Record what you spend. It isn’t a time waster but the basis of a budget and helps you identify needed adjustments. Your budget means nothing without accurate accounting.  Don't be suckered. Spending $300 on a $400 coat doesn’t save $100 – it costs you. If you doubt it, put the money you've "saved" in your bank.  DO shop price. When shopping, don't ignore coupons. Many … [Read more...]