Ok--so at the risk of sounding like one of those infomercial spazzes--"You too can own a new $400.00 kilt for Free*"

I know times are really tough--trust me--I live in Detroit. With the economy as it is, it can be hard to justify the expense of a new kilt sometimes. Well, here's what I did last year (it's also worked for free* vacation spending money).

Simple saving trick: Do not pay correct change for any cash purchase--when possible use cash for as many odds/ends purchases as you can. Let's say a cup of coffee costs you $2.25. Pay for it with $3.00 and pocket the .75.

Your pockets will soon fill with change. Collect/sort/roll this change and save it for one year. Last year's total for me $427.00. Prior year's total: $401.00. It helps if you committ to not making a withdrawl from this stash. Saving by not 'feeling' it = free* $$ at the end of the year. Think about it--a dollar in change per day $365.00 per year.

This can be a good way to save for a 'tank', made-to-fit-kilt jacket etc. Especially when you think of the average wait-time to have these items produced.

I know it sounds simplistic, but its helped me.