REDUCE SPENDING:

PERSONAL

1. Restrict your snacks at work - snacking can be costly. Take snacks with you.
   
   
2. Shop toiletries carefully - some stores discount these.
   
   
3. Could someone in the family learn to cut and style hair?
   
   
4. Stop smoking.
   
   
5. Trade your old books, records, CDs and tapes at the 1/2 price or discount book store.
   
   
6. Try to develop interest in activities that don't require spending such as walking. Major newspapers list free or minimal charge entertainment activities each weekend.
   
   
7. Give a gift of a coupon for services (car wash, repair etc.) instead of purchasing a gift.
   
   
8. Do your own pet grooming. Use an inexpensive shampoo and add two tablespoons of baking soda to the water for a soft coat.
   
   
9. Cancel subscriptions to magazines and book clubs. Use the public library instead.