Hi. This is my first time posting here. As an aside I would like to commend this forum for the wealth of knowledge imparted! So far I've only 'lurked' on this forum. However, this topic is right up my alley so to speak. Firstly, grocery shopping. Look for sales when purchasing staples. If possible buy them in bulk(I'm referring to nonperishable items). On any given day, there are specials on perishable items such as meat, fish, butter, etc, you get the idea. For those who can, go to the grocery store and purchase these items on a daily basis . For those who have to drive, when you see items marked down to basement bargain prices such as toilet paper, canned goods and boxed food items grab them! . Luckily, I live within walking distance of a grocery store. Stalk up if you can. Buy day old bread. There are 'generic' brand of food items that are considerably cheaper than the 'name' brands and just as good if not better sort of akin to software in this respect. If you come across coupons for restaurants or fast foods, use them. When purchasing an item or items, do your research in regards to pricing, this would apply to clothing as well. That way you have an idea as to what constitutes a reasonable price and you will know when you are getting a good deal when sales occur. Comparison shop also. If you have to wait for a major sale to purchase something do so. Things such as furniture, appliances, entertainment systems for example. Try purchasing refurbished items like phones and appliances. Many of the chain clothing stores are cyclical in regards to their sales. They bring in new products on a seasonal basis some cycle their products on a much shorter basis. If you have your eye on a particular piece of clothing, go back in a month and a half and in most stores they will be on sale. Patronize small businesses for products and services. You can haggle over price and if the proprietors get to know you as a loyal customers they will lower the cost of their items or services or in the very least give you a good deal. This also aids your local community. I have been given steaks, roasts and poultry for free from the butcher I patronized as a sort of thank you for being a loyal customer. Try the second hand clothing store, I've have friends who found amazing clothes there I kid you not! If you take Public Transit purchase a monthly pass and use it! Don't use it just to go back and forth to work. Also, on any given month, there are, If you live in an urban centre free venues for music, book fares and the like. The Library may also have movie clubs and such. One axiom I hold dear, 'Don't look at what you can't afford'. This is particularly true in these times. I could go on and on but you get the drift. If needs be, I am capable of squeezing a dime out of a nickel! Regards.