For example, you might consider buying some items used, like books and bicycles. You might also keep your credit card tab down by repairing clothes and appliances, rather than replacing them, or by swapping some of your grocery purchases for the store brand version (I've finally switched to store-brand peanut butter and I can't believe how much cheaper it is). It's a good bet that most of those nights will be spent in your very own bed, making your mattress the most important factor in a good night's sleep.