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Grow annuals from seeds. It's much easier to buy flats, but seeds are very inexpensive.
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Rather than buy plants, trade plant clippings with friends. They're free!
I pay most of my bills electronically through credit-card debit or bank debit. I'm never late and I don't have to pay penalties.
The Web site at www.billshrink.com can help you analyze your cell-phone bill to determine whether you'll save money with a different plan.
Call up your Internet, phone, and cable companies and try to get a better deal. I cut my Internet bill in half that way.
Don't go to coin machines that charge to convert your change to bills. Some banks offer that service free.