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Some of these suggestions take just a few minutes, while others require a bit of regular effort.

Still, they’re all incredibly simple – anyone can do them.

Even better – include a personal handwritten note with the gift.

Avoiding instant gratification is one of the most important rules of personal finance, and waiting 30 days to decide on a purchase is an excellent way to implement that rule.

That’s why we created this list of 100 ways to start saving money today.

None of these tactics will be life-changing on their own, but they can make quite a difference over time if you’re able to implement more than one.

Creating a list before you go to the grocery store is especially important.

It’s true that interest rates are not what they once were, but it’s still worth a look.Quite often, after a month has passed, you’ll find that the urge to buy has passed as well, and you’ll have saved yourself some money simply by waiting.If you’re on the fence about a purchase anyway, waiting a while can give you a better perspective on whether it’s truly worth the money.Play cards, sit around a fire pit, or watch movies with your guests. Don’t toss out a shirt because of a broken button – sew on a new one with some closely-matched thread.Don’t toss out pants because of a hole in them – put in a patch of some sort and save them for times when you’re working around the house.

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