That's 15 & we are still gaining speed &cash savings. Here's 8 more.

#16 Home Air and Heat – In the summer turn the thermostat up 2 degrees which is still bearable for most, and during winter down 1-2 degrees to keep cozy but save money. This can spell $40-$80 a month in added savings depending on your local climate. On days that are nice you can cut off the unit and open windows to let fresh air in and save money too.

#17 Central Heating and CoolingMaintenance - Change filters monthly and get your unti cleaned every 6 months. Have it checked at the onset of problems and you will save a ton of money on heating and cooling.

#18 Appliances - Even your Water Heater, stove and gas dryer can cost you hundreds of dollars a year extra. If you have a high gas bill eliminate it and get a rebate on your electric bill as well. Replace your gas appliances with energy star rated electric appliances and you get a tax rebate for energy efficient homes. You will also find that using an electric catalytic water heater saves you more money because it only heats water when it is needed instead of heating a tank of water 24 hours a day.

#19 Save Water – The world is dying not of climate change but from a lack of safe and drinkable water. Look at Africa and India where contamination has rendered most water undrinkable. Not only can you help the planet by conserving water but you can save on your water bill by switching to water saving high efficiency toilets or placing a brick in older tank toilets. You can shower by wetting, turn off water, lather, and then rinse so you are not wasting water in between. Water lawns only when the sun is down and watch to not leave water running too long. Use timers where possible and check to see if your lawn can be watered as little as twice a week as some grass needs less water.

#20 Garden this and Catch your Fish. When they say give a man a fish feed him for a day, teach an man to fish and feed him for a lifetime they didn't know how much money this can save as well. The more you can garden, grow, and kill the less money you spend on processed foods that can cause serious health issues.

#21 PAY MORE – Did you know that paying $100 for Nike's is cheaper than paying $10 for a Wal-Mart Sale? Based on shoe life you can buy 12 pairs of cheap shoes during the life of one good pair. Same goes for jeans, shirts, under garments, and leather goods. My $20 wallet has lasted 23 years and counting. My son bought a $5 leather wallet 2 years ago and it's worn through in places. Buy quality over sales when possible.

#22 Stop Bad Habit Spending –No more smoking, excessive drinking, vaping, and if applicable drug use. Where possible use herbal supplements instead of chemical medications and find ways to alieviate stress and your medical bills will go down, your health will go up and you will feel pride in this grand success.

#23 Insurance – If you have your insurance more than 3 years check rates to see if you can get abetter rate. Some companies offer programs like safe driver discounts on auto insurance for example. Likewise a home safety inspection and energy star efficiency can also cut home insurance rates. Want tosave a bundle add a home security system for another example.