TIPS FOR SAVING MONEY

• Save your change. Putting aside a part of money every day, over the course of a year will allow you to save nearly 40% in a emergency fund.
•  Keep track of your spending. At least once a month, use credit card, checking, and other records to review what you've purchased. Then, ask yourself if it makes sense to reallocate some of this spending to an emergency savings account.
•  Never purchase expensive items on impulse. Think over each expensive purchase for a good time. Acting on this principle will mean you have far fewer regrets about impulse purchases, and far more money for emergency savings. 
• Defined a budget. Beginning on the first day of a new month, get a receipt for everything you purchase. Stack and review receipts at the end of the month, and you will clearly be able to see where your money is going.
• Aim for short-term savings goals, such as setting aside $20 a week or month rather than long term savings goals, such as $200 over a year. People save more successfully when they keep the short-term goal in sight.
• Always seek the best discounts. Buy stuff latest collection is irresistible but very expensive. Some things like Christmas ornaments, some clothes and accessories can be purchased off-season and if they save and spend less.
• Keep your debt level as low as possible. Paying for the borrowed money is the most cost there. Always try to get the best interest rate and borrow as little as possible.