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How To Turn Saving Money Into A Lifestyle

Updated on September 2, 2012


Saving money can become a science. I don't mean by that that saving money has to make you cheap by any means.

I mean that by saving money across the board and employing tricks and techniques, you can lead a financially solvent life and thus attain what most of us seek - happiness!

Being free of the worry of debt is's weight in gold.

Not worrying about the future is an ideal which most of us want to attain.

Is it possible to live a lifestyle that revolves around being frugal and saving money without being cheap? You bet!

Let's look at some of the components of living a money-saving lifestyle.



Healthy finances will keep your head above water more than any other element of your saving-money lifestyle. Knowing how to keep out of debt is essential to frugal living.

Some of the components of healthy finances:

  • Never spending more than you make
  • Saving money whether on line or in a bricks and mortar bank
  • Having an emergency fund in addition to savings
  • Budget is not a dirty word - we all need to learn to budget for everything
  • Investing wisely and depending on your age and years out from retirement
  • Saving money on your taxes
  • Investing in retirement accounts
  • Learning to save for big events or purchases to pay in cash
  • Avoiding credit card debt
  • Paying off whatever you charge every month without fail
  • Paying more on your mortgage to get it gone



Whatever you have in life, whatever you purchase in life, taking care of it will make the investment worthwhile.

Things we should maintenance:

  • Our health - without it, saving money won't matter
  • Our dental health - again, why throw away what we are given for free?
  • Home maintenance - keeping it up is going to go a long way to help retain its value
  • Car maintenance - cars need regular maintenance to give you the best performance
  • Pet maintenance - without it, we end up paying more in the long run for illnesses
  • Appliance maintenance - in the end, you pay more to replace something
  • Computer maintenance - paying more to replace or fix is not saving money


There are many day to day savings philosophies and strategies that will keep you financially sound and give you peace of mind as well. Why? Because you did not overspend or put yourself into debt!

Consider these possibilities and see if they don't make sense:

  • Always evaluate need versus want in every situation - it will help you make good decisions
  • Take budget friendly vacations rather than extravaganzas
  • Tone down the cost of celebrations and concentrate on the meaning of them
  • Never buy anything unless it is on sale
  • Price shop for everything and compare to get the lowest possible price
  • Meal plan and trip plan to cut down on unnecessary spending
  • Think about ways that you can do things yourself that cost less money
  • Conserve everywhere you can - on energy and on waste
  • Think outside the box when it comes to entertainment and trim those costs
  • Lead a simpler life and saving money will happen automatically!



When we think of wealth, we sometimes get that confused with what we have in the bank. Or maybe our investments.

Consider these things in terms of your wealth or what you have:

  • Your home and what it's worth - make sure you value it and care for it
  • Not necessarily having the best of everything but caring for everything you own
  • Buy smart when it comes to cars or other equipment you need in your life
  • Think of the gift of utilities and have a care to conserve on them whenever possible
  • Computers and phones are valuable tools in our relating to the rest of the world
  • Happiness is the greatest wealth you can find so strive for it - make it happen!


You can be underinsured but in today's world, most people are overinsured. Why? Because they don't take the time to investigate how much they truly need....and unfortunately, many people operate on fear. Fear of getting cancer, fear of losing their home, fear of credit card fraud. The list goes on and on.

Concrete insurance that we all should have:

  • Medical insurance - to live without it is financially disastrous
  • Vision and dental insurance if you can justify the cost versus paying out of pocket
  • Auto insurance - again, suicide to live without it though evaluate your plan
  • Homeowner or renters insurance - have enough to cover what really matters
  • Life insurance - make sure the policy structure fits your lifestyle and age


Inevitably, we all get old, whether we like it or not. Having a financial plan for our sunset years is an essential part of maintaining a money-saving lifestyle. We must be ready to face our senior years with assurance that we will be financially taken care of.

Ways to arrive at retirement financially secure:

  • Make sure that you apply for Social Security at the age that most benefits you financially
  • Contribute to IRA's, 401(k)'s and other retirement plans as much as you can early
  • Don't let frivolous purchases talk you into withdrawing your money
  • Make sure you have a Living Will in place
  • Take the time to decide on your wishes for funeral arrangements to avoid debt for heirs
  • Try to make sure your mortgage is paid before you retire!


It's really not a new concept. People have been living a frugal life for hundreds of years.  Sometimes we simply lose our way in the day to day living and that can take our focus off what is really important.

Sometimes spending money can be senseless and become an addiction. The more we make, the more we think we need to spend.

Having budgets and learning to live within our means or even below our means can net you some pretty incredible returns in terms of saving money.

