2. Get a library card.
3. Learn to cook a few simple meals.
5. Plan your fun spending in advance and only use cash.
6. Embrace no-spend days.
7. Sign up for loyalty programs.
8. Negotiate like a boss.
10. Make your savings account work for you.
Start saving today with help from Navy Federal Credit Union! As a member, you have access to a range of savings, checking and loan options, and access to a financial counselor.
All illustrations by Kevin Valente © BuzzFeed
Navy Federal is federally insured by NCUA and is an Equal Housing Lender.