Do you have a big event, travel, a must have or emergency type situation? Here we listed some quick fixes that will show you how to save money fast. Tips that will help you now and some that will keep saving you money in the future.

1. Electricity is most likely the biggest utility you have, and it is the easiest to control. Turn out the lights, turn down the heat, and unplug. Unless you are scared of the dark, use a lamp or two instead of the overhead lighting. If your chargers, televisions, and computers are plugged in, they consume energy in their standby mode. It is a small inconvenience to plug in a cord to save money, or use a simple power strip to turn on several electronics at one time. Use ceiling fans to circulate your heat or cool the air. Set your thermostat to lower in the winter and higher in the summer when you leave the house for the day.

2. Date night does not have to be routine or expensive, like dinner and dancing. If you put in a little effort, you could come off like the greatest date ever. Try a picnic dinner while stargazing in a park, or watch a movie you borrowed from your library or friends.

3. Doing your laundry uses a lot of energy or coinage. If you just need a few things washed to get you through the week, simply hand wash them. If you put your clothes on their hangers, and allow your clothes to air dry, you will save both time and money.

4. Cut out the morning coffee stop. Buying specialty coffee every workday will cost over seventy dollars per month. You can buy one can of coffee, three bottles of creamer and a bag of sugar for less than twenty dollars. If you cannot live without your flavored coffee the local barista serves you, buy a small bottle of the syrup from a grocery store.

5. Bottled water costs over a dollar per serving, so refill your empty water bottles with tap water for about ten cents each. This puts thirty dollars in your pocket, and you’re recycling.

6. If you absolutely must socialize after work, look into finding a local happy hour. Most chain restaurants have half price appetizers and drink specials. Be sure to leave when the special ends.

7. Discount and dollar stores sell many of the essentials you use every day, and they sell it for less than your typical grocery store. They regularly stock items like canned vegetables, soaps and paper goods, and their stock is usually name brand products. You might be able to find even larger discounts if you get into the extreme couponing.

8. Eliminating just one dinner out will save you at least twenty-five dollars per person. To save money dining in, you need to take inventory of your pantry. Design a weekly menu that uses the cheap healthy foods you already have. You can use an online recipe site to work out a recipe for you using the ingredients you have on hand. Adding simple staples to your grocery list, like potatoes, pasta or beans, can go a long way in stretching your budget.

9. Use cash not cards when shopping especially if you are a shopaholic. Seems illogical, but the truth is, a credit or debit card is easy to hand over without realizing the immediate loss. If you are going to the store or restaurant, carry only the cash you intend on spending. When you find your wallet is getting thinner, you will put back that extra candy bar.

10. Selling your car might seem extreme, but you need to save money fast, right? If you really need transportation, try a scooter or motorcycle. They cost less to operate than a car, and your maintenance bills will be lower. If you can manage bicycling to work safely, you can save on gas and auto insurance premiums.

11. Gifts can be hard to manage when you are trying to save money fast. Homemade does not have to involve a macaroni birthday card; you can do a lot better with just a little time. Easy projects, like creating homemade goody baskets or photo albums, are fast and simple. If you are all thumbs, and can’t create something nice, you can always recycle a gift. Make sure the recycle gift has no chance of getting back to the original gift giver. You are trying to save money, not lose your friends.

Learning how to save money will take some time and adjustments to your routine, but it is possible.
Just telling you how to save money fast does not put cash in your bank account. You have to set a goal, and you must follow through. Every tip you use is money in your pocket. If you are interested in seeing more money saving tips check out my last post on topic.

So when you think about how to save money fast, what are some of the first things you think of?

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Food is expensive and it’s going up in price with each passing day. This leave many of us questioning how to save money on food each month.  A number of factors contribute to the higher food prices and it often feels as if you have no say on what you spend at the supermarket.  That’s not necessarily the case.  You can eat cheap healthy food without breaking the bank.

