Frugal Boundaries: 5 Items I Refuse to Spend Money On

Join me around the kitchen table today to discuss those items we won't buy.
image: Sosey Interiors

Reading through yesterday's comment-conversations about salad dressings was such a joy for me. One of the things that stood out the most was how beautifully unique everyone’s approach to the kitchen truly is. Some of us love the ritual of mixing a dressing from scratch, while others consciously choose a specific store-bought brand to fit a dietary target, save time, or match a great bargain found at a grocery salvage outlet.

That conversation reminded me of a powerful truth: frugality is never a one-size-fits-all formula. What feels like an unnecessary expense to one person might be a valuable tool, a health necessity, or a simple comfort to another. Our budget boundaries are deeply personal, shaped by our individual lives, seasons, and priorities.

My own frugal journey has taught me that saying "no" to some things, especially those that don't matter to me, doesn't deprive me, it liberates me. It gives me freedom despite a tight budget, to enjoy the things that do truly matter. My budget isn't shaped by what I cannot afford, but by what I intentionally walk past. 

With that spirit of variety in mind, today I'm opening up my household shopping list to you, to share five everyday items that will never cross my receipt -- and why saying "no" feels like a massive win for my life. And just so you know, I fully expect that your own lists might look completely different.

Since I will ask you to also share in the comments, I thought I'd simplify the thought process and provide five categories. You may or may not follow those categories. That's up to you.

The Grocery Convenience Trap

image: Heather McKean on Unsplash

There are times when convenience is paramount to getting meals on the table. And then there are others when saying "no" to the convenience product frees us to spend in ways more meaningful to ourselves.

My absolutely "no" for convenience are those packet seasoning mixes. If you read the ingredients on the back, these flavor packs sometimes contain preservatives, anti-caking ingredients, and highly-processed thickeners and fillers. 

In addition, there's a lot of wasteful packaging, and of course, these are much more expensive than mixing your own seasonings together. For example, taco seasoning mix packets. At Walmart, Old El Paso is priced at 97 cents. I can mix up the same amount as a packet, but of my own seasoning blend, consisting of chili powder, cumin, salt, garlic or garlic powder, onion or onion powder, paprika, black pepper, oregano, and red pepper flakes, that will cost me about 8 to 10 cents using bulk bin spices.

My mother, bless her -- a new bride in the advent of the convenience era, always bought packets. They're handy and great if you don't want to buy a large canister of spices or don't have bulk bin sources nearby. And if you're really busy, I can see where these would take the thinking out of making dinner.

I like that making my own spice blends in the moment keeps me connected to all of what I'm feeding my family. I know all of the ingredients, and this is very important to me.

The Duplicate "Single-Purpose" Tool 

image: Lucas van Oort on Unsplash

Sometimes having the exact tool or product for the job is important. You wouldn't try to hammer a nail using a screwdriver, right? But there are other times where a multi-purpose tool or product will save your home from excessive clutter.

Official toilet-cleaning liquid, those bottles with a tipped nipple dispenser to spray/squeeze under the rim, is my idea of a single-function product that I just wont buy. I use multi-purpose bleach or hydrogen peroxide with a brush to clean the inside of the toilet bowl. It takes a minute to do, or if a toilet has water rim stains, I will let bleach sit in the water for a half hour before brushing and flushing. But the actual pouring or spraying in bleach takes seconds to do. 

The beauty of using bleach or hydrogen peroxide in place of a specialized cleaning solution is I can use the bleach also to get whites in the laundry brighter, clean the sink drain opening in the bathrooms, spray the porcelain kitchen sink with a diluted blend of either to whiten stains, and make my own bleach wipes during a widespread health emergency (or a not-so-widespread one, for example when one of us has a bad stomach virus). While in theory I could wipe down counters and doorknobs with toilet cleaner, I think the blue dye it contains would cause staining of more porous surfaces. Also, a gallon of bleach is about 5 cents an ounce. A bottle of nozzle-type toilet cleaner is 8 cents an ounce.

