Don't Put All Your Eggs in One Basket

That's a phrase usually reserved for expectations or investments, but it fits saving money, too.

If you clip coupons but don't bother to shop second hand for clothing and household goods, you're spending more than you have to. If you only shop the sales rack but you compare auto insurance every 10 years or so, you're probably spending more than you have to.

It's easy to get comfortable and even in a rut when it comes to cutting costs, but relying on one area without looking up and around at all the different ways to save will cost you.

Shop sales, plan purchases, avoid impulse buys, compare all kinds of insurance costs every year, borrow or rent instead of buying, find ways to save on utilities, etc., etc.

Don't depend on one or two things to save money.