Eating out always costs more than eating at home. Avoid this cost entirely by keeping snacks on hand at all times.

Carry Snacks

To be less tempted to eat out, plan what you'll make for dinner. Then, consult some free meal planners, shop for all of the ingredients, and try some new recipes.

Plan Meals

Before you buy something, see if you can find something you already own that'll meet your needs. This simple exercise will help you spend less and clear out some of the clutter in your home.

Use It Up

Challenge yourself to save more every time you shop by looking for things on sale or clearance. When you're always on the lookout for a bargain, there's no end to the money that you can save; and soon it becomes a game that you look forward to playing.

Shop To Save

Call all of your service providers —phone, Internet, cable, etc. — and ask them to give you a better deal. You may just be surprised at what they're willing to offer to keep your business.

Ask For a Better Deal

Store brand products are often just as good as name brands. Make the switch to the bargain labels, and you'll slash 25-50 percent off of your weekly grocery bill.

Switch To Store Brands

To keep impulse shopping from taking hold of your budget, make a habit of shopping with a list. Jot down everything you need, and then only shop for those items.If you are tempted to add an extra item to your cart, go home and think about it first. If you still want the item, add it to your next shopping list.

Shop With a List

Name brand products are good, but store brand products are often just as good (if not identical). Make the switch to the bargain labels, and you'll slash 25-50 percent off of your weekly grocery bill. With more and more grocery chains launching their line of organics and other premium products, there's never been an easier time to switch.

Ask For a Better Deal

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