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1) Buy in bulk

2) Join a wholesale superstore. Some wholesalers charge up to 30-40% less than retail.

3) Before you shop, look through your kitchen and refrigerator. You may have some items hidden in your kitchen that you won't have to buy.

4) Use coupons. Clip coupons and combine them with in-store sales

5) If you're using coupons to save money on things you don't normally buy, you're not really saving money.

6) Don't shop when you're hungry. You might end up impulse shopping.

7) Stock up on items that are on sale.

8) Watch the cash register. Count your change and check your receipt.

9) Buy fruits and vegetables that are in season.

10) Try reducing the amount of meat in your diet or cut it out completely. You can get protein from other foods.

11) Drink plenty of water. Avoid soft drinks. It's healthier and cheaper.

12) Avoid eating out. If you do, go for lunch instead of dinner.

13) When eating out, avoid beverages, especially alcoholic beverages.

14) Buy fruits and vegetables that are in season.

15) Instead of buying coffee at work or school, drink water. It's healthier and cheaper.

16) Keep water and snacks in the car so you won't be tempted to pull into a fast-food restaurant.

17) Grow your own fruits and vegetables in your own garden.

HOME

1) Turn down the temperature on the water heater.

2) Hook up the washer only to cold water. This saves 90% of the cost of washing.

3) Wash only full loads in the dishwasher and washer.

4) Dry only full consecutive loads in the dryer and keep filters clean.

5) Low-flow showerheads claim to save families up to $250 per year.

6) Save receipts and send in warranties.

7) Do home repairs yourself with the help of How-To books.

8) Turn down the water pressure for bathroom and kitchen faucets.

9) Carpet and padding cut down on heat loss.

10) Close shades and drapes to keep heat in during the winter months and the sun out in summer.

11) Try adding only half the clothes detergent recommended by the manufacturer. You can also try this with dishwasher detergent.

13) Recycle items for different uses.

14) Use grocery bags for trash bags.

15) Buy energy efficient light bulbs.

16) Fix dripping faucets.

17) Use fans instead of air conditioners.

18) Great bargains can be found at garage sales, thrift stores or flea markets.

19) Cut your cable bill to the most basic package or cut it off completely.

20) Have a garage sale or sell items in the classified ads.

21) Try shopping at wholesale warehouse outlets for household goods and appliances. Examples: Price Club, Home Depot, Office Depot.

DEBT/ SAVINGS/ CREDIT

1) Pay off your credit card balance in full each month. If you are unable to pay off the entire balance, don't use the card again until it is paid off.

2) Check your credit rating. It is a record of how you are borrowing and repaying credit. It's your right to know. If you are planning to apply for a large amount of credit such as a mortgage, see where your credit rating stands.

3) Don't use too many credit cards. Retail stores accept most major credit cards so there really is no need to have their cards as well. You may only need one card.

4) Have a certain amount of each paycheck deposited directly into a savings account.

5) Try to put aside three to six months of income in case for emergencies.

6) Don't buy anything on time...wait before you buy.

7) Make saving a challenge, a game.

8) Save all your change for an entire month.

9) Try not buying anything you absolutely do not need for a month. See how much you've saved.

MISCELLANEOUS

1) Take public transportation. Ride the bus or try carpooling to work or school. Ask about a transit pass.

2) Use a bicycle or walk for short trips to the grocery or corner-store.

3) Try not to call long-distance during peak hours. Wait until late in the evening or weekends to make those calls.

4) Do not shop at convenience stores.

5) Buy no-name items or store brands.

6) Quit Smoking.

7) Only shop once a week.

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