Big purchases this year though: Apple Watch, treadmill, and 2 AC units (not shown here because it was in July).
this post was submitted on 10 Jul 2026
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Frugal
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Discuss how to save money.
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Turns out I’m not THAT frugal lol. Some good tips here though. Thankfully I don’t pay for water.
I’m not sure about utility rates changing depending on the time of day where I live. But my showers are only 5 minutes long anyway. And laundry / cooking / dishwashing is almost always done after 7pm anyway. I have 2 roommates so I can’t control what they do though. Unfortunately I do have AC running when I’m at work for my cat. And my roommate insists on heating the house warmer than I’d like. I feel like 65 during the day and 60 at night is fine though.
I don’t shop sales cuz I almost exclusively shop at Aldi (they don’t do sales). But I should still look into stocking up on stuff that freezes well if I ever go anywhere else.
You're still doing really well. You have about a 24% income surplus. I would recommend adding an expense under the "savings" category and make regular contributions as if they were bills if you feel you have enough surplus spending money still. Part of being frugal for me is acting more poor than I am which frees up money for savings or big expenses. I try to prioritize saving cause i do okay in stocks on average and make meaningful profits, certainly enough to outpace current inflation.
I did that for a little bit, but i prefer to see my actual expenses at a glance. My savings is just income minus expenses.
Unfortunately the income includes $3K tax return. So I’m really only saving like $190/month. But at the end of the year I get a profit sharing bonus. 100% of that is saved.