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Several tips on saving your hard earned money are given below. Remember, it's not just about how much you make, it's also about how much you DON'T spend.

#1 Ride a bike or scooter instead of a car on solo trips around town.

#2 Buy a hybrid vehicle, not only will you save tons of money on gas, you might also qualify for federal tax credits.

#3 Start drinking water at restaurants and at home.

#4 Start clipping coupons and look out for sales at the grocery store.

#5 Buy food in bulk and store in a large freezer.

#6 Stop buying bottled water, just refill a reuable water bottle.

#7 Start packing your own lunch.

#8 Make your own cards and gifts.

#9 Stop throwing away damaged clothes. Replace missing buttons and put patches on kids jeans instead of throwing them away.

#10 Make an honest attempt at fixing broken household items in your house before calling a repairman.

#11 Sort your own change and exchange at your bank for bills for free. Coinstar and other companies take a huge percentage of your change when using their services.

#12 Grow your own fruits and vegetables.

#13 Start making your own wine and beer.

#14 Entertain at your house instead of going out all the time.

#15 Start cutting your own hair, or have your partner cut it for you.

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