This book provides one hundred and twenty easy to understand, practical ideas that you can use to start cutting costs today without decreasing your standard of living. No matter who you are, I guarantee that there will be at least one idea here that will pay for this book the very same week you read this! If this isn't enough incentive, conserving food, water and energy is going green. In the bulk of this work, I will present you an example budget then walk through each bill and offer several ways to save money. Using multiple ideas, you will be able to significantly decrease your spending. In many cases I will tell you how to find resources on the web. All that is needed from you is the willingness to make minor changes in your habits.