Frugal people aren’t just about saving money — they’re smart about where their money goes.
Instead of wasting cash on things that don’t add real value to their lives, they find ways to cut costs without sacrificing quality or comfort. Whether it’s by avoiding unnecessary fees, skipping overpriced convenience items, or simply making more intentional financial choices, their habits help them build financial security over time. While some of these choices might seem small, they add up in a major way in the long run. Here are just some of the things the most frugal among us refuse to spend money on.
1. Bottled water
Spending money on bottled water is one of the easiest ways to waste cash, especially when tap water is free or close to it in most places. Thrifty people know that buying a reusable water bottle and using a filter at home is far more cost-effective in the long run. Even when travelling, they opt to refill their bottles instead of constantly buying new ones.
Not only does this habit save money, but it’s also better for the environment. A one-time investment in a high-quality reusable bottle eliminates the need for single-use plastics. Many of them also install water filters at home, ensuring clean, great-tasting water without the ongoing expense of purchasing it.
2. Brand-name groceries
People who are always looking for a bargain understand that generic or store-brand items are often just as good as their name-brand counterparts. In many cases, they’re made in the same factories with nearly identical ingredients—just with different packaging and marketing.
By opting for supermarket-own brands, they save a significant amount over time. Whether it’s pasta, cereal, cleaning supplies, or over-the-counter medicine, the difference in price is often far greater than the difference in quality. They compare ingredients and try different brands to find the best value without compromising on taste or effectiveness.
3. Extended warranties
Many retailers push extended warranties on electronics and appliances, making them sound pretty necessary, but thrifty people know that in most cases, these warranties aren’t worth the money. Instead, they trust the standard manufacturer’s warranty and take good care of their purchases to extend their lifespan.
If something does go wrong outside the warranty period, they weigh up whether it’s cheaper to repair or replace rather than paying for coverage they may never need. They also research brands and products known for reliability, reducing the chances of needing a costly repair in the first place.
4. ATM fees
Paying to access your own money is something these people avoid at all costs. Whether it’s a cash withdrawal from an out-of-network ATM or unnecessary banking fees, they know these small charges add up over time.
To avoid this, they plan ahead by using free cash machines, withdrawing cash in bulk, or using digital payments whenever possible. Some even switch to banks that refund ATM fees, ensuring they never waste money just to access their own funds.
5. Single-use cleaning products
Source: Unsplash They definitely steer clear of overpriced, one-time-use cleaning products like disposable wipes and expensive branded sprays. Instead, they opt for multipurpose solutions like vinegar, baking soda, and reusable cloths that clean just as effectively for a fraction of the price.
Not only do these alternatives save money, but they’re also better for the environment. By making their own cleaning solutions or choosing refillable options, frugal individuals cut unnecessary expenses without compromising on hygiene.
6. Brand-new cars
A brand-new car starts losing value the moment it leaves the dealership. That’s why frugal people rarely, if ever, buy one. Instead, they look for well-maintained used vehicles that have already gone through the steepest depreciation, allowing them to get more value for their money.
Buying second-hand from a reputable source or choosing a car that’s a few years old can save thousands. Many of them also prioritise fuel efficiency and low maintenance costs to avoid unnecessary expenses down the line. They research the reliability of different models to avoid costly repairs and unnecessary upgrades.
7. Impulse purchases
They rarely buy something on a whim. They take time to think about whether a purchase is truly necessary and look for the best price before committing. They know that impulse spending often leads to wasted money on things that don’t provide long-term value.
They often use the 24-hour or 30-day rule, which means waiting before making a non-essential purchase. If they still want the item after that time, they’ll consider buying it — but often, they realise they don’t need it at all. This habit helps them focus on spending money on things that genuinely improve their lives rather than temporary desires.
8. Designer clothes and accessories
Source: Unsplash While some people splurge on high-end brands, money-conscious people know that a designer logo doesn’t always mean better quality. Instead of paying for a name, they look for well-made, long-lasting clothing at a reasonable price.
They often shop during sales, visit thrift stores, or buy second-hand online. Prioritising timeless, durable pieces over trendy fast fashion means their wardrobe lasts longer and costs less in the long run. They also invest in quality over branding, ensuring their purchases are practical and versatile rather than status symbols.
9. Gym memberships they don’t use
Many people sign up for gym memberships with the best intentions, only to stop going after a few months. However, thrifty people don’t waste money on something they’re not fully committed to. Instead, they look for free or low-cost fitness options that keep them active without the recurring expense.
Whether it’s running, home workouts, hiking, or using community fitness centres, they find ways to stay active without a hefty monthly subscription fee. If they do want a gym, they make sure it’s one they’ll actually use before committing, ensuring they get real value out of their investment.
10. Daily takeaway coffee
While an occasional café visit is fine, they don’t spend money on takeaway coffee every day. Those small purchases add up, and they know that making coffee at home is far more cost-effective. A few pounds a day might not seem like much, but over the course of a year, it can add up to hundreds, if not thousands, of pounds.
Investing in a good coffee machine or even a simple French press allows them to enjoy high-quality coffee without the daily expense. By cutting out unnecessary spending on coffee shops, they save money while still enjoying their caffeine fix, often at a fraction of the cost. Many even take their coffee with them in a travel mug to avoid temptation when out and about.
