I collect water. I keep a bucket in the bathroom and fill it while waiting for the water to get hot. I pour it, along with water from my dehumidifier, into my washer and use it for my next wash load. Not only does it save water but it also saves on sewer cost since that's based on water usage.

I heart Ramit, don't hate! He's right and Bach is right, they aren't mutually exclusive. I have saved 65 cents over and over again by keeping tea bags in my office. Instead of rummaging though my purse for change to give to the soda machine bandits, I grab a tea bag (sometimes, anyway) and heat up a mug o'tea. Sure, I pay for the tea bags, but a box of them is around $2.99 for the rooibos I like, and a box of 18 bags makes 36 servings (I use my teabags twice). That works out to less than 9 cents a mug. Ramit can poo poo that, but it's my latte effect, and it's as real as calling to renegotiate my credit card rates was (did that too).

I would start out with mere basics such as with everyday things that you would find yourself doing such as eating at home more often, shopping less at the grocery store, and using your credit cards less if possible to avoid interest rates and other fees.

Statistics show that 19% of all meals are eaten in the car. That's expensive. Eating out for lunch is even more wastefully expensive. I've stopped doing both. Start there. If you aren't willing and able to save at the low hanging fruit level, forget the Ramit hype.