Tip	Monthly Saving	Yearly Savings
Save $.50 a day in loose change	$15	$180
Cut soda/pop consumption by 1 liter a week	$6	$72
At work, substitute 1 coffee for 1 cappuccino	$40	$480
Bring lunch to work (saving estimated $3/day)	$60	$720
Eat out 2 fewer times a month	$30	$360
Borrow, rather than buying, one book a month	$15	$180
Comparison shop for gas (save est. $.25/gallon)	$4	$48
Maintain checking account minimum to avoid fees	$7	$84
Bounce one less check a month	$20	$240
Pay credit card bill on time to avoid late fee	$25	$300
Pay off $1000 of credit card debt, reducing interest	$15	$180