1. Get rid of stuff you don’t use.

Take a trip through your home and look around for things that you simply don’t use or rarely use and sell them off, just get rid of the clutter.

2. Do some basic energy efficiency around your living quarters.

Install a programmable thermostat to replace your current one to have the heating and cooling shut off when you’re not at home, savingthe cost of running it.

3. Unless you’re a heavy cell phone user, switch to a pay-as-you-go phone.

A pay-as-you-go cell phone can be substantially cheaper than a cell phone plan. Look into some pay-as-you-go plans and see if any fit your usage needs and add up to significant savings over what you already use.

4. Buy in bulk the staples you use all the time.

The best way to do this is to buy items in bulk if you’re going to use all of them in reasonable time or before it becomes unusable like toilet paper, dishwashing detergent and laundry soap.

5. Get some exercise.

Many simple sports have minimal equipment and have all you need in your neighborhood likebasketball requires just a ball thus exercise is a way to spend time without costs.

6. Unplug electronic devices you’re not using.

Many plugged in electronic devices use up energy but if you havesuch devices that you rarely use like a coffee potand entertainment devices, unplugging them can save a significant amount of money on your energy bill.

7. Switch to a bank that respects you.

See what banks are available in your local area that offer full service online, doesn’t charge you ridiculous fees and has customer servicethat makes online banking easy and accessible.

8. Sign up for the customer rewards programs at the places you already shop.

Most customer rewards programs just result in free stuff like in many grocery storesthey’ll automatically find coupons for you reducing the cost of your bill with no effort at all for you.

9. Figure out your most cost-effective grocery store and shop there.

Figure out which grocery store available to you with best prices on the staples you normally buy all the time like milk, vegetables and fruit where you will be open to shop regularly.

10. Print coupons before going shopping

Make sure to go online and check if there are available coupons for staple items you buy at the grocery store, this can save a significant amount of money.

12. Check your cupboards and fridge before you hit the grocery store.

Spend time glancing in the fridge to see what you have and then make a quick list of the things that are missing, thiswill save your moneywithout influencing your buying choices one whit.

13. Keep a notebook on hand.

You’ll see all sorts of opportunities and hear many different ideas, keep a notebook with youand when these ideas present themselves write them down.