Of all things not to pay full price for, clothes top the list. Retailers frequently have sales, wherein they discount merchandise as much as 60% or 70%. Sure, you might have to wait until the end of the season to snag a few items. However, the longer you wait, the more you can get for your money. And with so many retailers giving away huge discount coupons, including coupons that can be combined with store sales, there's never a reason to pay full price for garments.

Whether you're taking a college course or looking for an interesting story to read, there are many ways to find cheap books. Online websites such as Amazon.com have a wide selection of new and used textbooks at amazing prices. Plus, online auction sites like eBay regularly maintain a supply of gently used books. And if you can't find what you're looking for online, the library is always an option.

Understandably, clipping coupons takes time and patience. But if you’re tired of a high grocery bill from week to week, a little inconvenience can save you big bucks. Several grocery stores have discount loyalty cards. Sign up for a free card and enjoy exclusive discounts. Combine this with coupons and you can significantly reduce your grocery bill.

Do you enjoy eating out? Are menu prices breaking the budget? No worries. There are plenty of ways to eat out and save money. Pick up this year's issue of the Entertainment Book or purchase discount restaurant coupons from sites like Restaurant.com. Join your favorite restaurant’s email club and receive exclusive coupons for free menu items.

Shopping online is one way to avoid long retail lines. Plus, online shopping is fast and convenient. Unfortunately, shopping online isn’t without additional fees. Before heading to your favorite retailer’s website to place an order, research coupon codes online. In all likelihood, you'll find a coupon code for free or reduced shipping.

Grocery stores and pharmacies are common places to buy health and beauty products. Unfortunately, these products can cost an arm and a leg. You can always buy generic and save money. But if you're loyal to a specific brand, check out your local discount retail store. The Dollar Store, the Family Dollar and the Dollar General typically have a supply of health and beauty products priced cheaply.

If you think that you can't afford a vacation, think again. Vacations don't have to break the bank, nor do you have to pay full price. Get an annual AAA membership and save big on hotel rooms and car rentals. And if you book travel through a travel agency, you might gain access to exclusive deals on cruises, flights and hotels.

There is no shame in saving money, and with present economic conditions, saving makes good financial sense. How have you cut expenses? What items do you refuse to buy at full price?