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Frugal gamers share their tips for video gaming on a budget

Get hundreds of hours of video game entertainment for cheap or free

Photo credit: Canva

Beat the level, not your wallet

If you’ve been a video game fan that hasn’t really touched a game system since the Playstation 3 or earlier and want to get back into it, or if you’re a parent that’s unfamiliar with current gaming today that has kids that want to play, it can look very expensive. Seeing new video game titles averaging around $60 for the base game plus more money for additional downloadable content can give everyone a case of sticker shock. Per the Entertainment Software Association, Americans spent $57.2 billion on video games in 2023. However, gaming veterans have some tips for newbies that can save you big money in the long term while providing hours of entertainment. As brought up on Reddit and other social media, there are ways to start or continue your gaming habit during these more difficult economic times.

First is gaming hardware. Many longtime games recommend getting or using a PC for gaming over gaming consoles like an X-Box or Playstation. First, the vast majority of games, especially third party or independently made games, are typically readily available for personal computers to download through electronic shops such as Steam. Buying games digitally is typically cheaper since there is no packaging, shipping, and other costs that usually drive up the price of a physical copy of a game. Along with that, if you learn some know-how through YouTube tutorials, you can upgrade your PC every few years yourself so you can play the latest games at a fraction of the cost of the latest gaming console. If you want a throwback experience or show off games you grew up with to your kids, there are downloadable emulators that will bring your favorite past games to 2025.

However, if you prefer a current game console such as a Sony Playstation, Microsoft X-Box, or Nintendo Switch, you can still save some money if you have patience. New consoles will have the latest games but will be at the highest price. Even then, there will only be a handful of games. If you wait six months to a year, the console will likely be cheaper and there will be more games for it to choose from at a better price.

If you can’t wait, you can buy the previous generation console since it will definitely be cheaper, new or used, and its much bigger library of games will be cheaper, too. There are also plenty of second-hand gaming stores or Facebook groups to buy gently used games. You can also research to see if your local library offers video games to check out, too.



Much like PCs, many of these consoles have a digital store that offer downloadable versions of games that are often on sale. It’s not unheard of for a same to be $60 or more when it is first released, but gets put on sale at 90% off after six months. If you see a gaming title you like but doesn’t fit your budget, put it on your wishlist and check every once in a while to see if it’s on sale. It’s worth spending more money on adding digital storage space for your system, as you can potentially download hundreds of games at deep discounts over time. There are also subscription services such as Playstation Plus or X-Box Gamepass that add on new games each month that you can play for as long as you want at a fraction of the cost. Following social media accounts that keep track and alert followers of sales can also help you find great deals.

If you do want to upgrade to a current system, it may still be worth waiting to purchase it until the price goes down and more games are playable. But if you are willing to invest in a new system, it’ll be worthwhile to make sure that it is backwards compatible or that you’re able to redownload the games you previously purchased. Many companies are seeing this as a must-have feature, like Nintendo reassuring consumers that they’ll be able to play most of their original Switch games on the Switch 2.

It’s also worth looking into online and in-person gaming communities in order to learn about lesser known game titles to check out, trade with new friends, and find out about new deals to stay ahead of the curve.

Video games can be a great way to decompress and entertain yourself or your children. But with a little bit of research and chatting with other friendly folks in the video gaming community, you can enjoy this pastime by running through loop-de-loops like Sonic the Hedgehog rather than running through credit card debt.

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Why Gen Z's idea of 'financial success' is so vastly different than every other generation

A salary of nearly $600,000? Are they serious?

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Gen Z's financial expectations are miles above the rest of us.

Have you ever thought about what threshold of income or net worth would make you feel successful financially? Not merely getting by or making ends meet, but like you've achieved a level of wealth that feels comfortable and secure? That number depends on a lot of factors, of course, depending on whether you have a family, the cost of living in your area and more. But as a survey of over 2,200 American adults shows, it also depends on your generation.

Averaging the numbers overall, Americans said a salary of $270,214 a year and a net worth north of $5.36 million would spell financial success for them, according to research from Empower. But those numbers are greatly skewed by the lofty ambitions of Gen Z, who say they'd need a whopping $587,797 a year salary to feel successful. Compared to Boomers with $99,874, Gen X with $212,321 and Millennials with $180,865, Gen Z's "financially successful" salary (as well as their response of $9.47 million for net worth) seems extraordinarily out of touch.

