Focus on needs, cut wants. Plan meals, use coupons, buy in bulk.

Track spending, create categories. Set goals, review regularly, adjust as needed.

Automate savings, negotiate bills. Find deals, use cash-back apps, avoid debt.

Cook at home, pack lunch. Limit eating out, reduce food waste, plan meals.

Carpool, bike, walk. Use public transport, maintain car, compare insurance rates.

Cancel unused subscriptions. Shop around, negotiate rates, cut cable, use free services.