Learn to ask for a cash discount or sale price - always. About 1/2 the time it pays off and after a while 'no' doesn't hurt so much. I have saved scads of money this way and it's especially useful at the dentist and docs offices.
- Low quality items are often a false economy if they are lifetime purchases as you will end up replacing them. (cookware comes to mind)
- Make your own coffee.
- Give up alcohol except for special occasions <-- major money saver over time.
- Cut your own grass, clean your own house, wash your own windows.
- Just say no to financial management services.
- Bake or make your own bread, desserts and snacks.
- Buy dried pet food (yes, for your pet) and groom your own critter.
- Never, ever go shopping when you are bored.