Can you find 10 ways to Save ?

While our family was once looking at old photos, we noticed the shirt I was wearing in a certain picture. We noticed it because the shirt in the photo was the exact same one I was wearing as we were looking at the album. There I was in the photo holding our oldest daughter as a baby. It was 16 years later when we were looking at the photos.

As you can tell, I'm not likely to set any fashion trends. My more fashion-conscious family members were actually a bit appalled that a piece of my wardrobe had not been updated in 16 years. But, I countered, look at the money I was able to save for their college education because I kept some clothes for a while. To me, saving money is always in style and fashionable.

Most people don't have an income problem but rather a spending problem. I'd like to challenge you to find 10 ways you can save money this year. Is that renting something instead of buying it? Changing a habit? Being more creative with entertainment? What works for me may not work for you, but all of us can save money in certain areas without sacrificing much time and perhaps even improving the quality of life.

Saving money takes work, but the more you work at it, the easier it becomes. It tends to become more of a habit and a mindset. Being careful with your expenses ultimately allows you to do the things that you really want to do—such as going out on more dates with your spouse.

Don't try to squeeze every penny out of every dollar and make saving money into some kind of "second religion." Our family tries to be good stewards not so we have more money but more freedom—the freedom to give to people with needs, the freedom to be flexible in our budget, the freedom to be spontaneous in our spending without compromising our overall financial plan. Balance is the key. We may save money on the spending side, but that gives us freedom in other areas.

– By Jeremy L. White