How to live cheap without looking poor? That is the million dollar question. Let’s be real for a minute: we’ve all been there—standing in front of the mirror, sucking in our stomachs, and wondering, “Why do tacos betray me like this?” Belly fat has a way of sneaking up on us, clinging like that overly dramatic ex you can’t shake. But here’s the good news: you can live cheap without starving yourself or swearing off carbs forever. The best part? You can do it in a way that doesn’t feel like a prison sentence or involve eating just salads.
I’ve been there—”live cheap”, thinking I had to sacrifice my style and my social life just to save a few bucks. But over the years, I’ve learned that living on a budget doesn’t mean I have to give up the things I love. You don’t need to miss out on coffee dates, fancy nights out, or even the occasional splurge. Instead, it’s about being smart with your money and knowing where to save while still looking and feeling like a million bucks.
So, how do you live cheap without looking like you’re counting pennies? It’s all about clever hacks, lifestyle changes, and embracing creativity. Ready to save thousands without anyone guessing you’re ballin’ on a budget? Let’s dive in!
1. Cheap Living Hacks That Don’t Scream “I’m Broke”
Living cheap doesn’t mean living “cheaply.” If you’re anything like me, you want to save money, but you also want to maintain your sense of style, your space, and your overall happiness. I used to think that living on a budget meant settling for second-rate everything, but I’ve learned that’s simply not true. Here are some simple and easy hacks to help you live stylishly without draining your wallet.
Thrift Store Treasure Hunts: The Hunt is Worth It!
When I first started shopping secondhand, I thought I’d have to wade through endless racks of out-of-date clothes or beat-up furniture. But then I found my first designer coat in a thrift store for $20. I couldn’t believe it! It was a beautiful leather trench coat that would have cost me hundreds if I bought it new. Ever since that day, I’ve been hooked on thrift stores, consignment shops, and online marketplaces like Poshmark and Facebook Marketplace.
The key is knowing what to look for. Designer labels can often be found for a fraction of the price, and if you’re patient and willing to sift through the racks, you can score amazing pieces. I’ve found everything from vintage denim jackets to high-end handbags, all secondhand and in great condition.
Tip: Don’t be afraid to negotiate when buying secondhand. Many sellers are willing to lower the price if you ask politely!
Check out Poshmark for some incredible deals if you’re looking to add some designer pieces to your wardrobe for less!
DIY Home Decor: Your Pinterest Dream is Within Reach
One of my favorite things about living cheap is getting creative with my home. Pinterest has become my best friend when it comes to DIY home decor. Take my favorite project: an old wooden ladder I found in my grandma’s shed. I transformed it into a stylish bookshelf! It not only added a unique touch to my apartment but also kept my living space organized.
Another go-to hack for organizing my space on a budget is repurposing glass jars for storage. I’ve turned empty mason jars into organizers for everything from makeup brushes to pasta in the pantry. With a little bit of paint and creativity, things that would have been tossed out become functional and stylish.
I recently went a step further and created a gallery wall using old frames I found in thrift stores. By using pictures and artwork I already had, I didn’t spend a dime—but it looks like a million bucks. If you’re not sure where to start, YouTube is full of easy, beginner-friendly tutorials.
Tip: Check out Pinterest for DIY inspiration that can help you transform your space for pennies!
Meal Prep Like a Boss: Save Time and Money
Meal prepping has been a game-changer for me, especially when it comes to saving money. A few years ago, I was spending way too much on takeout, but now I cook everything in bulk and freeze individual portions. This saves me time and money, and I never have to deal with the temptation of ordering unhealthy fast food.
I typically spend Sundays cooking large batches of hearty soups, stews, and casseroles. One of my favorites is a lentil soup that I can make in bulk for under $10. I store the leftovers in mason jars, and I have a quick, healthy meal ready to go for the next couple of days.
In fact, I’ve learned that cooking doesn’t have to be complicated or time-consuming. Using a slow cooker has been a lifesaver, and my go-to recipe is a big batch of chili. I throw in all the ingredients in the morning, and by dinner time, it’s ready to serve.
Tip: Start meal prepping with simple recipes like soups, stews, and casseroles. They’re easy to make in bulk and freeze well for future meals.
2. Tips to Saving Money (Without Giving Up Your Social Life)
I’ll admit it—I used to shy away from socializing because I thought it would always cost me money. Whether it was dinner at a fancy restaurant or a spontaneous night out, I felt like I had to choose between saving money and maintaining a social life. But then I realized—being social doesn’t have to come with a hefty price tag.
