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Other Money-saving Tips

Cut up those credit cards, and you'll be less tempted by impulse buying and online shopping.

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If you find you spend too much online, consider removing your credit card number from your online accounts. Then it will require a little extra effort every time you're making an impulse purchase, and you may think twice.

Establish a one-month grace period for purchases you're excited about. Write down what you want instead of buying it, and a month from now, see if you still want it.

Cut up your credit cards. Those companies make their money from interest paid by customers who can't pay off their statements each month. It's simple: If you can't pay your cards off, it means you're buying things you can't afford. Save up for the items you really want, and you won't have to hand over all your money just for the privilege of having things immediately. You'll value them more, and you'll have more money in hand for your next big purchase.

When it comes to gift giving, the gifts we remember most are the ones that made us feel the best. A gift of service -- whether it's an evening of babysitting, lawn care or boarding a loved one's pet -- costs nothing, and for the recipient, it means you really thought about their needs.

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