Ten swaps that when combined will save you $5,000 a year

When it comes to cutting costs, consumers always look at the big stuff. Postponing that vacation. Keeping your car a few more years. Nixing the addition on the house. Yes, those things will save you some money, no doubt. But it's often the little things that can make an even bigger difference. Check out this article courtesy of The Wall Street Journal Online and Yahoo Finance for tips that, when used, can consistently save you money every week, every year.