Hosting Budget-Friendly Events
One of my favorite ways to hang out with friends without spending a fortune is hosting potlucks or game nights at home. Everyone contributes something, whether it’s food, drinks, or board games. It’s far more enjoyable than going out to a bar or restaurant, and it’s WAY cheaper.
We’ve even hosted themed nights where everyone brings a dish from a different country. I made a Mediterranean feast for just $10, and we enjoyed a night of homemade hummus, falafel, and pita bread while listening to music from Greece. It was an experience, and we didn’t spend a dime on overpriced drinks at a club.
Tip: Try hosting a “game night” or a “potluck dinner party” for friends. It’s fun, memorable, and budget-friendly.
Taking Advantage of Happy Hour Deals
When I do go out, I’ve learned the art of happy hour. If you time it right, you can enjoy food and drinks at a fraction of the price. One of my go-to strategies is to arrive early, grab the specials, and leave before you get talked into ordering another round of cocktails.
If you’re looking to keep the fun alive on a budget, check out your local restaurants or bars for happy hour deals. Many places offer discounts on drinks and appetizers, and they often have early evening or mid-week specials that aren’t advertised.
Tip: Download apps like Happy Hour Finder to find the best deals in your area.
Free Events Are Your Friend
Living cheaply doesn’t mean you have to sit at home all the time. There are plenty of free events happening in most cities—from outdoor concerts to art walks, free yoga classes, and open mic nights. Last summer, I went to a free concert in the park with a group of friends, and it was one of the best nights we had all season.
A lot of museums and cultural institutions offer free entry days. For example, my local museum has a “free Wednesday” program where visitors can check out exhibits without paying a dime. If you’re lucky, your city might also have free movie screenings, food festivals, or public performances. Keep an eye on community boards or social media for announcements.
Tip: Check out your city’s event calendar for free activities like yoga in the park, open-air concerts, and cultural festivals.
3. How Can I Save Money? Start With Small Changes
If you’re wondering, “How can I save money without overhauling my entire life?”, start small. The biggest mistake people make when trying to cut costs is trying to do too much at once. It can feel overwhelming, and you might end up giving up. But when you start with small, manageable changes, you’ll be amazed at how quickly those little adjustments add up.
Cut Back on Streaming Services
I used to pay for multiple streaming services. Netflix, Hulu, Disney+, and Spotify—when I added it all up, I was spending over $50 a month. I realized that I didn’t need them all, so I started cutting back. I chose one or two, depending on what I was watching at the time. This simple change saved me $40 a month, and I didn’t feel like I was missing out on anything. Do a quick audit of your subscriptions and cancel the ones you’re not using. You’ll be shocked at how much money you’re throwing away.
Tip: Consider switching to a family plan or sharing subscriptions with a friend to save even more.
Stop Buying Expensive Coffee
For a while, I was spending about $5 a day on fancy coffee drinks. That’s $150 a month—just for coffee! Once I realized how much money I was throwing away, I invested in a quality coffee maker and started brewing at home. Now, I enjoy my coffee at home and spend less than $10 a month on coffee beans.
If you’re a coffee lover, consider investing in a good coffee machine or even learning how to make your own lattes at home. The initial cost of the machine pays off in no time, and you’ll be able to make your favorite drinks for a fraction of the price.
Tip: Invest in a good coffee machine and start making your favorite drinks at home. You’ll save money while still enjoying your morning ritual.
4. Tips on Saving Money for a House (Without Eating Dust for Dinner)
Dreaming of homeownership but wondering how on earth you’ll afford it? When I first started thinking about buying a house, the goal seemed impossible. I would scroll through home listings and fantasize about having a place of my own, but then I’d glance at my bank account and feel the crushing reality set in. How could I ever save enough for a down payment, let alone afford all the other costs that came with it?
But here’s the secret: you can do it, and you don’t have to live like a hermit to get there. The trick is all in how you manage your money today so that it works for you tomorrow. Here’s what I did—and what you can do, too—to get on track for homeownership without feeling like you’re sacrificing everything for a roof over your head.
Open a “House Fund” Savings Account
The first step I took was simple, but it worked wonders. I opened a separate savings account just for my house fund. This way, I could easily track how much money I was putting away specifically for that dream home. Even if I only managed to set aside $20 or $50 a week, it added up. The key was consistency. A year later, I had saved up more than $2,000 just by making small, regular deposits into this account.
It may seem like a small amount at first, but trust me—every little bit helps. The earlier you start, the faster you can start seeing the growth.
Tip: Set up automatic weekly or bi-weekly transfers to your house fund. This way, you don’t even have to think about it—you just save naturally. Over time, this adds up to a significant sum.
