20 Terrific Ways to Save Money on a Limited Income

Updated on June 4, 2018
vocalcoach profile image

Author, Audrey Hunt, shares novel, easy and affordable ways to make gifts using your hobbies and imagination. Save money with these 20 tips.

Saving money, regardless of how small the amount, can add up in a hurry.
Saving money, regardless of how small the amount, can add up in a hurry. | Source

Use These 20 Money Saving Tips

Many of us have limited incomes, however, we can still save money. Using these 20 ways to save money on a limited income works for anyone. College students, baby boomers, unemployed and hard-working teens can begin right now to put these 20 ways into action.

Start with just 2 or 3 money saving tips, adding on a new tip a little at a time. If you're the aggressive type then go for it and incorporate all 20.

  1. Reduce or stop the "Starbucks" urge. Make your coffee at home and use a thermos.
  2. Fix that dripping faucet to save water. According to the U.S. Geological Survey, 60 drips a minute will waste about 6,428 gallons of water per year.
  3. Brown bag your lunch instead of going out to eat at work.
  4. Barter. Save your cash and exchange services or items instead. You might just like the idea of giving a "swapping party".
  5. Use CFL or Led light bulbs. Initially, it may cost a few cents more than regular bulbs, but over a period of time you will save money and you will be saving energy.

Plan well.  Maybe have a block garage sale.
Plan well. Maybe have a block garage sale. | Source

Surprising, Clever Ways to Increase Your Savings

  1. Sell your books on amazon.com or cash4books.net. Make sure you include shipping charges as well as packaging when deciding how much to charge.
  2. Check out your local library. You can find dvds to your liking as well as books. It's all free.
  3. Yard Sales offer all kinds of treasures, clothes and items galore. Always bargain. Never pay full price.
  4. Save water if you have an older toilet by placing a plastic bottle full of water along with a few pebbles into your tank.
  5. To get the "good stuff" when shopping at a thrift store, go to one in a wealthier area. Donations are usually local. Most donations come in over the weekend so it makes smart sense to shop early in the week.
  6. Save on printer ink by using Century Gothic Font. You will be using approximately one third less than industry standard aerial.
  7. Take a shorter shower. You not only save money, you will save your skin from drying out.
  8. Unplug the computer and appliances when not in use.
  9. Use those coupons. Keep them in a special envelope and take them with you whenever you go out. Maybe you are just going out to fill up the tank with gas, but you may decide to make a quick run into the supermarket for that "one" item and find that you have the very coupon you need. Check out this site www.mygrocerydeals for comparing prices in supermarkets. This a free site, but you must register to use it.
  10. Join Freecycle in your area. It may be listed as "myfreecycle.com". A wonderful resource for finding all kinds of things you need, such as tv's, bedding, clothing, books, bikes etc. You may also donate items. A free and useful website that I have used for years.
  11. Enjoy your favorite concert, play or musical by becoming a volunteer as an usher.
  12. Boil water in the microwave instead of using an electric stove. You can save up to 60% on energy and that adds up.
  13. To save on gift-giving, make your gift one of service. For a couple with a baby offer to give them a night out by baby sitting. Offer to wash a car or organize a closet. Perhaps a back or foot massage would be welcomed. During holidays, you might offer to wrap gifts.
  14. Buy generic brands of items that you use regularly. The ingredients are the same as regular brands and you will save money on the generic.
  15. Grow your own fruits and vegetables. Plant your garden early enough so that you have plenty of fruits and vegetables to can for the winter.

You'll be surprised how these money saving tips will add up. Begin now and make it a habit. Start using these 20 terrific ways to save money even if your income is not limited.

"A bank is a place that will lend you money if you can prove that you don't need it." - Bob Hope

The "3 Day Rule" For Compulsive Spending

It goes like this. I see something I just must have while out shopping. In fact, I have an entire wardrobe not being worn of cute things I just had to have. To stop this wasteful habit of throwing money away on items I never use, I began living this "3-day rule."

