Reduce or eliminate magazines. If you are a typical American family, your mailbox gets its regular fill of magazines: business, sports, home and garden magazines. Can you imagine how much each of these
subscriptions cost? Annually, it is an average of about $20 per magazine. If your family is subscribed to 5 different magazines, that’s already $100 savings per year! If you still need the information from such magazines, go check out their websites and you’ll be surprised at how much free information is available!  Or, check them out from your local library.  You don’t need to wait until the subscription runs out.  For most magazines, you can cancel at any time and you will be sent the prorated balance of what you have prepaid.  If you cancel magazines, put the refund in your Christmas fund.