Tips That Save You Money -- No Matter What

 Here goes.                 (Do we use these? You bet.)

1. Don’t spend more than you earn. (This is REALLY important.)
2. Get a second job — even if it’s a small one. Save the income from that job. Or pay your expenses from that job — and save the money from the first one. (Jay Leno is a good example.)
3. 
4. Only buy the clothes you absolutely need — and try to get those either from the thrift shop (they still need to be good quality), or on sale.
5. Figure out what you can spend for food — and stick to it. (Or try to come up a couple of bucks less every week. Save that money.)
6. Always check the clearance and marked-down bins at the grocery store.
7. What’s on sale? That’s what you’re going to eat this week.
8. At least once a month, take a week where you don’t go in any shops at all — including groceries.
9. Make your own coffee. Invest in a good travel mug that keeps it hot.
10. Get a clear savings bank. Stash your extra cash in there, along with change. When it’s full, put it in a separate bank account from your regular one.
11. Do NOT use money from that separate account, unless you absolutely have to.          
12.        It adds up!