  • When I see something I can't possibly live without I wait three days.
  • On the third day I visit the item I wanted so badly and if I still feel the same and want it desperately I go ahead and make the purchase.

About 75% of the time I end up deciding the item isn't really worth the money or I didn't want it that bad.

Then, the money that would have been spent, goes into my savings instead.

In the words of the great Will Rogers, "Too many people spend money they earned..to buy things they don’t want..to impress people that they don’t like."

Conclusion - Learn To Save Money Early In Life

It took a recession to teach me these 20 ways to save money when living on a low income. Not too long ago I would have scoffed at the idea of saving coupons, shopping for sales or ever purchasing used clothing. The idea of yours truly shopping at discount stores, seeking out yard sales to find what I need for the house, or looking for ways to save money, just didn't fit in my world.

Then life "bit me in the butt" as the economy took a turn for the worst. My bank account was dwindling, and I found myself floundering for ways to save money living on a lower income.

I used all of the 20 ways to save money listed above. I have to say that today I am actually better off for this experience and a wiser and happier person. I live simply now and find that I am happier and more relaxed than I used to be.

It shouldn't take a recession to teach us simple ways to save money. Learning to be frugal is a habit that even young children can benefit from. We are responsible for our own financial security. The earlier we learn this, the better off we will be.

How often do you use coupons to save?

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Questions & Answers

    © 2010 Audrey Hunt


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      • vocalcoach profile image

        Audrey Hunt 3 years ago from Idyllwild Ca.


        Thanks. Appreciate your comments.

        Paula Atwell

        You have my permission to keep your Starbucks run :)

      • Paula Atwell profile image

        Paula Atwell 3 years ago from Cleveland, OH

        You have a great list of tips here. I can't give up my Starbucks run though because it is really one of my only indulgences and I think I deserve it. We do a lot of what you have on this page though. :)

      • ThatMommyBlogger profile image

        Missy 3 years ago from The Midwest

        Interesting tip about the printer ink. I've never heard that one before.

      • vocalcoach profile image

        Audrey Hunt 3 years ago from Idyllwild Ca.


        So happy to hear you found a few ideas for saving some money. Two things I really like are a good bargain and tips for saving a few dollars. Thanks Dianna.

        Hello AudreyHowitt

        Hope all is well with you. Freecycle is the best thing to come along since baked bread. Thanks.

      • AudreyHowitt profile image

        Audrey Howitt 3 years ago from California

        Such great advice Audrey! I love Freecycle!

      • teaches12345 profile image

        Dianna Mendez 3 years ago

        We are all about saving money in our home and I see some new ideas here to add to our way of living. This is an excellent post for all readers.

      • vocalcoach profile image

        Audrey Hunt 5 years ago from Idyllwild Ca.

        Jools - My gosh, just look at you! Repairing your own oven. I am beyond impressed. I would love to be able to repair my oven if it needed fixing. You have been on a mission my friend! With all the research you're doing on saving money, you must write a hub about it. We all need help with that and it's so exciting to find different ways to economize. Thanks Jools!

      • vocalcoach profile image

        Audrey Hunt 5 years ago from Idyllwild Ca.

        SueSwan - Love your tips about adding a sweater in the winter to cut the AC and being careful about using too much in the summer. My ceiling fans help with that. Taking your lunch to work is healthy as well as saving money. Great advice!

        Audrey (my songbird) - Wish I would have practiced all the fun ways to save money a long long time ago. I could have afforded to publish my book by now:)

      • carozy profile image

        carozy 5 years ago from San Francisco

        I always have an eye out for great money saving tips. You have some good ones in here!

      • mary615 profile image

        Mary Hyatt 5 years ago from Florida

        I gave up cable TV (wrote a Hub about that). I got tired of paying to watch stupid commercials, now I just use my Roki box. I also gave up the daily newspaper which I never had time to read. I already do most of the things you mention here: coupons, free cycle, etc.

        Great Hub. I voted it UP, etc. and will share.

