The easiest savings I ever did was really quite simple, when I would get a salary increase I would bank the amount of the increase. I literally went decades with no real increase because I banked it immediately, usually by an automatic withdrawal so I would never see it on a paycheck. Ditto with not making payments on items, if you have to make payments you probably don't really need it or can't afford it anyway.
It is amazing how easy it is to save money when you never get used to having it. I know countless folks who immediately bought something or took on another payment the moment they got a salary increase, I never understood that philosophy.
drover
