9. "Zero Dollar Days."
Challenge family members to find “zero dollar days” in the week. Can one day a week be set aside where no money is spent? How about two days? Finding alternate ways to fill needs without automatically resorting to a purchase is a great habit to build for everyone in the family.
10. Pack a lunch.
By avoiding the costs of eating out every day of the week, an average working adult can save around $50 and an average student can save around $15. Over the course of the year, a family of four could save roughly $5,000.
11. Don't pay for entertainment.
Nearly every city offers free events like concerts-in-the-park, fireworks, parades, parks and recreation opportunities. Find out what’s available in your local area and take part in the lower cost of free fun. In addition, plan ahead by packing a picnic lunch, or putting together goodie bags with inexpensive trinkets (like glow necklaces) to avoid the inevitable barrage of venue items for sale.
12. Learn to say “No.”
One of the most difficult things we have to do is deny ourselves or our families the immediate gratification of making a purchase… yet, it’s one of the healthiest things for both our mental development and our pocketbooks. By limiting ourselves to buying only what we can reasonably afford and denying the extras that would break the bank, we create a higher appreciation for what we DO have.