      • Jordanwalker39 profile image

        Jordanwalker39 5 years ago from NC

        Very interesting hub. Very useful. Thank you.

      • Stephanie Henkel profile image

        Stephanie Henkel 5 years ago from USA

        Great tips for saving money! We've also become more diligent about tuning off lights and unplugging electronics when we go away- it makes a difference! Love FreeCycle, too!

      • Jools99 profile image

        Jools99 5 years ago from North-East UK

        Hi Audrey, back for another read. I am scouring the internet for money saving tips today. I am discovering charity shops now for clothes, some real bargains to be had! I also saved my hubby and I quite a lot of money last week - our oven broke but I looked it up on the internet and followed suggestions to fix it myself. I had to send for a spare part but it only cost about $50; getting an electrician out to fix it would have cost double . I am learning to save money now because I am more 'switched on' with my spending.

      • vocalcoach profile image

        Audrey Hunt 5 years ago from Idyllwild Ca.

        josh3418 - Thanks for being here and leaving your comment. I love the up vote and great ratings. I needed that:)

        Yvette - Wow, you have said it all. And kneeling in prayer each day gives clarity to our position as well as humility. Thank you so much!

        Jools - I have come to find my new way of life rather exciting. I now love a good bargain like the new crisp white shirt I found at Goodwill. The tags are still on it. Originally it sold for 125 bucks. Yours truly picked it up for $5. Not bad, huh?

      • Free2writ3 profile image

        Free2writ3 5 years ago from Sharon Hill, Pennsylvania

        Thanks for this hub...I really appreciate these useful ideas.

      • carol7777 profile image

        carol stanley 5 years ago from Arizona

        All excellent ideas..we just have to do them..thanks for sharing.

      • AudreyHowitt profile image

        Audrey Howitt 5 years ago from California

        Useful and interesting hub Audrey! Lots of great ideas!

      • profile image

        Sueswan 5 years ago

        Hi Audrey,

        Great tips on saving money. The little things make a difference.

        I bring my lunch to work but I do eat out too.

        Another way to save money is not to have the air conditioning going full blast all the time in the summer. Also turn the heat down in the winter and put on a sweater.

        Voted up and awesome

        Have a good day. :)

      • Jools99 profile image

        Jools99 5 years ago from North-East UK

        Audrey, I left my job on 20th July so I will soon be living a more frugal life - there is some great advice here. I would be happy to wear second hand clothes, change my font (great idea!), use generic bands etc. Any way to save money will do me fine.

      • vocalcoach profile image

        Audrey Hunt 5 years ago from Idyllwild Ca.

        Thank you rusticliving for sharing your story on switching to LED's. That really does pay off doesn't it? Clipping coupons also makes a big difference in saving, especially at the supermarket. Good girl! Thanks so much.

        tammyswallow - I was surprised myself to find that using gothic font was a good way to save. Who'd a thought? Thanks for being here tammy. Always a pleasure to have your company:)

      • YvetteParker profile image

        YvetteParker 6 years ago from AUGUSTA, GA

        Great tips! I have definitely learned how to never say never. You are right, these times are humbling while drawing us into a closer relationship with our Heavenly Father as the Provider of all our needs!

      • josh3418 profile image

        Joshua Zerbini 6 years ago from Pennsylvania

        Vocal these are some awesome tips, thank you very much for sharing! Voted up, useful, and awesome, and shared!

      • Capedium profile image

        Ov Overo 6 years ago from Oklahoma

        Please don't laugh when I say I read this hub and it feels like spanish in my head.. Funny enough I don't speak spanish.. It is quite interesting.. Maybe after I read it once or twice again.. I could understand properly.. But I must confess.. Interesting and very insightful ideas

      • Ruby H Rose profile image

        Maree Michael Martin 6 years ago from Northwest Washington on an Island

        Awesome and interesting! These are some great ideas. What a wonderful hub! My favorite idea is having a swapping party. Barter here there and everywhere, nice!

