I really like saving money. It's my natural tendency after so many years of practice – and I have to try to hard to “splurge.”

I think my ability to save is a valuable asset, so I've put together a list of things that I DO NOT spend money on.

Car Payments: I've never made a car payment and I vowed to only purchase a car if I can pay fully in cash. A car is a pitiful excuse for an investment. the value just goes down, down, down. I'll let you eat the depreciation then buy it for pennies on the dollar in 6 years. Cable TV – Why would I pay $60/month to watch a bunch of junk every night? A cheap digital antenna and streaming provide all the mindless entertainment I can stand. DVDs – I borrow from a friend or use a free redbox rental. Music – Why pay when free sources such as Spotify, a friend's music, Pandora, etc. are available? Trash Bags – I always use plastic ones saved from the grocery store. Full price movie tickets – Instead, I occasionally go with the wife if it's half off. Snacks at the movie theater – Bring your own. Hair Cuts – My brothers used to cut my hair when I was a child, and I have cut my own for the last few years. Gym Memberships – Tons of home workout programs can be found for free online. More than that, most people won't use a workout system more than a week. Ever heard of an evening jog, 100 jumping jacks, and 20 pushups? Cigarettes – Pay to shave years off my life? No thanks. Overpriced Cellular Service Soda – Except Zevia, which is a stevia based soda

Car washes – Come on. DIY. The Local Paper – It's all online, for free. Most local “news” is a complete waste of time anyway. Tanning – What ever happened to good old fashioned sunshine? Try washing your car to tan for free. Extended Warranties – Almost always a long term loser. Fast Food – Rarely, if ever. Expensive Sunglasses – The Dollar Tree has an excellent selection for $1. Lotto tickets – “The lottery is a tax on people who are bad at math.” Valet Parking – No thanks! Gotta love that exercise.

What things do you avoid paying for?