Whether you are focusing on eliminating debt or saving more for college and retirement, the key to your success may very well be your ability to reduce your spending. Once you have created and refined your budget, the next step is to identify ways to save money, not only on expensive items but also on everyday purchases. In many cases, it may even involve a change in your lifestyle (such as quitting smoking).

The remainder of this page contains links to various websites or articles related to saving money on your expenditures.

• Improve energy efficiency in the home
• Compact, fluorescent bulbs
• Save energy, save money
• Nine ways to save on seasonal items
• Flat-panel TV prices plummet
• 10 ways to cut your medical bills
• Lower 'scorching' winter heat bills
• 5 favorite sites for online coupons
• Cheaper gadgets in vogue this holiday (2008)
• The big list: 1,019 different ways to save money
• Cut your heating bills by 30%
• How to save $8,919.45 a year
• 5 things it's cheaper to do yourself
• Economic shock gives rise to coupon cutting
• Travel search made easy at bookingbuddy.com (enter information once on the left, then click the various logos on the right)
• 18 ways to beat the rising cost of living
• Knock $4,000 off your utility bill
• Beat high prices (learn how to save thousands)
• Time it right and save big on vacation travel
• Cut your spending by $500 per month
• How to keep your cool (and cut down on A/C use)
• It's a buyer's market. Haggle!
• Back-to-school bargain hunting
• 75 tips to survive a down economy
• 4 gas-saving deals that rarely pay off
• 91 ways to save on almost anything
• Five ways to fly for cheap
• Cut your grocery bill in half (using the Web)
• Smart money-saving tips you need now (links to lots of articles)
• 25 cheap ways to keep your house cooler
• How to save $400 a month on groceries
• 12 new necesities that drain your cash
• Slash your grocery bills
• America's best drugstores
• Fuel economy: Save money on gas
• American to charge for even first checked bag
• 6 ways you're wasting gas and 6 gas-saving myths (fuel saving tips that don't work)
• 17 sneaky - and fairly painless - ways to save
• 6 top-rated gas-rebate cards
• Ten sneaky saving strategies
• High food prices? Here's how to save
• Save money on phone, Internet & TV
• 28 ways to save for a rainy day
• The 15-minute tip: Err on the side of more air
• 32 ways to save on groceries
• 10 ways to tame summer camp costs
• 6 ways to lower your food costs
• 30 best travel sites
• Just the facts: Buying a plain digital TV
• Save money on prescriptions
• 10 tips to clip travel cancellation fees
• Grocery rewards cards often aren't worth it
• Break free from wallet-squeezing fees
• Three prescriptions for lower drug costs
• Be aware that Continental charges $25 to check second bag (see Delta and others below)
• Online buyers crack the code on deals (find coupons and promotion codes)
• Extreme savers share their secrets
• 6 ways to dine out for less
• Find the lowest prices and coupons on computers, laptops, digital cameras, ipods, etc.
• Be aware that Delta is raising fees for flights book by phone, traveling with pets
• 8 last-minute ways to save for vacation
• Save money on practically everything
• Compare and shop electronic products at Retrevo
• Your 5-minute guide to travel deals
• Taking the bite out of dental bills
• Best new airline Web sites (to help you find the best fares)
• Verizon, rivals offer all-you-can-talk plans
• 7 painless moves to save $1,000
• Be aware that some airlines are starting to charge $50 round-trip for a second checked bag! (more details on the costs of extra bags are here)
• Learn about the high markup on drugs, and how Costco can save you plenty!
• How to save money when you are filling up your tank
• Make your car last 250,000 miles
• Want to be a millionaire?
• 7 easy steps to saving $1,000 in 2008
• Repair or replace it?
• 13 years of pocket change = 1 new pickup truck
• Four top pit stops for free software apps
• Park and fly to catch bargain airfares
• 8 need-to-know tips for gift cards
• How do I save my expiring frequent-flier miles?
• FAQ: The end of the light bulb as we know it
• Drunk driving could cost $20,000
• 6 Web sites every shopper should know
• Get the lowest price on anything
• How much money does turning off the lights really save?
