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             Tips on How to Save Money Every Month

     It is important to learn how to save money every month.  By
learning how to save money each month, one may have enough
money for major expenses without having to use a credit card.   
Below are several tips on saving money:

1.  Buy Things on Sale.   A significant amount of money may
be saved by buying things on sale.  When shopping for
groceries, it may be good to first look for what is on sale.  After
you have made all your decisions about what to buy for the
items on sale, then you could make other purchase decisions.

2.  Save Money with Coupons.   Another way to save a
significant amount of money is to use coupons.  Using many
coupons could save a significant amount of money each month.

3.  Turn off Lights That Are Not Needed.  We may have the
lights on in a room when it is not necessary.  When we leave a
room, we may not remember to turn off the lights.

4.  Buy Less Coffee at Coffeehouses.  We may buy coffee at
coffeehouse on a regular basis.  This could be a significant
amount of money in a month.  A significant amount of money
may be saved by limiting the coffee we buy at coffeehouses to
only a few times a month.

5.  Buy Things in Bulk.   It can be cheaper to buy things in bulk.

6.  Avoid Having a High Balance on Credit Cards.   The
amount that one pays in interest on a credit card could be very
high.

7.  Buy Used Books, CDs, and DVDs. It may be possible to
save a significant amount of money by buying used, rather than
new, CDs, books, and DVDs