1. Instal power saving bulbs to save 25% on electricity bills. 2. Make ghee out of malai left from milk and use it to make vegetables.. This will reduce your edible oil consumption. 3. Buy 10 Kg bag of Flour from wholesale shop. Will save you 10%. 4. Cut down petrol consumption by walking or taking a bus sometimes. 5. For a couple of months, buy cheaper dal and rice. Masoor dal is most expensive. avoid that. 6. Use less onions and tomatoes in cooking. 7. Sell all scrap lying in your house. Items which have not been used for 6 or more months are useless and must be sold. 8. Stop buying all accessories for a few months like After shave, skin lotion and other perosnal care items.