Weve all been there. You join friends for dinner at a pricey restaurant. They order steaks while you stick with the cheaper salad, then cringe when you all split the bill. If you cant afford the restaurant or vacation with the girls, then say so. They wont care. And youll save yourself the painful position of maxing out your credit cards.
Look for deals. They're in your mailbox, your favorite stores, and online—but if you're not looking for them, coupons and deals are easy to miss. Between the "junk" mail I usually throw out without looking at, my local paper, and email offers, I had coupons for everything from grocery shopping and restaurants to haircuts and car tune-ups.