By confirming my cell number, I agree that I am responsible for all of my carrier text messaging charges.

Pay yourself for impulse savings. When you don't buy that gourmet coffee, put that money in your savings account.

Don't take washable items to the cleaners. It makes no sense to spend two dollars to clean a thirty dollar shirt.

If budgeting does not work for you, try making a spending plan and stick with it!

Install low flow shower heads to save money and help the environment.

Check the competition, call your cable company with the evidence of how much you can save, ask for a discount and you might get it.

Use the 30 day rule for impulse purchases. Wait 30 days, the impulse may no longer exist.

Get a library card. Borrow free books, music and movies.

Check out a local credit union. They often have better rates and lower fees.

Drink Water, put the money in your pocket, and leave the dry-bellyache in the punchbowl. ~ Benjamin Franklin

Walk whenever possible. It's good exercise and costs nothing.