Avoid Frivolous Spending

Easier said than done, right? Avoiding frivolous spending is probably the number one way to save some money but that is one of the toughest things to do. If you have money, why not spend it? Because you don't need another CD or DVD and you definitely don’t need another pair of shoes you probably will never wear in the first place. If you find it nearly impossible to avoid frivolous spending like so many people do, work on leaving your cash and cards at home. Take just as much money as you need to buy the things that you went out for in the first place and avoid wandering around the store. Who cares if there is a sale? That is what they want you to do—break the bank for them. Don't give the big stores the pleasure and put that money in the bank!