Money-Saving Hacks From Other Cultures

When it comes to saving money, the U.S. doesn’t have a monopoly on good ideas. Around the world, people have developed creative, resourceful, and time-tested ways to stretch their dollars (or yen, pesos, or euros). From Japanese simplicity to Scandinavian practicality, here are some money-saving hacks from other cultures that can help you live smarter, spend less, and appreciate more.

Japan: Embrace Mottainai — “Waste Not, Want Not”

The Japanese philosophy of mottainai means avoiding waste and showing respect for resources. It’s not just about saving money; it’s about appreciating what you already have.
Money-saving takeaway:

• Fix broken items instead of replacing them. (The art of kintsugi, which is repairing cracked pottery with gold, is a beautiful metaphor for this.)
• Repurpose containers, jars, and packaging for storage.
• Buy quality over quantity to reduce waste in the long run.

Sweden: Live the Lagom Lifestyle

Swedes live by lagom, which roughly translates to “just the right amount.” It’s about balance; having enough but not excess.
Money-saving takeaway:

• Practice minimalist living by keeping only what adds value to your life.
• Focus on sustainable, long-term purchases instead of impulsive trends.
• Enjoy free or low-cost leisure activities like hiking or fika (coffee with friends).

India: The Power of Frugality and DIY

In India, “jugaad” is a term for clever, resourceful problem-solving. It’s the art of making do with what you have.
Money-saving takeaway:

• Upcycle household items for new uses (old clothes become cleaning rags, jars become spice containers).
• Cook at home using affordable ingredients like lentils, rice, and spices.
• Negotiate prices respectfully. It’s a normal practice in many markets and helps you understand real value.

Italy: Savor Quality, Not Quantity

Italians are known for enjoying life’s pleasures, such as food, wine, and fashion, without overindulging. The trick? They prioritize quality and simplicity.
Money-saving takeaway:

• Invest in fewer, better-made wardrobe pieces that last longer.
• Cook from scratch using seasonal, local produce.
• Make meals an event. Eating slowly can actually reduce overeating and food waste.

France: Master the “Capsule Wardrobe”

French women are famous for their effortless style, and part of that is owning less.
Money-saving takeaway:

• Curate a capsule wardrobe of versatile basics.
• Buy fewer items but focus on fit, fabric, and timeless appeal.
• Mend or tailor clothing rather than tossing it.

South Korea: Leverage Group Buying and Bulk Savings

In South Korea, “joint buying” or gonggu is a popular way to save. Neighbors or online communities team up to purchase products in bulk and split the costs.
Money-saving takeaway:

• Organize group purchases with friends for household staples, cleaning supplies, or even subscription services.
• Use apps or online forums to find bulk discounts and share deals.
• Participate in local community exchanges for items you don’t use anymore.

Mexico: Celebrate Community Over Consumerism

Many Mexican traditions revolve around family, food, and togetherness rather than material possessions.
Money-saving takeaway:

• Celebrate holidays and birthdays potluck-style where everyone contributes something.
• Barter skills or items with neighbors.
• Use public markets instead of big-box stores for fresh produce and better prices.

Norway: Prioritize Financial Independence

Scandinavians, particularly Norwegians, value self-sufficiency. Their financial culture emphasizes saving for the future and living within one’s means.
Money-saving takeaway:

• Set clear savings goals and automate contributions.
• Enjoy “friluftsliv” (outdoor life)—free recreation like hiking or camping instead of expensive entertainment.
• Use public transport or bikes whenever possible.

Universal Lesson: Think Globally, Save Locally

The biggest takeaway from these cultures? Money-saving isn’t just about clipping coupons; it’s a lifestyle. Whether it’s Japan’s respect for resources, Sweden’s moderation, or Italy’s appreciation for quality, each culture offers timeless lessons on how to live well without overspending.

By blending these international money habits into your daily routine, you can build a richer life both financially and emotionally.

Final Thought

Saving money doesn’t mean cutting joy out of your life. It means redefining what joy looks like. Across the world, people have found countless ways to live richly on less. Maybe it’s time we take a page (or a Chinese proverb) from their playbooks.