There are all sorts of ways to save money here and there, by checking grocery ads every week and buying the specials, using coupons, checking life insurance rates and other insurance rates as well to get the lowest rate available, etc.  Also, keeping the thermostat set a couple of degrees lower in the winter and wearing a sweater in the house is another way.  I read recently where a lot of people aren’t eating out as much anymore and instead they are “dusting off their cookbooks” and eating at home.  That definitely saves money.  Saving money in several different areas does add up over time!