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  1. Just say, “No.” Delay purchases to get beyond the “heat of the moment.”
  2. Tell your kids that your whole family is on a budget.
  3. Stop eating out.
  4. Plan grocery trips.
  5. Use an envelope system.
  6. Buy your casual clothes at consignment stores.
  7. Make coffee at home.
  8. Eliminate your cable bill.
  9. Check out books and movies from the library.
  10. Get a part-time job.
  11. Ask for a raise at your present job.
  12. Downgrade your car to one with no monthly payment.
  13. Cut up your credit cards.
  14. Postpone expensive hobbies and vacations.
  15. Drop the gym and pool memberships. Take a walk.
  16. Use coupons.
  17. Start a budget and assign a job to every dollar coming in.
  18. Spend time helping a widow or orphan.
  19. Ignore broke friends who boast about their new purchase.