15 Household Hacks to Save Money Without Being A Cheapskate

15 Household Hacks to Save Money Without Being A Cheapskate

Want to know how you can save money by living a frugal life? There are so many ways on how to become a saver without sacrificing on your quality of life.

Let me show you 15 household hacks to save money.

1. Save on Utility Bills

how to become a saver

Manage the time you use on phone calls, water, and electricity.

If you are using a landline, charges will apply for a month or more. Should you expect to have long duration calls, avoid using a landline and instead, use your mobile with prepaid credit.

This will help manage your time on calls and air time balance. You can even opt for calls and chats over wi-fi.

Not everyone, but some of you might have subscriptions with your internet providers, which you will have to reconsider if ever their packages add too much to the bill.

Then we shall look into how much water do you use throughout the day.

Taking more than two showers a day would be a real problem here. Not only you are using too much water, but also depriving your body of its healthy bacteria.

Otherwise, take care of letting a tap open only when you have your hands or a water-containing vessel underneath.

Be sure you set the right amount of water in your washing machine as per the load size of clothes. You would not want to waste useful time to wait for, or start the process over again.

2. Save Money Through Energy

power saver at home

While smart homes have excellent energy efficiency, they are very expensive. Though we are free to pick from their eco-friendly features for our homes.

The best way to save money on electricity bills is to use energy-efficient bulbs.

For example:

The Philips smart bulb is an excellent device that doesn’t consume a lot of electricity.

You can save more if you have an intelligent energy or power saver at home.

To have a maximum power efficiency device is an advantage, like the EcoWatt energy saver, that not only lowers your power consumption but also captures lost energy.

Keep in mind that saving energy is the need of the hour. Whenever you are out shopping, do keep track of energy conservation products as well as energy-saving services.

When buying an appliance, do compare the energy efficiency ratings to be sure you’re taking one with the highest rating.

Little savings gradually cumulate to big ones, so here are 5 ways to conserve electricity by yourself:

  1. Most commonly, the wisest thing to do is to switch off lights and appliances when not in use.
  2. Take a shorter time for showers. In this way, you are reducing your heat pump electric bill cost.
  3. Unplug the power cable of appliances instead of leaving on standby.
  4. Promote natural ventilation whenever possible over fans and ACs.
  5. Set the correct settings on your regular appliances (Fridge: between 2°C and 3°C, Freezer: -18°C) and/or oven (depending on food type).

As a matter of fact, you can save your resources with a vast knowledge of home science.

For instance, if you use mostly oil for cooking, you can still use already used oil for another cooking session (except for vegetarians). Should you intend to reuse it, take care of limiting its use to a few times only while having been well conserved.

Using oil at high temperatures can be right to save time but actually not the gas. Since oil is at its hottest, you no longer need to heat it to cook; you can continue using it until it stops frying the food in it.

If you do not earn much, the less you add to the bill amount, the better you learn how to budget and save money on a low income.

During critical situations where you are running low on credit, you can choose the devices which you want to abstain from using or even set an energy conservation day, on which plans like camping and trekking would be more than better.

This way, you can make a big step towards energy-saving and environmentally friendly features.

3. Save Money on Groceries

save money on groceries

Saving money on groceries is a science.

The most important thing here is to know how to set up your groceries budget.

Here’s a few useful tips to get you started:

  • Figure out what’s your maximum expenditure.
  • Check how much food you waste a week (reconsider buying less of them).
  • Check how to buy in bulk. This depends on your food storage size and your family members’ choices.

Stay up-to-date with deals and coupons offered by supermarkets, and make sure you collect them.

Nowadays, digital credit offers its own advantages. With privilege cards, you are allowed to add up privilege credits for each payment, which can be used as discounts for later purchases.

Eventually, you will be most likely to go grocery shopping once many or all of your groceries are over so that you spend on them at most once or twice a month.

4. Start being frugal

turn yourself into a frugal person

If you want to turn yourself into a frugal person, you need to avoid wasting at all costs.

Tend to spend the least money as possible for things that are really necessary for the current moment. For that, your consumption capacity and budget can help determine the appropriate choice of product/service.

Before you do, you need to know the difference between cheap people and frugal people.

frugal or cheap
Image Credit: Squawkfox.com

You might find that being cheap saves you a lot of money but actually brings you to do things not even a poor person would dare.

So before you look for how to be an extreme cheapskate, remember not to put your health or social life at stake.

Any facility using needs (amongst water, electricity or food) is more or less available in certain places. For instance, if you are a gym person, you can shower at the gym itself to save your water bill.

