14. Bank safely online. With more customers managing their money through online accounts, mistakes that lead to vulnerability are also more common. Don't "friend" strangers online, and beware of sharing any personal information publicly that could be used to guess your passwords. Take care when entering passwords on smartphones, too, because such devices generally lack the anti-virus software that's more common on computers. If you do notice anything suspicious, contact your bank right away.
[In Pictures: 10 Ways to Avoid Online Scams]
15. Watch television for free. From the network news to serialized primetime shows to cable programming, the show you want can almost always be found online. In most cases, all the viewer has to do to access a show is watch a short 30-second advertisement before the opening scenes, or a longer two-minute ad where a commercial break would normally be. Not a bad price, considering that most of us watch ads anyway when we tune into our expensive cable channels. Check out Hulu.com, iTunes, and network websites.
16. Travel for free. By taking advantage of credit card reward programs as well as airline mileage, Brad Wilson, 30, earned a free trip to Australia and New Zealand, valued at around $40,000. "It turns out there are a lot more opportunities than people realize," he says. He suggests actively seeking out deals, layering them on top of each other, and staying organized.
17. Move in with family. The Pew Research Center recently found that there are more multigenerational U.S. households today than at almost any point in modern history, with a total of about 51.4 million Americans living with relatives. That's about 16.7 percent of all Americans, the highest percentage since the 1950s. (During World War II, shared housing was more common, with about 1 in 4 Americans living in a multigenerational household.) The report likens the phenomenon to an "anti-poverty program" that Americans are enacting to insulate themselves from the dark side of the Great Recession.
18. But don't ruin each other's finances. Parents are often pressed for cash, too, especially as they near retirement, which means they have to watch out for their own finances. Budgeting for any support can help, as can exchanging non-financial help, such as shared meals and networking advice.
19. Waste less money on food. Jonathan Bloom, author of American Wasteland, estimates that Americans waste at least 160 billion pounds of food each year. To minimize that, he suggests shopping more frequently and buying less on each trip to the store, and maintaining an uncluttered fridge so you don't forget about items that will soon expire.
20. Become a better cook. Sometimes you have to spend money to save money. Nowhere is that truer than in the kitchen, where investing in a few key pieces of hardware can help you cook better, faster, and cheaper. And anything that makes your food taste better and gets it on the table quickly can lessen the temptation to order budget-busting take-out. Consider investing in a slow cooker to make meals even easier.