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Keep in mind, these numbers come from Gen Zers who are 18 years and older, so it's not like it's skewed by a bunch of 13-year-olds who have zero concept of money management. But how did young adults end up having such high expectations of what financial success means?

Here are a few possibilities:

Gen Z has been bombarded with aspirational content their whole lives

Instagram, TikTok, YouTube—these social media platforms include countless accounts designed to make us drool over aesthetics. Luxury travel. Beautiful homes. Fashionistas flashing name brand everything. The kind of content that used to be confined to "Lifestyles of the Rich and Famous" (yes, I'm dating myself) has moved into the mainstream and is now portrayed as a normalized ideal.

For older generations, "financially successful" generally meant being able to afford a nice house in a nice neighborhood, two new cars, a vacation every year and a solid retirement plan. It meant being able to send your kids to college and pay for a beautiful wedding without going into debt. It meant not worrying about money, but it didn't mean being able to afford all manner of luxury. Perhaps Gen Z sees success differently due to what they've seen on social media—and due to being the most marketed to generation in the least traditional ways.

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Gen Z is influenced by influencers who've gotten rich young

In past generations, wealth came with age and experience. Sure, there have always been people born into generational wealth, but if we were talking $600,000 a year salaries, we'd be talking CEOs and hedge fund managers and heart surgeons other careers that take some time to build.

But Gen Zers see YouTube creators and Twitch streamers their own age making millions doing things they believe they can do themselves. That's got to skew your perception of what's possible and what's a reasonable amount of money you can expect to make. It's entirely possible that a lot of these young adults simply don't realize what a normal salary is. Considering the fact that their "financially successful" amount is nine times the 2023 national average yearly wage, there does seem to be a disconnect between their perception and reality.

Gen Z grew up hearing repeated messages of financial uncertainty

Gen Zers are familiar with financial crises. They just started coming along when 9/11 happened, and they were still little when the housing market crashed. They've grown up hearing their parents talk about financial upheaval and hearing politicians use the economy as a weaponized talking point. The COVID-19 pandemic threw even more economic uncertainty on an already teetery foundation, right when a lot of Gen Zers were just starting to make their own money. Toss in the bonkers cost of college tuition, unaffordable housing and post-pandemic inflation and it's not hard to see why young adults just starting out might be under the impression that they need a megaton of money to feel financially secure.

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Oddly enough, they're quite confident that they'll get there

One might assume that these sky high Gen Z dreams of financial success would feel out of reach for these young folks, but according to Empower, 71% of Gen Z respondents said they expected to achieve financial success in their lifetimes—more than any other generation. Is that an admirable sense of optimism or the hubris of youth? Are they setting themselves up for success or disappointment with such expectations? Hard to say.

We live in unprecedented and unpredictable times, so anything is possible. And if you're going to have high expectations, you might as well have the confidence to match them. We olders might roll our eyes at Gen Z's standard being so much higher than our own, but maybe they're onto something. (After all, a good chunk of them seem to be getting by without driver's licenses, so who knows what else they're capable of.) Dreaming big has its merits, so more power to you, Gen Z. Only time will tell if reality has other plans.

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6 states where the minimum wage and cost of living offer the best bang for your buck

The highest state minimum wage in the U.S. is now $16.28 per hour, but some cities are even higher.

Map via Wikimedia Commons (multiple creators)

State minimum wages range from $7.25/hr to $17.00/hr in 2024.

Public discourse about minimum wage and living wages has been ongoing for years, with people debating whether the government should mandate a minimum hourly pay for workers. President Franklin D. Roosevelt signed the first federal minimum wage law in 1938, setting the lowest wage a worker could be paid at 25 cents per hour. Nearly a century later, the federal minimum wage is $7.25/hr, holding steady since 2009, with people lobbying to raise it to at least $15/hr for over a decade.

However, in addition to federal law, each state has its own laws, a handful of which establish a state minimum wage higher than $15, a handful of which don't have a set minimum wage at all and everything in between. Cost of living has also been a hot topic as inflation has squeezed everyone's wallets and certain cities and states have become utterly unaffordable, especially for people in low-wage jobs or who who are just starting out in their careers. So how do minimum wage and cost of living correlate state-by-state? Are there any sweet spots with a high(er) minimum wage and low(er) cost of living?

