use cloth napkins and cloth towels instead of paper napkins and paper towels. while you do have the upfront cost of the cloth items, they're still not very expensive and over time will save you money. if you're concerned about having dirty napkins and towels, buy extras so you can always have one or two in the rotation while you're washing others. and you don't always have to wash them in the washing machine. sometimes, I just run them under water for a few seconds and then hang them up to dry and use again. I used different napkin rings for each napkin to make sure I keep track of which napkin belongs to which person, as I don't think anyone wants to share a napkin that has been used without a serious wash (even if you are family).