That most important question should be our mantra on saving money....Do I really need it or do I just want it?

With so many things to spend money on these days, it's easy to lose sight of what is really, truly important in life. Saving money is a great part of that, but happiness should be the underlying foundation that our life is built upon.

Saving money doesn't have to be painful. Turning saving money into a lifestyle is easier than we think if we just use some sense in our spending habits.

Above all, having a care for the future, for those around us and the planet on which we live will go a long ways towards saving on many levels.

If you have more ideas on how to live a money-saving lifestyle, please leave your comments below!


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    • Happyboomernurse profile image

      Gail Sobotkin 

      9 years ago from South Carolina

      I so agree with everything you've said here. It's much easier to do proper maintenance, live within or preferably below our means and choose to spend money wisely on things we need, not just want for a momentary pleasure. I also believe in spending money on fun activities that can be shared as a family. We long remember the fun we may have had on vacation, but rarely remember the useless trinkets purchased while away.

      Rated up, useful and interesting.

    • akirchner profile imageAUTHOR

      Audrey Kirchner 

      9 years ago from Washington

      Thanks, RT - so appreciate the read!

    • profile image


      9 years ago

      Excellent info with great tips and resources.

    • akirchner profile imageAUTHOR

      Audrey Kirchner 

      9 years ago from Washington

      Thanks so much Alayne! That is good to know and I think in these troubled times, it would be hard to BE condescending as I think we are all in the same boat on some level or another!

    • Alayne Fenasci profile image

      Alayne Fenasci 

      9 years ago from Louisiana

      I read an article on a news site recently. It was supposed to help average families cut back on expenses; instead it implied people were living a sub-standard lifestyle if they didn't have/do fancy expensive things.

      This article, on the other hand, offers some helpful information without coming across as condescending. The categorized lists made it easy to read. Thanks for sharing a great hub.

    • akirchner profile imageAUTHOR

      Audrey Kirchner 

      9 years ago from Washington

      Wsupaul88 - That is too funny - and if not, just come back and read again! Thanks for stopping by!!

    • wsupaul88 profile image


      9 years ago from Seattle, WA

      Great tips and advice. I really enjoyed reading this! So many helpful bits of advice I hope I can remember some of them long enough to put them into practice. Thanks!

    • akirchner profile imageAUTHOR

      Audrey Kirchner 

      9 years ago from Washington

      Shadowtime/Gary - Thanks so much for your insightful comment and I completely agree with you. In these times, we definitely should be doing this but keeping to it in ALL financial times is the best plan.

    • profile image


      9 years ago


      Great useful tips...I hope none of these ideas surprise your readers...we should be doing them already.

      The economy is very poor right now I can only hope that people continue to use frugal living ideas when things turn around... Whenever that might be.

      All the best... Keep up the good work,


    • akirchner profile imageAUTHOR

      Audrey Kirchner 

      9 years ago from Washington

      Ben - It all does work if you just whittle away at those pesky things we all do/have that we don't need - thanks so much for the read!

    • Ben Zoltak profile image

      Ben Zoltak 

      9 years ago from Lake Mills, Jefferson County, Wisconsin USA

      Great advice for newbies to budgeting or for stumblers such as myself akirchner ! We are working on getting rid of the cable bill now. I like the cloth napkin idea too!!!


    • akirchner profile imageAUTHOR

      Audrey Kirchner 

      9 years ago from Washington

      Thanks, Crewman as always for your support - I totally agree.

    • Crewman6 profile image


      9 years ago

      Excellent advice for everyday life. You are so right- it's got to be a lifestyle to work!

    • akirchner profile imageAUTHOR

      Audrey Kirchner 

      9 years ago from Washington

      I totally agree with you Dolores - I think simplifying is the only way to go - especially the older I get!

    • Dolores Monet profile image

      Dolores Monet 

      9 years ago from East Coast, United States

      Audrey - great tips! Frugal, simple living is easier in the long run. Who needs all that junk? And simple living is easier on the environment as well!

    • akirchner profile imageAUTHOR

      Audrey Kirchner 

      9 years ago from Washington

      Nell - thanks so much for stopping by. I agree and learning to live a bit more frugally is what it's all about across the board.

    • Nell Rose profile image

      Nell Rose 

      9 years ago from England

      Hi, Audrey, great information, some of it so obvious that we just forget that! we all spend too much, and sometimes we try and justify it, but it is not necessary, and in the long run it just helps us, cheers nell

    • akirchner profile imageAUTHOR

      Audrey Kirchner 

      9 years ago from Washington

      Thanks so much for your continued support as always, Hanna~!

