Spend less on gifts. Be creative rather than extravagant with friends and family. Turn down the thermostat in winter, and turn off the air conditioner in summer. Put on a sweater in winter and use a fan in the summer to heat and cool your body inexpensively. Practice utility control.
Little economies add up to big savings over the course of a year.
Make long-distance calls on weekends, early in the morning and late at night. Or better yet, e-mail or write letters. Save food costs. Buy on sale, clip coupons, buy in bulk, purchase generic brands, eat less expensive cuts of meat, and don't frequent convenience stores. Ride public transportation to work, or car pool with co-workers.