4 Smart Spending Tips for Couples

We promise: After swearing off that $5 latte habit, these simple cutbacks won't hurt a bit. Here are 4 simple steps you can take to start saving cash today.

1. Seek Cheap Thrills
You think your morning latte is a right, not a choice? Get over it. Coffee can be made at home just like movies can be rented from the library (or Netflix). Skip the pricey gym membership (you know you won't go) and get a great yoga DVD. When it comes to dining out, why not head into the kitchen together instead.

2. Stop Phoning It In
If you and your spouse are on different providers because he just had to have an iPhone whereas you're glued to your BlackBerry, investigate a family plan on the same network. Look at old bills to determine how your monthly minutes break down and pick the tier (most companies have levels of minutes per month) that makes the most sense. If you text more than you call, get a plan with unlimited in-network messaging. While you're at it, review all of your bills -- landline, cable, Internet -- and see if you can consolidate them into a “triple play" to save money.

3. Quit Being a Lazy Luncher
If you eat out for lunch five times a week and spend about $5 a clip (at the very least!), you're looking at about $1,300 a year in sandwiches, soups, and other fast foods. So start brown-bagging it. If you want to make vegetarian chili in your slow cooker on Sunday, make sure you have plastic containers on hand so you can dish it out for lunches (or dinners) in the coming week.

4. Keep the Airwaves Open
A little more conversation goes a long way toward helping you save for the house or vacation you're lusting after. If you share a checking account, keep each other in the loop and say something as simple as “I'll be taking out $80 today." A little more conversation goes a long way toward helping you save for the house or vacation you're lusting after.

Save more by cutting your bills- find out how here.