13 money saving tips**

1. cut back to one credit card
2. leave your credit card and atm card at home
3. let the `cheaper` person carry the money. shop from a list and stick to it
4. don't buy anything the first time you see it
5. don't go food shopping when you're hungry
6. bring lunch to work
7. don't eat out as much
8. use payroll deductions to build savings and retirement accounts
9. make it hard to get to your money- bank far away, avoid atm machines.
10. pay down credit cards as quickly as you can. pay on time. pay more than the minimum required
11. transfer your balance to a card with a lower rate
12. use the local library. borrow books, videos, and cd's
13. have potluck suppers instead of dinner parties