Getting your finances in order is no easy task for anyone.  It does not matter if you make $10,000 or $1,000,000 per year.  Most people know very little about budgets and saving for retirement.  If you set a goal to read one book per month on finance you will start to have a better understanding. Like everything else it takes lots of hard work and dedication to get your finance on track

10 Ways to Save Money

 1. Make a list before going to the store
 2. Clip Coupons
 3. Make your own laundry detergent
 4. Turn all lights off and small appliances when leaving the house
 5. Cut down on the coffee or soda you buy per day
 6. Trying walking in place of driving when you can
 7. Make a monthly budget and stick to it
 8. Eat at home rather than going to a restaurant
 9. Take your lunch to work
10. Combine your phone bills into one either have a cell phone or a house       phone not both

Come up with one or two things you can start doing to save and earn extra money, maybe it is having a yard sale, helping someone with their yard or house work or develop your own website there are several ways you can earn extra money.    Set small goals in the beginning for saving and add to it each week.  Take all the extra income and start investing in something – stocks, bonds, or whatever you want to invest in.  Make a commitment to save money.   Cut back on one item of your choice each week and invest the saving into something.  Even if you are just buying one less cup of coffee per week, that is more money than you were saving the prior week.  Do a weekly budget and stick to it.  Make a grocery list before going to the grocery store and only buy what is on the list.  You will be amazed at the amount of money you will save from sticking to a list.  You can also use coupons and invest the money you save from using the coupons into your savings.  Be creative and come up with ways to save.