Here are five super simple ways to cut back on food costs:

1. Grow it yourself.  You can grow a plentiful garden no matter where you live, how much space you have, and how green your thumb is. Now is the time to start your spring garden. Container and square foot gardens are popular solutions for city dwellers that don’t have the means to grow a full size garden.  Herb gardens and medicinal plants like Echinacea, Borage, and Pleurisy Root can be grown on window sills and in window boxes no matter how small or large of home you reside in.
2. Can and preserve your surplus.  Food is only good if you can eat it.  If your garden supplies more than your family can eat at one given time, can and preserve the remainder of your surplus.  There are a variety of ways you can store the fruits, vegetables, and herbs that you grow.  You can make jellies and jams, pickle foods, and even make chips out of apples, zucchini, potatoes, and carrots in a dehydrator.  If you hit a sale at the supermarket on strawberries, for example, you can purchase several baskets of them and preserve them so you can have them at a later date.  This is especially helpful because so many foods are seasonal and subject to astronomical price increases.
3. Learn the basics of food storage.  Knowing how to properly store your food supply will increase its longevity and ultimately save you money.  If you have no clue how to keep food good there is no time like the present to get started.  
4. Eat at home.  Skip a pricey meal out and opt to cook something similar at home.  You’d be surprised how much further your dollars go when you prepare meals from scratch.  There are a number of websites full of free recipes for you to choose from.  If you feel like eating Thai, look for dishes that use coconut milk.  If you prefer something hearty, cook up a big pot of chili and invite the neighbors over so you won’t have a refrigerator full of leftovers.
5. Use coupons to get it for free or cheap.  You don’t have to be into Extreme Couponing to experience extreme savings.  Start getting the Sunday paper and watching the ads for the best deals.  Pair store savings with manufacturer’s coupons and get food items for free or pennies on the dollar.

Food is a necessity that can’t be overlooked.  Without it, you won’t survive.  With it, you can fight disease, nourish your body, and provide yourself with a source of energy that gets you through the day.  When acquiring food for your family, consider the aforementioned list as a way of cutting grocery costs.  There are plenty of ways to acquire food frugally.  You can start a garden, forage for wild edibles, freeze, can, and preserve your produce or purchase food at a discount from supermarkets and farmers markets.

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Do you have a hole in your pocket that cash passes through?

Have no idea why you don’t have any extra money to save each pay period?

Are you still making impulse purchases?

If you are, that’s likely the cause of your financial distress. I have run into countless people who spend like no other but are always complaining about how broke they are. I can be a little frustrating to walk into people houses and see all the latest greatest things everywhere and yet they are crying their money woes to you. It is sad that most of us do not even realize all the things and fees that are slowly creeping into our lives and eating away at our monthly paycheck.

Here are five things you should stop spending money on today:

1. Magazines.  Are you the type of person that has to buy the latest issue of a magazine only to leave it lying in a pile until you’re able to read it?  If you’re purchasing periodic publications at the newsstand, you’re doing it all wrong.  Read every magazine you want at the library.  Sign up for free subscriptions when they’re offered online.  Use a service like Issuu.com to catch up on the subjects that interest you the most.  If you have an Android phone, you can get a free digital reader app and access your favorite titles on the go.

2. Late Fees.  Stop wasting your money on late fees!  Work with your creditors to come up with a payment schedule that meets your needs. Give yourself plenty of time to pay your bills and account for things like fluctuating pay periods so you’re always prepared.  If you sense that you’re going to have trouble paying on a certain date, contact the creditor immediately to let them know.  This will save you the unnecessary costs of late fees.  Use a free service like Mint.com or Personal Capital to organize and categorize your spending.

3. ATM Fees.  Stop paying extra to withdraw your money from the bank.  Use an app like ATM Hunter to find a nearby branch.  If you can’t find an ATM in the area, use the cash back option at a local retailer.  Check with the Customer Service desk prior to checking out to see what kinds of limits they have.

4. Text Messages.  If unlimited text messages are not a part of your phone’s package, get around it by downloading a free text app like textPlus, Text Free or HeyWire.  Each of the applications allows you to send and receive unlimited texts without incurring costs.  This is great news for parents with teenagers and astronomical cell phone bills.

