Calculate as part of the cost of an item the membership fee or the time required to serve in some co-op groups. If you're a member of an automobile association, over-55 group, or carry certain credit cards, you are often eligible for discounts. You have to ask in order to get your discount. Be willing to barter. Instead of cash, some people will barter with you for services or products.
Some communities have barter clubs.
Learn to sacrifice. You don't need everything that you see or think about. What you save can quickly add up. This sacrifice will not only develop character, but will also enhance your appreciation of your luxuries when you finally obtain them. C. Gerard LePre has been an insurance executive and personal finance planner for more than 20 years.