hands counting money
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local cultural spots and historic venues over other activities that cost money. If you’re dating, have picnics in the park or cook your sweetie dinner at home, rather than the traditional movie and restaurant thing. If you’re a partier, get to the club early to avoid paying a cover charge. Better yet, go to someone’s house party where there’s no price for admission, except maybe an inexpensive bottle wine if you want to bring one to your host. The idea is to select fun diversions that won’t bust your budget.

Notice that if you follow all these tips, you can save $237 a month – in addition to the many thousands of dollars saved annually using the strategies I recommended earlier. That’s a nice chunk of change to set aside for the future, isn’t it?