18. Cut Down Use of Utilities

Electricity, water, heating – you can bet your bottom dollar that you’re using more of all of these than you should, so stop it! To save yourself money, turn off any lights when you leave a room, don’t leave taps running when you’re not using the water, and only turn the heating on when you need it on (do NOT pre-program it to come on at specific times). Apply this notion to all aspects of your life and you’ll work wonders on your financial situation.