report as their favorite teachers.

My boyfriend and I always have four on Thursdays: a science, an art, a philosophy (or wild card) and a history. We’ve done classes like: botany, the analects of Confucius, The Medici’s, the physics of time, early humans and the history of food.

I’ve got a good deal with them at $10/month all I can stream. Great for lifelong learners." – Shaydie

"I bought a 2 year subscription (when it was 50% off) and never looked back. Ancient Egypt is probably the best course I've ever taken, even including courses I've taken in college. It's old (1999) and some things have been disproven since, but it's still so damn good. Now I'm watching Ancient Mesopotamia, which is also very good." – Ok-Supermarket-1414

"I’ve learned so many things from having a Wondrium subscription (and mostly the great courses ones are my favourites). I think having the streaming version of this versus buying courses has led me to learn so many more things than I would have, and try and some and find out they weren’t really for me." — Shipping_away_at_it

Mountains rising up behind a lake at sunset

Grand Tetons National Park

Photo by Nate Foong on Unsplash

National Parks Pass

"The US National Park Senior Pass. The BEST bargain in the nation." – BrunoGerace

"We toured the us in an rv this year, and the america the beautiful pass paid for itself many, many, many times over." – mushnu

"And if you're not a Senior (or Vet) the annual pass is still a deal. Visit 3 NPs or NMs in a year and it's paid for itself." – Kerensky97

"I’m canadian, I’ve seen national parks in canada, a lot of europe and the us, and it’s not even a fair contest. The national parks in america are s tier amazing sites. Diverse, well cared for yet wild, affordable, etc." – mushnu

The YMCA (though this varies a lot by location and income)

"YMCA - I pay $70 a month for a family of four and it includes use of the pool, gym, and sauna and up to four hours of childcare a day. I go nearly everyday and have lost 60 pounds over the last six months. It’s also my only childcare as a stay at home mom so it keeps me sane." – neopolitandynomite

"Came here to say this! I’m in WI and pay $82/month for my family of 7. We go 3-4 times a week, love it. Also have volunteered to coach soccer and have kids in the youth sports. Pool, hot tub and sauna is like a spa to me." – Martini6288

"My family YMCA membership (one adult + children) is $115/mo, but even so, it's totally worth it! I attend at least 3 group ex classes a week, my kids go in the kid zone, they get swim lessons, T-ball, summer camp, etc at reduced cost. It's also very convenient as we live right across the street. We attend many of their special events too (Halloween party, pumpkins in the pool, etc)." – WhJoMaShRa

AAA

"AAA or equivalent roadside service club in your respective country. A single tow costs more than your membership and it quickly pays for itself. Plus all the other discounts and affiliated services they offer, it is absolutely worth the money." – llcucf80

"Between tows and the times either I or someone I was with locked their keys in their car, it has more than paid for itself. It has been a life saver more than once." – nelsonalgrencametome

"Family car broke down on a road trip. My dad had some upper level AAA membership or something, because they covered the tow, a bus ticket for me home while they got covered in the affiliated hotel for 2 nights, along with meals." – DopeCharma

"I haven't owned a vehicle in over 6 years, up until the last two years I've had a AAA membership.

It's worth mentioning that it's not like insurance, it's your membership. I kept it because I could call them if a friend needed a tow, someone locked their keys in their car, needed gas but no way to get it, flat and no spare, doesn't matter

If you have a membership, youre present, card in hand, doesn't matter who's vehicle it is, you're golden. I even got complete strangers a tow, I wasn't gonna use them.

One time I even got my own vehicle out of an impound using AAA because the tow company was certified with AAA and it was only impounded for expired tags. I didn't pay a dime to the tow company, they just got more from me requesting the tow through AAA to an auto shop

Amazing service, 100% worth every penny." – drklunk

front view of a costco store

Costco can save you on a lot more than just chicken.

Photo by Grant Beirute on Unsplash

Costco

"Costco… For the chicken and food court alone it is worth it." – Peach3ater

"Even if you ONLY buy allergy med from Costco, it’s worth the membership fee. $70 membership + $14 bottle of 365 allergy pills is basically 2-3 months max of Claritin or other brands at regular grocery store." – the_bio

"For me it's my contacts. Just my regular prescription for a year is more of a discount at costco vs 1800contacts than the membership costs." – MRoad

"There are so many things it can save you $10 a month on. It’s insane. My wife and I probably save $120 a month on everything from bulkier groceries/snacks, paper towels/toilet paper, laundry detergent, some clothes, tires and gas. We don’t even drink soda or have pets, both of which can more than pay for a membership. We live an hour away and factor our time/wear and tear on the car into how much it saves us. $120 a month easily even on a light month." – sevseg_decoder

Spotify Premium

"I've had Spotify premium since 2011 and I listen to it all day every day. Best value subscription." – Breakfast_1796

"Undoubtedly this, especially compared to what you used to have to spend on physical media. Even then, you’d be stuck with the same handful of albums with one good track instead of nearly every song ever recorded." – Chewie83

"Sometimes I imagine explaining Spotify to my 16-year-old self. "So for about the price of a single CD a month... You can have all the music ever, on demand. All of it, Whenever you want..." It's honestly a dream come true for me lol." – DAFUQ404

"I've had the spotify family plan since like 2015 or so. 15/month for 6 people? Yes please!!! I'd be paying 10 just for me to have premium. Now my fiancée, my adult children, my bestie, and her husband all have a quality music service." – eyemacwgrl