Ways To Cut Costs

Ways To Cut Costs And Save Money

Cut Costs

Living frugally doesn’t have to be difficult, or even inconvenient. There are simple things you can do to cut costs and save money and still enjoy your life. Since I’ve started to get into the frugal living lifestyle, I’ve learned so many things and I want to share them with you.

I’m happy to say we have only a few more payments left on one of our vehicles and we will be fast-tracking payments for vehicle number 2 as soon as possible! Living frugally is making a huge difference in our lives.

A short while ago I became a stay at home Mom.

Before this, I was working full time and my kids were in daycare for 10 hours a day. My 2 boys were constantly sick and therefore I had to take a large chunk of time off every month to care for them. Not being able to fire me for this reason, I got let go from work without cause.

What a blessing in disguise! Since we had 1 income stream (which was fine because I was barely making enough money to cover our $2000 daycare bill every month anyway)  we did have to make some adjustments to our lifestyle.

More Saving Money Tips

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Things To Stop Buying

Buying Coffee Shop Coffee –The first thing we did was evaluate our spending. Can you believe we were spending $400 a month on Tim Horton’s coffee? It’s only $2 a cup, and yet with 2 people drinking Tim Horton’s on a daily basis, we were spending a ton of cash!

We cut down on our Tim’s and started seeing the savings pretty quickly.

Grabbing Corner Store Snacks – Corner store snacks were a huge money sucker for us. My hubby, bless his heart, loves the corner store. We spent a ton of cash there every month and I didn’t even realize it was a problem until I sat down and evaluated the spending.

We were able to cut down on our corner store spending by including the snacks that were purchased from the corner store into our grocery budget. We had to expand the grocery budget to accommodate but it wasn’t nearly as much as going to the store daily and spending $20 or more in one go.

Giving Expensive Gifts – If you’re going to a wedding, it may not be a bad idea to buy something brand new, but make sure you buy it on sale! If you are shopping for kids, you can buy gifts second hand and the child will love the toy either way. They honestly don’t know the difference between new and gently used anyway and they barely play with the toys they already have, so chances are this toy will end up in the toy box unplayed with within the week.

Splurging On The Latest Electronics – While it is so nice to have the latest and greatest technology in the house, it is not necessary to splurge on those items when money is tight. If you have extra money that doesn’t affect your savings or your current financial position, then yes! Go ahead and buy electronics, but it is not required for you to have the best of the best right away.

Also look for sales when you need a new TV or Surround Sound System.


More Ways To Cut Costs

Meal Planning – Chances are, if you’re planning your meals, you won’t have produce go bad, you won’t overspend at the store and you’ll be less likely to go out to eat.

Meal planning does great things for saving money. Just last month we spent under $300 for 30 days of meals for my family of 4. Oh and on the note of meal planning, I highly suggest investing in a deep freezer because it will be a lifesaver when you’re buying food weeks in advance.

Turning Down The Heat – It is a good idea to keep your home around 68 degrees in the daytime during winter, even if you are at home with the kids. Chances are, you’re probably pretty busy with all the playing and cleaning you have to do that you’ll keep warm anyway! We usually turn our heat up to 71 degrees at nighttime and then it goes down to 68 again at 7 am.

I like to bake with my kids during the day so that can keep my kitchen quite warm for a better part of the afternoon and I like to keep my kids dressed in warm PJs in the daytime. This get’s a little difficult when you have a potty training 3-year-old who doesn’t pull his pants down yet to go potty, but we make it work to keep the heating bill low. We managed to save over $200 on heating and electricity in the first month I started to implement our heating rules.

Cutting Down On Laundry- You may be laughing at me on this one but it’s true. You can cut down on laundry by asking your children to put things that they did not end up wearing back into their drawers instead of on the floor. You can also wear some clothes for more than 1 time before washing. I personally complete a load of laundry once every 2 days.

I used to do it once a week and then live out of laundry baskets because I was too tired to fold 8 loads of laundry in one go…but I have since changed my ways and now I have no issue folding a small amount of clothing from one basket and putting it all away.

You can really keep track of what your kids are wearing, not wearing and what’s actually dirty this way. I am down to 4 loads of laundry a week with my new system and that is 4 loads of laundry less than I used to do.

Insulating Windows – If you live in a colder city as I do, your windows may be a source of lost heat. If that is the case, see if you can find some window wrap, silicone or edging to add to your windows to keep the heat in.

Check to see if your doors are properly fitted to the frame so that the heat stays in your home. One of our back doors has a large space between the door and the threshold and I just put a blanket right at the bottom of the door to keep the heat from escaping the house. This is a temporary solution of course but it is working quite well for the time being.


Frugal Family Activities

Spending Time In Nature – Walking outside of your home doesn’t cost anything and is a great activity to get the kids active. We spent the summer of 2018 screen free and at local playgrounds. We hit up 3 playgrounds PER DAY! Yes I am insane and I was exhausted but we all had the best time and spent no money on all the excitement.

