Our landlord Miriam is one of the best cost cutters I have ever met.  I remember one time I went on a grocery shopping trip with her and she filled up two full carts of groceries, and after she had applied all of her coupons and special deals, she ended up paying about $50 for the whole thing. 

My two carts were quadruple that much, and that was the day I asked her to share some cost cutter tips with me.  One that really helped us out was her advice on cheap auto insurance.  She said that you can always start by writing down the rate with your current company and then getting comparisons on the web.