Cut - It - Out!

In this economy, “keeping up with the joneses” is no longer financially chic. Instead, counting your pennies and saving where you can is the hip thing to do. Take the time this summer to sit down and really see where you can make some adjustments in your budget.

A Little Bit Here, A Little Bit There

Saving a dollar here and there can really go a long way. The following are some ways that can help you trim your budget so you can save more!

· Forget the Labels.

Why buy name brands when the generic is just as good – if not better? Next time you are at the grocery store, check and see if the name brand products you usually buy have a generic option. Compare prices to see which one is the better choice.

· Brown Bag Lunch.

It is tempting to go out to lunch with coworkers five days a week. However, even if it is just a sandwich shop, the lunch outings can really add up. As an alternative, bring your lunch to work. This can really help you save. And, instead of spending an hour at a restaurant, you can use this time to catch up on some reading or even rejuvenate your mind by taking a walk around the block.

· **Do-It-Yourself. **

Yes, we all like to pamper ourselves with hair appointments and spa days. However, do we really need to? Especially when we can make our own spa-day at home? With all these do-it-yourself tips out there, attempt to cut back by giving yourself your own manicure and pedicure, as well as check out different ways to manage your hairstyle. Look for coupons at local salons, or even visit your local beauty school.

Just even making a few minor cuts to your budget can pay off big in terms of savings – giving you a chance to breathe (and not stress!) about your finances.