One thing I did was when I was keeping a checking account and register book was every time I wrote a check I would write the amount in the register rounding up to the next dollar. Like if I wrote a check for $10.50 I would enter it into the register as $11.00.
After a year I would correct the bank register to see how much money I actually had in the account, once I went a few years not checking the balance and found I had actually saved $700. So this is a really good method thou having an interest bearing savings account is a better way to go. But if you spend what you see, this might work instead.
Also if you improve your credit score you should periodically check existing accounts to see if you can get better deals.
1. Insurance companies, you can periodically shop around to see if there are better rates. Just remember that this will cause an inquiry on the credit report - it will be a soft hit but show up for 2 years.
2. Cable - Phone companies - if you see commercials for new customer rates you should go in and point out that you are a good customer and you want the same rate you see advertised for new customers. You might take the time to shop for new companies showing lower rates. But it also depends on what exact service you are wanting.
3. Credit Card companies, you can shop around for better rate cards, or ask existing credit cards to reduce current interest rates. If you are going for a new account this can result in a hard inquiry, if you are just asking existing creditors this should just be a periodic account review - soft hit.
4. Power Companies - consumers can request levelized billing plan where payments are distributed evenly over the course of the year and then at the end any extra is billed. If you monitor what was charged and what is owed, you may find you can pay more and lessen the amount that may be owed at the end of the year. This really comes in handy for months that you just can't meet the total bill requirement.
5. If you are low income, you might find utility assistance within your community. You should be able to contact the local Public Aid office, or contact your Chamber of Commerce office.
6. I found a good web site for assistance will medication costs: www.needymeds.com If you send in an application you might get reduced cost or better yet free medication sent to you.
7. I find making a budget plan helps out a lot you can list each creditor what is owed each month, what you income totals verses your expense totals are. You might be able to see where you can cut corners and save money.
8. Shopping - check out other local grocery stores in your area and look around. Make a list of all product you buy and what prices you noticed at each store and maybe make a trip to a few different ones to save. Tip: Just because a store take coupons does not mean you are saving if the store has high prices to begin with. So you got to watch out for that when using coupons.
Hope this helps