More Daily Habits (Frugal, Old Fashioned, Simple Living)

More Daily Habits (Frugal, Old Fashioned, Simple Living)

Living below your means is about spending less than you earn and finding contentment in simplicity. It’s rooted in frugality, old-fashioned values of thrift, and intentionality about needs versus wants. Adopting daily habits that align with these principles can help you get out of debt, build savings, and embrace a lifestyle not defined by materialism.

In today’s consumer culture of excess, it can be countercultural to reject overspending and needless luxury. But living below your means has benefits beyond your bank account. It decreases stress, helps the environment through less consumption, and allows you to focus on what matters most – time with loved ones, helping others, and finding fulfillment beyond possessions.

The freedom of financial independence can be achieved by making intelligent daily choices. Small changes accumulate into peace of mind and stability. Read on for five daily habits to incrementally modify your behavior and spending.

Habit 1: Meal Plan and Cook at Home

Planning out a week’s meals in advance saves you time and money. You can shop once for everything you need rather than multiple trips to the grocery store. Meal planning also reduces the likelihood of resorting to takeout on busy nights. When ingredients are prepared and recipes ready to go, you’ll stick to home cooking.

Preparing meals at home costs a fraction of what you’d pay at restaurants. For a family of four, about $120 of groceries provides a week of meals, whereas a single dinner out can run you $50 or more.

When meal planning, look for recipe ideas that use inexpensive ingredients like beans, eggs, rice, and root vegetables. Buy produce in season for the lowest prices. Roasting a whole chicken provides meat for several meals. Double recipes and freeze half for future use.

For example, a pot of chili, rice, and cornbread can feed you for 3-4 dinners, with the leftovers frozen for lunches. A little planning goes a long way to provide wholesome, wallet-friendly family meals.

Habit 2: Entertain at Home

Meeting friends for drinks after work or going out to eat on weekend nights adds up fast. Instead of defaulting to plans in public places, get in the habit of entertaining at home. Potlucks, game nights, or crafting parties are budget-friendly ways to get together.

For snacks and beverages, buy store brands, make your own, and use sales. For example, a pitcher of mojitos will cost far less than everyone buying a cocktail at a bar. Make your own hummus, guacamole, pizza dough, and other crowd-pleasers.

Rather than racking up expenses at birthday dinners, host a celebration at home. Your loved ones will enjoy being with you in a relaxed environment. If you have small kids, trading babysitting with other parents allows you each to have a night out for free.

Entertaining at home lets you socialize on your terms, keeping costs minimal. The conversation and companionship are what matters, not fancy locales.

Habit 3: Use Libraries and Free Activities

A wealth of free entertainment and education resources exist in your community, often funded by local taxes. Take advantage of these to engage in culture and continue learning without spending a dime.

Your public library provides free access to books, DVDs, e-books, classes, and more. Seek free days at museums, historical sites, and art galleries, which generally charge admission. Attend free public lectures at schools and community centers. There are likely affordable plays, concerts, and festivals put on by local organizations, too.

Check event calendars for your city and library website for upcoming free activities. For an educational day out, pack a lunch and go to a museum with free admission. Or spend a rainy afternoon browsing the library stacks and checking out new reads.

Learning and experiencing the arts expands your mind and enhances your perspective. Take your kids along, too, to model lifelong learning. With an openness to discovering what is freely available, you can integrate more culture and knowledge into life.

Habit 4: Limit Shopping and Live With Less

Avoid aimless browsing in stores and shopping for entertainment purposes. With online shopping making purchases just a click away, be vigilant about discretionary spending. Make a realistic personal budget for clothing, entertainment, electronics, hobbies, and other non-essentials. Track your spending to see where money leaks out unnecessarily.

Before buying something new, ask yourself if you could borrow, find used, or make do without it. Pare down belongings so you fully appreciate what you already have. Follow minimalist principles to keep your living space tidy and not overrun by stuff.

