Cigarettes, coffee before bed, and the cheese fries at Outback are already on the list. Here’s another thing to “just say no” to: paying retail. Chances are you could use the extra cash to throw in your gas tank or to stock up your pantry. Here are a few ways to pay less even when there isn’t a big sale.

1. Go on the hunt for codes. Before making an online purchase, Google the store name and the words “coupon code.” If you locate one, copy and paste it into the promotional code or coupon code box. Voila! You’ll save some cash or snag free shipping.

2. Hoard coupons. Clip them out of the Sunday paper. Search for them online. You may even consider keeping the ones that show up in your mailbox that you normally toss in the recycle bin. Even if you don’t think you’ll use them, hold on to them. You might be surprised.

3. Haggle with people you never haggled with before. It may be a practice you save for the car lot or a garage sale. Bring out those bargaining skills at big name retailers as well. They need your money and may be willing to give you a price break.

4. Get picky. Point out fixable or minor flaws in a product. Chances are they’ll knock a percentage off the price. I did this last week when I noticed a shirt had some loose thread. They took off a few bucks.