Frugality Magazine

Frugal Living Tips & Financial Freedom

Frugality doesn’t have to be difficult or painful…


Hi there! My name is Richard Adams. I’m a UK-based personal finance blogger and lover of all things frugal.

Just a few short years ago I was drowning in debt and struggling to make ends meet.

Since then I’ve paid off all my consumer debt, increased my income and have revolutionized my finances – all thanks to frugal living.

If you want to take control of your finances, let me show you exactly how I did it…

“He who will not economize will have to agonize” – Confucius

How to save moneyLet me be honest…

Up until a few years ago the idea of frugality wasn’t just alien to me – it was repulsive.

Why would anyone want to live on a budget, spending less than they earn and putting money aside for a “rainy day”?

After all, you only live once.

And yet, at the same time I had to admit that my finances were in a pretty poor shape. I was in debt, struggling to meet my minimum payments and really not having much fun.

Eventually I had to accept the simple truth; what I was doing wasn’t working. It was time to try something new.

Which is when my experiments with frugality began. At first, it wasn’t comfortable. But as I watched my debt dropping every month I found frugal living ever easier.

Today, while my debt is gone, I still live a very frugal lifestyle, saving money where possible and always aiming for the best possible value.

Frugality Magazine is really my way of sharing this with you.

It’s a collection of the thoughts and experiences, resources and philosophies that I have picked up along the way. I hope they will both provide you both with the motivation and the tools to achieve financial freedom – whatever that looks like to you.

“Frugality is one of the most beautiful and joyful words in the English language” – Elise Boulding

Frugal Living Categories

Ready to dive into over 2 years of money-saving goodness? Simply pick a topic you’d like to start with and we’ll take you straight there…

Saving money

Saving Money


Saving money and living more frugally doesn’t have to be painful or difficult. Find out how to live your life for less.

Tell me more


Manage Your Money Better

Taking control of your finances is essential if you want to gain financial independence.

Tell me more

Becoming debt free

Becoming Debt Free


If you’re drowning in debt then rest assured there are some simple and proven strategies for quickly becoming debt free.

Tell me more

Earning more money

Increase Your Income

There are all sorts of (legitimate) ways to increase your income – here are some of my top tips.

Tell me more

“If saving money is wrong, I don’t want to be right!” – William Shatner

Latest Frugality Articles

This site is updated constantly. On average at least one new post goes live every week – but sometimes more. Here are the very latest articles to help you save money, get out of debt and gain financial freedom. Just click the article you’d like to read…

  • Financial emergencies can lead to poor decisions that you have to pay for many years into the future. Here's how to avoid financial emergencies and budget properly for the future.
  • Personal finance tips for finally getting control of your money. Adopt these habits to pay off debt, live below your means and start building long-term wealth.
  • Emergency funds shouldn't be seen as a luxury, but necessity. If you're wondering whether to fit one into your budget then here are some reasons why you should *definately* try to save for an emergency fund before anything else.
  • Busy saving money? If so while there are all sorts of tips for spending less and living on a budget, they all pale into comparison to this one single money saving tip. Find out what it is by clicking through now!
  • Save money on your winter fuel bills. With the cold season coming your utility bills are going to go up - but you can still spend less than last year. Here's how to save plenty of money on your winter fuel bills.
  • How to save money when moving house. It doesn't need to be as painful as you might imagine - here are some tips for spending less when moving.
  • When it comes to personal finance it can be difficult to decide on your priorities. Here's mine - and how I figured it out after quitting my job.
  • How to get out of debt: 5 realizations that helped me pay off debt.
  • Paying off debt isn't as hard or as unpleasant as you might imagine. I'm now debt free - and here are some useful tips I picked up along the way.
  • Looking for ways frugality pays off? There's a lot more to it than just saving money; read to ti discover the benefits of frugality.
  • Living on a budget doesn't have to be unpleasant; here's how to stick to your budget without going crazy.
  • Want to get out of debt but don't know how to get started? Here are some tips for getting started on your journey to a debt free lifestyle.
  • Save money on groceries with these two essential tips.
  • Questions you must ask before buying anything if you want to live on a budget and save money.
  • Are you making these debt repayment mistakes? If you want to become debt free then read on to discover some proven rules for success.
  • How to set personal finance goals so you can pay off debt, build up your savings and gain financial independence.
  • 5 ways that debt controls your life - and how to regain control of your finances.
  • How to keep yourself motivated when paying off debt. Figure out ho to stay the course, stick to your budget and finally become debt free.