Tips for saving money:

1. Pay your self first.
2. Ask your employer to make automatic payroll deductions and deposit these amounts in your saving account.
3. Save windfall income, like a Christmas bonus.
4. Collect loose change and deposit in the bank.
5. Try Frugality
6. Break spending habits
7. Save lunch money; bring lunch from home.
8. Save sale money.
9. Have a “buy nothing week”
10. Comparison shop.
11. Read newspapers and circulars for sales in grocery stores.
12. Exchange information about sales, discounts, and other money-saving tips with family and friends.
13. Use coupons and discounts
14. Take advantage of outlet stores, shop off-season, and buy clothes that will endure.
15. Do not buy more than you need.