• 26 fabulous freebies
• 12 ways to de-commercialize Christmas (and save)
• 7 splended homemade holiday gifts
• 7 common holiday budget busters
• Find frugal - but not cheap - gifts
• Empty your closets, fill your pockets
• How to save the most while holiday shopping
• How to score Black Friday deals and 5 tips for saving on Black Friday
• OMG! Text message charges soar
• Consumer Reports Tips for the savvy shopper (as well as best gifts for $200 or less)
• Money-saving tips for the Holidays
• Try walletbuddy.com to locate online store discounts on name brand merchandise
• 4 gas-saving tips you'll ignore, 5 you won't
• Pay cash, get a discount
• How to bargain for almost anything (including How to haggle, anecdotes and survey results)
• If it's free, it's for me - gratis goodies online
• 10 little expenses that add up fast
• 5 tips to smarter holiday shopping
• A green revolution for your budget
• Stop wasting water and trim energy use
• Traveling for treatment (also, to go or not to go and costs, and what to do before you travel)
• Tricks for turning frequent-flier miles into tickets
• 35 minutes to riches (lots of savings tips included)
• Make your car last 200,000 miles and How much can you save?
• Save hundreds on energy costs
• Why save? 6 ways to waste money now
• Save by shopping for generic drugs and comparing drug costs; also, Same drugs, better prices
• Top 10 money drains
• 5 things that are always on sale
• Discounts hiding in your wallet
• Groceries busting your budget? Be a savvy shopper
• 12 ways to cut power bills and stay cool this summer
• Save on back-to-school shopping (also sales-tax holidays offer shopping bargains, the 2007 tax-holidays schedule, and 5 tips for saving on back-to-school gear)
• Fabulous freebies
• Cut coupons to cut costs
• Budget-minded brides seek deals at discounters (and a great wedding without breaking the bank)
• Go vegetarian to save money
• Capturing a fare (airfare) deal
• A bright way to cut your power bill
• How your junk is costing you money
• How to earn $1 million by not watching TV
• How to travel like a high roller (if you're going to gamble anyway)
• Summer travel savings
• Why pet insurance is usually a dog
• Best hotels for any budget (also, hotel ratings and high fees)
• Calendar of deals (when to save on major purchases) and the calendar
• 10 ways to save on airline tickets
• Devote 15 minutes a day to being cheap
• Outsourcing your life
• 10 ways to reduce child care costs
• The hidden costs behind the price tag
• How to have a smooth move
• Take the brown-bag challenge
• How to get out of your SUV lease
• Protect your PC (computer) for free
• Steer clear of these 5 car-rental traps
• Get 50 mpg - in your own car
• 10 tips for affordable family trips
• 4 gas saving myths and Here's how you can lower gasoline prices
• Diapers.com - Discounts on name brands for babies, along with other infant items
• Haircuts and car repairs on the cheap
• High yield savings and rewards card pay off (be careful though)
• 101 ways to cut expenses
• Your private cash machine (make a computer pay for itself with savings)
• Save big with the flashback budget
• Easy ways to cut your energy bill
• Sweat the small (and big) stuff
• Want to save money? Don't shop
• 13 ways to save on prescriptions
• 15 ways stores trick you into spending
• Secrets of superstar grocery shoppers
• Secret deals you have to ask for
• Traveling afar to cut surgery costs
• 5 ways you're wasting money, not saving it
• 50 ways to keep more cash
• Car rental prices can change in a heartbeat
• Too broke to save money? Never!
• 20 small ways to save big
• Could you stop spending for a month (only buy the needs, not the wants)?
• It never hurts to ask for a refund (on airfare)
• Cash in on one of the best kept secrets in education (purchase software at reduced rates)
• When to replace common household items
• The best time to buy anything
• How a single mom finds ways to cut costs
• Lose weight, fatten your wallet
• Extend your car's life and your investment
• People who charge everything (to earn rewards)
• Is it smarter (and cheaper) to fly or drive?
