I'm not sure if this counts as being frugal, but it has been a BIG help to me in my spirituality (and that's worth a lot), so I'm passing it along.
I have struggled for years making scripture study and journal writing part of my daily routine. At one point I even devoted the first 15 minutes of my elliptical machine use to reading scriptures. That one flopped - I can't imagine why:)
My latest, most successful attempt centers around my computer. I've noticed over the years that my life in large part revolves around my computer. It is a very, very rare day that I don't turn on the computer at least once. And now that I'm helping my husband with his business, I spend even more time with my keyboard. So, the idea was this: I found a scripture app that I liked, (I chose www.ldsscriptures.com, but there are lots of them out there). Then, I put the program in my start-up folder. (A suprisingly simple process - in Windows 7/XP, click your "Start" button, select "All Programs," find and open the "Startup" folder, and drag/drop your program into it! - I've since switched to Windows 8, which I don't understand, so these instructions are subject to the limits of my rather-limited-memory).