Re-think each method to see if you could find some creative ways to move the can t do checks into the can do column. Increase Savings Take a payroll deduction at work that goes directly to savings. Perhaps playing bingo is a social outlet. It will be difficult to stop spending money in this way, unless you are able to create an equally satisfying way to socialize with friends. Reduce Household Expenses Watch newspaper advertisements and classified ads to keep informed on good prices.
Hunt bargains through church thrift shops, tag sales or garage sales.
Reduce hot water usage. Don t let water faucets drip, particularly hot water faucets. Lower water heater temperature by 14 degrees. Learn to do minor repairs and maintenance for the many items around the house such as appliances, clothes, equipment and even vehicles. Study manu-als, read books and observe others to learn repair skills.