5. Clothing.  Most people buy clothes on a whim.  The price is seldom right and the occasion seldom a necessity.  Look into the closet of the average American and find items that neither fit nor flatter and even some that still have the price tags hanging off of them.  Developing a killer wardrobe takes time and effort but once you pulled it off, you can add the pieces that you need versus every piece that you run across.  Shop smarter not harder.  Use an app like Cloth to keep track of what you own, what you’ve worn, and your favorite ensembles.

Stop spending more money than you need to.  Enjoy all of the things you used to shell out cash for but at the amazingly low cost of $0.  Use your savings to fund a vacation or to purchase something needed for your home.  A little tightening of the belt can make a world of difference when it comes to your bank account balance.  Start finding ways to cut back costs right away.

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Are you on a tight budget this year? Do you think it means you have to forgo having a romantic Valentine’s Day? Think again. You can create a memorable time for you and your loved this Valentine’s Day, all without breaking the bank.

After all, sometimes the most romantic things you can do don’t involve expensive dinners, lavish gifts, or big plans. Just being able to spend time with the one you love is all that really matters. Here are a few tips to help you have an affordable and memorable Valentine’s Day.

1. Dine In

You have probably heard of doing it all at home in style, just like your favorite Italian or French restaurant. Here’s the thing: you don’t have to be a great cook to set the dining room table with candles and some daisy or rose petals. Put together an easy, yet delicious meal, and pick up an affordable bottle of wine. Even better, no need to spend money on gas, parking, and leaving a tip. Savings? $50-$100 dollars.

2. Garden Together

Cut flowers are going to be gone in a week, so how about buying a rose bush or other flowering landscape plant and planting it together? You can dedicate it to your love, and you’ll have all year to tend to the plant and watch it grow. This is a special way to have some everlasting fun. You can purchase rose bushes that cost anywhere from $5 to $40 dollars.

3. Mix Music

If your partner is like most people, they probably have several different favorite songs. Why not put them all together on one CD? You can download all the songs they love and burn it right onto a CD or upload them to their iPod or smart phone. Add a couple of your own favorite songs if you want. It might be fun to spend a night doing this as a team; that way you can both eat some popcorn and listen to some great music together. It won’t cost much, yet it’s a nice daily reminder when you have those songs at your fingertips.

4. Indulge With Love Coupons

Love coupons that can be redeemed for massages, housework and other small tasks continue to be popular year after year. It’s a zero cost way to make your honey smile, too. Create the coupons on red construction paper with hearts and smiles, and if you want you can tie them all together with colorful yarn.

5. Collage Together

Do you have photographs sticking out of folders, albums and books? Have hundreds of photos on the computer that never get looked at?Why not sit down and do a collage of all your favorite photographs? This can be fun and enlightening, and can easily strengthen the bond between you and your partner as you relive the good times you’ve had together. You can purchase special collage frames if you want, or just glue the photos on sturdy stock board. Open some wine while you’re doing it and make it a romantic and unforgettable evening.

6. Personalized Gift Basket

Gift baskets are fun, but at $25 to $100 dollars a pop they are not cheap. Why not make your own? Fill it with only the things your partner loves. Does he prefer Doritos to table crackers? Check! Does she like vanilla-flavored coffee instead of mocha? Check! Add a t-shirt of your beloved’s favorite team or activity, and maybe even some lingerie to keep it interesting. These personalized baskets will mean a lot more than a generic basket or gift card.

7. Shop In Person

If you do decide to go the traditional route and purchase flowers, candy or jewelry, make sure you do all three in person. It takes a little extra time but it will be more than worth it knowing your mate didn’t receive wilting flowers or poor quality necklace or earrings. The savings touted online are usually wiped out by the cost of shipping and handling anyway.

With a little planning, you can save big bucks this Valentine’s Day, and still have a fun, memorable and meaningful time.

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1. Lose The Decorations

Have you ever gone to a Super Bowl party to look at the decor? Of course not! Most people will be wearing their team’s colors, or something football related, so why stress about decorating the mailbox, entry way, and living room? People are there for the food, fun and friendship, so skip decorating this year and save some money.

