1) Pay a little on your mortgage
2) Reduce your credit card debt
3) Keep a budget, even if only for a week
4) Enroll in your employer's flexible healthcare spending plan
5) Become a coupon clipper
6) Get started on a few small projects to make your home more energy-efficient
7) Eat out less
8) Cut your taxes
9) Review your Insurance Policies
10) Finally Quit Smoking
