Do you know where your money goes, are you carrying too much debt or would you like to have some freedom from worrying about your money? Saving does not mean going without, using coupons or only buying on sale; though the latter two are great options.

Here are nine ways anyone can divert spending to saving.

1. Resist the Logo — Buses get paid to advertise. If you require a logo you are typically paying more just to show a famous name. Most of those logoed items are made in the same factories as less expensive items. Logos simply broadcast that you paid too much. Taking less expensive items and applying gay style is simply more fabulous!

2. Skip the Storage — This one is a twofer. Do you lease a storage unit? First you spend money on stuff you don’t use and then you spend money storing it. We just sold the house and resisted putting anything in storage; within a year we wouldn’t even think about it so there is no reason to pay the rent. Instead we had a gay old estate sale and put the money in the bank.

3. Downsize to Upsize — Are you living in too much space and spending too much money filling up the space with stuff? We sold our house to be closer to gay friendly Wilton Manors with its LGBT community, and to downsize. Our house became too big for our evolving needs and we no longer wanted to pay utilities, insurance, taxes and maintenance for all that space. Even when it isn’t feasible for you to move perhaps you can rent a spare room; after selling all the unused stuff in the unused room. Perhaps you may even rent the room to the lesbian who becomes your BFF.

4. Water On Tap — Quench your gay thirst with tap water. Many big box stores sell a complete reverse osmosis system for a few hundred dollars, and many refrigerators have a built in water filtration system. Put that RO or filtered water into a stainless steel water bottle and save thousands of dollars buying juice, soda, and bottled water.

5. Watch for Free — Some of the best LGBT shows are on broadcast TV or basic cable. With the sheer number of channels premium cable services provide, can you even find the TV station you want to watch? Put your money and time to better use. Many shows are available for viewing on the Internet; if you're a movie buff, a subscription service like Netflix may be more economical than premium channels.

6. Drive What You Can Afford — A friend recently posted a fancy hood ornament on his Facebook page, alluding to his new car purchase. A car is to get you from here to there; it is not a reflection of you or your success though marketing works very hard to get you to believe that. Expensive cars are expensive to buy, repair, maintain, and insure. Let someone else pay for that money guzzler and instead of looking rich, get rich. Gay intuition always sniffs out the pretenders anyhow.

7. Eat to Live — Eating out regularly is a disaster on many levels. When you don’t stock the house with food, it is easy to eat out, call for delivery, or stop for takeout after a long day at work. Easier by far is to make a menu for the week, hit the store with a list, and buy fresh food that is easy to prepare. The obvious benefit of eating at home is that you will eat better quality, more nutritious, lower calorie and lower fat foods, which will give you additional energy. Energy you can use to stay out longer on Saturday night.

8. Avoid the Mall — Stay out of the mall. If you are in a mall more than once a month, and only then with a specific purpose, then shopping is a pleasure not a necessity. One of the best ways to save money is to stay out of stores. If you stumble upon something you simply have to have, put it down, go home and if you still have to have it in a few days by all means go get it. Buy what you need, and spend your leisure time doing something good for your mind, body or soul instead. If you don't shop for entertainment, at least you will have money for Sunday Tea Dance.

9. Stay Out of Debt — Pay your credit card bill when it arrives. Forget the minimum payment. If you can’t pay the entire balance you should not make the purchase in the first place. You will be much happier never buying with a credit card what you could not have bought with cash. When gift giving for holidays, birthdays or weddings keep your budget to the cash you have on hand. If you don’t have much, give handmade items, baked goods, or the gift of your time. It will be much more appreciated than anything you bought in a store, and remembered far longer!

By knowing where your money goes, not carrying debt and converting spending to saving you will have freedom from worrying about money.

Ric Reily is the author of two books, Money Is The Root Of All - Skip The Debt Habit, and Gregory’s Hero; his firm CFO On Call provides small business finance and operations consulting. Ric is married to John, his partner of 26 years, and lives in South Florida with their Havanese dog, Buckley. You can reach Ric at This email address is being protected from spambots. You need JavaScript enabled to view it.