Off the cuff, the idea of curbing your personal spending habits may not seem like the most enjoyable of tasks, but you'll be whistling a different tune once you start to see the dollar signs rolling in. Start to see cold-hard-cash results, and saving takes on a fun new twist. With a few minor tweaks, you can actually save a substantial amount of money each year. Changing a few subtle habits, and you'll have a nest egg waiting for you the next time you want to splurge on a truly worthwhile purchase or dreamy vacation. We’re not asking you to reinvent the wheel; just to spin it in a different direction. We promise this won't hurt.