Energy savings light bulbs, weather strip windows and doors. If you have large family join Costco or Sams Club and buy case lots. Or form neigborhood coop to buy food at those places. Keep thermostat down in winter and at 76 degrees in summer. Rent movies thru Redbox for $1.00 per movie. Cut back on cable stations. Use prepaid cell phones. Do barter work, that is if your friend is an accountant he can do your taxes and if your a plumber do some work for him. Only run dishwasher full. If possible, hang clothes that have been washed outside. Examine your credit cards, if you are paying over 10% you are paying too much, check out your local credit union they have lower rates. Don't pay for babysitting, see if you can get neighbor to do it and the next time, do it for them.
Life experience of 63 year old man.