There are thousands of tips out there for saving money, from t he ingenious (like cooking two batches of a meal and freezing one) to the absurd (like separating two-ply bathroom tissue to create two rolls from one). The thing is, belt-tightening isn’t a one-day event. It’s a process—a change in habits. Here are five over-arching ideas to keep in mind as you begin the adventure of paring down your spending.