Good tips
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Cynthetiq. I will add that Roth IRAs are particularly useful for our younger members or anyone who concludes that they will have more money after retirement than they are earning now. That is, the trade-off with contributing to a Roth IRA is that you have to use after-tax dollars. If you are 50 years old, currently in the 38% tax bracket, and expect to draw a lower amount out of your IRA after retirement than you currently earn, then you are better off staying with a traditional IRA. I particularly like the tip on choosing your hobbies with an eye to frugality. Another tip in this vein is to join a club for your particular interest or hobby. Not only will you get to meet a great group of people with similar interests, these clubs often offer discounts at local vendors and hold swap meets where members exchange used merchandise at substantially lower prices or even for free. If you are just getting started in skiing, does it make sense pay $500 for a set of skis, boots, and poles?
{edit} Content moved to Living Well
Frugal Living thread as I thought it fit better there {edit}