Become a comparison shopper on all items you plan to purchase.
Wait for special sales. Ask retailers when sale dates are planned.
Learn to read and understand all advertisements.
Use a list for grocery and household items.
Buy private label brands only when it is economical and practical.
Never expect something for nothing because somehow you will pay for it.
Don't take a casual attitude toward money because it can bring about many financial casualties in the future.
Source: Institute of Consumer Financial Education (619-239-1401; www.icfe.info)