16. Don't buy anything unless you have a connect.
If you have an acquaintance that works at a retail establishment you frequent, upgrade them to "friends and family" status. You have a bank of savings all around you that you aren't utilizing. The homie hook-up is invaluable when your cash flow is low. Make the right people your friends and you will never have to pay full price for anything. Get one of those Extreme Couponing ladies to adopt you as her son and you'll start to have stores owing you dough.