8. It's the Thought That Counts when It Comes to Gifts

Special occasions like birthdays, wedding anniversaries and the Holidays can be a headache on the money front.

But you can be frugal and thoughtful, and still make somebody smile.

Make something yourself that is affordable and meaningful, or if you're not creative enough to do that, trawl flea markets, charity and second-hand stores for stuff your loved one has been longing for: out-of-print books, rare records, vintage comics...there are lots of things that are meaningful but don't cost an arm and a leg.

Set up Automated Recurring Transactions for Savings