Again with my sweet mother -- she did buy the special bottles of toilet cleaner. They were handy and convenient. I can see that. And the bottles were relatively small. She could keep a bottle under the sink in every bathroom. In contrast, a large gallon of bleach (for best price per ounce) takes up a lot of space under a sink. Besides, the nozzle solutions were less likely to splash or get onto rugs or clothing.

I'd like to point this out about multi-use household items -- if I relied on special toilet cleaners, when I ran out, I would be out of luck until I went shopping again. If I rely on something like bleach, which I may use multiple times in a month for multiple applications, I have that many more opportunities to see that I am near running out and need to add it to my next shopping list. And because we use it for many purposes, I buy the largest retail container available, so running out takes place less often.

Here's my philosophy: If one product or tool can do many jobs, my house is that much simpler to maintain.

The Name-Brand Illusion (Saving on Selected Store Brands)

image: engin akyurt on Unsplash

I have a feeling this category will be controversial, as brands can feel so personal to the individual. I will pay top dollar for name-brand organic all-purpose and whole wheat flour. But that's because I don't want or can't have some of the other ingredients added to all-purpose flour, or I want stone-ground whole wheat, or I want all organic to avoid glyphosate and other chemicals used in growing or after harvest. 

However, there are some grocery staples where the store brand and the name brand are basically identical behind their labels. When it comes to canned and frozen vegetables, such as canned corn, canned green beans, canned tomato paste, frozen peas, etc., I am not at all concerned with brand. Even if a store brand may have a woody piece or two (sometimes happens with canned green beans), I can pick it out and still enjoy the savings of not buying name brand vegetables. As for my mother, she always bought the store brand of canned goods, too, when available.

Using the store brand of canned vegetables allows just the wiggle room in our budget that I need to buy the organic flours.

The Digital Noise (Paid Digital Services -- Movie/TV Streaming, Entertainment, Music, Games, Book Apps, Magazine Subscriptions, Cloud Storage) 

image: Kevin Woblick on Unsplash

On-demand media, gaming, and software has taken over traditional physical media with instant cloud-based access to a world that didn't exist 40 years ago. During Covid, everyone I knew had subscribed to movie streaming. I knew people who were paying subscriptions on services they weren't getting around to using. Meanwhile, our library system has been practically begging us to take advantage of free on-demand music and movie streaming and the e-book selection. 

I don't know how much agreement there will be on this one, but in our house, we don't pay for any entertainment subscriptions or movie streaming apps. We find so much entertainment for free via the local library, youtube, the free apps that can be installed on Roku, Internet Archive, borrowed dvds from friends, free-pile VHS tapes (yes, we still have a VHS player), and on rare, rare occasion the television with amplified rabbit ears. I have no idea how much we save each month. And we aren't spending our time chasing sign-up deals then trying to stay on top of canceling before the much higher price kicks in. 

I just want to emphasize something, the Internet Archive is an amazing resource for media that is no longer being sold or even on the shelves at your local library. Check it out. 

The Automatic Upgrade Culture 

image: Diane Picchiottino on Unsplash

Modern culture seems to be obsessed with replacing something that works perfectly fine simply because a newer, shinier upgrade was released. Maybe its kitchen appliances in a new finish, or the latest smartphone or laptop, or perhaps its buying a new wardrobe every season -- there's temptation to have the newest of everything, even when the older version has a lot of life left in it. 

This one is easy for me and likely saves us the most money of any of the items on my list -- buying new cars just because they look newer than our current ones. Our newest car is now 16 years old, and our oldest car is 22 years old. We take pride in the ownership of the cars we have. We keep them clean and in good working condition. We've always driven older cars. The fact that they're not the latest style doesn't seem to affect us. But we're all different in that regard. 

This is a perfect example of saving in some areas so we can afford others. Driving an older car has saved tens of thousands over the course of our marriage. This coupled with lots of smaller savings has allowed us to have me work at home. It's all about what has the greatest importance to a person or couple.

Consciously choosing to not spend in these areas has allowed us to have the life we wanted, kept our budget incredibly resilient, and in some cases, has reduced clutter in our home.

Your Turn: I want to hear from you as we head into the weekend! What is the one everyday item, convenience trap, or service that you absolutely refuse to spend your hard-earned money on? Let’s swap our lists in the comments below!