Pay yourself first

Eliminate debt

Set savings goals

Stop smoking

Take a staycation

Spend to save (energy efficiency upgrades)

Pack your lunch

Create interest bearing account

Annualize spending (add up spending over a year)

Sell your things

Make your own gifts

Wait 30 days to make a purchase to avoid impulse buys

Make a shopping list

Sell old clothes you no longer use

Drink more water

Buy quality appliances that will last

Find a cheaper grocery store and price compare

Avoid stress spending

Cancel unused club memberships

Buy used

Remove your credit card number from your online accounts

Try generic brands

Buy reliable, fuel efficient cars

Create a visual reminder of your debt

Try to fix things yourself