Here's how some people save a few dollars:

n Take public transportation instead of taxis.

n Wait longer between haircuts.

n Cut back on facials, manicures and massages.

n Buy cheaper coffee drinks.

n Use discount cards for food and beverages.

n Opt for standard cable TV over premium programming.

n Get car washes less frequently.

n Buy half-price theater tickets.

n Refinance mortgage payments.

n Take shorter vacations closer to home.

n Buy only needed items - one suit instead of two - despite tempting sales.