Not just facilities, think of all the household items that are no longer usable due to various reasons (out of quality, fashion, stock). Normally people would throw away these things but frugal people would allow them a second chance.

5. Make Your Own DIY Cleaning Products

make diy cleaning products
Photo by JESHOOTS.COM on Unsplash

There are alternative cleaning products to the ones you buy. And they are natural.

Watch this video to make your own:

7 DIY CLEANERS | My Favorite Natural Cleaning Products!

By doing this, you are reducing the size of your grocery list as well as your monthly expenditure.

Be aware that there are household items you have that can be used for a totally different purpose than their default one.

6. Spend Less Money on Food

save money on food
Photo by Brandless on Unsplash

Despite the many reasons that bring you to spend money on food, it is bad for you to keep doing so.

If we consider the financial drawbacks, any food item you pay for will prevent you from increasing or maintaining your savings.

There could be the reason that you are a busy person or don’t know how to cook. But you happen to make the correct schedules and rely on cooking books and videos, you can come to start saving money again.

Where health is concerned, for any random fast food bought, we ignore completely the quality of food served unless proven with a quality certificate.

Buying fast food is for the moment or the day while buying provisions is for a much longer-term. Still while looking for low prices, you are planning and varying your food every day, all while staying healthy.

By the way, while you settle for the idea of preparing meals at home in the style of fast foods you would usually consume,

  • you need not to wait behind others to get your order.
  • you will still have some money to spare.

As an extreme cheapskate, you might want to fish or hunt to find food. Still, you will need skills and practice to end up with a delicious and sumptuous meal.

7. Reuse and Recycle Plastic Bags

Re use and recycle plastic bags

You probably would use paper bags to carry groceries to be eco-friendly and that too on a day other than a wet day.

However, biodegradable plastics would be a better choice since you could use it for a longer-term as long as they are well maintained. After that, it could serve as compost along with rotten food for your plants.

Other normal plastics, like clear plastic bags or cling film, can still be used again if they are kept flat and unfolded in a cool place.

Once your snacks are over, you can gather the pile of wrappers to clean and make something useful or simply decorative for your home.

8. Donate for a good cause

donate for a good cause
Photo by Kat Yukawa on Unsplash

Often look for events or other opportunities where you donate your household stuff which is taking space or energy-consuming to people who really need them.

It might be possible that in this case, you earn something as a reward. Otherwise, you only got rid of useless stuff that was a hindrance to your saving.

You can directly have new stuff in exchange for an old one. You need to watch for such places or sites. If you have your old stuff ready, you can go to the link below to start trading.

36 Bartering & Swapping Websites – Best Places to Trade Stuff …

9. Repair or Recycle

repair and recycle
Photo by Jasmin Schreiber on Unsplash

All or most objects in your house must have had each at least an “accident” in their existence, after which they became faulty and ineffective.

Rather than buying to replace one, try to repair it, either by yourself or a professional. This might cost you a little but not as much as its original price.

If repairing comes up to no good, there is still recycling. You can do it yourself with brainstormed ideas or leave it up to the recycling factory.

Even if you are at a loss after going through the above, you are left with something almost in good condition which you can sell in a garage sale or on commercial websites like Decluttr.

10. Promote Natural Ventilation

Promote Natural Ventilation
Photo by Alistair MacRobert on Unsplash

It is known that still air inside the house is more likely to trap heat than to let it off. Most of you will bring in a fan or turn on the AC, depending on how much you are close to sweating.

Even then, I suggest to let the outside breeze do the job, though cooling a room this way takes some time.

In addition, you can apply some deodorant or just use a small water spray bottle to cool your skin down.

With the minimum of electric appliances, too much energy isn’t lost unnecessarily.

If you enhance your room with some plants for a green or eco-friendly interior design, you might find it a bit cooler than usual since plants produce oxygen along with their food.

11. Reduce The Use of Paper Towels

 Reduce The Use of Paper Towels
Photo by Jalen Hueser on Unsplash

When we talk about paper, we should not forget that it is made by felling trees. A strip of paper towel can be used as long as it is not wet or stained. Once no longer usable, it is thrown away.

Instead, you could be more eco-friendly by using them as compost since it is of a water-absorbing material.

What would be more economic is an alternative that would come at a lower price and last longer, such as dish towels. Made with cotton, they can stand up to repeated uses and you are saving an average of 37 cents.

