Tips on curbing everyday spending

_Use cash instead of credit cards. You'll be more aware of how much you're spending.

_Don't be afraid to buy second-hand goods. Used books, clothes and accessories can often be found online in good condition at a fraction of the retail price.

_Check cable, cell phone and banking statements for any services you may not need or even know you have.

_Shop around for better rates when your cell phone contract is up.

_Go online to comparison sites before making any big purchases.

_Learn to cook and rely less on eating out. Eating just a few extra meals a week at home can add up to significant savings over time.

_Try activities that don't cost money; hiking, card game nights, borrowing movies from the library, etc.

_Take your own snack/lunch to work.

Source: Financial planners Laurie Hensley and Sheryl Garrett.