Tip #6: Gas Hedge Fund

Basically, because gas is a little cheaper now, Ramit suggests creating your own little gas "hedge" fund, saving the money that you would have been spending on gas a few months ago. So I started transferring $10 a week into my savings account (fill-ups are around $50 for me now, and at their highest they were $60, and I usually fill up once a week).

Yay saving money!

You should participate.

And tip #5: Optimize your cell phone bill.

I'd already gotten rid of internet on my phone, but I went online and changed my text plan from unlimited to 1000 per month, since I used 953 the month prior. We'll see if that helps. It was a $5 savings!