While there’s no perfect storm of super low cost of living and super high minimum wage—for instance, Washington, D.C. has the highest state minimum wage at $17/hr, but housing costs 140% more than the national average—there are some states where the ratio is far more favorable than others. According to Insider Monkey, here are the top six states where you can get the most bang for your minimum wage buck.

6. New Mexico

The Land of Enchantment offers a relatively decent living for its $12/hr minimum wage thanks to the state's below average cost of living. According to Rent Cafe, housing in New Mexico is 8% lower than the national average, monthly utilities are 9% lower, food is 4% lower, transportation is 3% lower and healthcare, goods and services are 2% lower.

According to Smart Asset, Albuquerque, New Mexico ranks as No. 10 in U.S. cities where minimum wage goes the furthest.

5. New Jersey

The Garden State's relatively higher-than-average cost of living is counteracted by relatively solid minimum wage of $14.13/hr. Most of the cost of living in New Jersey is wrapped up in housing, which is 30% higher than the national average, according to Rent Cafe, and utilities, which are 12% higher. Goods and services are 5% higher, but healthcare is 2% lower than the national average. Food and transportation are 1% and 2% higher, respectively.

4. Connecticut

With both a cost of living and minimum wage slightly higher than New Jersey, Connecticut rolls in at No. 4 with a $15/hr minimum wage. Where the Constitution State hits hardest is in utilities, which Rent Cafe places at 30% higher than the national average, and housing, which is 24% higher. Healthcare and goods and services are both 9% higher, while transportation and food are just 1% and 2% above average.

3. Missouri

The Show-Me State says, "Show me the money!" with its somewhat respectable $12/hr minimum wage, which goes pretty far with its relatively low cost of living. Housing is the biggest cost benefit Missouri offers at 18% lower than the national average. But utilities, food, healthcare, and goods and services are also all below average, with only transportation landing right at the national average.

Additionally, St. Louis clocked in at No. 5 for a minimum wage real-world value of $13.68 when adjusting for the city's lower-than-average cost of living.

2. Washington

With the highest state minimum wage in the nation (unless you count Washington, D.C.), Washington's $16.48/hr puts it in second place when accounting for cost of living. Make no mistake, Washington isn't cheap overall, with a cost of living 15% higher than the national average. Housing and transportation hit hard at 29% and 27% higher than the national average, respectively. Healthcare is pricey as well at 20% higher than average. Food costs 12% more, but utilities clock in at 7% less than the national average.

Two cities in Washington hit the top 15 for highest real minimum wage value, though, with Seattle at No. 13 and Spokane at No. 2.

map of united states with these states highlighted in green: Washington, New Mexico, Missouri, Illinois, New Jersey and Connecticut

These six states offer the best minimum wage to cost of living ratio.

Created with mapchart.net

1. Illinois

If you want the best bang for your minimum wage buck, head to the Prairie State with its $13/hr minimum wage and 8% lower than average cost of living. Housing in Illinois is 22% lower than average and utilities are 10% lower. The only expense that comes in higher than average for Illinois is transportation at 3% above average, which isn't enough to keep it out of the top spot.

However, there are some minimum wage sweet spots in certain U.S. cities that aren't reflected in these state rankings. According to Smart Asset, Denver, CO, is the city where minimum wage goes the farthest in the nation. Colorado comes in at a respectable 7th place in state minimum-wage-to-cost-of-living ratio, but Denver has its own mandatory minimum wage of $18.29/hr.

A citywide minimum wage is part of what puts Seattle at the No. 13 spot on that same list. Seattle is one of the most expensive cities in the U.S., but its $19.97 minimum wage for most workers changes the ratio in its favor.

Other cities in the top 10 include Buffalo, NY; Minneapolis, MN; Tucson, AZ; St. Paul, MN; Phoenix, AZ and Stockton, CA.

The minimum wage conversation may vary widely across the U.S., with different costs of living and different state laws on the books. But if you're looking to move someplace where your wage will go the furthest, these six states will likely be your best bet to check out first.


This article originally appeared in June.

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9 super simple things people can do to save money that are often overlooked

Doing all of these things really adds up.

Photo credit: Canva

People might not consider driving the speed limit to taking care of your teeth as money-savers, but they are.

No matter how the economy is doing at any given time, people are always looking for ways to save money. Rents go up. Job losses happen. Kids need braces. Retirement looms.

