1) Cook @ home often
2) Make your own coffee
3) Brown bag lunch at least a few days a week
4) Make a list before going shopping
5) Go grocery shopping while you are in a hurry
6) Watch out for expiration dates on perishable items
7) Buy in bulk whenever possible
8) Buy generic products whenever possible
9) Use grocery store bags to the line trash cans
10) Consolidate and pay off debt as soon as possible
11) Pay your bills on time to avoid late fees
12) Be aware of your bank balance and avoid over draft fees
13) Avoid ATM fees
14) Avoid credit cards with annual fees
15) Disconnect land line if possible
16) Instead of buying books, borrow books from the library
17) If you have to buy books, check if you can buy it used
18) Price check before buying anything expensive
19) Avoid impulse buying
20) Bottle your own water
21) Avoid the vending machines
22) Keep your car as long as possible
23) Do regular scheduled maintenance on your vehicles
24) Avoid buying a new car
25) Ride your bike or carpool whenever possible
26) If you watch a lot of DVD’s, get an online DVD store membership
27) If you like watching movies at the theater, go before 6:00 pm
28) Regulate your electric use
29) Plan vacations ahead of time
30) Keep distance from lavish, high-roller friends and family
