Tip 1: Donating to Charity

How you give to charity can affect your taxes. Instead of writing a check to your cause, consider donating stock. The charity won't have to pay the capital gains and, since you no longer own the stock, neither will you.

Tip 2: Enhancing Your Workout

One of the newest fitness trends is to use the internet as part of your workout. For a monthly fee, you can download customized workouts or individual workouts from top trainers to your portable MP3 player. It's like having a personal trainer in your ear.

Tip 3: Tollbooths Made Easy

Take advantage of tollbooths in your area. See if your route makes use of an automatic toll collection system, such as E-ZPass in the Northeast, SunPass in Florida, TxTAG in Texas, and FasTrak in California, so you can whiz through the tollbooths.

Tip 4: Gym Membership Savings

Here's a few ways to save on gym memberships. Ask how much you'll save by purchasing an annual membership vs. a month-to-month one. Join with your spouse or family to save. Plus, see if your health insurance reimburses you for part of your gym dues.