Money Savings Tips

1. Pay yourself first: Avoid the temptation to spend by automatically putting a percentage of your earnings into a savings account.
2. Adopt a cash only policy: If you don't have cash, don't buy it.
3. Brown bag it: Figure up what you spend on lunches out. Bringing a sandwich to work could save you as much as $1,200 per year.
4. Realize time is money: The earlier you start saving for retirement, the better.
5. Establish an emergency fund: By saving at least six months of typical expenses, you'll have a cushion for tough times.
6. Have adequate insurance: Make sure you are protected should your health leave you unable to work.
7. Track expenses: Find out where your money really goes.