[Thrifty Ray]

I have learned how to use Excel enough to make all of my forms like groceries, budget, to-do, etc. I do not buy premade calendars but make my own...and customize accordingly.

Banks will often give you a free pen at each visit for the asking.
They also might have free calendars. key chains, note pads, etc...just ask next time you're there!

Also, don't pass up free sample offers. I recently had accumulated enough to do my laudry, my shower and my doggie treats all free one day!

Also- visit your local bank and credit union websites...even if you aren't a customer or member. They often have promotions and contests with freebies (cookies, hot dogs, give aways, seminars) provided to the community just for name recognition and branding.