Get a debit card that gives you cash back.  I don't know how many banks have this, but I am loving it.  I just used my debit card to pay rent, and got $9 cash back from the puchase.  That's probably my biggest bill, but still, that's like saving $9 a month on rent.  That's an extra $100+ a year!

Or, get a money market account or a checking account that pays you interest.

Or, check into how you pay your bills.  After finding out about the cash back, I was going to switch my car insurance to be paid monthly with my debit card.  But when I called, they told me I could save $3 a month having it directly withdrawn from my checking account.  That's more than the cash back on the card and one less hassel for me.

I have a PayPal account and am getting better benefits from it than I have from any regular bank account.  I used to just use it for eBay, but recently I thought about it, and I'm starting to use my PayPal account more.  I've made my PayPal account into a money market account, so now I earn 4.7% (currently, it's subject to change) on my balance.  And I get at least 1% cash back on any debit card purchases (when I use it like a credit card) because I list my eBay listings as PayPal preferred.  And I only sell a couple items on eBay each year.  In fact, I think I've sold less than 20 items total on eBay in the 6 or so years I've been on.

Since I get better terms in my PayPal account, I've decided to start using it more like a bank account.  And if I don't have enough money in my PayPal account to cover a debit card purchase, it pulls the money from my regular bank account to cover it, and I still get the cash back.  But, I do have to have money in the PayPal account to get the 4.7% from the money market.  The only downside I'm finding with this is that it takes about 3 business days to transfer money into the PayPal account, so it takes a little bit of pre-planning.

While I'm singing PayPal's praises, I'll also add that I like they way they show my transactions.  As soon as anything is charged to my debit card, it shows up as a pending transaction, even if the money's not taken out yet.  My regular bank account doesn't do that.  When I use my checking account debit card and forget to log it in my checkbook, it can throw me off and sometimes I don't see it come out of my account when I look online for a couple days.  I don't have that problem with PayPal.

At any rate, I guess all I'm saying is with money getting tighter, it might be worth looking into the options your bank, or competing banks, offer.  A checking account that earns interest or a debit card with cash back might give you an extra Starbucks a month at the very least.  Or, take a look at how you pay your bills, sometimes certain payment types will give you a discount on your bill.