top frugal living bloggers

10 Best Frugal Living Bloggers Abundantly Answer 5 Blogging Questions

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Last Updated on January 28, 2020

In some countries, like the U.K., the growth in debt is greatly outpacing income growth.

Concerned individuals are looking for a way to get out of debt, make and save more money, and enjoy a simpler lifestyle.

Increasingly, they’re looking to frugal living bloggers for leadership, inspiration, and guidance.

Meet Our Panel of Blogging Experts

Each of our blogging experts is driven to help others achieve financial independence.

Some had to overcome immense challenges. All were ingenious.


Faith Archer, Much More With Less

much more with less blog

Four years ago Faith Archer “swapped London for Suffolk” — moving to the pastoral countryside depicted in the paintings of Thomas Gainsborough and John Constable.

She soon launched a blog about “moving to the country, living on less and making the most of it.”

Faith had plenty of experience to draw on. She’s an award-winning personal finance journalist whose work and commentary has appeared in media outlets like The Sunday Times, Good Housekeeping, Money Advice Service, and Woman & Home.

More With Less is brimming with financial help, recipes, and cost-cutting family adventures.

The 5 Frugal Things series gives you quick takes to get into top financial shape.

Speaking of getting in shape, Faith even has a section on getting fit for less.

Melissa Goodwin, Frugal and Thriving

frugal and thriving

Frugal living is “the means to a happy, healthful, and thriving life,” says Melissa Goodwin. She’s here to help readers learn how to budget easily, “live large,” and find a new level of personal freedom.

Her blog is grounded in the idea that frugality is an empowering “mind shift” that “takes the focus off things and puts the focus on what’s truly important and what really makes you happy…”

Visitors to Frugal and Thriving will find blog posts on budgeting, cooking, DIY topics, home environment, and more.

Sign up for her newsletter and you’ll get her “Quick Fix Guide: 5 Money Fixes You Can Implement Straight Away to Save More.”

Melissa’s book, Plan Cook Save helps readers “eat well when money is tight and time is short.”

Cass Bailey, Diary of a Frugal Family

diary of frugal family

After both her mother and brother passed away,  Cass Baily decided to start blogging.

Her goals? To create family memories through the blog and to “drastically change our spending habits” so she could spend more time with her family.

“I’m now able to drop the kids off at breakfast club on a morning and be there again to pick them up from school which is fantastic,” says Cass.

Cass describes her Diary of a Frugal Family as “a complete mish-mash of family fun, money saving tips and foodie ideas with lots of cupcakes and smiley faces thrown in too.”

“We still have a long way to go, some debt to pay off and a lot more money to be saved and made and I hope that you’ll be right here with us, following our journey.”

Morgan Woods, Morgan M. Woods

morgan m woods

Morgan Woods created a turnaround for herself and her family. Now she blogs about it.

“In 2016 we found ourselves in a financial situation I hope we never have to deal with again!” says Morgan. “Due to mental health issues and a few other negative events, we weren’t particularly financially savvy. Money was a constant struggle . . . ”

Morgan committed to change. Through side hustles, she started making more money.

By reducing key spending areas, like groceries, she was able to save more. She gradually became “frugal and thrifty.” Now she helps others “gain control” and “live better.”

On Morgan’s blog you’ll find a free monthly budget planner and plenty of tips on making money and saving money. Those tips include meal plans, money-saving apps, and matched betting.

“Absolutely anyone can turn their finances around,” says Morgan.

David, Money for Monday

money for monday

David’s blog focuses on ways to make and save money, but also on “our relationship with money and how it might affect us daily.”

With refreshing candor, he says: “Unfortunately this site won’t make you a millionaire…I do hope though that it makes you think about your own relationship with money.”

Site visitors will find thoughtful advice on frugal living and growing one’s nest egg. In addition, David offers helpful guidance on career and lifestyle issues.

Popular posts include 5 Strategies You Can Use Today to Repay Your Debts and 7 Movies About Money You Need to See, and How to go from Job Zero to Job Hero

Jane, Shoe String Cottage

shoestring cottage

“Money saving, natural living,” is what Jane’s Shoe String Cottage blog is all about. This blogger will inspire you to take control of your finance, become debt-free and save for the future.

“You can live a good and happy life on less than you think, you can get off the consumer treadmill and you can live more simply and healthily and not feel deprived,” says Jane.

Frugal living “is like giving yourself a pay rise,” she adds.

Jane’s blog is organized into categories like Frugal Home, Frugal Garden, Frugal Lifestyle, and more. She even offers tips for “Eco-Friendly Beauty on a Budget.”

