Creative individuals have come up with some household uses for powdered milk that can really help save some money. It removes ink stains, polishes silverware, makes whipped cream and softens your skin in the bath! Talk about four-in-one!

If you're running low on cash, try saving by finding free samples. Our faves include the makeup and beauty samples at Sephora, chowing down on fresh veggies at the farmer's market and snagging CDs and books from the local library.

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Fill cup with water, insert credit card, place in freezer. Repeat. You're really going to stop spending this time. From now on, it's debit city.