Financial advice often focuses on where to put your money for the best returns, but that advice is only helpful if you have extra money to save or invest. Money-saving tips can help free up some cash to save or invest, and they can also help you avoid having to put borrow money or use credit for things you can't immediately afford.

While some people understandably scoff at frugal tips like "eat less avocado toast"—as if saving a few bucks here and there will solve the housing crisis or make college affordable—there is something to be said for small amounts adding up. For instance, not buying a soda when you're eating out to save $4 may not seem like much, but if you did that once a week, you'd save over $200 in a year. Not a fortune, but nothing to sneeze at either.

And if you start combining lots of small money-saving habits like that, you may be surprised at what a difference it makes. Here are nine super simple ways people can save money—but often don't—from users on Reddit:

Take good care of your teeth

"An ounce of prevention's worth a pound of cure," as the saying goes. Toothbrushes and dental floss are cheap. Cavities, root canals and gum disease are wicked expensive. Good oral hygiene may not be the first thing you think of when it comes to saving money, but ask anyone who has neglected their teeth how much it has cost them in the long run.

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"Take care of your teeth: brush and floss everyday - preventative care now will save you THOUSANDS later if you need major dental work!

"Yup. This is often overlooked advice. My mom had lost most of her teeth by the time she was my age (40). She always said that this was her biggest regret in life. Because of this, my siblings and I have always been pretty good about taking care of our teeth. Right now my mom has dentures that don't fit well because she lost another of her remaining teeth but can't afford new dentures."

"As someone who has paid a thousand and will pay many thousands more in the near future…yes. Take care of your teeth."

"Can confirm! Just spent 20,000 on my teeth. Talk about eye opening!!!"

Only drink water

Drinks are expensive, and not just fancy ones. A basic soda will set you back $3 or $4 minimum at most restaurants, and everything else goes up from there. Water is free. Even at home, you can save a lot by simply drinking water. It's a simple rule that helps improve the health of your body as well as your bank account.

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"Drink water at restaurants and not soda."

"Only drink water. Not only will you save money, but your body will love you for this as well. Win\win."

"Water is my biggy. Don't drink soda period. Filtered at home. Doing this for 5 years and seriously tastes so good."

"Yep. Just take a look at what restaurants charge for a soda. It's usually around $3 now. Then, look at how many empty calories are in a 20 oz soda. It's basically 10% of your daily value on just one drink. Not worth it."

"If I learned anything in the military... drinking more water solves 99% of all problems."

Use the library (not just for books)

Free reading material? No brainer. But libraries have so many more free services that people often don't know about. From movies to language learning apps to artwork and tools you can check out, the range of things you can get from the library is wild. Definitely worth checking out your local public library's offerings if you haven't lately.

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"Make use of free services. Mostly, the local library. Sometimes there's a feeling that just because it's free it's trashy or peasant-like. I don't need to pay to see something in order to feel good about it. And libraries are amazing! Free books! Audio books! So many things."

"My library has tools and equipment available to borrow. Before going to big orange to rent a pressure washer, floor sander, paint sprayer, or post auger, I always check the library first lol"

"Public libraries are a gold mine for (almost) free. Ask them about their other options (than books, movies, music, etc.). Many libraries offer museum passes. I’ve heard of fishing poles. My library has a seed library."

"Ours you can check out a sewing machine. Plus attend a free workshop to learn how to sew!"

Ditch DoorDash

I know. All of those food delivery services are so convenient. But they're also soooo expensive. If you're in money-saving mode, definitely avoid these services like the plague. Just pretend they don't exist (because they literally didn't until very recently).

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"This. Your meal is easily 50% more expensive when you factor in delivery fees and a tip. and some restaurants charge more on door dash than they do in-person."

"Delivery fee? That's just the tip of it! Ever notice how there still is a bunch of extra fees on top even when they offer you the delivery fee for free?"

"And to make it worse, I tell myself that I have to order more food to justify the delivery fee! So now just paying more and overeating."

"It really is an addictive habit. We started using it during the pandemic and it really just was a bit of convenience that we found hard to give up because it was so easy... Pick up your phone, order, get delivery, eat, done... Every time we saw the card, we knew that the delivery fees were what was pushing our eating out budget way over but after a hard day of work and school, it was easy to convince ourselves that delivery is a worthwhile indulgence and the expenses add up real quick. It took us a lot of introspection and telling ourselves that we were 'sacrificing' for the future, and all that to stop ordering via delivery apps and within a couple of months, we saw us being closer to managing our budget."

