The easiest way to save money is to spend less. This is essential if you are serious about being a long- term saver.

The easiest way to save money is to spend less. This is essential if you are serious about being a long- term saver.

Review what you spend and look at ways you can save money and decide what you can save on.

The other way is to establish a personal budget. This is essential for families and individuals. You will not be able to save money unless you know how much money you earn and spend. Once you have prepared a budget of incoming money and outgoing money, you will be able to identify areas where you can save.

Think about shopping and buying in bulk. Prepared foods and convenience foods will always be much more expensive than the generic ingredients needed to make the food.

Make sure a sale is a sale - and not a creative marketing strategy.

Buy used. We all like to buy new. But there are huge money savings to be made in buying used. Typically, cars lose one-third of their value in the first 24 months from new. Why not buy a car 24 months old?

Don't carry excessive debt. Some debt in our lives may be essential. We may need a bond to purchase a home, we may need to use our credit card to make purchases until pay day, but your aim to save money should be to have as little debt as possible.

It's also important to save money. Each month get into the habit of putting an amount, however small, into your savings.