2. Skip The Invitations

Let’s face it: Super Bowl party invitations can be fun to create, but do they really add to the party? The answer is no. So skip buying special invites. This isn’t a wedding or baby shower. Send emails and make phone calls instead. People aren’t going to remember whether they received a colorful invitation. All they’re going to recall is if they had a good time.

3. Simple Foods Score A Touchdown

People show up for Super Bowl parties ready to eat. However, they don’t expect an elaborate spread, fancy dip, and Champagne. Hot dogs, hamburgers, potato chips, and fresh homemade salsa are all cheap, yet delicious ways to feed your friends. Buy in bulk or tell your guests to bring a dish to pass and you’ll be off the hook.

4. Beverages: Choose Wisely

For soda, buying 2 liter store brand cola will be cheaper than buying name-brand soda in a 12 or 24 case. A 24 case of store brand water will also save you money. As for adult beverages, stock only the most popular beer and perhaps one or two popular spirits, such as vodka and rum for easy mixed drinks. Unless you are having an upscale dinner party, pass on the wine.

5. Have A BYOB Party

If you don’t think alcohol will be in your budget this year, you can host a bring your own beer party. This will eliminate the problem of someone not finding their favorite alcoholic beverage on hand. It also tends to cut down on the amount of alcohol consumed since people generally only drink what they bring.

6. Forget a New Big Screen

Some folks decide to spend their tax return on a big screen television for game day. For obvious reasons, this is not the best use of money. Most of us aren’t watching television on a 12 inch black and white set these days, so why spend your hard-earned cash on something you really don’t need, especially rushing out to buy one for the big game? Your friends are going to remember the good times they had over your house, not how big your television was.

7. Not All Out At Once

If you put all the food out at once, prepare to have hungry guests at halftime and you may end up buying more food to compensate. Hold back and put the food out at designated times. Most people will want something to drink and some chips when they first arrive, so it’s fine to have the snacks out first. Keep the chips coming and save the more substantial food for a little later.

8. Do Your Shopping Ahead Of Time

Don’t wait until Saturday to hit the stores for all your needs. Stores know about the Super Bowl run-up, and not only is it possible to find the shelves empty, you might also find some mark-ups. Start clipping coupons and seeking out deals now for everything you think you’ll need, and start buying and storing food and beverages this week.

9. Hit the Dollar Store For Plates

If you don’t have enough plates and silverware, buy plastic wear at the dollar store and save. There are plastic plates that are washable, or you can get the old-fashioned cardboard ones that are even cheaper. Don’t forget to buy plastic cups and utensils while you’re there. Having disposable dishware will also make cleanup after the game a breeze.

10. Make Your Own Desserts

Cookies, cupcakes, and pudding are all inexpensive ways to offer delicious desserts. You can also make a simple sheet cake and decorate it with your favorite team’s colors. All of this adds up to much less than what you’d spend at your local bakery. So get the apron out and have fun making football shaped cookies and colorful cupcakes.

Don’t spend money like the advertisers do on Super Bowl Sunday. Use the above tips to have a great time with friends and family while not breaking the budget to do so.

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Guard Your Thermostat:

Technically, your thermostat is one of the biggest money drains in the house, and you can save a fortune if you know how to use it strategically. For example, during the nighttime turn your thermostat down to about 60 degrees. There is no sense in heating a home when you are not even awake. At that point, most people are covered with blankets, so it would not make much of a difference to turn the thermostat down. When you leave your home, that is another good time to turn down the heat in your home; since you will not be home, it would be a waste of money to heat an empty house. It is better to dress cozy in your home than to always turn up the heat in your home as well. This helps to keep your heating bill down, and always remember this motto: Nothing feels as good as saving money.

