MAny other ways of cost cutting : 1) Shave only alternative days 2) go to saloon only once in two months 3) Make best use of your clothes which will help it last longer thereby dithering you from buying clothes frequently. 4) avoid wasteful expenditures such as smoking, hot drinks, even cold drinks which are not good for health, buying costly battery operated toys for children, 5) Plan your spendings & try to postpone buying of certain may be entertainment equipments or appliances which will increase your overall spending apart from the cost of the articles. 6) make it a point to save a fixed amount on monthly basis come what may. 7) I would recommend some spendings on keeping yourself fit by going to gym, seeking training on yogasanas/Aerobics etc so that you remain fit resulting in less or nrgligible medical bill.