Following the credit card thread, I've learned that some people use credit card points and miles to pay for hotels, that seems pretty interesting.
Children toys being second hands comes to mind too.
What are your ideas?
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Pay yourself first.
You're sitting down on payday, paying your bills.
Put a certain percentage in your savings account FIRST, then pay your bills.
Hi OP. Keeping your spending from getting out of control is important. But most people, especially in today economy, don’t have a spending problem, they have an income problem. There’s a finite limit to the ability to cut expenses. Once the “rice and beans” answers you’ve already received are implemented the only viable strategy is to find ways to increase income.