Everyone is always looking for ways to save more money and cut living costs. And if you have a kiddo just starting out on their own, perhaps some of these ideas could help them be money smart.

1. Watch out for shipping costs when buying on the Internet; they can quickly erode any savings you realize versus buying the item locally.

2. Services like Amazon Prime can help save time (and perhaps money), but be aware of how easy it is to put the "nice to haves" alongside the "must haves" in your shopping cart.

3. If you're using an online shopping service such as Amazon Prime, check out what additional services go along with your subscription, such as streaming video or photo storage. You may be able to cut back on paid services in those areas.

4. When shopping for discretionary items, impose a cooling-off period. If you see something you want, wait a week. If you still want it a week later, then pull the trigger.

5. If shopping online, try a virtual splurge. The process of putting the items you want into your shopping cart may provide a shopper's high, even if you don't end up forking over your credit card.

6. Refrain from storing your credit card information on an online retailer's website. Physically entering your information each time may cut down on impulse buys, and it's also safer from a security standpoint.

7. Look for online coupons on sites such as retailmenot.com. Typing a retailer's name into a search engine will also likely turn up a list of coupon codes for that firm.

8. Pay cash rather than using credit cards or checks. Having to hit the ATM and part with actual money can help discourage the desire to spend.

9. Minimize the amount of money you carry in your purse or wallet to help discourage spending on discretionary items such as coffee and magazines.

10. Have a garage (or basement) full of stuff you no longer need? Sell it on Craigslist or eBay.

11. Need stuff? Shop for items you need at flea markets, Craigslist, or eBay. Gently used or vintage items can be more distinctive than new ones, and giving items a second life is greener than buying new.

12. Hold a swap party with friends, where you all bring a few high-quality items that are no longer useful to you. Think kitchen equipment, decorative items for the home, clothes, or accessories.

13. Bargain when purchasing bigger-ticket goods such as appliances; you may have additional leverage if you're purchasing more than one item.

Thank you for visiting our blog and reading our latest tips on being a better Roseville Home Insurance or Rocklin Home Insurance consumer!