      • tammyswallow profile image

        Tammy 6 years ago from North Carolina

        These are fabulous and creative ideas. I didn't know about the gothic font. This is so helpful! Voting up.

      • Rusticliving profile image

        Elizabeth Rayen 6 years ago from California

        VC- Those are some great ideas. We have changed out all our lights to LED. They may cost a little more, but the savings in light bills are amazing. There was a special story this past Christmas on People who decorated their homes for the Holidays and used 10,000 or more lights. There was this couple who switched to all LED lights and claimed that their elevtric bill went from being $595 a month down to $89 and they could connect all their LEDs on one circuit. Not too shabby.

        I also clip coupons. They actually do work if done properly! Great Hub. Voted up!

      • vocalcoach profile image

        Audrey Hunt 6 years ago from Idyllwild Ca.

        Victoria - You are my kind of person! And I will read all of your hubs on saving money. You have added some good suggestions and paying your house off 23 yrs early is amazing! And, so are you!

      • Victoria Lynn profile image

        Victoria Lynn 6 years ago from Arkansas, USA

        Voted up, useful, awesome, interesting. I didn't know about using the Gothic font to save money! Cool! I do most of the other things, though. I don't eat out, I don't shop except for necessities, I do the lighting and toilet water saving tricks, etc.... I buy nice clothes at yard sales--for work, even. I get coupons for my pet food and litter. Etc, etc... I hope to have my mortgage paid off about 23 years early! haha Check out some of my money-saving hubs, if you've a mind to. Great hub here.

      • MyFavoriteBedding profile image

        MyFavoriteBedding 6 years ago from United States

        It is amazing how fast all of the little things ad up. I remember watching Oprah one day, and there was a lady on there that was an avid saver, and one of the things she did was she kept everything in her house unplugged unless she was using it, even the tvs! I wish I could remember how much she saved, but I know it was an unbelievable amount. Great, informative hub, thank you!

      • vocalcoach profile image

        Audrey Hunt 7 years ago from Idyllwild Ca.

        Matt - What great tips you have so generously shared with me. Makes all the sense in the world. (sense-no pun intended :-)I can not thank you enough for giving me this information. Now, I am eager to read your hubs and learn more from you. You are an amazing person. I thank you and appreciate you very much.

      • profile image

        Matt 7 years ago

        hi there, what an experience you have up there. if you want to make money in hubpages or other online platform you have to write about a product or service.

        choose a good niche, let say you write about 'vacu vin pineapple slicer'. this slicer is a product, good quality, and importantly most sought after plus few people write about it.

        so people who look for this pineapple slicer would eventually land in your site/hub via google and given it is a good product these people would buy (and you make money).

        if you write about tips (you give free tips!) people would read. but would people buy anything? (And then would you make any much needed money?)

      • vocalcoach profile image

        Audrey Hunt 7 years ago from Idyllwild Ca.

        Purplepassion1 - Wish we could go thrifting together. And yes, finding an item with new tags still on makes me feel like I have struck gold. I tried to find you on HP - you aren't here. Darn! :-)

      • Purplepassion1 profile image

        Joanne Lombardo 7 years ago from Prescott AZ

        Gothic font, who knew; I am a convert. I love thrift stores; especially when the new tags are still on the clothes.

      • vocalcoach profile image

        Audrey Hunt 7 years ago from Idyllwild Ca.

        Benjimester - Good point on the barter system in action.

        Let's do away with the almighty buck! Thanks again for all of your wonderful comments. I sure like you! :-)

      • Benjimester profile image

        Benji Mester 7 years ago from San Diego, California

        I feel you on your first tip. I'm a Starbucks junkie sometimes. And I like that you advocate the barter system. I'd really love to see an in depth barter system in action.

      • vocalcoach profile image

        Audrey Hunt 7 years ago from Idyllwild Ca.

        ddiamond - Thanks for your comment. I look forward to checking into your hubs. You and I are both inviting ways to be frugal. Good for us!

