•  ut down on "luxury" spending. If you only C go snowboarding or skiing twice a year, it might make more sense to rent equipment instead of buying the latest model and watching it collect dust the rest of the year. Renting movies instead of paying $8 or more to see the latest release and bringing lunch to work are other ways you can watch your bottom line without cramping your own style. It may be difficult at first, but once you start you'll see that a little bit of discipline can make a big difference when it comes to finding the money to pursue your financial objectives. Ameritas Life Insurance Corp. of New York Ameritas Life Insurance Corp.

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