When it comes to clothing, keep it simple and functional. A few high-quality basics—like jeans and polos for casual wear, and a suit for formal occasions—can cover most situations.
Buy new clothes only when necessary, such as replacing worn-out items. It’s a great example to pass on to kids: take care of what you own, and it will last longer.

Make meal planning efficient by using what’s already in your pantry or fridge.
Avoid wasting food by saving leftovers when eating out—you’ll stretch your dollars further and get an extra meal with no added cost.

Being frugal doesn’t mean always picking the cheapest option. Saving a few bucks upfront isn’t worth it if the product won’t last.
For big-ticket items like mattresses or appliances, do your research and invest in quality. Buying durable goods saves money in the long run by avoiding frequent replacements.

Hiring a lawn care professional can free up valuable time that’s better spent with family.
Use those hours to teach your kids new skills, play music together, or enjoy a fun day out. Time well spent is worth more than saving a few dollars on yard work.

Wealthy people often pass on extended warranties. They have the means to cover repairs or replacements themselves and know these plans rarely pay off.

To avoid extra charges, millionaires typically pay their bills on time. It’s a simple habit that keeps costs down and credit scores up.

Impulse buying isn’t part of their routine. Millionaires tend to stick to a plan and avoid spending on things they didn’t intend to purchase.

Knowing the odds are stacked against them, most millionaires steer clear of lottery tickets and similar games of chance.

High-interest debt is something they actively avoid. They prefer paying with cash or using credit only when it offers strategic benefits.

Get-rich-quick schemes rarely attract them. Millionaires know that real wealth is built steadily through smart decisions—not shortcuts.

They often skip extra insurance if it overlaps with what they already have—like declining rental car coverage when their existing policy already includes it.

Chasing the newest phone or gadget isn’t a priority. Millionaires wait until an upgrade is actually needed instead of buying tech just to have the latest version.

Instead of paying full price for high-end fashion, they wait for discounts or buy classic pieces that stay in style and hold up over time.

Many millionaires avoid timeshares, recognizing that the long-term costs and rigid schedules don’t offer the value or freedom they prefer.

To steer clear of high interest charges, many millionaires avoid carrying credit card balances altogether.

Rather than dining out frequently, some wealthy individuals prefer the simplicity and savings of preparing meals at home.

Unless it brings clear value, expensive club memberships often don’t make the cut in a millionaire’s budget.

They tend to steer away from investment options that come with hefty management fees or steep commissions.

Millionaires may view in-app purchases as unnecessary and choose to skip small but frequent microtransactions.

Risky or untested investments usually don’t appeal to them—they prefer to avoid putting money into highly volatile ventures.

They often skip the daily habit of pricey coffee shop runs, opting instead for a more budget-friendly brew at home.

Rather than pay for services they can handle themselves, millionaires often manage their own finances or decisions when possible.

They actively monitor their accounts to prevent overdraft charges, keeping small fees from adding up.

Spending more upfront for well-made, durable items is a common approach—they value quality that lasts over constant replacements.

High account fees are something many wealthy individuals avoid by choosing banks with fair, low-cost services.

Instead of flashy, expensive jewelry, they often go for timeless, understated pieces that suit a more classic style.

Rather than buying oversized homes, they may choose modest, comfortable spaces that require less upkeep and cost less to maintain.

Self-sufficient millionaires often take care of small tasks themselves, avoiding the cost of outsourcing when it’s something manageable.

Some millionaires opt for straightforward, reasonably priced haircuts rather than spending excessively on salon services.

Fast fashion doesn’t often appeal to them—they tend to avoid trendy items that quickly lose their style or quality.

One-use kitchen gadgets or bulky appliances that don’t add lasting value are usually passed over in favor of practical tools.

With digital media dominating, many skip buying physical formats like DVDs or CDs, choosing more convenient, space-saving options.

Rather than buying decorative pieces with no real use, some millionaires invest in items that blend function with aesthetic appeal.

Books are chosen for reading, not display. Wealthy readers typically buy or borrow titles they genuinely plan to enjoy.

From software to streaming to magazine subscriptions, millionaires often cancel what they don’t use to avoid unnecessary recurring expenses.

For short flights, economy seating is often just fine—they see little reason to pay extra for added comfort they don’t need.

Knowing kids quickly outgrow toys, they often give meaningful or lasting gifts that offer more long-term value.

If their current phone works well, they usually won’t replace it just because a new model hits the market.

High-end baby clothes aren’t a priority, since little ones outgrow them so quickly. Many opt for practical, affordable options instead.

Rather than throwing extravagant parties, some millionaires prefer smaller, more meaningful gatherings that don’t come with a hefty price tag.

Luxury home features like saunas, wine cellars, or private theaters are often skipped unless they truly align with personal interests.

With streaming services offering more targeted entertainment, many forgo expensive cable packages in favor of lower-cost, more flexible choices.

Health fads and supplements without scientific backing rarely make it into their routine—they prefer proven, evidence-based wellness strategies.