and What You Can Do About Them. I will surely stop going shopping for clothes. If you have never heard of Ross or Marshalls, consider checking them out. At these two places, you can buy brand-name clothes for less. Also consider clipping coupons for trips to the grocery stores. And, eat out less. If you must eat out, consider buying a gift certificate on http://www.restaurant.com. You basically pay $10 for a $25 meal, etc. I will talk more about it on Friday 1/14/11.