She also has a helpful “Start here” section for new site visitors.

Some of her most popular posts include Focus on Frugality: Why the Little Things do Matter and the appealing Eight Ways Frugality will Ruin your Life.

Clare, My Money Cottage

my money cottage

In the wake of the 2008 recession, Clare and her husband both lost their jobs in the same month. It was just before Christmas and Clare was pregnant with their second child.

Clare overcame the obstacles and learned how to make money working at home.

Now, 8 years later, she helps others do the same.

Visitors to her blog can sign up for her 30-day email crash course to boost their income.

Participants also get access to a closed Facebook group called BargainBunny. This group features daily discounts and deals.

Clare also teaches individuals how to make money from matched betting.

Popular blog posts include Saving Money in the Summer Holidays — Top Tips and 50 frugal family activities.

Vicky Eves, I Beat Debt


After losing her father and her job in the same week, Vicky Eves faced another burden. She suddenly realized how much debt she was in. Worse, Vicky “could see no way of ever paying it back.”

That’s when she sought debt management help from the British organization Christians Against Poverty (CAP).

Vicky’s story becomes more unorthodox at this point. She managed to get on a British game show and earn over $3,400. She handed those earnings over to CAP who, by negotiating with creditors, managed to stretch it to pay down a full half of her total debt.

Vicky then managed to get on another game show and took home over $5,000.

One year later, Vicky is debt-free.

Now she’s on a crusade to help others get out from the debt burden. She even offers guidance on how to get on a game show yourself.

Lynn James, Mrs Mummypenny


Lynn James started Mrs Mummypenny as a hobby in 2013 while she was on maternity leave. Two years later, she dared to leave her corporate career to work full-time on the blog.

“The risk was big” she admits, “but it paid off. I am happier, have more flexibility, particularly with my family and am in control of my own destiny.”

To grow the brand and develop her blog Lynn drew on corporate finance background and everyday life as a mom.

Popular posts include How to Survive the Salary Drop When You Go on Maternity Leave and How I saved £7500 in 6 months

Lynn also hosts a podcast, called Mrs Mummypenny Speaks.


Q&A With the Frugal Living Blogging Experts

We asked these blogging experts the same five questions.

In their answers, you’ll gain insight into the ups and downs of the journey to successful blogging.
starting frugal living blog

Why did you start blogging?

Melissa Goodwin, Frugal and Thriving

When the financial crisis hit in 2008, I found myself out of work and pregnant.

I’ve always wanted to write and I had heard about this thing called blogging, so having nothing to lose, I decided to give it a go.

I chose to write about frugality because it’s a topic I’m passionate about, it was very relevant to us at the time living on one income and about to have a baby and it was topical considering the global recession.

Cass Bailey, Diary of a Frugal Family

It’s a bit of a sad story but my Mum and Brother both died within a year of each other when my children were very young.

It made me realize just how short life was and I decided that I wanted to spend as much time as possible with my children as they grew up.

I wanted an online diary of all the things we did in case anything ever happened to me and I went with a family money-saving theme as I was trying to drastically change our spending habits so I could reduce my hours at work to spend more time at home.

Faith Archer, Much More With Less

I actually started my blog to help raise money for charity, then continued writing money saving posts.

Morgan Woods, Morgan M. Woods

After improving my own families finances I wanted to share with others how I did it so I started blogging.

I wanted a way to share with others how I was saving money and making extra money from home.

David, Money for Monday

I got into blogging to share my views about money.

I’m a strong believer in lifelong learning and thought that it might also be a great way to engage with people that might share the same views or differing views and maybe along the way provide advice that people might find helpful on their own financial journey whatever that is.

Jane, Shoe String Cottage

I decided to document my own journey towards frugality and taking control of my money. started life as a kind of public diary, to help keep my finances on track.

Now I hope it is a resource for others starting out on their own money-saving journeys.

Clare, My Money Cottage

Initially, I started blogging as a way of keeping track of how I was making extra money. I started my first ever blog about 8 years ago, but it wasn’t until late 2016 that I started My Money Cottage.

I started taking an interest in other people’s blogs and saw what was possible and that’s what really spurred me on.

Vicky Eves, I Beat Debt

I wanted to learn about building websites, and starting a blog seemed to be the best way to do it as I learn by doing.

Lynn James, Mrs Mummypenny

I wanted to inspire others. My mantra is healthy wealth, body and mind and I write about all aspects of this.

If we could be happy with all three life would be pretty special.
motivation frugal blogging

What’s your secret to staying motivated & inspired long term?

Lynn James, Mrs Mummy Penny

I always knew that I had a unique voice and was changing the world with every blog post, social share, podcast or vlog.