      • profile image

        ddiamond 7 years ago

        Great tips! I'm always looking for ideas on how to live frugally.

      • vocalcoach profile image

        Audrey Hunt 7 years ago from Idyllwild Ca.

        Ok LadyWriter - I will give you this one. :-) Why is it that the tea seems to taste better when the water is boiled on the stove? Thanks for commenting. Excuse me, I need to boil some water for my tea.

      • LadyWriter profile image

        LadyWriter 7 years ago from UK

        Useful tips, I try to do most of them but won't be boiling water in the microvave anytime soon, I don't think you can be a tea drinker, my Mum does it and it results in the most rank cuppa imaginable - yuk!

      • vocalcoach profile image

        Audrey Hunt 7 years ago from Idyllwild Ca.

        Dear PegCole17 - Love your skip the soda suggestion. $1.75 adds up after a few trips to a fast food place. Thanks for your contribution and your comments. Looking forward to reading your hubs.

      • PegCole17 profile image

        Peg Cole 7 years ago from Dallas, Texas

        I like the fact that you discovered the joy of reusing and recycling along with the cost savings.

        Reducing the $ splurge for Starbucks coffee will help a lot. So will brown bagging it. Great suggestions.

        One way to start a savings account: when you eat at a fast food place, skip the soda and put that $1.75 into a jar at home every time you do. The money you gather will surprise you. You can have a soda at home for about 25 cents.

      • vocalcoach profile image

        Audrey Hunt 7 years ago from Idyllwild Ca.

        Bob - Thank you for mentioning the volunteer information. That is great information for readers. Congratulations for finishing your 10th year as an usher for the Indian Wells Tennis Garden. You must be very good on the tennis court. Long ago, I knew a boy when I was in High School who excelled in tennis. I have loved the game ever since. Thank you for your encouraging comments. Appreciate your taking time out to visit.

      • profile image

        Bob McSpadden 7 years ago

        Great article. I give it two thumbs up. Iespecially like the one about using the library for entertainment.Myother favorite is volunteer ushering. I just finished my 10th year as volunteer usher for th Indian Wells Tennis Garden and am looking forward to 10 more. Keep up the good writing.

      • vocalcoach profile image

        Audrey Hunt 7 years ago from Idyllwild Ca.

        crazybeamrider - I thank you for leaving your comment. I know that saving coupons is a big pain. It took me a long time to "get into it". I have saved a great deal when shopping by using coupons and have found relunctly that it does pay off. I am looking forward to reading and rating more of your great hubs.

      • crazybeanrider profile image

        Boo McCourt 7 years ago from Washington MI

        I really like all of these tip saving ideas. The font one is really one I want to try. I print a lot of stuff, so that will be great if it saves me ink. I half heartedly save coupons, but reading your hub i think I will try harder. Definitely rated up!

      • vocalcoach profile image

        Audrey Hunt 7 years ago from Idyllwild Ca.

        lisabeaman - I will have to check out "coupon sense". Thanks for the tip - sounds like something I can use.

        Thank you for taking time to comment.

      • lisabeaman profile image

        lisabeaman 7 years ago from Phoenix, AZ

        Thanks for all of the great tips! You have a lot of good ideas. I also use something called Coupon Sense. It's a website that helps you organize your coupons so that you use them when the stores have sales. The site costs money, but I make it up in savings. The service isn't offered everywhere though.

      • vocalcoach profile image

        Audrey Hunt 7 years ago from Idyllwild Ca.

        You have been a hero of mine since becoming a member of hubpages recently. I appreciate your comments. You always say the right thing. I appreciate you so much. Thanks!

      • katiem2 profile image

        katiem2 7 years ago from I'm outta here

        I appreciate your helpful insights and tips to save money. I always do all that work on the coupons and then forget to use them... UGH it's like I have a deep rooted resentment to using coupons... lol, Thanks for the tips I feel empowered to do better!

