Don’t do any unnecesary driving and save on gasoline, cook meals at home more often instead of eating in restaurants all the time. Buy store brand products and cut back on the soda pop and junk foods. Avoid compulsive spending on items you can really do without (ie: you do not always have to keep up with the Joneses.

I quit smoking two and a half years ago and quit drinking alcoholic beverages over 28 yeas ago.These two alone are a big saving of money, not to mention being in a better state of health, with less medical problems.

Turn down your thermostat to 65-68 degrees and to 60 at night before you go to bed.
This probably all sounds like trying to eat a whole elephant? It took me a long time to dicipline myself to do these things but like a wise man once said…….”You are able to eat a whole elephant…… if you just learn to eat one little bite at a time!”

It doesn’t have to be that way. A budget is a tool to help us understand our own reality. It shouldn’t be used in a way to ruin our enjoyment of life – it should enhance our enjoyment of life by making sure that all our dollars are working as hard for us as we work to get them.

I have too much to say about this, I think I’ll have to write my own post too, heh.

Budgeting is good. Believe in the power of the budget :).

There are too many people out there using this system already, and they seem miserable to me, but I guess they are slightly richer.

Also, you can try tutoring (anything) in lieu of consulting.

I will pick up coins from the grass or from the street, it does not matter. They all go into my little jar at home, and then later on they go to the bank.

I have all my finances on automatic set up so I do not have to worry about depositing my paycheck etc.

When you realize how simple cost cutting can amount to thousands of dollars accumulated over time, you’ll start to think, “where else can I stop wasting money in order to increase my investment contributions.”