I get so many messages from people saying how I have helped them with finances, mental health, debt or fitness. To make a difference is what I set out to do.

My blog is a commercial enterprise and I run it as a business. I negotiate well on all the work I take on and choose my brand partnerships wisely. Every brand I work with has to adhere to my core values.

Melissa Goodwin, Frugal and Thriving

How do you stay motivated for 10 years? A big part of it is the wonderful readers I have met who have encouraged me and supported the blog.

In part it is because I’m passionate about the topic — there’s always more to explore, more to learn and more work to be done!

Cass Bailey, Diary of a Frugal Family

I blog because I enjoy blogging and I think that’s what’s kept me going.

I work full time again now that the kids are older and I love my job so there’s no pressure on me to earn a set amount from my blog which gives me more flexibility to write about what I want and to pick and choose what paid work I do.

Faith Archer, Much More With Less

I love writing, and I’m passionate about helping people make the most of their money.

I’ve also valued support and advice from the wider blogging community, in helping me to keep going!

Morgan Woods, Morgan M. Woods

I genuinely want to help my readers so I am continuously finding new money making and money saving ideas to do that.

David, Money for Monday

Blogging is often made out to be a great way to make a little extra money and something that will allow you to one day quit your 9 to 5. While this might be true to some extent, it takes a lot of hard work and dedication.

You have to wear a number of hats, social media manager, SEO expert, copywriter, salesman.

I think that a lot of people will get into blogging with unrealistic expectations and when they aren’t making thousands or able to give up their jobs after a couple of posts feel like they’ve failed and give up.

If you’re prepared to treat blogging like a marathon not a sprint, put in the hard work and set realistic goals your blog can open up any number of doors.

Jane, Shoe String Cottage

I just love writing! Plus when I started getting people reading the blog, who seemed genuinely interested in what I had to say and wanted to engage with me, it encouraged me to continue.

Clare, My Money Cottage

I’ve think I’ve just got the blogging bug. I wake up thinking about my blog and fall asleep thinking about it.

I think that if you don’t feel passionate about it, then you’re less likely to succeed.

Vicky Eves, I Beat Debt

I’ve had times when I blog more and times when I blog less. It depends on what is going on in my life.

At the end of the day I write about something I am passionate about and that keeps me going. The people I’ve met along the way keep me going too.


cass baily pinterest
Going to where the people are: Cass Bailey’s Pinterest page has a whopping 1.7 million monthly viewers.


successful frugal living blog

What do you think had the biggest impact on making your blog a success?

Cass Bailey, Diary of a Frugal Family

Community! Meeting other bloggers, both online and in person has helped my blog massively.

In the beginning, some very lovely larger bloggers shared some of my posts and it snowballed from there. I try and return the favor to newer bloggers in the same way.

Jane, Shoe String Cottage

I think people engage with it because I am honest. Maybe they can relate to my struggles.

I don’t pretend to have all the answers and have learned a lot from my readers.

Clare, My Money Cottage

Over the last six months, I’ve really started to treat My Money Cottage as a business. I think this is what’s really started to make a difference for me.

I’ve now started seeing my blogging income overtake my actual job income for a few months. I think that being professional makes a huge difference.

Melissa Goodwin, Frugal and Thriving

The readers of Frugal and Thriving. It wouldn’t be what it is without them.

Faith Archer, Much More With Less

Hopefully, I’m providing blog posts that people find both entertaining and genuinely helpful.

Morgan Woods, Morgan M. Woods

My readers, without them there would be no blog and no reason to share all my ideas.

David, Money for Monday

It has to be the support of other bloggers.

I’m a part of a personal finance blogging group and we are always sharing ideas and opportunities to ensure that we are all making a difference, not only to our own blogs but to our readers too.

Vicky Eves, I Beat Debt

Discovering and networking with other bloggers. In most industries, you would view these people as competitors, but in the blogging world they are cheerleaders! The encouragement and support I’ve had has blown me away. I’ve learnt so much from them as well.

Lynn James, Mrs Mummypenny

Networking and negotiation.

Prior to running Mrs Mummypenny I worked in the corporate world for 16 years as a finance manager and commercial negotiation manager for several FTSE 100 companies, I am an AMCA qualified accountant.

This was a perfect background to running my own company. I network well and negotiate every campaign and project.

faith archer instagram
Faith Archer’s Instagram channel reminds us to enjoy the beauty of everyday things.


learn frugal blogging

What lesson about blogging do you wish you’d known before starting out?

Vicky Eves, I Beat Debt

It is hard work. You don’t put a website out there and the next day people flock to see it.

