If you're tight on money, making small sacrifices now will pay off in huge dividends later on. Are you spending $35 a week on a mani-pedi? What about your $6 a day latte addiction? It doesn't seem like much, but annually, it really adds up. Even if you did your own nails every other week, or made coffee at home, you'd save a ton of cash. Add it up and then stash it in the bank.