We all need or want more money, right? Why not start by managing the money you have more wisely? Do not spend foolishly on things that are completely unneccessary.

Why pay hefty monthly service charges to access your own money? Shop around for a free checking account. Many banks offer these types of accounts with stipulations, so read the fine print before signing up for them.

Save all of your loose change in a container. Roll it up yourself every couple of months or so and deposit it into your savings account.

Do not pay your bills late. Late fee penalties are like giving your hard earned money away. Paying your bills late also negatively affects your credit. If you are experiencing a financial difficulty, call your creditor and expain your situation. You may be able to work something out.

At some time in our lives we have all heard the phrase "all the little things add up." Well this statement sure does ring true when you stop to consider small purchases that many of us make everyday. One and two dollar purchases here and there really add up substantially over time.

• The cup of coffee and doughnut on the way to work ($2 each day would be $10 per week or $520 a year);
• The snack and soda machine at the office (another $2 each day would be $10 more per week or $520 more a year);
• The convenience store pit-stop for that 44 oz guzzler and candy bar (again, another $2 each day would be $10 per week or $520 more a year).

• Experiment with different flavorings to have your own gourmet coffee drink;

• Popcorn is a very good snack for those that have access to microwaves at work. Bring a fruit (apple, orange or bannana), which is much healthier for you anyway than anything in a vending machine;

• If you must have some type of flavor, purchase those "to go" flavorings to add in an instant.

If you bought all three of these items every work day and spent $2 on each (a very conservative estimate), that would add up to $1,560 each year.

If you placed that money ($130 per month) into a savings account for five years at 2% interest, you would have $8,118.30.