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1. Collect Your Change
Just as you likely had as a child, designate an item in your home as a 'piggy bank'. That few dollars and change you elected not to spend at the snack bar at the movie theater last night can find a new home inside the piggy bank, along with any other change you have lying around. Have coins randomly at the bottom of your purse? Throw 'em in the jar. Coins cluttering up your nightstand or cup holder in the car? Gather them all and listen to the clanking sound it all makes when it hits the bottom of your bank. Collecting your change is an easy way to start saving real tangible money, and believe us, it will add up over time!

2. Invest Now, Save Later
When it comes time to make a large purchase, say a home appliance or new mattress, sacrifice the expense that it will take to buy a quality item. It may seem a little against the budget and savings plan, but trust us, you'll save money in the long run when you invest in quality products that will last you for many years. Newer electronic products are also typically more energy-efficient, so while you might pay a bit more for it, your electric bill won't suffer as badly.

3. Conserve Energy
Speaking of your electric bill, there are many things you can do in your home to keep the cost of electricity down, even in the dead of winter or height of summer. Replace your old lightbulbs with LEDs, use ceiling fans instead of air conditioners, and unplug power cords when you're not using it. In the winter, keep your thermostats set at a reasonable temperature and wear warm clothes and use blankets. We're not suggesting you freeze yourself out of comfort, but you'll be surprised to see what a conscious effort to keep energy costs down will do for your monthly bill.

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