In USA Weekend Suze Orman shared her top six tips for keeping more money in your wallet. Suze’s tips go beyond things like avoiding the local Starbucks or try clipping coupons. Here’s her advice for saving more money:

1. Reassess Your Home: This is especially important if you bought your home in the peak of real estate. The value may have dropped significantly which means you shouldn’t be paying taxes on what your home was worth a few years ago. Try having it reassessed so your tax bill will drop.

2. Update Your Insurance: Nobody likes to get insurance quotes, but it can save you a lot of money. Suze suggests putting both your car and home insurance with the same company. I know my husband and I do this and it did cut down on our bill. She also suggests increasing your auto deductible to $1,000. You’ll pay less in insurance and chances are for small amounts of damage you won’t claim it anyway because your insurance rates will increase.

3. Diversify Your Savings: Suze advises putting money into your 401K up to the employers’ match. After that put whatever you can afford in a Roth IRA.

4. Increase Your Exemptions: I used to get excited when I got a tax refund– until I thought about what it was. A tax refund is getting my money back from the government that they’ve had tax-free! Suze says increase your exemptions so you get less of a refund and have more cash in your paycheck.

5. Don’t Use Store Cards: Suze warns that store cards often carry much larger interest rates. Having lots of credit card accounts could hurt your credit score, too so just avoid them.

6. Borrow Wisely for College: Suze says to be careful about spending money for college. She suggests taking a look at your 529 plan and make sure your portfolio is in fixed-interest-generating options, not stocks.