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Saving money seems like the most difficult task to many Americans; however the truth is with just a few changes in your daily lifestyle you can realize significant savings without cramping your lifestyle. First of all, evaluate where and how you spend your money and then think of ways that will effectively save you money. The following tips are just a few suggestions that will help you on your way to savings.

One really good suggestion that can save a significant amount of money throughout the year that does not require a lot of effort is packing a bag lunch every day before you go to work. There are two benefits to doing this, which include saving money and better eating habits. When people eat out for lunch on a daily basis they generally spend at least $5 a day, if not more. If $5 is the minimum, and this is spent every workday, then an individual could save at least $1200 per year by simply taking their lunch to work. This money then could be used for family emergencies, investments, retirement plans, and the like.

Also, when trying to save money you should start shopping grocery store specials and clipping coupons. By doing this you can save a lot of money with little effort. Simply cut coupons for items you actually use and will buy, and then take them with you to the grocery store. You might consider shopping at a grocery store that honors competitors' coupons or that has triple or double coupon day. Shopping for groceries in this way will save you a lot of money on a weekly basis.

Another tip is to make sure you have the appropriate cell phone plan for the amount of minutes you talk. Too many people buy an inexpensive plan and continuously go over their minutes on a monthly basis and end up paying significantly more than they would if they bought a better phone plan. If this sounds like you, then sit down with your monthly statements and evaluate how many minutes you talk and at what time of day, then go over the plans available that meet your needs. You will pay more for your monthly plan, but without the extra fees you could save hundreds of dollars easily.

As you can see, saving money does not require that you completely change your lifestyle or even eliminate things you are accustomed to. You simply need to be smart and make the most of the money you are making. Then, with your savings you will be able to plan for the future, remodel your home, pay off loans, or save for retirement. Whatever you do, make sure the money saved is saved for important purposes.