If you want to live on a budget, one of the simpliest ways of doing so is to clip coupons. The reason that you want to clip coupons is because you could end up saving a lot of money if you use them when you go to the store.

Another thing you can do to save money is to buy your food in bulk. When you see items that you normally buy and they are on sale, buy multiples so that you can save.  You will be paying more now because you will be purchasing the item or items in bulk but you will save in the long run. For example, things that don’t spoil like toiletries, soap, shampoo are great items to buy in bulk. Other items that you can buy in bulk are items that have a long expiration date.  Canned food is a great example of an item that usually has a long expiration date.

Another way that you can save is to save your change at the end of every day. What you would do is to purchase a piggy bank or a saving container from the dollar store and put your change in it every night. You won’t believe how quickly spare change can add up to hundreds of dollars. Saving your change should be a part of your personal budgeting.  Most people don’t like to carry change anyway so why not save it for a rainy day.

Another way to save is to put aside a portion of your paycheck when you get paid. What you need to do is to decide how much money you are going to save when you get paid and either transfer it to another account or have this money automatically transferred to your savings account.

Stop impulse buying.  Saving money entails not spending money so avoid shopping on impulse. You usually regret buying the item after you get it home anyway. To avoid buying on an impulse, just purchase the item(s) that you went to the store to purchase and nothing else.

Purchase your clothing when it is on sale. We all like to add new pieces of clothing to our wardrobes every now and again.  If you really want to save money, buy your clothes when items are on sale or at the end of the season and put them away until you need them. If you need essential items, there is nothing wrong with keeping some money to purchase them when they are needed.

Stop using credit cards which carry a high interest. If you put your purchases on credit cards and don’t pay them off when you get the bill, you will be paying double or even triple the price for your sale items. If that is the case, you really didn’t save. If you must use a credit card, use one with a low interest rate which will save you money.

Ask for Free Samples.  There are a number of websites that offer free samples. Two that come to mind are Startsampling.com and Walmart.com. There are types of products that you can sample just for the asking. If you don’t want to check out these websites and you are interested in a particular product, just go the manufacturer’s website to see if they have free samples that you can take advantage of.

Do you know that if you are having problems paying credit cards debt that you can discuss this with the credit card company?  This will normally result in a lower payment or reduced interest.  Just think of all the financial freedom you will have if you are able to pay off your credit card debt sooner than you thought.