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Records all out goings and in-comings(earnings versus spendings)-just have it regulated and you’ll see some improvements.

Avoid using credit cards – Do not buy anything you can not afford with a credit card. Credit cards are an expensive way of borrowing than your local bank loan which offers better rates and better terms for you.

Saving account – Put your saved money in a high interest savings account. Banks such as Kaupthing Edge offer saving rate of over 6.50%

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Enjoy

Take a walk during the evenings so that you will get tired and that will help you as an exercise. There will be no need to do rigorous exercise in the morning. This will save you great deal of time in the morning which you can definitely use to make some money.

I think that many people nowadays do not use the incandescent lamps except only for the nights’ sleep which consumes very less energy. But you can avoid switching on the lights too early in the evening and in the morning as the summer light will have extended timings. If you have great many windows you can enjoy the morning sunlight and do some yoga or scripture reading.

In winter we can save money by going to bed early and using thick blankets instead of heating the whole house. Do not open windows in the winter to avoid cold air to come inside and also to avoid mosquitoes which enjoy their winter.

If it works during the summer, it’ll probably work the rest of the year. I fully realize you don’t use AC in the winter. But, if you using it less or raising the thermostat, you can do the same with heat.

Regardless of what you decide to do, actually sit down and take an inventory of what you can do now and what you can do for as cheap as possible.

Then move onto the more expensive fixes and cures.

In any event, use common sense and you’ll save a ton.

So before you get in your car always ask could I walk? Yes, you do need to plan in advance, and sometimes it does save money to go to the supermarket for the weekly shop than pop around to the 7-11 before each meal, but visiting friends, going to church and doing some small errands can all be walked to.

I also find that we need to take the car to the garage far less and that also builds up.

What I’ve been doing lately is taking my laptop to Borders or Starbucks. I’ll just order something real cheap, maybe a tea for a buck and stay there half the day. Granted, the Starbucks where I live is right next door to some really great free Wi-Fi signals, which likely won’t be the case for everyone . If you’ve got a Panera Bread where you live, they usually have free Wi-Fi though, and just as comfortable an air-conditioned environment.

I’m also walking and biking a lot more places over riding the bus or train, which is probably saving me $100 a month.