1: Shop only for sale items or generics.

2: Make your own mixes.

3: Line dry as much of your laundry as possible.

4: Turn off all of the lights when not in use.

5: Keep your vehicle maintained.

6: Walk if you can, instead of driving.

7: Making lunches at home

8: Use coupons

9: Shop at home first – if you need to buy something, see if you have it or a substitute at home.

10: Shop throughout the year for birthday and holiday gifts.

11: Make a weekly menu

12: Grow your own vegetables

13: Track all expenses

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