Take Dave Ramsey's course!

Stock up on your grocery store favorites when they are on sale. Search the ad papers or your grocery store's website for deals that week. I love the Buy One Get One Free deals. You can really save for just a little but of effort.

CVS has some great deals - as long as you only buy what you need. I just got a $25 giftcard for filling my prenatal vitamins there, and $10 CVS bucks for buying my Aveeno shampoo and conditioner, and lotion at the same time.

i've started clipping coupons. they send some of the sunday paper coupons in the tuesday mail so i wait for them and also found the website coupons.com is great. it's free and all you have to do is look, mark the ones you'll use, then on the last page click 'print clipped' and it sends the coupons right to your printer. i then go to the grocery store on double coupon day. save us quite a bit. we go to BJ's to get meat and staple items. the great thing is they take coupons from the paper and websites.

We rent movies at Redbox instead of a movie store and it saves you about $4 a movie (depending on how long you keep the movie). We also have the Dave Ramsey kit and are about to start taking classes.

I've recently read that most grocery stores put each item on sale once about every 12 weeks. When you find something that's on sale, stock up for the next three months and avoid paying normal price each time you go shopping.

The biggest saver for us: Not eating out. We get smart when we shop, and buy items that can be used multiple times and used in many different kinds of dishes :) We treat ourselves every now and then to something special, but we've found we can cook food that's even better than what we eat out! Also, we got a Netflix account. My husband and I both love movies, and instead of paying $14 each for a night out, we enjoy watching movies instantly online or having them shipped to our place.

We invested in OOMA, a VOIP system. Works like Vonage, but you just pay for the unit with no monthly bill. We tried the no cell phone route, but the reception in our area is not that reliable. We can call family members all over the country with no charge.

We've started going to the Dollar Theater instead of the regular movie theater. It's a lot cheaper than renting a movie too.

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Things we do to save money: shop at Sam's for certain food items & health/beauty products, shop at Trader Joe's - healthy options at great prices!, cook at home more than eating out,use Redbox to rent movies & go to the "cheaper" theater when we do want to go to the movies, and we have cut down on "sweets" & junk food which is better for our wallets & waistlines! :)

We are movie buffs so we do Netflix and it saves a ton! Also, Kroger does a lot of ten for $10 deals and you can really save on things we use every week.

We are doing the whole Dave Ramsey thing now...I do suggest it to anyone who has more than one debt. Also, rent movies is a good one, and for fun stuff look online for your areas free things to do for entertainment, don't eat out all the time, for lunch bring last nights dinner left overs, also don't over spend on clothes wear them out until that debt is paid off, don't use a credit card for anything it adds up to quickly, don't over buy on grocery's plan out your weekly dinner meals, and invite friends and family over instead of going out. Also working out can be entertaining take a walk, jog, hike, bike, roller blade, and go camping instead of extravagant vacations.

cut down on Starbucks! :( Unfortunately, that was hard for me, but you have to do what you have to do. :)

We check out movies at our local library, they have a huge collection and if they don't have it they will see if other libraries in the area have it and deliver it to our library.

get rid of your cable and watch TV shows and movies on Hulu.com.

My husband and I decided to not get cable. We have Netflix and watch a lot of movies through the "Instant" feature and watch our favorite tv shows together through Hulu.com. We only pay for internet and we're probably saving close to $100+ a month doing this. We find we spend more time together. It's great! And we're both reading a lot more books too! (that we purchase at places like garage sales, used books stores, Goodwill or through sellers on Amazon or get from the library--another way we save money!

My husband and I are hardly ever home, we watch an average of 3 hrs of tv a week. so we cancelled our tv service got netflix and are saving $100.00 a month. plus we can still watch our shows on the internet!

Anytime meat is onsale at the store I buy the biggest package, take it home and divvy it up into ziploc bags and stick them in the freezer. You can save tons!!

If your recipe only calls for a cup or so of vegetables try getting the veggie that you need from the salad bar at your grocery store. I usually only end up spending around $1 and don't end up wasting any food. Only buy what you need and save money doing so :)

One fun way to save some money and not feel deprived with your movie and book selection is to check out paperbackswap.com and swapadvd.com. You post books and movies that you are done with; other people request those; you pay ~$2 to mail them; you get a credit in return that you can use to request a book/movie from someone else; and then they pay to mail it to you! I've been using them for several months now, and it's great. I get to exchange movies and books I no longer want for new ones :)

I've saved a ton of money on my monthyly prescriptions by using a mail-order service. I get 3 months of medicine for the price of 1 month. It is through my health insurance company, and it is totally worth looking into.

Netflix is a great way to save. For $8.99 a month, we get about 4 movies a month and the streaming capabilities, which allows us unlimited access to the instant movies/shows in the database. We also enjoy going out for dinner, but it obviously gets expensive. We now try to make date night Fridays during happy hour time. There are usually appetizer/drink specials, so for $15 bucks, we have a great night out!

when we were engaged we would take our change and put it in gallon water jugs... we were engaged for almost a year and we ended up saving $500!!! its a good way to save for a vacation or christmas money. we are going to keep it up to start a cd for the kid college fund.

who is Dave Ramsey?

YES! Listen to Dave Ramsey...he will change the way you think regarding finances. Try Financial Peace University that he offers...no one says it better than Dave!

We canceled our cable and home phone, instead switching to using just our cell phones. We kept our internet hooked up and found that we could watch all of our favorite shows a day later by using Hulu or the network's website for FREE. We use Netflix for almost all our movies and have saved $150 a month.

Go to Uptown Cheapskate for designer clothes at low, low prices. I got a $300.00 Bebe jacket for $30.00. The store is amazing.

We plan meals while flipping through weekly flyers. We eat whatever happens to be on sale that week...

I clip coupons and always try to match the coupon with a sale. We also use the grocery ads to plan our meals for the week and only buy what's on sale. A lot of grocery stores in our area do 10 items for $10 mix and match so I stock us up on our favorite food/treats.

Get in the habit of paying yourself first. If you get your pay by direct deposit, have your account set up to automatically transfer a set amount into a savings account right away. Even a small mount of $20 is $520 a year. $100 is $2600 (basied on 26 pay weeks a year or bi-weekly). If you do it right away, you wont notice it as much and you can quickly adjust. Especally if you are they type who jsut checks the debit account balance to see what you can spend. Paying yourself first allows you to have your savings set up and protects it from those impulsive buys. Also try not to have your savings account set up on your debit account. Many banks offer free higher interest online savings accounts that aloows you to earn more interest and limits accesss from an ATM. Personally I did this all through University and after 5 years I had saved over $13000 plus interest!

One common way to save money is to extensively use coupons and vouchers. By collecting coupons and purchasing items from your local groceries or Walmart when there is a promotion, you can expect to save a pretty penny.