My fiance and I have our bank accounts set up so that every transaction - debit purchase, transfer, deposit, etc - automatically transfers a set amount of money into our savings account. Over the last year, we've put away over $500 this way. It also has a hidden benefit of making us think before we spend, since we know that any debit purchase will come with a 'charge' - it's a win/win! Best of all, the bank lets you choose any amount between 50 cents and five bucks, so it doesn't have to hurt.
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I found out two key things about shopping Amazon.com - they don't charge sales tax (at least for CA residents) and if you purchase more than $25 you get free shipping. They don't always have the best price, but if they come close consider a 10% reduction in price by avoiding CA sales taxes. Check for your state on their site.
Many people are unaware that they can direct their own IRA investments without tying themselves to one provider's options. A Self-Directed IRA gives you many investment choices that aren't available through traditional means. Real estate, among other options, can be held, turned for quick profit or can secure loans made from your IRA, tax-deferred or tax-free. If you like more control or different investments than you are currently offered, check out Self-Directed IRAs.
I am not an investment advisor, however if you would like more information about how to find a custodian for your IRA, feel free to PM me. I'm happy to share what I do know, and will tell you if I don't, plus where to find the answers.
Nothing ground-breaking, but... Spend the time researching tax breaks. If you give to a charity, you do a good deed and you qualify for tax write-offs. There are also tax write offs for going Green, such as trading in your "clunker", etc. Finding these tax breaks can save you some serious cash.
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