For some folks, tips like the ones that follow would not be helpful because their situations have become so dire. You may work hard, but rationalizing poor spending habits is a surefire way to remain broke forever. If you used every one of these tips, you would save, literally, thousands of dollars per year.

If you absolutely adore your coffee, make it at home and put it in a nice to-go mug for your commute. You can also consider sprouting for fresh off-season greens at a fraction of the price of grocery store sprouts or produce. If you still want to watch television and movies, get an Amazon Prime or Netflix membership for viewing and pay less than $10 per month.

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