Overview
Remember, you do not need to spend a lot of money to have a lot of fun. So if you've been turning down social invitations for the sake of a bigger bank account, you may be penalizing yourself for no good reason. Let your people know that you're pinching pennies, and they'll be happy to adjust their proposed plans to be a little bit more modest. Plus, they will probably appreciate the chance to spend less themselves. The buddy system works well for saving money, too!