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Drink Cheaper Drinks

If you can break your addiction to fancy coffee, the free office coffee can be a money-saver Unwilling to give up out-of-office coffee breaks, some thrifty consumers switch to a cheaper drink at their local Starbucks or other coffee shop. For alcoholic drinks, quality wines, beers, and liquor can be found at lower prices with a little research.

Office coffee can save you a lot of money over time if you can break your obsession with specialty brands. office coffee will save you a lot of money over time. If you're not willing to give up what's on offer, some budget shoppers are turning to the cheaper local Starbucks or other coffee shops. As for alcohol, you can find lower-priced, good-quality wines, beers, and liquors with a little less research.

9. Examine Your Phone Service

Do you need both a landline and a mobile phone? If you have a cell phone, do you need long- distance service on your home phone? If you have a cell phone, do you need long-range service on your home phone? Canceling one line could mean one less bill every month. Many people have phone packages that are too expensive for their needs, so read your bill carefully. Many people have phone packages that are too expensive for their needs, so read your bill carefully.

Do you need both a landline and a mobile phone? If you have a cell phone, do you need one of those long-service home phones? Eliminating one phone means one less bill to pay each month. Many people have sets of phones that are more expensive than they need, so double-check your bill.

10. Stop Paying for Premium Cable

Some penny-pinchers cancel cable service entirely to save $100 or more each month. Some penny-pinchers cancel cable service entirely to save $100 or more each month. Others lower their bills by cutting out premium movie channels.

Some penny-pinchers simply cut the line to save $100 a month. Others lower their bills by cutting out premium movie channels.

11. Drive Less; Consolidate Trips

Think before jumping in the car. By planning and running many errands on the same car trip, you cut your fuel usage. By planning and running many errands on the same car trip, you cut your fuel usage. Rather than driving, consider using public transportation, or walk, bike, or rollerblade somewhere nearby.

12. Use Warehouse Stores Wisely

Warehouse stores like Costco or Wal-Mart's Sam's Club can be great places to get deals, but they can also encourage over-spending. " Just make sure you go with a list and only buy those things that you are actually going to consume," financial planner Frank Boucher says. "It makes no sense to get a 'bargain' on a product. "Just make sure you go with a list and only buy those things that you are actually going to consume," financial planner Frank Boucher says. "It makes no sense to get a 'bargain' on a bulk item if you are going to throw half of it away."

13. Lay Down the Law with Your Free-Spending Friends

It can be hard to keep up with wealthier or less wealthy people. Some financial planners advise cash-strapped clients to seek out social companions with similar budgets. Some financial planners advise cash-strapped clients to seek out social companions with similar budgets. However, if you're honest about your spending limits, true friends should be willing to adjust their plans by, for example, choosing a less pricey restaurant. However, if you're honest about your spending limits, true friends should be willing to adjust their plans by, for example, choosing a less pricey restaurant.

14. Find Free Entertainment

Movie rentals, cable TV packages, book purchases, concert tickets-it can all add up. Depending on where you live, it might also be possible to find free concerts, performances, and readings.

14. Depending on where you live, it might also be possible to find free concerts, performances, and readings.