[boefixepa]

-Take over your escrow account on your home loan and earn the interest.
-Change over light bulds to the new energy efficant ones as they old ones burn out.
-Take the dog(s) out to the park to play each day instead of having a gym membership
-Go to trade schools for things like hair cuts and massages
-Pay all your bills on line just before they are due - someone already said this...but I really like it...I just set it up and I don't have to worry. I don't buy stamps any more.
-Use reward CC to pay for everything...not only will you earn the discount mentioned above, but you keep the $$ in your interest bearing account for another month and earn interest there too, plus you earn points for free things too...like gift certificates that make great gifts.
-Check out books from the library rather than buying them at the book store.
-Take up cooking as a hobby and get really good at it so you like your cooking better than going out!
-Mow your own lawn instead of paying someone to do it.
-If you don't have a budget...make one...track your spending, just knowing where all your money is going helps you to reconsider many purchases.
-Read a few books to motivate you to want to find ways to save.
-Reduce, reuse, recycle - This applies to sooooo many things
-Evaluate the real reason behind what you purchase --- many are emotional and really just expensive therepy.
-Buy generic instead of name brand.
-Buy bulk