Drop addictive substances

Addiction is a huge and tricky challenge, for sure, and I don't want to minimize how difficult this tip might be for some. But drinking, drugs, smoking, vaping, gambling—they all cost a lot of money. And the addictive nature of them means that you'll just keep spending more and more.

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"Quit addictive habits: Smoking, drinking, coffee, weed, etc. They're all expensive and you'd save a bundle quitting. But people don't because they think those things make life better. Some do and some don't, but the monetary savings can't be discounted. If you're broke, don't smoke or drink. Some people truly need weed for health problems. But nobody needs the others."

"Stop drinking and smoking, the government punishes you with a sin tax and makes big time bank of your vices."

"Seems obvious but quitting smoking. I see so many people complain about being broke but spend hundreds a month on ciggs."

"Stop drinking, smoking and going out so often. You'd be surprised how good sobriety feels! Even if you continue, just slow down!"

Say no to storage

Most of us have too much stuff. There is an entire industry around trying to help people pare down and "declutter," and there's an entire industry dedicated to renting people space to store their excess stuff. Making a rule to only hold onto the belongings that actually fit in your home will save you a lot of money in storage.

"More prevalent in the US, but get rid of your storage unit and most of the stuff in it. More often than not, you're paying more to store things that it would cost to buy it all again. If you can't fit it in your home, re-evaluate if you really need it."

"There are so many huge storage unit buildings in my area and it makes no sense to me. How important can this stuff be if you can't fit it in your home? I understand there are certain situations that require for a short term solution."

"That was my goal for 2022, Took me a few Saturdays to go through everything but it was worth it. I'm having over $200 a month now."

Cook at home a lot more

Even when inflation makes grocery prices uncomfortably high, it's still almost always cheaper—often significantly so—to cook food at home compared to eating out. Yes, that even goes for fast food. There are a million videos and social media channels dedicated to cooking and recipes can be found for free all over the internet.

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"Cook at home 98% of the month."

"Cooking/meal prepping VS Eating out every night."

"Batch cooking saves both time and money. Like you can spend 2 hours making meals for the rest of the week. Paying 8-15 dollars to eat out adds up very, very fast, if you do it regularly, to keep up with work or personal schedules."

"Learn to cook what you like to eat."

Drive the speed limit

This isn't one people usually think about, but driving the speed limit saves you money in several ways. For one, it's gas-efficient, and with the cost of gas in some places, it's worth easing up on the gas pedal. Second, speeding tickets are expensive, plus they lead to higher insurance premiums.

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"For those that don't get this: driving the speed limit avoids citations but also saves you gas, extends oil life and tires some, extends brakes quite a bit, and just generally lowers the wear and tear on your vehicle."

"This is so underrated, I don’t think enough people realize the extra cost of driving fast."

"It also only gets you there maybe 1-2 min faster, at best. Hitting Traffic lights at the wrong time will ruin any gains made by speeding. And only if you don’t get caught. Get caught and get points on your license, a fee, and it delays you 20-30 minutes."

"Your car insurance rates go up when you get tickets also. Get too many, and they may drop you."

"My step-sister was saying she pays the city about $500 a month in speeding tickets and parking tickets. The real wild thing is she said it like its a normal thing everyone has to deal with, like she was shocked when we didn't say 'Well that's <CITY> for you. What can ya do?'"

Fix things yourself

Many people never consider trying to fix something themselves, assuming that sort of thing is best left to the experts. But there are so many resources now with YouTube videos and such that can help walk you through a lot of fix-it projects that can save you boatloads. Not everything can be a DIY, of course, but probably more than you might think.

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"I've saved thousands of dollars by repairing things myself following YouTube videos. Washer, dryer, automotive stuff, cell phone screen replacements, etc."

"There is a website, repairclinic.com. They not only have tons of videos on how to fix stuff, but they also sell parts. I have a dryer that’s over 40 years old. I can’t get parts for it in regular stores. That website has been a lifesaver! I’ve been able to keep the thing going for the last decade and it works great! I’ve spent maybe $75 over the years to keep it running. Definitely cheaper than a new one."

"If you tackle things within reason it saves a butt load of money. $350 mechanic bill turns into $16 part and 1hr of your time."



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