We're all creatures of habit--especially when we spend. But here's the deal. Many common spending habits are decidedly unfrugal. Every year they drain your household coffers and leave you with less money. "Spend Less Now " jars you out of these expensive ruts fast. Whenever you're about to pay for anything--a product, service, or monthly bill--you review a checklist tailored to that specific expense and loaded with tightfisted tactics. Within weeks, frugal routines replace old habits. And in the process, you save thousands.

Skip the typical sermons about your finances Memorize...