1. Downshifting.
You might try to limit the number of services you purchase. Anytime you can do something for yourself instead of paying someone to do it for you, you can save considerable amounts of money. You could do your pedicure yourself or ask if your spouse or friend could do a massage for you.
You can try to eat out only infrequently, if at all. It is easy to get in the habit of stopping for a quick meal instead of taking the time to cook dinner, but this is one area where there can be really big savings, plus the real food you cook at home is always much healthier. You could also ask your children or spouse to prepare meals with you and then it is much more pleasant.
You could change the way you shop for groceries. Comparison shopping and buying to restock your pantry and your refrigerator when items you use regularly are on sale results in huge savings. It helps you as well because then you do not need to do the shopping so often.
It could be possible to live green. Recycle clothes, start composting, and limit what you throw away. Conserve gasoline, electricity and other resources to help reduce your carbon footprint. You could buy a pair of thick woolen socks which are very warm and after that the temperature could be lower in your house. Perhaps you could sometimes leave your car home and walk or travel by a bus.
Kind regards Maarit