How can we save money?!?
452885
Live on cheap groceries.  Use half the amount of laundry detergent per load - still cleans fine.  Wash dishes and use cloth towels instead of buying alot of paper products.  Drink more tap water and less pop.  Watch what's on TV and don't go out as much.
65086
1 pray to god\n2 save little from paycheck\nbe focused if you want to save money\n3 borrow from friends \nhope thats help
1111900
YES....make a list of everything that you spend money on during a week or a month.......\nBE TRUTHFUL!!! list everything, and how much it costs......\nThen look at the list, and decide what things you can do without, you will easily find a few dollars here and there....\nA long time ago, i realized i was spending a lot of money (not to mention getting fat) going out to lunch at work...now i pack a lunch, which saves some $$$ and also is healthier.
989931
Buy things with cash....don't pay interest (make your house the only exception)\n\nTurn off your lights\n\nBuy generic\n\nDon't spend money on things that depreciate quickly (cars, computers, etc)\n\nDrop your cable and high speed internet.  \n\nDon't buy DVD's.  Go to discount movie theatres, and use coupons.  \n\nI think the other question you can ask yourself is "how can I make more money."  Focus on decreasing expenses AND increasing income.
14234
Try saving $1000 per month for 15 months.  If that's too difficult, try saving $230.77 per week for 65 weeks.  If that's too difficult, try saving $32.90 per day for 456 days.  If that's too difficult try saving $1.37 per hour for 10944 hours.  If all of these are too difficult, the problem is that you are a woman...instead try buying $30,000 worth of shoes at half off.
655841
You should write out a budget. Budget for everything. Bills, car payments, entertainment etc. And try to save a little every paycheck.
396756
device a budget for yourself and make it something you can stick to.  make a commitment to save at least 10-15% of you paycheck each pay period and make sure you do it.  if you can manage to stick to that it'll get easier to not spend all of your money unwisely.
938189
Figure out how much you make each month - take home, not gross. Figure out how much you owe each month. How much is left over? That is what you live on and/or SAVE and/or use to pay off high interest loans, credit cards, etc. If there is no money left over then you need to get better paying job or a second job.\n \nDon't spend more than you earn. Don't use credit cards unless you can pay off the balance each month. Clip and use food coupons. Ask yourself if you will be terribly inconvenienced if you don't buy *whatever*. Keep your car tires inflated so you don't waste gas. Carpool. No impulse buying. Go to the library and read books on bugeting and saving money.
978603
First of all get a long term retirement fund and contribute to it regularly... even just $20 a week. Don't touch that money under any circumstances. Now at the same time start to put money away for short term goals. Don't get into the credit card trap of paying 10-25% interest on things you really don't want or need. Spend less than you earn. Consider the value of your purchases not the wants... concentrate on needs. You have alot of choices as a consumer. Will you be happy driving a 2007 Hyundai for $15,000 or must you have that $34,000 Chrysler??? Do you need a cell phone and a home phone? You can save $30+ by going with one or the other. Do you frequently buy books and magazines that you can get from your local library for free? Are you paying bank fees for checking??? Do you shop around for pricing on purchases before you buy? Do you go out to eat every day at lunch??? It's all about value. The more you spend, the less you'll have. Common sense isn't always common. Read books about millionaires from your library and you'll find ways that you can join those ranks. I am not suggesting you go without treats. Hey, you work hard for your money. What I am saying is not to forget the future because it'll be here before you know it. You don't need a $1,000,000 home. Live within your means and you'll have a much happier life and lifestyle without the worry.
1014448
I have found the best way of saving.  I was able to put away approximately $8000 in 18 months.  Look for www.sharebuilder.com.  Its an investment site.  You can purchase stock for $4.00, no matter how much stock you buy.  Do some research.  I chose companies based on the products i use in my daily life.  I found it be fun to save and also enjoyed shopping for new stocks.  The dividends usually pay better than any savings account, so give it a try.  It worked for me.
