One way to accumulate assets for retirement, education, or other major goals is to reduce your spending. Studies have shown that these savings can add up over the years to a substantially increased nest egg.

1. Prepare A Financial Plan

2. Save Your Income

3. Cut Your Mortgage Costs

4. Cut Your Credit Card and Consumer Debt

5. Cut Your Credit Card Costs

6. Cut Your Bank Fees

7. Fine Tune Your Insurance Coverage

8. Cut Your Utility Costs

9. Cut Your Phone Bills

10. Forego One Big Expense Per Year