1.Join online savings groups. There are hundreds of forums online that connect you with other people wanting to save money. They have links to free printable coupons, sales circulars, and consumer insight that save you time. Most online groups to not charge for a free sharing of information among members. Often you can connect with members who shop the same stores that you shop to find unadvertised specials.

2.Start clipping coupons. Yes, coupons are back. Manufacturers are issuing more coupons as the economy declines. They want to keep consumers using their products and keep their brands top of mind. You won't find your grandma's coupons today. Almost every coupon issued is good for a buck. A fist full of $1 coupons can save you an easy $30 at the grocery store this week.

3.Use store coupons. Many clothing store chains have special coupons that are good for slow store hours. Many are for early morning or late evenings during weekend hours so that working consumers can take advantage of the discounts as well. Check the circular rack when entering any store. They often stock their printed specials, and any special in store coupons at the front of the store.

4.Dont buy it! If you think you want something, give yourself time to decide if you have to have it or not. If you wait 24 hours and still want an item, then buy it. Chances are you will forget all about that cute pink blouse as the day passes.

5.Dont eat out. You can save from $50-$100 per week by packing your lunch or fixing dinner at home. There are some excellent websites listing free budget meals. If you must eat out, take a coupon. Last week, Sunday papers carried more than 20 lunch coupons alone for frugal employees.

6.Use online bill paying to save money on postage. Almost all banks and utilities have free online payment options.

7.Start canceling any of the subscriptions you no longer use. We often get into habits and don't realize that we are still spending money on magazines, extra television channels or gym memberships.

8.Review your cellular telephone plan. Most companies have an offer to switch providers that saves you money. IF you havent switched in awhile, you could be saving up to $30 per month by reviewing your existing cell phone plan.

9.Park the car. If you really dont have to make an extra trip-DONT. We are conditioned to jumping in the car and running errands. Group your shopping trips and errands together all on one day. It will save both time and money.

10.Keep a list of all the items or services over $10 you need to buy this week. Check the list twice, if you really need it, check online to see if the manufacturer is offering any type of discount or coupon before purchasing. Most consumers do not stop to think about a $10 purchase these days. But these add up quickly.