    • Hello, hello, profile image

      Hello, hello, 

      9 years ago from London, UK

      Thank you for all your great tips which have been a great help.

    • akirchner profile imageAUTHOR

      Audrey Kirchner 

      9 years ago from Washington

      GI - You hit it on the nail precisely - being frugal is all about where we are and what our life is going to be down the (immediate) road. I appreciate your wonderfully constructed and well written comment!

      Thanks tonymac - isn't it just so....if I knew then what I know oh man I'd be so much better!!

    • tonymac04 profile image

      Tony McGregor 

      9 years ago from South Africa

      I needed you about 30 years ago, Audrey! Now it's far too late!:-))))

      Thanks for the wonderful ideas and advice. Will likely help many people.

      Thanks for this excellent Hub.

      Love and peace


    • profile image


      9 years ago

      Great article. There are so many factors to take into consideration when it comes to living a frugal lifestyle that is also financially smart. You've done a good job of covering the bases. I particularly like the point that you make about getting the right life insurance for your age and situation. Life insurance can be an important investment at all stages of life. However, there are different plans that are appropriate for different situations. Frugal people will weigh their options carefully to make sure that they have appropriate coverage that benefits, rather than takes away from, their frugal lifestyle!

    • akirchner profile imageAUTHOR

      Audrey Kirchner 

      9 years ago from Washington

      Simey - Thanks so much for stopping in! I totally agree with you.

      Pamela - I think my brain is very relieved to be honest but my arms are too....and Pamela, you did some totally awesome hubs as well so we'll have to raise our cup of tea or coffee or favorite beverage and toast each other! Well done to you, too!!!

    • Pamela99 profile image

      Pamela Oglesby 

      9 years ago from Sunny Florida

      Audrey, you must be delighted that this is the end of the contest. I imagine your fingers need a rest. This was another very good hub and I think we've all learned a lot from you regarding finances. Voted/rated up.

    • SimeyC profile image

      Simon Cook 

      9 years ago from NJ, USA

      Great Hub - it's amazing how simple living frugal really is - we all simply don't take the time to be frugal!

    • akirchner profile imageAUTHOR

      Audrey Kirchner 

      9 years ago from Washington

      Chrisagbe - your kind words humble me - thanks so much for enjoying what I wrote from the cuff! I truly do believe every word of it!

      BJ - I knew somehow I would slip in something that would be a chuckler for you! I love your wit and sense of humor and I imagine I could keep re-writing this over and over to polish it up - but I think I'm going to just put my head BELOW water and let it fly!

    • drbj profile image

      drbj and sherry 

      9 years ago from south Florida

      What wisdom! What strategies! What helpful tips! Especially this one, Audrey, and I quote: "Healthy finances will keep your head above water."

      I didn't know that. Silly me. I always thought that's what a life preserver was for.

      Oh, well, one learns something new every day and despite my corny attempt at humor, this is a very enlightening hub. Thank you. :)

    • Chrisagbe profile image


      9 years ago

      Indeed if we do not take good care of ourselves to live and enjoy some of what we save, then what are we saving for? This is food for thought. Thanks. Your rich experience is indeed blessing mankind through your writings and i am not an exception. Thanks again.

    • akirchner profile imageAUTHOR

      Audrey Kirchner 

      9 years ago from Washington

      Prasetio - Thanks so much for your kind comments - as begins to be a science. I think realizing the value of what we have is the most important thing and then preserving it and working hard to keep ahead of the game. That doesn't mean we have to be "rich" - being wealthy in other areas is just as satisfying but I do think throwing away money is a sin of sorts! Thanks for coming along with me on my financial ride this month...whew - I think my eyes are seeing dollar signs every minute.

      Docmo - Thanks for stopping by and I agree on the frugal living as a lifestyle. It does work.

      MT - Thanks so much for the read and I totally agree with you. I thought and thought about what I wanted to write for my last financial hub for the contest and somehow this just summed it all up for me. While visions of dollar signs danced in my head.....more on finances but another day!

    • Minnetonka Twin profile image

      Linda Rogers 

      9 years ago from Minnesota

      Loved the great information to help with my budget. So smart, especially in these tough times. Some of the points you make are so simple but often overlooked.

    • Docmo profile image

      Mohan Kumar 

      9 years ago from UK

      Sound advice in these dire economic times- I love the title - frugal living as lifestyle. Well done!

    • prasetio30 profile image


      9 years ago from malang-indonesia

      You always brought happiness for us, especially about your talent in writing. You are my teacher in financial planning. I really agree with you, saving money must become a lifestyle. We have to plan this start from now. I believe we never regret about this in the future. Good work , Audrey. Vote up. Love and peace.



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