This is a simple, yet very important tool in cutting back on your expenses. It can be implemented for any sort of shopping (Christmas! Birthday! Back to School!) but is vital to grocery shopping due to the temptations being surrounded by food provides. Once you’ve got the list in hand, though, the only way to shave money is to actually follow it. Do not buy anything that is not on your list and “voila!” you’ve “shaved” some money.