I’m a Frugal Living Expert and I Refuse to Use These 13 Money-Saving Hacks


I’ve been a frugal living expert for over a decade, but there are some things I won’t do to save money. Here are 13 things I refuse to do to save cash.

Clean My Own House

Photo Credit: Shutterstock

Time is money, and we’ve paid someone to clean our house for over five years. Paying a house cleaner isn’t the most frugal thing in the world to do.

However, I earn more money in an hour than our housekeeper does. By paying her staff to clean our house I free up time to work on my business. That’s also not to mention it’d take me much longer to clean our house than it does our housekeeper.

She comes once a month and gives our house a deep clean. We don’t live in squalor between those periods either. Our kids help around the house to ensure they’re keeping things relatively clean.

Pay For Everything in Cash

Photo Credit: Shutterstock

Dave Ramsey, and other financial experts preach the evil of credit cards. Can they be bad in the wrong hand? Sure they can.

But, I hate paying with cash. Furthermore, we use rewards credit cards to travel hack. With a family of five that enjoys travel, it quickly gets expensive.

Travel hacking allows us to greatly reduce that price. We pay our bills in full each month and we’ve taken many trips for pennies on the dollar. That’s a win-win.

Buying Cheap Food

Photo Credit: Shutterstock

Eating Ramen or fast food may seem like a good way to cut costs. It’s often not. Fast food and pre-packaged good tends to be high in sodium, and other unhealthy things.

These can lead to numerous health issues, which cost you in the long run. Saving money is fantastic, but not if it costs you more down the road. We spend a little more on food to ensure we get nutrient-rich foods that promote good health.

Purchase Cheap Shoes

cheap shoes
Photo Credit: Shutterstock

I love to save money, but buying cheap shoes isn’t worth it. The age-old axiom of you get what you pay for holds true here.

Cheap, poorly made shoes often offer minimal support, which can cause other long-term issues. They also typically fail in terms of comfort. You only get two feet, so treat them well.

Avoid Meal Delivery Services

meal kit service
Photo Credit: Shutterstock

Mention meal delivery services and a super frugal person may shudder. However, when done wisely, a cheap meal delivery service can save loads of time when you have a large family.

They help aid meal planning, are often cheaper than eating out, and help you identify new to you meals. The time-savings alone is worth it.

Make Our Own Laundry Detergent

Photo Credit: Shutterstock

Many frugal experts loudly promote the cost-savings in making your own laundry detergent. We skip it in our family.

Reports show it may not be the reduction in cost you want. For a few dollars more I can have something I know that works, and time savings. That’s well worth the cost.

Buying More to Save More

Photo Credit: Shutterstock

Buying in bulk can be a great way to save money, until it hasn’t. Whether it’s food waste, or you just can’t get through the item quick enough, purchasing in mass quantities isn’t always wise.

Unless it’s something we know we will go through, we hold off on bulk purchases simply to save money.

Avoiding Experiences Because of Price

Photo Credit: Shutterstock

You can only live this life once. It, and the world, is meant to be experienced. We value showing our children as much of the world as we can while we have them.

But, this can get expensive. We avoid other costly things to make the travel or experience affordable. It’s not difficult, but often requires planning. Paired with travel hacking we can make many of our wants possible.

DIY Home Repairs

Photo Credit: Shutterstock

I love the idea of DIY, but there’s one problem – I’m not particularly good with my hands. Yes, we can do some simple things in our home, but anything beyond that we risk it leading to a more expensive mistake.

We know what we can do, and hire out the rest. It saves us time and the potential risk of more expense.

Using Cheap Toilet Paper or Paper Towels

Photo Credit: Shutterstock

Have you ever tried cheap paper towels or toilet paper only to discover that you use more than a quality product? If so, you’re likely wasting money and creating more waste.

Finding a good quality paper product on sale is one thing. But, using toilet paper you find in a gas station bathroom isn’t frugal. It’s miserly.

Not Throwing Things Away

Photo Credit: Shutterstock

Keeping something you might use in the future is an excellent way to save money. However, if it has been years since you’ve used the item it becomes something else – hoarding.

We regularly cull through items in our home. If it hasn’t been used in over a year, and we don’t foresee using it in the next year, we get rid of it. We sell it to recoup some costs, or we donate the item. If we need to replace it in the future, it won’t break the bank.

Avoiding the Bar

Photo Credit: Shutterstock

Alcohol is no doubt expensive. It’s also something people can enjoy together. Occasionally visiting the bar to have a shared experience is good for the soul and for friendships.

I just make sure to do it wisely and know my limits.

Purchasing a Warranty

Photo Credit: Shutterstock

Retailers love to pitch extended warranties, and some frugal living experts espouse having them. We skip them at every opportunity.

First, it’s just a money-maker for most retailers. Additionally, many products that die often do within the first year. If you purchase with a credit card, you also likely have extra coverage through the issuing bank.

35 Proven Ways to Save Money Every Month

Photo Credit: Shutterstock

Many people believe it’s impossible to save money. Or, they think saving $20 or $50 a month won’t amount to much. Both are incorrect. There are many simple money-saving tips that can amount to big savings. You just have to start one, then another, to increase your savings.

Ways to Save Money Every Month

7 Steps to Break the Paycheck-to-Paycheck Cycle

delivery app jobs for the summer
Photo Credit: Shutterstock

Making ends meet is hard on a limited income. However, it is possible to break the cycle and find financial stability. You just need to know where to start.

How to Stop Living Paycheck to Paycheck

Side Hustle Apps to Make Extra Money

lady cash
Photo Credit: Shutterstock

Earning cash on the side is a fantastic way to make ends meet. But, which opportunities will help you the most? Side hustle apps connect you with good-paying gigs in your area so you can earn money in your spare time.

23 Best Side Job Apps to Make Extra Money

How to Save Money on Groceries

save money on groceries
Photo Credit: Shutterstock

It can be a challenge to keep grocery costs under control. With a little planning you can cut costs and not sacrifice what you want.

How to Save Money on Groceries