9. Downgrade Your Indulgences
Say you love meeting up with a friend at a cafe to catch up. Instead, buy blueberry muffins from a grocery store and invite her over for coffee at your house. You guys can take turns hosting to even out the costs. Or maybe you love going out for drinks with pals on a Saturday night. Every other week skip the night out on the town and instead host get-togethers at each others' apartments to save some cash. 

The same goes for other habits: If you love shopping, try skipping the mall every other time and going to a thrift store instead. Or when going to the movies, skip the expensive popcorn and instead sneak in some snacks from home instead. It'll all add up.

Image found on Pinterest here, from Tumblr.