These are still very good steps. Here's one more for a complete 10

Negotiate

Negotiation on purchases is not as common in the U.S. as it elseware. Everything is negotiable, bills, finance charges, prices, services. Keep that in mind when doing business. Shrug off any perceived embarrassment and proceed especially when dealing with charges on bills. Always call and ask if they can wave fees. It is certainly worth your effort when at least 50% of your requests will be honored.

When purchasing online always request a discount for multiple purchases or shipping costs. As an online retailer I am never put off by such requests.

Even in a stone and morter store you can negotiate pricing. Try it sometime, I have had it work on more than one occassion.

Do your homework, know what you should pay beforehand and you will find these efforts to your benefit.