[darkleeroy]

If you're a cig smoker, cutting those out is one of the best things you can do financially. If you're a pack every two day smoker you save yourself about $90 a month, ($6*15 times a month). Which is about $1080 a year, and may be priceless in the future.

If you enjoy daily cigar smoking, try the pipe. A $12 tin in a $5 dollar cob pipe will last you half a month.

Likewise, pb and j goes a long way compares to a daily fast food lunch.

Finally, if you can walk to it, don't think about taking the car.