20 Frugal Living Tips When You Are Broke
Let’s be real—being broke sucks. It’s stressful, overwhelming, and sometimes downright embarrassing. But here’s the truth: you don’t have to live miserably just because money is tight. In fact, some of the smartest financial habits are born when you’re flat-out broke.
I know this because I’ve been there. A few years ago, I had more bills than dollars in my bank account, and I remember Googling late at night, “how to survive when you’re broke.” What I discovered is that frugal living isn’t about deprivation—it’s about creativity, mindset, and small daily wins that add up.
If you’re nodding along because you’re in the same boat right now, don’t worry—you’re in the right place. I’ve pulled together 20 frugal living tips that will help you stretch your money, save where it counts, and maybe even enjoy the process. Ready? Let’s dive in.
1. Create a “Bare Bones” Budget
When you’re broke, every dollar has a job. A bare bones budget focuses only on essentials: housing, food, utilities, and transportation. Cut everything else (for now).
- Cancel non-essential subscriptions.
- Pause eating out.
- Prioritize bills that keep a roof over your head.
Think of it as financial triage—deal with the necessities first.
2. Cook at Home (Yes, Even the Simple Stuff)
Eating out—even “cheap” fast food—adds up fast. Cooking at home can save you hundreds each month.
- Batch cook meals like soups, pasta, or rice bowls.
- Use ingredients that stretch (beans, potatoes, eggs).
- Learn 3–5 “go-to” recipes you can rotate.
Pro tip: if you’re short on time, cook once and freeze portions for later.
3. Shop Smart with Grocery Hacks
Groceries are one of the biggest budget-busters, but with a little strategy, you can slash the bill.
- Buy store brands—they’re often made in the same factory as name brands.
- Stick to a weekly meal plan and shopping list.
- Shop discount stores or farmer’s markets near closing time.
Bold move: bring cash only. It forces discipline at checkout.
4. Cut the “Convenience” Purchases
Ask yourself: do I really need that daily iced coffee or gas station snack? Those little “treats” can quietly drain $100+ per month.
Instead:
- Make coffee at home.
- Pack snacks in your bag.
- Skip delivery fees by picking up food if you absolutely need takeout.
5. Use Public Transportation (or Carpool)
If you can, ditch the car for a bit. Between gas, insurance, and maintenance, cars eat money. Public transportation or carpooling with a friend can save hundreds per month.
And hey, if walking or biking is an option? That’s free exercise.
6. Embrace Thrift Stores and Secondhand
Why pay full price when you don’t have to? Thrift shops, consignment stores, and even apps like Poshmark or Facebook Marketplace can help you score cheap (sometimes brand-name) clothes and furniture.
Pro tip: only buy what you need, not just because it’s cheap.
7. Cancel Unnecessary Subscriptions
Streaming services, gym memberships, subscription boxes—they add up. Take 15 minutes to look through your bank statement and cancel what you’re not using.
Honestly? You don’t need six streaming services. Pick one and rotate later.
8. Master the “No-Spend Challenge”
Set a time frame (a weekend, week, or even a whole month) where you only spend money on absolute essentials.
It’s eye-opening. You’ll notice how often you spend out of habit, not necessity.
9. DIY Whenever Possible
From home repairs to personal care, there are countless YouTube tutorials to help you do things yourself.
- Cut your own hair (if you’re brave).
- Fix small home issues.
- Learn to cook new recipes instead of ordering out.
DIY = money saved.
10. Use Cash Envelopes
This old-school budgeting method works wonders. Divide your spending money into envelopes (groceries, gas, fun). When the envelope’s empty, you’re done.
It forces you to see and feel the money leaving your hands.
11. Negotiate Your Bills
Yep, you can actually call your internet, phone, or insurance company and ask for a better deal.
- Ask about promotions or discounts.
- Mention you’re considering switching providers.
- Be polite but firm.
You’d be surprised how often they’ll say yes.
12. Sell What You Don’t Need
Look around your house. Chances are, you’ve got unused gadgets, clothes, or even furniture collecting dust.
- List items on eBay, Facebook Marketplace, or Craigslist.
- Host a garage sale.
Declutter your space and pad your wallet at the same time.
13. Find Free Entertainment
Being broke doesn’t mean being bored. You just have to get creative.
- Local libraries often have free events, books, and movies.
- Parks are free for walks, picnics, or workouts.
- Many cities host free concerts or festivals.
Fun doesn’t have to cost money.
14. Meal Prep and Avoid Food Waste
Did you know the average household wastes 30–40% of their food? That’s like tossing money in the trash.
- Freeze leftovers before they spoil.
- Plan “use it up” meals once a week.
- Keep older food at the front of your fridge.
15. Embrace Minimalism
Less stuff = less stress = less money wasted.
Ask yourself before every purchase: “Do I actually need this, or do I just want it?”
You’ll be amazed at how much lighter your life feels.
16. Learn Basic Cooking Hacks
Even if you’re not a chef, mastering basics like making bread, soups, or sauces can save you tons. Store-bought versions are overpriced.
And IMO, homemade food tastes better anyway 😋.
17. Take Advantage of Community Resources
When money is tight, don’t be afraid to look for local help.
- Food pantries.
- Freecycle groups.
- Community swap events.
You’re not alone—plenty of people are in the same boat.
18. Lower Utility Costs
Utilities eat into budgets fast, but small changes save big:
- Turn off lights when not in use.
- Unplug devices (phantom energy is real).
- Use fans instead of AC when possible.
- Shorter showers = lower water bills.
19. Build a Side Hustle
Even if you’re broke, you can start a small side hustle with little to no upfront cost.
Ideas:
- Freelancing online.
- Selling handmade crafts.
- Pet sitting or babysitting.
- Tutoring.
That extra income can relieve so much financial pressure.
20. Shift Your Money Mindset
This one’s less about tactics and more about mindset. Being broke doesn’t define you. It’s temporary. The way you approach money now sets the tone for your future.
Instead of thinking, “I can’t afford this,” start asking, “How can I afford this?” That shift is powerful.
Conclusion
So there you have it—20 frugal living tips when you’re broke. From cutting back on unnecessary spending to building smarter habits, these steps aren’t just about surviving—they’re about setting yourself up for long-term stability.
I know from experience that being broke can feel overwhelming, but every small change really does add up. Whether it’s cooking at home, thrifting, or negotiating bills, the goal is to take back control of your money one decision at a time.
Remember: frugality isn’t about missing out—it’s about making the most of what you have. Start with one or two of these tips today and build from there.
And hey—if you’ve got a frugal tip that’s worked wonders for you, I’d love to hear it. Share it with me so we can all learn from each other. After all, we’re in this together 💪.
