human
I need some tips on how to save money.
assistant
1. Make a budget and track your expenses.  
2. Cut down on discretionary spending.  
3. Use cash instead of credit cards.  
4. Take advantage of bank account rewards.  
5. Try to negotiate utility costs.  
6. Try to shop for groceries using coupons.  
7. Cut the cable cord and use streaming instead.  
8. Spend less on eating out.  
9. Take advantage of public transportation.
10. Participate in peer-to-peer sharing instead of buying.