Gift giving doesn't have to be expensive. Take some time to think about ways you can give that special someone a homemade gift from the heart. Cookies, candles, soap, and scrapbooks are just a few ideas to get you started. I did this!

 Spending the day with friends or family just walking around the mall window shopping and people watching can be a lot of fun. I did this!

For two great benefits in one, rotate potluck nights with friends and family instead of going out to eat at restaurants. You'll get to spend more quality time with them and save a few extra dollars each week. I did this!

It’s easy to fall off your self-imposed budget when ridiculous savings stare you in the face at the shops. So you grab a cheap offer here, and another one there and soon enough you would have spent an extra $100. Avoid this scenario by making a shopping list and sticking to it! 
  I did this!

Your are probably already using your cell phone for long distance.  Do you really need the home phone for local?   If you’re comfortable relying on a cell phone, there’s no reason to keep a land line. If you do, consider reducing your service to the minimum and only use the phone in an emergency. I did this!