1 Cut out your fancy morning coffee, not to mention the sweet roll -- if applicable. At $3 to $5 a day, you'll save $60 to more than $100 by the end of the month.

2 Make your lunch. Rediscover the skill of brown-bagging. Conservatively assuming $5 per workday, your savings can easily add up to $100 per month.

3 Borrow DVDs for free at the library. They're only a few months behind Blockbuster.

4 Cut down on seeing new movies at the theater, where the typical expense for one person, including ticket, popcorn and drink, is about $15.

5 Unplug your home computer when it's not in use; Vigorito estimates that can save more than $20 per month. And unplug chargers for cell phones, music players and other devices when not in use; that's about $10 per month each.

6 Shop sales only for new clothes. Before you buy, see if Goodwill has something you like almost as much for a fraction of the expense.

7 Buy store brands at the supermarket. A family of four can save about $20 a month this way on cereal alone.

8 As president-elect Barack Obama advised during the election campaign, check your car's tire pressure to increase your gas mileage.

9 Reduce the water used in flushing your toilet by inserting a half-gallon milk container, weighted with sand or pebbles, in the tank. For details visit www.wikihow.com/Convert-Any-Toilet-to-a-Low-Flush-Toilet.

10 Stay well to reduce trips to the doctor: Wash your hands frequently, eat right, sleep well and don't smoke. Good health is money in the bank.