Exercise at homeSome of you will disagree with me on this, which is OK, everyone should do what works for them.But I've saved a lot of money that I used to spend on gyms by just running at the local track or on the roads in my neighborhood,and buying some simple weights and a chin-up bar.Cut out cable TV 119I'm not saying I don't watch TV-I watch DVDs, so that I'm sure that what I'm watching is something great, rather than the useless stuff you find on TV most of the time.And there's a lot of it online for free if you look. Not a huge savings, but it adds up.DeclutterBy getting rid of all the excess stuff in your home, you not only make your life much simpler and more peaceful,but you make it harder to buy stuff that will just clutter things up again. Once you've simplified your home, you won't want to go back.