I just want to add to the list: . Try to get a better job if in private . jyada malaidar location -if in corrupt services . try to exert if it means more money eg paid overtime . People in crtain cervices can even think of a part time job eg i know of a peon ; he has started selling roasted grains eg chana, peanuts etc . Replace all bulbs with second hand CFLs . If possible cook frugal & eat frugal : very less of pakwaan( fries) . Reduce on liquor; if not changeover to DESI. . No more NAWABI eg No more visiting prostitutes . If not avoidable negotiate or use cheaper ones . Think of reducing on frequency etc . If using branded clothes ; Do not buy new ones. Postone until things improve.Think about more of combinations from the clothes you have . . If you have to use a car anyway; Try to reach office before time, leave before time or late. This will save your fuel getting drained in traffic jams & unnecessary frequent breaking. . ETC
