6 Practical Tips for Living Below Your Means, According To Frugal Living YouTuber Kate Kaden

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Making a few simple changes to your daily routine can make a bigger difference than you'd think. Adjusting your lifestyle in small ways can add up quickly.

Packed with simple tips to assist you in reducing your expenses.

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You can begin this week.

Drink Mostly Water

If your refrigerator is filled with things like soda, juice, and energy drinks, it's time to take a closer look at your shopping list. Unless she's hosting a gathering, Kaden only keeps water, milk, and coffee in her home.

She pointed out the many health benefits of primarily drinking water, as well as the financial advantages. Even if you buy bottled water, she said buying it in bulk can still be a cost-effective option. Additionally, since she lives in Maine, she gets paid for recycling bottles, which she does to earn extra money.

In the end, she said reducing the number of beverages consumed will add up both in terms of calories and cost, making this strategy a winner on multiple fronts.

Save Water Where It Makes Sense

Wasting water not only hurts the environment, but it's also costly. Kaden takes several steps to keep her water bill under control. For instance, she turns off the water while brushing her teeth and gets in the shower as soon as the water reaches her preferred temperature.

She mentioned that she's heard of people taking timed showers to save water, although this isn't a thrifty practice she plans to try out for herself.

Conserve Light and Power

Electric bills can sometimes take up a significant portion of a person's paycheck, but Kaden's is always under $100 each month. However, she did have one exception during a summer month when there was a heatwave, and she used her air conditioning more than usual.

She claims she doesn't take any special actions to keep her electricity bill low. Instead, she just follows basic common sense by turning off the lights whenever she leaves the room and unplugging things like phone chargers when they're not being used. She points to "vampire power" as the reason for her actions, explaining that devices that are still plugged into wall outlets can continue to run up her electricity bill even when they're turned off.

Carry Food and Water

She mentioned you might be inclined to go through a drive-through place or stop by a convenient store if you get hungry during your outing, and this can quickly become expensive.

It's much more cost-effective to bring snacks from home rather than buying the pre-packaged options, which will result in saving money on the convenience charge for packaged snacks.

Only purchase with credit what you have the means to pay back, considering your present financial situation and budget. This principle will prevent the unnecessary accumulation of debt and financial strain on your life.

On the surface, it might seem straightforward, but a lot of people buy now and fret about their credit card bills later. In her own approach, Kaden stated she personally never puts anything on a credit card that she can actually afford.

She pays off her credit card balance in full each month. She advises against not following this practice, as it can be stressful.

Get Nosy

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For instance, if you notice someone doing a great job at saving, ask them how they're accomplishing it. "Education never gets old," she said.

She pointed out that learning from others can be an enjoyable experience, and you may come across techniques you wouldn't have thought to use on your own.

• 3. **You're Investing in Yourself and Your Future (with Confidence)".** With a solid financial foundation in place, you can confidently invest in your personal growth, business ventures, or your family's well-being, knowing you're not sacrificing your financial stability in the process."
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• 1. "Price is what you pay. Value is what you get."

1. Prioritize experiences over possessions: In Kate Kaden's opinion, focusing on making memories rather than accumulating stuff is a key aspect of living below your means. "You don't regret the things you bought; you regret the things you didn't do."