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Originally Posted by PRICEPLUS
1) Use it up!
2) Wear it out!
3) Make due!
4) Do without!
With the exception of a house, and possibly a car, always pay cash or do without until you can pay cash.
Simplify! Simplify! Simplify! -Thoreau
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This is the best advice.
I would also ask if the reason for wanting to save money was so that the person could spend money. I've worked with quite a few people who say they want to save, but only because they like having STUFF. IMHO saving to spend never really balances itself out...