If you're spending too much on pay television, consider firing your monopoly cable or satellite provider and joining the 1% of Americans who watch all of their TV on Internet connections. YouTube has launched feature-length programming, plus there's always Joost and Hulu. An estimated 20% of cable programming is now available through the computer.

Firing your cable or satellite provider can save you more than $1,000 annually. Two of Clark's staffers have done it and they'll never go back. What about you? Don't go cold turkey, but see if you can ease your way into it. Also, the lowest level membership in Netflix allows you to get the Roku box and have a huge library of content on-demand.

Still need another way to provide a little extra cushion in your wallet? Try cutting back on bottled water, which can save you up to $1,400 annually. You could instead be drinking tap water and paying less than a dollar for an entire year! Meanwhile, a new study from the Environmental Working Group finds that several bottled waters had an average of 8 contaminants per brand, including pharmaceuticals, arsenic, radioactive isotopes and more. Yuck!