1. Do not take more than 10 dollars in your wallet. This way not only can curb your spending desire, but also never need to pay for your colleagues’ lunch.

2. Don’t bet with colleagues, because half of the chance is you’re going to lose. Even if you want to bet, don’t use lunches as bet. You can use other alternatives, such as: drinking super hot water, crawling under the table, etc.

3. Do not buy newspapers, read it from others. Besides, reading yesterday’s news will not miss much.

4. Refuse to go shopping with the girls. If have to, follow Rule #1, no more than $10 in your pocket.

5. Take a few invalid or expired credit cards with you. If you have to pay for lunches or drinks for your friends, use them.

6. At the end of the dinning, your cell phone rings. Pretending to call anxiously, and tell your friends you are in a hurry then leave quickly.

7. Only buy one rose for your girlfriend, and told her it is all your heart.

8. Stay at the company after work as longer as you can. You can have free air conditioning and save electricity at home. Use PC and internet in the company, call your girlfriend using company’s phone.  You may get a raise if your boss likes your “hard working”.

9. If it is not urgent, do not find yourself a girlfriend. Beauties will cost.

10. Save these for yourself. Never tell anybody, especially your girlfriend and colleagues.

Editor’s Word: If you can follow all of them, you are a money saving guru.