Check out this Redbook profile of Christina Ksoll, 42, who cut her annual spending by $16,000. How did she do it? Partly by buying a grill and inviting friends over a few times a week instead of eating out. She estimates that change alone saves $5,000 a year. Her other techniques include:
• Going to restaurants that accept coupons.
• Keeping a pack of soups at work so she can eat that when she doesn't have a lunch meeting.
• Bulk-buying paper products. If it's too much to keep around, she donates the extra to an animal shelter and still saves money.