Wow. I got some great ideas off this thread!
We keep an eye out for new deals by companies whose services we're already using. Then we renegotiate. For example, we have DSL and decided that's a luxury we'd like to keep. (I'm starting an at-home business and it will come in handy!) The phone company offered a lower rate ($10 cheaper a month) for new customers. My husband called up and asked for it nicely, mentioning that we could just cancel and sign up again if giving us the lower rate wasn't ok . . . they were very nice and dropped our rates from $25 down to $15/month.
We also call our credit card company every six months and ask for a lower interest rate. Sometimes they can't oblige, but they usually offer *something* to keep our business. (And most often they do drop our rates down at least a point. I've gone from my crappy college-days 24% APR down to 9% in the last 2 years.)
EBay. I used to be a packrat. Now I'm finding a whole lotta stuff I no longer feel any sentimental attachment to whatsoever. Less clutter, more money -- w00t! Whatever I can't sell I give away on freecycle. Eventually I'll run out of stuff to sell, but I was a packrat for 28 years . . . I've got a ways to go yet. *grin*
I replaced all our cleaning supplies with white vinegar and baking soda. Much, much cheaper and better for us too.
We planted two veggie gardens and an herb garden; that's definitely cutting down on our grocery bill. I tried to plant things that are fairly expensive to buy (peppers, artichokes, eggplants, stevia, etc.) The seeds and supplies don't amount to as much as the veggies would cost.
Swapping. There's a small group of mamas here who casually trade clothes (children's and adults'), cloth diapers, toys, strollers, slings, etc. as needed to keep our houses less cluttered and save on buying new things. Anything we want back at some point is initialed in permanent marker.
Speaking of swapping, I've come to LOVE our local library. It has museum passes, DVDs, magazines, and books, all for free! We're both bookworms, so when we feel the need to actually acquire a book, we find a few books we're willing to part with and sell them at a used book store near us in trade for a new one. We spend very little, if any, money on our passion for books this way.
Mama to Qualia, 8 months