Quick Hot Tips

• Save Money: The need for instant gratification is a sure way to damage your finances. To make sure you really want it, wait 30 days before buying any luxuries.

• Save Money: Write down all of your expenses for one month. Then, analyse where you are wasting money, such as fast food, and try to cut back.

• Save Money: Tell loved ones that you’re trying to trim your spending, and you’d love it if they would offer any suggestions and support they might have.

• Save Money: Instead of going out to eat at work, take your own lunch — if not every day, then at least a couple of times a week.

• Save Money: If you have a regular urge to buy clothes, go through everything that you have and see what you might find.

• Save Money: Use the leftovers of a previous meal as the basis for a new meal. You will be surprised at the possibilities.

• Save Money: Try to find another set of parents or two that you trust, and swap nights of babysitting with them instead of having to hire a babysitter.

• Save Money: Eating a healthy breakfast fills you up with energy for the day while also curbing your desire for a big, expensive lunch.