5. BRAWN AND BRAIN Have you ever called a repair person to your home at $85 an hour only to have the person take 10 minutes (but charge you the full $85 fee, of course) to change your air filter in the air conditioning unit or tighten the dryer tube or something else that you realized you could have done yourself for free? The next time something breaks save a few dollars by trying to repair it yourself. There are lots on do-it-yourself websites, blogs, and videos to help you with the process. Of course, there are some jobs that are better left to professionals, but I’d be willing to wager that you can fix tons of things on your own. If it’s something you don’t think you can tackle, ask a handy neighbor. Offer to do something you’re good at in exchange. 6. USE YOUR RESOURCES Find free resources in your community to keep you entertained while saving a few dollars. Libraries are a great example of a free, community resource that provides free book rental, free movie rental, free Internet usage, and many other things. Check around to see what paid services can be replaced with no-cost or low-cost services. 7. ELIMINATE WASTE How much money do you spend buying cigarettes, alcohol, caffeine and sugar? You’ll save money by not purchasing those items and you’ll save a few dollars on your health insurance and life insurance. Think of how much money you’ll save if you stop buying coffee in the drive-through, drinks at happy hour, and donuts on the way to meetings.