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... when eating out Tip 11: Get pets at the animal shelter for almost free Tip 12: Have less stuff Tip 13: Haircuts at home Tip 14: Walk instead of drive Tip 15: Credit card points Tip 16: Avoid dry cleaning Tip 17: A Subway $5 footlong is a good deal Tip 18: Use energy efficient lighting Tip 19: Improve home insulation Tip 20: Reduce your house payments with a mor...