Here are some suggestions to expand on number (2), specifically as it applies to spending.

1) SHOP ONLINE
If you have to make a large purchase; for example, computer, water heater, etc. ALWAYS check out prices online. Don't be tempted to get it at the local store without taking a look at competing prices.

2) GIFTS
Always stay on the lookout to get future gifts at today's discounts. Right now it's far from December but, it's not too early to shop for the holidays. If you see a good sale on say, leather wallets, pick up a few as gifts. High quality gift, low cost.

3) AUTO REPAIRS
If you need a new part for your car check out the availability of that part at the local junkyard. I have repaired many vehicles with "pre-owned" parts with great success!

4) LEAKY FAUCET
If you have a leaking hot water faucet be sure to fix this immediately! It's truly money going down the drain. Not because of the water that's being wasted, but because of the cost to heat that water.

5) BALANCE YOUR ACCOUNTS
Always balance your checking account. This simple, okay, maybe not so simple, exercise is worth your time to ensure that you don't accidentally bounce any checks. Bounced check fees can cost around $35, not to mention potential late fees, etc.

6) CLOTHING NETWORK
If you have young children then you know how quickly they grow out of their clothes. We always pass our children's clothing to our friends whose kids are just a little younger. We also have friends that give us their kids clothes. This works so well!

7) INTERNET AUCTIONS
Buy stuff at eBay.com! You can save so much money, it's incredible. I just purchased a cordless phone, with caller ID (hands-free phone), for only $35 with shipping included. This phone would cost $100 at the store!

8) MATINEES
If you want to see a movie, do it during the day. Movies are so expensive! Even the matinee price is getting up there, but it's a big savings! It's also much less crowded.

9) HUNGRY SHOPPER
Always be sure to eat before going grocery shopping. I'm sure you know what I mean.

10) VACATIONS
When people think of a vacation they think of a far away tropical island. This of course means air fare, cruise fare, hotel accommodations, etc. But have explored all the sites in your vicinity? There maybe a lot to and see all within a 2-4 hour drive from your home. Stay a night at a Bed and Breakfast, cabin/cottage, or even a campground. Then drive to the next attraction. Why pay thousands when there may be something great to do just a few hours away? See my article, My family vacation for $32 per person, per day!

11) PACK A LUNCH
Maybe not everyday, but at least a few times a week. It may take a little more time in the morning, but with lunches ranging from $5-10 a pop, you'll save a lot and probably eat healthier meals.