12. Avoid Living Paycheck to Paycheck

avoid living from paycheck to paycheck
Photo by Alexander Mils on Unsplash

Such kind of living implies a tight salary, small budget, and unexpected expenses sometimes. This might lead you to think whether you’re “living on the edge” if you are asking how to save money from your paycheck.

Start with the motivation of a bigger goal, like a dream vacation, a new house or family planning. Even if you are running low on money, what matters is savings account with small emergency funds.

Analyze your bills and contact the company you are paying the most frequently. Ask them for a lower rate if you have been an unremitting client to them.

As long as you can cope with it, you can also take up a temporary second job, post your day job hours. This is one of many other income streams you find out after you manage to win some savings from your current income.

13. Put Money Away For Later Use

Do not save what is left after spending but spend what is left after saving.

Warren Buffett American business magnate, investor and philanthropist - pinterest.com

When you collect money in a safe place, you need to know that if you are used to spending money, the intended use of the savings would not be accomplished so keep in mind – how to save money without touching it?

The best way to save money is to put money in a remote place and avoid touching it.

So, how much should you put away monthly?

It all depends on your budget and salary. By default keep half of your salary for big expenses like rent and groceries. Do not get carried away into splurging at any time.

So part of your salary should cover only the important monthly expenses. The rest goes into your savings.

While you are trying to reduce the consumption of energy and other household resources, you are increasing your final budget and also decreasing the impact they have on the environment.

14. Make a Budget For Your Household

Make household budget

To do so, gather all your bills at home, keeping receipts and invoices aside. From what you have, there are utility bills, grocery bills and other intangible information.

Make a list of the expenses mentioned below and by using an average, you can reach an expected figure for each category.

Fixed expenses

Here, we are concerned about taxes, insurance, house and car payments. These fixed expenses are dealt with, but not as often as the regular expenses below. Stay updated on discount programs and/or credits available on any of them.

Electricity bill

Energy, mentioned as the product of power and time, indicates that the energy consumed in the period is relative to the total power.

The more energy consumed by appliances, the more will be the bill amount. Limiting the use of high power-consuming appliances to some time is one of many solutions I can suggest you.

Do check your electric meter often to give you an idea of constant consumption.

Phone bill

In addition to your calls, internet packages and TV subscriptions are billed along.

Unless your house has large premises, it is preferable to stick to low ranges of internet speed.

Not all channels subscribed are watched equally often, so you should optimize them by unsubscribing to the rarely used ones, or the TV package(s) they belong to.

Water bill

Here also, charges depend on the difference between your current and previous meter readings. Keep a track on the meter reading to know your constant consumption.

Grocery bill

The total amount not just includes the prices but also a fixed tax applied on each item bought. By choosing grocery items necessary at the moment, you might save some bucks that would help you later.

Transport cost

If you travel by public transport, check how much it costs you to take a specific bus/cab, and to go to your regular destinations. If you have a means of free transport, you don’t have to worry about.

If you travel by car very often, then only you should fill your fuel tank regularly. Otherwise, please consider eco-friendly transport for lower expenses, health benefits and fewer traffic jams.


The rest of your salary is kept for retirement, long-term savings, household implementations, and fun and leisure. These savings can help in the future in rare cases, for example, debts, vacations, reparations or other payments.

15. Earn Interest on Your Money

Earn more interest
Create an online savings account which offers high interest

When saving your money into a bank, be assured that it is safe and has all security measures taken, like being FDIC-insured in case of bank outage.

Look for (online) banks that give you higher yields as well as perks that pay. Some might not pay you interest but instead, pay you some cash back on debit card purchases on a regular basis.

Register for a checking account with a high yield

Why checking account? Rewards checking accounts are known to pay you higher interest on balances.

They offer other advantages like bonuses on sign-up, cash back on a debit card purchase, frequent flyer miles and ATM fee refunds.

Establish a CD ladder

While the average CD rates are low, it is best to look for higher-paying CDs so that you can withdraw your money at any time without taking a penalty.

A CD ladder helps you to deposit cash in many CDs that develop at different stages. The plan allows you to access your savings at different times, so you can benefit from higher interest rates.

Get into a credit union

Credit unions are NPOs, so they will return profits to their members as more lower fees and favorable interest rates.

If you wish to join a credit union, you need to have specific biographical criteria to be eligible. Read about 3 Credit Unions You Can Join Online to know how to serve nationally while managing your account.


On an ending note, the key to saving money is to save and conserve your household resources to avoid wastage and look for plausible ways to generate money using them.