Thanks to Harold Pollack, personal finance index cards are all the rage. Today, the New York Times even has an index of popular index cards. Many of them share the same suggestions: pay off your credit cards, max out your 401(k), invest in low-load index funds, etc.
This is excellent advice. But how do you do it? Where do you get the money for this? For that, you need Kevin's pre-index card. Not everything here works for everyone, but most of them will comfortably reduce daily expenses for most people without too much angst. And you can add your own ideas in comments. Enjoy!