--Resolve to begin saving. Automatic deduction is simplest. Start small and try to build up to ten percent of your income.

--Keep a record of what you spend for a month to see where your money is going. Knowing where your money goes is the first step to saving.

--Pay yourself first. Consider saving as an obligation, just as you do your mortgage.

--Automatic saving is easiest. Have a small amount of money deducted from your paycheck each pay period. If you don't get used to having this money, you won't miss it. Increase the amount as your salary increases.

--Start a luxury fund for special indulgences like vacations or new furniture by opening a separate account. Make it easy to get the money so that in case things get a little tight, you can always get your hands on the cash.

--Cut down on impulse items like gum, sodas, snack items, kitchen gadgets and small purchases on sale. This money can add up to a fortune in useless spending.

--Pick one day a week when you spend absolutely nothing. For example, every Thursday, brown bag your lunch, car pool, have leftovers for dinner or don't make any long distance phone calls. It's a fun challenge.

--Resolve to re-use everything like jars, plastic bags, foil and clothes.

--Consume less energy by installing water saving devices, air drying laundry, driving less and turning lights off when not in a room.

--Save 7 to 10 percent off your regular grocery bill by clipping coupons.

--If you find it hard to save with coupons, keep track of the stores that offer the best prices on items that you regularly buy. Purchase large amounts of these things once per month.

--Cook at home. Eating out costs an additional 15 percent for tip and another 10 percent for restaurant tax Cthat's 25 percent above the food cost!

--Spending less time browsing in the mall may actually decrease desire for things you don't really need. Impulse shopping is a real budget buster!

--If you're in the market for a high-priced item, anticipate seasonal sales and plan to purchase it when you know it will be cheaper. 

Think of saving money as a way to gain control of your money, not as a punishment.