Here is my first tip on saving money.
Don't spend it. Of course you think that I am being a smarty pants but actually it makes common sense. If you know that you do not have money for a pumpkin latte, then why don't you try something else. I make the best latte at home. I also try the lattes in the grocery store. Let's do the math. I love Vanilla Chai Lattes. Kroger has a comparable one for $3.89, on the other hand Panera has one that cost more than $4.00. The latte in the bottle from Kroger I can sip this one for days-4 to be exact. So I can have 4 lattes for a cheaper price.
Here is the thing -
I look at everything in my life as how I can save money. Today I saved on lunch. How? I took a friend up on an offer - "You drive, I pay". I use to never take people up on such an offer but if I can save $5.00 on lunch and spend what would be about $1.50 for gas, so be it. Thanks again for lunch.