1. Stop waste

1. Stop waste. Don’t waste cash on unnecessary items that you’re never, ever, going to wear. If you haven’t worn it in 12 months, perhaps it’s time to ebay it. This point also extends to wasteful spending on things that can be mitigated like parking fees when you could easily walk or buying bottled water when you could fill your drink bottle with tap water. It’s not about being cheap, it’s about being smart.