Are You a Thrifty Person?

Do you pinch pennies like a pro, or do a few slip through your fingers without you noticing? This fun quiz will reveal just how thrifty you really are.

Whether you’re the type to reuse foil, hunt down every coupon, or simply avoid wasting money where you can, your habits say a lot about your money mindset.

You might discover you’re a budgeting genius—or learn a few areas where you can tighten things up. Get ready to answer honestly and see where you land on the thrifty scale.

What is a Thrifty Lifestyle?

A thrifty lifestyle means being smart about how you use money, time, and resources. It’s about making choices that give you the most value without wasting what you have. People who live this way often reuse items, repair things before replacing them, and avoid buying stuff they don’t need.

Living thrifty doesn’t mean living without—it means finding better ways to save and spend. This kind of frugal living helps you build financial security while still enjoying life in a practical way. It’s a steady, smart path toward long-term savings.

To Learn More: Why a Thrifty Lifestyle is Something You Need Today

#1 – You Know the Value of A Dollar

If you’re thrifty, every dollar has a purpose. You think twice before spending and know how much effort it takes to earn that money. Instead of letting cash slip away on impulse buys, you put it toward things that matter most.

This mindset is a big part of frugal living because it keeps you focused on your goals. By knowing the value of a dollar, you avoid waste and build stronger money habits over time. That’s how small decisions turn into big savings.

To Learn More: Zero-based budgeting: Organizing categories for every dollar

#2 – You Want to Save Money

Saving money is a clear sign you’re living a thrifty lifestyle. You set aside cash whenever possible and look for ways to cut costs without giving up what’s important to you.

You find ways to stretch every dollar. This habit protects you from debt and builds your savings faster. It’s a key reason thrifty living helps create long-term financial stability.

To Learn More: 20 Insanely Easy Hacks to Save Money Every Day

#3 – You Desire a Simpler Life

Many thrifty people prefer less clutter, fewer bills, and a slower pace. A simpler life means you don’t feel pressured to keep up with every new product or trend. You focus on what you truly need instead of chasing things that only drain your wallet.

This approach makes it easier to save money and avoid financial stress. It’s one of the most rewarding parts of frugal living because it frees up time and energy for what matters most.

To learn more: Our Journey to Own Less Stuff After 6 Weeks Without Our Things

#4 – You Focus on Zero Waste

Living with a zero waste mindset is common for thrifty people. You avoid throwing away items that can be reused, repurposed, or fixed. By reducing waste, you not only help the environment but also save money over time.

Things like using glass jars instead of disposable containers or repairing clothes instead of replacing them all help stretch your budget. This habit shows how being thrifty is about getting the most out of what you already have.

To learn more: How to Be Frugal Green: 91+ Tips to Save Money and Environment

#5 – You DIY First

If something needs fixing, you try doing it yourself before hiring help. Thrifty people often learn skills like sewing, home repairs, or basic car maintenance to cut costs. Doing it yourself saves money and gives you more control over the quality of the work.

Also, it’s satisfying to know you solved a problem without spending much. This habit is a strong part of extreme frugal living because it keeps expenses low and builds self-reliance.

To Learn More: Top 22 Frugal Living Tips From Grandma

#6 – You Watch What you Spend

Paying attention to where your money goes is a core part of a frugal lifestyle. You track expenses, check prices, and avoid buying things you don’t need. This habit helps you see where you can cut costs and save more.

Being aware of your spending keeps you from wasting money on items that don’t add value to your life. It’s one of the most effective ways to reach your savings goals faster.

To learn more: No Spend Challenge: The #1 Fastest Way To Save Money

#7 – You Spend with a Purpose

Thrifty living means every purchase has a reason behind it. You don’t shop out of boredom or habit—you buy things because they serve a clear purpose. This helps you avoid clutter, save money, and focus on what’s truly important.

By making thoughtful choices, you stretch your budget further and keep your finances in good shape. Spending with purpose is a sign of strong money management skills.

To Learn More: The Best Ways to Spend Money Without Going Broke

#8 – You Want to Make More Money

Many thrifty people look for ways to increase their income while keeping expenses low. Whether it’s a side hustle, selling unused items, or learning a skill that pays well, extra income helps grow savings faster. Making more money gives you more options and financial security.

It’s not just about cutting back—it’s also about creating more room in your budget for savings and investments. This mindset makes frugal living even more effective.

To learn more: Best Easy Ways to Earn Extra Money Even Staying Home

#9 – You Value Your Time

Thrifty people understand that time is just as important as money. You focus on ways to save both, like planning errands efficiently or avoiding long waits for things you can do yourself. By valuing your time, you avoid wasting it on activities that don’t bring results.

This mindset makes your frugal lifestyle more balanced because you’re not only saving money—you’re also protecting your most limited resource.

To learn more: Discover Time Freedom & Design a Happy Life You Enjoy

#10 – You Take Action

Being thrifty isn’t just about knowing what to do—it’s about doing it. You put your money-saving tips into practice instead of only thinking about them. Whether it’s sticking to a budget, cooking at home, or finding cheaper alternatives, you make changes that matter.

Taking action is what turns good ideas into real savings. This is how a frugal lifestyle moves from a plan to an actual way of living. It helps you achieve financial independence.

To Learn More: 15 Easy Steps to Take Back Your Life

Incorporate More Thrifty Living in Your Life

Living a thrifty lifestyle is about making choices that keep your money, time, and energy working for you. Small changes, like fixing instead of replacing or spending with a purpose, can add up to big results over time.

The more you focus on saving money and cutting waste, the more freedom you gain in your financial life. You don’t have to overhaul everything at once—just start with one or two habits and build from there.

If you’re ready to take the next step toward smarter spending and stronger savings, follow Money Bliss for more ways to incorporate thrifty living into your everyday life.

To learn more: 76 Easy Thrifty Tips & Tricks to Live a More Frugal Lifestyle

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