Plan gift-giving in advance.  That will give you time to decide on the most thoughtful gifts, which usually are not the most expensive ones.

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Assess clothing for quality and price.  An inexpensive shirt or coat is a poor bargain if it wears out in less than a year.

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Brought to you by the Airman and Family Readiness Center. Call 385-4663 today to schedule an appointment.

Give up premium cable channels.  It’s a lot cheaper to rent one film a week than watch one on premium cable channels.

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Think free outings. Check out the local parks, memorials and art galleries. Take a picnic. Go on a walk, hike or stroll.

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Brought to you by the Airman and Family Readiness Center. Call 385-4663 today to schedule an appointment.

Research free or inexpensive entertainment.  Use newspapers and websites to learn about free or low-cost museums, film, sports events.

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Be aware of your cell phone costs and how to reduce them. Understand peak calling periods, area coverage, roaming, and termination charges.

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Brought to you by the Airman and Family Readiness Center. Call 385-4663 today to schedule an appointment.

When driving, avoid fast start-ups and stops.  Over time, you will save hundreds of dollars on lower gas and maintenance costs.

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Use window coverings to block or let in sunshine.  You could easily save more than $100 annually while being more comfortable.

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Brought to you by the Airman and Family Readiness Center. Call 385-4663 today to schedule an appointment.