Apparel and personal care costs can add up quickly, but a few intentional changes can lead to meaningful savings over time.
Capsule Wardrobe
A capsule wardrobe centers around a small collection of versatile, mix-and-match pieces you love and actually wear. By choosing neutral colors, classic styles, and quality basics, you reduce impulse purchases and lower your cost per wear. Fewer clothes, better outfits, and less money spent.
Secondhand Shopping
Buying secondhand is one of the easiest ways to save on apparel. Thrift stores, consignment shops, and resale apps often carry barely worn clothing at deep discounts. This is especially effective for outerwear, denim, and brand-name items.
Cutting Your Own Hair
Learning to cut your own hair can save hundreds each year. With basic tools and online tutorials, trims, bang cuts, and simple styles are very achievable at home. This allows you to save money, not have to leave your house, and best yet, you can do it at a time that’s most convenient for you.
Personally, I use the following $20 trimmer for beard and a buzz cut which is cheaper than a haircut: Philips Norelco 3000 (Affiliate Link)
Cashback Services
Use cashback services and browser extensions like Rakuten (Referral Link) and ShopBack (Referral Link) when shopping online or in-store. Earning a percentage back on purchases you already make helps offset costs and stretch your apparel and personal care budget further.
Smart habits in these areas create long-term savings with minimal lifestyle compromise.
Frugal Toolkit 