Take look at the Cheapskates Club. Hold up for one moment. Before you go commit to yourself to change just one thing in your house hold spending budget when you begin reading the tips. I will bet you can save $100 a year within seconds. I did. To join Cheapskates Club New Zealand is just $30 (less actually) a year. You get a monthly e-zine plus access to thousands of money saving idea. I think it is a pretty good deal.