Close Doors and Vents To Rooms Not In Use:

Not all rooms in the home need to be heated because you are only using a couple of them at a time. It will cool down the room that has the door closed, but it will reduce the price on your heating bill. The same goes for the fireplace. If you want to save money on your heating bill, then keep the fireplace damper closed as much as possible because there is a great deal of heat that is lost through the fireplace damper. Also, if you have any excessive windows or excessive doors that you do not need, then putting plastic wrap on the windows or doors could save you money on your heating bill. Sealing up any cracks with silicone ensures that no cold air can get into your home, or you could also put plastic over them as a temporary fix.

Work On Your Electricity Bill:

Lighting is responsible for around 12 percent of the average person’s energy bill. Fluorescent  and LED lighting is one way that you can reduce the energy that your home is using. If you can find one of these bulbs with the energy star approval, then you will be ahead of the game. If you want to save money on electricity in an easy way, then simply unplugging your power cords is a simple way to save money. The Department of Energy has stated that 40% of people’s energy bill is due to items being plugged in while not in use.

Let The Heat Escape From Your Oven:

After you are done cooking food, one thing that many people fail to do is leave their oven door open a crack, and let the heat escape from the oven into your home. This heats up your home with energy that was being used anyway. That is being resourceful, and your energy bill will thank you.

Open Your Curtains:

Another simple way to save money on your heating bill is to open your curtains and allow for the sun to shine into your home. This will naturally heat up your home. Direct sunlight shining into your home will drastically warm up your home and save you money on your heating bill. Keep in mind that this is the polar opposite of what you would want to do if you are trying to save money on your summer utility bills.

What does it take to successfully save money on your winter energy bills? Saving money on your winter energy bills takes a commitment to doing the small things. Saving money is about being resourceful and many of the tips above have been simple, yet resourceful ways to save money on your winter energy bills.

What are some other ideas you have for saving money on winter energy bills?

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Thankfully, you don’t necessarily need to find large chunks of savings to get to your thousand dollar goal. In fact, the easiest way to come up with this savings is to find a handful of things that could be costing you just 20 dollars a month. The combined savings, though, is enough to put a good dent in that emergency fund, vacation savings, or college tuition.

1. Cut On Car Costs

If you live in a city with public transportation, you can probably get to your $1,000 goal and much more by simply getting rid of your car. Of course, this is not always possible, and in most locations in America, not realistic.

Cars are such an integral part of modern society that we forget they are a relatively recent invention. Not that long ago people walked or took public transportation to wherever they needed to go. But times have changed, and more people live outside of cities than ever before. As someone who may not have the ability to ditch their car completely, there are still a few tips to help you save money.

If you’re not ready to go completely sans wheels, then here are a few ideas:

• Review your insurance policy. Make sure you actually need all the coverage you are paying for. Raising your deductibles alone could save you $200 dollars per year. If you have an older car that’s paid for and not worth a whole lot, consider dropping collision or comprehensive coverage. That can save you between $200-$400 dollars this year.
• The average automatic car wash costs around $8 dollars per wash. If you run your car through a car wash every couple of weeks, you could be spending at least $200 a year to keep your car clean. Especially in warm weather, skip the automatic wash and grab a hose. Not only does washing your car yourself get more dirt, salt and grime off, it also burns calories.

Yearly car savings: $200-$600 dollars

2. Save On Entertainment

Average costs for monthly cable and satellite runs between $50 – $100 per month. Many folks forget that cable television is a luxury, and there are better and healthier ways to spend downtime.

If you must get your television and movie fix, consider the following:

• Hulu, Crackle, YouTube and network sites allow you to watch many shows for free.
• Local libraries let you borrow movies for free.
• Netflix and Redbox are cheap alternatives when renting movies or seasons of television shows.
• Tag sales, Craigslist and eBay are all places to purchase super-cheap movies.

Yearly entertainment savings: $600-$1200 dollars

3. Save Money On Your Phone

Are you paying for too many minutes on your cell phone? If you’re like the majority of Americans, you probably are. Latest trends indicate that most people only use about half of the minutes and data allotment on their plan. If you can downgrade to a lower tier, there’s potentially hundreds of dollars a year at stake.

