I’m coming to a more frugal mindset later in life.  I used to think, 'Oh it’s only a hundred bucks', but then I began thinking about alternative applications for that money and it began to hit home for me.  What else would that $100 do for me?  Help fund an IRA, pay down extra on my house note, go towards a special vacation?  Oh well then.  Thought about in those terms, I began to take more interest in saving on things that weren't difficult to do, or that I didn't really care about, or that didn't affect my quality of life.

Here I've shared some of those things with you and over a year they can add up to Real Money.