It can be difficult to live off of a regular paycheck, especially when you get to the end of the month. No matter how hard you try to budget things, some bills just don’t make it. There are several ways that you can help yourself out and some are easier than others. Below I can give you a 9 tips on saving money and hopefully get you on your way to a little bit more cash in your pocket each month.

There is little chance you have any control or say over the economy. Therefore, you shouldn’t focus on it. Instead, you should focus on what you do have control over, which is your actions. By taking complete control over your actions, you can successfully manage your finances and save money. Here are some of the top tips to follow.

1. Track Your Spending

One of the most important things you should be doing is tracking your spending. If you have a good idea of where your money is going, you’ll have a greater idea of the changes you need to make. Use BALANCE’s Fritter Finder form for one or two weeks and you’ll have a good idea of where most of your money is going.

2. Understand Wants and Needs

This is something you should have learned in the past, but it’s not too late. Do you need a new 65-inch television? When you are looking to save, you shouldn’t be spending on things you don’t need. Rent is a need, if you are having problems paying rent take a look at our rent loans.

3. Don’t Use Credit Cards If You Don’t Have The Cash

This one is very important. If you don’t have the cash to comfortably pay something off, don’t use credit cards for the purchase. It will only force you to accrue more interest. Only do this if you have a 0 percent interest offer.

4. Save Money Automatically

Try to automate your saving. Have an automatic transfer from your checking account to your savings to ensure you don’t forget.

5. Insurance

You want to continually review your insurance plans. You could be overspending and not even know it. Without checking, you’ll never know.

6. Don’t Overspend

You want to be certain that you aren’t overspending on various things like gifts and even vacations. Calculate the cost of your food, rent, commuting etc and then set a budget for these things based on your savings goals and earnings and stick to it.

7. Lower Your Energy Bills

One area you might be overspending without the need is in your energy bills. Try to turn off your air conditioning if possible, turn off all electronics when not in use, and switch your energy-hogging appliances and lights to more efficient alternatives.

8. Online Bill Payment

Try to switch all of your accounts to online bill payment. This can save you money on stamps and help to ensure you pay everything on time.

9. Cook More

Even if you aren’t buying fancy meals, try to limit your eating out. Also, limit the amount of money you spend ordering food for delivery. These things can add up and by cutting them out, you could accelerate your savings.