Wait to wash dishes and laundry until you have full loads.  You’ll use less water.  Use cold water when doing laundry whenever possible.  You’ll save on hot water.  Keep the thermostat turned down to save on your heating bills.  Turn off lights and other electrical appliances when you are not using them. 

These little tips are things you hear all the time, but most people don’t make these changes.   Each change should save you a few dollars each month.  Add them all up, and you can save well over $100 a year.  $100 will go a long way toward debt reduction or gifting!