Tip 1
Consider writing down your salary and your expenses (this is a good way to see what you can put away in a savings account or with the economy and banks situation you may opt for mattress savings inc).

Tip 2
Give yourself an allowance and leave the credit cards at home

Tip 3
Take a bag lunch to work and skip going to lunch with co-workers or go to lunch with co-workers once a week instead of everyday

Tip 4
When getting gas, only use the self-serve this way you can manage how much money you use on gas. When you use full service, you will pay more

Tip 5
When food shopping always have a list to keep you from impulse buying and never food shop on an empty stomach. Make sure you only clip coupons for things you already use and do not get coupons for something just because it is on sale.

Tip 6
Find out if the company you owe will debit your account each month-this is a good way to ensure you do not get late fees ***you only have to set it up once***

Tip 7
Do not use checks to pay for your bills, unless your checks are free. Contact the company you owe and pay over the phone using any free service they offer for payments (not all payments over the phone are free)

Tip 8
Set up a triple pay for your phone, cable and internet. Look for bundles in your area. Cablevision and Verizon offers bundles (contact your cable provider to find out if they have any discounts or bundles)

Tip 9
Periodically check your bills to make sure you are not being billed for a service you did not ask for because sometimes the Phone Company or Cable Company will charge you for things without your permission.

Tip 10
Consider quitting an expensive habit like smoking, excessive drinking, or excessive caffeine consumption

Tip 11
In the fall try using your lawn mower, instead of raking, it will save you time, aches and pain and money on trash bags. When you mow over the leaves they turn into mulch for your lawn.