Cut calories by digging out the hefty middle filling of those big bread servings like bagels, biscuits, croissants, etc..
You can also buy the thin versions of bread e.g. Thomas' Bagel Thins
If you only buy gifts when your heart tells you to instead of because you feel it's your duty to do so, you will save a lot of "I'm only buying this because I feel I have to" dollars.
Don't feel like working out because your favorite show is on? Stand up and do some walking high knees during the program. Walk or do active stretching during commercials. Bam! You've just done a 20+ minute workout!