1. If you have your haircut every 3 weeks, try going 4 or 5 weeks in between haircuts. If you pay $10 for a haircut, you could save $70 a year by having a cut every 5 weeks instead of 3.

2. Buy only generic basic types of cold cereal, if your family must have it. With fall and cooler weather coming, it's a good idea to introduce hot cereal. It's usually the best buy and by using the microwave oven to prepare, it is almost as quick to fix as cold cereal.

3. If you have a cell phone, don't buy the accessories at the "cell phone store". Check out prices at local discount stores first.

4. Quit smoking. Need we say more?

5. In some states, children's immunizations are offered free at local health clinics. Call the local health department to inquire.

6. Wash, wax and detail your own vehicle instead of paying someone else to do it.

7. Put a little money aside every month in order to pay your car and homeowners insurance annually. Most insurers charge a fee (sometimes hefty!) for paying monthly. You'll also avoid those mid-year increases.

8. When making instant pudding from a box, add an extra cup of milk. The pudding "sets up" the same and tastes the same, but you have one more cup. You might want to experiment with adding a little more. And of course, another money-saver is to use reconstituted dry milk.

9. Meat prices are soaring, so plan to have a meat-less meal at least twice a week. Substitute an egg or pasta dish. Or maybe canned tuna or salmon.

10. If you love magazines, try sharing with a friend. Each of you subscribe to a different magazine, when you're finished reading, swap.

"Beware of little expenses; a small leak will sink a great ship." --Benjamin Franklin