Cook at home often: If both the husband and wife work, this is likely to be very difficult. Start out with the habit of cooking at home once a week and slowly increase the frequency until you find a balance between saving money and getting stressed out.

Make your own coffee: Everyone seems to have heard of the latte factor. Even though the author may have overestimated the savings from skipping a latte at Starbucks, don’t underestimate the ding it puts in your pocket in the long run. You don’t have to entirely ban drinking coffee, but skip it as often as possible unless you make it at home.

Brown bag lunch at least a few days a week: Lunch times are great opportunities to network and make connections that could improve your career growth. So unless there is a common eating area for brown baggers, you may choose to limit brown bagging lunch to three days each week. Find a balance between saving some money and making the connection. In my case, I take my lunch with me 2-3 times a week and eat out the rest of the time.

Make a list before going shopping: They call it impulse buying for a reason. Humans simply have a very tough time resisting the temptation to purchase extras while shopping. Without a list you will buy items that you simply do not need. Even worse is when your forget to purchase the actual item you came to the store for in the first place. If you plan on cooking at home, pre-plan a rough menu and make a list before you go grocery shopping. Getting all that you need in one trip can help avoid another unnecessary trip and temptation.

Go grocery shopping while you are in a hurry: Maybe you need to go out in a couple of hours. Or your favorite show is going to be on TV after a couple of hours. Try to squeeze in the grocery trip in that intermediate time. Armed with your grocery list, you should be in-and-out very quickly with little time for meandering and getting tempted to buy things you don’t need.

Watch out for expiration dates on perishable goods: This one seems intuitive when you read it, but I am surprised at how many people do not pay attention to expiry dates. No point getting a gallon of milk if it is going to turn sour with a couple of days. Same goes for meat, eggs, yogurt, spreads, frozen items, deli/bakery items etc. Some people say you can use a few items a few days after expiry – but I personally value my health more than money and would rather avoid buying such items in the first place.

Buy in bulk whenever possible: When it comes to non-perishable items, buy in bulk whenever you find something on sale. The items I usually stock up on are, cereals, tinned goods, rice, beans, pasta, coke, toothpaste, body wash, shampoo, toilet paper etc. For such items, shopping at warehouse stores like Costco, Sam’s Club etc can save you quite a bit of money, provided you stick strictly to your shopping list when you shop at these places.

Buy generic products whenever possible:

Use grocery store bags to line trash cans:

Consolidate and pay off debt as soon as possible:

Pay your bills on time and avoid late fees:

Be aware of your bank balance and avoid over draft fees:

Avoid ATM fees:

Avoid credit cards with annual fee:

Disconnect land line if possible:

Instead of buying books, borrow books from the library:

If you have to buy books, check if you can buy it used:

Price check before buying anything expensive:

Avoid impulse buying:

Bottle your own water:

Avoid the vending machines:

Keep your car as long as possible:

Do regular scheduled maintenance on your vehicles:

Avoid buying a new car:

Ride your bike or carpool whenever possible:

If you watch a lot of DVDs, get an online DVD store membership:

If you like watching movies at the theater, go before 6:00 pm:

Regulate your electric use.:

Plan vacations ahead of time:

Finally, keep distance from lavish, high-roller friends:

This list has been severely abridged. To read the full list and full descriptions, view the original post at it’s source:

30 Easy Ways to Save Money (and No, you are not doing them all!) (DumbLittleMan)