I am going to target everything we do on a daily basis with this Instructable in hopes that we can pare down our lifestyles to something that can be considered sustainable, both financially and ecologically.
Step 1: Change Your Attitude
Don't get me wrong, I love the freedoms that being an American affords, but the abuse of these freedoms destroys so many more lives than the ones it enhances. We must change our state of mind so that our percieved luxuries include less waste and reliance on the suffering of others. But let's not get preachy. Let's get practical.
Step 2: Buying Food
Farmers Markets: moderate savings
I have found that farmers markets usually have very competitive pricing on their goods. Along with these cost-savings, farmers markets are guaranteed to be local, which means that the food did not travel very far. The shorter a distance the food travels, the better it is for the environment. Also, these market situations promote a greater sense of community and social interaction. Those are good things.
The Nursery: high savings
Go buy some seeds and/or plants that you can harvest. This option does take more effort and time on your part, but can be very rewarding. Not only will you learn about how magical plants are, you will have the satisfaction of saying "I made this." Chances are that if you are reading this, you prefer to say "I made this" rather than "I bought this."
If you do find yourself needing a store, try to buy as many products that are the store's own brand. These are always cheaper and almost always exactly the same product.
Don't look at the price. Look at the price PER OUNCE. Most food products will have a little number somewhere on the shelf-tag that says the price per ounce.
Don't be fooled by sales and great deals. Sales and price reductions are meant to catch your eye and get you to buy things that you don't need. Always enter a shopping situation with a game-plan. Buying something you don't need for really really cheap is still buying something.
Step 3: Finding Food
Get over your fears of eating other peoples' leftovers. For some reason, everyone is afraid of cooties. Sure, there are very real and very dangerous germs, but someone will probably tell you if they've got something truly dangerous before you eat their food. Also, try to limit your own portions so that there is very little waste.
Take a page out of the Portland Fruit Tree Project's book. If you see someone with an obviously unattended fruit tree or vegetable patch, knock on their door and offer to take some of it off of their hands. Simple. Free. Delicious.
Being a part of clubs/organizations ( like Human Powered Vehicle teams ) that host events is great. Planning appearances at said events during meal times is a fantastic way to save on meal costs. When it really comes down to it, you don't even have to be a part of the group. Sneaking food off of a table is easier than you'd think. If you get caught, just put the food in your mouth and leave. They were gonna throw away the leftovers anyway.
Step 4: Consumable Liquids
Bottled water is the devil. Unless you are living or travelling in a country without a clean tap water supply, avoid bottled water like the plague. Do not buy it. Refuse it if somebody offers, even if it's the only thing available. Chances are there is a drinking fountain somewhere. Bottled water isn't even guaranteed to be cleaner than tap water. It is one of the biggest scare-tactic industries in the world.
If the pipes in your home are very old and contaminated, consider buying a fridge or faucet filter. These will remove pretty much everything you need to worry about from tap water (in the US).
Imagine a world where everyone used batteries in their home instead of the electricity coming in through the power lines. Why would you do that with water?
Replacing your coffee with a little extra sleep and your sodas and juices with water, you can easily cut down on your daily costs.
Step 5: Dumpster Diving
Step 6: Transportation
Subjects A and B just got out of college and moved to the same city. They have the same job, but different attitudes.
Subject A decided that he's moving up in the world so he should buy a car. To be the earth-friendly person he is, he purchases a lean, green, hybrid machine (or just a car in general). Subject A now has monthly payments to cover the car and insurance and he must pay for gas. Oh, and there's maintenance too. This can easily be anywhere from $7000 to $12,000 in expenses per year.
Subject B decides to stick to "alternative" modes of transportation. He commutes to work on his bike, takes the bus when the trip is too long, and takes the train to other cities when necessary. To be fair, he buys renter's insurance for the bike and his stuff, but his maintenance costs are quite low. And no gasoline. Even with a monthly bus pass, train ticket or two, and maybe even a couple cab rides thrown in, his costs are quite a few thousand dollars less than Subject A.
There are many factors that determine if you MUST use a car or not, but the trick is at least to think about all of them and consciously decided which ones really are "musts" and which ones can be changed. There is no rule that says you must drive everywhere if you own a car. The savings are in your legs.
Step 7: Social Interaction
Invent a sport
Movie/historical battle reenactment
Naked pillow fight (not recommended with family -- only special friends)
Cook (involve everyone in the eating AND preparation)
Art Gallery Hopping (possible free food)
Jam Session (does not necessarily require musicians)
Make a Collaborative Instructable
Step 8: Around the House/Energy/Water
Don't refrigerate something unless it REALLY needs it. This also goes hand-in-hand with buying food more often. Think back to the days when people would buy food daily because they couldn't keep it cold. Plan what you want to eat for the week, while keeping a good stock of general foods that really don't go bad. An hour of planning on the weekend can make all the difference. Knowing what you will make ahead of time also reduces waste. You might even be able to switch to a smaller fridge.
Living Room/Den/Entertainment Cave:
Power strips are your friend. Electrical devices like DVD players, TVs, speaker, computers, and gaming systems leech energy while not in use. If you plug them all into a power strip, you can easily cut power to everything when you leave the room.
Purchase a water-saving shower head. These can reduce consumption by half when in use, and some even have a "low-flow" mode for when you are soaping up but don't want to turn the water completely off.
Put a brick in your toilet. This will displace some of the water in the tank, recuding the amount used per flush. Push the limits of how much water you can save this way. Remember, you can always flush twice if need be. Buying a dual-flush toilet is nice, but can be pricy and we're trying to save money.
Use sunlight/shade to your advantage. If you have large windows that get lots of sun during the day you have a lot of options. Plant trees outside of them that provide shade in the summer, but let the light in during the winter when the leaves fall off. A similar effect can be achieved with your blinds or curtains. During the summer, open your windows and blinds at night to let the cool air in and then shut them in the morning to keep it in and block the sunlight from heating the house.
Change your thermostat a few degrees and increase your tolerance for being "too" cold or warm. Adding/removing clothing is very inexpensive. Make yourself a quilt to stay warm.
Do the whole CF lightbulb deal.