Good morning and I'd like to start by congratulating the Italians on their world cup soccer victory.
I'm Kerry J Harrison co-author of "Untapped Wealth Discovered" and today I'd like to answer a query from Josh Creigher in Kansas City.  Josh would like us to give him some suggestions as to how he can cut some corners when it comes to cutting down on some unnecessary expenses both at home and at work.  So, here goes but before I start I am very sure that many of you are already aware of most of these suggestions. 
You can brown bag to work more often if you are already not doing so.  If you are in the habit of eating lunch out at work then you can cut expenses here by taking your lunch to work and while you're at it you can pack some healthy snacks to help you cut down on those extra cups of coffee and muffins.  If you do it right you can save about $2000 annually and you don't have to do it by brown bagging it every day.  Just make sure that you brown bag more than you eat out.
If you're a smoker then stop smoking and if you are an average to medium high smoker then you can save about $5000 annually.
If you can, leave your car at home and take public transit as often as you can.  Not everyone can do this but if you can then give it a whirl.  You can save on expenses here by not paying for gas, parking fees, and wear and tear on your car.
You may even want to try the car pool option as this can also go a long to help you save some money.  If you are unable to take public transit then you may want to travel to and from work during those hours where traffic is lightest.  This would mean less time spent on the road and consequently less gas to burn. 
You may also want to use a smaller car that burns less gas when driving to work.  Like I said before, most of you are probably very aware of these types of savers but I hope that this helps Josh.
Thank you Josh for your query.
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