If your goal is to control expenses over a long time horizon and you want to avoid risk, then buy this book. It provides 175 ways to live beneath your means on a daily basis, at no or low risk. Conveniently categorized into topics and sub-topics, the tips span home energy conservation, vehicle fuel consumption, thrifty shopping, healthy lifestyle choices, and other smart ideas concerning management of money and possessions. It includes a special section on how to obtain five discounts on a single purchase and also contains a notes page in each section (hardcopy only). Consider applying the tips where appropriate and in a disciplined manner, and you will see your savings grow