Limit convenience store trips where the prices are higher. Shop with a list at low-cost grocery stores. Meal planning again helps curb extraneous purchases. Wait 24 hours before clicking purchase on impulse online buys. Email sale announcements can lead to unnecessary “good deals,” so unsubscribe from brand lists.

When you’re deliberate about what comes into your life, you gain greater clarity on needs versus wants. You spend on what truly matters rather than accumulating meaningless possessions.

Habit 5: Repair, Repurpose, and DIY

Don’t toss items that tear or break. First, try to repair them yourself. Items nowadays are often designed to be discarded rather than fixed. But with some creativity and effort, you can extend their life.

Likewise, upcycle or repurpose products creatively to give them renewed use. An old dress shirt can become a child’s apron. Leftover lumber works for DIY shelving. Save and reuse glass jars, plastic containers, and other household items.

Take on slight home improvement or maintenance projects rather than hiring others. Paint a room, fix leaky faucets, clean the gutters, mow the lawn, etc. Watch tutorial videos to build your handy skills.

For food, embrace the nose-to-tail, root-to-stem philosophy. Stretch dollars at the grocery store by utilizing the entire plant and animal. Make broth from chicken bones, pickle carrot top pesto, and ferment vegetable scraps.

With some imagination and proactivity, you can care for your belongings and home in an economical, eco-friendly manner. Don’t rush out to replace items when a fix may do.

Living below your means allows you to avoid debt, save money, and focus on life’s priorities. It starts with the daily choice to spend mindfully and intentionally. Meal planning, entertaining at home, utilizing free community resources, limiting shopping, and maintaining/repurposing items help alter habits away from needless excess.

Small, frugal decisions each day enable outsized financial gains over months and years. Brown bag lunches save thousands annually. Brewing morning coffee rather than stopping at Starbucks preserves hundreds. The pennies saved each day eventually grow into dollars you can invest, donate, or put toward whatever matters most.

Beyond money management, embracing simplicity in possessions and activities creates space for what truly matters. Financial independence provides freedom to pursue dreams and passions. When you owe less, you can work in a lower-stress job since you don’t need a massive paycheck to service debt payments.

Living below your means can challenge mainstream assumptions of success and status defined by material accumulation. But once you overcome the fear of missing out, you may find yourself missing nothing at all. A simpler, frugal lifestyle centered on people, learning, and service can be deeply rewarding.

Case Study: Sarah Learns to Live Simply

Sarah was struggling with $15,000 of credit card debt accrued through weekend escapades, fancy vacations, and happy hours with friends despite earning only $38,000 annually as an administrative assistant. She decided it was time for a lifestyle change to pay down this debt and start saving.

  • Sarah started meal-prepping hearty lunches on Sundays so she’d resist going out midday. She canceled the wine and book of the month clubs, along with a few other subscriptions she didn’t use often. Rather than expensive yoga classes, she followed free YouTube workout videos.
  • Sarah also committed to a “no-spend” month. She paused all discretionary shopping, bought only groceries and gas, and got creative with activities. She played board games with friends and checked out hiking trails nearby.
  • Additionally, Sarah took on odd jobs like dog walking, mowing lawns, and selling items she no longer used. She put all her earnings towards her credit card debt.
  • Within seven months, through her new daily habits and additional work, Sarah paid off the $15,000 credit card balance. She no longer lives paycheck to paycheck and now puts savings into an emergency fund each month.

Sarah found creativity, meaning, and closeness in her days by spending less. She realized happiness doesn’t correlate with money spent. Her lifestyle aligns better with her values and brings her contentment.


Living below your means requires a shift in mindset and priorities. It’s countercultural in consumerist societies that equate spending with success. But embracing frugality and simplicity can profoundly impact your financial independence, health, relationships, and purpose. Start with small daily choices to meal plan, limit shopping, entertain at home, use free community resources, and maintain belongings. These habits accumulate over time into substantial savings and less stress. Beyond dollars and cents, living below your means creates space to focus on what matters: personal growth, time with loved ones, and serving others. Fulfillment comes not from accumulating possessions and experiences but from meaningful connection and purpose. With more aligned daily actions, you can live on your terms.