Well, It looks like I've ran out of ideas.  Just remember, always keep an eye on your wallet , and watch where every penny goes.  Adios Amigos!

Some more tips and tricks.

There will be a few more posts before I put all this together and make a book.  Here are some more ideas to get you to save money. 

1.  Always grocery shop on a full stomach. You will definitely spend more money if you haven't eaten any food for the entire day. 

2. When you shop for food, make sure to bring a list. If you start buying food on impulse that is not
on the list, it is very likely you will go beyond your budget. 

3.  If you cover your windows with plastic to keep out the cold in the winter, try to use a clear plastic. This way, you are not blocking out the sunlight which is needed to provide warmth during
the day.

4.  If you already have a text messaging plan on your mobile phone, and you mainly use that to
communicate, then you are already doing well to save money. 

5. Re-examine your house/auto insurance policy every year.  There may be a new competitor with
cheaper rates out there.  

6. If you invest in mutual funds, make sure the have a low management expense ratio (MER). 
At least .50%.   The smaller the fees, the more savings over the course of many years.

 7. Good to the last drop. "I cut open toothpaste tubes
-- there's always so much stuck inside!" one young person marveled.
(Welcome to the world of the truly frugal.  We have much to teach you.)

8.  Check your tire pressure
Under-inflated tires means you are not getting the fuel
efficiency from your vehicle that you should. Keep the proper
air pressure in your vehicle at all times to improve your gas
mileage and also to ensure your safety

9. Tea-totaller?  

If you drink tea, try using the same tea bag twice.  You will get the same amount of flavor, for half
the money spent on tea bags.

Cheapo Checklist

1.   Save your loose change, and always check under your couches.  You can put away at least $10 a

month this way.

2.   Spend according to your income.  If you make $15 an hour, then it may take 3 or 4 hours
work to buy yourself a new pair of shoes.  If it takes you an entire 8 hour shift to buy a pair of new
shoes, then it may or may not be worth it. 

3. Resist the urge to go to restaurants and have take-out food on a regular basis.  Home cooked
meals are always cheaper. 

4.  E-mails are cheaper than regular mail, and E-bills are a quicker, more efficient way to pay
your bills on time and the service is usually free through major banks.  Also, Voice-over-IP
software, such as Skype, or Ventrilo are a cheaper alternative than a phone if you have a headset
with a built in microphone. 

5.  Shop around for deals on long distance phone plans, and http://koodomobile.com/, for cheaper
mobile phone rates. 

6.  Shop around for cheaper insurance plans,  and see which insurance policy provides the
most value for your money.  

7. Re-finance your mortgage to lower interest charges, and pay off your house or property
in less time than originally planned. 

8.  Cheaper local entertainment.  Instead of going to a pro sports game,  buy tickets for a
your local, junior sports franchise.  At least this way you have a preview of future, budding
sports stars. 

9.  Weather-proof your home. Covering and sealing your windows with sheets of see-through plastic
will keep out the cold drafts and let the sun in.  Caulking cracks and holes in your walls will also prevent drafts and heat from escaping. 

10.  If you have a scratched end table or coffee table, don't toss it in the garbage, wrap it with linen
or wallpaper.  There are more choices of wallpaper these days;  If you are not interested in wall paper, trying laying down a layer of grout on the table and arranging broken bathroom tiles on the table in fresco-like fashion. 


Well amigos,  I hope this helps!