. Save gas money. In the past five months gasoline prices have dropped 56%, from an average price of $4.11 to $1.80 a gallon. Also, combine multiple errand trips to one trip, and don't drive your big 4x4 SUV unless necessary.
. If a couple dines out four times in a month the expense is close to $300 in low-cost areas and $600 in higher-cost regions. Cut back on dinning-out to fewer times will save money.
. Get lower cost phone services. Cancel landline long distance service and use phone card or Skype. Reduce cable bill costs by choosing cheaper program package.
. Better insulate your home to reduce winter energy costs.
. Shop smart by doing comparative shopping online, by looking for coupon, by looking for free shipping or lower cost shipping, etc.
. Keep receipt for returning the merchandise, or to get the lower price if the store lower the price further.
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