Save for retirement and children's education. Utilize tax-favored 401(k)s and IRAs.
Check your home, auto, and health insurance policies often to avoid overpaying. Adjust policies as appropriate.
Try part-time work, freelancing, or selling unwanted stuff to boost your income.
Eating out is pricey, so cook more often. It's cheaper and healthier.
Compare prices, use coupons, and look for discounts while buying groceries, clothes, and other items. Shop on your list and avoid impulse buys.
Pay off high-interest bills like credit cards first. Reducing debt saves money on interest and improves financial stability.
Start an emergency fund with three to six months' living expenses. This money will protect against unexpected bills and crises.
Automate savings account transfers to save a percentage of your money before you spend it.