9) Don't buy unnecessary insurance. Review all your insurance contracts now. What you'll find is your buying options and features that are ridiculous or aren't right for you. Shop around for insurance that covers only what you need or you must have as mandated by law.
Yes, some of the above will cost us more in the short-term. The prices we pay at the checkout will be higher, but if you consider the other costs of doing business with Big Greed it's a long-term bargain.