Today we are faced with what might be potentially the next great depression? Now don't panic because there is always a solution to a problem so you are in good hands if you just try and think outside the box a little bit. What can you do to ensure that this doesn't affect you as much as others? Well for a starters you can begin to review all of your expenses. What I mean by that is your spending habits.

We all have them and to varying degrees but If you earn $50k per year and you are spending $60k per year then something has to change right! Right it does because you can't keep living on borrowed time. Eventually this will catch up with and you be forced to downsize your car and your house aswell. This is if you still have a job to pay for it. The middle class will affected the most because of the fact that they like to keep up with the Jone's so they decorate and buy new toy's all the time, and get the best car possible.

Well you might like your life now but I think you had better at least be a bit prepared for the uncertain future we will all face. There are many things you can do right now to ensure you have some savings. So you are looking at your spending habits but what can you eliminate from them? What things could you do without? What things could you downsize? Are you prepared to cut down on your spending of luxury goods? You have to get clear on this unless you want to stress yourself out and your kids in the future. Take what you have now and look carefully at what you really need. Do you need 8000 channels on your TV channels?

It really is up to you to begin thinking of ways to maximise your cash and get rid of credit. I will help you a little now though because I will list a few simple ways to save $100's per month starting right away. Take what you want from this and get started on eliminating debt. Good Luck!:)

Here are a list of helpful ways to start saving!

1 Drive the car less (if you can!) OR buy a smaller car, it will save you a ton of money on fuel/Gas not to mention Insurance and Tax.

2 Quit the Gym membership and use free exercise mostly like running,swimming,Yoga or walking.

3 Cut out luxury food items all together or at least keep them to special occassions or weekends.

4 Cut down on drinking, smoking, junk food, and material spending (i.e clothes, jewellery). If you already have a Nice Black shirt why get another?

5 Make your own Sandwiches for work. Alot cheaper.

6 Drink less commercial coffee. Just 1 cup less a day could be $60 to $120+ per month in your pocket. Amazing really!:)

7 Try to download free information from the internet instead of buying books all the time. It's an online library.

8 If you can grow vegetables then grow them. This includes growing herbs and keeping chickens too.

9 Break down Monthly bills and subscriptions and cut them in half. What are you spending on monthly that you could stop now?

10 Don't be drawn into commercial adverts or shops. Walk away and realise what you have just saved money and space.

11 If you want a particular item let's say sunglasses and they are $70. Look online first and buy the item for less, that's what I do.

12 Check your car yourself, Oil, Water and tyres and you will need less services. Also keep the tyres pumped up as it saves on fuel.

13 Do you have old video's or books? Or any items you can throw on eBay? Check the loft you might have an antique you could sell.

14 Start a small business on the side. ( I recommend an Internet Business because of low start up and low overheads!) Learn more Below.

15 Get rid of Credit Cards and just keep One because they are not money they are debt! Only buy what you can afford.

I hope this has helped you to make some savings!:)

About the author... My primary purpose has always been to help others, which is why I wanted to write this and also why I have become an Internet Marketing Specialist and Success coach. To discover more about saving and making money feel free to take a look at my Blog here:

http://www.GregDeTisiOnlineSuccess.com

You can also e-mail me at

gregdtc5@googlemail.com >Stating your name in the subject line and the question (No opportunities please, please respect spam compliancy!)

I look forward to hearing from you.

To your success, Greg De Tisi

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