People who know me will usually agree - I’m cheap! Not in cheapskate sort of way (sticking friends with bar tabs and such), but just when it comes to frivolous things. Many people today live paycheck to paycheck, but waste a ton of money along the way. Fortunately, Wife and I are no longer in that boat, but we’ve been there and done that. And it sucks! Albeit, it does build some character.

Here is a great article listing 101 ways to save $1 a week, and it has some great money saving tips. The great thing about saving money is that many times it does not even involve being inconvenienced. It just means not being lazy or wasteful. Whether it is turning off lights when you leave a room, shutting off the computer, or turning of a television when you leave the room, these are easy and simple things that require zero effort and will save you money. Hell, we have remote controls so we do not have to get up and walk six feet to the television or the switch for the ceiling fan. Use the damn remote! Some ideas require more effort, such as cooking at home versus eating out, but they also reap the biggest savings. And remember, before you charge it, ask yourself is it something you can SURVIVE without? Sure it might not be easy, but saving money and your peace of mind from worrying about bills, is sure worth the extra effort. Plus, do not even get me started on being a nation of debtors or the pending social security crisis / lack of retirement savings by the “Me generation” and “generation X” (I’m right in between).