Cut One Big Expense
Another way I started saving for my house was by cutting out one major expense—my gym membership. At first, I thought it would be impossible. I was paying $60 a month for access to the gym, but honestly, I wasn’t using it enough to justify the cost. So, I took the plunge and canceled my membership.
Instead, I started following free YouTube workout videos at home. Not only did I save $720 a year, but I found that I actually enjoyed the flexibility of working out whenever I wanted. Plus, the saved money went straight into my house fund.
It wasn’t just the gym, though. I also started evaluating other regular expenses I could cut. Takeout, for example—I cut my habit of ordering takeout three times a week and started meal prepping. This cut my food budget by $150 a month and meant I had healthier meals as well. I’d say that’s a win-win.
Tip: Look for a big recurring expense that you can cut or replace with something free or more affordable. This strategy frees up tons of cash that can go straight to your savings account.
Use the “24-Hour Rule” to Avoid Impulse Purchases
One of the hardest parts of saving money is fighting the urge to make impulse buys. I’ve been there—whether it’s a trendy item I see on Instagram or a sale that’s “too good to pass up,” it’s easy to be swayed. But one simple trick that’s worked wonders for me is the 24-hour rule. When I feel the urge to buy something that isn’t essential, I tell myself to wait 24 hours before making a decision.
What I’ve found is that often, after 24 hours, the impulse to buy fades, and I’m left thinking, “I didn’t really need that, did I?” Sometimes, I’ll still go ahead and purchase the item if I’ve thought about it and know it adds value to my life, but more often than not, I realize it wasn’t as important as I initially thought.
This method has saved me hundreds of dollars, and it keeps me focused on my long-term goal: buying a house.
Tip: Implement the 24-hour rule for any non-essential purchases. It’s amazing how much you can save by simply giving yourself a little time to think before hitting “Buy.”
5. Cheap Ways to Organize Your House (and Make It Look Chic)
You don’t need The Container Store’s entire catalog to have a tidy, Pinterest-worthy home. When I first moved into my apartment, I felt the pressure to make it look perfect—but I quickly realized that achieving a stylish home on a budget was possible with a little creativity. Here’s how I managed to keep my home organized, chic, and budget-friendly—all while saving money.
Reuse Glass Jars and Tins for Stylish Storage
You know how everyone has a pile of glass jars from food items? Well, instead of tossing them, I started repurposing them as storage. Glass jars make the perfect containers for everything—spices, pasta, flour, or even homemade candles. I’ve also used them for bathroom storage, holding cotton balls, swabs, or hair ties.
And don’t forget tins—I’ve used old tea tins and soup cans as organizers for small items like stationery, pens, or makeup. They’re easy to decorate with some paint or fabric to make them look chic and stylish, while also being completely functional.
One of my favorite DIY projects was repurposing an old ladder into a bookshelf. It was an old wooden ladder that had been sitting in my garage, and after a coat of paint, it became an eye-catching storage piece. Not only was it cheap, but it also gave my living room a unique, rustic vibe.
Tip: Repurpose things you already own—old glass jars, wooden boxes, or unused furniture—into stylish storage solutions.
Maximize Vertical Space to Declutter
One of the best ways to make a small apartment or room feel more organized is by using your vertical space. When I first moved into my apartment, I struggled to find space for all my things. But then I realized that I could maximize my wall space by installing floating shelves and hanging hooks.
I installed a few wall-mounted shelves in my kitchen to hold spices, jars, and mugs, and I used the walls in my living room to display books and artwork. Not only did this free up counter space, but it also made my home feel more spacious and organized. Vertical storage is a game-changer!
And don’t overlook the potential of over-the-door organizers. I use these in my bathroom and bedroom to store cleaning supplies, towels, and even shoes. They’re cheap, effective, and don’t take up any valuable floor space.
Tip: Don’t be afraid to use your walls! Floating shelves, hooks, and over-the-door organizers are cheap and incredibly effective.
Declutter to Create More Space
I’ve found that one of the easiest ways to keep my house organized is by decluttering regularly. When I first moved into my apartment, I had so much stuff, and I quickly realized I was holding onto things I didn’t need or use. A few times a year, I do a big declutter—going through my closets, drawers, and storage areas. If I haven’t used something in the last 6 months, it’s time to let it go.
Decluttering not only makes my space feel cleaner and more organized, but it also helps me stay on top of things. Plus, any items I no longer need can be sold at a garage sale or donated, which brings in extra money or goodwill.
Tip: Regularly declutter your space to keep things organized. Not only does this create more room, but it also helps you avoid buying more things you don’t need.
6. Money-Saving Home Hacks You’ll Actually Use
Let’s talk about running your home on a budget. These money-saving home hacks are practical, easy to implement, and will help you save money on utilities, groceries, and other household expenses.
