Becoming a millionaire requires stretching your dollars as far as they can go, so you can stay on top of your money game. Here are a few ways to find some extra cash:
Use coupons: Kim is our coupons expert, hands down. Websites like recession-lessons.blogspot.com, coolsavings.com, coupons.com or smartsource.com can help you save while shopping. For additional savings, shop during double coupon days.
Buy generics: From dish detergent to paper towels, bread to orange juice, you can save big bucks by buying store brands.
Library: Movies, books, music, newspapers and magazine are free at your local library.
ATMs: Avoid ATM fees by using your bank's ATM or get cash back when making purchases with your debit card. If you travel a lot, check to see if your hotel will let you write a check for cash without a fee.
Healthclubs: Your employer may offer discounts on healthclub benefits. Otherwise, you may be able to use your local community center for a low fee, or free. Or, for a totally free workout, walk outside or buy hand weights and make good use of whatever space you have at home.
Movie matinees: Get there by 6pm and pay half the price.
Manicures/pedicures: Go to the salon midweek to take advantage of half-price specials. You can also save big bucks by getting your nails done at a beauty school.
Lunch: Bring last night's dinner for lunch and watch your dollars really add up.
Snacks: Avoid vending machines at work by bringing your own snacks.
Extended warranties: Read my lips: A WASTE OF MONEY. Protection plans are pure profit for the retailer, so skip buying the extended warranties when buying appliances. Your manufacturer's warranty will cover you for the first year. Save the money you would have paid for the warranty, and then use it for repairs if needed. Otherwise, invest it.
Cable: Eliminate premium channels. (How many of those channels do you really watch anyway?) You may even be able to watch your favorite show online.
Prescriptions: Buy generic when possible. Also, check online prices and mail order outlets for up to 30 percent savings at U.S. pharmacies.
Fees: Avoid late fees and overdraft fees at all costs. They really add up.
Child care: What is your backup plan if you have a sick child? Check with HR to see if your employer pays for sick child care.
Now that you've saved all these dollars, how do you plan to invest them?