Anytime you have the opportunity to help others is less time you have worrying about what you don’t have or […]

Plan gift-giving well in advance. That will give you time to decide on the most thoughtful gifts, which usually are

Take fewer cab rides. Using public transit instead of cabs can save you $5-10 per trip or more. If you’re

Raise the deductibles on auto and homeowners’ insurance. Being willing to pay $500-1,000 on a claim, rather than only $100-250,

Go for a walk or a jog each evening, and practice stretching and some light muscle exercise at home. These

Get rid of cable TV or switch to basic cable.

Turn off your water when you’re brushing your teeth, shampooing, or shaving.

Walk when you can. You’ll be healthier, too.

Plan a weekly soup night to use up leftovers. Wasted food is wasted money.

Vacation in the off-season.

Give up unhealthy habits, like smoking. You’ll save the money you were spending on cigarettes, and you’ll be healthier, too!

Before you even think about putting out money for a textbook, don’t you think someone else on campus had to

Although  it’s not as fun, but getting things you need saves you from spending the cash.

Ladies, how ‘bout forego the salon nails for the year. Instead make it a girl’s night in and do each

Recycle old meals. Don’t just keep them, make a meal from them. Monday’s Casserole and Tuesday’s Roast can become Wednesday’s

Compact fluorescent light bulbs use only a fraction of the electricity that regular incandescent bulbs use. Plus they last much,

Paper napkins, paper towels and disposable diapers are easy and convenient, but cloth can be washed and used again. Use

Close shades, blinds or drapes during the day to keep light and heat from coming in through the windows. Direct

Look for frequent shopper deals on gas. Some grocery stores offer 3 cents off per gallon with a frequent shopper

A vehicle that gets 30 MPG will cost you $930 less to fuel each year than one that gets 20

The $2 a day you could well save by buying a coffee rather than a cappucino or latte would allow

It pays to practice preventative dental care, since a good cleaning routine helps prevent fillings, root canals, and dental crowns,

It’s much easier said than done, but smokers, you’re burning up a gold mine. Smoking a pack a day costs

Avoid fashion trends. Don’t spend a ton of money on an item that you won’t want to wear next month.

Go out for lunch instead of dinner. Most restaurants are cheaper at lunchtime. When you decide to treat yourself, go