First thing you need to do is figure out where all your money goes. To do this it is necessary to write down everything that you have used your money to buy in one entire month. Find out how much you spend on eating out, bills, luxuries, groceries, and emergencies(car repairs, etc.). Now take this and compare it to how much your current income for one month is.
Now the first tip to save some money is use coupons when you go buy your groceries. It is not hard, all you have to do is get the newspaper Sunday morning, look at the sales ads for each grocery store, look through the coupons in the paper and cut out the ones that are relevant to what you buy that can save you money. There is no shame in using coupons, saving money is nothing shameful, you are on a budget and shouldn't have to pay more for things than you have to.
Another tip. Instead of going out to eat everyday at work being a frozen meal that you can microwave. This is even more healthy for you. Eating greasy foods everyday is not only unhealthy, but expensive.
Try carpooling with your co-workers. This way you save money on gas, help save the environment, and help keep the roads from massive traffic jams.
You can also try drinking water instead of soda. This is also not only cheaper, but also healthier for you as well.
Does everyone in your family have a cell phone? Well than why do you need a home phone? You can get rid of it and save that much more money a month. If you still need a home phone and have high speed internet, you can switch to voice over IP service like Vonage.
Overall keep track of how much you are spending and what how much you are making. Implement these saving techniques into your monthly budget and see much you save after the first month. You should see a good improvement. Good Luck with your budget plan and just remember to be frugal.