• Easy ways to (really) save $400,000
• Slash your energy bill
• 35 most outrageous fees (and how to avoid them)
• Trade in those unwanted gift cards
• 13 ways to save big on pet care
• 10 New Year's resolutions for saving money
• 10 times you can't afford to skimp
• 12 cool money tricks
• 7 amazing travel secrets revealed
• Save by 'clicking' coupons (part of top 20 frugal $ense tips)
• Check out these 10 friends who live secondhand for a year (voluntary simplicity)
• Prepping the car for adverse weather
• DUI: The $10,000 ride home
• How parents pay for private school
• Stay connected: Best cell phones for children
• Your stupidest money moves
• The high cost of smoking
• 14 ways to lower your heating bills
• Best places to buy electronics
• Avoiding holiday's financial hangover
• Best in services to make life easier
• Websites for bargain hunters
• 50 ways to cut your health-care costs
• Discounts for the 50+ crowd
• The best list - the best in services to make life easier
• Find the best cell-phone deal
• Too broke to save money? Never
• When they say free, it often comes with a fee
• How cheapskates do dinner
• The best time to buy everything
• Ultimate shoppers guide (tech, kitchenware, cars, home, apparel, luxuries)
• How to quit the gym (or anything) - get out of those long-term contracts
• Fare game plan (three sites scour the Web for good travel deals)
• Win at the grocery game - how to shop smarter, cheaper and faster
• The right price for your kid's rite of passage
• Saving some green at the supermarket
• 5 dirty secrets of airfares
• Finding your 'latte factor' for a savings plan
• No shortcuts to saving money on gas (devices that don't really help)
• 15 cheap ways to keep your house cooler
• Don't let repair costs drain your savings
• Smart ways to save money on gas
• Six ways to save more at the supermarket
• High credit score can save you plenty
• 5 rental-car traps
• Do your home work
• Save big on a tiny income
• Turn $1 a day into $67,815
• Deal? Or no deal? (make smart decisions and save)
• 10 ways to save $500 or more
• 20 ways to cut your bills
• 15 ways to live more cheaply
• 13 ways to save on air travel
• Five tips: Cut your costs
• 12 keys to a good deal on a rental car
• 20 ways you waste money on your car
• Want some free money?
• Rags to help you keep your riches (newsletters)
• Five simple steps to saving at the supermarket
• Managing the high cost of high school
• Save with gas-rebate cards
• Woman turns grocery shopping into science
• Saving money online with digital coupons, freebies and comparison shopping
• Pay (a lot) less for phone calls
• Money-saving tips around the home
• The ultimate savings guide
• Cut your costs at the gas pump
• A fresh attack on the 6% commission
• Energy saving myths
• Are your vices killing your finances?
• 10 ways you mindlessly waste money
• The penny-pincher's guide to theme parks
• Give your car some TLC and save money, lives
• Conserve energy and save money
• 10 ways to find cheap gas
• Deal sharks: the Web's best shoppers
• Cut those doggone vet bills
• Don't be blinded by bulk sales
• Rebates: Get what's coming to you
• The best time to buy everything
• 10 ways to save in 2006
• Travel bargains - where to find them fast online
• Best web sites to find a bargain
• Money moves for December 26
• Shave $150 a week off your grocery bill
• Grab a bag of (savings) tricks
• Five simple ways to save money on your water bill
• Five ways to save on airfare, hotels and cruises
• Save energy and money at home
• Get cheap to get rich (ways to save throughout your life)
• Saving money around the home
• Energy saving tips for this winter
• No-sweat savings
• Fall 2005 buying guide
• Save energy and money
• Back to school savings guide
• Print coupons and save
• Online travel reservations made easy - get the best deal (another article)
• For cruises, try discounters at CruiseCompete or CruisesOnly
• 50 coolest websites for shopping in 2005
• 75 websites to satisfy every kind of shopper
• Visit DollarStretcher and learn how to live better for less
• Strategies for finding the lowest possible prices on air fares, hotels and cruises
• How to get a good price on a new car without the hassle
• Shel Horowitz offers lots of frugal tips
• Read this section on frugal living
• More information at cheapskatemonthly.com
• A financial site that teaches you how to save
• Shopping frugally and budgeting
• A community of thrifty consumers who share their saving ideas
• Bargains, freebies, coupons, and frugal living tips
• How to save on computers, gas, cars, appliances and travel
• Recommended websites that offer good deals, support and service
• Find unclaimed money owed you or a family member (only use the free links)