We all know the standard money-saving tips that are now all over the media.
Clip coupons, drive less, shop sales.
But small areas you probably never thought about can save nickels and dimes that build up into dollars.
These are easy, painless ways to put some extra jingle in your pocket.

• Print your own greeting cards.
  I regularly receive unsolicited cards and envelopes from charities.
  Some have beautiful wildlife or outdoor scenes.
  I print my own greeting inside using my computer and send them to grandchildren, nieces, and nephews for birthdays and holidays.
  
• Don't use drive-through windows-save gas.
  If you simply must go get fast food or coffee, park your car and walk inside rather than idling in a long line.
  But eating (and sipping) at home is cheaper and healthier.
  
• Check your car insurance rates.
  You might qualify for a senior discount, a multi-car discount, or a rate reduction based on low mileage driven.
  If your car is older, consider dropping some of the bells-and-whistles coverage.
  
• If you won't be driving for a month or more (foot in a cast; around-the-world cruise, snowbirding with your other car), call your agent and temporarily suspend coverage on the unused car.
  
• Review your homeowner's insurance.
  I recently refinanced to a lower mortgage rate and discovered the automatic inflation factor in my policy had my home valued at 50% over its appraised value.
  I asked the insurance company to re-inspect it, and I saved $100 per year with a more reasonable coverage limit.
  
• Wash out and reuse plastic food storage bags.
  Swish around warm water with a couple drops of dish liquid inside, rinse, and let them dry on the handles of your knife block.
  
• Don't buy trash bags.
  Use bags from grocery or department stores.
  If you recycle as much as is allowed, you shouldn't need giant trash bags.
  Setting out huge bags that are half-empty is like tossing a handful of change in your trash each week.
  
• Try a less expensive brand of an old standby product you have automatically used for years: store-brand paper towels, the other brand of gelatin, different coffee, a substitute laundry detergent.
  You might find you can't tell any difference from the other product--or the new one might be better.
  Continued purchases could save you money for a long time.
  

Be creative as you think of other areas where you can save money.
A little thought could help you retire on the cheap!