Find $1 Million, Here and There

If you're 30 years old, you need to set aside $448 per month for the next 35 years to become a millionaire -- if you earn a reasonable 8 percent annualized return in a retirement account. Don't have $448 to spare? Maybe you do and don't realize it.

Save $219 per month on taxes: The average refund for the 2008 filing season so far is about $2,500. If you received an average refund and you are in the 25 percent federal tax bracket, you could be entitled to three extra exemptions worth $3,500 each. That would boost your take-home pay by $219 a month. A couple of reasons you might be eligible for more exemptions: becoming a new parent or buying a house.

Save $100 per month on food: Bring your lunch and snacks to work. Considering that the average meal at McDonald's costs $5 and Dunkin' Donuts charges $2 for a large cup of coffee, the brown-bag windfall can be substantial.

Save $80 per month on entertainment: We're talking about one fewer dinner-and-a-movie night every month. That assumes you and your significant other pay the average $33 per person for a restaurant meal (according to a recent Zagat survey) and that you spend $7 per ticket, the average price at the movies (according to the Motion Picture Association of America).

Save $28 per month on health care: The typical family spends $1,321 on out-of-pocket health expenses each year, says the Department of Health and Human Services. You can pay those costs with a flexible spending account, which lets you set aside pretax dollars.

Save $10 per month on auto insurance: The average consumer pays $829 annually for car insurance, according to the National Association of Insurance Commissioners. Raising your deductible from $250 to $1,000 can save you 15 percent or more.

Save $8 per month on a well-maintained car: Keep your car's engine tuned and tires inflated to the proper air pressure. Those minor improvements can save you up to $100 on gas each year.

Save $6 per month on generic non-prescription medicines: The average American spends $185 annually on over-the-counter medications. Generics cost up to 40 percent less than their brand-name counterparts and work just as well.

The total: $451 saved.