01. Go through your closet and select 10 nice itemsyou haven’t worn in a year and bring them to the resaleshop.

05. Evaluate your eating out habits. How can you pair itdown? Going out twice a week – change it to once. Goingout three times a week – change it to one. Minimize.

06. Bring your lunch. It’s so less expensive and muchhealthier for you. Just be sure you bring yummy foodthat makes you happy. Then you won’t feel like you’remissing out.

07. Does someone clean your house? Cut that in halffor a few months. Maybe just once a month, or onceevery other month.

08. If shopping is your thing, then stay out of the stores.Wander around Good Will or Salvation Army instead.You can find a great pair of jeans or a jacket at minimalexpense.

09. Sign up for daily notifications of your bank balance.You need to keep those numbers in front of youevery day.

11. Tell those you hang-out with that you are trying tominimize your spending. Ask them to honor your needs.Ask if they have any helpful tips.

12. Got dresses or skirts that you just don’t wearanymore but too good to donate? Swap with a friendinstead. You will have a whole new wardrobe.

10. Sign up for notifications on your credit card balancesand charges. You need to keep those numbers in frontof you every day.

04. Stop the gym membership if you haven’t been therewithin the last month.

03. Review your apps and stop paying for any with areoccurring monthly payment. Especially those youdon’t use any more.

02. Don’t shop while in the resale shop.

13. Have a once a week potluck with friends. It’s aneasy and inexpensive way to connect.

14. Does your neighbor need a dog-walker? Babysitter?Someone to pick their kids up from school? A Tutor? Seehow you can fill the gap and pick up some quick cash.

15. Stop using your credit cards. Put them away if it willhelp – but don’t rely on them to make purchases.

16. Evaluate lowering the interest rate on your home.Talk to an expert because there are fees – which maynot make it worth it.

17. Evaluate lowering the interest rate on your car loan.Talk to an expert because there are fees – which may notmake it worth it.

18. Cancel subscriptions you are not using. Magazines,food delivery, daily meditations sent to your inbox– stopthem all for a while and see if you really need them.

19. Track your expenses so you know your numbers. Doit in a way that makes it easy for you. Write it in a notepad,put it on your phone, get a free app, or do a weeklyassessment. Just do it!

20. I realize I had 5 bicycles in my garage – and theywere all mine. I sold 4 and kept one. What do you havemultiples of? Sell them.

21. Make a plan. Plan your dinners, your grocery bill,lunches, weekly events. Know what’s ahead of youso you can budget accordingly.

22. Mani / pedis? Cut those expenses in half by stretchingout from weekly to every other week. Or only for specialoccasions.

23. Evaluate your tuition costs. Are you paying too much?Are there other schools, just as good, but without the hightuition costs? Or, can you apply for a grant? Or be aTeacher’s Assistant?

24. Why drive when you can walk. Don’t even jump onthe bus. Take the time to get in some healthy steps andsave a few bucks at the same time.

50 Things you can do now tominimize your expenses

25. Is generic just as good? Most times yes – and oftenless pricey. Always compare when you have the choiceto go generic.

26. The coffee questions. If it’s important and startsyour day off right – go for it. If it’s not that importantthen don’t get pulled into the hype.

27. Your car. Are you paying too much for it? Maybeyou can downsize or sell it and take publictransportation. This alone will save you a bundle.

28. Your living arrangement. Is your rent too high?Is it time to move or get a roommate?

29. Is it time to downsize your house? Consider thetaxes, insurance, interest rates and maintenance ofyour home. Here’s where you can really save.

30. Meet with your insurance agent to review yourhome and auto policies – you could be overpaying.

31. Who knew watching television would cost us somuch? Do you need it? Have you investigated cheaperalternatives? Streaming perhaps?

32. Personally, I think Netflix is the best thing going.Forget the exorbitant costs of going to the movies.Invest in a great snuggly blanket and Netflix.

33. Thinking of getting a pet? Don’t do it. If you are ata point where you want to save money, know that petsare expensive. Consider this only when you are flushwith cash.34. Look at where you bank. Are they charging you fees?If so, move on. There are so many banks that don’t chargefees or require a minimum balances – which can reallybreak your budget. Look here for some quick savings.

35. There are so many ways to earn extra cash thesedays. Even if you commit to one day a week to Uber,waitress, bartend, tutor – you name it.

36. Ask for a raise. When was the last time you hada conversation with your boss about all the value youbring? Is it time to have that conversation?

37. Eat at home. Take a cooking class if you mustbut learn how easy it is to cook a healthy meal. Canyou say crockpot? Splurge when you want, but don’tmake it a thing.

38. Look over your telephone bill. What are the upsand extras you can do without?

39. Do you smoke? Stop. Just Stop! For so manyreasons, but for now it’s killing your budget (and you).

40. Evaluate your outstanding debt. See if you canconsolidate multiple balances into a lower monthly payment.

41. Negotiate everything. Call your cable carrier andnegotiate your bill. Do the same with your credit cardcompanies. Everything is negotiable – just ask.

42. Can you refinance your student loan? Take the timeto do some research. This could save you a lot.

43. When you do need to shop, look for items that areon sale. Use coupons or even apps that provide discounts.Don’t give away your hard-earned money!

44. Reevaluate your health insurance payments. If yourhealthy you may consider a larger deductible for a lowermonthly payment. Work with an expert to make theright decision.

45. Mow your own lawn or till your own garden to saveon expenses. Or, grab your lawn mower and mow a fewlawns for additional income!

46. Read about living with less. There are books,podcasts and TV shows that give tips and reasoningfor not living beyond your means.

47. What’s your hair care budget? Ask around forwhat others pay. We all love our hairstylist – but atwhat costs?

48. Treat yo’self. Put some money away on those thingsthat make you happy. Maybe a massage, or a play orbrunch. Be serious about saving where you can, butdon’t drag yourself down.

49. Dry cleaning. Is it necessary? Can you launderyour clothes and perhaps find a good presser?

50. Keep close what is most important – the rest isjust stuff.