Using Yearly Passes – In my city, we have a zoo and a science center that are 2 favourite activities for our family. To get into these places costs a fortune and so we invested in some family passes that cost the same as if we went to these places 2 times. Since we love to go to these places a few times a month, these passes were well worth it. *Tip* If you do end up going to places like that often, pack your lunch because eating out costs a ton!

Staying In For Special Nights – You can make any family day in a special one, you just have to get a little creative. My father, for example, whips out his guitar and teaches other family members music. My husband and I like to play board games with our kids. You can host a movie night with favourite snacks or do something super simple like a pipe cleaner craft that takes seconds to create but can provide an hour of fun. Get creative and stay frugal!


Things To Keep In Mind When Shopping

Create A List- Whether you are off to the grocery store or you need some household items, it is important to have a list so you don’t stray and buy more stuff that you may not really need.

I create a list even if I’m simply going to the thrift shop because I won’t be going to the thrift shop unless I need something specific, and it is so easy to buy more than what you came for when the prices are so low.

Coupons Are A Marketing Tactic – If you walk into a shop and see the coupons available and something from your list is on sale, then fantastic! Go buy that thing at discounted prices. As tempting as it is to buy something at a discounted price that you need anyway eventually, it is better to stick to your plan.

If you do end up spending extra on an item you saw was on sale, adjust your list and sacrifice an item of the same value. If it’s not worth it to do that, then skip the item.

Clearance Rack Deals – If you are out shopping for clothing, check out the clearance rack before you hit up the regular sales. You never know what you might find in there! I found some of my favourite items of clothing on clearance racks. It’s not that the clothing is bad quality, it’s that the company had trouble selling it for whatever reason and now needs more space for new arrivals. Reap those benefits and shop clearance.


We were forced into our frugal lifestyle because finances got tight, but we learned so much in a short period of time and we are loving the frugal life.

How Do You Cut Costs To Save Money?

51 thoughts on “Ways To Cut Costs And Save Money

    1. For sure! They are just there so they can get you to buy items you never knew you needed but they make you feel good about it because you save money – but you really don’t!

  1. Great tips! I’m a mom of 8 kids so we definitely had to crack down on our spending and saving of money over the years! We loved getting those yearly passes for family fun too!

  2. Thank you for writing this awesome article. I’m a long time reader but I’ve never
    been compelled to leave a comment. I subscribed to your blog and shared this on my Facebook.
    Thanks again for a great post!

    1. Right?! Kids are happy and so is your wallet. They don’t care if they get the newest shiniest things- not when they are still small. So take advantage. Go frugal Momma!

  3. These are some really great tips! I think our biggest money spender was my husband stopping at the gas station for a snack and leaving with 3 different snacks, 2 different energy drinks, a candy bar and who knows what else! Every trip seemed to be $10-15. Seriously crazy how fast it adds up!

    1. That’s the worst. My hubby is still a big gas station snack guy. I can’t seem to shake him off the junk food. But, I now allow room for it in the budget and if he stays in the allowed budget then I’m not too upset anymore!

  4. Yes! Yes! Yes! I’m with you on your tips! It’s not that hard to make some habit changes and it really adds up. 🙂 I love just being in nature, and that’s what our family does most of the time for our activities.

  5. Great list. The other strange thing I’ve found that has saved a huge amount on groceries is online grocery shopping. I do “click and collect” where you order online and then pick up at the store. I do WAY less impulse buying. I have to pay the small pick up fee, but it saves money overall.

    1. I love it! We click and collect also when I don’t have the time to do a shop. I like to involve my kids in the grocery shopping even though most of the time they end up laying on the floor for whatever reason…I call them “Floor Children”..But I love to involve them in the grocery process. I click and collect in the winter when it gets to -40 weather though.. praise the lord for click and collect in the winter.

  6. Great post!!! Meal prepping was a huge money saver for me, its just finding the time and energy to actually do it! I also make grocery lists or else I’ll end up coming home with snacks that we dont need?

    1. I cannot go to the store without a list, my shops turn out to be awful and we run out of food before I wanted to. List= lifesaver !

    1. I like to meal plan loosely, so i have meals I planned to eat, but i don’t eat them on the days i planned to eat them on..if that makes sense? That really helps me stick to my budget and plan.

  7. My husband and my worst habit is not grocery shopping and ending up going to fast food/restaurants instead. It drains our wallet. We are currently trying to meal plan and grocery shop every other week

  8. There are some really good tips here. I need to work on cutting down my spending and sticking to my budget. Meal planning will also help with cutting down expenses. These tips are great for living frugally. I’m going to try them! Thanks!

    Kendra?

  9. Being frugal doesn’t mean being cheap. Like you noted in your post, there are so many things that we as a culture feel we need to buy and waste our money on, when in reality, they are unnecessary items that we do not need; we should be putting away that money instead! These are really great pointers on living more frugally.

  10. Meal planning has been one of my new favorite obsessions. It has saved me so much time and money and not to mention given us healthier options!

  11. I love that your first recommendation was to stop buying coffee! I was averaging a couple hundred dollars a month at Starbucks and it’s made a huge impact on finances since I cut it out!

  12. those coffee weekly drinks add up. My friend said she was spending over $30+ a week because she was getting it daily!

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