1. Establish a budget = Seeing how much comes in and how much goes out can help you see where you can save.

2. Spend less

Make phone calls or use electricity at off-peak times.

Stop newspaper and magazine subscriptions.

Buy used items or trade is good.

Borrow is not bad at all.

Clip coupons

Use generic products

If you can live without cable then stop the subscription. I don’t have cable and I get 3 channel in my TV.

3. Do it Yourself!

Use step by step guides, books or youtube videos for repairs.

If you really require a contractor make sure you get several quotes.