Switch to LED Bulbs for Long-Term Savings
One of the first things I did when I moved into my apartment was to replace all my old incandescent bulbs with LED bulbs. It may seem like a small change, but it made a huge difference on my electricity bill. LED bulbs use much less energy, and they last much longer than traditional bulbs. In fact, LED lights use about 75% less energy and last 25 times longer.
I noticed a sharp drop in my monthly electricity bill after making the switch. Over the course of a year, it added up to a pretty significant savings. If you haven’t made the switch yet, this is one of the easiest and most effective home upgrades you can make.
Tip: Switch out your old incandescent bulbs for energy-efficient LED bulbs to save money on your electricity bill.
Use Cold Water for Laundry
This is another small change that made a big difference. I used to always wash my clothes with hot water, thinking it was the only way to get them clean. But then I learned that cold water is actually just as effective for most laundry loads and is way more energy-efficient.
Not only do I save money on electricity, but washing in cold water is also gentler on your clothes, meaning they’ll last longer. I also started washing in smaller loads to further reduce my water usage, and I noticed my utility bills going down.
Tip: Wash clothes in cold water to save on both electricity and water bills, and keep your clothes looking fresh for longer.
Seal Windows and Doors to Save on Heating and Cooling
Sealing up cracks and gaps in windows and doors is a quick and easy way to save on heating and cooling costs. When I moved into my apartment, I noticed drafts near the windows during the winter. After adding weatherstripping to all the windows and doors, I saw a noticeable decrease in my heating costs. The air stayed inside, where it was supposed to be, and my space stayed warmer for longer.
In addition to weatherstripping, I also added thicker curtains to my windows, which helped block out the cold in winter and kept the heat out in summer. Small changes like this can save you hundreds of dollars a year.
Tip: Take the time to weatherproof your home with simple fixes like weatherstripping and energy-efficient curtains to lower your heating and cooling costs.
7. How to Live Below Your Means – Tips for Lasting Success
The secret to financial peace? Learning how to live below your means. When I first started saving money, I thought I had to give up all the fun stuff—dining out, travel, the occasional splurge. But then I realized that living below your means isn’t about deprivation—it’s about being smart and intentional with your money.
I’ll admit, at first, it felt uncomfortable. The idea of tracking every dollar seemed like a hassle, but once I got into the groove, it became second nature. Over time, I discovered that living below my means didn’t mean living a miserable, restrictive life. In fact, it was quite the opposite. It gave me more freedom, more flexibility, and more confidence in my financial choices.
Track Your Spending and Adjust
I started by using an app called Mint (a free budgeting tool that tracks all your expenses and accounts in one place). This helped me see where my money was going. When I saw how much I was spending on unnecessary things—like a latte every morning or impulse buys from Amazon—I realized I needed to make changes.
The first thing I did was eliminate the small, recurring costs. For example, I was subscribed to 4 different streaming services at once, but in reality, I only used Netflix. So, I cut out the extra services and saved $40 a month. It felt like such a small change, but at the end of the year, that $480 I saved could be used to build up my savings or make an investment.
Tracking my spending also helped me identify areas where I could scale back. I started cooking more meals at home (instead of grabbing takeout) and using public transportation more often. These small shifts quickly added up to big savings.
Tip: Use a budgeting app like Mint, YNAB, or even a simple spreadsheet to keep track of your expenses. It’s eye-opening to see where you can cut back.
Spend on Value, Not Trends
A huge part of living below my means is spending on value, not trends. I’ve learned to focus on quality over quantity. For example, I used to spend money on fast fashion—cheap, trendy clothes that would only last a season. But over time, I realized these clothes weren’t built to last and were actually costing me more in the long run.
Now, I invest in quality, timeless pieces. I’ve learned to shop for items that fit well, feel comfortable, and can be worn in multiple ways. I started shopping at places like Everlane for basics—pieces that are simple but high-quality, and that I can mix and match in various outfits.
When it comes to furniture and home decor, I do the same thing. Instead of buying cheap, trendy furniture that falls apart after a year, I now focus on finding sturdy, well-made items that will last. It might take a little more effort or time to find these items, but the savings (and peace of mind) are totally worth it.
Tip: Invest in quality items that stand the test of time rather than succumbing to short-term trends. Whether it’s clothes or furniture, buying quality over quantity will save you money in the long run.
Embrace Minimalism
Living below your means also goes hand-in-hand with embracing minimalism. I used to be a person who hoarded things—I’d buy things on sale “just because” or because they were cute, even though I didn’t really need them. But once I adopted a minimalist mindset, I realized that the fewer things I had, the less I had to take care of, and the more money I saved.
