The answer may surprise you. The easiest way to save your hard earned cash is to simply change your attitude!! That's right, change your attitude about money, and "things" in general.
When you finally realize that you CAN live without the latest phone, gadget, or car, you will save tons of money.
If you are a name brand person, ask yourself one question. Is this "name brand" worth placing my family in financial turmoil?? It may seem silly, one "name brand" purchase could not possibly do that, right?? Wrong, most of the time, you end up buying way more than one shirt, or whatever the item may be.
If you absolutely HAVE to have those name brands, buy them second hand. I have blogged several times before about all of the great deals to be found at stores like Good Will. They have name brands galore, you just have to look.
If the thought of second hand, or thrift store purchases makes you want to turn your nose up, don't. Really, who is going to know where you bought your shirt at??
So, if you truly want to get your budget out of the red, step back and re-evaluate your spending habits. With a few little tweaks, you could save hundreds or even thousands of dollars, with very little effort!!