<prompt> Human: First, I use my tax return to pay off my auto insurance upfront in one payment. Insurance companies usually offer a large discount if you pay at once. Last year this saved me 300 or roughly 13 of my bill. Not to mention its great to no longer have a monthly insurance bill. Secondly, I charge all of my expenses to my 2 rewards card and then use that money to help pay for a part of my yearly vacation. And I mean I charge everything ; gas, groceries, dining, gym, EZ pass, etc. I then pay off my credit card every week to avoid interest. This year that got me 250 towards my vacation.So what other methods, tricks, or tips do you have??  <response>: The secret is, save first, live on whats left. Dont try to squeeze savings out on the back end. 