My list would be more specific.
2) Don't be a hostage to an expensive data plan a simple text phone will do.
-- We've been working with Trakfone service for about $9 a month for our mobile phone lifetimes. But I will pay for an Android/wifi TrakFone if they every bring one out, or maybe switch to a different pay as you go provider when my current air-time activation runs out.
3) brown bag it
-- or Tupperware it
4) clip coupons - use your reader to find coupons on line.
-- One of my sub-rules -- only use a coupon if it's for something that you *really* were going to purchase anyway. Lately, I have found fewer and fewer like that, by the way.
6) If you have to drive to the gym consider buying a cheap set of sneakers and a treadmill.
-- I'll demur on that one -- even on the sneakers part. If the expense provides you with a real fitness benefit, it's worth it. And good shoes, too.
7) never, never use a credit card...avoid all consumer debt.
-- I've been a long term user of Amex Blue -- last three or four years at least. I'm going to spend the money one way or the other -- and 5 percent back on grocery, pharmacy and auto fuel purchases -- well that adds up to a pretty big annual savings. That said, I've never paid a penny in interest and only other charges have been some exchange fees for purchases made while traveling.
I see people paying cash in the market and basically feel guilty -- they should be getting the discount -- not me. But the system says otherwise.
Make use of the library - you can borrow books electronically if you have a kindle/reader
-- My wife the librarian agrees wholeheartedly with the general concept.
13) buy a 2 year old car -focus on reliability and utility.
-- Mine have tended to be 4 or more, with similar focus
14) buy the basic cable - forgo the premium channels
-- How about -- no cable. Free TV is alive and well. A little antenna and if your TV is equipped with the right kind of tuner (most are, now) most people can get free TV OTA (over the air) and the signal is better than cable or satellite.
The most important rule of all pick your spouse carefully, understand how they feel and behave with money. The best laid plans can be ruined by a spend thrift partner. When we were dating a short while my wife suggested we buy a steak and cook it at my place rather then eat out...keeper alert!
-- Point well taken. I did much better the second time around.