· Use a programmable thermostat. A programmable thermostat can help you save energy by automatically adjusting the temperature of your home when you are not there.

· Insulate your home. Proper insulation can help keep your home warm in the winter and cool in the summer, which can save you money on your energy bills.

· Shop secondhand. Buying secondhand items can save you a lot of money and is often a more environmentally friendly option.

· Walk or bike instead of driving. Walking or biking is a cheap and healthy way to get around, and it can also help you save money on gas.

· Cut back on your phone plan. If you are paying for more data or minutes than you are using, consider downgrading your phone plan.

· Use a prepaid phone plan. Prepaid phone plans can be a cheaper alternative to traditional phone plans, especially if you don't use your phone a lot.

· Buy generic brands. Generic brands are often just as good as name brands, but they are usually cheaper.

· Don't pay for extended warranties. Extended warranties are often not worth the cost and may not provide much additional protection.

· Use cashback credit cards. If you pay your balance off in full every month, cashback credit cards can save you money on your purchases.

· Shop around for car insurance. Car insurance rates can vary widely, so it's a good idea to shop around and compare quotes from different companies.