It is a hard graft and there is a lot to learn, but every time you reach a new goal or target it is super rewarding and that keeps you going.

Cass Bailey, Diary of a Frugal Family

That my blog is my corner of the internet and I can do what I want on there. Other people might try and tell me what I should and shouldn’t be doing but it’s my blog.

Faith Archer, Much More With Less

The importance of SEO in helping people find your content.

Lynn James, Mrs Mummypenny

To SEO my content properly from the beginning.

I knew about SEO from my digital mgr days at EE but I didn’t start it on Mrs Mummypenny until I had 150 posts worth of content! Its all fixed now though.

I am grateful to have a team who can help with this extra admin work that is very necessary for the success of Mrs Mummypenny.

Morgan Woods, Morgan M. Woods

Blogging has been a real learning curve for me and there is lot’s I have learned along the way. I don’t think I’d wish for it to have been any different though.

David, Money for Monday

Make a plan.

Whether you’re blogging for fun or to make money failure is guaranteed without one.

Jane, Shoe String Cottage

That there is a fantastic community of bloggers out there who are willing to give you help and advice.

I struggled on for ages before I discovered a couple of super supportive Facebook groups and now have lots of blogging friends.

Clare, My Money Cottage

I don’t think there’s one thing I wish I’d known.

Blogging is a big learning curve and I think you have to go through those early stages so that you understand how it all works.

Melissa Goodwin, Frugal and Thriving

Blogging can be lonely. It helps to build community with other bloggers to support each other, help each other and to talk shop.

There’s only so much talk about SEO and plugins your partner can handle.

Creative thinker: Vicky Eves of I Beat Debt not only scored thousands of dollars in this game show, she later won over $5,000 on a different game show. Now she helps others use clever tactics to get out of debt.
advice for frugal bloggers

Best advice would you give a new blogger?

Jane, Shoe String Cottage

Write often. You have to post new content regularly if you want to grow your blog.

Morgan Woods, Morgan M. Woods

A blog takes time to build and it may take a while to get your message out there but eventually, it will. Don’t give up.

Melissa Goodwin, Frugal and Thriving

Focus on your readers and helping them. Aim to make the world a better place and you can’t go wrong.

Cass Bailey, Diary of a Frugal Family

That stats aren’t everything!

Faith Archer, Much More With Less

Write about something you enjoy, so it never becomes a chore.

David, Money for Monday

Don’t be afraid to ask questions. You won’t know it all straight away and no one expects you to.

Clare, My Money Cottage

Don’t compare yourself to somebody who’s been blogging for years when you’re just starting out.

I was so guilty of this for the first year or so! I’d look at big bloggers earning ££££ and wonder why I wasn’t doing the same.

It takes a while to build yourself up to a level where you’re seeing a consistent income and you have followers who value what you do. Understand the importance of those early days and don’t rush it or beat yourself up when things seem to be going slowly.

Vicky Eves, I Beat Debt

As long as you are writing about something you are interested in or care about, it will be worth it.

I’m not saying don’t monetize your blog — but starting one in a niche that you aren’t interested in just to make money isn’t the right reason or approach. Your blog will also almost certainly fail.

Lynn James, Mrs Mummypenny

Nail the content, write from the heart and create co

Be honest and genuine and do not look to make money from year 1.

The money does not come quickly, and only with time, hard work, networking and dedication does it come.

Final Notes and Resources

A big thank you to the entrepreneurial bloggers profiled here. Their financial savvy and raw determination are inspiring.

We highly recommend that you spend time exploring their blogs. You’ll be surprised by how much you learn.

Key Takeaways

With hundreds of millions of blogs now online, the competition for readers’ attention has never been greater. Following these principles will give you a good head start.

  • Readers crave authenticity. Be yourself. They don’t expect you to have all the answers or to look like Kim Kardashian.
  • Turn life’s lemons into lemonade: Gone through a rough patch? Consider sharing the lessons learned with others in the form of a blog.
  • Focus on providing solutions for your target audience’s problems. The more you succeed at this, the more successful your blog will become.
  • Reach out to the blogging community for help. They’re a friendly, generous bunch.

What’s Next?

Not sure how to start a blog? Check out our step-by-step guide.

Planning on selling a service or product on your blog? Use our free Bloggers’ Guide to Selling Online to brainstorm ideas with your friends.

Know a frugal living blogger who we should feature here? or Have another idea for an interview? Please let us know!

Sherrie is a former magazine editor and marketing executive who helps small businesses identify and solve their biggest digital problems. That includes helping clients discover the power of a good blog.