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Ditch the paper products.
Cloth napkins over paper is a no-brainer (cloth instead of paper for a family of four adds up to $12 savings per year), but you can also swap your paper coffee filters for a metal mesh filter (saving $8 this year after paying for the new filter, and about $18 annually thereafter), paper towels for dish rags (annual savings: $40), and memo pads for a mini chalkboard ($15 this year). Total savings: $75 (plus a lot of trees).

More Money Advice:

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Please note: This is general information and is not intended to be legal advice. You should consult with your own financial advisor before making any major financial decisions, including investments or changes to your portfolio, and a qualified legal professional before executing any legal documents or taking any legal action. Harpo Productions, Inc., OWN: Oprah Winfrey Network, Discovery Communications LLC and their affiliated companies and entities are not responsible for any losses, damages or claims that may result from your financial or legal decisions.

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