Another common mistake is simply buying more phone than you need. Advertisements tell people that they will be happier if they own the latest and most advanced phone. I don’t know about you, but my old iPhone 4 works just fine, and no matter how many commercials I see, upgrading to an iPhone 5 and paying hundreds of dollars to do so isn’t going to make my life any better.

Start by switching plans. If you drop from unlimited minutes to 1,000, you could save upwards of $30 dollars a month. If you’re in the market for a new phone, why not take a look at some of the pre-paid options available? This can easily save you $50 – $100 dollars each month.

Yearly phone savings: $300 – $1200 dollars

4. Save On Burning Calories

Average monthly gym membership fees range from $20 – $40 per month. Walking or jogging in your local park is free. Remember that New Year’s resolution gym membership you bought but never use? It’s costing you. Even if it’s just $20 a month and you go to the gym a couple of times a month, you’re wasting money. You can do many of the same workouts at home or outside.

You can download free yoga and weight-training videos online, or pick up some cheap workout videos on Craigslist and eBay. At the very least, join your local YMCA where membership fees can be half of what they are at many gyms.

Yearly savings: $200 – $400 dollars

5. Save On Housing Costs

Do you have an extra room to rent? You can make $400 or more per month by renting a room out. You can even offer short-term rentals which are very popular if you live in a college town. Renting out part of your home isn’t for everyone, but if you’ve got unused space, it’s worth considering.

If you’re not in the mood to be a landlord, how about downsizing your apartment? You can save well over $1000 dollars per year by taking this one step. Just moving to a different neighborhood can save you money. Think about your lifestyle and how much living space you actually need. If you rented an apartment thinking those extra bedrooms were needed for friends and family who visit, but rarely visit anyway, you’re just throwing hundreds of dollars a year away.

If changing your living quarters isn’t an option, you can always improve your energy usage in your existing home. Begin switching over to CFL bulbs, install a programmable thermostat, seal up drafty windows, and you can still save a few hundred dollars a year.

Yearly savings: $400 – $2000 dollars

These are just a few ideas on how to find a way to save an extra $1,000 this year. This is just the tip of the iceberg, so what ideas do you have?

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Packed full of tips to help you reduce costs and waste, Rogers’ book is a must-have for anyone wanting to live in a conscientious manner well within their means.  For example, using cruise control while driving long distances can save you as much as $70 in costs per year if you use it for a quarter of the miles you drive on average.  The reason behind this is “that the smallest changes in pressure on the gas pedal can still eat up your gas dollars”.  If you’re living on tight budget, this type of savings in substantial.

Rogers also suggests making the following “Super Shifts”:

• Trading in paper towels for reusable cleaning cloths for a savings of $130 a year.  Check out the tutorial for these DIY Reusable “Paper” Towels.
• Pack your kids a waste-free lunch for a savings of $540 a year.  Here are some reusable baggies you can create in no time and for very little money.
• Shut down your computer every night for a savings of $55 a year.  Unplug it completely and plug it back in when you’re ready to use it again.
• Sign up for paperless billing and make online payments for a savings of $60 per year.  For as little time as it takes to switch to this option, it’s a wonder you didn’t do it sooner.

As a travel lover, I especially enjoyed the chapter on Transportation and Travel.  Camping in a national park or forest can save a person up to $2,000 in accommodations over a two week period of time.  Instead of forgoing your next trip, why not check out some of the free campsites offered by the Bureau of Land Management?

You don’t have to sacrifice comfort to save money.  By gradually making shifts in your life, you spend less and stop wreaking havoc on the planet.  Doesn’t it feel good to make real changes that you can see and benefit from?

