14 Things You Should Never Pay Full Price For

Love reading the latest releases but don't like paying full price? Make the switch to an eBook reader. New eBook releases are significantly cheaper than their hardcover counterparts. Plus, you can take out most new eBook releases directly from your library – for free! You know, it's the little frugal habits that'll make you a millionaire in the long run.

In most cases the posted price on a new car is where you start bargaining. If you can't get the price you want, get the dealer to throw in a package of options. And don't forget, you can save big and still get the new car smell if you buy last year's model.

Cruise prices are like car prices: you work your way down from the posted price. You can always find good deals on last minute cruises – if you can stand the waiting. If you'd rather have advance plans, keep your eyes on the big travel websites like Expedia, Travelocity and Orbitz. You'll also find worthwhile incentives on the big cruise line websites. There are lots of discount cruise websites, too. But exercise caution. If something sounds too good to be true...

Getting a good deal on insurance is as simple as shopping around every year at renewal time.

Before you buy in-store, investigate the deals you can find online. It's easy: enter your prescription information and get a price. You can save even more by using an online coupon and by buying in bulk.

Like shoes, the best deal on new clothes is at the end of the season. If you're a popular size, you've got to be quick.

Before buying anything online, do a search for a coupon or promo code. Many companies offer them, it's just a matter of finding them. Check websites like RetailMeNot and DealStreet before you click 'buy'.

When shopping for big appliances, keep an eye out for when the models change. Don't be afraid to ask a dealer.

If you don't care about cosmetic imperfections, you can save big by buying a scratch and dent or demo model. Make sure you get a full warranty.

Cutting back on your utilities is one of the easy ways to help you save $1000 a month.

Every once in a while retailers will have amazing deals on laundry detergent – just stock up. Another trick to save money? Be aware of how much detergent you're using in each load. Most people use way too much.

If you find that magazines are getting really expensive, you're not alone. But you don't have to pay those high cover prices – simply subscribe. You'll get each issue for just a buck or two.

Buying older computer models can help realize substantial savings, but beware of old technology. If you're looking for the latest Apple computer, iPad or iPod and want to save a few hundred bucks, check out their refurbished website. Other manufacturers have similar sites.

Want more ideas for your money? Don't miss the most common financial regrets people have.

Electronic devices change fast. Like computers, there's always a new model. But that means dealers are trying to get rid of older models at a deep discount. Ask about demo and floor models too. Or, wait until Boxing Day – it's not that far off.

Want to save even more? Check out 10 things yhat you are better off buying used.