20 ways to cut back on spending

With world finances getting jittery again, maybe it's time to highlight a few measures to help us all spend as little as possible while remaining comfortable in our homes.

Spend less than you earn. Not just today and this week, but all the time.
Spend only on needs, not wants.
Make up a workable and realistic budget and stick to it.
Stockpile food and groceries - this is your insurance