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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Pay in cash
Monthly savings: $500*

You'll spend 20% less if you pay the old-fashioned way instead of whipping out the plastic, according to researchers at New York University and the University of Maryland.

NEXT: Use web tools to save
Last updated August 17 2009: 9:37 AM ET
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Note: Assumes income of $150,000, 20% spent on discretionary expenses
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