I’m going to start this post with a confession: I’m not actually very frugal.
Not really, not at heart.
For instance, we just bought a new (to us) vehicle, on credit, and it’s a gas-guzzling mini-van.
Percentage of trips with more than one human inside: approximately 1%.
It seemed to make sense at the time, and yes, it does make shopping at Costco easier, but the number of times we’ve actually needed a mini-van to do what we were doing is a bare fraction. Live & learn, I guess, plus we’ve been driving a lot less!
Essentially, I’ve learned that I’m frugal when I have to be, cheap about things that make me anxious, and a 100% middle-class suburban mom when it comes to a few things. Like the mini-van.
I’m in no way “all-frugal-all-the-time” — I’m not even going to tell you about all the ice cream we eat or just how many Amazon boxes landed on our porch in December — but there ARE a handful of habits I’ve held on to since the earliest days of this blog when we were living on a single income and I was a stay-at-home mom. These are my stand-bys, saving us a few dollars here and there, making it possible for us to have adventures — whenever we can go back out into the world again.
#1. Making my own yogurt
As I type this, I’ve got a pot with 3 litres of milk on the stove, slowly heating up to 180 degrees. Once it gets there, I’ll turn it off and let it cool to 120 with the lid on, stir in a quarter cup of last week’s yogurt from the fridge, pour it into glass jars which I’ll put in my instant pot, fill with hot tap water, and let sit for 6 hours. It’s that easy! It saves a ton of money and a load of plastic containers, and it guarantees that my kids have a healthy, probiotic snack all week. We use it in smoothies, with granola, stirred into oatmeal, and in mini mason jars every day in their school lunches, flavoured with some local maple syrup. As I’ve observed before, having frugal healthy snacks and ingredients available means the kids will choose those options more often.
I’ll teach you how if you ever want to learn!
#2. YNAB
I can honestly say, the budget app YNAB saves me thousands of dollars every year.
I don’t get anything out of promoting it here–no kick-backs, fees, pats on the back, nothing. I just truly believe this budgeting software is awesome! I’ve never tried any other one, so I can’t compare. It’s possible that using ANY budgeting app might be just as good, but since I’ve only tried this one, I will recommend it 🙂
I’ve been subscribing for a few years and in that time, I’ve gone through periods of using it and periods of letting it slide. The times of letting it slide, that’s when I’ve gotten into trouble financially, even when our income went up.
The trick I’ve found is spending just a few minutes with my budget every day. This January 1, I started tending my budget first thing every morning, and it has been hugely rewarding. It just gives me much more control over where we are spending our money, by encouraging me to set aside the amounts for all the upcoming bills I know we’re going to have. So every paycheque, I slot a certain amount into the mortgage line, a certain amount for groceries, electricity, water bill, internet, cell phones, etc., etc.
This way, I know when I have extra money. I know that if I overspend in one category or have an unexpected expense, that it has to come out of another category. It allows me to react sensibly to the curve-balls, and really enjoy when we have any extra.
I can also use it to track things like back-to-school expenses, or how much that little weekend visit to Ottawa costs, so I can budget for those things in advance instead of being surprised by them.
The other benefit it has is providing a neutral place for my partner and I to talk about money. I can show him where we’re at, and we can figure out together where we want to be, then work out goals together, and track our progress. It’s taken a lot of the emotion and guess-work out of our money talks, and helped us get into alignment with one another.
#3. Drinking tap water
This one is very un-exciting, but it is healthy, frugal and environmentally sustainable. A great triple-hitter.
We are lucky to have a great-tasting, safe water supply, so it is an easy choice to make for us. My daughter and I are constantly refilling our water bottles, while my partner and son prefer Bubly . . . Not the most frugal choice, but it could be worse!
#4. Hanging most of our clothes up to dry
While I do use the dryer for our linens, I still hang up our clothes to dry. It takes a few minutes in the evening to hang it up on our folding drying racks, but usually my partner and I do it together, so it’s a pleasant little part of our evening routine. I’ve read that it reduces wear and tear on our clothes, and it uses much less energy than the dryer, even though we use the ceiling fan to help things along.
