how can i save money?
156374
Take showers instead of baths. When using the faucet, do not leave the water running. And use only the require amount of water when wathering gardens and lawns during the summer months.
127482
Start by saving small amounts, maybe the change you have in your purse after any purchases. If you use shopping coupons try saving what the money you saved from the coupons. If you work, try setting up a savings account where your employer deposits the money into your savings account. You might find that if you don't see the money, you  might not spend it. If you can get by with a small amount of savings try increasing the amount and see how that works. If you get a large tax refund when you file your taxes, have your employer adjust your witholding to a lower amount and try  to save the difference. Once you get in the habit of saving you will have success.   Good Luck!
19598
Pay Cash\nDo things that don't require money\nDeposit Money in a savings account\nSimplify your lifestyle\nSet a financial goal
1020732
work, save and invest.  if you want money go to where the money is.
826790
First you need to stay strong and focused.  That is very important.  Second, you need to buy a small notebook and write down every penny you spend.  You need to have it on paper so you can see where your money is going.  In most cases you will be able to find places you could cut.  Keep records for a week or two and then sit down with family and decide what wasnt necessary to spend.  After that you will have an idea of how much you spent on groceries, bills, etc.  That next week take your income and subtract what you will need for living expenses, down to the penny, and put the rest away in a savings account.  Even if its not much, it will start adding up.  Good luck.
80365
First step is to review what you are spending money on.  Prepare a budget and stick to it.  Most people that have money, made it by saving it.  They did not start a business or own one.\n\nSecond step would be to improve your education/training.  Many companies will pay for the training.\n\nThird step would be consider a government position.  The town/city/county/state government positions will include a pension/state retirement.  This will mean that you are saving for your retirement even though you are not actively saving because it is mandatory for government employees.
234432
Try getting a job and saving the money.
1111900
YES....make a list of everything that you spend money on during a week or a month.......\nBE TRUTHFUL!!! list everything, and how much it costs......\nThen look at the list, and decide what things you can do without, you will easily find a few dollars here and there....\nA long time ago, i realized i was spending a lot of money (not to mention getting fat) going out to lunch at work...now i pack a lunch, which saves some $$$ and also is healthier.
258722
don't buy silly stuff\n\nan easy way of doing that, is working out how much you want to spend on things from what you get per month.\nfor example if you hve 100$, spend 20$ on food, 20$ on coffee, 30$ on clothes and 30$ on going out. \nit all depends on your priorities and what you feel is important. \nkeep a note of it in your purse and keep track of what you're buying (keep receipts so you can check)\nif you want something but have already spent the money dedicated to that, eg if you want another coffee, but you've spent the 20$ dedicated to that, just get a glass of water: you know you can't afford it. \nand then you will learn to control your spending.\n\ngood luck
557065
First - stop using the credit card.  Interest can work for you (savings) or against you (credit)\n\nLook at it this way - if you save $100 at 1% (typical bank savings acct.) you HAVE $101 at the end of the year.  If you pay on $100 @ 12%, you've PAID $112 at the end of the year. \n\nPay off the debt, then save, save, save!  Let the bank pay you to lend your money to others, instead of you paying the bank to use your money!
671977
figure out how much money you make in a given period of time (a month, a week, whatever). now, subtract essential things. rent, gas money, electricity bill, etc. \nnow, figure out how much is left. THAT number is how much you've been wasting. lol. so, you need to change it. cut back things that arent necesary. how much do you need to spend to have fun? figure out what's a fair figure to spend on yourself, and set that as a limit. but the majority of your extra cash should go in the bank. and make sure you're paying off the cards as aggressively as you can. dont just pay the minimums, see how much extra you can throw at it.
275612
Learn how to save money and you'll be ok. Take a deep breath ... and let it out - you're free!
99145
You're a step ahead of most people.  By now, you have a good grasp of what you're spending money on.  Take a good hard look at how you're spending your money.  Some expenses are "fixed" - meaning they don't vary each month.  Some expenses are essential (food, gas, housing, etc), while others are not (morning latte, manicure, movie tickets, etc).  Take a look at where you can cut back on those "wants" rather than "needs" and you'll find that saving money is not that difficult.\n\nNow set some goals for how much you'd like to save.  Start each month by paying yourself, so to speak, and put money in your savings account in order to build a nest-egg.  Some people find that having money automatically withdrawn from their paycheck is the easiest way to "force" them to save.  \n\nYou may want to check out this cool calculator that can help you manage your budget:  http://www.fuzeqna.com/smcu/consumer/kbdetail.asp?kbid=1929\n\nYou might want to use a software program such as Quicken to help manage your finances and goals.  But the system isn't as important as the action.  You're on your way!
553754
Good for you for saving!  Too few people do that these days.\n\nBoth emergency and savings should be in a savings account or a VERY low risk mutual fund, where you can get to them pretty quickly if you need them.  They are designated as such by you, not the bank.\n\nAn emergency fund is just what it says - money you keep around (in an account, of course) for emergencies - unexpected medical bills, unexpected car repairs, etc.  The key here being UNEXPECTED expenses.  \n\nA savings fund is what you use to save for higher cost items that you want to purchase (TV, computer, newer  - never NEW - car, home).\n\nIn addition to these, you should be accruing CASH in seperate envelopes for things you buy fairly often, but not necessarily every week (auto repairs, home repairs, clothing).  That way, when your're ready for some new clothes or it's time for the oil change, you have the cash on-hand.\n\nIt sounds like you have a good handle on your finances.  If you want more tips and advice, check out one of Dave Ramsey's books from the library ("Financial Peace" or "Your Total Money Makeover").
350891
Use Bank Of America  Keep The Change Program.\n\nThis is how it works:\n\nIf you have a debit card or a check card, use it as many times you can during the day.\nYour debit card is used when you buy something, let's say a Coffee in Starbucks it costs $3.07 if you pay with your debit card from your account it reduces $4.00 to nearest thent. And the $0.93 cents that you have left goes for another account of yourse.\n\nIf you use it daily you can earn like $500 thru $1200 a year.\nSo that's a way to invest money while you're spending it.
938189
Figure out how much you make each month - take home, not gross. Figure out how much you owe each month. How much is left over? That is what you live on and/or SAVE and/or use to pay off high interest loans, credit cards, etc. If there is no money left over then you need to get better paying job or a second job.\n \nDon't spend more than you earn. Don't use credit cards unless you can pay off the balance each month. Clip and use food coupons. Ask yourself if you will be terribly inconvenienced if you don't buy *whatever*. Keep your car tires inflated so you don't waste gas. Carpool. No impulse buying. Go to the library and read books on bugeting and saving money.
216639
Write down how much you spend and subtract it from how much you make, that'll tell you how much you have left over for savings and such. Apply more of that left over money towards whatever payments you have untill they are paid off. You'll save more in not paying interest than you would earn if you just had a savings account. Don't spend above your means, either.