It’s easy to turn five money-saving tips into smart spending habits that will benefit your bottom line year-round. First, pay cash whenever possible. (No fees,.) Be careful when buying things on sale. (Research to make sure it IS on sale.) Pick your vices. (You can’t live without a $5 latte but you can forego the $4 muffin). Work out on your own and eschew gym fees. And track your spending. A couple of smartphone apps can help you track spending, which can show you where you’re going wrong. Expensify is free, for Apple, Android and Blackberry devices. Pennies is $2.99 for Apple devices. For the full story, with more details, see our sister site, Living on the Cheap.