      • Springboard profile image

        Springboard 7 years ago from Wisconsin

        Frugalist. Hmm. Kind of does have a nice ring to it, no?

      • vocalcoach profile image

        Audrey Hunt 7 years ago from Idyllwild Ca.

        Thanks springboard - enjoyed your comments and happy to welcome another fellow frugalist ( is that a word?) :-)

        It came as a surprise to me too that changing the font could help me save a few cents as well. It all adds up!

      • Springboard profile image

        Springboard 7 years ago from Wisconsin

        Not in a million years would I ever have thought that the font I used could save me money. Being ever the frugal one myself, this is welcome news—any way I can get nickels out of pennies, that's my aim.

      • vocalcoach profile image

        Audrey Hunt 7 years ago from Idyllwild Ca.

        randy - so glad you liked the tip about using gothic font. Appreciate your comment. Thanks so much.

      • profile image

        randy 7 years ago

        Great Ideas. I love the century gothic font idea, my computer goes through a lot of ink. I can't wait to try that one!

      • vocalcoach profile image

        Audrey Hunt 7 years ago from Idyllwild Ca.

        Stephanie - Good for you! I love that you make sure the lights are not on in the rooms you are not using. Great way to conserve energy and lower your electric bill too.

        Thanks for your comments.

      • stephanie o profile image

        stephanie o 7 years ago from Pacifica, CA


        You've written a great hub!! You really outlined some great tips... especially about the light bulbs and the faucet. I always make sure the lights are out when I'm not home or in a room, and my faucet doesn't leak, but I never knew how much money those two things waste!!!

      • vocalcoach profile image

        Audrey Hunt 7 years ago from Idyllwild Ca.

        Yes, with the economy in such a stressful state, (and it appears it is not going to get better anytime soon), saving a little here and there will help us all get through this together. Thanks for commenting. Appreciate it masmasika!

      • profile image

        masmasika 7 years ago

        I love these tips. We really need tips on saving because of the economic crisis. Great hub.

      • vocalcoach profile image

        Audrey Hunt 7 years ago from Idyllwild Ca.

        suny51 - I am happy that you liked these tips. I have found that the extra money I save really adds up. Thank you for your comment.

      • suny51 profile image

        suny51 7 years ago

        Hi vocalcoach,

        you have very important and useful tips those are worth following.Thank you so much

      • vocalcoach profile image

        Audrey Hunt 7 years ago from Idyllwild Ca.

        Thank you yellowstar2000. I recently was in shock when my water bill doubled and then some. Found out that a leaking toilet was the culprit. Very eye-opening.

      • yellowstar2000 profile image

        Candice Collins 7 years ago from WestCoast Florida

        super ideas here! thanks for all the great tips and suggestions; I never knew that 60 drips a minute will waste about 6,428 gallons of water per year! wow!!!

      • vocalcoach profile image

        Audrey Hunt 7 years ago from Idyllwild Ca.

        prasetio - I appreciate your comments on my hub and thank you. I enjoy your hubs as well, especially the one on Rainbows. The photos were so beautiful.

      • vocalcoach profile image

        Audrey Hunt 7 years ago from Idyllwild Ca.

        Hello, Hello - Glad you enjoyed reading through these tips. Thanks for stopping by.

      • vocalcoach profile image

        Audrey Hunt 7 years ago from Idyllwild Ca.

        Billy - Thanks for the reminder to check the ingredients on generic drugs. Appreciate it!

      • prasetio30 profile image

        prasetio30 7 years ago from malang-indonesia

        I can't say anything. These all good tips. I am glad to follow your tips to save money. I have practiced some of them. But the rest was incredible. Good job, my friend. I vote this up.


      • Hello, hello, profile image

        Hello, hello, 7 years ago from London, UK

        Thank you for these wonderful, helpful advices.

      • billyaustindillon profile image

        billyaustindillon 7 years ago

        Some great tips here - generic is one of the huge ones - particularly for drugs - headache pills like walgreens versus advil say and definitely for food - just make sure you check those ingredients.


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