I think the cheapest way to save money is not to go out for lunch!

If I want something that costs more than $25.00, I wait 24 hours before I buy it. This is mainly exercised in Wal-Mart. I see things I have to have, but it usually isn't important enough for me to go back the next day to get it. That means I didn't need it in the first place....It really works for me.