Turn Out The Lights
Turn off lights when they're not needed. Not just when you leave a room, but also when there is enough natural light that you don't really need them to be on. In addition, put outdoor or porch lights on a timer.

Use Energy Efficient Bulbs
Energy saving bulbs can be big money savers. Some people don't like these types of light. In this case, don't use them in areas you spend a lot of time. Instead, use them in the garage or porch. Every little bit helps.

Turn Down The Heat
The next couple of tips are really timely at this time of year. If you're walking around your house like it's summer in February, you're spending too much on heating. Turn the thermostat down to a level everyone can cope with comfortably while appropriately dressed.

Use a Space Heater
It can be far more cost effective to use a portable space heater than to heat an entire room.

If it's just you reading a book in the living room, then use a space heater and maybe a blanket instead of cranking up the thermostat.

Use Sponges and Rags
For day-to-day cleaning or to wipe up spills, use sponges and rags instead of paper towel. Not only are they re-usable, it can save you quite a bit of money. Paper towel is convenient, but perhaps too convenient, and it's easy to use a lot of it if everyone reaches for it every time there's a spill on the counter.

It's easy to think we'll save money by making a dramatic cut in our spending or a change to our lifestyle. The truth is, big changes can be difficult. Small, incremental changes to how we spend our money will have a tremendous long-term impact.

Try this experiment. Choose an area of your spending where you can make a small adjustment. Then track it over a few months. Not only can this be eye opening, but it can be very motivating.