3. Use an Envelope System

Some claim that a cash-only system helps to save money. Those who use it learn to set a budget for various sorts of expenses. Keep track of your money and see where it goes each week or month. Have a special envelope for each category. The extra that is left can be set aside and put in savings. You can spend it to spoil yourself or your kids if you feel you can afford it. People who prefer cash hardly ever overspend while those who use credit cards find it more difficult to control their expenses.

4. No Cable

Ditch that cable and use other communication services to keep track of the latest news. Cable costs and you spend money on something you can live without. Nowadays we are offered streaming services and the Internet. Most of the TV networks have their most popular shows and episodes on the websites and you can watch them for free.