1. Save on minutes

One place to look for savings is your cell phone plan. We're not suggesting that you ditch your phone -- far from it. However, how many minutes do you really use? And is your current monthly package truly meeting your needs? Always shop around before you commit to an agreement. Better yet, don't commit to a contract that will tie you down or slap you in the face with penalties for leaving early. By shopping around you can see what options are available -- not just with the competition but with your current provider. Use this comparison shopping information as your negotiation leverage and ask for a better deal. To learn more, check out Shopping for a Cell Phone Plan? This is as Easy as it Gets.

Your savings: about $180 per year if you get the basic 150 minute voice and data plan.