Here are some ways to save money in hard times like we have now...

~ Get rid of cable T.V.
~ Get bundled packages of internet and phones, etc.
~ Cook more at home and only go out on some occasions
~ Go down to one car, eliminating extra gas, car insurance, etc.
~ Go shopping with a list, and buy in bulk when you can.
~ Don't buy wants only needs, and for gifts, make things.

I would love to hear anyone else's penny pinching ideas.