Some of the spendthrifts in your life are going to be a lot more financially conservative than they usually are -- and you should follow their example. Even if your current financial situation is fairly stable, it would not do you any harm to tighten your purse strings a little bit. Brown-bagging your lunch is an easy first step. You can even make it fun by concocting a new dish to try each day. You'll save money and expand your culinary experiences!