I started selling or donating items I no longer needed, and it was liberating. Every time I decluttered, I felt lighter, both mentally and financially. It wasn’t about living with nothing—it was about living with only the things that truly added value to my life. This shift in mindset made me stop spending on random things I didn’t need and focus on what really mattered.
By embracing minimalism, I stopped buying clutter that would pile up in my apartment, and instead focused on enjoying experiences that brought me joy—like going for hikes, cooking new recipes, or taking up painting as a hobby. Not only was I saving money, but I was also investing in things that brought me genuine happiness.
Tip: Try a 30-day decluttering challenge. Go through your space, donate or sell what you don’t need, and enjoy the simplicity of living with less.
8. Living Cheap Ideas That Still Feel Luxurious
Ready to feel rich on a budget? One of the best things I’ve learned over the years is that living cheaply doesn’t mean living without luxury. In fact, you can experience moments of luxury on a budget—it’s all about knowing where to find deals and how to make the most of what you already have.
Create a Self-Care Day at Home
There was a time when I used to think that self-care meant splurging on expensive spa treatments. But once I started living on a budget, I had to get creative. I created a self-care day at home, and let me tell you—it was just as relaxing (if not more) than anything I could get at a spa.
I started with a long, luxurious bubble bath. I’d use my favorite Epsom salts and a few drops of essential oils like lavender to make the experience feel even more relaxing. Afterward, I’d give myself a DIY facial with items I already had in my kitchen—avocado, honey, and oatmeal. My skin felt amazing afterward, and I hadn’t spent a dime.
I’d also create a calming atmosphere with candles, music, and even a cup of my favorite herbal tea. My whole self-care day cost me virtually nothing—just the cost of a couple of ingredients I already had at home. And it felt luxurious because I took the time to care for myself.
Tip: Create a self-care day at home using simple ingredients like honey, oats, or essential oils. It’ll save you money and leave you feeling refreshed and rejuvenated.
Shop Seasonal Produce and Cook Gourmet Meals
Eating healthy and feeling indulgent doesn’t have to be expensive. In fact, one of my favorite hacks is to shop seasonal produce. Not only is it fresher, but it’s also cheaper than buying out-of-season fruits and veggies. I love hitting up my local farmer’s market and buying whatever is in season. Right now, it’s summer squash, tomatoes, and fresh herbs. They’re inexpensive, full of flavor, and perfect for creating gourmet meals at home.
I’ll often spend a few extra minutes on presentation—arranging my food on nice plates, adding a sprinkle of fresh herbs, or drizzling some olive oil on top. This small effort makes even a simple vegetable stir-fry feel like a five-star restaurant meal.
I’ve found that cooking at home doesn’t have to feel “cheap.” With fresh, seasonal ingredients and a bit of creativity, I can make delicious, healthy meals that feel like a treat every time.
Tip: Shop for seasonal produce, and take time to make your meals look beautiful. It’s an easy way to enjoy gourmet meals without the high price tag.
Find Discounted Luxury Items
One of my favorite ways to live like a millionaire without spending like one is to hunt for discounted luxury items. The thrill of finding designer items for a fraction of the price is something I genuinely enjoy. I’ve scored amazing deals on designer bags, watches, and even clothes at high-end outlet malls or discount sites like The RealReal and ThredUp. I’ve gotten a beautiful Michael Kors bag for $60 (originally over $200), and the thrill of getting a great deal made me feel like I was living in luxury on a budget.
You’d be amazed at how much you can find on secondhand luxury sites if you’re willing to do the legwork. And if you love fashion, sites like Poshmark and Depop can be goldmines for discounted designer finds that others no longer want.
Tip: Check out online resale sites like The RealReal, ThredUp, or Poshmark for discounted luxury items. It’s a great way to add high-quality, stylish pieces to your wardrobe without breaking the bank.
Wrapping It Up
“Live cheap doesn’t mean living poorly. It’s all about being intentional, resourceful, and embracing your creativity. Whether you’re cutting costs on subscriptions, meal prepping, or organizing your home, there are plenty of ways to save money without compromising your lifestyle.
Start small, stay consistent, and watch the savings add up. And before you know it, you’ll be living frugally, saving thousands, and still enjoying all the things you love. It’s not about deprivation; it’s about smart choices that make the most out of your money.
So, grab that secondhand treasure, start meal prepping, and begin creating the life you’ve always wanted—all while staying within your budget. You’ve got this!
For more tips and hacks to live your best budget-friendly life, check out our blog here. Now go forth and save like a pro!