Cut your spending by $500 a month

In today's tight economy, who doesn't want to free up some cash? Trim the fat but not the fun from your budget - here's how.

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Join the club
Monthly savings up to: $25*

Sometimes you have to spend a little to save more. These upfront outlays can yield big payoffs.

Get carded. Nab discounts by paying a membership fee at businesses you frequent. A $25 Starbucks Gold card will earn you a 10% break on lattes and pastries (worth the price if you spend at least $21 a month), plus two free hours of Wi-Fi a day.

Buy the book. Discount coupon books like The Entertainment Book may seem cheesy, but for $10 you can get discounts of 10% or more at restaurants, theaters, and other venues in your area, along with other freebies. Or go online for discounts at entertainment.com and restaurant.com.

Drive a bargain. A $73 annual membership in AAA doesn't just buy you maps and a free tow when you need one. You'll also qualify for hundreds of discounts, and not all of them involve travel: 6% from Dell, for example, and 10% from Target.com.

NEXT: Tip judiciously
Last updated August 17 2009: 9:37 AM ET
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Note: Assumes 12 Starbucks drinks ($4 each); one free concert a year, restaurant/mo. through Entertainment Book for Cleveland; 10% off on $700 seven-night hotel stay; 30% off on four theme park tickets; $20 off at Target.com; minus membership fees.
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