Make a plan to save two-hundred bucks each month. Don't miss the monthly payment to yourself and look for ways to increase it.

Save money when shopping at the grocery store by checking the lower items near floor level. These items are often less expensive than those at eye level. Also, resist the temptation to purchase impulse items at the checkout such as magazines and candy bars.

Someone gave you a gift you're not going to use? Regift that gift!

Buy your own cow and have it slaughtered and butchered. The average price of the meat is a buck a pound.

Wait for movies to come out on DVD, rather than spending big money on first-run movies in the theater.

Quick braking, cornering, and accelerating (speeding) will eat your gas up considerably. Never let your fuel needle go below a half tank, or fill it up when you drive it to “Empty”. Nickel and diming your gas tank gets you nowhere fast!

Lower your expenses, one by one.

Stop purchasing items that you can do without.

Forego purchasing non-essential items.

Refinance your mortgage or debt at a much lower rate.

Refinance your car loan at a much lower interest rate.

Find cheaper insurance rates/then switch over.

Use coupons to shop with. Don’t purchase without a discount coupon.

Wait for things to first go on sale before buying. Take advantage of catalog saving certificates.

Don’t buy an item just because it is on sale.

Buy generic or non-name brand merchandise as much as possible.

Wait for prices to fall to a discounted rate before buying (applies especially to electronics items).

Reward yourself for saving money. Enjoy as your debt shrinks and your investments grow.

Drive used cars or leases rather than brand new cars.

Reduce your auto insurance.

Spend less money than you earn each week.

Seek out a higher paying job.

Keep your job skills sharp and up-to-date so that when a new opportunity comes up, you will be on your toes and first in line.

Adjust your lifestyle to always spend a bit less.

Create a firm financial budget to encourage saving.

If you must use credit cards/cut up those you can do without.

If you must use credit cards, pay them all down in full each month.

If you have credit card debt at high rates, consolidate at once.

Figure out a way to lower your student loan payments.

Just say NO to spending money whenever possible.

Don’t eat out as much as you’d like to.

If you do eat out, buy gift certificates for half price meals.

Buy only discount magazines.

Do more stay in activities at home.

Invest the money you save to earn even more.

Don’t spend money just because you have it.

Look into getting a better quality education.

Stay very busy – you will have less time to spend money.

Find an interesting hobby to occupy your time and stop you from spending money.

Find a hobby that you can turn into earnings.

Stop smoking and bank the savings.

Go on a sensible diet and lose weight. You will save money on food, look and feel better, and your long-term healthcare costs should fall dramatically.

Look carefully at how you spend and save your money.

Learn how to manage your finances by reading financial publications.

Increase the amount of money you earn through a second job, promotion, new job, investments, etc.

Don’t try to compete with your friends and neighbors. Be satisfied with what you have.

Don’t compare yourself to your friends and neighbors. Be happy being you.

Sell your car and take the bus to work if you can.

Contribute the maximum each year to your 401K or to an IRA.

Buy Dental Insurance before you need it.

Buy Health Insurance before you need it.

Paying down your debt is also a way to save money (it saves you from a debt payment and brings you closer to having money to invest).

Switch to lower your telephone bill.

Lower your cable bill by deleting pay channels or switch to satellite.

Earn extra money by completing short surveys online.

Practice restraint at all times.

Be patient when bargain shopping.

Start saving money today!

Don’t give up -- put just $10 aside, today!

More Creative Ways to Save Money

Shop for clothing at thrift shops (especially for young kids). Look for gently worn or even new clothes for 1/10 the price of new (or less).

Pay your bills online. It’s protected and you can save with stamps.

Change your eating habits and avoid expensive, processed foods.

Exercise and eat right to keep your doctor bills down.

Brush and floss your teeth to keep the dentist bill down.

Keep up on regular auto maintenance and avoid costly repair.

Mend your clothing instead of buying new clothes.

Buy only clothing that does not require dry cleaning.

Take care of your own nails. Avoid manicures.

Simplify your hairstyle – wear a hairdo that doesn’t require much maintenance.

Get at least 3-6 quotes when shopping for items over $100.

Develop self-control and simplify your life if possible.

Buy only inexpensive, no-name drugstore cosmetics.

Cut your dryer sheets in half.

Buy generic over the counter medicine rather than name brand items when possible.

Buy generic baby wipes, diapers, and formula, anything you can for the baby.

Look for quality, name brand clothing at garage sales in more affluent neighborhoods.

Find fashionable clothing in the sale departments of stores like the Gap and Stitches.

Keep in fashion by finding basic colored tees and skirts and then add cheaper, trendy accessories.

Buy baby clothes privately from someone that has an older child (one year older) than yours. You can find good quality clothing cheaper this way.

When you get change back from a purchase put it in the piggy bank. Always give the cashier whole dollars, not the exact amount. In a few months, you will have “found” money that can be used for an emergency fund.

Slipcover or reupholster older furniture for a quick update rather than buying expensive new furniture.

Refinish furniture and/or decorate with new paint. Use older and broken furniture to make a unique piece.

Take your lunch to work every day! Make your meals in bulk and then freeze them in smaller containers to save even more money.

Buy a bread maker to make your own bread. This is much cheaper than $2.00 a loaf, and tastes terrific!

Shop for dented canned goods and outdated toiletries at salvage grocery stores.

Read magazine subscriptions at the library or buy them at the thrift shop for .25 to .50 after someone else has read them.

Stop drinking expensive sodas and make Kool-Aid or decaffeinated iced tea, instead.

Cancel expensive telephone options like call waiting.

Check out library books instead of buying expensive new titles.

When you wash your hair every day don’t lather twice. Saves shampoo!

You can save money by shopping for groceries in the “bulk foods” aisles in your grocery store.

Bulk up in the wintertime. You don’t need the heat above 68 degrees in the winter inside your house. Wear warm clothes and socks/slippers while in the house.

Use all plastic bags you receive at the grocery store for trash bags.

Some grocery stores give you a 5-cent credit per bag if you bring your own bags. Pennies add up over time.

Instead of buying a new house, rent to own. The payments are cheaper.

Install a water softener. It might be expensive to start up, but in the long run, you use less shampoo/conditioner on your hair and it saves your appliances (pipes, iron, washing machine, dish washer, kettle and hot water tank) from clogging up with lime scale.