Driving 55 miles per hour burns 15% less gas per mile than driving 65.

Before going to the grocery store, have a bite to eat so you're not shopping on an empty stomach and while you chew, make a list of items you need and stick to it. You can save hundreds of dollars each year by avoiding impulse and hunger-based shopping decisions.

If you're contemplating that "must have" purchase, walk away from the temptation and wait 24 hours before laying down the cash. Chances are when you're away from the item you'll realize you really can live without it.

Looking for the best deal on a low-cost mortgage, low interest rate credit card, and highest CD rates? Go to www.bankrate.com and find some of the best rates available.

Shop for holiday bargains on cards, gift wrap, and decorations as the season ends and hold on to it for next year. Savings could be as high as 75%.

Watch the balance in your bank account increase by asking a trusted friend to keep you accountable to your budget and vice-versa. Jot down your spending for the month and be prepared to review your purchases.