How to Save Money?

Deposit a portion of your income in a savings or retirement account. Don't accumulate new debt, and pay off any debt you currently have. Establish a realistic timeframe for your savings goals. Create a budget and keep track of all your expenses. Invest in the stock market only if you understand the ins and outs of the gambles you make. Spend money only on the essentials, and look for cheaper options where available, from housing to food, transportation, or energy usage. Save for an emergency fund. Spend money on luxuries only occasionally.
For instance, on an income of $3,000 per month, we might budget as follows:

• Housing/utilities: $1,000

  Student loans: $300

  Food: $500

  Internet: $70

  Gasoline: $150

  Savings: $500

  Misc.: $200

  Luxuries: $280

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