If you use a cell phone, make sure your calling plan matches the pattern of calls you typically make. Understand peak calling periods, area coverage, roaming, and termination charges. Prepaid wireless plans tend to have higher per minute rates and fees but may be a better option if you use the phone only occasionally.

Have a restaurant or store that you absolutely love? Go to their website and see if they have a mailing list. Join it and they may send you notifications of sales and even coupons!