David:

Thank you for your books, I have read Smart Woman Finish Rich and now the Automatic Millionaire Homeowner and enjoyed both. Here’s a couple of my successes in the latte factor:
1) have your utility company come in a do an audit. Some small changes that they recommend can really add up to savings and they do it for free.
2) we made a list of all our soap, health and beauty and toilet products that we use (toothpaste, toilet paper, shampoo, washing machine detergent, etc.) and we go once a month to major “Mart” store to get it all. We never run out, it’s cheaper than in grocery stores and it saves time and aggravation.
3) shop for car insurance. You may think you’re getting the best deal but without periodically shopping around you might not be. This can save you hundreds and have no impact on having to give up something.

Thank you for your advice. You’ve got my brain power working.