Tips on Saving Money

I've got some good money saving tips to share.  These are not all my ideas.  Some came from AICPA's website, some from an insurance company, and some are mine.  If you use some of these, you might be surprised how quickly you save some money.

Raise your insurance deductibles.
Take public transportation a couple of times a week, or ride a motorcycle or bike to work.
Take your lunch from home, rather than eating at a restaurant.
Bring soda from home.
Get a water filter at home, and refill a reusable water bottle with your own filtered water, and take it to work, rather than buying bottled water.
Make your own coffee instead of buying it by the cup at coffee shops and convenience stores.
Don't pay ATM fees.  Use only ATM machines that are free.  I always feel safer, too, using the ATMs at my own bank.
Use a credit card that pays you points for every dollar you spend, and do pay your credit card bill in full every month.  Their interest rates are astronomical.
Use the library, instead of buying books, music, and movies, or renting movies.
Contribute to your employer's 401k, to get the full match that the employer provides.  Even if no match, contribute as much as you can to your 401k. 
Pay your bills online, eliminating postage, check fees, and paying by phone fees.
Do not renew magazine subscriptions until your subscriptions expire.  Lots of times the magazine company will give you a huge discount to get you back.
Try to spend 5% less on things you buy regularly, such as groceries. 
Change the frequency of how often you get manicures, pedicures, haircuts, Starbucks, and lunches out.
Have money deducted automatically from your pay check and sent to a savings or brokerage account. 

Another thing that has worked amazingly for me:  The more I tithe at church, the more God blesses me.  When I give to Him, he blesses me more.

God bless, and save lots!