have any tips for saving money?

Answer 1

Make a real budget and actually watch where every dollar goes, lunches out, gym membership, cell phone, starbucks, movies. Just being aware of where your money is going will help you hang onto it. If you realize that morning coffee is costing you 25 dollars a week, 100 dollars a month 1200 a year. You start to realize how much such things are costing.
I start each week with 25 dollars of pocket money, pack my lunch and watch tv instead of going out to movies or even renting DVDs. Good luck ;)

Answer 2

Bankrate.com
Saving when you're barely surviving
Monday August 28, 6:00 am ET
Don Taylor
Dear Dr. Don,
I am a husband and father of two young toddlers. My net pay is just enough to scrape by every two weeks. With health insurance premiums well over $400 per month, my net pay is only enough to cover the bills. Every time I set aside money, I end up having to use it all for some unforeseen expenditure, and then some with credit cards (whose balances continue to escalate). Where does one in my situation begin to save?
-- Underfunded Mike

Dear Mike,
Your question is one of the more difficult issues in personal finance. How do you work toward the future when you're having trouble getting through the week?
The key is to keep spending less than income. Easier said than done, but that doesn't mean it doesn't need to be done. Spiraling credit card balances aren't the answer. Credit cards just postpone the problem and have you spending money on finance charges that should be going toward meeting your family's needs.
Differentiate between what's necessary and what's nice in your monthly spending. Cutting out cell phones (or alternatively land lines), cable TV, dinners out, etc. brings down your monthly nut. Bankrate has a budget work sheet that you can download to put together a monthly spending plan. Talk to your employer's personnel department to see if there are ways of reducing the health-care costs while keeping family coverage. Taking advantage of flexible spending accounts to pay for medical costs with pretax dollars is one possible way of accomplishing this goal.
The other side of the equation is to increase income. Take a second job, or a third. Don't think of it as forever, just until you can get the credit card balances down and build a bit of a cash cushion. If your wife doesn't work, perhaps she should. Bankrate's "Should my spouse work, too?" calculator will help with that math.
The answers aren't easy, but you've got to ramp up income, throttle back on spending or both to get to the point where you move past paycheck-to-paycheck living and get to the point where your income is also building toward your family's future.
If you've worked through all this and still can't see a way, it's time to ask for help. Your state government might be able to help with health-care insurance for the children, for example. A Bankrate feature, "Finding help in hard times," has some other ideas, too.
To ask a question of Dr. Don, go to the "Ask the Experts" page, and select one of these topics: "financing a home," "saving & investing" or "money."

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Answer 3

No matter how much money you earn, put away 10% and put that towards your lowest credit card bill along with your regular payment. Do this until the bill is paid off. Then go to the next bill and do the same thingn (10% of your earnings, your regular payment AND the amount you paid for the paid off bill). Your bills be be paid off in a very fast time and you will have more money than you ever dreamed of.

Answer 4

Gosh, loads!!!
Don't drink
Don't drive
Don't go out and have fun
Buy bulk on all foodstuffs
Don't go out for meals, cook at home
Save the last bits of soap and reform them when you have enuf
Squeeze the last bit out the toothpaste tube
Don't buy branded cleaners for the home, vinegar and water works on most things (not polished wood though!)
Don't let you bills etc go unpaid otherwise you will attract penalty payments.

I know lots more but it can get a bit boring after a while lol.

Answer 5

if your company has a 401(k), go for it. also...pay yourself first. set aside a portion of your check and DON'T TOUCH IT. use the rest for bills. if you wait until the bills are paid to save, you'll never start saving.

Answer 6

Extreme self control. Go Beans and rice for awhile!

Answer 7

get tips for all the work you do

Answer 8

Spend less then you make

Answer 9

don't spend it on stupid stuff and be froogal. or get a better job.

Answer 10

DON'T SPEND IT