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Here are some unusual gifts for him that he’ll really love and would never think of buying himself:

• Go Bag/Bug Out Bag – This item should be in every home in the world.  A quick grab and go bag with emergency items like a strong flashlight with extra batteries, evacuation maps, an address book full of current addresses and phone numbers of everyone you care about, a recent photo of each member of your immediate family for identification purposes, a packet with birth certificates, green cards, driver licenses, passports, lists of all medications each family member is currently taking and a brief medical history (make photo copies of the originals, front and back, if duplicates are unavailable).  Grab the go bag and your wallet, meds, and your kids and you are ready to exit in any crisis.
• HIMALAYAN SALT TEQUILA GLASSES SET - Impress him with your extraordinary taste and your skill at finding him the must-have item of the season with this set of 4 shot glasses carved out of high quality, food grade Himalayan pink salt. A supple salty taste with each sip of Tequila will be a delight. Cups are naturally anti-bacterial and will last a long time (Dry out glasses after use to extend their lives.).
• Own a Plot of Land in Ireland - His own tiny bit of land, one square foot, in rural Ireland. It’s not enough to build a house, but is enough to give him bragging rights by owning a bit of the “ol’ sod”.  This is a great gift to give to men of all ages.
• Skatecycle Brooklyn Workshop, Inc. – The more athletic men in your life will love to ride a skateboard right out of science fiction, the Freerider Skatecycle. Float along on you Skatecyle by slipping your foot into the center of the hubless wheels and then twist yourself forward without touching the ground. Folds in half for easy transporting and storage.
• Numark IDJ Live DJ Software Controller for iPad, iPhone or iPod  - Turn your iPod Touch, iPhone or iPad into your DJ set up to mix and scratch your music, and use music that is already on your system  with Algoiddim’s djay or other Core MIDI-enabled apps to entertain at parties, events or clubs. It has two large performance platters and a central mixer section with a crossfader, buttons, and knobs.
• Snolo Stealth-X Sled - Just out this ultra-modern, carbon-fiber beauty from the New Zealand will impress everyone who sees you zooming down a snow covered hill. This adult sled will fill your need for speed with its light weight maneuvering down the slope and easy breakdown to carry back for your next trip.

These unusual gifts are sure to be a hit with the men in your life and let your sister-in-law gift the bacon tie or golf balls this year.

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With this in mind, I decided to share five tips for saving more green in 2013.  Each is a suggestion that I plan on putting to good use myself.  If you have some money saving tips that you want to share with our readers, feel free to comment on this post.

Here are a few ways to help you keep more money in your bank account:

1. Use a website like Mint.com to see where every dollar you make is going.  Despite every attempt to stick to my budget, charges still manage to creep up on me from time to time.  I plan on using the free tools available from Mint.com to keep an eagle eye on my finances.  I like the site because it also has an app which gives you 24 hour access to your account.
2. Come up with a list of items that you will eventually need in the future and start shopping for them now.  Don’t wait until your washer finally gives out or your best pair of jeans gets a hole in them.  Start looking for sales now while you have the option to buy used or at least deeply discounted.  This will allow you to get the most bang from your buck.  Search yard sales, thrift stores, dent and scratch stores, consignment shops, and auctions for the things you need.  Keep a list of your spouse’s and children’s sizes so you can pick up items as you find them.
3. Stop living paycheck to paycheck.  This is often easier said than done.  Instead of spending every penny of your earnings, automatically get into the habit of saving.  Pay yourself first even if it’s only $20.  Put the money away for a rainy day and forget about it.  After getting into this practice, you’ll see a considerable difference in how you spend.  You’ll want to save more so you’ll find yourself weighing every purchase to determine its importance in your life.
4. Keep holidays and celebrations under control.  Birthdays, anniversaries, and holidays can add up if you have a large family and circle of friends.  Rather than go all out each and every time there’s something to celebrate, decide ahead of time how much you plan to spend and what type of arrangements you need to make.  Consult websites like Pinterest.com and Craftster.org for inspiration.  A lot of gifts, decorations, and favors can be made by hand.  Don’t forget to check out our list of Birthday Freebies.  The gift of a free meal out is one that many people appreciate.
5. Invest in yourself.  Check out books from the library or download free ebooks online that teach you a new skill.  Sign up for free workshops, classes, and seminars online and in your community.  Become a sponge.  Soak up knowledge wherever you go.  You never know when these skills will be useful.

Start the new year out right with more money in your pocket.  Put these five tips to use and start saving big.  Your budget will go a lot further with a little thought and advance preparation.

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