Feeling some pinch in your budget? Below are several practical ideas you can 15 16. 17 making your own 20, reducing 22 buys, 24 prices when you shop, canceling 28 29 newsletters, 31 no-cost entertainment, negotiating better payments, 37 discounts, 39 to avoid 41, and holding off on luxury items. These minor changes can 47 benefit your account. Bud