1025885
save more-invest more and earn more
429289
Set up an automatic deposit for part of your paycheck to another account, other than the account you pay your bills from. For example, set up $100 of every paycheck to go to a savings account (one that you don't check on at all) automatically. If you don't see this $100, then you don't spend it. It's a nice and easy way to save money.
1133674
Make a deal with yourself to save a certain percentage of your money.  Think through things that you want to buy. Don't just buy on impulse.  Use coupons at stores and compare prices at different stores before buying something so you can buy it cheaper.  Have self-discipline.   =)
982576
get a savings account with someone else (like a parent or spouse, depending on your age) and put some money in it every time you get paid. make sure that it is a savings account that requires both peoples signature to withdrawl money. this is what I did when I wanted to save money and it worked great!
1075661
You need to make certain sacrifices. Give up school or give up the car. Or you can try to get a student loan and pay it off after you graduate.\n\nTo find ways to save money, I suggest budgeting yourself and cutting back on spending.
124636
I am also a 27 year old female, and I've learned some harsh lessons about financial realities.  I'll share with you what worked for me.\n\nI have a binder full of lined paper.  On the first page of the binder I have a budget.  You may ask yourself, how does one create a budget?  \n\nThe way I did it was to first list the things I have a fixed amount I need to spend per month: Rent, Car payments, Magazine subscriptions, Car insurance.  Then I figured out how much I would need PER PAYCHECK to save for this (don't say per month - if you do this, you're setting yourself up for failure).  I need $400 per paycheck for rent, $200 for car, $50 for insurance, $5 for registration, etc.  ANYTHING you spend money on goes down on paper.\n\nNext, I put down the things I need, but that aren't fixed.  For instance, groceries, gas, car repair, health (SO very important to have a large reserve, as I recently found out).  I guess how much I'm going to spend on this per month.  Don't forget, that a budget is ALWAYS evolving.  You get raises, bonuses, and (hopefully not) pay cuts all the time, so be prepared.\n\nFinally, you need to have some money to yourself.  I seperated these into clothes, gifts, massage, and books for myself, but you can always change that around.  Put a fixed amount per check into these funds.\n\nHere's the most important part: RECORD what you're spending on the other sheets of paper.  If you buy a pair of shoes, that goes in the clothes budget.  If you buy a gallon of milk, that goes in the groceries budget.  I guarantee you'll be shocked by some of the purchases you make. (I was spending $500 on groceries for two people in a month - that's absurd.  I now REALLY watch what a shop for, and I make sure I'm not throwing things away because they got old - I use everything!)\n\nOk, now we're ready to set aside some money to save!  Generally people say to save 10% of your gross income.  With the above method, the car repair and health funds are sort of "oh no" accounts that you're not going to be touching unless you have a situation, so I count that as part of the 10%.  Aside from this, calculate 10% of your net income ($800 = $80) and have it direct deposited into a different account.  This should not be accessable by check OR atm card!!!!  Once you have about $2,000, you should be able to move it into a money market (some people call money markets "High Yield Savings Accounts") without having to pay any fees.  You'll earn about 2%-4%, depending on the rates at the time.\n\nDon't forget that you'll want to fund some sort of retirement account out of this!  Make sure you try to set asside the maximum possible into retirement accounts so you don't regret your misspent youth.  I'll let you know that I've done calucualtions that say I need 2 million (caluculating for inflation) dollars to retire at age 65.  Yes, that is $2,000,000.  I urge you to look for a program called "Smart Women Finish Rich" in your area.  You'll learn TONS from it, and hopefully be inspired to start saving money.
64775
First you need to write everything you pay for in a month in a notebook. This will tell you where some of your spending problems are. After this create a  budget. Leave your self spending money so you don't feel like your depriving yourself. Many people will not leave anything for themselves , feel bad, and blow their budget. If you have credit cards put them in a metal coffee can and freeze them. This will take some of the impulse out of your spending because while you are taking the time to thaw them out you are really thinking whether or not the item is worth it. Thats why you put it in a metal can so you can't use the microwave. Lastly remember to pay yourself first. Always make sure to put something away in savings. If you can do this with direct deposit, I would recommend this highly so that after a couple of weeks you won't even remember that you had it. Good Luck:)