Avoid over-packaged, over-processed and highly advertised foods. The closer a food is to its natural state, the less it tends to cost

Cook once, eat twice: Double whatever you're making and freeze the excess for a later meal

Bring lunches and snacks to work. You might be amazed how much you’re spending at the vending machine!

Avoid repair bills by maintaining your vehicles properly with regular oil and filter changes

Raise the deductibles on your auto-insurance policy, and be sure you’re getting all the discounts you deserve, such as good-driver, good-student and multiple-car discounts

Turn off lights, TVs, computers and other electronics when not in use

Install a programmable thermostat so your home is heated or cooled only when you're actually there.

Use shades, blinds and drapes to regulate your home temperature: Keep them open in the winter to let in light and drawn in the summer to block the sun's rays.

Use a clothesline and use your dryer just to soften air-dried clothes.

Wash only full loads of dishes or clothes.

Investigate whether bundled service (phone, high-speed Internet and television) might save you money.

Raise your deductibles on your homeowner's or renter's insurance.

Eliminate some premium channels from your cable or satellite TV service.

Seek a cheaper long-distance carrier (check out sites like SaveonPhone.com or LowerMyBills.com ) or switch to Internet calling if you have high-speed service.

Cancel your land line in favor of cell service (or vice versa).