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Even if your household income is well above $30,000 a year, you could use these tips to save money and help you stretch your income. Living frugally can even become a challenge or a game where the whole family pitches in with suggestions for cutting costs. If you live alone you could still make it a game where you challenge yourself to cut your costs by a certain percentage. You would then reward yourself every time you met your challenge. This wouldn’t have to be a big reward – it could be something as simple a dinner out or a new computer game.