Ready to play a game I call Want or Need? Here's how: Run through your monthly budget (if you need to, you can use the free Expense Tracker at suzeorman.com
) and highlight all the expenses that are "wants" (anything you do not literally need to survive; please be honest!). Then start cutting those costs by 10 percent—going out for fewer meals—until you're left with $100 extra. To trim even further, check for discounts before you make a purchase. Sites like couponcabin.com
(which offer printable coupons and promo codes on everything from groceries to diapers) and apps like Pic2Shop (scan a bar code with your phone, and the app searches for online or local retailers selling it cheaper) can save you big.
—Suze Orman, host of The Suze Orman Show