It’s even nicer once the sun gets warm enough because then our clothes come in smelling wonderful and outsidey: better than any perfumed laundry additive! While I would love a laundry line, our yard doesn’t offer a great solution for that, so I just bring our drying racks outside and place them in the sunniest spot on the lawn. It gets me outside for a few minutes of peaceful, quiet alone time. It’s really serene — now I really can’t wait for spring!
#5. Staying put in our “starter home”
We’ve contemplated moving so many times since landing here. Wanting something closer to my sister, or closer to the lake, or in a fancier neighbourhood or a cooler house. But something has kept us here every time.
Our house is nowhere near perfect, but the truth is, there’s nowhere that’s perfect! There will always be pros and cons, but the sticking point for us is that this house is pretty cheap. We’re getting to the half-way point of paying down our mortgage by now, and it is really hard to contemplate making that number bigger instead of smaller. Plus, from here we can both walk to work, which saves us thousands per year on parking, gas, wear and tear, and only needing one vehicle.
Moreover, our expenses here are pretty predictable. We know what our bills will be month to month. And, we can see most of the problems coming down the road, so we can make a plan to deal with them.
I have another, very selfish reason: in this house I have my own little room where I do school work, yoga and writing. A precious space all my own where I can close the door and be myself. It’s hard to find four-bedroom houses in our price range, and I am very reluctant to give up this luxury!
I’m not saying we’ll never move, but for now we’re deciding that this mess is our mess, and in this mess we’ll stay.
#6. Cooking meals at home
A lot of this blog has been dedicated to cooking, recipes and shopping smart. Even in this busy season, we cook most of our own meals, though when we’ve had more money we’ve eaten out a bit more and tried to support small, local restaurants that we value for bringing delicious variety to our city’s culinary landscape.
We have a few simple staples that we rotate, like spaghetti sauce and chili, that we get a few meals out of, plus other favourites that we repeat often. My partner and I do a very loose meal plan on Sunday before grocery shopping so we have an idea of what we will eat that week, plus we keep certain staples on hand so we can throw together a healthy-ish “emergency” meal at a moment’s notice if need be.
#7. Eating more veggie meals
We’ve been eating less and less meat, and choosing mostly local, grass-fed when we do eat meat. Not that we never have a burger or a sausage, but for us, adding more veggie meals to our repertoire works a lot better than cutting out meat entirely.
For instance, we’ve learned that the kids like Red Thai Veggie Curry (with butter instead of coconut oil), and they like Butternut Squash Soup and even Beet Soup. A couple of their favourites — mac & cheese, and perogies — are simple and meat-free, and we’ll occasionally make a vegetarian burrito bar with scrambled egg, refried beans, tomatoes, cilantro, salsa and cheese. We’ve recently fallen in love with breaded baked cauliflower bites which are made even better dipped in the best thing in the world: Sriracha mayo!
One thing I’ve done to make it easier for us to choose veggie more often is to make a list of all the vegetarian dishes we all like, and put it into a shared note with my partner. Every Sunday before grocery shopping, we take a look at the list and choose a few of those options that sound good and we haven’t had for awhile. This helps us remember all the vegetarian things we love, and it’s really working to keep our meat consumption low, without missing it at all.
#8. Walking
It’s my frugal workout. It’s my transportation to work and back. It’s my personal and couples therapy. It’s my favourite date and best hang-out activity. Yes, sometimes I’ll even drive to my hike, but I do a lot of walking around my neighbourhood too.
Last fall, the kids, their cousins, my sister and I hiked the 10K at the Conservation Area. I can’t even tell you how much fun it was! We saw all these gorgeous, hidden vistas, and the feeling of triumph when we got to the 10 of 10 kilometres was absolutely incredible. We made some amazing memories that day, and the kids learned that they can do hard things.
Maybe some day I’ll take my walking into the back country with a tent, sleeping pad and ziplock baggies of dehydrated food on my back, but for now I am content to stick to exploring our local vistas with a day pack, water bottle and some home-made cookies.
There you have it! 8 frugal habits that are still saving us money, keeping us healthy, and reducing our environmental footprint just a little. Helps me feel less guilty for the mini-van!
None of these things are going to make us millionaires — and that’s not really my goal here — but like a rudder in a boat, they help to keep us stable and on course.
These are the ones that are here to stay.
I would love to hear what frugal habits have stayed with you through the years. Let me know in the comments!
Frugal + Urban 